Residential & Commercial Insurance Services
At SERVICE RESOURCE, our team is here for you when you need it the most. We aim to provide comprehensive restoration services after your home or commercial property suffers damage from a disaster.
Over the years, we’ve built strong relationships with many home insurance providers, enabling us to handle direct insurance billing on your behalf. We understand how stressful navigating insurance policies can be, and that’s why we’re here to assist you!
Call us now at 800-556-7007 to learn more.
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Are You Covered When Disaster Strikes?
Coverage depends on the type of disaster you face. For example, if you live in an area prone to earthquakes, hurricanes, or tornadoes, you might need a policy specifically covering these risks.
Disaster coverage typically applies to acts of God. If a hurricane causes damage to your home, you may be covered. At SERVICE RESOURCE, we have extensive experience servicing properties affected by various types of damage. Don’t hesitate to reach out for assistance!
However, it’s essential to understand exactly what your insurance considers an act of God and what will be covered. Not all policies cover flood damage, which might require additional coverage.
Water & Flood Insurance Claims
Homeowners or renters insurance usually covers accidental leaks and sudden water damage, like ceiling damage from a storm. However, not all flood damage is included. For example, a burst geyser may cover carpet damage, but storm flooding typically requires separate flood insurance.
Coverage is generally for accidents and unexpected events, while long-term leaks from neglect are usually not covered.
Fire & Smoke Claims
In most cases, if your home suffers fire damage, your fire and smoke claims will be approved. This coverage generally includes repairs, cleanup, water damage from firefighting efforts, and removing lingering smoke odors. Your personal property should also be covered.
Fire damage due to arson may not be covered unless you can prove the arsonist acted maliciously without your knowledge or consent.
Water, Fire & Mold Damage Insurance Claim
It’s remarkable how life can go smoothly without needing to file an insurance claim—until disaster strikes. Whether it’s a geyser bursting and flooding your carpets or frozen pipes bursting when they thaw, understanding how your insurance will respond is crucial.
Understanding Mold and Storm Damage Coverage in Home Insurance
- Is Mold Damage Covered?
Mold damage claims can be tricky and are often assessed on a case-by-case basis. Typically, the answer is “No.” While some policies include mold damage coverage, this is more of an exception than the norm. Most insurers require this coverage to be added separately.
What About Normal Storm Damage?
We’re not just talking about cyclones or hurricanes here. Standard weather damage, such as snow damaging your roof or severe winds blowing off parts of it, may be covered. However, flooding caused by rising rivers generally falls outside standard coverage.
Ensure your home is protected before the storm strikes!
How to Get Claims Paid Quickly
To ensure your claims are processed smoothly, adhere to all necessary procedures. Don’t give your insurer any reason to deny your claim. Understanding the terms and conditions of your policy is the first step toward a successful claim.
Know your rights and what you can claim, and meticulously follow the procedures for filing your claim. Provide thorough documentation as required and cooperate with any claims adjusters.
If you follow these guidelines, your claim will likely be processed more efficiently, allowing you to return to normal life as soon as possible after an insurable event.
