You might have homeowners insurance in Sioux Falls — but just how good is your coverage?
Not all homeowners insurance policies are the same. Even if you think you’ve got a decent policy, it might not offer complete coverage for disaster restoration.
At INTEK, we’ve seen too many homeowners experience the devastation of fire or water damage in Sioux Falls — only to become even more devastated by learning that their insurance doesn’t even cover the repairs.
We hope you never have to deal with a home disaster, but it’s always best to be prepared. Make sure your homeowners insurance policy covers any disaster restoration services you may need.
The following lists should help you understand what’s typically included in homeowners insurance (and what’s not) — but it’s not comprehensive. You should contact your own insurance agent to learn exactly what types of damage your personal policy covers.
What’s Typically Covered by Homeowners Insurance
- Water damage from inside the home (e.g. burst pipe)
- Sudden water damage from a storm
- Mold damage from a covered peril (e.g. storm or natural disaster)
- Damage from lightning or an accidental fire
- Damage from a windstorm or hail
- Damage caused by vehicles or aircraft
- Vandalism and theft
What’s Typically Not Covered by Homeowners Insurance
- Damage from a flood
- Damage from an earthquake or sinkhole
- Gradual water damage (e.g. damage from a long-term leak)
- Mold damage from a gradual leak
- Damage from a sump pump or sewage backup
- Termite, insect, bird, or rodent infestations
- Maintenance issues (e.g. rust, rot, and general wear and tear)
- Damage from war, terrorism, nuclear hazards, or identity theft
Be sure to discuss all your coverage options with your insurance agent. Often, additional protection can be purchased at a small price. Trust us — if you’re even the slightest bit worried about disaster restoration, the peace of mind will be worth it!
If damage does occur, you’ll want to make the most of your insurance coverage. At INTEK, we work with insurance companies all the time. We’re familiar with the guidelines and can expedite claims for restoration work.
