If you’ve ever experienced unexpected water damage, you know how stressful and overwhelming it can be. From soaked carpets and warped wood flooring to potential mold growth, water intrusion can cause serious property damage in a short amount of time. At Western Skies Restoration, we specialize in helping Gilbert homeowners navigate both the cleanup and the insurance process. If you’ve found yourself searching online for water damage restoration near me, you’re not alone and we’re here to help guide you through it.
One of the most common questions we hear is: What types of water damage does my insurance actually cover?
The answer? It depends on the source of the water, the type of policy you have, and how quickly you act when damage occurs.
Let’s break it down so you know what to expect if water damage ever strikes your Gilbert, AZ home.
1. Sudden and Accidental Water Damage – Typically Covered
Most standard homeowners insurance policies do cover sudden and accidental water damage. This includes scenarios like:
- A burst pipe
- An overflowing washing machine
- A water heater rupture
- Accidental appliance leaks (dishwasher, refrigerator, etc.)
If the damage was not due to neglect or poor maintenance, and it happened suddenly, there’s a good chance your insurance will step in to help cover the costs of cleanup, repair, and possibly even replacement of damaged belongings.
2. Roof Leaks – Sometimes Covered
If your roof is damaged during a storm (think monsoon season in Gilbert), and rainwater leaks in, insurance may cover the resulting water damage but not necessarily the roof repair itself. The cause of the leak is key here.
If the roof damage was due to a sudden event (like high winds or fallen debris), your policy might help cover both the roof and interior damage. But if the leak was due to poor maintenance or an old, worn-out roof, your claim could be denied.
3. Plumbing Backups – Usually Needs Additional Coverage
Standard policies often do not cover water damage caused by sewer backups or sump pump failures, unless you’ve purchased a special endorsement or rider for that.
If you don’t have this extra coverage, damages from a sewer backup can be an out-of-pocket expense. This is especially important in areas like Gilbert, where older plumbing systems can become overwhelmed during storms.
4. Flood Damage – Not Covered by Standard Insurance
One of the biggest misconceptions homeowners have is that their insurance covers floods. Unfortunately, standard homeowners insurance does not cover flood damage caused by rising water or overflowing rivers and lakes.
To be protected, you’ll need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer.
This is critical to know in Gilbert, where sudden rainstorms can cause flash flooding, especially in low-lying areas.
5. Mold from Water Damage – Depends on the Source
Mold growth that occurs as a result of covered water damage (like a burst pipe) may be covered, if you take prompt action. However, if you wait too long or fail to report the damage, your claim could be denied.
Insurance companies expect homeowners to act quickly and mitigate further damage, another reason to call a professional restoration team as soon as you notice signs of water trouble.
The Importance of Fast Action
When it comes to water damage, time is critical. The faster you respond, the more likely you are to minimize damage and maximize your chances of insurance coverage.
That’s why homeowners searching for water damage restoration near me in Gilbert, Arizona, trust Western Skies Restoration, we respond fast, document all damage for your insurance claim, and restore your home to its pre-loss condition efficiently and professionally.
Need Help with Water Damage and Insurance Claims?
At Western Skies Restoration, we don’t just restore homes, we support homeowners. Whether you’re dealing with a burst pipe or storm damage, we’ll walk you through the cleanup and insurance process step-by-step.
Call us today at (480) 507-9292 or request 24/7 emergency service online. When water damage strikes, don’t wait, let us help you restore peace of mind.