Among the most common and most preventable causes of water damage are burst pipes. Burst pipes typically happen because of clogs and freezing. Prevent the damage by finding a family plumber to do annual inspections. Regular inspections and maintenance are a cost-effective, preventative measure. Installing new plumbing typically runs between $350 to $2,000.
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.
When a severe thunderstorm hits, the risk for property damage increases greatly as heavy rains can cause water damage as well as flooding in your home. Flooding from storms is a major problem that requires a combination of methods to correctly treat it and protect your health. Unlike typical water damage from a leaky roof or a burst pipe, flood damage often includes raw sewage that can complicate the remediation process. As soon as flooding occurs in your home, make sure to call a flood damage cleanup expert to mitigate the damage and safely remove the flood water.
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Since you should notify your insurer soon as possible after the flood, it’s a good idea to keep your insurance company and local agent’s phone number in your always-ready emergency bag. (Note that the NFIP works through private insurance companies, so you contact your insurer just as you would for any other type of claim). In cases where a flood has affected a region or community, your agent may be busy handling his or her own flood issues. In that case, contact the insurance company’s headquarters.
No type of flood damage, no matter the source of the water, is covered by standard homeowners policies. Flooding, for example, can occur from storms, over-saturated ground, overflowing or surging bodies of water such as rivers, ponds, lakes and oceans. You may be able to purchase a separate flood insurance policy through the National Flood Insurance Program.
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.
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.
Roofs. Keep roofs free of debris that can damage roofing and allow water to seep in. Trim tree branches to prevent them from rubbing and damaging the roof. Repair missing or damaged shingles. Properly seal any cracks around chimneys, skylights, and vents. Check metal flashing for holes, cracks, or other damage. Replace flashing or use silicone caulk to seal any openings.
Surface molds grow in just about any damp location, such as the grout lines of a ceramic tiled shower. They’re easy to scrub away with a mold cleaner mixture of 1/2 cup bleach, 1 qt. water and a little detergent. In mold remediation, the bleach in the cleaning mixture kills the mold, and the detergent helps lift it off the surface so you can rinse it away so it won’t return as fast. You can also buy a mildew cleaner at hardware stores, paint stores and most home centers.
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?
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“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.
An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy. Often the verbiage of this addendum is similar to "Sewer and Drain Coverage".