Learn about how the different homeowner’s insurance companies operate and help.
Get Started
Service Form
Did your Los Angeles home sustain damage caused by a bad storm or even something as simple as a burst plumbing pipe? Cleaning the interior of your house and restoring it to its previous condition can be costly. Thankfully, your homeowners insurance may offer water, mold, and fire damage coverage. Onsite Pro Restoration works closely with homeowners insurance companies, including State Farm, Farmers Insurance, Liberty Mutual, Mercury Insurance, Travelers Insurance, and many others. Your policy with one of these insurers may help minimize your restoration costs.
Which Restoration Services Does Homeowners Insurance Cover?
Your specific policy will dictate which restoration services are covered, but many insurers extend homeowners insurance policies that offer water damage coverage. Certain insurance companies also deliver coverage for other restoration services to those with Los Angeles homes.
Does Homeowners Insurance Cover Mold Damage?
Everything from minor roof leaks to major basement floods might cause mold to grow in your home. Read through the terms and conditions of your policy to find out. If this type of coverage is included, your insurer should cover the cost of:
- Performing mold testing
- Carrying out mold removal
- Preventing mold from returning
Does Homeowners Insurance Cover Water Damage?
Recovering from water damage can be a long process. Ensuring the impacted areas are properly cleaned, dried, and restored. Check your insurance policy for specifics, but most should cover these situations:
- Burst pipes & plumbing failures
- Roof leaks from storm damage
- HVAC or water heater malfunctions
Does Homeowners Insurance Cover Fire Damage?
If a fire ever breaks out in your home, it will likely leave behind smoke and fire damage. Your homeowners insurance policy may enable you to handle this problem without incurring costs. With this type of coverage, your insurer will foot the bill for:
- Clearing out unpleasant odors
- Eliminating smoke and fire damage
- Conducting partial or complete home repairs
- And maybe more
Contact Us for Top-Notch Restoration Services
Are you unsure whether or not your homeowners insurance policy provides mold, fire, and water damage coverage? Onsite Pro Restoration would be happy to help you figure it out. We can also assist you with any other homeowners insurance-related questions or concerns you might have while taking advantage of our industry-leading restoration services. Call us to start the process!
Frequently Asked Questions
Usually only if the mold is a result of a sudden and accidental covered water loss (e.g., a burst pipe). Long‑term leaks, humidity, or maintenance issues are commonly excluded or capped. Review your policy’s “limited fungi, wet rot, dry rot, bacteria” endorsement.
Yes in most policies, as long as the cause is sudden and accidental. The policy typically covers mitigation (drying, demo as needed) and the repair of damaged finishes—but not the cost to fix the broken part itself (the pipe) unless your policy includes that coverage.
Not by default. Many carriers offer an optional Sewer/Drain Backup endorsement. If you have it, coverage limits can be lower than the dwelling limit. Keep invoices and photos—backup claims often require clear documentation.
No. Policies require you to take reasonable steps to protect the property from further damage. Start mitigation ASAP, document everything with photos/video, and save moisture logs and itemized invoices.
Mitigation stabilizes and dries the structure to prevent further damage (extraction, dehumidification, controlled demolition). Remediation addresses contamination (e.g., mold abatement under containment, HEPA, antimicrobial). Insurers often handle them under the same claim but may apply different limits.
If your home is uninhabitable due to a covered loss, Additional Living Expenses (ALE) may cover hotel or rental, meals over normal, and related costs—subject to policy limits and timeframes.
Date/time of loss, cause, photos/video, moisture readings, dry‑out logs, scope of work, and detailed, line‑item invoices/estimates (Xactimate or similar). Keep receipts for any ALE.