South Florida Water Damage and Direct Insurance Billing

If you experience water damage in your South Florida home, you may decide to file a claim with your insurance company to pay for the costs to restore your property especially if there is permanent damage. Typically, there is a deductible that the homeowner would have to absorb before the insurance company would issue a check. Many times, the homeowner does not have the extra money sitting around to pay for the costs to hire a professional water damage restoration company. Understanding this limitation, we will bill your insurance company directly, while keeping both you and the insurance company informed throughout the drying process. We eliminate the headaches of water damage and insurance claims and get you back to normal in a dry and safe environment as fast as possible.

It’s not surprising that Water damage in South Florida accounts for more than 75% of property claims and filing a claim can be intimidating. For this reason, it is important that you go over your policy in detail before you have a claim, because water damage coverage depends on the specific cause of the water damage and the policy language of your specific policy.

Below is a list of some common water damage claims:

• Your washing machine malfunctions, overflows (something we have seen many many times), and floods your home or an ice maker line is broken; Most of the time water damage caused by a malfunctioning appliance is covered by property insurance;
• Water from a broken pipe in your home or business causes damage to your structure; This can be a little tricky. In general damage from a burst pipe is covered, but some policies exclude damage caused by a pipe that has been leaking over time. So in general, if a pipe breaks and water goes all over the place, it will be covered. But if a pin hole leak causes damage that you don’t notice for some time, it may not be. That’s why it is so important to know your policy.
• Water leaks through your roof during a heavy rain storm damaging your home or business; The water damage to your property would be covered in the typical policy. Also water entering through a window broken in the storm would also be covered.
• Water from the soaked ground seeps into your property soaking floors and walls. Usually damage from seepage is not covered because it is considered a maintenance issue. However, if the water is the result of area wide flooding, you would be covered if you had a Flood Insurance policy. Property insurance does not cover damage from floods. You must purchase Flood Insurance for that type of protection.

Prompt attention to a water intrusion is always the best approach to prevent further damage, and the formation of mold growth. If you experience a water damage or flood in South Florida, please call South Florida Water and Mold Restoration immediately to discuss the best approach to your problem. We have trained staff available 24 hours a day to serve you.

The best way to reach us is by calling 954-923-3340 and be sure to have your insurance policy information ready. If you don’t have insurance, we can still assist you with our negotiated self- pay program which will also allow you to minimize the damage being caused by a water intrusion.