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 the most common insurance claims for restoration services and what is typically covered.
Common Insurance Claims for Restoration Services in Seattle
Seattle’s unique climate and urban environment contribute to several common types of property damage, many of which are eligible for insurance coverage. Knowing what’s covered can help you take swift action and avoid unnecessary expenses.
1. Water Damage Claims
Typical Causes
- Burst pipes during cold weather.
- Storm-related roof leaks.
- Appliance malfunctions causing flooding.
What’s Covered
- Sudden and Accidental Damage: Most policies cover damage caused by unexpected events like plumbing failures or storm-related leaks.
- Water Extraction and Repairs: Costs for water removal, drying, and structural repairs are typically included.
What’s Not Covered
- Neglect or Poor Maintenance: Long-standing leaks or ignored plumbing issues are usually excluded.
- Flood Damage: Requires a separate flood insurance policy.
2. Fire and Smoke Damage Claims
Typical Causes
- House fires from electrical issues or cooking accidents.
- Smoke damage from nearby wildfires.
What’s Covered
- Structural Repairs: Rebuilding walls, roofs, and floors damaged by fire.
- Soot and Smoke Removal: Deodorization and cleaning of affected surfaces.
- Personal Property Restoration: Cleaning or replacing damaged furniture, electronics, and other belongings.
What’s Not Covered
- Neglect: Fires caused by poorly maintained electrical systems may not be eligible for full coverage.
- Additional Living Expenses: Temporary housing costs may require an additional rider.
3. Mold Remediation Claims
Typical Causes
- Mold resulting from water damage.
- Poor ventilation or high humidity in areas like basements and bathrooms.
What’s Covered
- Water-Related Mold: Mold caused by covered water damage is often included.
- Remediation Costs: Removal, cleaning, and prevention measures.
What’s Not Covered
- Long-Term Issues: Mold from ongoing leaks or poor maintenance is excluded.
- Flood-Related Mold: Requires flood insurance.
How to Ensure Your Insurance Claim is Approved
1. Act Quickly
- Delays in addressing damage can lead to claim denial. Work with the top restoration company to mitigate damage immediately.
2. Document Thoroughly
- Take photos and videos of the damage and create an inventory of affected belongings.
3. Review Your Policy
- Understand what your insurance covers and consider additional riders for exclusions like floods or temporary housing.
4. Partner with Experts
- Restoration companies like 911 Restoration Seattle provide detailed documentation and work directly with insurers to streamline claims.
How 911 Restoration Seattle Simplifies Insurance Claims
1. Comprehensive Services
We handle water, fire, smoke, and mold restoration, ensuring your property is fully restored.
2. Expert Documentation
Our team provides detailed assessments, photos, and reports required by insurance companies.
3. Direct Insurance Billing
We work with your insurer to reduce out-of-pocket costs and speed up the claims process.
4. 24/7 Availability
Emergencies don’t wait, and neither do we. Our team is ready to respond to your restoration needs at any time.
See What Others Are Saying
Want to know why we’re the top restoration company in Seattle? Read our reviews to see how we’ve helped local residents with their insurance claims and restoration needs.
Call Us for Restoration Services in Seattle
If you’re dealing with water, fire, or mold 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.