When you discover water damage in your home, there are some imporant considerations before you call your Nebraska insurance agent. The source of the water damage, severity and type of water can all have an impact on your decision to file with your insurance company.

Emergency Water Extraction Lincoln Nebraska DryHero

Do You Have Insurance Coverage?

The first question you should ask yourself when considering filing an insurance claim on your homeowner’s policy is whether or not you have coverage for your water damage. Now, it is not possible nor is it our objective to determine if your water damage is covered by insurance. There are simply too many insurance carriers and different policies within those companies. Only your insurance agent and claims adjuster can interpret your specific policy. However, it is possible to make some broad generalizations.

PLUMBING SYSTEM DISCHARGE

Often, if the water originates from within the structure, that’s beneficial in terms of insurance claims. Water originating from the plumbing system that is “sudden” and “accidental”, that’s typically covered by most home owners insurance policies. So, occurences such as sink overflows, failed water heaters, washing machine failures, toilet overflows and the like are most often covered by homeowners insurance.

SEWAGE BACKUP

Water that originates from the waste or sewage side of the plumbing system can be a bit more tricky. For instance, many insurance policies cover a floor drain “overflow” but not a sewage backup from the municipal main line sewer. Where the blockage and resulting backup originate can effect insurance coverage.

FROZEN PIPES

Frozen water lines are usually covered by the typical homeowner’s insurance policy as long as 1) the property is “occupied”  and/or “furnished” and 2) heat was being maintained. A vacant, unoccupied home without an operating heating system may not covered.  Always inform your insurance agent when vacating a residence for more than a few weeks.  Along those lines, if you leave for vacation in December and turn off your furnace while you’re away, coverage would likely be denied because an attempt to maintain heat was not made.  Your policy likely states that you must maintain heat and if your insurance carrier has any doubts, they can and often will investigate further by asking for utility records from the period in question.

GROUND WATER

Ground water usually is not covered by insurance. If your basement floods due to heavy rains and you don’t have an operating drain tile and sump pump system, your water damage probably is not covered. If you do have a sump pump, it is not a guarantee of insurance covereage. Many basic homeowners insurance policies require you to add a “rider” to your policy for sump pump “malfunction” to be covered. If you have coverage for sump pump malfunction, the pump has to actually “malfunction”. If the pump wasn’t plugged in or it simply could not keep up with the water, you may be out of luck. Lose electrical power or the pump simply “burns up”, you are likely covered.

If you live in Nebraska and have a basement with a sump pit in it, ALWAYS have an working pump installed and ALWAYS add coverage for “sump pump malfunction”.  If you ever suffer structural water damage caused by ground water intrusion, you’ll be glad you did!

How Much Will the Water Damage Cost to Repair?

You should question your restorer: How much will it cost? If you your water damage is covered by insurance and the cost to repair the water damage is less than your deductible, you do not want to file a claim. Even a filed claim without any payout from your insurance carrier can negatively impact your insurance premiums.

If you would like us to assess your water damage before you call your insurance agent, call DryHero in Lincoln at 402-438-2379 or in Omaha at 402-592-4376. Ss our schedule allows, DryHero provides FREE water damage restoration evaluations and estimates to Lincoln Nebraska and Omaha residents.

677 thoughts on “Considerations Before Filing a Water Damage Insurance Claim

  1. Pingback: Hong Kong China
  2. Pingback: pig
  3. Pingback: le lien
  4. Pingback: nursery rhymes
  5. Pingback: kids rhymes
  6. Pingback: spider
  7. Pingback: finger family
  8. Pingback: pool removal
  9. Pingback: anime series
  10. Pingback: vpm
  11. Pingback: Marijuana Coupon
  12. Pingback: پنجره
  13. Pingback: All In One Printer
  14. Pingback: Paw Patrol
  15. Pingback: youtube kids
  16. Pingback: kids songs
  17. Pingback: Handloom
  18. Pingback: Handicraft
  19. Pingback: yalla-shoot
  20. Pingback: nursery rhymes
  21. Pingback: Hashtiv
  22. Pingback: M88 sport login
  23. Pingback: Strasbourg
  24. Pingback: vpn
  25. Pingback: maximiliano kunz
  26. Pingback: kids cartoons
  27. Pingback: W88
  28. Pingback: Polecam
  29. Pingback: Bee
  30. Pingback: superhero
  31. Pingback: slot games
  32. Pingback: KLIK
  33. Pingback: kids songs
  34. Pingback: maximiliano kunz
  35. Pingback: Car Meet
  36. Pingback: Trump
  37. Pingback: grossir le penis
  38. Pingback: peppa pig toys
  39. Pingback: kids songs
  40. Pingback: Workout
  41. Pingback: Workout
  42. Pingback: hotmoza.mobi
  43. Pingback: Acne therapy
  44. Pingback: trucks
  45. Pingback: Read More Here
  46. Pingback: Piezo Element
  47. Pingback: youtube
  48. Pingback: Erin
  49. Pingback: دانلود
  50. Pingback: the style shoes
  51. Pingback: 食品
  52. Pingback: internet business
  53. Pingback: link
  54. Pingback: game
  55. Pingback: Troy Koubek
  56. Pingback: for kids
  57. Pingback: rhymes
  58. Pingback: Emi TV Lyrics
  59. Pingback: for kids
  60. Pingback: فروش توری
  61. Pingback: Repair iPhone 7
  62. Pingback: rhymes for kids
  63. Pingback: biographie beatles
  64. Pingback: toddlers
  65. Pingback: les beatles
  66. Pingback: Drohne mit Kamera
  67. Pingback: cheap golf clubs
  68. Pingback: easy money online
  69. Pingback: Boxspringbett
  70. Pingback: rhymes for kids
  71. Pingback: Hulk
  72. Pingback: Big Super Truck
  73. Pingback: casters for chairs
  74. Pingback: chair casters
  75. Pingback: vistit my website
  76. Pingback: Muddy Puddles
  77. Pingback: miners hosting
  78. Pingback: bitcoin
  79. Pingback: wall art
  80. Pingback: challenge
  81. Pingback: Linkin park
  82. Pingback: Peppa Pig
  83. Pingback: aws online course
  84. Pingback: Pixel Gun hack
  85. Pingback: wear plates
  86. Pingback: big dog
  87. Pingback: baby finger
  88. Pingback: kids videos
  89. Pingback: Double
  90. Pingback: how to buy bitcoin
  91. Pingback: nub theory
  92. Pingback: nub theory
  93. Pingback: baby song
  94. Pingback: jumping on the bed
  95. Pingback: UK Startup Studio
  96. Pingback: ключар
  97. Pingback: new episode
  98. Pingback: agen togel
  99. Pingback: Strasbourg Alsace
  100. Pingback: 2017 cars and suvs
  101. Pingback: 2017 cars
  102. Pingback: دانلود
  103. Pingback: پنجره
  104. Pingback: پنجره
  105. Pingback: 2017 cars and suvs
  106. Pingback: gernas mall
  107. Pingback: Paha Kencang
  108. Pingback: horse t shirts
  109. Pingback: Best Holidays
  110. Pingback: Latihan Betis
  111. Pingback: music
  112. Pingback: Travelling
  113. Pingback: crochet yarn
  114. Pingback: amk pici
  115. Pingback: amk pici
  116. Pingback: adelio axelle
  117. Pingback: drugs
  118. Pingback: for children
  119. Pingback: instagram porn
  120. Pingback: grill gloves
  121. Pingback: dog clinic
  122. Pingback: Slim couture
  123. Pingback: 2 week diet plan
  124. Pingback: hqtube.mobi
  125. Pingback: Mitch McConnell
  126. Pingback: worldstar hip hop
  127. Pingback: mesin slot online
  128. Pingback: judi slot android
  129. Pingback: walmartone login
  130. Pingback: Weight Loss Blog
  131. Pingback: Weight Loss Blog
  132. Pingback: live score bola
  133. Pingback: prediksi akurat
  134. Pingback: dewajudiqq
  135. Pingback: bandar qqdomino
  136. Pingback: game gaple
  137. Pingback: Frozen Elsa
  138. Pingback: Musical Theater
  139. Pingback: walmart1 login
  140. Pingback: desert adventure
  141. Pingback: tempat aborsi
  142. Pingback: Film Bokep
  143. Pingback: private proxy
  144. Pingback: hosting pakistan
  145. Pingback: iron spindles
  146. Pingback: دانلود
  147. Pingback: download best
  148. Pingback: window
  149. Pingback: karaj
  150. Pingback: ustindianporn.com
  151. Pingback: Learn Colors
  152. Pingback: view it
  153. Pingback: peppa pig
  154. Pingback: Concursos Publicos
  155. Pingback: Learn Colors
  156. Pingback: پنجره
  157. Pingback: پنجره
  158. Pingback: juraporn.com
  159. Pingback: plumbing repair
  160. Pingback: music charts
  161. Pingback: Oferta
  162. Pingback: Learn Colors
  163. Pingback: gardening
  164. Pingback: Seo
  165. Pingback: garden
  166. Pingback: Dave
  167. Pingback: Roleplaying game
  168. Pingback: k5market
  169. Pingback: challenge
  170. Pingback: junk food
  171. Pingback: video vlog
  172. Pingback: usi tech
  173. Pingback: find your purpose
  174. Pingback: carpet marietta
  175. Pingback: EVA TV
  176. Pingback: mens hairstyles
  177. Pingback: stock quotes
  178. Pingback: stock market
  179. Pingback: gay porn
  180. Pingback: live sex cams
  181. Pingback: Tresoröffnung
  182. Pingback: trending
  183. Pingback: paranormal
  184. Pingback: karaj
  185. Pingback: steel kitchen
  186. Pingback: amcik
  187. Pingback: amcik
  188. Pingback: chips bowl
  189. Pingback: bitcoin
  190. Pingback: Pilates
  191. Pingback: download
  192. Pingback: Engine mount
  193. Pingback: window
  194. Pingback: دانلود
  195. Pingback: camera pen
  196. Pingback: camera pen
  197. Pingback: download movie
  198. Pingback: download movie
  199. Pingback: download
  200. Pingback: pornolaba.mobi
  201. Pingback: پنجره
  202. Pingback: SBOBET
  203. Pingback: antioxidant
  204. Pingback: garden bridges
  205. Pingback: پنجره
  206. Pingback: seo jacksonville
  207. Pingback: what that
  208. Pingback: Richard
  209. Pingback: patio
  210. Pingback: Internet Casino
  211. Pingback: Paw Patrol
  212. Pingback: gesund abnehmen
  213. Pingback: xxxlib.mobi
  214. Pingback: Bandar Bola
  215. Pingback: foot dr care
  216. Pingback: Zügelunternehmen
  217. Pingback: personalberatung
  218. Pingback: selling on amazon
  219. Pingback: gta hack argent
  220. Pingback: Nursery Rhymes
  221. Pingback: gta 5 generator
  222. Pingback: Superhheroes
  223. Pingback: learn
  224. Pingback: Bollywood Makeup
  225. Pingback: buy hacklink
  226. Pingback: peppa Pig
  227. Pingback: girly vape mods
  228. Pingback: vehicles for kids
  229. Pingback: cheap foamposites
  230. Pingback: best vape pen
  231. Pingback: Frozen
  232. Pingback: Elvis Presley Live
  233. Pingback: ship car overseas
  234. Pingback: Judi Online
  235. Pingback: liebelib.mobi
  236. Pingback: Togel Online
  237. Pingback: payday loans
  238. Pingback: click terminal
  239. Pingback: ship my car
  240. Pingback: usuwanie dpf
  241. Pingback: portable play yard
  242. Pingback: پنجره
  243. Pingback: Find Out More
  244. Pingback: Car seat cover
  245. Pingback: free gay porn
  246. Pingback: music
  247. Pingback: iphone porn
  248. Pingback: Car seat cover
  249. Pingback: real caller app
  250. Pingback: kashtanka.tv
  251. Pingback: she said
  252. Pingback: SkinAlley
  253. Pingback: Deal Feed
  254. Pingback: maximainvestments
  255. Pingback: Flyer distribution
  256. Pingback: porn movie
  257. Pingback: android app
  258. Pingback: game hack
  259. Pingback: Bonuses
  260. Pingback: پنجره
  261. Pingback: game free
  262. Pingback: judaporn.com
  263. Pingback: i love my1 website
  264. Pingback: boymorgaitrop
  265. Pingback: jcp stock
  266. Pingback: link
  267. Pingback: لینکدونی
  268. Pingback: Google cheat 2017
  269. Pingback: KOYPONI OPAP
  270. Pingback: Oddsmonkey
  271. Pingback: Oddsmonkey
  272. Pingback: t shirt printing
  273. Pingback: Oddsmonkey
  274. Pingback: Bandar Ceme
  275. Pingback: dust cloth
  276. Pingback: Shoulders
  277. Pingback: adam eve toys
  278. Pingback: Oddsmonkey
  279. Pingback: Oddsmonkey
  280. Pingback: Oddsmonkey
  281. Pingback: Oddsmonkey
  282. Pingback: Oddsmonkey
  283. Pingback: WalmartOne Login
  284. Pingback: SEMINAR
  285. Pingback: funnel amazon
  286. Pingback: prostara review
  287. Pingback: omega xl
  288. Pingback: نهنگ عنبر
  289. Pingback: Email
  290. Pingback: smart glass
  291. Pingback: mobile accessories
  292. Pingback: weird news
  293. Pingback: bennett
  294. Pingback: duvporn.com
  295. Pingback: Radhe Maa
  296. Pingback: a fantastic read
  297. Pingback: news abp
  298. Pingback: Crypto Coin
  299. Pingback: porno
  300. Pingback: porno
  301. Pingback: porno
  302. Pingback: porno
  303. Pingback: porno
  304. Pingback: Arvind Pandit
  305. Pingback: pornwik.com
  306. Pingback: ñìîòðåòü
  307. Pingback: pornbit.info
  308. Pingback: custom paper
  309. Pingback: analisa ihsg
  310. Pingback: Yahoo Finance
  311. Pingback: teen freeanalz com
  312. Pingback: mspy review
  313. Pingback: Peter Schatzberg
  314. Pingback: javlibrary.mobi
  315. Pingback: More xunxuz ru
  316. Pingback: Schlüsseldienst
  317. Pingback: credit ranges
  318. Pingback: sex polls
  319. Pingback: walmart1
  320. Pingback: programa de ventas
  321. Pingback: walmartone
  322. Pingback: pornframe.net
  323. Pingback: gambling
  324. Pingback: moms chips
  325. Pingback: wapus.info
  326. Pingback: buy sell hacklinks
  327. Pingback: nike iphone 6 case
  328. Pingback: hacklinks
  329. Pingback: buy google cheat
  330. Pingback: url site seowm ru
  331. Pingback: mk outlet
  332. Pingback: Web aliassporn com
  333. Pingback: vegas casinos
  334. Pingback: Progressive Quote
  335. Pingback: deals
  336. Pingback: barkbox shop
  337. Pingback: best free porn
  338. Pingback: Computers
  339. Pingback: mk bags
  340. Pingback: ceylon tea
  341. Pingback: anthony morrison
  342. Pingback: game ceme online
  343. Pingback: understanding
  344. Pingback: Love
  345. Pingback: zumtub ru
  346. Pingback: al
  347. Pingback: anthony morrison
  348. Pingback: walmartone
  349. Pingback: Boonswang SEO
  350. Pingback: 陰道保養
  351. Pingback: laundry clips
  352. Pingback: porn sites
  353. Pingback: porn sites
  354. Pingback: incest porn sites
  355. Pingback: incestu porno
  356. Pingback: 3d incest videos
  357. Pingback: mom fuck pics
  358. Pingback: spinz oi
  359. Pingback: deeeep.io beta
  360. Pingback: hd porn sites
  361. Pingback: Momson Videos3d
  362. Pingback: Mom Son Porn Toons
  363. Pingback: porno
  364. Pingback: free porn sites
  365. Pingback: poker
  366. Pingback: 123movies
  367. Pingback: crypto currency
  368. Pingback: Escorts Barcelona
  369. Pingback: top liwe
  370. Pingback: sonarcourier.net
  371. Pingback: hermesfoot.com
  372. Pingback: get bigger breast
  373. Pingback: best porn sites
  374. Pingback: texoffroad.com
  375. Pingback: keep fit
  376. Pingback: best porn site
  377. Pingback: best porn site
  378. Pingback: best free porn
  379. Pingback: پنجره
  380. Pingback: SEX
  381. Pingback: Games Kizi

Comments are closed.