At Restoration Now! Omaha, we realize when you experience a flooded basement the last thing you want to worry about is what will be included in your insurance policy. In many cases, flooded basements are completely unexpected; you may not know what to do or have the extra income for expensive repairs that will need to take place.
An Omaha Flooded Basement Story
Imagine you just finished a 14 hour overnight shift, only to come home to a sour smell immediately after you walk into your Ranch-style home. Did you forget to take out the trash? Did you leave clothes in the washer for a week? Spill something downstairs that you forgot to clean up? Unfortunately, none of these are true. Instead, the seal for your toilet broke a few weeks back, and because you only use the basement area for laundry, you didn’t realize that you’ve become a victim of water damage.
This flooded basement situation is not an out of the blue occurrence for many Omaha home owners, especially when the basement is rarely used. Due to homes and their inside appliances aging, it’s common for a water emergency to occur.
What’s Covered with Home Insurance
A popular question we get asked at Restoration Now! Omaha by many homeowners and renters in Omaha is, “will insurance cover the water damage in my basement?” Unfortunately, all homeowner’s insurance policies are different. In many cases, if your toilet has been properly maintained, it’s possible this situation would be covered by your insurance. The area that gets a bit tricky is that you’ll have to prove that the seal of your toilet was defective.
There’s not a clear answer as to whether this type of water damage will be covered, simply because many homeowners and renters attempt to install toilets themselves versus having a professional perform the task. This causes insurance companies not to cover this situation due to the inexperience of the installation being performed. If you did have a professional install your toilet–grab your receipts, you’ll have a higher chance of obtaining damage compensation if you have all these items at your finger tips.
How Restoration Now! Omaha Can Help
While our water damage restoration experts at Restoration Now! Omaha don’t wish the above situation on any homeowner or renter, we do want you to know that we can help! When you experience a water emergency, big or small, we can help you by Restoration Now!ping the water from spreading. Our water damage restoration team has the experience to fix the problem while communicating with your insurance agent for you. At Restoration Now! Omaha, our goal is to get your home back to the condition it was in prior to your water emergency. We strive to communicate on your behalf with your insurance company to help with the unexpected water damage. Give us a call today at (402) 502-7277 or fill out our online contact form and let’s start working to get your home back to normal!