Water Damaged Kitchen Cabinets Insurance

How to repair water damaged kitchen cabinets.

Water damaged kitchen cabinets insurance.

Say for instance flood water ruins the bottom kitchen cabinets but not the upper cabinets. Flood insurance generally doesn t pay to replace anything that didn t get wet jansen says. If you have water damage under your kitchen cabinets here are the steps you ll need to take to resolve the issue. The insurance company will cover the damage caused by the water only e g drying out the ceiling and floor covering.

However any areas near where the damage was that have doors to them for example powder rooms kitchen pantry they won t cover these areas even though the floor is a continuous floor w no. If the kitchen water damage was the result of a sudden and accidental event like the examples listed above then insurance companies will pay for water damage cleanup and repairs to any affected areas like cabinets floors and walls. When your kitchen is damaged you likely will contact your insurance but filing an insurance claim after kitchen damage is not an immediate process. If your kitchen floods because a pipe froze or rain came in through a roof leak your policy should cover your losses.

According to the insurance information institute homeowners insurance may help pay for repairs if for instance your drywall is drenched after your water heater ruptures or an upstairs pipe bursts and water saturates the ceiling below. You ve got to understand exactly how serious the damage under your kitchen cabinets is. You re not so lucky if a nearby river overflowed or a rain. For example we had water damage from super storm sandy and the insurance company is covering resanding refinishing of all open area hardwood floors.

However the issue of full replacement after a partial loss gets a bit tougher with flood insurance claims. Damaged walls and floors. Claims due to water damage impacts 1 in 50 homeowners each year. They will then pay to repair the room.