Post-hurricane damage is often extensive, and restoration is not something a property owner should undertake without understanding a bit more about the process. The answers to the frequently asked questions below regarding insurance coverage, timing, PuroClean services, payment, and the Federal Emergency Management Agency (FEMA) will help you make important decisions about your property’s restoration.
Is hurricane damage covered by my insurance company?
Each insurance company has different policies and provides different levels of coverage. Typically, flood damage is not covered by your homeowners policy, unless you have an additional policy from the National Flood Insurance Program.
Should I wait until I have heard from my insurance provider to begin the restoration process?
During a storm event, insurance companies can be overwhelmed by the volume of calls. Most of them expect the homeowner 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.
What services does PuroClean offer?
In a catastrophic situation, we offer demolition of affected areas, a treatment to deter mold growth, and drying of the structure. Many building materials that have come in contact with flood water will need to be removed or sanitized. For example, drywall, carpet, and most flooring will need to be removed so that 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.
What do these services cost?
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.
What will FEMA cover?
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 and by encouraging 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 your local PuroClean office for assistance.