Water damage

A few years ago, due to a bad installation of my dishwasher, I
I found myself with a real floating floor. It was like on a platform. I
paid for the renovations myself. First because the amount was not so high
last but not least because I was the responsible installer.
If the damage had been greater, I would have warned my broker since the majority
damage caused by water is insurable.

Damage caused by water: Insurable but not necessarily insured.

Some water damage is covered by your insurance policy.
The rupture of a pipe in a wall, the drainage washer, the overflow bath or a
dishwasher are some examples. However, it is not
the most frequent complaints.

In recent years, insurers have settled many claims.
by water damage and rather than charge more to all their policyholders,
companies have preferred to separate the protection "Water Damage Sarasota" into several
subcategories. Everyone chooses the protections they want.

Types of water damage

Most claims come from 2 types of damage. Either water comes
from above, it will be called "water damage above ground." For example,
infiltration of rainwater through windows, walls, roof; who is leaking or
overflowing gutters or downspouts.

If the water comes from below, we will talk about "water damage and soil wastewater".
For example, well-known sewer backups or your false skeptic; water breaks
in the towns.

Finally, in recent years, a new cover is available:
"The entrance to the water", which will cover the costs of restoring your land as a result of the
visit of the municipality's employees to repair the joint between their piping and
yours .

Why take these protections?

First of all for the simple reason that these are claims that occur on a
regularly. Damage caused by water can be very expensive. Not only
the insurer will directly replace your damaged property with water, but it will also pay
the costs of cleaning, reconstruction and, where applicable, your
temporary relocation during the works.

Some people will decline these protections by saying that they will simply have
to pursue either the city, in case of sewer backup, or the neighbor from above (as
tenant), in case of damage following the overflow of his bath.

Remember that a trial is long and arduous and that in the end you will never
compensated for the total value of your damages. With the help of your broker and
your insurer will be supported, compensated quickly and, especially, new value.
EnVn, the line may be thin between some protections. Following a heavy shower,
the water will seep through the window of my basement. It is normal to believe that it is covered by
"water above ground" protection, but since water has touched the ground before
the flood will be "soil water and sewers" that will come into play.

If you have any questions, do not hesitate to contact your broker for
more information about variations and exclusions from
cover of water damage. They know each other. If it's for installing a
dishwasher, I recommend a plumber.

Climate change in question

Today, nearly half of all insurance claims involve water damage. 1 This growth is due to climate change. Rains and snowstorms are more abundant, more and more episodes of freezing rain and periods of freezing weather are followed by mild weather. All of this has an impact on our homes.

Very often, heavy rains overload the municipal drainage system, causing sewer backups. They can also create a buildup of water around the house, causing infiltration by the foundations.

If you are a victim of water damage, it is essential to call your insurer first, before a cleaner. Most insurers offer a 24-hour emergency service. Your insurer can give you essential advice and help you see things more clearly in a situation that can be very stressful.

Why call your insurer first?

With his experience and knowledge, your insurer can tell you what to do on site to secure the premises.
Your insurer will refer you to qualified professionals to do the work. Insurers have their own business partners, which they select based on the quality of their services and their speed of action. Even if you do not have to, it is advantageous to choose a partner recommended by your insurer. This will help you avoid unpleasant surprises, as higher cleaning fees can significantly reduce the amount of insurance available for subsequent restoration work.

Some useful precautions in case of water damage

Close the main water entrance, if you have not already done so.
Evacuate and mop up as much water as possible, ideally within 24 hours.

Use a vacuum cleaner to collect wet and dry waste.
Dehumidify the room with a dehumidifier (commonly used in basements) and ventilate it with a fan.
Avoid overheating the room. Keep the heating at a normal temperature, taking into account the time of year.

Wipe the wet surfaces and dry the fabrics.

Remove the wet cushions from the sofas and armchairs and press them vertically on a wall for even drying. Sponge wet carpets with a clean, white cloth to prevent color transposition.

Move furniture and other personal belongings to a dry place or elevate them in blocks or Styrofoam panels.

Take pictures of the damage.

Keep invoices and vouchers for your expenses.
If possible, do not dispose of damaged property immediately. If they pose a risk to the health of your home, take them outside.

Estimated work

When you receive an estimate of the work to be done, make sure you understand all the steps and find them: the hourly rate of the employees, the number of days expected to do the work, the services or related products that may be required (fans, furniture storage, etc.) and their costs.

Author's Bio: 

Water Damage Sarasota