Gradual damage is when something happens slowly over time and causes damage to your property. Gradual damage due to water damage is a common problem when it comes to insurance claims. An example of gradual damage is when something happens slowly, like paint chipping off a wall it starts with a small chip, then eventually half the wall is uncovered.

While there are currently no government regulations in the United States dictating procedures, two certifying bodies, the Institute of Inspection Cleaning and Restoration Certification (IICRC) and the RIA, do recommend standards of care. The current IICRC standard is ANSI/IICRC S500-2015.[9] It is the collaborative work of the IICRC, SCRT, IEI, IAQA, and NADCA.

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.


Our highly trained technicians are ready to respond immediately to flood or water damage at your Columbus property. We have the experience, expertise, and training to restore your home or business quickly and properly. We use advanced inspection and extraction equipment to find the water and remove it as quickly as possible. Our technicians will monitor and document the drying process to ensure your property is back to normal.
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.
To further ensure a safe and effective environmental remediation, our crews are rigorously trained in mold removal procedures approved by the Indoor Air Quality Association (IAQA); Institute of Inspection, Cleaning and Restoration Certification (IICRC);  the Restoration Industry Association (RIA); and our own in-house trainers. In addition, all of our superintendents, operations managers, project managers, project directors and regional managers  hold Certified Mold Remediation (CMR) certifications.
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.”
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.
We are the most trusted name in property damage restoration because we don’t outsource and you can trust our workers when they are in your home. They are specially trained and industry certified. You will be assigned a Project Manager who will walk you through the entire process step-by-step.  The team leader is plugged into your job every single day. No exceptions.
Once help arrives, the first thing a water mitigation contractor will do is inspect the home and evaluate the damage. In order to properly evaluate the damage, they have special tools and instruments they use to measure the moisture content of the home. To do this, they either poke or rest the instruments on top of surfaces like floors, baseboards and ceilings in the damaged rooms to get an accurate reading. Depending on the moisture content readings and Institution of Inspection Cleaning and Restoration Certification (IICRC) dry standards for the state you live in, your contractor will assess if drying equipment is needed.
A flood-damaged car that has been totaled should have a “salvage” title, but some sellers use lax registration procedures in certain states to “launder” titles and eliminate the salvage branding. Buyers should also know that flood-damaged vehicles can be shipped anywhere for resale, and continue to appear in the marketplace for many months following major floods.
The insurance company will pay to repair your home with materials of like kind and quality to the original. For example, if the carpet was damaged, the insurance company will pay to replace the damaged carpet with carpet of a similar grade and quality. If you choose to upgrade the carpet or change the type of flooring, you will have to pay the extra costs yourself.
Our plumbing and water damage restoration experts are well-trained and knowledgeable in handling a water damage emergency whenever the situation strikes. Our trained professionals receive the Institute of Inspection, Cleaning and Restoration Certification (IICRC) and they’ll always perform emergency water damage services in compliance with the highest standards for professional water damage restoration. Roto-Rooter’s vehicles are fully equipped with state-of-the art water extraction, drying and moisture testing equipment to handle everything including:

After a sketch is made of the piece of equipment, add the equipment to a detailed electrical equipment tracking sheet, which should include general information such as the item number, sequence number, priority, area of the plant, power center or room number, transformer, substation, cell position, equipment type, circuit identification, plant identification number, manufacturer, percent water level, model number, frame size, and voltage. After completing these procedures on all the equipment associated with a power center or a piece of gear, the QA/QC leader must review the documentation for accuracy. Once the documentation has been approved, the equipment is ready for removal.
"Using truck-mounted vacuums with 2,000 horsepower, and dehumidifiers, we can extract moisture from furniture, hardwood, tile, even Sheetrock," Kent says. Even electronics like TVs and laptops may still operate after a thorough drying. "In fact, when carpet gets wet, people think it's ruined, but it actually ends up stronger than when it was made," Kent says.
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.
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.
We can provide dehumidification for your property. This goes along with the mold removal and prevention process. The living areas of your home should not have humidity; this is normally taken care of by your central air conditioning system. However, if your AC ductwork has a crack or leak, or if your home does not have central air, the interior of your house may sometimes have damp or humid air. The dehumidification process eliminates that and saves you the headache of mold removal down the road.
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.

We can provide dehumidification for your property. This goes along with the mold removal and prevention process. The living areas of your home should not have humidity; this is normally taken care of by your central air conditioning system. However, if your AC ductwork has a crack or leak, or if your home does not have central air, the interior of your house may sometimes have damp or humid air. The dehumidification process eliminates that and saves you the headache of mold removal down the road.


Throughout the drying process, crews will stop by periodically to monitor how the drying is progressing. Specifically, they monitor the dehumidifiers’ intake and output temperatures and humidity levels to make sure the dehumidifiers aren’t putting wet air out into the room. They’ll also go back and take readings of the same surfaces they did during the inspection phase. As rooms are declared dry, crews will often move equipment around to other areas of the home that are still wet.

Black water contains pathogenic agents and is grossly unsanitary. Anyone with a compromised immune system, respiratory problems, or allergies, as well as young children and the elderly must remain off the job site until the building is judged safe for occupancy. Black water includes sewage and other contaminated water sources entering or affecting the indoor environment, such as: toilet backflows, flooding from seawater, ground surface water, and rising river water. Category 3 water can contain contaminants such as pesticides, heavy metals, or toxic substances.


You have to open up the wall to get at the mold growing inside. Since you have to repair the wall anyway, don’t hesitate to cut the drywall back beyond the obvious damage to find all the mold and let the wall dry out. To avoid cutting electrical wires, poke a hole through the damaged section and locate the wires first. Turn off the power to the outlets before you cut. Mist the moldy drywall and insulation with the pump sprayer to avoid spreading mold spores. Double-bag moldy material in heavy-duty plastic bags and tie them shut.
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.

"One of the biggest problems—especially in Houston in the summer—is going to be mold," says Tyler Drew, a Los Angeles real estate agent and investor. "The longer a house sits with water, the worse the mold infestation. Affected areas have to be removed, the wood and concrete treated with anti-mold agents, and all of this has to be done after the house is sealed, in order to prevent the infestation from spreading and sickening people."
Remove all of the drywall from the wall if the wrong type of drywall was initially installed. On rare occasions, mold damage results from using the wrong type of drywall for a particular application. The two most common causes of mold damage, not created by water leaks, are drywall installed behind tile, or regular drywall installed in a bathroom instead of mold resistant drywall.
We are an emergency water damage company that provides service to all residential and commercial water damage victims throughout Hillsboro. If you have flooding of any kind, our professionally trained and certified experts can rapidly and effectively solve the problem on short notice. We not only fix the original problem, but we make sure that any affected area is professionally cleaned, deodorized and sanitized. Our experts are available to handle any crisis 24 hours a day. Don’t hesitate, call us today!
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.
Unless you’re doing laundry, you probably don’t think twice about your washing machine. But if it breaks down, the results could be catastrophic. For example, if the supply hose is damaged or has a faulty connection to the wall or washing machine, more than 600 gallons of water could potentially spill out within an hour. That could lead to significant water damage, especially if your washing machine is located on the second floor of your home.
We can provide dehumidification for your property. This goes along with the mold removal and prevention process. The living areas of your home should not have humidity; this is normally taken care of by your central air conditioning system. However, if your AC ductwork has a crack or leak, or if your home does not have central air, the interior of your house may sometimes have damp or humid air. The dehumidification process eliminates that and saves you the headache of mold removal down the road.
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.
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.

Repairing mold-damaged drywall is not difficult, but correcting the cause of the mold can often be challenging. Roof leaks, an improperly installed vapor barrier, leaky pipes, or constant contact with water from sinks, tubs, and showers can cause mold damage. Mold happens whenever moisture is constantly present. Mold spores attach to the paper facing of the drywall, the paper becomes a food source, and the mold colony propagates and grows. Long-term exposure to mold spores can be harmful, especially if a person is allergic to mold. You should consider consulting a mold removal specialist to determine the type of mold that is present, and you should always wear a face mask and gloves when working with mold.
To further ensure a safe and effective environmental remediation, our crews are rigorously trained in mold removal procedures approved by the Indoor Air Quality Association (IAQA); Institute of Inspection, Cleaning and Restoration Certification (IICRC);  the Restoration Industry Association (RIA); and our own in-house trainers. In addition, all of our superintendents, operations managers, project managers, project directors and regional managers  hold Certified Mold Remediation (CMR) certifications.
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 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. 

Unless you’re doing laundry, you probably don’t think twice about your washing machine. But if it breaks down, the results could be catastrophic. For example, if the supply hose is damaged or has a faulty connection to the wall or washing machine, more than 600 gallons of water could potentially spill out within an hour. That could lead to significant water damage, especially if your washing machine is located on the second floor of your home.

The methods for dealing with damage to walls depend on the type of materials and also what’s behind those materials. Drywall can often be salvaged, when you respond quickly to damage. You can purchase moisture meters that allow you to assess structural integrity. If the integrity checks out then your drying approach will depend on wall contents. If the wall has insulation, you will need to use flood cuts. If there is no insulation, then usually the best method is to create weep holes. And if you’re dealing with a firewall, you’ll want to use staggered cuts.

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