Water damage ruined my furniture: Are my personal items covered by insurance?

water damageWater damage is never fun to deal with, but it must be handled so that you can get the coverage necessary to replace your damaged items. Many people are under the impression that a home insurance policy automatically covers water damage, but that is usually not the case. In order to have protection for your belongings in the event of a flood, your policy has to specify that it will offer that coverage. Insurance policies can be reviewed with property water damage lawyers so that they can confirm what is covered.

Does Insurance Cover Your Personal Items?

Before you can conclude if your items will be covered by the insurance policy, it is important to identify the different types of water damage. The most common forms/causes of water damage are:

These instances can damage furniture by warping the materials, staining the fabric, and causing mold to grow when wet.

The way most insurance policies work is that they will cover the cost of replacing the furniture and part of or all of the cleanup costs. The source of the water damage can’t be from maintenance failure, have been intentionally done, or caused by a flood. Your policy has to specify if it will offer coverage from flood damage.

A water damage lawyer will advise how you should proceed with submitting a claim for compensation. If you feel that your policy will cover the damage you have experienced, a home property damage lawyer will assess your policy and confirm this for you. An attorney can also represent you as you approach the insurance company and seek to prove your protection.

Don’t struggle with water damage and your insurance policy on your own. Contact Attorney Richard Palumbo to learn how he can help you with this matter.