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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
Your homeowners insurance should have coverage for certain instances, but every policy differs. Ideally, you should carefully review your initial policy before accepting it to make sure that includes at least some form of basic protection from these types of damages.
The amount of water, mold, and fire damage coverage your homeowners insurance policy offers will depend on everything from which policy you pick out to which insurer you choose. Pay close attention to how much water, mold, and fire damage coverage you have when you sign up for a policy in the first place. Adjust your policy accordingly to ensure your home is well-protected.
Filing a homeowners insurance claim after suffering fire, water, or mold damage in your home begins with you contacting your insurer to start the claims process. You can ask questions like, “Does my homeowners insurance policy cover mold, fire, and/or water damage?” You should also get in touch with a professional restoration company like Onsite Pro Restoration that has extensive experience working closely with your homeowners insurance company.
