When your property floods the last thing you want to worry about is whether or not your cleanup company will work with your insurance. Utah Flood Cleanup is available 24/7, and we will work with your insurance company.
Does My Insurance Cover Flood Damage?
Coverage differs between insurers, and every plan is different. If you’d like to receive details about a particular scenario, please contact your insurance company directly. They can review your policy and better assist with your exact question. In general, if the damage is caused by an accidental incident like a water heater busting it will be covered by your standard home insurance policy.
Things that won’t be covered in a standard policy include flooding due to lack of maintenance and sewage or drainage that backs up into the house from outside. It’s also important to know repairing the source of the flooding is unlikely to be covered by your homeowner’s insurance. You’ll be on the hook to buy your own new water heater. Flood damage caused by natural events or disasters is rarely, if ever, covered by your homeowner’s insurance policy. Flood damage coverage for natural events and disasters must be purchased through the National Flood Insurance Program.
Filing a Flood Damage Claim with My Insurance
Should you file a claim? It depends on the amount of damage caused by the flooding. We firmly recommend giving us a call before filing a claim so we can evaluate the damage and how much the repair will cost. It’s important to contact us right away and get the process started. The claim process can wait a little while but your walls and flooring will only sustain additional damage from microbial growth, like mold, the longer you wait.
If you do decide to file a claim, the process is similar to any other homeowner’s insurance claim you might have filed in the past. Call the number on your declaration page to contact the company who issued your policy. Many companies also offer 24/7 hotlines where you can start a claim by phone or online. Depending on your insurance company and the time you have available that may be the best option for you. Just don’t forget to call us out first so you know whether or not making a claim to your homeowner’s insurance company is worth doing.
Disaster Cleanup in Utah that Works with Your Insurance
There are excellent benefits to using Utah Flood Cleanup to restore your home, including:
- The phone consultation is FREE.
- We can dry your home in 3-5 days with our cutting-edge professional grade equipment. Competitors take up to 10 days to achieve the same results.
- We’re available 24/7. If you have a question, you can ask it whenever it comes to mind. Depending on the problem, we may be able to provide an immediate answer.
- We’re Utah’s #1 rated disaster cleanup company.
- We handle much more than just flood damage.