Insurance Coverage for Ogden Utah Water Damage
I can understand people being careful and cautious about their water damage insurance coverage and how it works. They often times are concerned whether its a covered water damage event for insurance purposes; and then what will it cover. Water damage can spread and get worse by the hour, so collecting estimates and trying to make sense of them is not a good idea. My “customer of the week” was an water damage event in Ogden Utah and was trying to analyse estimates to see if there is something they might could do themselves. For one thing the estimate is just that; an estimate. The insurance company is not going to reimburse an expense that was not incurred. This couple shared with me that they had a water damage about a year ago. It also was a covered water damage event and was submitted to their insurance. They were reimbursed for the damages and did the work themselves. They also shared with me that they did the mitigation and repairs themselves, and when the work was all completed they were only out of pocket about $2000. That sounds like a “lose, lose” proposition. Their deductible was $500. If they did nothing themselves, called a professional service, had the home professionally dried, repaired and cleaned; their total out of pocket cost should have been $500. What a deal, they got to do everything themselves and and pay $2000 instead of $500. This couple hasn’t learned from their first $1500 mistake, it looks like they may be on their way to duplicating their mistake again.
Lesson to be learned: Don’t take on the water damage insurance process alone. You may luck out, but very often you will lose. Hire a professional. Even if the numbers on the surface seem to be OK, you may still lose. If you botch your mitigation and don’t dry some structural areas quickly enough(And you may not of even been aware they were wet to begin with.). You could lose, because the insurance company would have covered the drying services, but will probably now not cover the mold removal. You only have one chance to get a water damage mitigation right, use a professional.