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Most homeowners don’t memorize the details of their insurance policy, but in the event of a flood or water damage, they learn quite a bit about their coverage. At American Restoration Water & Fire, we believe it’s better to be prepared than to be caught off-guard when disaster strikes. Why wait for a catastrophic event to become familiar with your homeowner’s insurance policy? Knowing what to expect can make it easier to deal with an emergency situation.

Depending on what causes the flood, your basic homeowner’s insurance policy may or may not cover your damages. Floods caused by natural events, such as a torrential downpour or runoff are typically not covered. If you live in a high-risk flood prone area, and if your community is a participating community, you will likely want to get flood insurance. To find out if your community participates, talk with your insurance agent or visit your municipality’s website.

If your home experiences water damage due to a non-natural occurrence, such as a leak, then your basic homeowner’s insurance will cover damage to your home or belongings. Talk to your insurance agent to see what kind of coverage you have on your home. Will your coverage take care of your furnishings, pack in and pack out, or living accommodations while your home is being repaired? Knowing what your policy covers ahead of time can help alleviate some of the stress associated with a catastrophic event like a house flood.

At American Restoration Water & Fire, we pride ourselves on taking a stressful situation and making it easier for you as the homeowner to deal with. We bring you peace of mind. We work with your insurance company to handle everything. We help process your claims, liaison with subcontractors, and ensure that you aren’t stuck with any unnecessary costs. If any required repairs exceed your coverage, we always present you with your options and wait for your approval before proceeding. If a flood ever strikes your home, regardless of the cause, make sure that you choose a restoration company that is experienced in working with your insurance company. We are pleased to have an excellent reputation for working with insurance companies – over 20 national insurance companies refer their customers to us. So call the experts at American Restoration Water & Fire.