Homeowners insurance may help cover damage caused by leaking plumbing if the leak is sudden and accidental, such as if a washing machine supply hose suddenly breaks or a pipe bursts. However, homeowners insurance does not cover damage resulting from poor maintenance. So, if damage results after you fail to repair a leaky toilet, for example, homeowners insurance likely will not pay for repairs.
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.
If you’ve recently experienced a flood or pipe burst and have water damage in your home, you’re probably wondering “what happens now?” The first, and most important, step when dealing with water or flood damage is to stop any active leaks in the home. This can be done by shutting off the home’s main water supply. If you don’t know how to shut off your home’s water supply, call a professional plumber or your local water supply company for assistance. Once any active leaks have been addressed and all water has been turned off, it’s imperative you call a professional to start the water damage cleanup process as quickly as possible to minimize damage.
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.
The information and advice contained in this article is intended as a general guide for informational purposes only. It does not take into account your personal situation. While we at Resolve have significant experience and history operating in the home restoration industry and working closely with construction contractors, we are not licensed as a general or specialty contractor. We encourage you to consider the information we’ve provided but urge you not to rely upon it in place of appropriate professional advice from a licensed, experienced construction contractor.
You may also wish to hire a flood restoration service—you can find pros under “Flood” or “Disaster recovery” in your local phone book, or check with the Better Business Bureau, local Chamber of Commerce, or contractor recommendation sites, such as Angieslist.com or MerchantCircle.com. Look for those with Institute of Inspection, Cleaning, and Restoration Certification.
Dalworth Emergency Restoration Crews are available 24/7 to extract water, remove debris, dry out and repair your residential or commercial property quickly. Call us at 817-203-2944 if you have had a water loss and need assistance. We will dispatch our certified technician(s) to your home or office to resolve your water damage using our state-of-the-art drying equipment.
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Since you should notify your insurer soon as possible after the flood, it’s a good idea to keep your insurance company and local agent’s phone number in your always-ready emergency bag. (Note that the NFIP works through private insurance companies, so you contact your insurer just as you would for any other type of claim). In cases where a flood has affected a region or community, your agent may be busy handling his or her own flood issues. In that case, contact the insurance company’s headquarters.
Air movers help to ventilate the affected area, circulate air so that the moisture can be extracted by dehumidifiers and dry damp materials such as drywall and floors. There are a number of different types of restoration air movers and the best choice for you will depend on the planned application of the equipment. The ideal equipment should have the perfect balance of horse power and amp draw.