Does Your Insurance Covered Water Damage?

By Author: Jassica Joseph
Total Articles: 2
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They say that time heals every wound, but no amount of time has power to heal the consequences of water damage! Water damage is a common problem that has been threatening majority of the property owners dwelling in several cities of USA and Canada since time immemorial.
Natural calamities like heavy rainfall, snowfall and melting of snow are seldom responsible for the cause of water damage. While the other mundane possibilities include: clogged toilets, broken pipes, leaky dishwashers or broken dishwasher hoses, dripping taps, overflowing bath-tubs, plumbing leaks, foundational cracks etc.

Water damage can be catastrophic for your beautiful abode, leading to the loss of thousands of dollars because during the time of water damage, there is much to do beyond just drying up the water. A number of expensive & luxurious home appliances, wooden furniture, electronic goods and household items get affected & damaged which require either repair or replacement. Post-water damage, the restoration process of these home appliance repair & service varies depending on the intensity of water damage caused. ...
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Water damage takes a toll on health too, by heightening the risk of mold growth. The swampy, damp spaces promote growth of mold, fungi and other microbes. These unwanted organisms produce spores that pollute the air and can prove to be hazardous for long-term health. Exposure to these often proves to be allergic & fatal especially for children and people with compromised immune system.

Effects of water damage on resale value of an abode and its appearance is also well documented. Even after you get a restoration process done, the consequences of water damage continue to linger leaving their foot-prints behind on your beautiful edifice. Those structural damage, discolored walls and sagging ceilings effortlessly drive down your property value.

Feeling un-wearied because you have a home insurance that covers water damage? It’s time to wake up and become aware that the standard homeowner’s insurance policy covers only sudden & accidental internal water damage. It does not cover water damaged caused by negligence or lack of maintenance. Water damage is like those guests who turn up when you expect them the least, but unfortunately the unexpected water damage caused due to an unresolved maintenance issue, such as broken pipe, a dripping tap or a leaky faucet is never a part of the home insurance policy! Hence the moral of the story says that indifference and negligence to water damage cause more devastation than the monster itself called ‘water damage’.
Let’s say the damage is covered by insurance. The question which needs to be addressed is that of Cost-Benefit in terms of using the coverage provided. All insurance policies have a deductible that needs to be paid by the homeowner. In addition to that, you should give some consideration to the increase in your premiums. The insurance company has the required information that you and your home carry higher risk. Higher risk means higher premiums. Sounds like a ‘No Win’ proposition? It could be.

Be a smart house-owner, say yes to the smart technologies brought to you by HWisel and get your hands washed away from a lot of unwanted & untold troubles caused due to water damage. Why repair and repent when you can easily prepare and prevent your work-of-art abode! Ponder over! Remember that “An ounce of prevention is worth a pound of cure.”

Blessed with the boon of technology, HWisel offers smart home sensors which can be placed all over your house to efficiently monitor the water leaks. It’s predicted that by 2023, i.e. in just 4 years, there will be over 1 billion smart home devices in the US alone. The average homeowner will spend $725 on such devices to make their lives more convenient, protect their property, and save thousands of dollars in expenses. Stay ahead of time, shield your beautiful mansion with our range of relatively budget-friendly and readily available, technologically advanced smart-home devices which have the potential to protect your property and prevent your dollars of expenses. Built on the premise of technological conveniences, HWisel’s appliance service app is unmatchable in performance and is smart-home ready! Depending on your budget and installation requirements our professionals will provide customized offerings.

Happy browsing folks!