Most of the time after property damage, a restoration company is needed to begin the mitigation process. Property damage can be expensive and a pain to deal with, which is why people have insurance! But does homeowners insurance cover a restoration company in RI?
That’s a very common question, especially for people worried about the price of having a restoration company in RI come out to do the mitigation after property damage.
What Does A Restoration Company Do?
A restoration company is hired by a homeowner to come out to their property after they have experienced a loss. This is called mitigation. The goal of mitigation is to get the cause of damage under control and remove anything that is causing or will cause future damage. From there, then the restoration work comes into play.
A restoration company will then enter the property to repair all the cuts, patches, and temporary fixes that have been done during the mitigation phase to match what the property looked like before any damage occurred.
Does Homeowners Insurance Cover A Restoration Company in RI For Water Damage?
Water damage is a bit tricky when it comes to getting your homeowner’s insurance company to cover the costs of a restoration company. Water damage restoration is only covered by your homeowner’s insurance company if the water damage itself is covered.
Some types of water damage that are not covered by insurance are flood damage, mold damage (if the mold came from water damage that was not covered), and gradual water damage (water damage that happens over time). If you are in a situation where you have water damage and your insurance company will not pay for the cost of restoration, it is always recommended that you pay for the restoration out of pocket instead of not repairing the water damage or attempting to do it yourself. Leaving water damage untreated can become expensive and dangerous over time.
Does Homeowners Insurance Cover A Restoration Company in RI For Fire Damage?
It is a bit clearer when it comes to getting fire damage restoration covered by insurance. A restoration company will be covered by your homeowner’s insurance if the fire is a listed peril on your policy.
How Do I Find A Restoration Company Near Me?
Fire & Smoke Damage
Wind & Storm Damage