Fast, Reliable Emergency Restoration Company in Hawkinsville, GA

Will Insurance Cover Water, Fire, or Mold Damage? What Homeowners Need to Know

When disaster strikes your home, your first thought—after making sure everyone is safe—is usually: Will my insurance cover this? Whether you’re dealing with water damage from a burst pipe, smoke and soot after a fire, or stubborn mold spreading behind your walls, the answer depends on several factors.

At RightAway Restoration, we’ve helped countless homeowners in Hawkinsville, GA navigate this exact question. Here’s what you need to know.

Water Damage: What’s Usually Covered?

Homeowners insurance typically covers sudden and accidental water damage—but not all types. Here’s the breakdown:

Covered by Insurance:

• Burst pipes

• Overflowing appliances (like washing machines)

• Roof leaks caused by a storm

• Accidental discharge from plumbing or HVAC systems

Not Covered:

• Flood damage (you’ll need separate flood insurance)

• Gradual leaks or long-term water damage

• Poor maintenance or neglect

Pro tip: Take photos of the damage and act fast. Insurers may deny claims if they think you didn’t respond quickly enough to prevent further loss. That’s where RightAway comes in—we show up fast, document everything, and start drying immediately.

Fire and Smoke Damage: Usually Covered

In most standard homeowners policies, fire and smoke damage is fully covered. This includes:

• Structural damage

• Smoke odor and soot cleanup

• Repairs to walls, ceilings, and flooring

• Temporary housing (loss-of-use coverage)

Make sure to keep records of all damaged belongings. If your home is unlivable, your policy may cover hotel stays and meals while repairs are being made.

Working with RightAway: We handle everything from emergency board-up services to full restoration, all while coordinating directly with your insurance provider to speed up your claim.

Mold Damage: It’s Complicated

Mold claims are where things get tricky. Mold is typically excluded from insurance coverage—unless it results from a covered event, like water damage from a sudden pipe burst.

Possibly Covered:

• Mold caused by a covered water loss

• Mold discovered as part of fire or storm damage cleanup

Not Covered:

• Mold from high humidity, poor ventilation, or lack of maintenance

• Pre-existing mold issues

Some insurance policies offer optional mold endorsements or riders. If you live in a humid area like Hawkinsville, it’s worth checking if you have this added protection.

What to Do Right After Property Damage

The clock starts ticking the moment damage occurs. Here’s what you should do to give yourself the best shot at insurance coverage:

1. Stop the damage – Shut off water, turn off power if needed, and get to safety.

2. Call RightAway Restoration – We respond 24/7 to stop further damage and begin cleanup.

3. Document everything – Take photos and videos of all affected areas.

4. Contact your insurance provider – File your claim and request a claim number.

5. Let us handle the rest – We work directly with your adjuster to simplify the process.

Why Work With RightAway Restoration?

We’re more than a cleanup crew—we’re your partner in the restoration process. Homeowners in Hawkinsville trust us because:

• We’re insurance-friendly and know how to document losses properly

• We respond fast—day or night—to minimize damage and cost

• We’re IICRC-certified and trained to handle water, fire, mold, storm, and biohazard cleanup

You don’t have to navigate your insurance claim alone. We’ll help every step of the way.

Need Help After Property Damage in Hawkinsville?

Call RightAway Restoration for 24/7 emergency response. Whether it’s water, fire, or mold—we’ll restore your property and peace of mind, fast!