SUPER RESTORATION SERVICE CO . | 1701 NW 87TH AVE # 200 | MIAMI , FL 33172 8
Wind Driven Rains
Insurance policies define wind driven rain as rain that enters an opening into the home because of the wind . Rain , wind , wind driven rains and hail are covered by most business owner , renter and homeowner policies . Regardless of the cause , wind driven rains are covered similarly to other perils , like lightening , rain and wind . However , damage caused by wind driven rains may not be covered by the policy if the loss is the result of poor homeowner maintenance , opposed to forces of nature .
If wind driven rain damages the property because the roof was already in need of repair , the insurance policy may not offer coverage . If wind driven rain damages the property because an opening was created by a tree or other natural forces , the insurance policy is likely to provide coverage . Puddles and water damage in the home resulting from a wind-damaged door , window , or hole in the roof or wall qualify as windstorm-related damage , opposed to flood-related .
the home through the remaining drainage outlets , including the tubs , sinks and toilet . This type of event leads to sewage waste , harmful bacteria , and black mold filling the home , resulting in extensive damage , health risks , property damage and offensive odors .
Coverage for sewage backups is typically added as an endorsement to the insurance policy . This endorsement is designed to provide coverage for any physical loss to the property resulting from waterborne material or a discharge of water from a sump , drain or sewer . The sump , drain or sewer must be located on the premises listed on the endorsement in order for the sewage backup to be covered . It ’ s worth noting that for many property owners , these events are somewhat common .
There should be a clear definition and outline for wind driven rain in the insurance policy , but this is not always the case .
Flood Water
In the most basic terms , a flood can be defined as an excess amount of water on land that ’ s normally dry . The National Flood Insurance Program also includes inland tidal waters , land collapse or erosion near bodies of water and a fast or unusual runoff or accumulation of surface waters coming from any source . The NFIP defines floods as a general and temporary condition of complete or partial inundation of two or more acres or properties that are normally dry .
Generally speaking , business , renter and homeowner insurance policies don ’ t provide coverage for flooding . If you want to protect personal property , a business or a home from a flood , you ’ ll need to obtain a flood insurance policy separately . When the property is in a location designated by FEMA as a high-risk flood zone , finalizing the mortgage transaction may require purchasing a separate flood insurance policy .
Sewer Backups
Coverage for sewer backups is typically not included in the standard insurance policy . When the drainage system is overloaded by massive volumes of water , sewage backups are likely to occur . When flood water rise above the basement drains , water is then pushed into
Most endorsements for sewage backup are relatively inexpensive . The policyholder chooses from specific amounts of coverage designated for mitigating the damage and cleaning up after the backup , cleaning ducts and replacing carpets , drywall and personal
SUPER RESTORATION SERVICE CO . | 1701 NW 87TH AVE # 200 | MIAMI , FL 33172 8