Though not the most common precipitator of water damage repair in the NH, storm flooding can cause serious short term and long-term problems to your residential or commercial property. The likelihood of flood-water damage to your property is rising, and property owners need to be prepared to deal with this very real possibility. Flooding from seasonal storms is more common than you’d think, and the problems that arise from it need to be addressed as quickly as possible.
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.
In addition, it’s important to have a working flashlight and turn off all water and electrical sources within the home, says Dr. Maurice A. Ramirez, author of “The Complete Idiot’s Guide to Disaster Preparedness.” Even if the power isn’t operational, it’s a good idea to go to your fuse box and turn off the main, plus all of the individual fuse connections. That way, if the power is reactivated, you’re not at risk for mixing standing water and electricity.
BRAVO – job well done! Discovered a flood at home in San Francisco – water had been over flowing a 2nd floor sink for 15 hours. Contacted Allied, signed work order on line and workers were at the house within 15 minutes. They brought a truck load of equipment to mitigate the damage. Drying fans were installed, heating pads were placed on hardwood floors, walls and ceilings were opened and drying and dehumidifying tubes installed. Excellent, professional care. Very pleased with their swift delivery of emergency service AND their attention to detail to ensure the water damage was dried out completely.
Locate and repair the source of the leak. The source of the problem is usually apparent once you remove the drywall and expose the framing. If the leak source is not easily determined, consult a licensed contractor before you replace the drywall. You must repair the cause of the leak or mold and mildew will eventually reform over the new drywall. An unresolved leak may also create additional damage to framing, insulation, siding and flooring.
The resulting damage is a different than the initial damage.For example, if water damage resulting from a broken pipe, or appliance is listed in your wording as covered, then you may be compensated for a portion of the damages caused even though the deteriorated pipe replacement or a new appliance would not be covered. This is an example the cause of the damage not being covered, but the resulting damage being covered.
Surface molds grow in just about any damp location, such as the grout lines of a ceramic tiled shower. They’re easy to scrub away with a mold cleaner mixture of 1/2 cup bleach, 1 qt. water and a little detergent. In mold remediation, the bleach in the cleaning mixture kills the mold, and the detergent helps lift it off the surface so you can rinse it away so it won’t return as fast. You can also buy a mildew cleaner at hardware stores, paint stores and most home centers.
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.
Heavy rain, rapidly melting snow, rising rivers, and breaches in levees or dikes can cause vehicle flood damage and the need for difficult and expensive auto repairs. Once floodwaters rise above the vehicle door openings, extensive disassembly may be required for cleaning. To avoid causing additional problems, never attempt to start a flood-damaged car until a thorough vehicle inspection has been performed by a qualified technician.
If it snows where you live, be wary about the formation of ice dams on your roof. This happens when the heat inside your home causes water to melt in the middle of your roof. The water then refreezes near the edges, forming a dam that prevents melting snow from draining off the roof. The water that backs up can leak into your home and damage ceilings, walls and other areas of your home. To prevent ice dams from forming, insulate your attic to keep heat from rising and reaching the roof.
Coastal Surge: If you live by the ocean, rising tides and seasonal storms can cause flooding to your property. When a high tide corresponds with a storm, it can be a recipe for disaster. As well as those right along the coast, other properties set slightly off from the ocean can also be at risk. High winds from the storm can also help water infiltrate and damage buildings and land.
Before you remove any water or make any repairs, fully document the damage for your insurer by taking photos or video. Digital versions are best, says Ramirez, because they can be stored electronically and easily copied. If you start removing water or making repairs before you photograph the damage, you could potentially decrease the extent of your coverage, he says.
It’s important to understand the differences because Category 2 and Category 3 water present health risks to your employees and customers and need to be handled differently. The most likely sources of clean water would be water from a pipe, water heater, steam lines or even rainwater. The basic rule of thumb is that it should look and smell like tap water.