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Fire & Water - Cleanup & Restoration

Water damage & Insurance

8/5/2019 (Permalink)

Why was coverage denied?

Find out if coverage would have been available to you for this kind of damage through an endorsement. You have a right to know what is covered (or could be available) on your insurance for future reference. You may also want to figure out why you did not have it. If it is available elsewhere, consider changing your company for the future.

If you are convinced that your coverage should have applied, or that something is wrong, then you should consider getting a second opinion by a licensed professional or consumer advocacy organization that is familiar with insurance in your region.

Your insurance company may also have an ombudsman that can help review your file. You can also contact your state insurance commissioner for guidance or to file a complaint.

How to avoid having a water damage claim denied

  • Maintain records of repairs and the professionals you have hired over the years to do maintenance. This may become very important in the event of a loss, and is good practice to keep as a homeowner.
  • Make sure you understand all the coverages on your policy, and have a good understanding of the exclusions, as well as your responsibilities as a homeowner.
  • Do regular maintenance of your home every spring and fall to avoid surprises. Small repairs regularly will avoid large expenses.
  • Make sure you purchase the best insurance for your needs, and inquire about extra coverages you can add that may be useful to you.


SERVPRO of Grand Prairie is here for all of your mitigation needs.

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