Storm Damage Repair Cost in Pennsylvania, What to Expect
Storm damage repair costs in Pennsylvania range from $1,000 for a minor water intrusion event to $50,000 or more for significant structural damage from a major nor’easter, tornado, or flood event. The Lehigh Valley sits in one of the more weather-challenged corridors of Pennsylvania, positioned to receive nor’easters moving up the coast, lake-effect moisture from […]
Does Homeowners Insurance Cover Water Damage in Pennsylvania?
The most common question we hear from Lehigh Valley homeowners after a water event: will my insurance cover this? The answer is almost always it depends on how the water got in, and the difference between a covered event and an excluded event can be the difference between paying your $1,000 deductible and writing a […]
Does Homeowners Insurance Cover Mold Remediation in PA?
Homeowners insurance covers mold remediation in Pennsylvania when the mold resulted directly from a covered water damage event. When mold resulted from gradual leaks, flooding from outside, poor maintenance, or chronic humidity, coverage is typically denied. The mold itself isn’t the insurance question, the question is what caused the moisture that grew the mold, and […]
How to File a Water Damage Insurance Claim in Pennsylvania
Filing a water damage insurance claim in Pennsylvania correctly, from first call to final payment, requires more than calling your insurance company and hoping for the best. Claims filed with solid documentation, proper mitigation, and professional support are paid faster and at higher amounts. Not dramatically. But consistently. Here’s what the process actually looks like, […]
Does Homeowners Insurance Cover Fire Damage?
Yes, fire damage is one of the most clearly covered perils in standard Pennsylvania homeowners insurance. Under a standard HO-3 policy in Pennsylvania, fire is a named peril with broad coverage. If your home is damaged by fire, your HO-3 homeowners policy almost certainly covers it. The relevant questions for most Lehigh Valley homeowners aren’t […]
Does Homeowners Insurance Cover Sewage Backup Cleanup?
Standard Pennsylvania homeowners insurance does not cover sewage backup cleanup. This surprises many homeowners who discover sewage in their basement and assume, reasonably but incorrectly, that their homeowners policy will pay to clean it up. Without a specific sewer backup endorsement on your policy, the entire cost of professional sewage cleanup and rebuild is your […]
How to Tell If You Have Water Damage Behind Your Walls
Water damage inside walls is among the most expensive home repair scenarios precisely because it is hidden. By the time visible symptoms appear, a stain on drywall, paint bubbling, a musty odor, water has often been present inside the wall cavity for days, weeks, or longer, and mold may already be established. Knowing how to […]
Signs of Mold in Your Home, What Homeowners Need to Know
Mold in a home doesn’t always announce itself with dramatic black patches on visible surfaces. Most mold in Pennsylvania homes grows where it isn’t seen, inside wall cavities, under flooring, in attic insulation, in crawl spaces, and in HVAC ductwork, and the visible signs are often subtle until the infestation is already significant. Learning to […]
What to Do After a House Fire in Pennsylvania
The first hours and days after a house fire are disorienting. Smoke is still in your lungs. Your home may be taped off. Neighbors are staring. An adjuster is calling. A contractor just knocked on your door with a business card. In the middle of all of that, you have to make decisions that will […]
What to Do After a Flood in the Lehigh Valley
Flooding is the most common natural disaster in the Lehigh Valley, and one of the most damaging to homes. The Lehigh River and its tributaries have flooded repeatedly, and the region’s topography funnels significant runoff into low-lying neighborhoods during major rain events. Knowing what to do in the hours and days immediately after a flood […]