Working with insurance companies to cover your water damage repair can be a tiring and frustrating process. You need to be aware of the specifics in your insurance policy. Most companies require you to report and repair water damage in a timely manner in order to cover the costs. At Peniel, we have years of experience working with billing insurance companies. We are happy to be an advocate for you during this trying process.

Mold can develop within 24 to 48 hours of a flood, says Ashley Small of FEMA, so remove wet contents, including carpeting and bedding, as soon as possible. If an item has been wet for less than 48 hours, it may be salvageable. However, you’ll need to decide whether it holds enough monetary or sentimental value to try to do so. And notify your insurance company before removing items to ensure that you’re not affecting coverage. Always photograph the flood-soaked items.


You have to open up the wall to get at the mold growing inside. Since you have to repair the wall anyway, don’t hesitate to cut the drywall back beyond the obvious damage to find all the mold and let the wall dry out. To avoid cutting electrical wires, poke a hole through the damaged section and locate the wires first. Turn off the power to the outlets before you cut. Mist the moldy drywall and insulation with the pump sprayer to avoid spreading mold spores. Double-bag moldy material in heavy-duty plastic bags and tie them shut.
Water damage is one of the most common causes of home insurance claims. According to ISO, Water damage claims are the second largest frequent insurance claim, following wind and hail damage. The percentage of claims due to water damage is also increasing, while other causes of damage have stayed fairly consistent or even decreased. It's no wonder people have a lot of questions about water damage and what is covered on home insurance, and why things, like "gradual damage" are not covered. Things get even more complicated when we look at the exceptions.
Among the most common and most preventable causes of water damage are burst pipes. Burst pipes typically happen because of clogs and freezing. Prevent the damage by finding a family plumber to do annual inspections. Regular inspections and maintenance are a cost-effective, preventative measure. Installing new plumbing typically runs between $350 to $2,000.
Molds can also produce mycotoxins, which are toxic substances found either within or on the surface of spores. They can enter a person's system via ingestion, inhalation or skin contact. Aflatoxin B1 is the best-known mycotoxin. It is a potent carcinogen and inhaling it can cause lung cancer. The fungi Aspergillus parasiticus and Aspergillus flavus produce this carcinogen.
When water invades your home, it can be an overwhelming and stressful experience. When this happens, the best course of action you can take is to call a restoration company, such as Mr. Restore, immediately. As soon as we arrive on your property, our team can find the source of the problem, stop the water from coming in, and proceed with the water removal process. If you wait on contacting us, secondary water damage can occur, and mold formation could potentially begin. Our crew thoroughly dries any surfaces that have incurred water damage, such as wood, drywall and paneling.

The third type is black water, such as sewage or serious flooding from nearby rivers, etc. This water contains waste, bacteria and other serious contaminants. Black water can cause very serious health problems, and you shouldn’t try to clean it up yourself. It’s time to contact the pros for home water damage repair. Water damage cleanup cost rises to $7 per square foot.
The longer water damage sits untreated, the more likely it is that additional damage can occur. If it’s determined that drying equipment is needed, dehumidifiers will often be placed in the home to prevent against further damage like mold growth while the vendor is waiting for approval from the insurance company, if one is involved. Dehumidifiers can be present for one or multiple nights depending on factors such as the length of time the water has been present and the source of the leak. The contractor working on your home will be able to assess how long the dehumidifiers are needed.
Restoration dehumidifiers are an important piece of restoration drying equipment. Humid environments are ripe for the development of mold and bacteria, so drying them quickly and effectively is important. You can find a wide range of different types of dehumidifiers, varying in size and capacity and the choosing the right one will depend on the types of environments in which they are used.
Your insurance company will only pay for additional living expenses up to your policy's ALE dollar limits. Because repairs on your home can sometimes take months, monitor your expenses carefully to make sure you have enough ALE to cover the entire time you’ll be out of your home. If you reach your policy's ALE dollar limits before your home is fully repaired, you’ll have to pay the rest of the expenses out of your own pocket.

Any mold professional should be able to explain your mold removal project in plain English.  If a contractor is unable to explain the basic processes and steps of mold remediation and mold removal in layman’s terms, be very wary!  If someone tries to complicate and confuse you about the process and scare you into hiring them, walk away and say, “Thanks, but no thanks.”


Ceilings exposed to water damage are more at risk due to gravity: You don’t want them sagging or collapsing. So, remove affected ceiling panels or boards first. If the ceiling leak is caused by a roof problem, it’s important to find the true source of the leak, which may be somewhere far removed from the water stain. And take this time to make sure the water caused no structural damage to beams or rafters. You can contact professionals to find out what replacing a water damaged ceiling repair cost job runs.
Ice dams and other roof problems can also cause water damage to siding materials as well. Here, the biggest danger is water seeping in behind your siding and causing permanent damage to more vulnerable materials. So if this happens, you will need to remove or replace the siding quickly before rot sets in. Water can also seep in behind faux stone and other external walls around your home. So it’s important to be thorough in this inspection.

When a disaster of this magnitude occurs, the first things a plant will need are lighting and pumps. This requires the use of on-site generators and temporary power connections. It's highly recommended to not allow the plant distribution system to be back-fed. If a motor is required to turn a pump, a portable motor starter fed by the generator should be installed on a temporary panel next to the motor.

"One of the biggest problems—especially in Houston in the summer—is going to be mold," says Tyler Drew, a Los Angeles real estate agent and investor. "The longer a house sits with water, the worse the mold infestation. Affected areas have to be removed, the wood and concrete treated with anti-mold agents, and all of this has to be done after the house is sealed, in order to prevent the infestation from spreading and sickening people."


In the United States, those individuals who are affected by widescale flooding may have the ability to apply for government and FEMA grants through the Individual Assistance program.[1] On a larger level, businesses, cities, and communities can apply to the FEMA Public Assistance program for funds to assist after a large flood. For example, the city of Fond du Lac Wisconsin received $1.2 million FEMA grant after flooding in June 2008. The program allows the city to purchase the water damaged properties, demolish the structures, and turn the properties into public green space.[2]
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