If your home was hit by snow, hail or rain at the time, it’s important to understand what type of coverage you have from your insurance.
It’s logical to think that if someone is insured they’ll get the help they need to recover from damage after a storm like this, but it’s times like these that many people find that their fonts weren’t watertight.
The images are hard to believe, the accumulation of water left by this winter storm, which has continued to fall in many places, has caused terrible damage to hundreds of houses, and many people, who have a home insurance, you think you are protected.
“In reality, we’ve never used it for this type of flood, but I think we have full coverage in the insurance we have,” said Elvia González, who has home insurance.
The reality is that it depends on the coverage you have, as one insurance expert explained to us, for example, if you have home insurance and your house was flooded due to excessive rain, it doesn’t will only cover you if the water has entered from above.
“If it enters through the roof, it’s usually covered, as long as your roof is in good condition, so if it enters through doors or the floor, it won’t be covered,” said Enrique Borja, a police officer. ‘assurance.
“If it is a drain because it has rained a lot, or the mud is coming from the mountains, or there is no proper drainage around the house, and the water enters your home, it can affect that and it won’t be covered,” Borja said.
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So what kind of insurance would help those who suffered damage from the storm?
“Flood insurance is when water rises from the ground,” he added.
He added that flood insurance generally covers damage caused by waterlogging the ground around a home, including landslides or river overflows, for example. Undoubtedly, each case is different, and precisely for this reason, if your house has damage or could have it, it is best to call the insurance company and file a claim as soon as possible, said Borja.
It’s also important to try to get a contractor to come in and give you a repair quote and figure out what your deductible is, Borja added.
And for those renting your home or apartment, it’s important to understand that the landlord would only be liable for damage to the structure, not your personal property, unless you have tenant insurance.
Documenting your damage is also important right now, so start taking photos and videos of anything that’s been affected, and don’t forget to keep all your receipts if you need to replace things or buy materials to protect your property, as this will be necessary for your insurance to reimburse you for what is covered.