Will my homeowners insurance cover water damage?

[VIDEO] Homeowners insurance provides coverage for damage that is sudden and accidental (such as water heater ruptures or pipe bursts). However, flood damage, no matter the source of the water, is NOT covered by standard homeowners policies. Flooding can occur from storms, sewer backup, and overflowing rivers, ponds, lakes, and oceans. However, you can purchase flood insurance through the National Flood Insurance Program. Note that water damage that results from lack of maintenance is not covered on a standard homeowners insurance policy.

 

How fast can mold form on water-damaged drywall?

[VIDEO] Mold can grow on the surface within 24 to 48 hours.

 

How do you avoid water damage in your home?

[VIDEO] You can avoid water damage by cleaning gutters and downspouts, checking your appliances regularly, upgrading washing machine hoses, checking your water pressure, monitoring your water bill, etc.

 

Can water cause damage to laminate flooring?

[VIDEO] Yes. Water can cause swelling, warping, delamination, and joint line separation, but it is best to contact an emergency restoration specialist to make the final determination before assuming that the laminate is damaged.

 

Do you clean water damaged furniture?

It depends on the material and how long it was wet. We can assess this for you during a visit. Move furniture to a dry area or put it on blocks so it can begin to self-dry as soon as possible.

Does renter’s insurance cover water damage?

[VIDEO] Every Insurance policy is different. You should contact your broker/agent or your insurance company to determine the amount of coverage that you have. For the best possible service to restore all aspects of water and/or mold damage call The Professionals at PuroClean.

 

What are the types of water claims?

There are three basic “types” of water damage, based on the level of contamination. 1-Category 1 (Clean Water): from a damaged pipe or hose. 2-Category 2 (Grey water): this is from an overflowing washing machine or dishwasher or sump-pump failure. 3-Category 3 (Black Water): sewage and all flooding where the water comes into the home from the outside. This water is grossly contaminated. No porous materials damaged by such water can be saved. Such a loss may involve some demolition of drywall that has been contaminated.

Can warranty cover water damage?

Warranties offer a variety of coverages. Check your warranty and/or call the “help” number for the company offering the warranty.

Does homeowner’s insurance cover water damage from ice dams?

[VIDEO] Every Insurance policy is different. You should contact your broker/agent or your insurance company to determine the amount of coverage that you have.

 

Does homeowner’s insurance cover water damage from the roof?

[VIDEO] Every insurance policy is different. You should contact your broker/agent or your insurance company to determine the amount of coverage that you have.

How long does it take for a carpet to dry after water damage?

[VIDEO] Most carpet in homes is installed over pad. Both of these materials need to dry completely, and quickly or mold could develop. It is important to extract as much water as possible from both carpet and pad. This requires specialized equipment and should be done by professionals such as PuroClean. PuroClean professionals will also know if the carpet/pad need to be removed because of contaminants that were in the water. After professional extraction the drying time will depend on the type of carpet and pad. PuroClean ensures that these flooring materials are dry as part of the water mitigation process.

How long does it take for drywall to dry?

There are many variables that affect the time for drywall to dry after being wet. Normally it will be returned to a dry condition in two – three days, but that will vary with each situation.

Can you salvage a flooded house?

There are many variables that determine whether a flooded home can be saved: the amount of water is one, even more important is the amount of time the water was in/around the home. Every situation is different!

What happens and what are the effects when water floods my home or business?

Water from outside the structure is contaminated and should be handled be professionals such as PuroClean. Even if the water was not from outside if it is there for an extended time then many materials will need to be removed because of the increased contamination from long-standing water. Drywall will soften and may fall, especially from ceilings. Carpet, pad and other floor coverings may need to be removed. Every situation is different! For the best, specific advice, please call your local PuroClean as soon as the damage is discovered.

Do I have to leave my home or close my business during the restoration?

That depends on the amount of damage. It there is extensive damage it will not be possible to occupy the structure. However, every situation is different!

Why does PuroClean Emergency Recovery Services need access to my house or business?

Initially PuroClean needs to get into the home or office to do the emergency remediation and mitigation work. Then, during the drying process, PuroClean will need to return each day to monitor the progress and to adjust equipment to achieve the best results in the shortest amount of time.

Why is my property monitored so often?

Daily monitoring is one important aspect of the process. Industry Best Practices require this monitoring to insure that the drying process is proceeding properly.

Is it okay to leave the equipment running all the time?

Yes! It is important that the equipment run 24 hours every day. This will provide the best possible drying process.

Can I turn the equipment off at night to save money or to reduce noise?

It is important that you NOT turn the equipment off. The drying process is most effective and most efficient when the equipment is allowed to run 24 hours every day. This will allow PuroClean to complete the job as quickly as possible and then all equipment will be removed.

Is it okay for me to open the doors and windows?

Please do not open doors or windows. The equipment selected for every job and the process are based on having a “closed drying system.” Opening doors or windows will upset that process and may extend the drying time (and the charges) significantly.

Do I need to find a reconstruction contractor to do the repairs after the water restoration is done?

Many PuroClean Professionals provide Full Service to you including the replacement or repair of any structural items that have been damaged. Consult your local PuroClean office to see if they provide Full Service.

How do you get water-damage smell out of carpet?

[VIDEO] For a small area, you can mix one cup of vinegar and 2 cups of water and spray on the area. If your entire carpet is damaged, you should call in a water mitigation company, such as PuroClean, to take care of the damage.

 

 

Do you fix water damaged wood floors?

Yes – including subfloors, reconstruction and refinishing. The repairs needed depend on many factors.

Do you get water out of carpet?

Yes – we have a system for removing water from carpets, but sometimes carpets and pads must be replaced after getting wet. If mold is present, this can also affect the outcomes. If the water was clean and we can dry and sanitize them, they can sometimes be saved.

How do certified technicians typically handle water damage?

The first thing professionals do is remove damaged materials that will either be restored or discarded. Materials include baseboards, insulation, furniture, carpeting, upholstery, carpet padding, fragile woods, drywall, and more. After the damaged items are removed, the technicians begin drying out the water and disinfecting the areas. Specialized tools like air movers and dehumidifiers are typically involved in the drying process. Professionals will also handle mold damage in the restoration process. Mold-infected surfaces will be disinfected and restored as quickly as possible to prevent it from spreading.

Can you make a house flood proof?

It’s impossible to make your home flood proof, but you can take several measures to prevent flood damage.

How can you protect hardwood floors from water damage?

Remove wet moist or damp items, wipe up spills, fix any plumbing leaks, control the humidity in your home, reinforce the sealant, when cleaning your floors make sure you dry the floors completely.

How can you prevent water damage on the roof?

Replace missing shingles, clean gutters, inspect vents, valleys, chimneys, pipes, skylights, etc. You should also check your attic ceiling and remove ice buildup during heavy snow.

How can you prevent water damage in shower walls?

The bathroom is a prime area for water damage, since almost everything you do in there involve water use. To prevent water damage, you can replace torn shower curtains, dry the floor and drain water from the tub after use, check for leaking pipes, and ensure that the grout and caulking are in good condition.

How do you prepare for claims adjuster water-damage home visit?

Contact your insurance agent and/or adjuster and they will tell you everything you need to have ready to ensure the claims process is smooth.

How can you inspect for water damage behind walls?

Check the surface of the wall for water stains, peeling paint, or warping. Push on the wall lightly – if it’s soft and spongy, that’s an indication of moisture damage. Then, take the smell test. If the wall smells musty, like rotted leaves, it is a telltale sign of water damage.

How can you determine water damage in a house?

You can check the walls and ceilings for water stains, the floors for warping and buckling, and the pipes for corrosion, leaks, missing grout, and mold. Attics and basements may have damaged flooring, mildew or mold, dampness, and odors. Also, be sure to inspect the exterior of the home for cracked roof tiles, puddles, standing water, and whether the ground is sloping away from the house.

How do you correctly repair water-damaged subfloor?

First you have to remove the damaged floor material, add the framing as needed, then measure, cut, and fasten new plywood.

How do you identify water damage on tile floor?

An easy way to tell if your tile floors are water-damaged is by checking to see if any tiles are darker in color than the other tiles.

How do you assess water damage when buying a house?

You should get a professional home inspector to determine if there is water damage and the extent of the damage. A contractor can estimate the repair cost.

Can I add water damage to my home insurance?

You may be able to add water damage coverage to your insurance policy. Contact your insurance agent and/or adjuster to find out if you’re eligible for coverage.

Does homeowner’s insurance cover water damage?

Homeowner’s insurance provides coverage for damage that is sudden and accidental (such as water heater ruptures or pipe bursts). However, flood damage, no matter the source of the water, is NOT covered by standard homeowner’s policies.

 

 

Why is water damage dangerous?

Floodwater that comes from outside and from sewage backups contains dangerous contaminants like viruses and bacteria. If the water isn’t drained within 24-48 hours, structural damage and mold growth can ensue. Even water leaks that infiltrate your home slowly can cause damage to the building and lead to mold growth. Mold left unchecked will spread quickly through the home.

What causes water damage?

Water damage can occur after natural disasters, such as thunderstorms or hurricanes that cause flooding, from pipe bursts, appliance malfunctions, roof leaks, foundation leaks, septic tank overflows, poor drainage, and more. Flash flooding, pipe bursts, and sewage backups are especially dangerous as they can produce several inches of water in less than a day.