Is Disaster Cleanup in Ventura Covered by Your Insurance?

Disaster cleanup in Ventura can cost a lot of money. It all depends on what the disaster was and how bad it was as to the exact cost. Something that you’ll look into is whether your home insurance will cover the cost of the cleanup.

This can depend. There’s no set answer as it will depend on your insurance coverage and the type of disaster that it was. Here are some factors to consider.

Take a Look at Your Insurance Policy

While you want to start disaster cleanup in Ventura as soon as possible, you want to check over your insurance policy first. It’s also worth giving the company a call to see what is covered if the wording in your policy isn’t clear. This can help you figure out whether the current disaster is covered.

This is also important to help figure out which companies you can call. A lot of insurance companies have preferred company to work with. If you go outside the network, your cleanup won’t be covered because of this. You need to double check this before you hire anyone to do the job.

Is It Classed as an Act of God?

The term “act of God” is a big one in insurance policies. This helps to take out having to pay out for something that was out of anyone’s control. The problem is you still have to pay for the disaster cleanup in Ventura.

You’ll need to look at the type of disaster that you’ve faced. Will it be considered an “act of God” but the insurance company? You can call the company up to find out what they determine as one of these acts.

This is common in areas that are prone to certain types of disasters. If you are in an area that floods a lot due to river banks, the insurance company may have extra coverage to buy to help with the disaster cleanup should the flood happen. There’s a higher probability of the flood happening, so a higher probability of the insurance company paying out, so they want more money to deal with that.

Is a Police Report Needed First?

What about an act of vandalism? This can happen, and you end up having to pay out for disaster cleanup in Ventura while also going through the stress of reporting the damage and dealing with that legal situation.

If it is an act of vandalism, your insurance company will likely need a police report filed first. This doesn’t mean they need to know who did it, as not all cases are solved, but they need to see the report. This tells them what type of disaster it is and makes sure that the claims process is handled correctly. If the person is caught, the insurance company can then potentially go after that person in court (as well as you).

A lot of disaster cleanup in Ventura is covered by your insurance, but you’ll need to go through the right cleanup company. This will depend on the type of disaster, though.