The Ins and Outs of Making Water Damage Claims

When it comes to water-damaged furniture, cabinets or woodwork, working with restoration experts makes a huge difference.

If you’ve experienced water damage at your home or business, you probably want to get back to the way things were as safely, quickly and seamlessly as possible. And if you have a homeowner or renter insurance policy, you may be able to file a water damage claim to help cover the costs of repair and restoration of your disaster-damaged furniture, cabinets or other woodwork.

Types of Water Damage Commonly Covered by Insurance

One of the most common causes of damage to a home or business is water. And unfortunately, there’s no shortage of water sources that can wreak havoc on your property: appliances, plumbing, natural disasters, severe weather and more. Depending on the source, cause and onset, the damage suffered may be covered by your insurance.

Generally, the following damage sources are covered by a standard homeowner or renter insurance policy:

  • Damage caused by weight of snow, ice or sleet
  • Overflow from a bathtub, washing machine, dishwasher, etc.
  • Discharge from appliances (like a hot water heating system) or frozen pipes

It’s important to note that each policy is different, and some coverages are added on, excluded, or not available. Refer to your specific policy documentation for more information.

Often, other coverages can be added as entirely separate policies like flood insurance (flooding here means from a body of water), or as endorsements to your policy, like sewer backup. Sewer backup can be caused by systems inside your home, or issues found outside like aging sewers, storm runoff or tree roots causing blockage. Regardless of cause, often black water enters your home during a sewer backup, which can lead to heavy contamination and property loss.

The Difference Between Sudden and Gradual Water Damage

After identifying the damage source and insurance policy coverage, another key factor in making a successful water damage insurance claim is determining onset. Was the water issue accidental and developed suddenly? Or was it a slow, lingering issue that built up overtime?

Usually, gradual issues like leaky plumbing, seeping water through foundation or wall cracks, mold or rot, or even failing roof flashing are not covered. However, there are exceptions when sudden damage resulting from an ongoing issue may be covered. It’s best to check with your insurance agent to learn your options.

How Furniture Medic Helps with Water Damage Claims

When it comes to restoring or repairing your furniture, bathroom or kitchen cabinets, millwork, family heirlooms and more, experts from Furniture Medic can help you every step of the way. We can work [directly with your insurance company](directly with your insurance company) to get your water-impacted areas back to pre-loss condition. From the initial assessment, documentation and estimation through to project completion, your technician will communicate with you and your insurance company to make sure everyone has what they need, when they need it.

Water-Damage Restoration Services Offered by Furniture Medic

Repairs and restorations may be able to happen on-site, depending on the extent of water damage. Your Furniture Medic technician will also work with your schedule to make this process as headache-free as possible. Common repairs from water damage include:

  • Kitchen, laundry and bath cabinet repair, restoration, refinishing and resurfacing
  • Precision furniture repair
  • Structural furniture repair, including stabilization
  • Furniture restoration, including refinishing and polishing
  • Millwork, paneling, door, banister, mantle and hardwood floor restoration
  • Removal of watermarks

Find a Disaster Restoration Expert Near You

If you’ve experienced water damage at your home or business, please call 1-800-RESPOND at any time to connect with a certified Furniture Medic location near you. Or you can email us at or fill out the below form, and we will contact you.

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