Frequently Asked Minnesota Disaster Questions
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?: What kinds of damage will be covered by my insurance provider?Answer!
Each insurance provider is different, but here’s a general outline for what may or may not be covered by your provider:
- Water Damage: Water damage caused by problems such as leaky pipes and damaged roofs will usually be covered. On the other hand, water damage from overflowing rivers and other types of major flooding are generally excluded from most policies.
- Fire Damage: Practically any kind of damage from fires will be covered by most providers, regardless of the cause of the fire. They will often pay for fire and smoke residue cleanup, water extraction, contents restoration, property reconstruction, and any other cleanup services you may need.
- Storm Damage: Damages caused by ice, snow, wind, and rain will generally be covered, with the exception of flooding caused by overflowing lakes and oversaturated soil. If the wind damages your roof and water leaks into your home, that should be covered.
- Mold Growth: Every insurance provider is different, and some require you to have a separate mold growth policy. However, in other cases, mold removal services should be covered—particularly if the mold was directly caused by a covered item, such a burst pipe.
?: Will my insurance provider cover things like contents restoration and reconstruction?Answer!
It usually depends on the type of damage. If the damage is covered, then your provider should pay for every aspect of the cleanup process, from initial debris removal to reconstruction. However, if the type of damage isn’t covered—if, for example, your home floods from an overflowing lake—then you will usually have to pay for contents restoration and reconstruction