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.