Are Disasters Covered? Your insurance questions answered
At Brock Restoration, we know it can be difficult to interpret Ohio insurance policies to determine whether or not the damage to your home will be covered. Our disaster restoration team members are experts at dealing with insurance companies, and they will work closely with you and your provider to keep the experience as stress-free as possible.
Cincinnati Water Damage Common Insurance Coverage Scenarios
If the water damage was caused by a burst pipe, damaged roof, or related item then your provider should cover the costs of recovery. On the other hand, most insurance policies do not cover the costs of flood damage. If the damage was caused by rising lakes or rivers, then you may have to pay out of your own pocket.
- Roof and window damage
- Basement floods from burst pipes
- Backed-up plumbing
- Basement floods from groundwater seepage
- Rising rivers and lakes
Cincinnati Fire Damage Disaster Insurance Made Simple
Fire damage is covered by almost all standard policies, regardless of the cause. Your provider should pay for the entire recovery process including smoke, soot & water damage cleanup. Insurance should also pay for the cost of contents restoration, replacement, and any needed reconstruction.
Cincinnati Storm Damage When Disaster Strikes
Your homeowner’s policy should cover most of the damage sustained by wind, rain, snow, and ice. However, flood damage caused by rising water may not be covered by your standard policy. If your home has recently been through a storm, it is strongly advised that you inspect the exterior of your home for damage so an insurance claim can be filed as quickly as possible.
- Snow and ice
- Rain, wind and tornados
Mold Mold removal & Ohio insurance
Insurance providers will only cover the cost of mold remediation if the mold was directly caused by something specifically listed within your policy. For example, if your policy covers burst pipes, than it will pay to remove mold caused by the burst pipe. On the other hand, if the problem was caused by owner negligence, or by something not listed in the policy, then you’ll have to pay the costs of recovery.