Does Homeowner’s Insurance Cover Crawlspace Damage?

does insurance cover crawlspace damage

does insurance cover crawlspace damageNashville, Murfreesboro, Knoxville and Chattanooga TN

Homeowners insurance is a vital policy to protect your investment in your home. Typically, when your home suffers damage from natural causes, your homeowner’s insurance policy can help reduce your out of pocket expenses for the needed repairs. However, different insurance companies provide varying coverage, so it is crucial to know what is covered by your plan. Unfortunately, your home’s crawlspace may not be covered for water or vermin damage because of varying reasons. Fortunately, the crawlspace professionals in Nashville at Ameri Care explain the common causes of crawlspace damage and the likelihood of your insurance policy approving your claim.

Crawlspace Water Damage

Water damage in your crawlspace is usually the result of leaky pipes, water runoff, or rising underground water. Locating the source of the problem first is best, so you know the best treatment to prevent future problems. Water that seeps up through the ground or enters from ground level is often not covered by homeowner’s insurance. Individuals living in low-lying areas where groundwater easily seeps into the crawlspace may want to consider adding crawlspace flooding coverage to the insurance policy for added protection. However, leaky pipes may qualify for coverage under your policy depending if the damage was sudden or a build-up over time. The Murfreesboro crawlspace waterproofing company near you advises that slow leaks could point to a lack of care and maintenance of your home, which may cause your claim to be denied by your insurance company. Fortunately, sudden pipe bursts or plumbing malfunctions usually are covered.

Crawlspace Vermin Damage

The term vermin can include multiple animals such as raccoons, possums, squirrels, and rodents. Any animal can heavily damage your crawlspace, but only some insurance policies will cover the repairs. Most insurance companies investigate how long the critter has been in your crawlspace and if you have properly maintained or neglected necessary home maintenance. Damage caused by rodents is often not covered because rodent extermination falls within routine care. However, wild animals can enter your crawlspace and cause significant damage to your property quickly. Your insurance policy should cover acts of wild animals, but it is best to review your policy to know for sure. The experienced Nashville crawlspace professionals like to inform homeowners that an insurance policy for vermin may cover structural damage to the home but not damage to your personal property. To block the entrance to your crawlspace, adding vent covers could keep most vermin out of your home.

Crawlspace Mold Damage

Some water or moisture in your crawlspace is normal, especially after heavy rains. However, the moisture should evaporate quickly to avoid the risk of mold development. Standing water creates moisture build-up resulting in mold growth that could be hazardous to your family since it can travel through your home’s ventilation system. For family members who have asthma, allergies, or other compromised health conditions, inhaling mold spores could be deadly. Mold caused by a flood typically falls under flood insurance, which is not a part of a standard homeowner’s insurance policy. However, if mold develops due to a “covered peril,” you may have coverage for damages to your home and belongings, but the chances are slim. Since most policies do not cover mold damage from floods, continuous moisture, or preventable leaks, you should contact the friendly Nashville crawlspace experts near you for regular maintenance checks to prevent these advanced conditions. Also, ask us about our crawlspace dehumidifiers that remove moisture from your home.

Crawlspace Waterproofing in Nashville and Murfreesboro, TN

Homeowner’s insurance policies are crucial to have in the event of an emergency. Unfortunately, insurance policies have several loopholes that keep the financial burden of home repairs on the homeowner. Therefore, the crawlspace waterproofing pros in Murfreesboro recommend thoroughly reading your insurance policy so that you fully understand what insurance benefits are available for your home. Before purchasing a policy, think about your surroundings and ask if they offer additional coverage for basement or crawlspace moisture damage. If you have questions about protecting your crawlspace, feel free to call Ameri Care Services at (615) 893-7111 for help or contact us online to set up an appointment.