7 Things Your Homeowner’s Insurance Won’t Cover
It’s a disaster when your basement floods and you lose all of your important possessions. But just because it is not covered by your homeowner’s insurance doesn’t mean that there are no solutions to help with the mess. The water damage restoration Gilbert will talk about 7 things that may be helpful in order to deal with flooded basements and protect against future flooding as best as possible.
The first thing that is helpful to do when you are dealing with a flooded basement is contact your insurance company. Your homeowner’s policy will not cover the damage that occurred because of flooding, but there may be other aspects of the situation that they can help you with if it was due to an act of nature (such as heavy rain).
Another option would be contacting FEMA. As everyone knows by now, Hurricane Sandy struck New York City and caused massive amounts of damage in all five boroughs. If this disaster has left your home without power for more than 48 hours or damaged beyond repair, then filing a claim could possibly help with covering some costs associated with repairs/replacement items.
You might also want to check their website at: FEMA.gov for other disaster-related assistance that may be available to you.
If your basement is still wet and you are not allowed to start any cleanup or repairs, consider hiring a professional water damage restoration company. They will have the equipment and expertise to get the job done quickly and safely.
Another thing that can be helpful when dealing with water damage is contacting your local government agency. If there was an issue with the municipal sewer system (backup), they may help cover some of the costs associated with repairing/replacing damaged items in your home.