Insurance and Water Damage Utah

Water can cause untold damage to a house or other structure. Accordingly, homeowners who live in areas prone to floods should take proper precautions to both prevent water damage Utah from happening in the first place but also to know what steps should be taken to mitigate and clean up the damage after the fact. One of the most important steps a homeowner can take to mitigate the negative consequences of water damage to a home is to make sure to purchase a homeowner insurance policy with adequate coverage as well as a separate flood insurance policy. A separate flood insurance policy is often required because many homeowners’ insurance policies do not cover damage resulting from a flood as a standard feature.

When a house has been damaged by a flood or incurs water damage Utah from any source it is important for the homeowner to take action immediately. The first step is to contact all insurance providers with whom the homeowner has purchased coverage policies that could potentially cover the water damage. Usually insurance providers will have people available that will walk the homeowner through the necessary steps in order to repair the damage and provide temporary living accommodations as necessary given the situation. This is especially true if the damage is caused by a catastrophic event such as a hurricane or tornado. Typically the insurance provider will advise the homeowner to contact a contractor to assess and repair the damage. The insurance provider may also dispatch an insurance adjuster to independently assess and appraise the extent of the damage. Furthermore, the provider may also recommend a preferred contractor to fix the damage as well. In this situation the contractor is often in the position to bill the insurance provider directly rather than billing the homeowner and then having the homeowner approach the insurance provider for reimbursement.

Dealing with Water Damage in Utah

The last thing any homeowner desires is to sustain water damage Utah to their house. There is no end to the frustration that water damage can cause. First of all, when a house sustains water damage it is not uncommon for the homeowner to have to find an alternative place to live while the clean up and repairs are being made. Furthermore water damage will ruin personal possessions and undermine the structure of the house itself in some cases. To top it off, mold will almost always develop immediately after the water abates. When mold grows in a house it will sometimes be toxic rendering the house uninhabitable until the mold can be removed. Certainly this process can be both expensive and time consuming.

Fortunately there are many companies that specialize in the clean up and repair of houses that have sustained water damage Utah. Typically these businesses will arrive soon after they are notified by a homeowner that water has damaged his or her house. Upon arrival, the company will assess the situation including the extent of the damage inflicted by the water, devise a plan to clean up and repair the damage as well as provide an estimate as to how much their services will cost.

It is important to note that most homeowner’s insurance policies do not cover floods. As such it is very important for a homeowner (especially in a flood prone area) to purchase a separate flood policy to insure their home against this type of water damage. If you are unsure whether your policy covers flood damage it would serve you well to contact your homeowner’s insurance company and ask them. If they do not cover flood insurance you should feel free to ask them if they can write a separate policy. Some insurance companies do not offer flood insurance policies. In that instance you will have to contact a different carrier.