When you need the carpet in your home in Hermosa Village, Eastlake Cottages or any other neighborhood here in Pomona, California, cleaned, you will call your local carpet cleaning company and pay out of your pocket. However, what do you do when there has been water damage – possibly from a busted pipe – and you need your carpet cleaned? Will your homeowners insurance cover it? Read on to learn more.

Typically, home insurance will pay for carpet cleaning if it is required following a bathtub overflow or busted plumbing pipe. However, all water damage is most certainly not covered.

Natural Flooding

Your homeowners insurance typically won't pay for carpet cleaning if the cleaning is needed due to damage from a natural flood. Natural flooding is something that is excluded from most home insurance policies and you must purchase a separate policy to cover flood damage. However, even with a separate policy, the carpet cleaning may not be covered.

Neglect

In many cases, if you did not maintain upkeep of your home and its plumbing pipes, which is what caused the busted pipe, then your insurance company generally has the right to deny your home insurancecarpet claim.

Call to speak to one of our independent agents that serve the Pomona 91766 area. We are more than happy to discuss what your policy covers and does not cover. This way, if you do not have adequate coverage for flood damage, we can add it for you. Additionally, we can discuss with you about whether your cheap home insurance policy covers carpet cleaning or if it can be covered for an additional cost. Remember, we're here to help and make life easy for you!

There is so much to do in Pomona, CA. From visiting the Auto Club Raceway to spending a day at the American Museum of Ceramic Art, there’s a little something for everyone. And don’t forget about the amazing weather that makes it enjoyable to go out and about year round.

But as with anything in life, there are troubles to be expected, such as getting involved in a car accident. Fortunately, though, if you have automobile insurance, you can rest assured that you will be protected with the right coverage.

With a basic liability policy, any damage to anyone else’s vehicle or property will be covered if it is your fault. With a full coverage policy, both your car and the other involved cars and property will be covered if it’s your fault, and you’ll only be liable for the deductible.

The question you might be asking yourself, though, is whether or not your insurance rates are going to go up if you get involved in an accident. Truth is, it just depends.

A collision in the 91766 zip code area that is your fault will likely cause your rates to go up, but only if it’s a major accident. A minor fender bender probably won’t affect your rates as long as you haven’t had an accident or traffic violations for several years.

If you’re not at fault, there’s a very good possibility that you’re rates won’t go up, but this isn’t always the case. Because statistics show that someone in one accident is much more likely to have another one, some insurance agencies go ahead and raise rates regardless of whose fault it is.

If you would like more information on how accidents affect your insurance rates in California, we are here to answer any of your questions.

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Month: January 2015

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