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How to Get Homeowners Insurance With Water Damage
Obtaining homeowners insurance with pre-existing water damage can be challenging, but it’s possible with the right approach.
Here are steps to help you secure coverage:
1. Document the Damage
First, thoroughly document the extent of the water damage. Take clear photos and videos, and gather any existing repair estimates. This evidence will be crucial when discussing your situation with insurance providers.
2. Make Necessary Repairs
Insurers are more likely to offer coverage if you demonstrate that you’re addressing the issue. Hire professionals to repair the damage and keep all receipts and documentation of the repairs. This shows insurers that the problem is resolved and reduces their risk.
3. Shop Around
Different insurance companies have varying policies regarding pre-existing damage. Shop around and get quotes from multiple insurers. Some may be more lenient or offer specialized policies for homes with previous damage. For more info on pre-existing damage go to Protect.com.
4. Consider High-Risk Insurers
Look into high-risk insurance providers who specialize in covering homes with pre-existing issues. While premiums may be higher, these companies can provide the coverage you need when traditional insurers won’t.
5. Provide Complete Disclosure
When applying for insurance, be honest about the water damage. Full disclosure is crucial as hiding information can lead to claim denials or policy cancellations in the future.
6. Get an Inspection
Have a professional home inspection done to certify that the damage has been repaired and the home is in good condition. An inspection report can reassure insurers that the problem has been effectively addressed.
Compare Top Providers And Save With Protect.com
Protect the things that matter most to you with Protect.com. Improve your chances of obtaining homeowners insurance even with prior water damage. Whether you are looking for home insurance, security, warranties or more, Protect.com can help you quickly and easily comparison shop the nation’s top providers.
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