If the kitchen water damage was the result of a sudden and accidental event, like the examples listed above, then insurance companies will pay for water damage cleanup and repairs to any affected areas, like cabinets, floors, and walls. They might even cover an entire home remodel!

Will insurance cover cabinets?

If you have actual cash value coverage, your insurance will cover $1,500, the estimated current worth of the cabinets. You will be responsible for the deductible of $500, and if you want to restore your cabinets to the previous standard, you will be responsible for the additional $6,500 in repair costs.

Can you use insurance money for something else?

Your insurer fulfilled their responsibility to you by paying out the claim, and, as long as your policy and your state’s laws allow it, you can keep the money for other uses. If the damage to your car was just cosmetic and you’d rather spend the money for repairs on something else, you might choose to do this.

How do you clean water damaged kitchen cabinets?

Here are some typical steps a water damage professional will utilize to effectively dry out cabinets:

1. Remove all items from the cabinet.
2. Remove excess water pooling inside cabinets.
3. Take off cabinet doors.
4. Utilize drying equipment.
5. Reduce humidity.
6. Dry the hidden spaces.
7. Prevent mold contamination.

Is there insurance for water damage to kitchen cabinets?

Kitchen cabinet water damage insurance coverage will vary depending on the extent of the damage and your particular insurance policy. Sometimes water damage only affects a portion of the cabinetry and other times contractors will need to completely remove the cabinets in order to access water damaged drywall behind them.

Can you replace kitchen cabinets after a flood?

Overall, with most insurers, Jansen says, “If you make a compelling argument, typically they listen.” However, the issue of full replacement after a partial loss gets a bit tougher with flood insurance claims. Say, for instance, flood water ruins the bottom kitchen cabinets, but not the upper cabinets.

What happens if you have water in your kitchen cabinets?

Over time, water can destroy the outer shell of your kitchen cabinets, damaging the finishing and darkening the wood. In some cases, water damage can also render your cabinets useless, especially in cases where you’re dealing with a water leak in the cabinets under your kitchen sink, or a similar issue.

Is it possible to repair MDF kitchen cabinets?

While it is possible to learn how to repair water damaged MDF or plywood kitchen cabinets, especially if the repairs are minor, it’s always smart to hire a professional to evaluate the damage and help you come up with a plan of action. With that in mind, here’s what you need to know about water damage in your kitchen cabinets.