Many homeowners are shocked when their insurance companies deny them coverage for losses acquired when their basements flood unexpectedly and require cleanup. It’s important to know that whether or not your homeowner's insurance covers your basement flood depends on WHAT caused the water damage in the first place. Homeowner's insurance covers many “sudden or accidental” water damage instances that are “within” the home. However, there are several exceptions that are not protected under regular homeowner's insurance.

Water damage is a costly issue that affects many Albany homeowners especially in the spring when rain frequents the forecast. Though major pipe bursts usually incite a sense of urgency, there are other times when signs of water damage can be less apparent, or seem less dire and as result, be put off. An attempt to fix it yourself instead of getting a professional, may further delay seeking help. This is a costly mistake as without timely water damage restoration, a home can fall victim to many ills. From structural damage, to mold, unchecked water damage continues to ring up the bill all while jeopardizing the homeowners health, and potentially making the home inhabitable, and unrecoverable. 

Although mold doesn’t grow well when it’s below 40 degrees Fahrenheit, autumn temperatures in the Albany NY Capital Region still hover in the 40s and 50s. In addition, fall is characterized by moist air, minimal sunlight and fallen leaves, creating an ideal breeding ground for mold. To help protect your home this fall, we’ve put together these helpful tips.