How Can Homeowners Insurance Cover Water Damage To Your Nashville Home?

11/30/2021 (Permalink)

The level of destruction that water damage is capable of is no joke. It's significantly more relevant considering that the Middle Tennessee area gets high average rainfall, leading to frequent flooding and mold damage. Luckily, our team at SERVPRO of Belle Meade and West Nashville has the expertise, specialized equipment, and prompt response times to ensure that the wear isn't prolonged. Below, we have listed some tips you can implement while waiting for us to arrive and how homeowner's insurance can cover water damage to your Nashville home. 

What Can I Do While Waiting For Help To Arrive At My Nashville Home? 

• One major action you should take post-flooding is to remove excess water by mopping and blotting! After removing tabletop items and lamps, ensuring that you wipe excess water from wood furniture helps reduce further damage to your belongings. 
• Gather loose items from floors! Leaving items lying around doesn't help when you try to mop and blot areas with signs of water damage. 
• Place aluminum foil or wood blocks between furniture legs and wet carpets! This helps against permanent rust from furniture stains. 

How Does Homeowners Insurance Cover Water Damage To My Nashville Home? 

• In the case of a natural disaster, homeowners insurance can generally cover the incident. For example, if your drywall is soaked after your water heater ruptures or you have a burst pipe, homeowners insurance can help pay for those repairs. 
• Homeowners insurance can cover water damage from leaking plumbing, such as if your washing machine hose breaks; in other words, as long as it's accidental. Homeowners' insurance doesn't cover poor maintenance of appliances. 
• In most cases, two types of coverage apply depending on what's damaged: dwelling coverage and personal property coverage. 
• Dwelling coverage helps pay for the structure of your home if the structural integrity is compromised as a result of flooding. 
• Personal property coverage refers to restoring your belongings if they are damaged by a risk that was already covered. 
• In both situations, it's important to remember that a deductible will apply before your coverage kicks in. 

It can be stressful figuring out the inner workings of insurance on top of restoring your Nashville home "Like it never even happened." But with our advanced technology and 24-hour emergency response, we have the know-how to restore properly. As a locally owned and operated business, we may even be neighbors- so we know Music City like the back of our hand! Contact SERVPRO of Belle Meade and West Nashville at (615) 242-9391, and let us get your Nashville home as good as new. 

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