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Dealing with a flood at your home in Pinellas County, Florida, is stressful enough, so the last thing you want to worry about is wondering whether your homeowner’s insurance will cover the cleanup. Most policies cover water damage cleanup in certain circumstances, so understanding your policy will help clear up this question.

Sudden and Accidental Damage

The majority of homeowner’s insurance policies cover the costs associated with cleaning up a home after a flood has caused sudden and accidental damage. For example, a cracked pipe or a broken water heater could cause a sudden onslaught of water that’s unexpected and accidental. However, if the damage occurs as the result of something that has been wearing down or has been poorly maintained, your insurance company might investigate to get out of paying for the damage. A toilet that has been running or leaking for days should have been repaired right away, so water damage from something that you failed to maintain might be exempt from coverage.

Personal Property vs. Dwelling Coverage

Just about every homeowner’s insurance policy includes dwelling coverage, which pays for any damage to the physical structure of your home. For example, if a burst pipe destroys the drywall and flooring materials, this would likely be covered under the dwelling coverage. Personal property coverage may not be included in your policy, but it would cover damage to your personal belongings.

Deductibles and Coverage Limits

Even when an incident is covered, the policyholder is usually still responsible to pay for a portion of the bill. Any applicable deductibles would have to be paid before your insurance company would start paying for the cost of damage cleanup. Many policies also have coverage limits, which means you are restricted to the amount the insurance company will pay, and then you’d be on your own to pay for any additional costs.

Our team at ServiceMaster 24 Hour can help with the cleanup process after water damage, and we also work with many insurance companies. If you need help dealing with water damage cleanup, contact us at 727-300-3773.

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