Water Damage

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Most insurance policies help cover water damage if the cause is sudden and accidental. But there are many factors that may hinder a full recovery. Knowing your policy, and its endorsements and exclusions is very important. Your policy states that you must protect your property from further damage from a loss. Which means you must mitigate damages, protect your property within reason, notify your carrier, and most importantly contact Disaster Adjusting to assist you with your loss.

Thermal Moisture Meters and Equipment are used to locate moisture and protect your property from additional damage. It is important to locate the source of the damage as well as other damage that is not visible by using the proper moisture meters and equipment.

What’s in Your Policy

Water backup from an outside sewer or drain.

Is not typically covered by a traditional insurance policy if water backs up into your property through an outside sewer or drain. You may, however, be able to purchase additional sewer or water backup coverage that may help cover damage from that type of event.

No type of flood damage, no matter the source of the water, is covered by a standard insurance policy. Flooding, for example, can occur from storms, over-saturated ground, overflowing or surging bodies of water such as rivers, ponds, lakes, and oceans. You may be able to purchase a separate flood insurance through the

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