The insurance company must start investigating your claim within 15 days after receiving written notice and may ask you for more information. Once you send the information, the insurance company has 15 business days to accept or reject your claim. If the insurance company says it will pay your claim, it must pay within five business days. If the insurance company rejects your claim, it must explain its reasons in writing.

BRAVO – job well done! Discovered a flood at home in San Francisco – water had been over flowing a 2nd floor sink for 15 hours. Contacted Allied, signed work order on line and workers were at the house within 15 minutes. They brought a truck load of equipment to mitigate the damage. Drying fans were installed, heating pads were placed on hardwood floors, walls and ceilings were opened and drying and dehumidifying tubes installed. Excellent, professional care. Very pleased with their swift delivery of emergency service AND their attention to detail to ensure the water damage was dried out completely.
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.
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.
The information in this publication is current as of the revision date. Changes in laws and agency administrative rules made after the revision date may affect the content. View current information on our website. TDI distributes this publication for educational purposes only. This publication is not an endorsement by TDI of any service, product, or company.
Dealing with disasters such as flooding, fire, sewage, and more can be stressful. Often, these situations occur unexpectedly – do you know who to call if it happens to you? 1-800 WATER DAMAGE is the trusted name in restoration services. We have over a decade of industry-leading experience and are backed by BELFOR, the world’s largest property restoration company. Our highly-trained professionals have the tools and knowledge necessary to get your property looking like new again.

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.
With a flexible schedule — the Service teams operates a four-shift schedule for full coverage — we can accommodate both planned and emergency repair and ECN jobs, regardless of whether Decatur originally manufactured the mold or not. We also maintain our own fleet of delivery trucks available for pickup and delivery. The fleet is operational 24 hours a day, seven days a week, to help you keep your production downtime to an absolute minimum.
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If you have a high concentration of mold, you may smell it. If you detect the typical musty odor, check for mold on damp carpets, damp walls, damp crawlspaces and wet wood under your floors, wet roof sheathing and other damp areas. Clean up these infestations right away before they get worse, and see the following photos for prevention measures on how to remove mold.

No need to take a wrecking ball to the entire house at the sight of a little mold.  You can keep the price down by focusing just on the area where there is visible mold.  For example, mold on drywall in one corner of the room only needs cut out and replaced in that corner.  Yes, the rest of the room (and maybe adjoining rooms) should be cleaned, but only damaged drywall needs to be cut out and replaced.

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.
“Last December we discovered a leak underneath our kitchen that caused extensive damage. We called WaterBear and they came out that day. The people who came to our house were always respectful, kind and efficient. They did exactly what they quoted us and did it in a timely manner. All of our questions and concerns were answered in a timely manner, also.   They helped us through this very difficult situation. I hope we never have another problem like this, but if we did, I would call WaterBear.” – Anne M.
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.
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.
All severely warped wood (particularly flooring), rotting wood and wood that has developed mold/mildew problems will need to be replaced. Pry apart damaged boards and thoroughly clean beneath them before replacing them. And if the wood is a structural component of your house, you must be very careful when replacing it so that the structure has the right support during and after the water damage repair project.

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.


Appliance hoses. Broken hoses are among the most common causes of water damage. Regularly inspect hoses and hose fittings on washing machines, icemakers, and dishwashers for kinks, cracks, bulges, or deterioration. Replace standard rubber washing machine hoses every two to five years or more often if they are showing signs of wear. Consider using steel-reinforced hoses for longer life.
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.
While you have no control over natural water-related disasters, you can take all the preventative measures possible ahead of time to minimize their effect on your home. Flash floods, sudden storms and hurricanes can all trigger water buildup. Prompt attention by contacting The Water Damage Experts as soon as you can after a weather-related issue will help lessen the time for water damage to occur.
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.
Even a competent DIYer should have a qualified professional assess the damage first — making sure no part of the cleanup is missed. Before doing anything, check with your insurance company — they may require a licensed assessment. Don't wait. As soon as you detect any damage, call a professional. With time, each class and category quickly degrades into something worse.
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.
Important: Abrasive stones break down during mold and die polishing, grinding, tool sharpening, and dressing of cutting & grinding wheels. The resulting dust is classified by OSHA as inert or nuisance dust. Please consult the Material Safety Data Sheet for each stone; data provided therein pertains primarily to the dust produced during and after use. Please note that hazards may change when abrasive stones are used in conjunction with solvents, cutting fluids or other chemicals. For more complete information, consult the Material Safety Data Sheets of chemical products used with abrasive stone products.
"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.

During the walkthrough, compile a list of flooded equipment to help you estimate man-power requirements and create a preliminary schedule of repair work. As mobilization of crews begins, start developing job strategies, such as finding office space, living accommodations, and transportation for crews. You must also think about arranging food/catering services and developing work schedules. Once your crews have been mobilized and job-site safety requirements are met (see SIDEBAR: Developing a Safety Plan Following a Natural Disaster), it's time to go to work.
Molds can also produce mycotoxins, which are toxic substances found either within or on the surface of spores. They can enter a person's system via ingestion, inhalation or skin contact. Aflatoxin B1 is the best-known mycotoxin. It is a potent carcinogen and inhaling it can cause lung cancer. The fungi Aspergillus parasiticus and Aspergillus flavus produce this carcinogen.

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.
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.
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