INSURANCE
Will My Insurance Pay For Water Damage in My Home?
Your home insurance company will typically cover your water damage if it’s considered sudden and internal water damage. For example, a burst pipe, leaking appliances or plumbing problems would all be covered by your insurance.
What Insurance Typically Covers
If the source of the leak or flooding is inside your home, there’s a great chance it will be covered and protected by your water damage insurance.
Roof leaks
Burst pipes
Sewage overflows
Toilet overflows
Leaking plumbing
Slab leaks
Hot water heater breaks
and more
Reach out to a certified water restoration professional or your insurance company to verify the specifics.
What It Doesn’t Cover
There are a couple of things that can disqualify you from having your water or flood damage covered by your claim. “Gradual damage” is a term used to represent issues that weren’t sudden or unexpected. For example, if you neglected to maintain or upkeep a toilet that overflowed in your home, there’s a chance your insurance will not cover the full amount of your water damage.
These include
Damage from unsolved maintenance issues
Old or neglected plumbing can cause leaks that cause water damage and mold, that would be considered “neglect” by your insurer and won’t be covered.
Flooding
Rain water or water that floods your home isn’t covered in standard homeowners insurance. This includes, but isn’t limited to – rainwater, surging rivers, and drenched ground.
Sewage water or leaks
most policies will not typically cover water leaking into your home from an outside water leak or sewage overflow.
"MIKE W. IS THE MAN!"
Mike W did a great job of repairing my ceiling after the ac install water line caused damage. He was professional and communicated what needed to be done each step of the way. He even worked on the weekends to make sure the repairs were completed timely. If I need any services from Regent again I’m asking for Mike W.
Alexis W.
"This company is outstanding!"
Kept in touch about progress. Very patient with questions. I am so impressed with there understanding and listening. Helped with everything including getting payment. I will definitely use them again for any restoration work. I highly recommend them if you have any need for a great restoration service!
Conni P.
"We highly recommend this company."
Regent Restoration has worked fantastically with our insurance putting our bathroom back together after it flooded. The crew have gone out of their way to make sure that everything was done well. Their lead employee Chris has overseen all of the work and has done the best job. We highly recommend this company.
Sheila F.
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Standing water is an obvious sign of water damage, but there are also other signs you should look out for.
Other signs include musty odors, wood rot, ceiling stains, warped wood floors, and crumbling drywall.
If you notice any of the above in your home or business, you should address the problem right away. If you ignore water damage, it can lead to serious structural damage and mold growth.
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The cost of water damage varies from each project, because each scenario is unique. With that said, property owners in Dallas can expect to pay around $350-5,000 for cleanup and repairs.
The three main factors that influence the cost are:
Type of water and the level of contaminants that are present
How many rooms are affected
The amount of repairs needed and the type of materials that need to be replaced
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Our flood damage cleanup crews are IICRC certified. It is crucial that you hire a certified restoration company in Dallas. Drying water incorrectly can lead to property damage or mold growth in the future.
Armed with this training, our flood cleanup experts have the skills to respond to any kind of emergency. When you call Regent Restoration for flood cleanup or damage restoration services, you’ll know the job will get done right the first time.
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Experiencing a home flood or fire is stressful. That’s why we try to make the water damage restoration process as easy as possible for our customers.
Step 1: You call us
Our 24/7 dispatch team will send a restoration crew to your home or business. We can send a team to your property ASAP or you can schedule a time that is convenient for you.
Step 2: Free inspection
We thoroughly inspect your property using infrared cameras and moisture meters. Then, we determine a plan of action to get your property back to normal.
Step 3: Relax while we clean up the water from your property
Our crews use water removal vacuums, pumps, and other specialized equipment to clean up the mess.
Step 4: We make everything dry again
Our crews set up industry-grade dehumidifiers, fans, and air scrubbers to remove the moisture from the structure.
Step 5: We save your belongings
We determine what items are salvageable and what items must be replaced. Then we take your belongings to our secure facility for storage and cleaning.
Step 6: We stop mold
We spray down affected areas with special anti-microbial solutions to stop mold growth in its tracks and protect your health.
Step 7: Reconstruction and water damage repair
Our skilled repair contractors will fix your damaged property, like wood floors, drywall, cabinets, and more. If you need more extensive repairs, like roof reconstruction or total property reconstruction, we can handle that as well.
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You should absolutely try to clean up as much water if the water came from a clean source, such as a broken pipe. If there is sewage present or other hazards, you should wait for the restoration professionals to arrive.
Use towels, mops, and buckets to absorb the water.
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This depends on how much water entered the building, the materials affected, and how long the water was present. With that said, it usually takes around 3-5 days.
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No, the initial inspection is free. After that, we can typically bill your insurance company directly. You only have to pay what your deductible is once the work is completed.
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This is ultimately up to you. We understand some people are hesitant to put another claim on their record. After we inspect the water damage, we can tell you whether it makes more financial sense to pay out of pocket or to file a claim with your insurance company.
FAQS
Tips & Tricks When Filing Your Claim
What To Do When Filing Your Claim
Prevent additional damage
Record proof of water damage
Review your insurance policy
What NOT To Do When Filing Your Claim
Throw stuff away
Make permanent repairs before contacting a professional
Be pressured to use insurance vendors
How The Claims Process Works
Water or fire damage usually only happens to a person once in their lifetime, so the claim process can be a new and confusing situation. Our experts will guide you through the process and work side-by-side with the adjuster to get you the best compensation for your losses.
Who To Hire To Repair Your Water Damage
Depending on your insurance, you might even qualify for property improvement upgrades. Here’s how we handle the insurance process:
We have a long-term relationship with insurance companies and we’ll represent your best interests.
We know how to properly document evidence and photograph proof of damage and we’ll send it the insurance company for you.
We’ll negotiate with your insurance company for the repairs, replacements, and restoration services you need.
We’ll work with them to see if you qualify for property upgrades.
How To Avoid Having Your Claim Denied
File your claim on time.
Provide sufficient documentation/evidence of the damage to prove your claim (we can help you do this).
Every policy lists exclusions, so double check to make sure the loss is covered.
Take steps to prevent further loss and mitigate the damage, but DON’T make permanent repairs yet.
