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.

While the mold was still being disassembled, two “cleaners” began pulling tooling out of plates and putting them into buckets in preparation for a good scrubbing—and I mean a scrubbing. Immersing the buckets into a solvent tank, they used their hands like wire whisks as they swished the close-tolerance ejector sleeves around, effectively removing any trace of vent residue or “track” marks on the tooling—and in the process maybe adding some marks of their own.


At WaterBear, our water damage Hillsboro specialists understand that a flood in your home or business is emotionally devastating. It takes up valuable time and wreaks havoc on your day-to-day activities. That’s why we offer the best in drying technology, equipment and training to get you back to the life you’re used to as quickly as possible. Our proprietary Dry-In-Place technology places us among the nation’s leaders in Water Damage Mitigation. From our years of experience we have learned that a quick response is the key to limiting damage and potential mold growth in any water damage situation. We strive to get your life back to the way you want it as quickly as possible.
Hillsboro homes that are left vacant with no regulating of heat or poorly insulated walls can be a common culprit of frozen water pipes and frozen water lines in the winter time. These breaks can be hard to notice immediately because they commonly occur in the basement. Broken pipes can also be common cause of water damage, causing gallons of water to come flooding through your living rooms, bedrooms, kitchen and bathroom. Water pipe bursts are common in areas of extreme winter cold and high winds that drive the wind chill well below freezing temperatures. Pipes that lack proper insulation and are exposed to the winter’s cold are far more likely to create a need for restoration.
Melting Ice & Snow: With spring comes nicer weather, but also the occasional risk of flooding in areas that cannot fully absorb all the water. When temperatures fluctuate from day to day, melted ice can refreeze and cause a whole other set of problems. Due to this hazard, it is extremely important to keep an eye on the weather and fix the problem as soon as it occurs.
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.
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.
Ceilings exposed to water damage are more at risk due to gravity: You don’t want them sagging or collapsing. So, remove affected ceiling panels or boards first. If the ceiling leak is caused by a roof problem, it’s important to find the true source of the leak, which may be somewhere far removed from the water stain. And take this time to make sure the water caused no structural damage to beams or rafters. You can contact professionals to find out what replacing a water damaged ceiling repair cost job runs.
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:
While the mold was still being disassembled, two “cleaners” began pulling tooling out of plates and putting them into buckets in preparation for a good scrubbing—and I mean a scrubbing. Immersing the buckets into a solvent tank, they used their hands like wire whisks as they swished the close-tolerance ejector sleeves around, effectively removing any trace of vent residue or “track” marks on the tooling—and in the process maybe adding some marks of their own.
Over a quarter of a million American homes each year will suffer from damage due to frozen or burst pipes. A frozen, broken or leaky pipe are all inconveniences that can lead to major headaches for your home. Ignoring these repairs can be extremely costly as basement water damage can lead to an unstable structure and damage of your valuables. When you need flood damage cleanup with a burst or frozen pipe or are dealing with flooding at all, give us a call today!
Want to avoid large cleanup and repair bills? Preventative maintenance and cleaning up quickly after damage are critical to keeping costs down. How long moisture is left untreated increases the scope of the damage and allows mold to grow. Preventing damage by contacting professionals to diagnose causes and make small repairs can save thousands later. Regardless of cause or cost, always document the damage for insurance claims.
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.
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