Whether the basement of your home or business is affected by rainwater, a damaged pipe, or an electrical appliance that has malfunctioned getting immediate service is crucial. The water extraction and drying process should be started as soon as possible to prevent further complications including mold growth can begin in just 24 hours in the right conditions.
J & S Cleaning and Restoration is available 24 hours a day, 7 days a week to help in your time of need. We will arrive at your home or office in 60 minutes or less to evaluate the affected area and start the water damage restoration process. We will start by extracting the water with our truck mounted extraction units, set up equipment such as air movers and dehumidifiers to dry out the area quickly and effectively, and sanitize the area. Our goal is to return your home or office back to pre-loss condition as promptly as possible.
Most homeowners have one common question: Will insurance cover the damage in my basement caused by flood waters from a storm, surge, or heavy rains? Unfortunately, most standard homeowner’s insurance policies do not cover damage from flooding unless you have a specific flood insurance policy. Most insurance companies will only cover water that comes from the top down, such as ice dams. If the flood water rises from the bottom up its generally not covered. However, if you rely on a sump pump to keep your basement dry, most insurance companies offer sump pump failure coverage and will cover the damage as long as it results from a malfunction and is not due to lack of maintenance or upkeep.
If you have a standard home insurance policy, you should be covered for any of the following reasons.
- Damaged Pipe/Frozen Pipe
- If you are living in your home when it floods, or you can prove you have maintained your home with heat/or turned off all water systems, which is common among homeowners who go away for winter vacation or live down south during the winter months, then your insurance will cover pipes that burst from freezing.
- Electrical Appliance
- If an electrical appliance, such as a washing machine or water heater, malfunctions and floods your basement and the damage was not a result of lack of maintenance to the appliance then your insurance will cover the cost of the damage. However, they will not cover the cost of a new appliance.
- If a sink, tub, or toilet overflows and floods your basement your insurance will cover the cost of the damage. For example: If your child fills the toilet with an entire roll of toilet paper and flushes repeatedly, your insurance will cover the cost to repair the damage.
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