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.
If the moisture damage has been neglected or gone unnoticed for long, you’re likely to find rot. Where possible, remove and replace soft, spongy studs and wall sheathing. Where removal is difficult, treat the affected areas with a wood preservative (available at home centers), after cleaning the wood and allowing it to dry. Then double up rotted members with pressure-treated wood.

Assessing the severity of the damage is important for determining what is needed to start water damage repair and water removal. There are several different categories assigned to water damage. Category 1 refers to clean water, or water that does not pose a threat to humans. Possible causes of this type of damage include broken appliances or sink overflows. Category 2 water is also called gray water. This means that the water is contaminated and may cause sickness of ingested. This type of water contains microorganisms. Broken toilets, broken sump pumps, and seepage may cause category 2 water damage. Category 3 water is known as black water. This type of water is unsanitary, as it contains bacteria and other organisms that cause sickness. The possible sources of black water damage include sewage problems and contamination of standing water.
Indoor and outdoor pipes and faucets. Routinely check indoor pipes under cabinets and sinks for leaks, rust, and any signs of deterioration. Minimize the potential for water damage from frozen and broken outdoor pipes by insulating supply lines (in attics, crawlspaces, and exterior walls), protecting exposed outdoor faucets, sealing gaps in exterior walls, and maintaining adequate heat in your home.
Our technicians are certified by the Institute of Inspection, Cleaning and Restoration Certification (IICRC), which is the hallmark of professional knowledge in the cleaning and restoration industry. You will be able to tell the difference: Rainbow International emergency water damage crews use state-of-the-art equipment and we employ Rapid Structural Drying techniques to dry your structure as quickly and completely as possible.
Though a competent DIY homeowner may be able to clean up and repair some damage, it's important to have a professional assess it first to determine the extent and any underlying conditions. Missing even a small amount, or its causes, can lead to costlier repairs later. Even small quantities of moisture may result in mold growth. Plus, undiagnosed causes will lead to recurrences. For instance, fixing a damaged ceiling but not the leaky roof that caused it will only lead to another wrecked ceiling.
Damage from long standing water falls in this class, like river flooding or storm surges from a hurricane. It has saturated materials such as stone, brick, and hardwood. These materials have low permeance — meaning they do not soak up liquids quickly. Time is the primary factor in this category. With a higher cost of cleanup and repair, it is important to get problems diagnosed and solved as quickly as possible.
If left untreated, water can be a destructive force to any residential or commercial property. It can lead to mold growth, stains, and can jeopardize the integrity of the building. Our restoration specialists can carefully inspect your property to determine the extent of the damage and can create customized solutions for you. With our 24/7 emergency services, you can rest assured you have a trusted team ready to help you.

If you still do not understand why something isn't covered, and you think there is a chance for a review of your situation, don't be afraid to ask your agent or representative for a review or a second opinion. In a stressful situation like a claim, it is understandable that things may not be expressed clearly on either side. You want to make sure you understand fully.
When there’s been water, fire, tornado or flood damage to your home or commercial business it’s difficult to know who to call to help clean up and repair the property. The answer is easy! Mr. Restore is a Dallas restoration company that provides comprehensive restoration services, as well as environmental remediation. Contact Mr. Restore today, and we can be at your property in 60 minutes!
Porous materials include carpet, insulation, fabric, and similar items. If they’ve been soaked in water, you may have to cut them out and throw them away. Water will permanently damage most porous materials by shrinking or warping them, and mildew will damage them even further. And if you have a beloved piece of furniture you want to save, you could try isolating and drying it out, but the damage may already be done, especially if you see drywall water damage. Note that unsealed cement, drywall, and wood are also porous materials.
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.
Porous materials include carpet, insulation, fabric, and similar items. If they’ve been soaked in water, you may have to cut them out and throw them away. Water will permanently damage most porous materials by shrinking or warping them, and mildew will damage them even further. And if you have a beloved piece of furniture you want to save, you could try isolating and drying it out, but the damage may already be done, especially if you see drywall water damage. Note that unsealed cement, drywall, and wood are also porous materials.
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.
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.
Part of drying a house and cleaning it is knowing what you are doing, not learning on the job. Our team is local, understands the soil and water tables of Virginia, but using national standards. We’ve got thousands of happy customers in Northern Virginia, Maryland, and Washington DC, and if you look through our testimonials we probably have one from your town. We’re a hometown team, so your neighbors are our neighbors.
Many parts of a car are challenging to clean and dry because they are hard to access. Door locks, window regulators, power seat motors, heating and air conditioning components, and many small parts are tucked away in enclosed areas or up under the dash. These items may work okay immediately following a flood, only to fail later due to contamination by dirty water.

“Last December we discovered a leak underneath our kitchen that caused extensive damage. We called WaterBear and they came out that day. The people who came to our house were always respectful, kind and efficient. They did exactly what they quoted us and did it in a timely manner. All of our questions and concerns were answered in a timely manner, also.   They helped us through this very difficult situation. I hope we never have another problem like this, but if we did, I would call WaterBear.” – Anne M.
Water is pumped out of your home or property to our recovery tank mounted inside our truck, ready for proper disposal. Standing water is removed, allowing our water extraction team inside your property to assess damage to all structures, furniture, and personal items, inspect your property to traces of mold, and to set up equipment designed to quickly dry the property.
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.
An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy. Often the verbiage of this addendum is similar to "Sewer and Drain Coverage".
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