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Does My Homeowner’s Insurance Cover That?

storm damage woodbury, storm damage cleanup woodburyOne of the most common concerns we hear from our customers at the beginning of any restoration project is whether or not our work is going to be covered by their homeowner’s insurance policy. Unfortunately, without seeing the policy we cannot give a concrete 100 percent answer to that. However, after restoring hundreds of homes since ICC Restoration opened for business to serve Woodbury and surrounding areas, we have a pretty good idea when we see the type of loss you’ve had in your home whether or not your policy will cover it.

Most simply put, there are two categories: flood damage and water damage. Flood damage is when water comes in from outside your home, and generally, in instances where that flooding is due to a swollen river or lake, that won’t be covered by a standard homeowner insurance policy. This type of damage requires actual flood insurance. On the flip side, if a pipe bursts in your home and your basement is flooded, it’s probably covered. That is considered water damage.

There is a bit of a third category to this: damage caused by a lack of routine or proper maintenance. For example, if you knowingly allow a pipe beneath the kitchen sink to leak for weeks without fixing the problem, your policy may not foot the bill for the repairs. Chances are if you’ve waited this long, the damage is pretty extensive as well and you’re not only looking at water damage, you’re looking at mold growth.

If you aren’t sure what exactly is on your insurance policy, we certainly suggest speaking with your insurance agent about your coverage sooner than later. And, if you’re calling us once the water loss has happened, rest assured that we also will work with your insurance company to see what is covered and what is not so you understand what you’re dealing with right off the bat.

There are also obvious concerns about how much the project is going to cost and how long it is going to take. Our skilled estimators will work closely with your insurance adjuster to assess the damage, create a scope for the work and what it will cost, and a timeline to get the repairs done. Every situation is unique. However, you’ll see as the restoration process gets underway, we communicate often about as much as we can so you will understand the costs from start to finish of the project so there are no gray areas, and hopefully no surprises.

If you aren’t exactly sure what your insurance policy covers, it’s a good idea to set up a meeting with your local insurance agent sooner than later to go over your policy and talk about any additional coverage you may want to add. Often, adding on coverage for items like sewage overflow or backup only adds a few dollars to the premium every month, but can go a long way in offering home and business owners peace of mind that if they were to have a loss like that, their insurance policy would have them covered.

What Our Customers Are Saying

Melisa did such a great job and was so professional and nice. It really helped with the issues I was dealing with. Thanks Again!

- Janell, Waconia

Thank you for everything. You have been more than accommodating to me throughout this nightmare. I couldn’t be more pleased with the final outcome.

- Laura, Woodville, WI

I just can’t thank you enough for making our “water damage ordeal” go away so quickly. Your ability to organize subcontractors and the ICC crews is truly amazing, Mom and I are delighted to be back and settled into our little casa. Your genuine warmth and caring are truly gifts that you bring to your work. You are so appreciated!

- Jane, Stillwater

Thank you for sending Jake to my home. He was the most respectful young man I have ever met. He left my home very clean and he was very knowledgeable.

- Carolyn, White Bear Lake

The project manager did a great job communicating. He was so nice and did a great job checking in with us. Working with ICC was the best part of the flood. The crews really went out of their way to make sure we were well taken care of. The job could not have gone better.

- Nick & Abbie, Chanhassen

I don’t think your company performed work at Derek’s home as there was minimal damage, he called me today and thanked me profusely for referring ICC to him. He was very impressed with the rep that came to his house and the honesty and helpful advice he gave him about clean up and that it may not be in his best interest to file a claim. He is the type of customer that appreciates good service and will remember it and refer others. Thanks again for ICC’s help.

- Kimberley (Insurance Agent)

Thank you for such AMAZING service!

- Barbara (Insurance Agent), Rochester

ICC turned a really bad experience into a good one. We are very happy with all of the work that was done. They did a great job explaining the claims process.

- Linda, Oakdale

The crews were very professional and communicated well. They were great also about cleaning up after themselves. We would use ICC again. The crews were always on top of the process, which allowed the repairs to go smoothly.

- Church Representative, Edina

Erick did an excellent job explaining the process. We thought that everyone was very professional. They explained everything very well and followed through with everything. Communication could not have been better. I am very happy with my services.

- Gary, Osceola, WI

Our project manager was great to work with; he explained things well and answered all of our questions. Our coordinator also did a good job. Working with ICC was easy. Communication was wonderful and the crews were very professional. We would use ICC again in a heartbeat.

- Angie & Fran, Hudson, WI

The lead technician was great and explained things over the phone very well. I was very impressed. The crews were better than expected and very professional. ICC was extremely responsive; I was out of state and was so impressed with how they kept me informed.

- Jim & Cheryl, Victoria

I was very happy with all the crews at ICC. I had great experience and would not hesitate to work with ICC again should the need arise. Everyone there really knows what they are doing.

- Jerry, Cottage Grove

Dealing with the fire was a very upsetting time. ICC was able to get out to my home quickly and really helped reassure me that everything would be fine. ICC worked very well with my insurance company. I could not have been happier with the whole process. I know I asked a ton of questions and Mark was great about answering them all.

- Karen, St. Croix Falls, WI

The crews were always on time for their appointments. Our job went very well. I am so thankful for everyone at ICC and the excellent work they did.

- Michelle, Shoreview

Everyone I dealt with was just great. My project could not have gone better. Everyone at ICC is professional and is excellent at communicating. I would use ICC again and will be recommending them.

- Connie, Edina

The technicians did a fantastic job. Everyone really cared about me and my concerns. They were extremely knowledgeable, compassionate, and knew how to make me feel comfortable. ICC was amazing to work with.

- Kevin, Maple Grove

ICC was terrific to work with and I will be recommending them. I had an excellent experience.

- Patricia, Hudson, WI

The technicians were extremely detailed. I immediately felt like I was in great hands. They were also very calming, always on time and communicated well.

- Sally, Excelsior

The technicians were very good at explaining what was going to take place. They answered all of my questions in great detail. Everyone was very sympathetic to my situation and genuinely cared.

- Anita, St. Anthony

Our project manager payed great attention to detail and had excellent customer service. He was very compassionate and really cared about what we were going through. ICC was wonderful to work with. The crews were very professional and thorough.

- Brian & Jill, Woodbury

I was very pleased with the whole process. Everything went so much smoother than I expected. ICC really helped make it easy.

- Jackie, Woodbury

The crews were very professional and communicated very well. They responded very quickly to our phone calls and always made sure we knew what was going on.

- Robert, Maplewood

Thank you for the wonderful inspection findings and THANK YOU for your professionalism. So much appreciated.

- Carol, Burnsville

My project manager did a great job and was really nice to work with. My coordinator did a great job keeping me informed about the process as well. ICC was wonderful to work with; they were all very professional and treated my home well. The quality of the work done was impressive and I would definitely use them again.

- Paul, Maplewood

I was impressed by the short time it took for the clean up crew to make arrangements to meet me even though we were outside of the metro area.

- Karen, Osceola, WI

Contact Us

Toll-Free: 888-739-4289

451 Commerce Dr., Suite 800,
Woodbury, MN 55125
651-739-4289

4481 N Frontage Rd.,
Hwy 14 West Unit 9,
Rochester, MN 55901
507-206-2348

MN LIC #BC316232,
WI LIC #1042030

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