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.
If you repair damage resulting from an appliance-related leak, you need to get a Certificate of Appliance-Related Water Damage Remediation (WDR-1). The certificate verifies that the damage was properly replaced or repaired and that any related physical damage was properly remediated, repaired, or replaced. If you don't have the repairs or remediation certified by a WDR-1, an insurance company can deny you coverage in the future based on previous appliance-related damage or claims.
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.
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.”
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 the next water damage call comes in for a flood cleanup due to a broken water pipe or drain backup, make sure you have all the commercial restoration equipment on hand that you need to tackle the job in a moment’s notice. Events like floods, hurricanes, wildfires and other natural disasters can leave homes and businesses in peril and in need of professional restoration services.
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.
What do you do when you have a flood in your home? Call a company you can trust. Dalworth's water damage and restoration professionals are certified, bonded and insured for your security and peace of mind. Our experts understand the last thing you need is more stress when your home or business floods. Whether it's a water leak from a burst kitchen pipe or flooding from a natural disaster, contact Dalworth Restoration for your water damage restoration, water cleanup and removal or disaster cleanup services in your North Texas town.