How do I know whether my water damage was from flood or wind driven rain?
How do I know whether my water damage was from flood or wind driven rain?
Video Transcription
In many instances, you may not, and this becomes a common issue especially, in severe weather events or hurricanes. Not everybody has flood insurance. If you have a mortgage and you live in a flood zone, you’re probably required to keep it. If you don’t live in a flood zone, or you don’t have a mortgage, you may not have it. Either way, the last thing you’ll wan to deal with is financial recovery if you’re hit by a flood; More likely you’ll want to get on the phone to a company that handles Water Damage and Roofing of Lakeway to get the damage fixed as soon as possible, so it is important to know how to proceed if this damage strikes your property. Generally, flood insurance is through a federal program. Unlike other types of insurance claims, you may not be entitled to attorney fees if you have to sue your carrier. What’s important to note though, is that if the insurance company is saying, “We’re denying your claim because we think it’s flood.” But there’s an argument that the water came in from wind-driven rain during a storm, you may still have a valid claim, because if they can’t clearly show which was the cause, then you may have coverage under both policies. Or if you don’t have a flood policy, you may still have coverage under your homeowners policy, even if they’re denying it. It’s important to talk to trained professionals, like this roofing company austin (who deals with water damage), to understand these issues and not just take the insurance company’s denial at face value. If you have a situation where there’s a possible flood, it’s also possible rain and wind affected the claim. After all of this, there is the cleanup to deal with and that can be emotionally taxing as you are not sure what’s completely been affected by the damage or partly, it can be a lot to take in, that’s why getting a water damage restoration company to help with your home and the contents can be a huge help and relief, they’ll be fully trained in dealing with horrendous situations such as this so you have the time to deal with the legalities.