Dealing with serious flood damage at home is not the end of the world. And most importantly, it does not have to cost you an arm and a leg to get your home back into living condition again. In fact, you may find (like I did) that recovering from a flood gives you an opportunity to improve the look and feel of your home overall, and even to implement design options that increase the value of your property. I spent about a year fixing up my place after a pipe exploded while I was on vacation, and literally ruined everything inside from the flooring and walls, to my photos and important paperwork. So, I figured I could help others "pick up the pieces" and create a bigger ad better lifestyle at home by turning a flood situation into an opportunity, instead of dealing with it like a crisis.
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If you're the owner of a home, it's important for you to understand that your homeowner's insurance isn't the only protection you need. This is particularly true when it comes to your foundation. Whether or not a problem with your foundation will be covered by your insurance policy depends on a number of factors, including the source of the damage and whether or not you, as the owner of the property, took measures to prevent it.
What's Not Covered
While coverage options vary greatly from policy to policy, here are a couple of the common problems that are typically not covered by an insurance policy.
Earth movement - Mud slides, earthquakes and other earth movements put the jeopardy of your home's foundation at risk by causing the foundation to shift. When the foundation shifts, this doesn't just cause the foundation to crack, but it places the structural integrity of your home at risk.
Water damage – Depending on the source of the water, water damage is generally not covered, such as a flood. A flood can put extra pressure on your foundation walls, causing them to cave.
Poor maintenance – Failing to have your foundation inspected for cracks regularly and planting tree with large roots near your home are just a couple of the maintenance related problems that can cause your claim to be denied.
What You Need to Do
The greatest protection tool you have is taking the condition of your foundation in to your own hands. While you can't avoid disasters like earth movement and floods, you can put foundation maintenance in your own hands. Make it a point to have your foundation inspected by a professional at least once a year. A foundation contractor won't just help you spot any existing problems, but also help you deter potential problems.
Take a large tree root for example. Planting a tree with large roots doesn't just come with the risk of the root growing into your foundation, but the roots will also soak up all the moisture in the ground near the foundation This will cause the ground to become very dry and increase the risk of cracking. Foundation contractors ensure your foundation is in good condition. In the event that your home suffers from damage, you won't have to worry that your failure to properly maintain your foundation is the source of the problem.
Make certain you are doing your part to keep your foundation in good condition. This won't just help you preserve the integrity of your home, but in the event you need to make a valid homeowners insurance claim concerning your foundation, you can greatly reduce the risk of a denial.
For more information, contact Safe-Guard Waterproofing or a similar company.
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