Water Damage Insurance Coverage: Understanding whether the type of water damage is covered or not

Your homeowner insurance gives you and your property protection caused by several culprits, such as severe weather and unexpected disasters. For most incidents, it is easy to understand which of these situations are covered by your insurance company. However, when it comes to water damage, it becomes complicated. There are many factors involved in determining whether this source of water damage is covered or not. As a homeowner, it is important that you understand what is covered by the insurance company. Let us walk you through what type of water damage can be covered or not.

What Are Some Of The Sources Of Water Damage?

Water damage can happen any time, even without the presence of severe weather. As a homeowner, it is vital that you know what causes water damage in your home because not all sources of water damage can be covered in your insurance policy. Thus, it is your responsibility to prevent your home from being damaged by water. Let us refresh your memory of some of the sources of water damage.

  •    Severe weather such as thunderstorms or excessive rain
  •    Sewer backup from the municipal water system
  •    Water seepage into your home (burst pipes, cracked walls, leaking roof)
  •    Overland flooding

So, What is Really Covered By My Insurance Company?

This is now an important question for a homeowner.

Unfortunately, not all types of water damage are covered by your insurance company. Most standard insurance policies will cover water damage that is sudden and accidental. This means the damage was caused by unexpected events and there were no manifestations that it could be a potential problem or it was not caused by a wear and tear situation.

A good example of this is when sudden wind damaged your roof and resulted in accidental water damage to your attic and ceiling. Your insurance will cover the damage.

However, if your insurance company noticed that your roof had some signs of wear and tear and was not maintained properly, it is most likely that your claim would be denied.

Here are some other types of water damage that your insurance policy will cover;

  •    Damaged due to severe winter, your pipes froze and burst causing the water to spread in your home and resulted to damage.
  •    Damaged caused by severe weather such as rain or snow
  •    Overflow from toilet, sink, bathtubs, and others
  •    Damaged associated by extinguishing the fire
  •    Vandalism or malicious activity

What Types Of Water Damage Are Not Covered By My Insurance?

If the water damage is considered gradual, it will not be covered. If the water touched the ground first and flowed into your home, it is also not covered by your insurance company.

It is important that you know which type of water damage is covered by your insurance. Review what is written on your policy and if necessary, add extensions or adjust your insurance policy depending on your needs.

Water damage Due To Lack of Preventive Maintenance

Your home is built with different pipes and wires and is equipped with some machines that are susceptible to water damage. As a homeowner, it is your responsibility to check, repair or replace any areas or parts of your home that require the action. Your insurance company will deny your claim if they see signs of lack of preventive maintenance or an act of negligence.

Water Damage Due to Sewer Backups

This is also one of the types of water damage that will not be covered. If you find your house prone to this kind of situation, you may consider adding it to your insurance policy.

Water Damage Caused by Gradual Leak or Seepage

This damage includes water seeping through cracks or leaky proofs coming in around your foundation or exterior of your house. This amount of water can gradually damage your property. It is important to act immediately, so insurance might consider covering the damage.

The Source of the Water Damage

In most case, your insurance company will not cover the source of the water damage- such as a faulty hot water tank. However, areas that were affected by the water damage will be covered by your insurance company.


Standard homeowner insurance policy does not cover water damage made by rising water, rainwater, surging river, and groundwater. For this kind of scenario, be prepared by getting a separate insurance flood policy.


What Is Included in Your Insurance Coverage

Knowing the coverage of insurance policy is very important, to protect you against loss due to water damage. Review your insurance policy from time to time or you may contact your insurance broker to give you a full explanation of your insurance coverage. Below are the two types of insurance coverage that is applicable to water damage issues;

Dwelling Coverage

Your homeowner insurance policy will pay for the repair or replacement of the structure of your home if the damage was caused by the covered cause. In most cases, the detached structure of your home such as the garage, chimney, and others are also included in your insurance coverage.

Coverage For Your Personal Belongings

Your personal property includes your furniture, clothes, personal property, and others are covered if they were affected or damaged due to the mentioned covered causes. In the case of expensive items, such as jewelry’, art, collectibles and so on, are also covered but there is a certain limit imposed.


What To Do When You Have Water Damage

The first thing that you have to do is to shut down the source of the water. Check the leak in the area where water damage happened. On top of this call your insurance company immediately to start the process of your claim. Then, take photographs, videos, and inventory of the items or areas of your home that has been damaged. You may include the brand, price, and age of your personal belongings.

Your insurance company might not be able to come to you right away, so it is important to keep documenting the damage or further damage and keep your communication constant. In case the damage is getting worse, you may consider contacting a local restoration company.

We Can Help You With Your Insurance Claim Procedure

We know that filing an insurance claim is stressful. It would take you a lot of time and may require you to give a full documentation of what happened. Superior Restore professionals have an in-depth knowledge of insurance claim procedure. Since we are approved to work with all insurance company, we can help you make the process stress free. If you encounter water damage today, contact us.

Protect Your House From Water and Fire Damage with these Smart Devices

Water, fire or any type of disaster could happen any time and at times, you have no control over how they could bring damage to your property. Thankfully, smart technology has evolved over the years to help you protect your home.  There are smart home innovations that are designed to sense danger and notify you in short order before any uncertainties get worse.

They function using your WI-FI network connection and send you notifications of any danger to your phone. Install these devices to keep you, your family and your home safe and away from danger even when you are miles away.


  • Water Leak Detectors


Whether it is just a small water leak or a burst pipe, water can generate serious ample damage to your property. Water damage becomes severe if immediate action is not taken place. A water leak is often times overlooked as it does not make any noise. When water spread, it can damage the structure of your property and could give chances for mold to grow. Luckily, there are smart water leak detectors. Water leak detectors can beam real-time alerts to your phone the moment the leak is detected.

Water leak detectors are battery-powered leak devices that are placed to areas vulnerable to water leaks such as pipes, sump pumps, and appliances like washing machine, sinks, and toilets. Simply integrate this device with your smartphone to send you alerts for any suspected water disaster, whether you are at home or away. By this, you can act fast and prevent water damage. You can also equip your house with full flood monitoring system with automatic shut –off valves that you can remotely control.  


  • Smart Smoke Detectors


Smoke detectors have been developed over the years and have done a handful of actions to prevent any fire disaster.  The new smart smoke detectors do not just sound an alarm when it detects smoke but also send notifications to your smartphone. More than that, this device has the ability to detect problems of the unit itself such as a low battery.  Connecting this device to your security system allows you and even the Fire Department to get alerts of the incident. You can also integrate this device with a camera to see footage of fire or where and how the fire started. There are also models of smoke detectors that have a feature of detecting Carbon Monoxide.


  • Smart Heat Detectors


Just like smart smoke detectors, a heat detector is a device that is designed to send an alarm to prevent fire disaster. It can be linked to other heat detectors and smoke detectors. Let's say a heat detector in your kitchen detected a rise of temperature in the area, all the other heat detectors would get the signal and send an alarm.

Heat detectors can be classified in two ways, “rate-of-rise” and “fixed temperature”. Fixed temperature detectors send an alarm when the temperature reaches the pre-set level, while the rate-of-rise detectors send an alarm when there is a rapid increase in temperature. Most heat detectors can function in both ways.


  • Smart Batteries


Buying a new set of smart smoke detectors could be more expensive, instead, consider buying smart batteries to keep your detectors working. These smart batteries can send you updates to your smartphone when one of your smoke detectors is out of order or has a low battery. These smart detectors can also be used with heat and carbon monoxide detectors.


  • Smart Stovetop Fire Prevention


This is another kind of helpful device that could protect your home from fire. According to NFPA, one of the leading causes of home structure fires are cooking fires. Cooking fires happen when cooking food is left unattended. With smart stovetop device, you can get a reminder that you left the stove on. This device is designed with a sensor motion function that tells if you are in the kitchen. Once the sensor has detected that you are not in the kitchen, it will start its countdown and eventually shut off the stove when you are not back.


  • Smart Outlets or Plugs


Basically, the last thing you do when leaving your house for a short trip or a long vacation is checking whether your appliances have been turned off or not. Gratefully, technology has developed another device that allows you to check the power status of your device or appliances. Smart outlets can be used with an app on your smartphone and can give you access to turn off or turn on the outlets, anytime and anywhere where you can connect to the internet. Smart outlets can also be controlled by voice when it is linked with smart devices like Google Home and Amazon Echo

Adding these devices to your home can prevent you from hundreds and thousands of dollars of damage. They are brilliant as you can get access with them anytime and anywhere using your smartphone and an internet connection.

Yet, these devices cannot guarantee full protection. Fire and water disaster could happen anytime and it is vital to act fast in order to lessen the amount of the damage. Call professionals when emergencies arise. At Superior Restore, professionals are ready to handle emergencies 24/7. They act fast and respond promptly when needed. Our professionals are fully equipped with proper knowledge and skills in dealing with fire and water damage restoration. We are one of the leading restoration companies in Southern California. You can contact us anytime at 951-221-8265.

Why is IICRC Certification Important?

‘We are IICRC certified.’.  This phrase is commonly read or seen in most cleaning or restoration company websites. We are one of them. If you go over our site, you can read it in all areas.  But, what exactly is it? Why is IICRC certification important? Does it have any impact on how a job is done? Or, what process is used during the cleanup operation?  Let us discuss a little bit deeper the true meaning of it and the impact of it in the restoration industry.



As a consumer, we opt to find companies that value safety, integrity, excellence, and professional work standards. In most companies, there are certain organizations that are established to formulate professional work standards and provide continuous training and education. Same goes with the cleaning or restoration companies.  The IICRC has risen to do the job.

The  Institute of Inspection, Cleaning and Restoration Certification also knows as Clean Trust, was established in 1972 to formulate health and safety standards and to manage the quality of work done by carpet and upholstery cleaners. It has evolved globally and eventually included all types of cleaning and restoration activities. It is comprised of more than 50,000 certified technicians and more than 6,000 Certified Firms around the world.

The Mission of the IICRC is to establish and advance globally recognized standards and certifications for the inspection, cleaning, restoration and installation industries.

The IICRC serves as an independent, certification body, that sets and promotes high standards and ethics, and advances communication and technical proficiency within the inspection, cleaning and restoration industries. The IICRC also ensures that when consumers hire a Clean Trust-Certified Firm or technician, they have hired experts who will provide reasonable assurance that work will be completed in accordance with the industry’s “standard of care.”


As the mission itself says, the IICRC makes sure that the technicians and firms should continuously develop their skills and improve their knowledge to provide an advanced level of service.


The IICRC program offers a broad range of courses and training to appropriately tackle all areas of the property. It ranges from technical aspects such as, cleaning of carpets or remediating mold damage, to the wider aspects of the restoration business.  A greater understanding of each area is very vital to perform the most efficient ways of restoring a flooded room. Technicians are required to take multiple training courses and seminars every year to stay updated on the new equipment and to learn new methods. It is also important to keep their credentials. Each course differs on their length and intensity.  After the training, the trainee must take a standardized examination and get a passing grade before he/she can start performing the job.


Almost all trading industries that regard the safety and health of the consumers are required to get licensing, for instance, electrical contracting and plumbing. However, water damage industry is one of the industries that are not obliged to get licensing, thus this situation makes it possible for anyone or everyone to put up their own firm, and do the job without proper training, knowledge, and skills. However, restoration or cleaning a flooded room is such a complex job! We have seen this situation hundreds of times. The possibility of causing more serious effects of water damage is higher when the job is not done according to the standards set and regulated. We don’t want you and your family suffer from the aftermath of water damage.

Acquiring the IICRC certification is not an easy task. It requires a lot of time and investment and only those companies interested in the long term success would go through the long process. These IICRC certified technicians and restoration companies use advanced and up-to-date techniques in doing the job. They value training and excellence, thus they pursue continuous education to present excellent service to the consumers. Being IICRC certified provides consumer reassurance that they can acquire high-quality service and that professionals will do the job well.  Aside from the high-quality of service promised to the consumers, certified technicians are committed to performing the job with professionalism and ethics. So, no matter how big or small the damage is, it is important to hire professionals or companies that are IICRC certified.

Our Technicians are indeed IICRC Certified

We at Superior Restoration value the importance of training and appropriate knowledge in doing our job. We can assure you that our technicians are Clean Trust certified. They are committed to perform at the highest standard during the process and even after the process. We make sure that the quality of service we provide is incomparable.

If you need help with water damage restoration or clean up, please call us today.

Superior Restoration makes the Inc. 5000!

What a terrific year it's been in 2018 for Superior Restoration. We were able to help Lake Elsinore school district with the fires and many people with the flooding that just happened January. We are honored to be included in the Inc 5000 list and we will continue providing the highest level of service to our community. The reason for our growth in the last few years has been our team. We have the best team in the business and we are proud of that.
Cheer's to 2019!

Life Water

Superior Restoration happy to sponsor the Wheels for Water ride across the country. #LifeWater


The Wheels 4 Water team kicks off their 9-day, coast-to-coast ride today. Thank you for supporting their journey! Here’s a look at their ambitious goals:
9 Days
9,000 Miles
Help 9,000 Children
To date, the team has reached 65% of their total fundraising goal to serve 9,000 children in Ethiopia with safe water, sanitation, and hygiene. You can track their progress, meet the team and support their efforts at wheels4water.org.

If you would like to help their cause, you can donate here https://give.lifewater.org/fundraiser/1203433 or Learn more about Life Water at www.lifewater.org.

How Do You Choose The Right Restoration Company?

4 Tips for Choosing the Right Water Damage Restoration Company

None of us ever consider the possibility of a burst pipe, flooded basement or other water damage reckoning our home or buildings. But when such damage occurs, it can create serious issues. As a homeowner or manager of a commercial building, it is important to consider hiring a professional water damage restoration company to prevent the damage from getting worse.

But with so many restoration companies out there and each one claiming to be the best, it can be hard to choose the one that will provide quality service. Here are a few tips to help you choose the right water damage restoration company for the job.

1.     Check for Certification

Remember to always hire certified professionals for restoring your home or commercial building after water damage. Look for a company that is certified by Institute of Inspection, Cleaning and Restoration Certification (IICRC).

IICRC promotes high standards, ethics, advance communication and technical proficiency amongst restoration services. Hiring an IICRC certified water damage restoration company will ensure that you are dealing with professionals who comply with highest industry standards.

2.     Focus on Price and Recommendations

The decision of choosing a water damage restoration company should not be solely based on recommendation from an insurance company or on the quoted price of restoration.

You should ask your friends and neighbors about recommendations and suggestions to know which firm stands out in the restoration work. Online reviews can also help you in knowing about the restoration company with which customers are satisfied.

You may choose a restoration company on the basis of a low price. But, keep in mind that low prices would normally indicate that the restoration company does not utilize modern tools and techniques to perform restoration work.

3.     The more Services the Better

Ideally, you should choose a restoration company that not only offers water damage restoration services but also provides other services such as mold damage remediation. Mold remediation is an important part of restoration work and any reputable restoration company should provide this service.

If you find a restoration company that is only offering simple restoration and clean up, it is a sign that the company does not have the right skills and expertise in handling the restoration process.

4.     Emergency Services

The key to effective restoration after water damage is a quick response. It is important to look for a water damage restoration company that is operational 24/7 and provides emergency services. Water damage can strike at any moment without warning. If a restoration company is not providing emergency services, it means that they cannot be trusted with the restoration process.

If you are searching for a water damage restoration company that can guarantee you highest quality work, get in touch with Superior Restoration. Superior Restoration not only provides water damage restoration service, but also offers mold damage and construction services to ensure that your home or commercial building is fully restored after water damage.







Frequently Asked Questions From Home Owners About Water Damage

Homeowner Questions and Answers about Water Damage Restoration

When homeowners suffer from water damage, the experience is often distressing. Many homeowners have no idea what to do when water damage hits their home, and they start panicking. This panic often results in more damage as they fail to contact professional water damage service providers who can save their home from getting wrecked.

Being familiar about the causes of water damage and how it can be handled can help you overcome the damage more effectively. Read the questions and answers below to learn about water damage and how you can handle it by contacting professional water damage services.

Q.1) What are the causes of water damage?

Water damage can result from many different causes. Sometimes water damage occurs because of your own negligence. For example, leaving the water taps open, not repairing leaking pipes or not paying attention to plumbing problems. Other times, the cause is uncontrollable. For example, floods, heavy storm and rain, appliance malfunctions or sewerage backup that can result in massive damage.

Q.2) What are the dangers of water damage?

Water damage that results from flood, heavy rain or sewerage backup can be very dangerous as it contains harmful contaminants like bacteria and other microorganisms. If the water is not dried up within 24 hours, mold spores begin to grow which are harmful to your health.

Q.3) What to do if water damage occurs?

In case water damage occurs in your home, you must immediately contact a water damage restoration company. Don’t wait around as the damage can become worse if the water is not dried up quickly. You must also contact the insurance company and file the claim as delaying it can make the process complicated.

Q.4) Why should I not handle water damage on my own?

Restoring you home after water damage is not a simple task and only certified professional can handle the job effectively. You don’t have the advanced equipment and tools that are required for proper cleanup and drying. Moreover, dangerous microbes and bacteria linger in the standing water which can lead to serious health problems if you attempt to restore your home on your own.

Q.5) How will certified professionals deal with water damage?

The professional technicians from a water damage restoration company will first assess the problem and then plan accordingly to perform restoration work. They’ll remove all the damaged materials from your house and then start the cleanup and drying process. They will also disinfect the areas which have suffered water damage to eliminate any mold that may have grown.

After cleanup and drying is complete, they’ll put everything back the way it was and repair any damage to make your house perfect again.

Q.6) Is water damage covered under homeowner insurance?

There are certain limitations to your homeowner insurance with respect to water damage. Homeowner insurance will cover water damage if it is accidental or sudden such as pipe bursts, sewerage backup, etc. Water damage caused by your own negligence is not covered under homeowner insurance.

Water damage from flood is also not covered under homeowner insurance no matter what the source of the water is.

If you have more questions about water damage or need to connect with professionals for water damage restoration, get in touch with Superior Restoration as we specialize in water damage services.




The Categories and Classification of Water Damage

All You Need To Know About Water Damage

Water damage in the home can be a major problem and is considered a disastrous occurrence. Different types of situations can cause it to happen, for example, a pipe burst or a flood in your area. These different scenarios can cause different amounts of water damage.

However, you must be able to determine if one situation is more severe than the other. The Institute of Inspection, Cleaning and Restoration Certification, more commonly known as IICRC, has set up guidelines to classify the liquid involved in damage and the level of destruction caused by water damage.

You must be familiar with these classifications to recognize the water damage in your home and act accordingly to restore the damage.

Categories of Liquid Involved

Category 1

Category 1 refers to liquid from a clean source such as tanks, tap water line etc. It will not cause illness but can quickly degrade into category 2.

Category 2

Category 2 refers to liquid that contains significant contamination and can cause illnesses or discomfort if ingested. Examples include dishwasher overflows, washing machine overflow or toilet overflow with urine.

Category 3

Category 3 liquid is also known as ‘black water’ and is grossly contaminated. Such water sources may carry pesticides, organic matter, regulated materials, heavy metals or toxic substances.

Classification of Water Damage

Class 1

Class 1 water damage is the least amount of water damage that can occur in your home. It only affects a small area and there is only little or no soft material absorption.

Class 2

Class 2 water damage involves a large amount of water with fast evaporation that affects an entire room, carpeting or cushioning. The water damages the wood grained materials in your home but the height of water remains below the 24 inch mark.

Class 3

Class 3 water damage refers to a situation when water has severely damaged the home. The damage could be due to overhead pipe burst. This can impact the safety of the people living in the home. If this scenario occurs, it is best to inform your insurance company since leaving it unattended can make the property unsalvageable.

Class 4

Class 4 water damage is labeled as specialty drying situations. This means that there has been enough liquid and time to saturate materials with very low porosity such as hardwood, brick, plaster, concrete and stone.

You must now understand that when you experience water damage, the longer you wait to begin dealing with the damage, the worse it can get. You should not allow the water to remain in your house as the risk of bio-hazard increases. In 2 to 3 days, category 1 can turn to category 2 and eventually even category 3 as bacteria begins to proliferate.

If you ever suffer from water damage don’t wait around and immediately call water damage restoration services. For the best water damage restoration services contact Superior Restoration as when it comes to the restoration process, nobody does it better than us.





5 Tips to Prevent Water Damage

Water damage is the number #1 threat to your home’s foundation. It can be an awful experience especially when you are not sure what steps you must take to address the problem. Leaky appliances, flooding and pipe leaks can happen when you least expect it. These situations can disrupt your home’s environment and water damage is the last thing you want to deal with.

Water damage hits the core of your house and eventually causes serious structural damage. You must prevent water damage from occurring to save the integrity of your home. Here’s how you can prevent water damage following five simple tips.

1.     Roof Check

Do a visual check of your roof at least twice a year to ensure that there aren’t any signs of deterioration. Check for curling, cracked or missing shingles as these can be early signs that your roof needs repairs. If not repaired, in case of rain, the water can come into your house from the damaged roof resulting in massive damage.

2.     Maintain Good Drainage

Poor drainage can weaken the foundation of your home, causing cracks and pathways through which water can enter. Clean your gutters regularly, otherwise, on a rainy day, a clogged gutter may send water spilling into the foundation of your home.

3.     Be Careful with Planting

Some plants and trees have very sturdy roots that go deep into the soil. If you are not careful with where you plant them, they’ll grow right into your drainage pipes, septic tanks and sprinkler system. Plan before you begin to plant trees to keep the water lines safe from the roots.

4.     Don’t Use Unclogging Chemicals

No matter how much you clean the sinks, clogs will eventually happen. Some people prefer using powerful drain cleaning chemicals to quickly get rid of the clogs. But what they do not realize is that these chemicals are eating away the pipes.

If you use chemicals regularly, you’re inviting water damage yourself. A drain snake is a good alternative to clear the clogs. They’ll get rid of any clogs without damaging the pipes.

5.     Test Your Sump Pump

If you own a sump pump, you should test it regularly to make sure that the check valve is functioning right and water is being pumped out of the sump pit and not flowing back in the basement.

To test the pump, fill the sump pump pit with water. This extra water should trigger the check valve and pump should turn on and start pumping water out. If the pump is not working fine, have it fixed to prevent massive water damage.

If you follow these simple tips you can avoid potential water damage in your home. But, sometimes, despite all your efforts, water damage may still occur due to unforeseen circumstances like a flood.

In case that ever happens, contact Superior Restoration as their technicians can provide emergency restoration services to handle water damage in your home.









What is the process of restoring my home after a water damage?

If you ever have an unfortunate encounter with water damage in your home, do not despair. There are professional water damage restoration services that can help you navigate the devastating event and restore your home to how it was before the damage.

However, it is important to have some idea on what to expect from the restoration process since sometimes it can be as simple as drying the home or as complicated as repairing the entire roof of your home. This article entails 4 important things that you must know about water damage restoration. Read on to become familiar with the restoration process.

1.     Water Cleanup

Water cleanup after the damage involves various steps. First the technicians from water damage restoration service will examine the house to assess the damage, and then they’ll come up with a plan. A plan is absolutely necessary to ensure that all the steps of the restoration process are incorporated.

For example, the technicians will need to ensure that the electrical wirings are not interfered with if there is no damage in them. Everything is done according to the structured plan to ensure sound restoration process.

2.     Drying Out

After the water has been removed from your home, the next step is drying.  You may need to replace some of the appliances and furniture that has suffered significant damage. For instance, the drywalls and carpet may absorb too much moisture making it difficult to remove completely. In that case, replacement is a must to prevent bacteria and mold growth.

3.     Decontamination

Decontamination is the next step in the restoration process. After drying out the water in your home and replacing damaged things, a water clean-up and sanitation is carried out. This is necessary to ensure that your home is completely clean and safe from contamination. Antimicrobial products are applied to ensure that all organisms which could harm you later on are eradicated during the cleanup process.

4.     Restoration

After the drying and decontamination, the next step is restoration which involves making necessary repairs in your home. If structural repairs are required you may need to hire a general contractor as restoration services may not be able to make those repairs. After restoration, mitigation steps are recommended such as installation of roof gutters to prevent water damage in the future.

Water damage restoration is something which must be addressed quickly and effectively. Drying your house and making the repairs after water damage can be such a daunting task. As you can see, the process of water damage restoration can be overwhelming if you do not have professional help.

If you suffer water damage, you should always call professional water damage restoration services to restore your home otherwise consequences can be fatal.

To seek professional help with water damage restoration, contact Superior Restoration as their team of technicians will treat the restoration on your home with the highest level of professionalism.