Water damage can happen without warning. In Vermilion County, we saw it happen first hand this summer and realized just how devastating it can be. Reasons your home can experience water damage include a failed water heater, burst pipe, appliance leak, sewer backup, heavy rain, or rising floodwater. However, not every type of water loss is covered by a standard homeowners insurance policy. Sudden and accidental water damage may be covered depending on the cause and the terms of your policy, while flooding caused by rising surface water typically requires a separate flood insurance policy. Sewer and drain backups may also require an additional endorsement. We encourage homeowners to review their policy with their insurance agent before an emergency occurs, confirm their deductibles and coverage limits, and ask specifically about flood, sewer backup, sump-pump failure, mold remediation, and emergency water-mitigation services.
As a professional water-mitigation company, we work with insurance agents, adjusters, and property owners to document damage, remove water, dry affected materials, and help prevent further deterioration. Regardless of how the work is being paid for, acting quickly is essential because moisture can spread into flooring, walls, insulation, cabinetry, and other concealed areas. Taking a few minutes to understand your coverage today can help you make faster, more confident decisions when water damage occurs.
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