Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.


If you have a replacement cost policy, most insurance companies pay claims with two checks. The insurance company will give you the first check after the adjuster has reviewed your damage. This check will be for the estimated cost of repairs, minus depreciation and your deductible. A deductible is the amount of the claim that you're responsible for paying yourself. Review your policy or ask your agent or adjuster if you don't know how much your deductible is.
Gray water contains a significant level of contamination and has the potential to cause discomfort or sickness if consumed by or exposed to humans. Gray water may contain chemicals, bio-contaminants (fungal, bacterial, viral, algae), or other contaminants. Examples include: discharge from dishwashers or washing machines, overflows from washing machines, overflows from toilet bowls with some urine (no feces), sump pump failures, seepage due to hydrostatic pressure, broken aquariums, and punctured water beds. Gray water that remains untreated for longer than 48 hours may escalate to Category 3.
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.
At Allied Restoration Company, we take pride in providing timely, professional and experienced flood repair services. With a team equipped with the right tools and backed by expertise in the field, you can count on Allied Restoration Company to get the job done right, on time and at a very competitive price. Helping homes around San Francisco, we use the most effective techniques for determining the level of damage and applying the right techniques to begin restoring your home to a dry and comfortable place to live.
If the flood was serious enough for you to leave your home, be sure you stay safe upon your return. The Federal Emergency Management Agency warns that you should check for any visible structural damage, such as warping, loosened or cracked foundation elements, cracks, and holes before entering the home and contact utility companies if you suspect damage to water, gas, electric, and sewer lines.  
If the home is habitable, take precautions to keep yourself and your family safe from injury. Use flashlights to move around dark rooms, for example. If the home isn’t habitable, don’t try to stay there. Move to a shelter or alternate location. Consult your insurer to find out what provisions the company will make for temporary housing while your home is being repaired.
Cut through the paper facing of the drywall sheet with a razor knife. Cut along the drawn lines. Break the drywall along the face cut, and fold the drywall slightly to make a crease in the paper backing of the drywall sheet. Cut through the crease in the backing paper with a razor knife from the backside of the drywall sheet, and remove the unwanted portion of drywall. To make cuts that are perpendicular to each other, use a keyhole saw for the shorter of the two cuts, and then fold and cut the drywall.
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.
Accurate mold and tooling component assembly is a critical step in mold repair—and is the origin of many preventable, unscheduled mold stops (breakdowns). Poor workmanship and mistakes are usually a result of too much speed, lack of focus or physical skills, and disorganized work habits. If several repair techs are involved in the assembly of a mold, communication breakdowns between them can require the mold to be disassembled yet again to correct an oversight or install something that was forgotten.
Mold: Some companies may allow you to purchase coverage for mold remediation. This varies from state to state and by insurance company. In some states like California and Texas, policy makers are pushing to have limited basic mold coverage added to the policies. However, the best way to find out if your policy provides any provision is to inquire with your representative or licensed insurance professional to find out if this could be available to you. It may be available by endorsement; every company is different.

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.
Dealing with disasters such as flooding, fire, sewage, and more can be stressful. Often, these situations occur unexpectedly – do you know who to call if it happens to you? 1-800 WATER DAMAGE is the trusted name in restoration services. We have over a decade of industry-leading experience and are backed by BELFOR, the world’s largest property restoration company. Our highly-trained professionals have the tools and knowledge necessary to get your property looking like new again.
If temperatures tend to freeze in your area, be sure to protect your pipes. Insulate both hot and cold water pipes using heat tape or pipe sleeves available in your home improvement store. If you have water supply lines in your garage, keep the garage door closed as often as possible. Open kitchen and bathroom cabinet doors to allow warmer air to circulate. If you plan to spend some time away from your home, leave the heat on and set your thermostat to at least 55 degrees. You can’t control the weather, but you can put up a good fight to save your pipes.
It’s important to get rid of all moisture ASAP before it causes more damage. And for small leaks, this may not be difficult, but it’s important to be thorough. Use fans to circulate air in the affected area. For larger projects, consider renting a large-capacity dehumidifier to really dry out surrounding wood, carpet, and other materials. You don’t want any moisture left after your water damage repair.
If you’ve just experienced a water event, you might be wondering what to do next: Seeping water damage is progressive, pervasive and can mean valuable objects may become permanently damaged – especially if emergency response is delayed beyond the first 48 hours. When moisture seeps into items of value there are immediate steps that can be taken to reduce the amount of long-term damage that results.

Mold growth can be controlled on surfaces by cleaning with a non-ammonia detergent or pine oil cleaner and disinfecting with a 10% bleach solution. (Caution: Never mix ammonia and bleach products, as the resulting fumes can be highly toxic.) Always test this solution on a small area of the item or area you’re cleaning to be sure it doesn’t cause staining or fading. 
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.[6]
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