Is Flooding Covered by a Homeowner’s Policy?

Two things make a big difference in whether water damage is covered by a homeowner’s insurance policy: the wording of the policy and the source of the water that caused the damage. In most cases, flooding in Proctorville, OH caused by external natural forces like an overrunning creek or levee break won’t be covered by a homeowner’s insurance plan. These incidents need to be covered by a separate flood insurance policy. The most common coverage is through the National Flood Insurance Plan or NFIP and provided by approved insurance sellers.

On the other hand, if the water damage source was internal, such as a broken pipe or failing drain system, coverage may be possible. The actual application depends very much on how the wording of a given policy was crafted, so it’s important to read one’s policy first before filing a claim, according to Jeff Hutchison Insurance Services.

Regarding mold, it’s a common damage problem that can be both widespread and structural. Further, it can be a major health problem aside from being a sight and smell nuisance. The first step is mitigation. The following can go a long way to preventing or reducing mold:

  • Thoroughly drying the affected area within 48 hours of contact.
  • Cleaning out all drainage paths.
  • Keeping indoor humidity low, at least below 60 percent.
  • Using vents or windows to create air flow for evaporation.
  • Removing large items that soak up water and trap it.

When mold has occurred, it needs to be removed, the affected material needs to go to the garbage, and the area treated with mold-killing chemicals. Professional services may be necessary to ensure effective treatment is effective. Again, how the mold was caused makes a big difference in whether these costs are covered. To find out more in the Proctorville, OH area, contact Jeff Hutchison Insurance Services for expert help.