Storm & Flood Damage Insurance Documentation
Insurance coverage depends on how the damage occurred, the policy language, applicable endorsements, exclusions, and the insurance carrier’s determination. Wind-driven rain, roof damage, plumbing failures, and surface flooding may be treated differently under an insurance policy.
Surface flooding is commonly handled differently from water entering because of a covered building or plumbing loss. Property owners should review their policies and speak with their insurance carrier or agent about the specific source of the damage.
Ethos Restoration does not determine insurance coverage. Depending on the project, restoration documentation may include photographs, affected-area information, moisture readings, equipment usage, damaged-material information, material removal, work performed, and the applicable repair scope.
If you already have a claim number and adjuster’s contact information, have those details available when you call.