When a pipe bursts or your drainage clogged up, flood can occur in your homes. What happens then? Who do you call and how can this Lakeland water damage be addressed? Water damage is extremely stressful but the more you know about it, the more you will better equip at handling it.
Here are five things you have to know about water damage:
Flood and water damage have separate insurance policies
Believe it or not, but insurance policies differ when you’re claiming for a water damage caused by a leaky roof and water damage done by floods and natural catastrophes. If you live in an area susceptible to flooding, your ordinary home insurance won’t cover that at all. Instead, you have to take a separate and more specific insurance that pertains to “acts of nature.”
Not all damages are covered by insurance
You need to familiarize yourself with the exclusions in your insurance coverage. Some insurances would cover your homes if you have been victimized by floods and other natural catastrophes. But leaky roofs that you have neglected, as well as gradual leaks that caused damage over time, may not be included. If you neglected a part of the house, that is an exclusion already.
You cannot wait around
Once Lakeland water damage starts in your homes, you don’t have the luxury of the time to sit around and wait. You have to act fast and that means calling your contractor and having them come over to save what can be saved and fix what can be fixed. It is important that you have a trustee contractor to do all these at once.
Calling your insurance company is a must
As soon as water damage happens, you need to inform your insurance company about it. Your agent should start the claim process as soon as possible, so you don’t have to wait around for the check. It is vital that you also be guided by your agent on how to go about the claim because one wrong move could deter you from receiving the check.
Pollution level is no joking matter
There are three categories of water damage: water from a clean water source, water that could cause illness, and highly contaminated water. Contaminated water would usually be black in color and it can affect the health of your loved ones. When damage occurs, make sure you know what category it falls under.