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The Relationship Between Water Damage and Insurance

If you’re in the middle of dealing with water damage in your home, we know you’ve got a lot on your mind. How long will this take? Should I hire a professional mold service? Can any of my possessions be saved or recovered? How can I stop this from happening again? Unfortunately, though your insurance company should be on your side, often they are looking out for their own interests. Here’s what you need to look out for when taking care of water damage.


In exchange for monthly payments, your insurance company offers protection and support from issues that appear without warning. At least, that’s how it works in theory. But if you live in areas with a high-risk for flooding, or own an older home, your insurance may not be as helpful. Below are a list of things to be aware of: what your insurance usually covers, and what it might not.

Risk Factors

If any of these things apply to your home, or the area you live in, there may be some complications with getting help from your insurance company. Be sure to understand what you are paying for, and how things could change when certain events occurs.

  • Living in a flood zone (your insurance won’t cover this, usually you will need an additional insurance specifically for floods)
  • Older home
  • Older pipes/fixtures

There are a few other things that can affect the help you receive, including:

  • Waiting before filing a claim
  • Increased rates after placing a claim

Types of Water Damage Normally Covered By Insurance

If the water damage you experienced was caused by any of the reasons below, document the event well to be sure your insurance will support you.

  • Vandalism/property damage
  • Rain/snow
  • Mold
  • Damage resulting from putting out a fire
  • Plumbing issues like frozen pipes or accidental overflow
  • Roof leak

If you’re struggling to deal with the effects of water damage, there are organizations and companies who can also offer support.

Superior Cleaning Solutions

At Superior Cleaning Solutions, we have professionals ready to help in every area of water damage recovery, from assessment, to cleaning, and eventually to restoration. Contact us to schedule an appointment today!