Home insurance can serve as a comforting safety net, knowing that you are protected against unexpected damage to your home. However, it is extremely important to understand the fine print of your policy, as many will have exclusions and exemptions built into them.
Join All Property Claims as we explore some of the common exemptions and exclusions that policy offerers might put into a water damage policy.
Wear & Tear
An insurance policy will commonly exclude damage that is caused by gradual wear and tear. This can include issues such as rusty pipes and deteriorating roofs. In these cases, your claim might be rejected as it would be deemed the homeowner’s fault for not maintaining the home properly.
Excluded Structures
This is another issue that is typically not covered in insurance claims. An excluded structure is a structure that is not directly connected to the main house, including detached garages, sheds, summerhouses or fences. If you keep valuables in these and they have been affected by water damage, you will probably not be able to claim for them unless your insurance policy specifically includes excluded structures.
Unoccupied Homes
Homes that are left occupied for extended periods of time, normally around 30 days or over, are not typically covered by some types of insurance claim. They are seen as bigger risks due to less oversight of the property, and are more vulnerable to theft, vandalism or water damage.
Business Use
If you are using your home for business purposes, you might need to check your insurance policy. Many home insurance policies will only cover your home items, and if you have anything related to your business that has been damaged by water, this might not be covered.
Help With Water Damage Insurance Claims
If you need assistance with a water damage insurance claim, contact the specialist team at All Property Claims before anybody else. We will work with you to make sure every step of the process is as stress-free as possible and that you get what you are entitled to.
Call us and we will collect your insurer details and book a survey, who will arrive at the property to take photos, measurements and take details of what happened. With this report, we will send this and a quote to your insurer. After this, we will request insurers to appoint a loss adjuster to meet our surveyor on-site and agree to all costs.
Once this is agreed upon, restoration work can begin and when works are finished we send the bill to insurers, with you paying nothing except your policy excess. You should use All Property Claims as we can help save you time when making a claim, cutting through the legal jargon and dealing with insurers to make sure that you get the money and repairs you are entitled to.
If you have any questions about our process, feel free to get in touch with us today.