Insurance Doesn’t Solve Everything!
While most homeowners know to file an insurance claim when disaster strikes, they often don’t realize there are situations where filing a claim can hurt more than it helps. Water damage claims, in particular, can come with unexpected consequences, leaving you in a worse position than before.
What Are the Risks of Filing a Water Damage Claim?
Water damage claims might seem like the obvious solution, but they can have long-term repercussions. Here’s what you need to know:
1. Risk of Policy Cancellation
Many insurance companies view water damage claims as red flags. Even after covering your initial claim, they may cancel your policy due to the potential for future problems, such as mold growth or structural damage.
- Mold, in particular, is a major concern for insurers because it’s costly to remediate and can spread rapidly if not addressed immediately.
- Losing your policy could make it harder to secure affordable coverage in the future, as new insurers may see you as a high-risk customer.
2. Increased Premiums
Even if your policy isn’t canceled, filing a water damage claim often leads to higher premiums. Over time, these increased costs can outweigh the initial payout from the claim, making it a less-than-ideal solution.
3. Coverage Limitations
Insurance policies are highly specific about what they cover. If the damage is caused by something not explicitly listed in your policy, your claim will likely be denied.
Why HVAC Overflow Damage Is Often Uncovered
HVAC overflows are a common cause of water damage, but they’re rarely covered by standard homeowners’ insurance policies. Here’s why:
1. Not a Covered Peril
Insurance policies only cover specific "perils" listed in the policy. HVAC overflow damage is generally considered a maintenance issue rather than a sudden, accidental event. If it’s not explicitly listed, it won’t be covered.
2. Deemed Non-Accidental
Most insurance companies categorize HVAC overflow damage as "non-accidental," meaning it results from neglect or poor maintenance rather than an unforeseen incident.
- Regular maintenance of your HVAC system, including cleaning the drain pan and drain lines, is considered the homeowner’s responsibility.
- If a claim is filed and the insurer determines the damage could have been prevented with proper upkeep, the claim will likely be denied.
Without regular maintenance or preventive measures, clogs in the drain line can become nearly impossible to clear manually, leaving you vulnerable to costly water damage.
How iFLO Can Help Prevent These Issues
iFLO is a smart device designed to eliminate the risks associated with HVAC overflow damage. By automating the maintenance process, iFLO ensures your system remains clog-free and operates efficiently year-round.
What Does iFLO Do?
iFLO dispenses a non-corrosive, enzyme-based cleaner into your A/C drain pan and drain line on a regular schedule. Here's what iFLO has to offer:
- Prevents Clogs: By stopping bacterial buildup before it starts, iFLO keeps water flowing freely through the system. No more risk of shutdowns or overflows caused by clogs. iFLO enzymes keep HVACteria (zooglea bacteria, dust, and other germs) away so you don't have to deal with it.
- Automates Maintenance: Clogs can form as quickly as every two weeks, requiring frequent cleaning to prevent overflow. iFLO eliminates the need for bi-weekly, monthly, quarterly, etc. manual cleaning, saving you time and effort.
- Protects Your Home: With iFLO in place, you can avoid the water damage that leads to costly repairs and insurance claims.
Why Choose iFLO?
- Peace of Mind: iFLO ensures your HVAC system is always protected, reducing the need for maintenance and risk of unexpected damage claims.
- Cost Savings: By preventing clogs and overflow damage, iFLO saves you money on repairs, higher insurance premiums, and potential policy cancellations.
- Convenience: iFLO’s automated schedule means you never have to worry about cleaning your drain lines manually again.
Stay Protected with iFLO
Filing a water damage claim might seem like a quick fix, but the long-term consequences can be costly and frustrating. With iFLO, you can avoid these risks altogether by proactively maintaining your HVAC system and preventing clogs before they cause damage!
Take control of your home’s safety with iFLO—because prevention is always better than repair.
Save Your Home With iFLO!
