Frequently Asked Questions
About Property Restoration
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.
Firstly, contact a water damage restoration company as soon as possible. Don’t wait as water can cause mold and irremediable damage to the wood, walls, and carpet in your home. Afterwards, contact your insurance company to start the claim process. If safe, shut off the utilities in your home to avoid further damage. Don’t enter your home if it has suffered structural damage. Don’t walk through flood water if electricity hasn’t been turned off and to avoid contaminants.
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.
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.
Water can lead to more damage such as mold growth. Reputable restoration companies also extract the water from the damaged area as part of the fire restoration procedure.
[VIDEO] It depends on your specific policy. Call your insurance agent and/or adjuster to find out if the loss is covered in your policy.
https://youtu.be/bKrZnR8HzXE
[VIDEO] Yes, you will be responsible for your deductible. If the loss is a covered claim, your insurance will pay any covered invoices up to your policy limit minus your deductible.
Your policy limit is the amount of money available to cover your claim.
https://youtu.be/DB6qWLfmbL4
Food safety after a fire is a huge issue, so you should discard non-perishable food exposed to heat, smoke, and firefighting chemicals, as well as perishable food left at room temperature for too long. However, you might be able to salvage refrigerated and frozen food after a fire. You should also throw out medicines, cosmetics, and burned clothing.Inventory non-restorable items to support your claims. Be sure to include the name, cost, and the year each item was purchased. Photos documenting the loss are great too.
[VIDEO] It depends on the specific nature of the fire. The BEST plan is to have at least 1 "ABC" fire extinguisher in your home. They are rated for ever type of fire. If you know the fire does not involve electricity or grease (in a kitchen) or another type of fuel - then water is fine. If you have any doubt about your ability to put out a fire very quickly, the best course of action is to leave the home with all of your family and to call the fire department - from OUTSIDE of the home.
https://youtu.be/k4dBt7kX9tU
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.
Firstly, contact a water damage restoration company as soon as possible. Don’t wait as water can cause mold and irremediable damage to the wood, walls, and carpet in your home. Afterwards, contact your insurance company to start the claim process. If safe, shut off the utilities in your home to avoid further damage. Don’t enter your home if it has suffered structural damage. Don’t walk through flood water if electricity hasn’t been turned off and to avoid contaminants.
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.
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.
Water can lead to more damage such as mold growth. Reputable restoration companies also extract the water from the damaged area as part of the fire restoration procedure.
[VIDEO] It depends on your specific policy. Call your insurance agent and/or adjuster to find out if the loss is covered in your policy.
https://youtu.be/bKrZnR8HzXE
[VIDEO] Yes, you will be responsible for your deductible. If the loss is a covered claim, your insurance will pay any covered invoices up to your policy limit minus your deductible.
Your policy limit is the amount of money available to cover your claim.
https://youtu.be/DB6qWLfmbL4
Food safety after a fire is a huge issue, so you should discard non-perishable food exposed to heat, smoke, and firefighting chemicals, as well as perishable food left at room temperature for too long. However, you might be able to salvage refrigerated and frozen food after a fire. You should also throw out medicines, cosmetics, and burned clothing.Inventory non-restorable items to support your claims. Be sure to include the name, cost, and the year each item was purchased. Photos documenting the loss are great too.
[VIDEO] It depends on the specific nature of the fire. The BEST plan is to have at least 1 "ABC" fire extinguisher in your home. They are rated for ever type of fire. If you know the fire does not involve electricity or grease (in a kitchen) or another type of fuel - then water is fine. If you have any doubt about your ability to put out a fire very quickly, the best course of action is to leave the home with all of your family and to call the fire department - from OUTSIDE of the home.
https://youtu.be/k4dBt7kX9tU
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