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Water Sinkhole Damage

Water Sinkhole Damage

Sinkhole damage is very common in your home, usually these failures are caused by depression of the soil in a circular shape, they are considered a very common phenomenon in homes.

They can be easy or difficult to detect, the signs of damage are mostly visible and can be mitigated in time so that there is no major breakdown.

In this article we will teach you how to recognize water sinkhole damage in a practical and simple way.

Let’s get started!

What will you find here?

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Main signs of water sinkhole damage
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How to recognize a sinkhole?
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Soil depressions due to sinkhole damage
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Why does this happen?
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How do you detect sinkhole damage on the inside?

Main signs of water sinkhole damage

  • Cracks on the exterior or interior of the home’s walls: they can lead to the formation of a sinkhole if repairs are not made in time. Damage begins to be created because a water filter is created inside the structure and all of the wall material crumbles from the inside.
  • When sinkholes are out in the open, roads and highways can collapse and sink into the ground, this poses a great danger to drivers and the roadway.

How to recognize a sinkhole?

A sinkhole is defined as a kind of hole in the earth’s surface covered by water.  It is usually caused by erosion or dissolution of the limestone layer below the earth’s surface.

This damage can occur anywhere, but is most common in acidic soils.

Over time, these acids in the soil erode the limestone, causing it to sink and pull down the topsoil.

Sinkholes are generally difficult to reverse; the only way they can be minimized is if they are small and quickly detected.

Many insurance companies offer coverage for sinkhole damage, but mitigating the damage early reduces the risk of loss, so our public adjusters at Let Us Claim can help you with the claims process in the event of sinkhole damage to your home.

Soil depressions due to sinkhole damage

As mentioned above, sinkholes are one of the main signs of damage caused by water sinkholes.

When a sinkhole is created, the pools of water take the form of a circular pond that accumulates water, although as we know it is common to see “sinkholes” it is best to investigate thoroughly how it was created to find out a possible damage.

A characteristic of sinkholes is that when they have greater depth is that vegetation and plants begin to wither on the surface.

Why does this happen?

Because the same sinkhole damage pushes the moisture down that it created with the accumulation of water.

This is why there are deep wells that are considered sinkholes because of the amount of water they accumulate and erode inside the well.

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How do you detect sinkhole damage on the inside?

  • In addition to cracks in the wall, you may encounter sloping floors.
  • Debris in the water you use for bathing or washing.
  • Typical depressions in your yard or nearby areas is a sign of sinkhole damage.
  • The interior of the home is also affected, in the case of closets they tend to disarticulate, it is advisable to perform a periodic review of these spaces in your home.
  • Excessive separation between ceilings and walls, as mentioned earlier in this article, is a sign of a water sinkhole caused by erosion between wall components mixed with water.
  • Ladder cracks are another red flag for you to file a claim with your homeowner’s insurance company for sinkhole damage.
  • If you have dead vegetation in your yard, it may also be a sign that a sinkhole is present.
  • The importance of verifying all these signs is because you can avoid a sinkhole in the affected area, which in the future may be irreparable.

Our public adjusters will always be happy to perform a free inspection of your home and accompany you through every step of your claim process to make it a success.

Home fire insurance

Home fire insurance

Home fire insurance is one of the coverages that are always included in your insurance policy, but it is important that you have concrete details about it, you have to take into account if it is mandatory or how much it implies to have it.

In this article we are going to provide you with detailed information on how this type of coverage works and what fire damages it covers, in case of fire damage in your home.

What will you find here?

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Does my home insurance policy cover fire damage?
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What types of fire damage does my insurance policy cover?
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What about my valuables are also covered by the fire damage insurance policy?
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Is the home insurance policy effective in all fire cases?
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What to do after a fire in my home?

 

 

Does my home insurance policy cover fire damage?

In most cases it is mandatory for homeowners to take out a homeowner’s insurance policy with fire damage coverage, which covers the entire structure of your home. The only exception for the coverage to be extended to the ground or the exterior of the home is in the case of: explosions, sudden fires or extreme weather incidents (flood, earthquake, storm).

It is important that you keep in mind that it is mandatory to contract this type of insurance so that in extreme cases or fire damage you can make the pertinent claim to your company, with the support of one of our Let Us Claim public adjusters, and thus alleviate the burden of an arduous process.

What types of fire damage does my insurance policy cover?

When fire damage insurance is included in your policy, you become entitled to compensation when fire damage occurs, provided that the loss was unintentional.

This is a law that is present in the contract of your policy, there the company will specify in which cases the fire damage coverage does not apply:

Fire caused intentionally with the purpose of causing damage.
Fire caused by negligence of the owner or third parties for which the insured is responsible.

What about my valuables are also covered by the fire damage insurance policy?

No, valuables inside the home (jewelry, works of art, technological devices, etc.) must be covered by a different insurance policy, which is optionally added to the homeowner’s insurance to cover property damage.

Each insured person is free to estimate the value of the objects he/she wishes to be covered by the insurance and to choose the amount of compensation he/she wishes to receive in case of damage. This is a kind of “amount to be paid” in the homeowner’s policy. Our public adjusters at Let Us Claim will help you determine these types of additions to your home insurance policy and how to make a claim correctly, without so much confusion.

Insurance companies take into account the protection mechanisms or surveillance equipment you install in your home for fire damage in order to calculate the price of home insurance and valuables.

Is the home insurance policy effective in all fire cases?

As we have already mentioned before, those cases that have not been intentional will be insured. The insurance company will not cover fire damage caused by the insured party intentionally or due to gross negligence. It is very important to bear in mind that this clause is fundamental to avoid that the insured party himself may set fire to his home in order to receive compensation.

Before contracting the insurance, it is necessary to give a detailed reading to the clause on fire that it contains, because it is very fundamental that it includes the damage by fire or explosion, for that, if you already contracted an insurance company and you do not know which are its clauses, the public adjusters of Let Us Claim will help you to break down each one of them so that you have clear what type of home coverage you have and what damages it covers.

Check thoroughly if the fire damage insurance covers the real estate of the home related to fire, dust and smoke, also the most advisable is to check if the warranty proposed by the insurance company includes coverage for damage to electrical appliances.

For the rest of the damages, the insurance company will indemnify the damages produced by the fire when these have originated suddenly or have been caused by third parties intentionally.

What to do after a fire in my home?

If you suffered a fire or explosion in your home, you have 5 working days to notify the insurer of the loss. It is very necessary not to touch anything and leave the burned objects as they are. If necessary, make a photographic record of the fire damage and note down the objects that disappeared during the fire (as long as they are accredited by the insured party).

All these steps or tips are useful for the insurance company to calculate the indemnity.

The coverage of fire damage is one of the most important when you contract the insurance of your home, the name it carries is: multi-risk home insurance, but, as well as these, there are other essential coverages for the home such as: Civil liability insurance, damages to third parties and guarantee of theft to compensate for the damages produced by the same.

Home insurance policies have different functions and not all of them have the same coverages, but we can deal with that later in another article.