Flooding can happen in a flash, and you’ll need to know if contents coverage is part of your flood insurance. Despite weather and other potential warnings, there is not much that can be done to prevent such a devastating event. Moving items to higher ground could prevent some damage but overall larger items may not be saved. With water rushing through doors and windows, safety is the first concern. Beyond that, closely assessing the damage and determining what your insurance company will do to help is the next step.
Depending on where you live or where your business is located, flooding may not be something on the forefront of your mind. However, flooding can happen regardless of location due to a number of factors. Having the most appropriate insurance is imperative. Flood insurance in not always a part of your items coverage. What can you do to protect your most precious possessions? Understand your coverage plan and be well informed from the start.
Flood Insurance Coverage
If you have coverage, it is suggested you review your coverage to determine if flooding insurance is included in your policy. Many insurance policyholders believe flooding is automatically covered but that is not the case. Most times, flood insurance needs to be purchased separately. Flood insurance covers any physical damage to your property caused directly by flooding. That includes flood damage to appliances, electrical and plumbing systems, items permanently installed such as carpeting and cabinets, as well as clothing and furniture. Flood insurance unfortunately does not cover everything damaged in a flood situation. It is important to become familiar with what items in your home are not covered.
Items not covered include moisture damage that could have been avoided by the owner, currency and valuable paper damage and items damaged outside of the insured building. Keep in mind that flood insurance policies only cover damage caused directly by flooding. For more details regarding what is and is not covered by flood insurance, visit www.floodsmart.gov.
Expert Restoration Training
When selecting a company to help you through a flooding project, you need experts trained to both understand your contents coverage and flood policy, as well as the steps needed to properly restore your belongings. Winners’ Circle Training Center has devoted instructors with years of industry experience to effectively train any restoration staff. The IICRC certified courses they offer include Commercial Drying Specialist, Water Damage Restoration Technician (WRT), Applied Structural Drying Technician (ASD) and a WRT-ASD Combination course.
All of these comprehensive courses focus on preparing restoration staff members to better understand the restoration process in a flooding situation and teach the latest and most effective drying techniques. Restoration staff members leave the course with the confidence to successfully guide you through the recovery process. When choosing a restoration company to restore your most prized possessions, look for one that has been properly trained by the experts and has been IICRC certified. A company that can help you better understand your contents coverage and flood insurance policies in addition to bringing your personal contents back to life is the best choice you can make.