In general, the words homeowners insurance automatically makes you assume that it covers only the things in your home. However, the truth is that home insurance is going to cover you for more things than you could guess, even if it has absolutely nothing to do with you being at home sometimes. In this list today I am going to cover the top ten things that a homeowners insurance policy covers that you probably didn’t know it did. [ Flood Doctor Water Damage Restoration ]1. Counterfeit Money   I am not sure if you have ever experienced the embarrassment of being told that your money is fake when you attempt to pay for something. However, I can assure you that it isn’t a good feeling.   You feel embarrassed, and some people will even start to treat you like a criminal. But fear not, your home insurance may cover that. You should check your policy specifics to see under which policy provision counterfeit money is covered and how much of it your policy will cover.   2. Kidnap & Ransoms   If you are a movie fanatic like me then I am sure you have seen the movie Ransom, it’s probably one of my favorite movies. The truth is, however, that none of us know what we would do in that situation or how our family would react to us being kidnapped. Fortunately, your homeowner’s insurance may cover your ransom up to a certain amount to assist with getting you back home safely. It isn’t something you want ever to happen, but it’s great to know there is some help if it does.   3. Identity Theft   Have you ever looked at your credit report and noticed that you had a credit card or new home that you didn’t know existed? Ever received a phone bill in the mail for a phone you don’t own. More than likely, your Identity has been stolen, and you might not be prepared for the time and emotional rollercoaster that is to come when you try to fix it. Your homeowner’s insurance considers your identity as personal property and may cover you for it, so learn how your policy works and how it may cover you.   4. Mortgage Payment Protection   If your home is destroyed by a covered loss, like heavy snow, hurricanes, or a meteorite falling from the sky. The mortgage company is still expecting their monthly payment to come through.   Paying for anything that you aren’t using is always a bummer, but could you imagine the nerve of a mortgage company looking for payment when they know you just lost the complete use of your home? Well, the truth is that you actually still owe them for the loan. But don’t worry, your home insurance coverage has a clause called “loss of use,” and that will cover your mortgage payments.   5. Court Settlements   Let’s face it; you aren’t going to win everything in life. Most of us are surprised when we win anything, but on the off chance that you lose a lawsuit filed by your neighbor or your ex-best friend, your homeowner’s has you covered. Your policy has a liability clause that will cover your court costs as well as money for your attorney or any settlements you have to pay. It’s best to read your policy to understand its limits.   6. Spoiled Food   If you have ever thrown out spoiled food because of a power outage, then this is going to drive you crazy. You could have been reimbursed for that food if it became spoiled due to a covered loss. Did a tree fall and knock out your power? Did a storm knock out your power? Since those are types of covered loss, and the food is considered personal property, it is covered by your homeowner’s insurance. So, before you throw out your spoiled food, take pictures of it, even if it stinks. You probably can be reimbursed.   7. Tenant Rent   Owning a duplex seems like it would be fun.   I mean, you get to live rent free because the tenant in the other unit is paying for both your mortgages. What happens if neither you or your tenant can occupy your home due to a covered loss? Well, your loss of use provision kicks in again, and they will pay you (up to a certain amount) the loss of income from your tenant. As always, check your policy specifics.   8. Student Property (On Campus)   More than 40% of students live on campus.   If you are one of that 40%, then be happy to know that your parent’s homeowner's insurance has you covered if your property is stolen, lost or broken. If you are a parent, you can rest assured that your homeowners' insurance is traveling with your student to protect you and them for a covered loss of personal property. Most people would never think to reach out to their home insurance for a case like this, but, it’s probably covered so start reaching out.   9. Parents Property (Assisted Living)   If you are financially responsible for your parent and they live in an assisted living property, then, just like for your student, your homeowner’s policy will cover them. If they lose something, have something stolen, or it’s broken by a covered loss, your home insurance policy will cover the item. Our parents are significant to us, and the last thing we want to do is hear something they cherished was lost or stolen so knowing that they are protected is always great to hear. Read your policy specifics for how your policy will work.   10. Crime Scene Cleanup   I can’t imagine coming home to a crime scene.   We all have our favorite episode of CSI, Dexter, or Criminal Minds, but in reality, I am sure none of us could actually stomach a crime scene and definitely wouldn’t be able to clean it up. Whatever the crime scene is, your homeowners will help you with covering the cost to have it cleaned up. If this happened in your home either to you or your loved ones, the last thing you want to do is have to clean it up. Check your policy for all of the details. Has your Sump-Pump Failed? Read this...

We know that stress levels skyrocket after any home disaster, especially in the case of water damage with its potentially lingering effects. That's why we put all the information you need to know together with these water damage insurance claim tips, so you can keep stress to a minimum if the unthinkable does happen. How to File a Water Damage Insurance Claim If you're standing ankle-deep in a flooded basement, take a deep breath and remember that you have a plan. The first two calls to make after a water damage event are to your insurance agency or representative and to a Water Damage Restoration Company, If you live in the Washington DC metro area, give Flood Doctor a call. We are the highest ranked water damage restoration company in the area. With over 20 years of experience, no matter how big or small your flood damage, we have the manpower and expertise to handle it.If you do not live in the Washington DC metro area, do your research before hiring a water damage restoration company. Often the ones who advertise the most and you might have heard of are not the ideal company to go with. Without naming any names, most national water damage restoration companies have deals with insurance companies. They do the job as "cost efficiently"  as possible, and in return, the insurance companies keep sending customers their way. What does this mean for a homeowner? It means that if they work for the insurance company and not you. If they can save them money by keeping water damaged carpet that should be replaced, they will do that. If they have to replace a wall in your home, they won't paint the rest of the walls to match. Knowing full well that insurance companies would cover that. A good place to start looking for a reputable company is the Institue of Cleaning, Inspection and Restoration Association (IICRC)."The IICRC is a certification and Standards Developing Organization (SDO) non-profit organization for the inspection, cleaning and restoration industries. In partnership with regional and international trade associates, the IICRC serves more than 25 countries with offices in the United States, Canada, United Kingdom, Australia, New Zealand and Japan."After you've made those calls, there are a few more steps to get your water damage insurance claim resolved:Review your homeowners or renters insurance policy. Your insurance company or agent can provide a copy if the original is missing or damaged. The declarations page has important information regarding your policy's water damage coverage, deductibles, limitations or exclusions. It also should list any claim filing deadlines. Take photos and/or video of the damage before any cleanup or restoration begins. If you remove items from the water damaged area, don't throw anything away until your claims adjuster has done an inspection. If mold is a concern feel free to put them outside. No adjuster expects you to keep contents covered in mold. Work with professionals like Flood Doctor for damage assessment, cleanup, and restoration. A professional company can quickly perform complete water extraction and drying, pack-out services, board-up and full mold remediation as needed. Gather the necessary information needed to file a water damage insurance claim. This information may include, but isn't limited to:Date of loss Location of damage Contact information for the property owner Your personal contact information, if you're not the property owner Receipts for all cleanup, repairs and other related costs Receipts for lodging and meals if you had to leave your home before or during cleanup and repair Complete list of all damaged items and building materialsKeep detailed records or a log of each person you speak with at the insurance company. This log should include the date and time of the call, the representative's name and a brief description of your conversation. Keep a copy of every written communication with the insurance company, including a file for digital communication like emails.Flood Damage The average homeowners insurance policy doesn't cover floods that originate from the outside on the home. If the water comes into your home from outside rain, or an outside drain back up you need Flood Insurance. However, if the water originates within your home, water damage caused by a broken pipe, sewer backup or failed drainage lines, or even if your sump-pump stops working and backs up into the basement; a typical homeowners insurance policy will cover that.It's important to know exactly what your homeowner's insurance policy does and doesn't cover regarding water damage, so always check your policy first. Any type of water damage event is stressful. Let the experts at Flood Doctor help you get through the process without headache or hassle. From water extraction to the restoration of your artwork, books and important documents, our professional teams can help you get through the crisis and get back your life. ...