If you need an urgent response, contact us at (206) 203-6155. We are open 24/7, 365 days a year, and our response time is typically within 45 minutes. In the meantime, here’s what Seattle homeowners need to know about water damage insurance coverage.
Understanding Insurance Coverage for Water Damage
Water damage is one of the most common reasons homeowners file insurance claims, especially in Seattle, where frequent rain, storms, and plumbing issues are prevalent. However, not all types of water damage are covered by standard home insurance policies.
What’s Typically Covered
Most home insurance policies cover water damage that is:
- Sudden and Accidental: Examples include burst pipes, appliance malfunctions, or roof leaks caused by a storm.
- Storm-Related Water Intrusion: Damage caused by heavy rains or wind-driven water entering through a compromised structure.
- Overflow or Discharge: Water damage from a malfunctioning washing machine, dishwasher, or HVAC system.
What’s Usually Not Covered
Standard insurance policies often exclude:
- Flood Damage: Rising water from rivers, lakes, or heavy rainfall requires a separate flood insurance policy.
- Negligence: Damage caused by a lack of maintenance, such as long-term leaks or ignored plumbing issues.
- Sewer Backups: Without an additional rider, damage caused by sewage backups may not be included.
Steps to Take When Filing a Water Damage Claim
1. Document the Damage
- Take clear photos and videos of the affected areas, including visible water, damaged items, and structural issues.
- Create an inventory of damaged belongings, noting their approximate value.
2. Notify Your Insurance Provider
- Contact your insurance company as soon as possible to report the damage.
- Provide them with the documentation you’ve gathered to support your claim.
3. Prevent Further Damage
- Take immediate steps to mitigate damage, such as shutting off the water source, drying affected areas, and removing standing water.
- Work with a top restoration company like 911 Restoration Seattle to ensure proper cleanup and documentation for your claim.
How 911 Restoration Seattle Helps with Water Damage and Insurance
Fast Response and Cleanup
Our team provides 24/7 emergency water damage restoration services, including water extraction, drying, and structural repairs.
Expert Documentation
We document the damage thoroughly and provide detailed reports to support your insurance claim.
Direct Insurance Billing
We work directly with your insurance company to streamline the claims process and minimize out-of-pocket expenses.
Comprehensive Restoration
As a top restoration company in Seattle, we ensure your property is restored to its pre-damage condition quickly and efficiently.
Common Water Damage Scenarios in Seattle
1. Burst Pipes and Plumbing Issues
Cold weather or aging infrastructure often leads to pipe bursts in Seattle homes. These are usually covered by insurance if addressed promptly.
2. Storm-Related Leaks
Seattle’s frequent rainstorms can damage roofs and windows, leading to water intrusion. Proper maintenance and documentation are key to insurance approval.
3. Appliance Malfunctions
Water heaters, dishwashers, and washing machines can fail unexpectedly, causing significant damage that is often covered under standard policies.
See What Others Are Saying
Curious about how we’ve helped Seattle residents recover from water damage? Read our reviews to see why we’re the top restoration company in the area.
Call Us for Water Damage Restoration in Seattle
If you’re dealing with water damage, contact 911 Restoration Seattle at (206) 203-6155 for immediate assistance. We are available 24/7, 365 days a year, with a response time of 45 minutes or less.
Let us restore your property and peace of mind. Visit our website for more information or to schedule an appointment: 911 Restoration Seattle.
