As storm and hurricane season approaches here in south Florida, it’s a good idea to take extra precaution when it comes to knowing that any acts of nature will be properly covered by your homeowners insurance. Prolonged, wind driven rain events such as Tropical Storms and especially Hurricanes can easily drive a tremendous amount of water into buildings though the smallest of openings that you never thought possible.
It’s a good idea to make sure all cracks or gaps in the building’s exterior are well sealed with a good sealant and good quality coat of paint. This is especially important around windows and entryway doors where water can run in under loose and unsealed thresholds.
Will Your Insurance Cover Water Damage?
Keep in mind your insurance company more than likely consider this type of damage, that can be extensive, to be ground or flood water and may deny your claim, leaving you on the hook for may thousands of dollars in clean-up, dry-out and possibly even mold remediation services.
You should talk to your insurance agent and review your homeowners, renters or commercial policies to have a clear understanding of what will and will not be covered in the event of wind or water damage after a storm event.