Cincinnati Water Damage: Article About Flooding and Insurance
When it comes to a flood, most people may find that they're not insured against losses. However, there are some very specific clauses that may apply for such a scenario. Cincinnati water damage can be covered if it's from a fresh water line or a backed up drain. Homeowners are encouraged to learn more about their coverage so that they'll know exactly what to expect if they should ever find themselves dealing with standing water in the home.
First of all, not all floods are the same. While exterior flooding from groundwater may not be covered, most people do have protection against a leaking pipe, roof or sewer backup. The resulting damage from these types of events will be covered, but the initial problem must be paid for and corrected by the homeowner. If the water came from anywhere inside the dwelling, people should call their provider to learn more about coverage options and steps. In the event of broken weeping tiles or a failed sump pump, homeowners may have coverage under a special insurance rider.
Second, it's important to note that homeowners are expected to be aware of leaks and take steps to minimize the damage. This means that a broken water line should be shut down as soon as possible and steps should be taken to remove the standing water. Allowing the water to sit and spread when it can be controlled could result in a claim being denied.
The water damage experts at Griffin Contracting and Restoration of Cincinnati OH can assist you with any questions regarding flooding damage or fire and water cleanup.
Once the immediate situation is handled, the insurance company should be notified as soon as possible. The homeowner should take pictures of the damage throughout the process to substantiate claims. They should also avoid throwing items out until an adjuster can come to the home. While it's okay to start cleaning up and mitigating damage before the insurance company arrives, the actual structural restoration should wait until after an adjuster has inspected the property and filed a report.
Most insurance companies will provide homeowners with contact information for approved agents in the area. However, one is not necessarily required to work with these companies. Homeowners can choose the contractors that they are comfortable with. Ideally, they should pick local companies who are highly experienced, skilled and ready to guarantee their work.
The company will only approve work that focuses on restoring the home to pre event condition in accordance with their own records. If they show that a home had carpeting, then they will pay for more carpeting, but not hardwood floors. Homeowners can make upgrades at this time, but they will have to pay the difference themselves. Going through the claims process can slow the repairs down a little, but it's worth the slight delay if it means that part or all of the repairs are covered.