What Storm Damage Will Your Insurance Cover for Your Kokokahi Home or Business

8/23/2019 (Permalink)

Flooding damages in your home may not all be covered by your insurance. Take precautions and call your insurance to find out what damages they cover.

Take the Proper Steps to Know What Your Insurance Will Cover After a Storm

In the state of Hawaii, flooding is not uncommon. Due to our rainy season, November to March, taking up almost half a year flooding and storm damage is fairly common for local Kokokahi homes and businesses. Many residents of Hawaii find themselves stuck in financial hardship when covering the costs of flood damage. The steps many property owners forget to take are inquiring from your insurance company of their flooding coverage.

Most insurance companies do not cover flooding damage when the water runs into a home from outside. This means if any rushing or flooding water outside were to enter your home through a door, window, or crack the insurance will not cover the damages. Call and check with your insurance company to inquire what damages they will cover. In the case, your insurance will not cover these damages take comfort in knowing there are steps you can take to prevent your home from suffering from flood damages. Have your home prepared with sandbags, and a sump pump to prevent water from entering your home. Also, be sure to keep on maintenance in your home to prevent possible situations your insurance won’t cover. 

Do not look past a small leak coming from your ceiling. Keep the maintenance of your home up-kept throughout the year. Insurance companies will decline to pay for storm damages if your home has had ongoing issues you did not take care of that cause damage to your home or business.

Check with your property and contact your insurance company to make certain you are prepared and aware of what needs to be done if your property is in danger of flooding.

If you have been hit by a storm call SERVPRO at (808)235-5015. We specialize in restoration and reconstruction services for fire damage, mold, and storms. Call today for an inspection.