Whether your water heater fell over, the kids forgot to turn off the bathtub faucet, the normally serene river down the road has burst its bank, or a 24-foot storm surge in Lampasas has wiped out your home, Water Damage happens. In fact, that’s why many homeowners carry insurance – to protect their homes from unpredictable catastrophes.
Unfortunately, one man’s catastrophe is another man’s problem. This is true especially when dealing with your insurance company over Water Damage Restoration claims. Is it a catastrophe or is it your problem? Is the flood event covered or not?
Most homeowners in Lampasas insurance policies exclude certain types of flooding so it’s useful to review your policy before and during the water restoration claims process. If you have National Flood Insurance, you should be prepared with that information as well.
Water damage and restoration claims are subject to all kinds of rules and loopholes and your insurance company knows exactly what they are doing – do you? If you’re getting the runaround from your insurance about a restoration claim, don’t take their word for it. Read your insurance policy and find out exactly what is covered. You pay your premiums for the service that the insurer provides. When it’s time for restoration for a covered loss, you don’t deserve to be short changed.
While many water claims are specifically excluded from an insurance policy, not all are. During hurricanes and major storms, some water damage is specifically excluded such as water damage from a storm surge. However, if your roof blows off and the rain damages the interior of your home, then the water restoration would likely be covered. Beware of the insurance agent that wants to classify damage as something other than it is. For example, if the agent claims the water damage is due to storm surge when it’s clear that the reason the home is water damaged is because the roof blew off, then stick up for yourself and demand that the adjuster look at the obvious.
In these cases, restoration compensation could be less than what’s needed thanks to an insurance adjuster whose eyes are on the bottom line, not what you are entitled to under the terms of your policy. Get a professional involved if you need help. Public insurance adjusters can act on your behalf and get a better settlement offer while specific contractors, such as roofers and rebuilders, can document the damage, make reasonable efforts, and back you up when you’re filing a restoration claim.
Your insurance company wants to save a few bucks while you want to make sure that you can restore your property. You are at odds with each other even though you are business partners. Get a third party involved and ensure that your restoration goes the way it should.
Dealing with water damage can be a traumatic experience. You feel a loss of control in your own home! The feeling only gets worse if you have a company come in and rip apart your walls, carpet, furniture, and rummage through your personal items! After dealing with all this aggravation and more, you get "rewarded" with a bill for $1,000's!
This does not have to be your experience with water damage.
You already have the ability to clean up your own water damage, you just need the know-how! Below is a step-by-step skeleton of what the actions you should take in remediating your own water damage.
Ensure Your Furniture is Safe- Check for structural damage and if water affected absorbent areas.
Drying Equipment- You will need to use air movers, fans, and dehumidifiers after you finish the demolition and restoration process. These pieces of equipment will allow your home to dry properly.
Deal with Insurance Companies- After you remediate your water damage, you will have to deal with your insurance company and make sure the insurance company pays you the money you deserve!
Water Damage Restoration
Water Damage Restoration
Water Damage Defined
Water damage can be defined as the damage to real estate or personal property by the encroachment of water. Flooding is a somewhat common occurrence with homes and businesses. Whenever flood damage happens, it can be a traumatic experience for the resident. In some cases, the resident is required to leave their business or residence until the restoration work is completed. This can, at times be a large inconvenience to the resident and can result in loss of income to the business.
How Water Problems Occur
There are many reasons that a home or business could become water damaged. One way water damage can occur is because of flooding due to rainstorms or other water accumulations. A second way that water damage can occur is due pipes and interior plumbing in buildings breaking and leaking water. This kind of damage can occur quickly, as in the case of a pipe breaking and suddenly discharging water or slowly due to a slow leak in a pipe that leaks for weeks or months until it's discovered. Whatever the initial cause for the water damage, it is important that the leak is stopped and the property is dried as soon as possible. Otherwise, additional damage may occur in the form of mold.
What To Do When an Emergency Occurs
When the property owner discovers that flooding or discharge of water has occurred on their property, the first thing they should do is, if possible, stop the leak by turning off the water. They should then contact a professional plumber immediately if the cause of the flooding is because of a pipe leak. If necessary, the plumber might need to call in a water damage restoration company to dry and remove the water from the property and restore the property to its original condition. It is absolutely critical that the property owner not delay in calling in professionals as the longer the water is allowed to remain, the higher the probability that mold will grow. If mold is allowed to grow on the property, the scope of the damage is greatly increased as is the cost to repair the damage.