Homeowners in Foley understand the headache water damage can cause, whether it’s from floods during hurricane season or a burst pipe during extreme winter temperatures. While most home insurance policies can help, coverage usually depends on the cause of the damage and the specific terms outlined in your policy.
Covered Perils
Most insurance policies include a list of covered perils, and claims for damages not listed are typically denied. For example, flood damage is commonly excluded from standard policies, requiring homeowners to purchase a separate flood insurance policy.
Additionally, damage caused by normal wear and tear is often excluded. For instance, if you neglect to repair loose shingles and water leaks into your home as a result, your claim may be denied. Loose shingles are considered normal wear and tear, and it’s the homeowner’s responsibility to address such issues to prevent further damage.
To fully understand your policy, including its exclusions, it’s always wise to consult with a professional at Southern Risk Associates.
Mold Removal
Insurance policies typically cover certain types of damage, such as structural issues, but often exclude mold removal services. To prevent mold growth, it’s crucial to remove water and use dehumidifiers immediately after water damage occurs.
However, there are exceptions. For instance, if your home is deemed unsafe to enter and it is impossible to remove standing water, your policy may cover mold removal. Always review your policy with an agent to confirm what is and isn’t covered.
At Southern Risk Associates, our experienced agents will take the time to review your policy and explain its details. We’ll work with you to ensure you have the coverage necessary for your area. Contact us today! We proudly serve the Foley, AL area.
