Experiencing a hurricane can be overwhelming, and the aftermath often involves significant clean-up efforts. Knowing what clean-up costs are covered by your insurance can help ease some of the stress. Here’s a breakdown of what you can typically expect:
1. Debris Removal
Most standard homeowners insurance policies cover the cost of removing debris from your property. This includes fallen trees, branches, and other debris that may have been scattered by the hurricane. Coverage for debris removal is often included under your dwelling coverage (Coverage A) or as an additional coverage.
2. Water Damage and Flood Clean-up
Water damage caused by wind-driven rain is usually covered under a standard homeowners policy. However, flood damage, including storm surge, typically requires a separate flood insurance policy. If you have flood insurance, it will cover the costs associated with cleaning up and repairing flood damage.
3. Mold Remediation
If water damage leads to mold growth, your homeowners insurance may cover the cost of mold remediation. This is often included if the mold is a result of a covered peril, such as a burst pipe or wind-driven rain.
4. Temporary Repairs
Insurance policies generally cover the cost of temporary repairs needed to prevent further damage. This can include boarding up broken windows, covering damaged roofs, and other immediate measures to secure your property.
5. Additional Living Expenses (ALE)
If your home is uninhabitable due to hurricane damage, your policy may cover additional living expenses. This includes costs for temporary housing, meals, and other necessary expenses while your home is being repaired.
6. Professional Cleaning Services
In some cases, your insurance may cover the cost of professional cleaning services to remove hazardous materials or contaminants brought in by the hurricane. This can include cleaning up sewage backups or hazardous debris.
7. Tree and Plant Removal
If trees or plants are damaged and pose a hazard, your policy may cover the cost of their removal. This is typically included under debris removal coverage.
Tips for a Successful Claim:
- Document Everything: Take photos and videos of the damage before you start any clean-up. This documentation will be crucial for your insurance claim.
- Keep Receipts: Save all receipts for any expenses related to clean-up and temporary repairs. These may be reimbursable under your policy.
- Contact WorldClaim Promptly: Notify us as soon as possible to start the claims process.
We can help you understand what clean-up costs are covered by your insurance to navigate the recovery process more smoothly.
WorldClaim are experts in Hurricane damage claim preparation and are in the local area ready to assist.
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If you have any questions or need further assistance, please reach out!
