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At American Restoration Water and Fire, we know that unexpected disasters like water and fire damage can and do happen, damaging your home, surrounding property or other belongings. Luckily, homeowner’s insurance can provide peace of mind by covering losses in most cases. But what exactly does homeowner’s insurance cover?

According to many insurance companies it “typically covers your dwelling, other structures on your property, personal property, personal liability, medical payments to others, and loss of use costs.” This means that damage to your home structure, landscaping, personal belongings, and even your vehicle is usually covered. However, there are some caveats.

Damages must be sudden, accidental, and not caused by negligence on the homeowner’s part. So, for example, if you try and fix something like a leaky pipe yourself and it bursts down the line, causing extensive water damage, chances are you will not be covered. All insurance policies are different, and if you have specific questions about your coverage, you should reach out to your insurance agent.

It is important to file a claim with your insurance company as soon as damage occurs. They can help you proceed appropriately with a claim by sending out an adjuster to examine the damage to provide a value of loss and costs to repair. From there, we work directly with your insurance company to make the restoration process as smooth and stress-free as possible. We always ensure the repair work is done to industry standards, whether it be water mitigation, rebuild or fire restoration.

Our IICRC team at American Restoration Water & Fire is available 24/7, including holidays, to provide you with the support you need.