Your Insurance May Cover Flood & Mudslide Damage

True Story: “My Insurance Initially Denied My Claim” 

One of our clients recently posted a review of SOS Solutions’ services on Google as a testimonial:

“SOS Solutions were very helpful, they were with us every step of the way. Graciously they helped our tenants in getting money from his insurance and we were able to process a claim after the insurance said it was not covered. Thank you SOS.”  ~ Hanan W.

Many people do not realize that Homeowners and Renters Insurance Policies usually do not cover flood or mudslide damage. These policies exclude coverage for water which seeps through walls, flooding and mudslide. However, these can cause extensive and costly damage to walls, flooring, cabinets and personal property.

For the average person, attempting to clean this type of damage on their own can be daunting. Removing mud, water and properly drying a home to ensure mold doesn’t grow inside the walls should be done by professional water restoration contractors that specialize in doing this type of work. After the mud is removed, interior wall and flooring materials, insulation, and cabinets must also be discarded and drying equipment placed to dry out the home before repairs can begin.

Many people, in reporting their claim to their insurance company and explaining what happened, use words that often are a contributing factor to their claim being denied. The initial cause of what first started the flow of water that floods a home or causes mud to enter a home will determine whether the claim is covered or not. It is important that your insurance company  properly investigate what caused the damage before they either deny or afford coverage for your damage.