Insurance & Flood Damage Clean Up

March 21, 2016

Does Homeowners Insurance Cover Flood Damage Clean Up?
By Oakland, Wayne & Macomb County’s Best Flood CleanUp Company

There is often a lot of confusion over insurance coverage of “flood” damage cleanup. This is because most homeowners use the term flood one way – while insurance companies use flood to mean something very specific.

Many people use the term “flood” to mean any sudden deluge of water, including burst pipes, leaking roofs, etc., in addition to floods from rain or rivers.

But insurance companies, use the term “flood” only to refer specifically to an overflowing of a large amount of water beyond its normal confines – such as rain water that isn’t absorbed into the ground, or a river overflowing its banks.

As Oakland, Wayne & Macomb County’s best flood clean up company, we have decades of experience dealing with homeowners insure companies to help our customers get the maximum coverage allowable after flood water damage.

Flood Damage Clean Up Covered by Insurance – Macomb County

“Flooding” – i.e. water damage – caused by “sudden or accidental” burst pipes, ruptured water heaters or leaking roofs IS typically covered by homeowners insurance. However it is still a good idea to check your insurance policy carefully to make sure this type of “flood” is covered.

There is, however, an exception to coverage for flood water cleanup for burst pipes, leaking roofs, etc. Generally insurance will not cover flood water damage resulting from an unresolved maintenance issues, such as an ongoing leak from a faucet or other plumbing fixture.

Flood Damage Clean Up NOT Covered By Insurance

Homeowners insurance typically does NOT cover water damage from “actual” floods” – i.e. overflowing of a large amount of water beyond its normal confines – from heavy rain water that isn’t absorbed into the ground or from a river overflowing its banks.

In recent years – due to excessively rainy spring seasons – areas of Oakland, Wayne & Macomb County have all experienced actual incidents of widespread flooding.

Water backup from an outside sewer or drain is also NOT typically covered by most standard homeowner’s policies. And due to Oakland, Wayne & Macomb County’s aging sewage systems, flooding from sewage backup has also been occurring more frequently.

Buying Flood Damage Cleanup Insurance – Macomb County

However, usually you are able to purchase additional sewer or water backup coverage – and/or flood insurance – that can help provide protection in case of an actual flood.  Sewage backup insurance coverage can usually be added to your home insurance policy as a “rider” for an additional $50 to $150 per year. And flood insurance can be obtained directly through the National Flood Insurance Program (NFIP).

Hiring an experienced sewage backup contractor – like Aaron’s Restoration – will also help ensure a smooth and hassle-free insurance claims process if you have experienced flood water damage that is covered by your homeowner’s policy. We will provide a complete flood damage inspection, and provide you with the information and documentation your insurance company will need to assess what repairs will be covered, and to get you the maximum claims coverage under your policy.

Our experienced sewage backup clean up team knows what the insurance company is “looking for” when approving your insurance claim – and can provide it in a rapid, detailed and organized fashion, so there are no delays in processing your claim!



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