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.
"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."
You can find out how old your water heater is by looking up the serial number on the manufacturer’s sticker near the top of the water heater. Make sure to regularly inspect your water heater to check for signs of moisture build-up, mold or corrosion. If your water isn’t as hot as it used to be or there’s rust coming from your faucets, it’s time to call a plumber or water heater specialist.
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.
Coastal Surge: If you live by the ocean, rising tides and seasonal storms can cause flooding to your property. When a high tide corresponds with a storm, it can be a recipe for disaster. As well as those right along the coast, other properties set slightly off from the ocean can also be at risk. High winds from the storm can also help water infiltrate and damage buildings and land.
Wanna keep things really cheap? Do it yourself! In some cases, minor mold problems (less than about 10 square feet of mold) in places like a bathroom corner can easily be handled by a handy homeowner with a free weekend afternoon and a few basic supplies from the hardware store. For more information, see our previous post on the subject: Do I need a Mold Remediation Professional?
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.
"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.
The project documentation manager should make sure the camera memory sticks are downloaded to a folder located on the site server. Each picture will be opened and saved in a folder labeled by the appropriate power center or room number. There are two pictures associated with each piece of equipment, both of which should be labeled using the sequence number. After saving the pictures on the local server, the memory sticks will be erased and ready for use the next day.
For instance, if you remove 16 ejector pins from a mold and notice that a couple of them feel tight, will you remember which ones were tight later on, when you peruse past records to discover that galling pins have been a problem for the past five production runs? Knowing this information before you split or disassemble a mold removes some of the guesswork involved when looking for the root cause.
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.
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.
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.
In December, while over at my friend's house I heard an explosion and I didn't know what it was or what happened but I guess her pipes had frozen and that turned into a huge flood in her basement. The water increased quickly and we didn't have any idea what to do or who to call and so I looked up emergency water damage and found Nashville Water Damage Flood Repair who came out very quickly and shut the water off so that the problem could be dealt with. These guys really knew their stuff as they shut the water off and begin removing all of the water that it built up in the basement. Luckily for us that there wasn't a whole lot of valuables except for a dresser in the basement that my friend wanted to keep and so most of their efforts were just about removing all of the water from the basement which they did a great job of it took a day or so but they got the job done and they did it right.
When you’re sure the mold has been eliminated, seal the wood surfaces with pigmented shellac like BIN or an oil-based primer like KILZ. Repaint cleaned wall surfaces with a regular latex paint that contains a mildewcide to help stop future mold growth. Then install new insulation and drywall and nail the trim back on. And keep in mind that if the moisture returns, mold will return.
The U.S. Navy has a similar approach when working on jet engines. Engines requiring repairs are not simply yanked from the air frame and disassembled without first creating, then discussing, the maintenance plan or objectives with the shop boss. This keeps things flowing smoothly in a hanger where there would always be several jets in various stages of repair. It was much the same as a mold shop where a group of repair technicians work on multiple molds during the day or week, sharing equipment, tools, and space.
The electrical systems in modern cars are particularly prone to flood water damage. Engine control computers, vehicle sensors, infotainment systems, and other electronic devices – along with wiring harnesses and the many connectors that join them together – can be very difficult to salvage. Unless every part is thoroughly cleaned and dried, inside and out, problems caused by corrosion can crop up weeks or even months after the flooding.
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.
Fire and Water Restoration companies are regulated by the appropriate state's Department of Consumer Affairs - usually the state contractors license board. In California, all Fire and Water Restoration companies must register with the California Contractors State License Board. Presently, the California Contractors State License Board has no specific classification for "water and fire damage restoration."