Is Content Restoration Covered Under Home Insurance?

Content restoration involves cleaning, drying, and repairing personal belongings after water damage. This service can include furniture, clothing, electronics, and important documents. The goal is to salvage items rather than replace them, which can be more economical. The process often uses specialized equipment and techniques to prevent further deterioration.

Certain types of water damage to contents are commonly excluded from standard home insurance policies. Damage from external flooding, such as from a river or heavy rain entering the home, usually requires separate flood insurance. Damage from a sewer or drain backup also typically needs a specific policy endorsement. Gradual damage from a slow, hidden leak you could have discovered and fixed is also often excluded. Neglect or a consistent lack of maintenance is generally not considered a covered peril for your personal property.

Taking immediate, safe action can help prevent further damage to your personal property before professional restoration begins. Your personal safety is the top priority, so avoid any electrical hazards and do not enter rooms with standing water from a contaminated source. These initial steps focus on mitigation, which can limit the overall loss. When moving items, prioritize those with high sentimental or monetary value.

• Move undamaged items to a dry, safe area.
• Remove excess water with a mop or towels if it is safe to do so.
• Place aluminum foil between furniture legs and wet carpeting.
• Hang furs and leather goods to dry separately.
• Do not use a household vacuum to remove water.
• Do not turn on ceiling fixtures if the ceiling is wet.