Before paying out of pocket for any interior repair services, it is wise to make sure your issues are not covered under an insurance policy, or home warranty contract.
Roof leaks or basement flooding that lead to interior damages to your home are in most cases covered by your home owners insurance policy. Even if a toilet overflows and causes damages, this may be covered. Based on your deductible, and the cost of the repairs, you can determine what makes the most financial sense. We have extensive experience dealing with adjusters. You pay good money for your insurance, use it when you can.
A home insurance policy covers any accidental damage to your home and belongings due to theft, storms, fires, and some natural disasters. There are four primary areas covered under the policy: the interior and exterior of your home, personal property in case of theft, loss or damage, and general liability that can arise when a person is injured while on your property.
Home Warranty Services
Home warranty contracts are very similar to insurance. While both are great protections to have, home insurance and home warranties offer different types of protection. Home warranty policies will typically only cover damages, if they were the direct result of a failing component.
A home warranty is a service contract that provides for repair or replacement of your system components and appliances that fail due to age and standard wear and tear. For instance, components of your HVAC, electrical, and plumbing, kitchen appliances and washer/dryer are all typically covered under this warranty. You can also cover larger systems like your pool and spa.
A home warranty is purely elective (unlike insurance), but it’s a smart purchase. Appliance and system combo plans can be purchased for around $75 per month, with add-on coverage for items like an additional refrigerator or pool system available for extra costs.