"Thank you so much for coming to my rescue in a time of need! My basement was flooding, water coming in through the foundation, and I was exhausted from trying to keep up with it. You guys realized the importance of prioritizing me, and put in a sump pump to save the day. You are the best!" - Joanne Lipsy

"We've used A-1 a couple of times and are always pleased. All the cracks that have been repaired have held up beautifully and we are now enjoying a newly finished basement with no concerns about water due to the cracks!" - Brendan Kenahan

"Rich was very professional and sent his technician Andrew to do the work. Wasted no time, just stayed with it. He was very knowledgeable and indicated if there was any problems they would come back and fix them. No more leaks! It is good to know there are still companies that care and deal with the issues." - Rich B.

"A couple of weeks ago we had A1 out to do some work on the bulkhead at our home in Woodstock Valley, CT. So far we are extremely pleased with the performance of the injection, I'd say 2 days after the work we had 4 inches of rain in one evening, not a drop came in. I can sleep easier now about the decision we made last month to finish our basement, we love having the extra, dry, living space." - Ron Sanderson

Rich is a reputable and responsible businessman who we have worked with several times. His response to us is always prompt and professional. He is able to schedule appointments and provides pricing in advance of performing his service and there is no up-selling involved. We would use Rich and A-1 again and we refer him often with our complete confidence

I cannot thank you enough. What an incredible company you have. It's comforting to know that if there's another problem in the future, I know who to call!! - Barbara Salzman

"I would have to say your company is " A 1", in my book. I will see you again in the spring." - Valerie Curley

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What Types Of Water Damage is Covered By Your Home Owners Insurance?

Joseph Coupal - Friday, December 16, 2011

When you buy your homeowners insurance policy, you may think you are covered when it comes to water damage. But there are many scenarios where insurance does not cover damage caused by water. With so many home insurance mold claims and water damage claims being denied, there is a lot of confusion about what types of water damage is covered by homeowners insurance.

Water damage is defined differently than flood damage in a policy. What types of water damage is covered under your homeowners insurance?

Homeowners insurance does not cover water damage caused by floods, but there are some kinds of water damage it does cover.
 
Generally, homeowners insurance pays for damage from rain coming through a hole in the roof or a damaged skylight or window, but only if that damage was caused by a storm.

If the hole or the window was damaged from neglect, then, no, the water damage is not covered. Water in your basements caused by floods is also NOT covered by your homeowners policy.

Many of our customers have water damage due to leaky pipes that causes water damage overtime. This is not covered, again neglect. When pipes freeze or break due to the cold, the resulting water damage is covered by your policy.

Most insurance companies cover all water damage inside the house (leaking of or damage to the washing machine, water heater, bath tub), including the basement. Essentially if the water damage was caused by damages from a storm, which is covered, then the water damage is covered; but remember, floods are different.  If the water damage is caused by lack of home maintenance, the water damage is not covered.  

If you are not sure what type of water damage is covered, review your policy or ask you insurance company. The best bet is to stop water before it enters you basement, contact A1 Foundation Crack Repair.

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