Storm Flooding Isn’t Always Covered

4/1/2021 (Permalink)

Homeowners take comfort in knowing that they are protected against potential property perils through their insurance. However, many owners overestimate their coverage for flooding. While a homeowner’s policy may cover typical damages incurred during a storm’s high winds and heavy rains, like roof damage, only flood insurance may cover the sewer backup and mold growth caused by the storm. Unfortunately, many people in Northern Virginia do not purchase these integral policies, leaving their flood claim forever denied. Therefore, it is necessary to understand a homeowner’s coverage and how special policies may help in an emergency.

Wind

Many standard home insurance policies cover wind damage to an extent, meaning that they will cover damages typical to certain severe weather conditions. However, some storms may not be included in these plans, such as hurricanes. For hurricanes or other tropical storms, you may require an addendum to your existing policy or coverage from an outside source.

Water

Water can cause many problems during storms, some of which are covered by typical homeowner's policies. For instance, roof damage is likely covered, and that would include damage caused by standing water or water that made it through the membrane because of wind and debris damage. However, a storm that causes extensive flooding along with mold growth or sewer backups will probably require flood insurance.

Restoration

Once you understand what an insurer is likely to cover, you can get an idea of restoration costs. A restoration service in the Northern Virginia area is likely more than capable of rebuilding your home. While these businesses focus on cleaning and restoring your structure, they will also make suggestions for preventative tools, like storm shutters.  Our team at SERVPRO of Dale City/Lake Ridge and SERVPRO of Woodbridge/Lorton is here to help and just a phone call away at 703-583-8484.