Public insurance adjusters are independent adjusters who help people negotiate claims with their insurance companies. Public adjusters work for you, not the insurance company. They charge you a fee for their services. The fee is usually a percentage of the claim and is subtracted from any settlement you get from your insurance company. You don't have to hire a public adjuster.
When industrial facilities are faced with such a catastrophic event, specific and detailed steps must be taken to return the facility to productive operation. In the wake of this type of natural disaster, it's especially critical to analyze and repair the electrical power system in a safe and logical sequence (see SIDEBAR: Temporary and Emergency Power). Following is an overview of how to approach recovery operations of electrical equipment after a flood.
Understand that there are several people who represent the insurance company during a claim, so you want to know where the decision is coming from. Was it your agent who told you, the insurance adjuster, or a contractor? Each person plays a different role. Don't be afraid to request clarifications to avoid misunderstandings. When a claim is denied, you will normally receive something in writing advising you of the official decision.
Policyholders don’t want hassles. We’ll make sure you get the coverage you paid for, remove the headache of having to work with your insurance company, and streamline the entire process. You have enough to worry about; we’ll work with your insurance company to achieve your complete satisfaction. In fact, we’ll usually do a survey with the insurance companies to make certain each and every policyholder gets everything they are entitled to get.
"Using truck-mounted vacuums with 2,000 horsepower, and dehumidifiers, we can extract moisture from furniture, hardwood, tile, even Sheetrock," Kent says. Even electronics like TVs and laptops may still operate after a thorough drying. "In fact, when carpet gets wet, people think it's ruined, but it actually ends up stronger than when it was made," Kent says.
Hurricanes and river flooding are common natural causes, as are high water tables and improperly graded ground. Installing a sump pump and water alarm are sensible preventions in areas with high water tables. The sump pump will pump water from under the foundation to drain it away from the home and averages about $1,200 to install. The sump pump itself will cost between $50 to $400. Also, ground that slopes towards the basement of the home can lead to leakage in the basement and increased stress on sewage systems.
The European-American community was founded by David Hill, Isaiah Kelsey, and Richard Williams, who arrived in the Tualatin Valley in 1841, followed by six more pioneers in 1842. The locality went by two other names—East Tualatin Plains and Columbia—before it was named “Hillsborough” in February 1850 in honor of Hill, when he sold part of his land claim to the county.
At Dallas Water Damage, we pride ourselves with superior workmanship and consistent quality of service. With our 24 hour emergency call-in service, we offer free consultation advice on our water damage services as well as our carpet cleaning options. We understand the importance of having a 100% bacteria and virus free home in order to avoid health risks for our family. That’s why, aside from water damage services, our professional technicians also perform regular household cleaning and disinfecting.
While you have no control over natural water-related disasters, you can take all the preventative measures possible ahead of time to minimize their effect on your home. Flash floods, sudden storms and hurricanes can all trigger water buildup. Prompt attention by contacting The Water Damage Experts as soon as you can after a weather-related issue will help lessen the time for water damage to occur.
There are also several classes of water damage. The class of damage is important when assessing water damage repair options. Class 1 is the least harmful form of damage. Materials absorb very little of the water from this type of damage. Water damage repair is the easiest in this type of situation. Class 2 has a fast rate of evaporation, which means that carpets and cushions may be damaged. Water damage repair is more difficult when it involves class 2 damage. Class 3 has the fastest rate of evaporation. In this case, the water may come from broken sprinklers or other overhead sources, soaking the walls and furniture. Class 4 requires special water restoration and water removal procedures. This type of damage may affect hardwood floors, plaster, and concrete.
From wet carpets to swollen floorboards, it’s often evident when water has damaged your floor. But if you aren’t sure, it’s important to check immediately in case moisture has become trapped underneath. Note that underlayment and padding are particularly susceptible to water damage and must usually be removed. However, this also presents an opportunity to install new, waterproof flooring in the area. Ceramic tile, high-end vinyl and certain engineered wood materials can all help protect floors against future water damage repair.
Even a competent DIYer should have a qualified professional assess the damage first — making sure no part of the cleanup is missed. Before doing anything, check with your insurance company — they may require a licensed assessment. Don't wait. As soon as you detect any damage, call a professional. With time, each class and category quickly degrades into something worse.
No type of flood damage, no matter the source of the water, is covered by standard homeowners policies. Flooding, for example, can occur from storms, over-saturated ground, overflowing or surging bodies of water such as rivers, ponds, lakes and oceans. You may be able to purchase a separate flood insurance policy through the National Flood Insurance Program.
Water damage restoration is often prefaced by a loss assessment and evaluation of affected materials. The damaged area is inspected with water sensing equipment such as probes and other infrared tools in order to determine the source of the damage and possible extent of area affected. Restoration services would then be rendered to the residence in order to dry the structure, sanitize any affected or cross-contaminated areas, and deodorize all affected areas and materials. After the labor is completed, water damage equipment including air movers, air scrubbers, dehumidifiers, wood floor drying systems, and sub-floor drying equipment is left in the residence. Industry standards state that drying vendors should return at regular time intervals, preferably every twenty-four hours, to monitor the equipment, temperature, humidity, and moisture content of the affected walls and contents.