When it comes to routine carpet cleaning, San Mateo homeowners typically call their local carpet cleaning company and pay the bill upon completion. However, what happens when the carpet must be cleaned as part of a water damage repair? Will your homeowners insurance cover it?
Homeowners insurance often pays for carpet cleaning that is required due to a covered loss such as a burst pipe in the home or a bathtub overflow. However, insurance is complicated and not all water damage is covered.
The first issue has to do with the nature of the flood event. Typical homeowners insurance policies cover water damage from unexpected or accidental overflows and burst water pipes, but they don’t cover water damage from natural flooding or negligence. For example, if you do not have a separate National Flood Insurance policy and a river overflows its banks and floods your San Mateo home, then it’s doubtful that your carpets will be covered by your standard insurance policy. While natural flooding is usually specifically excluded from coverage, water damage that results from a storm is often covered. For example, if high winds blow out your home’s windows and driving rain then causes water damage, that damage would likely be covered.
Failure to perform routine maintenance is also an issue that can affect whether or not a water damage repair claim will be covered. For instance, if you have failed to maintain your home’s pipes in a reasonable manner and they burst as a result of your ongoing neglect, the insurance company may deny your claim.
Another issue involves the amount of your deductible in relation to the total cost of the water damage repair. While water damage tends to be costly, if the total bill comes in under your deductible amount, then the insurance company won’t be involved at all. For example, if you have a $500 deductible and the cost to repair a burst pipe and clean the carpet comes in at $300, you will be responsible for paying the repair and cleaning bills.