Rains, floods, and plumbing issues can strike unexpectedly, making water damage insurance coverage a crucial safeguard for homeowners. And it’s not only that, but you also need a capable company for water damage restoration in Chesapeake, VA, to keep track of all the remodels and upgrades following a damage event – it helps with backing up your claim!
However, understanding the fine print of your policy is essential, as specific actions or situations can void your insurance. In this blog by ServiceMaster Southside Chesapeake, VA, we’ll explore the factors that can potentially void your coverage and how to avoid these pitfalls.
5 Things That Can Void Homeowners Insurance and Make You Pay for Water Damage Restoration in Chesapeake, VA
Insurance works if you don’t violate the policy’s terms and conditions. That calls for due diligence in the residential upkeep. Here is what can negatively impact your insurance claim.
Failure to Properly Maintain Your Home:
Regular maintenance is a homeowner’s responsibility. Neglecting routine upkeep, such as fixing leaks promptly or maintaining your roof, can give insurers a solid reason to deny your water damage claim. To avoid this, ensure your home is well-maintained and swiftly address any issues.
Lack of Maintenance Documentation:
Accurate record-keeping is crucial. If you can’t provide documentation of previous repairs or maintenance, your insurer might question the validity of your claim. Keep records of all maintenance, inspections, and repairs related to your home to ensure your insurance remains intact.
Failure to Report Damage Promptly Before Water Damage Restoration In Chesapeake, VA
Timeliness matters when filing a water damage claim – especially after a storm, a sewage backup event, or flooding. Delaying the reporting of damage can lead to complications or even a denied claim. Always report water damage as soon as you discover it and follow your insurer’s guidelines for reporting procedures.
Improper Installation or Renovation:
DIY projects can be gratifying but can void your insurance if done improperly. Whether it’s a new plumbing installation or a home renovation, ensure it complies with local building codes and safety standards. Inadequate workmanship can be a reason for claim denial.
Flood Damage Exclusions: | Water Damage Restoration in Chesapeake, VA
Standard homeowners’ insurance policies often exclude coverage for flood-related damage. If you live in a flood-prone area in Chesapeake, VA, consider purchasing a separate flood insurance policy through the National Flood Insurance Program (NFIP) to avoid coverage gaps.
Professional water damage restoration companies like ours work with various insurance carriers to simplify your claims process. If you need help securing compensation, we can assist you in laying out a compliant claim.
We Help Keep Your Insurance Intact While Restoration Water Damage in Chesapeake, VA!
Water damage insurance is a valuable protection for homeowners in Chesapeake, VA, but it’s crucial to be aware of potential pitfalls that can void your coverage.
By maintaining your home, keeping detailed records, reporting damage promptly, ensuring proper installations, and considering additional flood insurance, you can safeguard your coverage and have peace of mind regarding water damage restoration.
For expert assistance with water damage restoration, trust ServiceMaster Chesapeake, VA, to help you navigate the process and restore your home. Call us today!