Water in the house is quite a frustrating situation and in the midst of such a mess, it is quite difficult to think clearly and decide what to do. The most obvious thing that comes to mind in case of water damage in the house is whether the homeowners’ insurance covers water damage or not. In order to answer this question, you need to know what water damage is and what is actually covered in your homeowners’ insurance regarding water damage.
What is Water damage?
Definition- Generally speaking, the huge number of losses that are caused by the leaking of water in the house is termed as water damage. The water damage includes rotting of the wood, rusting of iron and steel, mold growth in the house, rotting of the house materials like plywood, damage of the paints and house structure, etc.
Water damage can be caused by a number of water sources like broken pipes, broken toilets, burst water mains, overflowing bathtubs, damaged washing achiness, etc. There are a number of ways through which water can enter into your house and destroy everything inside.
The flood is also a similar thing and before filing a homeowner’s insurance claim you need to decide whether your house is hit by water damage or it is flood damage. Both are, although similar, but radically different terms in insurance claims. If you need to file a claim, you should be clear whether it is flood or water damage so that you can get necessary benefits.
Difference between Water Damage & Flood Damage:
A flood can be described as the inundation of two or more properties of completely dry land which can be caused by the below listed water sources:
- Overflow of tidal waters
- Undermining of the land caused by the currents of water
- Unusual or rapid accumulation of water on the surface
If your home has the water damage which comes from the above described sources, then you can be sure that it is a flood and not simply water damage. After deciding whether it is a flood or simply water damage, you can file the considerable insurance claim.
What to Do in Case of Water Damage?
So now you have come to know that it is water damage in your house and not flood, now you need to know what to do in case of water damage. First of all, you need to find the source of water. Look everywhere in the house and check every pipe and tap to know which is causing the problem and from where the water is leaking.
After finding the source of water, try to fix it on your own. Call a plumber to deal with the problematic plumbing in the house. After treating the source of leaking water, you need to deal with the water damage.
Water can cause rotting of the wood so you may need to replace the wooden items from the house. You also need to replace your old carpets and start cleaning and drying the house to prevent mold growth.