3 Common Gaps in Homeowners’ Insurance Coverage
Owning homeowners’ insurance (required or not) is an obligation of every homeowner. After all, living on the edge is something many of us can’t afford when disaster strikes.
Surprisingly, flooding is not covered by many homeowners’ insurance policies. You have to review your own document to make sure. But chances are that you will be on your own in the event that your house will be submerged (fully or partially) during a devastating storm.
Apart from investing in a separate floor insurance policy, you should invest in building materials that are more resistant to moisture in order to save money on storm damage siding repair in the long run. This way, the exterior of your house will not deteriorate quickly after being under water for a lengthy period.
Speaking of moisture, excessive amounts of water in the air help pave the way for mold to multiply. Although mold remediation can effectively get rid of these potentially hazardous microscopic pests, your insurance company will probably not pay for the service.
You can explore several measures to discourage mold growth to begin with. A properly ventilated roof is one of them.
Experienced storm damage roof repair professionals will attest that many insurance carriers do not want to foot the bill for termite damage repair. Fortunately, certain building materials exist to keep these lumber eaters at bay.
Let KAT Construction LLC help you “insure” your house against common homeowners’ insurance gaps through quality restoration services. Call us at (612) 326-1122 now to schedule your free inspection in Minneapolis or St. Paul, MN.