As a homeowner in Florida, you are likely acquainted with the need to have flood insurance. If you have a mortgage, there is a good chance your lender requires it. What you might not realize is that flood insurance doesn’t just protect you from flooding due to tropical storms and hurricanes. It is also necessary if you have flood damage from other situations. A standard homeowners’ insurance policy only covers water damage, not flood damage, so it is important to understand the difference.
Water damage is what happens from water than has not become contaminated through contact with the ground at some point. A broken pipe, overflowing bathtub, washing machine leak, garbage disposal leak, and other plumbing mishaps are examples that fall under the classification of water damage. Keep in mind, however, that some insurance policies exclude water damage resulting from neglect, intentional acts, and occurrences that could have been easily prevented. Flood damage, on the other hand, involves contaminated water. Examples besides severe weather include sewer or septic backups and water intrusion after a rainstorm due to a drainage issue.
At DTS Restorative Services, we offer both water damage and flood damage restoration services in the Winter Garden, Florida area. When disaster strikes, the first step is minimizing the problem by getting the water removed. We have the expertise to take the proper precautions, including the extra care that is needed due to contamination. Reach out today to learn more.