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Do You Know Whether Your Homeowner's Insurance Covers Water Damage?

Making Sure that You are Prepared to Deal with Water Damage

The thought of a plumbing emergency leading to lots of water damage is one of the nightmares that can keep homeowners up late at night. While many such emergencies can be avoided through regular maintenance check-ups, you can’t always avoid plumbing issues and water damage. What you can do, however, is make sure that you have a plan for what to do in the event of such an occurrence.

Knowing the type of homeowner’s insurance that you have and what it covers can make dealing with these events easier. Plus, knowing how to find reliable water damage services can make these events less stressful. Here are some tips from professionals to help make it as easy as possible for you to protect your home from water damage.

Having Coverage for Water Leaks

water leaksOne thing that can help give you peace of mind is insurance coverage for different types of water leaks. While not all policies include this coverage, many do.

Most Allstate policies, for example, cover water damage from events that are “sudden and accidental.” Such coverage will help pay for any repairs needed from sudden water leaks, a burst pipe or even a ruptured water heater.

If you’re not sure whether your policy cover leaks, review it to see if there is language similar to that in the Allstate policies. If you’re not sure, it’s a good idea to contact your insurance agent to confirm whether water leaks are covered and to extend your coverage if they’re not.

Do you Need Flood Insurance?

It’s important to understand that most insurance policies do not include flood insurance. However, if you’re in an area where you need it, you can purchase a policy through the National Flood Insurance Program.

flood insurance

This program ensures that homeowners at risk of floods have a way to cover some of the catastrophic damage that floods can cause. If you’re concerned about flooding, it’s a good idea to talk with your insurance agent about the National Flood Insurance Program and to find a policy that works for your home and possessions.

Quickly Getting Water Damage Services

water damage servicesIf you have water damage in your home, it’s important to quickly clean it up to avoid having mold, mildew or other problems.

Using a professional to do this is always a good idea because it ensures that any damaged areas are properly dried and that the damage is contained. Many plumbing companies offer water damage services.

And, if they don’t, they can usually recommend a good company to use. So, if you do have water damage, just contact your plumber to make sure that you get everything cleaned up by a reliable water damage service as quickly as possible.

First Choice Plumbing Solutions Can help

For more than 10 years, First Choice Plumbing Solutions has been providing quality plumbing services for Port St. Lucie and Treasure Coast residents. Understanding the importance of fast and reliable plumbing repairs, they are available 24/7 to handle any plumbing issues that their customers have.