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.
One of the first things that you need to do as soon as you notice water damage to your ceiling is to locate what is causing this problem. In order to prevent any future damage you have to fix the problem. After the problem has been fixed then you can clean up the mess. The problem with water damage to your ceiling could be something as simple as drying the ceiling or as serious as removing mold from the ceiling. The last thing you do is focus on is any cosmetic repairs or structural damage to the ceiling.
Finding the problem
This is the first step in repairing your ceiling. Having leaking or busted water pipes or a leaking roof are the two more common problems of water damage on your ceiling. Other more noticeable causes can include bathtubs and sinks left unattended while on and overflowed. It could also be overflow from a clogged toilet. You may be able to find the cause for the water damage if you are familiar the structure of the home. If you cannot find the cause, you should contact a plumber to find the cause.
After the problem of the water damage to your ceiling has been taken care of, you need to see if it caused any structural damage and have it fixed by yourself or a professional.
Water Damage Restoration - WRT Exam
Getting Water Damage Invoices Past Insurance Adjusters
The Water Damage Restoration Technician test by the IICRC (Institute of Inspection, Cleaning and Restoration Certification). Water Damage Restoration Technician is a designation that a professional restorer needs to prove that he or she is compiling with the most prevalent standards in the restoration industry. It has become increasingly important for a professional who is performing water damage restoration services to have "WRT" designation. Most companies that hire you require it and insurance companies that hire the companies that provide the service require that their technicians be certified.
Since I first took my class ninteen years ago, the material and the test have evolved greatly. There is a lot more information. The class used to be a two day class, but now it is a three day class. There are also five day classes offered that let you take the WRT/ASD (Applied Structural Drying) together. The newest WRT update was published in April of 2006. It is approved by ANSI (Approved National American Standards).
Important items you should know about the test:
Get the book from your teacher prior to attending the class (if possible). Read a few pages everyday. Usually the highlighted parts in the manual are extremely important to know and will defnitely be seen on your test.
C) All of the above
D) None of the above
(7) What does H.A.T.T an acronym for?
A) Hot, Alveolar, Temperature, Test
B) Hydrostatic, Absorption, Toxicity, Threshold Limit Value
C) Haitian Cotton, Absorption, Textile, Temperature
D) Humidity, Airflow, Temperature, Time
It isn't as easy as you think. If you have taken the carpet cleaning technician test before or the upholstery cleaning technician test before, you should know that unless you have a background in Biology, you will have to study hard to pass this one.
Since I received a deluge of requests from people wanting to know the answers to test for CCT. I thought I would just add a link on the my website with the answers. Visit the Magic Wand Company website below and select the Article tab then WRT Test Answers.
The purpose of the test is to make sure that a technician learns as much as possible to do his/her job well. I would be happy to help you in your endeavor to learn. Whether you need carpet cleaning supplies or restoration supplies or not, you are welcome to contact me.