Even in the disaster restoration business, it is our hope that you, the homeowner, will be fortunate enough to never have to use your homeowners insurance. The mitigation of any in-home disaster, whether it be smoke damage, fire damage, water damage, or vandalism clean-up, is a trying and stressful time for any homeowner— whether the affected area is one room, or your entire home, the fact that it is your home makes none of these jobs small. Your home is one of the most important investments you can make, and ServiceMaster Minneapolis deals with these types of mitigation projects on a daily basis.
One of the most common issues any disaster restoration company will encounter in mitigating a loss, is a lack of coverage. One of the biggest items missed when insurance is purchased is the sewer and sump pump rider. This is typically not included in the basic homeowners insurance. It can be typically added-on for $5-$20 per month. Sewer losses and sump pump losses are two of the more common water damage losses we receive. In particular, due to the concerns with contamination, sewer damage can be quite costly to mitigate properly.
Knowing exactly how your home is covered, the exact specifics of your homeowners policy, is very important. Most insurance agents will be happy to meet yearly and go over your policy with you. And when purchasing a home, and deciding on a policy, know that there isn’t necessarily a right or a wrong choice. Simply, what fits you best. But spend the time. Do the research. Know exactly how you are covered.
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