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Is Water Damage Covered By Insurance?

Water damage: it’s something you never think about until you’re in the middle of it, and sadly, once you’re in it, it’s hard to think very clearly. However, keeping a few simple tips in mind can make all the difference if you should face the unexpected.

Know Your Policy

When you’re stressed from dealing with a bad leak or flood, that is not the time to try to figure out all the fine print of your insurance policy. Educate yourself on the details when you first sign on, and highlight or write down pertinent summary points so you know what situations––and to what extent––are covered.

Keep Important Information Nearby

Keep an easy-to-locate file on hand that has a summary of information, your policy number, and your agent’s contact information. Consider keeping both paper and digital versions of this information on hand, as you may or may not have access to power or papers, depending on the nature of your emergency.  Add your insurance agent as a contact in your phone, and make it easy to find. (Tip: Add “insurance” to the contact name.) The middle of a crisis is not the best time to go on a scavenger hunt for information.

Contact Your Agent Right Away

Again, when you’re in the middle of an emergency––dealing with the loss of property, cleaning up messes, and possibly temporarily relocating––you may forget to prioritize calling your agent. But acting immediately is crucial to getting on the road to restoration. Your agent will provide you with information, instructions, and the green light to work with a professional restoration company who will help you put the damage behind you as soon as possible.

Is Water Damage Covered By Insurance?