Woman looking over homeowners insurance policy

Is Disaster Restoration Covered By Homeowners Insurance?

Owning a home has its own assortment of challenges. It is, however, prone to the unpredictable. Fires, break-ins, and several other emergencies are common fears for homeowners. That is why it is important to be armed with the knowledge of what options are available to help you out and if disaster restoration covered by homeowners insurance.  

Which Disasters Qualify For Disaster Restoration Covered By Homeowners Insurance? 

Most insurance companies are particular about the type of damage they will cover and disaster restoration covered by homeowners insurance. What’s more, they are likely to make assessments to determine the costs of repairs. It is important to note that restoration is different from renovation. Renovations are considered ‘projects’ that are very likely to come out of pocket, while companies are more focused on returning your residency to a similar quality before the damages. 

According to Insurance Information Institute, the following emergencies are eligible for standard homeowners insurance policies: 

  • Fire and lightning damage 
  • Windstorm and hail 
  • Explosion 
  • Riots, or civil disturbances 
  • Smoke 
  • Theft 
  • Vandalism 
  • Aircraft damage  
  • Plumbing and electrical issues (dealing with structural integrity) 

These options are the most prevalent. Remember to call your insurance company to see which perils are excluded from their policy. Under the resident owner’s limitations, it is recommended to make temporary repairs to all affected property and possessions to the best of one’s ability in the aftermath of events. Your company may pay for temporary living arrangements.

Disasters Not Typically Covered: 

  • Earthquakes 
  • Floods 
  • Maintenance damage 
  • Sewer Backup 

home flood disasterIt may be surprising that insurance companies are not required by law to cover the biggest natural disasters, but it is deemed as impractical measures and unfair for insurance companies. Remember that a large number of their customers may live in your area, and the task of restoring hundreds to thousands of homes may cause your insurance company to go bankrupt. This could lead to many households being forced off their insurance plans. 

And although it is out of your control (the standard for most qualified disasters), it is taken into the hands of the government to provide for its citizens. This would come in the form of disaster relief programs managed by FEMA, like the NFIP (National Flood Insurance Program). 

For maintenance, which includes mold and pest infestation, it could be strange that it does not fall under most coverages. According to Insurance Information Institute, the responsibility of upkeep falls upon the residence owner(s).  

The issue of sewage is a unique one. Of course, it is not a typical offer from homeowners and renters insurance for that matter, but it can be purchased as a stand-alone deal. Luckily, these additions are often on the cheap side. 

What to Expect During the Insurance Process 

home insurance processNow that you’re familiar with the common qualifications of disaster restoration covered by homeowners insurance, the next step is to file a claim. You will receive a proof of loss form and an adjuster. One may need to prepare for the adjuster’s visit, as they will collect information for repair costs. Do not throw out anything before they arrive to assess the damages. 

Instead, follow these tips before the adjuster’s visit to expedite the process: 

  • Make a list of all damaged items prior to the adjuster’s visit 
  • If possible, provide copies of item receipts  
  • For home installations, collect written bids from licensed contractors 

Remember to make additional copies of your lists, receipts, estimates, and other documents for yourself. In turn, they will provide you with paperwork, so expect to record the names and phone numbers of everyone you speak to for follow-up. Depending on company policy, certain conditions may apply.

Is Disaster Restoration Covered By Homeowners Insurance? Ask Hosto Financial & Insurance Services

To conclude, it is important to call your company as soon as possible, but if after a traumatizing event, these steps can wait. Because the most important priorities are, of course, you and your family’s security.

If you are seeking advice about homeowners insurance and wondering if disaster restoration covered by homeowners insurance is available, give us a call at (618) 779-5808.

Wondering which homeowners insurance company is right for you? Read more here.

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