Public insurance adjusters are independent adjusters who help people negotiate claims with their insurance companies. Public adjusters work for you, not the insurance company. They charge you a fee for their services. The fee is usually a percentage of the claim and is subtracted from any settlement you get from your insurance company. You don't have to hire a public adjuster.
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.
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.
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.

"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.


Most insurance policies will pay to remove mold only if it must be removed to repair or replace property that was damaged by a covered peril. You must report water damage that was hidden from view within 30 days of the date you first noticed it. Some companies provide a limited amount of mold remediation coverage, and other companies will allow you to buy additional coverage for mold remediation by endorsement.
Position the drywall section in the opening, and use a helper to hold the new drywall in place. Install fasteners through the drywall into the wall or ceiling framing. You can use drywall nails or drywall screws. Screws are better because they cause much less damage to the internal structure of the drywall sheet during installation. Install fasteners every 9 inches on the perimeter, and every 12 inches in the field. If necessary, use a piece of plywood or one-by lumber for a backing and fastening surface behind any drywall edges that don't fall over framing.
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.

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.

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.
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.

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.

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.


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.
If you have to remove mold concentrations or perform any black mold removal covering more than a few square feet, where the musty odor is strong or where you find extensive water damage, we recommend that you take special precautions. You want to not only avoid contaminating the rest of the house but also protect yourself from breathing high concentrations of spores and VOCs.
When a disaster of this magnitude occurs, the first things a plant will need are lighting and pumps. This requires the use of on-site generators and temporary power connections. It's highly recommended to not allow the plant distribution system to be back-fed. If a motor is required to turn a pump, a portable motor starter fed by the generator should be installed on a temporary panel next to the motor.
Clean water that originated from a source that does not pose substantial harm to humans. Examples include: broken water supply lines, melting ice or snow, falling rainwater, broken toilet tanks, and toilet bowls that do not contain contaminants or additives. Clean water may deteriorate with time as it dissolves or mixes with soils and other contaminants.
Sewage mitigation is one of our biggest services. If you have a sewage line that backs up, or your toilet overflows, or you have a flood that includes sewage, there are serious health concerns that come up. This type of problem must be dealt with immediately and safely, and it is not an area for amateurs. We have handled sewage problems many times over the years, and we can take care of it quickly and efficiently so that you don’t have to worry about anything.

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 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.  

Restoration dehumidifiers are an important piece of restoration drying equipment. Humid environments are ripe for the development of mold and bacteria, so drying them quickly and effectively is important. You can find a wide range of different types of dehumidifiers, varying in size and capacity and the choosing the right one will depend on the types of environments in which they are used.
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