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.
Heavy rain, rapidly melting snow, rising rivers, and breaches in levees or dikes can cause vehicle flood damage and the need for difficult and expensive auto repairs. Once floodwaters rise above the vehicle door openings, extensive disassembly may be required for cleaning. To avoid causing additional problems, never attempt to start a flood-damaged car until a thorough vehicle inspection has been performed by a qualified technician.
After a sketch is made of the piece of equipment, add the equipment to a detailed electrical equipment tracking sheet, which should include general information such as the item number, sequence number, priority, area of the plant, power center or room number, transformer, substation, cell position, equipment type, circuit identification, plant identification number, manufacturer, percent water level, model number, frame size, and voltage. After completing these procedures on all the equipment associated with a power center or a piece of gear, the QA/QC leader must review the documentation for accuracy. Once the documentation has been approved, the equipment is ready for removal.
Structure is a word I don’t care for, but it seems to be required in most everything we do. In mold design, mold building, molding parts, and, yes, in mold repair. As a kid, my dad used to “structure” any rebuilding work on 19th-century gasoline engines that my brothers and I did. Coming home one day to find his super-organized shop littered with pistons, flywheels, crankshafts, and other miscellaneous engine parts and tools, he “structured” an immediate change in our work habits. After that painful experience, we did not have the freedom to just tear into the old engines without first clearing with him our plan for the day—which meant we would always be tested as to what we thought a good rebuilding sequence should be, based on what we know about a particular engine. It took a few rebuilds to appreciate the value of a structured sequence.

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.

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.
Mark the damaged drywall with a pencil after you determine the area of drywall you want to remove. Use a straightedge to mark lines vertically and horizontally on the face of the drywall. Whenever possible, have the lines fall over the centers of the framing members behind the drywall; this will provide backing and a fastening surface for the drywall patch.
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.
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.

5 stars to the team at Allied. Geronimo and his partner saved the day when they came to my home after a severe leak had damaged my closet and bedroom. They acted quickly and professionally to dry the rooms out and prepare them for being restored. I was so pleased and relieved to work with this team. This includes the professionalism of Misty who took my initial call. She knew how stressed I was and was right there to help me with a plan of action – all leading to a great result! Thanks so much! Sarah in Santa Rosa


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.
Homeowners insurance may help cover damage caused by leaking plumbing if the leak is sudden and accidental, such as if a washing machine supply hose suddenly breaks or a pipe bursts. However, homeowners insurance does not cover damage resulting from poor maintenance. So, if damage results after you fail to repair a leaky toilet, for example, homeowners insurance likely will not pay for repairs.
Black water contains pathogenic agents and is grossly unsanitary. Anyone with a compromised immune system, respiratory problems, or allergies, as well as young children and the elderly must remain off the job site until the building is judged safe for occupancy. Black water includes sewage and other contaminated water sources entering or affecting the indoor environment, such as: toilet backflows, flooding from seawater, ground surface water, and rising river water. Category 3 water can contain contaminants such as pesticides, heavy metals, or toxic substances.
Policyholders don’t want hassles.  We’ll make sure you get the coverage you paid for, remove the headache of having to work with your insurance company, and streamline the entire process.  You have enough to worry about; we’ll work with your insurance company to achieve your complete satisfaction.  In fact, we’ll usually do a survey with the insurance companies to make certain each and every policyholder gets everything they are entitled to get.
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?
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?
Water damage restoration is often prefaced by a loss assessment and evaluation of affected materials. The damaged area is inspected with water sensing equipment such as probes and other infrared tools in order to determine the source of the damage and possible extent of area affected. Restoration services would then be rendered to the residence in order to dry the structure, sanitize any affected or cross-contaminated areas, and deodorize all affected areas and materials. After the labor is completed, water damage equipment including air movers, air scrubbers, dehumidifiers, wood floor drying systems, and sub-floor drying equipment is left in the residence. Industry standards state that drying vendors should return at regular time intervals, preferably every twenty-four hours, to monitor the equipment, temperature, humidity, and moisture content of the affected walls and contents.[6]
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