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Fire & Water - Cleanup & Restoration

Insurance coverage

6/27/2022 (Permalink)

During a major storm event your home may be affected with water damage. Checking with your insurance carrier may be a good idea to make sure you are adequately covered. Insurance companies will not always cover a water loss. How they determine coverage is usually based on what the source of water intrusion was. During a storm event what we, SERVPRO of Novi/Commerce South and Bloomfield see the most frequent are as follows:

  • Drain back ups
  • Sump pump failures
  • Foundation leaks

If water enters through your foundation, or outside water coming in, your insurance company may not cover the loss. If your sump pump fails or drains back up you will be covered up to a certain amount. The coverage amount will be determined based on the endorsement on your policy. SERVPRO of Novi/Commerce South and Bloomfield recommend contacting your agent to make sure you are properly insured. 

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