And even if you do have flood insurance, you should make sure what is covered. "Many people don't realize their homeowner insurance doesn't cover rising water," says Kent. In other words, "some flood insurance will cover rain water if it comes through your roof, but most of the time, it won't cover water rising in your home, like what's happening in Texas, unless you ask for it specifically."
HEPA air scrubbers remove contaminants from the air. This is an especially important piece of fire damage restoration equipment, as lingering soot particles can lead to health problems in a structure’s inhabitants after a fire. Commercial air scrubbers are also important in mold remediation when filtering mold spores from the contaminated environment. HEPA filtration ensures that even the smallest soot or mold particles are removed from the air.
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.
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. 
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.
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.

One of the simplest proactive steps is getting an annual plumbing inspection. These are often free or free with other services. The plumber will inspect all visible plumbing including fixtures, pipes, appliances, and drains. They diagnose and fix small problems before they become big ones. They can also tell you the best time to replace worn fixtures and appliances.
Our water extraction team offers water extraction services for any home, apartment building, office building, retail store, warehouse, commercial property, condominium, hotel, motel or any other structure that may be in need. Do not hesitate to call our offices to discuss your water extraction needs, no matter how large or how small. We will be happy to discuss your options, the services we offer, and our insurance claims process.
When water invades your home, it can be an overwhelming and stressful experience. When this happens, the best course of action you can take is to call a restoration company, such as Mr. Restore, immediately. As soon as we arrive on your property, our team can find the source of the problem, stop the water from coming in, and proceed with the water removal process. If you wait on contacting us, secondary water damage can occur, and mold formation could potentially begin. Our crew thoroughly dries any surfaces that have incurred water damage, such as wood, drywall and paneling.
This information is not intended as an offer to sell, or the solicitation of an offer to buy, a franchise. It is for information purposes only. Currently, the following states regulate the offer and sale of franchises: California, Hawaii, Illinois, Indiana, Maryland, Michigan, Minnesota, New York, North Dakota, Oregon, Rhode Island, South Dakota, Virginia, Washington, and Wisconsin. If you are a resident of or want to locate a franchise in one of these states, we will not offer you a franchise unless and until we have complied with applicable pre-sale registration and disclosure requirements in your state.
Inspect damaged materials for mold and mildew. Mold can start to grow in the right conditions in as little as 24 hours. For long-term issues, like mold caused by attic condensation, the mold may have started growing a long time ago. And if you find mold and mildew issues, you need to be very careful. Some mold is toxic to humans, and all mold is very damaging to the materials it infests. For small mold issues, cut out the material, bag it, and throw it away immediately. For serious mold issues, get out of the area, shut down any airflow (to avoid spore contamination) and call a professional. And keep in mind that mold can show up in hidden areas like inside walls or under floors, so this inspection and water damage repair will be ongoing.
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.
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.
To prevent water damage, you should replace your washing machine supply hose at least once every five years. Also, resist the temptation to overload your washing machine. Constantly stuffing too many clothes into your washing machine could loosen gaskets and valves or cause cracks. Take good care of your washing machine and your washing machine will take good care of you.
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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