Insurance Claims

Water Damage Insurance Claims in Southeast Michigan

A broken water pipe or a leaking hot water heater may cause significant damage to your house and belongings. Clean-up should be conducted by professionals as soon as possible since water damage can be hidden behind walls, below carpets, and in hidden areas.

At Maher Restoration, we have water damage solutions designed to make sure you feel confident and protected. If your home does get water damage, your water damage insurance policy would cover emergency clean up, replacement of your belongings, home repairs and additional living expenses.

Call us today at 248-368-0807 to know more about our water damage insurance policy with free estimates!

Types of Damages Covered by Water Damage Insurance

Types of Damages Covered by Water Damage Insurance

Water damage is a common problem in homes, and it can be caused by a variety of issues. However, there are only a handful of water damage scenarios that will be fully covered by your homeowners' insurance. These types of water damage include:

  • Sudden or accidental water discharge
  • Storm-related water damage
  • Accidental sewer backup or overflow (you may need an endorsement)
  • Flood damage (if you have flood insurance)
  • Water damage after a fire
  • Water damage from a roof leak
  • Water damage from storms

Types of Damages Aren’t Covered by Water Damage Insurance

Types of Damages Aren’t Covered by Water Damage Insurance

The main type of water damage that isn’t covered by insurance is gradual damage. Unlike accidental or sudden damage, gradual damage is caused by normal wear and tear, which isn’t covered by insurance.

  • Lack of maintenance: If you had a leaky faucet, failed to repair it, and it causes extensive water damage in the future, it would not be covered.
  • Broken pipes: If a pipe breaks due to gradual damage, the water damage wouldn’t be covered by insurance.
  • Mold and rotting: Mold, rotting or corrosion that occurs in your home due to water leaks is not covered.
  • Foundation seepage: If a crack in your home’s foundation lets water in, your standard policy does not cover the damage.
  • Roof damage: If a tree falls on your roof and lets water in, you would be covered for the roof repairs and the water damage. However, resulting in damages, like mold, most likely would not be covered.
  • The cost to repair or replace the source of the water damage: Fixing a broken dishwasher or washing machine.
  • Water damage from a sump pump failure or related equipment: You may want to consider sump and water backup coverage for those types of problems.

Contact Us for Water Damage Insurance in Detroit, Oakland, & Auburn Hills, MI

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In Business for since 2004

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We are a restoration industry expert in disaster recovery in the Southeast Michigan area. It is natural to feel shocked and confused when disaster or accident strikes. But the best and most proactive initial step is to call an experienced fire and water damage restoration company to come and assess the damage.

Our agents, many of whom live right here in Michigan, will help you understand your existing coverage, find alternative or additional, and provide you with a variety of water damage insurance quotes.

We also provide services for burst pipes, appliance leak cleanup, sump pump cleanup, wet crawl space cleanup, wet basement cleanup, 24 hour emergency water restoration, mold testing and many more!

We can contact us in Allen Park, Armada, Berkley, Brighton, Canton, Clawson, Dearborn, Dexter, Ecorse, Flat Rock, Garden City, Hamburg, Hartland, Holly, Inkster, Livonia, Macomb, White Lake, Willis, Wixom and other nearby areas of Southeast Michigan.

So, please call us today at 248-368-0807 or contact us online to get our services at your area.