Does Your Insurance Truly Cover All Storm Damage For Your Honolulu Properties?

9/11/2019 (Permalink)

Seemingly small leaks in your ceiling will lead to much larger damages that your insurance will not cover.

Make Sure You are Aware of What Coverage Your Insurance Provides

Flooding is common throughout the state of Hawaii. Our rainy season is November to March, taking up almost half a year. Flooding and storm damage is particularly common for local Honolulu homes and businesses. Many Hawaii residents, and business owners find themselves refusing to assess “minor damages” due to financial hardships, which proves to be counterproductive when seeking the most cost efficient way of keeping your home safe, and up-kept throughout the year. To ensure your property is receiving the best care as well as protecting your wallet if disaster strikes follow our SERVPRO recommended steps.

Check What Your Insurance Does NOT Cover With Flooding Damage

Most insurance companies do not cover flooding damage when the water runs into a home from outside. This means if any rushing or flooding water outside were to enter your home through a door, window, or crack the insurance may not cover the damages. Insurance companies do NOT cover water damage if the water enters over the threshold of your home, meaning if the water comes in through your front door damages will not be covered. Call and check with your insurance company to inquire what damages they will cover. In the case, your insurance will not cover these damages take comfort in knowing there are steps you can take to prevent your home from suffering from flood damages. Have your home prepared with sandbags, and a sump pump to prevent water from entering your home. Also, be sure to keep on maintenance in your home to prevent possible situations your insurance won’t cover. 

Do NOT Overlook a “Small” Leak 

Do not look past a small leak coming from your ceiling. Keep up the maintenance of your property throughout the year. Insurance companies will decline to pay for storm damages if your property has had ongoing issues you did not take care of that cause damage to your home or business.

Check with your property and contact your insurance company to make certain you are prepared and aware of what needs to be done if your property is in danger of flooding.

If you have been hit by a storm call SERVPRO at (808)744-2730. We specialize in restoration and reconstruction services for fire damage, mold, and storms. Call today for an inspection.