Hurricanes are the most destructive natural disasters in the U.S. and preparing for them is your best bet to stay safe and protect your property. […]
Post-hurricane damage can be extensive, and restoration is not something a property owner should undertake without understanding the process. Here we’ve listed 5 frequently asked questions about what happens after a hurricane or tropical storm hits. The answers cover a variety of subjects including insurance coverage, timing, PuroClean services, payment, and the Federal Emergency Management Agency (FEMA). They can help you make important decisions about your property’s restoration.
Each insurance company has different policies and provides different levels of coverage. Typically, a homeowner’s policy does not cover flood damage. However, it will if you have an additional policy from the National Flood Insurance Program.
During a storm event, insurance companies can be overwhelmed by the volume of calls. It is typical for homeowners to start restoration services as soon as possible, in order to avoid additional damage. You should strongly consider having a professional company begin the restoration process, immediately following a damaging event.
In a catastrophic situation, we offer dry-out services, demolition of affected areas, and a treatment to deter mold growth. Many building materials that have come in contact with flood water will need to be removed or sanitized. For example, after saturation, drywall, carpet, and most flooring may need to be removed. This is so the structural wood can be cleaned and sanitized. Most of the cleaning products available from your local hardware store may not adequately sanitize for reconstruction.
PuroClean will quote the price based on the square footage of the affected area. Our goal is to provide the highest level of service and a price that is within our industry standards and insurance company guidelines. We will provide you with final billing that you can submit to your insurance company and/or FEMA. Your individual insurance coverage will determine the payment schedule for the work being performed.
If you do not have insurance through the National Flood Insurance Program, FEMA provides low-interest loans to homeowners to help repair the damage caused by catastrophic events. Please note that this does not cover the total cost of all repairs that are needed to restore your property to pre-loss condition.
As stated on the FEMA website: The National Flood Insurance Program aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners. Also, they encourage communities to adopt and enforce floodplain management regulations. These efforts help mitigate the effects of flooding on new and improved structures. Overall, the program reduces the socio-economic impact of disasters by promoting the purchase and retention of general risk insurance, but also of flood insurance, specifically.
If you or someone you know needs assistance with post-hurricane cleanup, contact PuroClean of Davie at (954) 233-1100