Water is a necessity of life. We need it for our bodies, to cook, to wash, to run electricity, and to grow crops. Water is a powerful force for good … that can also be incredibly destructive. As there are almost unlimited uses of water in the home, there are a lot of ways water can damage or destroy a home.
Flooding. Perhaps the most well-known way water damages homes is through flooding. Flooding can happen to any home anywhere. All it takes is an accumulation of water backing up into a home to cause flood damage. Just one inch of water in a home can be enough to damage carpets, molding, furniture, and belongings.
While flooding is the most common way in which water damages homes, it is not covered by your homeowner’s insurance policy. The good news is that you can purchase flood insurance through the National Flood Insurance Program. Depending upon your area and location on the flood maps, your premium can be lower than $500 a year if you are in a low risk area.
Mold. If you have any amount of water in your home in a place where it should not be, mold growth is almost guaranteed. Once a spore attaches, mold will start to grow within 24 to 48 hours. The more moisture, warmth, and oxygen available, the faster and happier the mold will grow – along with the smell. Insurance coverage of mold damage is tricky. Most homeowners’ policies will cover mold if it was caused by an event that was covered by the policy to begin with. These are events such as pipes bursting in the house sending water throughout drywall from which mold starts to grow.
Where the water incursion that causes the mold is due to neglect or failure to maintain the home, the insurer probably will not cover the damage. Why? The insurer expects homeowners to maintain the home to prevent such problems from even occurring.
Floor problems. Floors exposed to flooding or any kind of sustained water build up will show it. Wood floors can buck or warp, meaning they curl at the edges or no longer fit well together. Laminate floors and some manufactured wood floors can expand as they absorb the water leaving them swollen and unuseable. Sagging can occur when water gets into wood sub-flooring and it starts to rot.
The question of insurance coverage again depends upon why the water got into the floor in the first place. If a hurricane blew the roof off of a house and it rained on the floors for two days, this would likely be covered. However, if an old washing machine pipe that should been replaced bursts and causes the subfloor to rot, this would likely not be covered because preventative maintenance should have been done to fix the pipe.
Water damage is incredibly common but can be very difficult to get compensation for out of an insurance company. If you have a water damage claim, you should have an experienced attorney by your side when you go to your insurance company. The attorneys of the Monfiston Firm are ready to stand with you in this fight. Contact the Monfiston Firm at 888-988-FIRM (3476) or Contact us for a free case evaluation today.