In the summer, water damage is often caused by storms, and causes damage to garages, shops and homes. All insurance companies do offer compensation against flooding, but the conditions involved in this premium and the exact nature of the flooding, determines the responsibility for repairs, and details regarding the compensation for damages.
As a policyholder, you must notify the company with whom you hold insurance as soon as you know you need to claim. Many companies provide 24-hour telephone cover.
Insurers specify water by meter square calculation, which shows the entitlement the client has against water damage caused by a storm. This is the same in respect of wind speed and the damage caused by this. It does not usually include damage, which is caused by groundwater floods, or leaking to the lower areas, which go hand-in-hand with such weather conditions.
Rain that comes through pipes, ceiling, balconies, windows or chutes caused by leaking or sewage overflowing, should be checked carefully for damage. This type of damage is often not included in cover, should it be caused through poor maintenance of roof drainage or patios, which is why it is important to check your policy carefully.
If you do need to claim, the insurance agent will ask an expert to visit to calculate the amount of water damage. They may also instruct the qualified persons who can then carry out the repairs. Finally, they will award any damages due to the policyholder.
Should the flooding be caused by rivers, seawater, dams or damaged levees, then you may be entitled to compensation from the Insurance Compensation Consortium
Which restoration equipment do you use?
TumugonBurahin