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. 
To prevent water damage, you should replace your washing machine supply hose at least once every five years. Also, resist the temptation to overload your washing machine. Constantly stuffing too many clothes into your washing machine could loosen gaskets and valves or cause cracks. Take good care of your washing machine and your washing machine will take good care of you.
Any mold professional should be able to explain your mold removal project in plain English.  If a contractor is unable to explain the basic processes and steps of mold remediation and mold removal in layman’s terms, be very wary!  If someone tries to complicate and confuse you about the process and scare you into hiring them, walk away and say, “Thanks, but no thanks.”
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.
If the home is habitable, take precautions to keep yourself and your family safe from injury. Use flashlights to move around dark rooms, for example. If the home isn’t habitable, don’t try to stay there. Move to a shelter or alternate location. Consult your insurer to find out what provisions the company will make for temporary housing while your home is being repaired.

After you learn how to remove mold, you’ll want to prevent it in the future. The key to stopping most mold is to control dampness. The worst infestations usually occur in damp crawlspaces, in attics and walls where water has leaked in from the outside, and in basements with poor foundation drainage. Stopping leaks, ensuring good ventilation in attics, keeping crawlspaces dry and routing water away from the foundation are the best defenses on how to get rid of mold.

Gradual damage is when something happens slowly over time and causes damage to your property. Gradual damage due to water damage is a common problem when it comes to insurance claims. An example of gradual damage is when something happens slowly, like paint chipping off a wall it starts with a small chip, then eventually half the wall is uncovered.

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.


If you’ve just experienced a water event, you might be wondering what to do next: Seeping water damage is progressive, pervasive and can mean valuable objects may become permanently damaged – especially if emergency response is delayed beyond the first 48 hours. When moisture seeps into items of value there are immediate steps that can be taken to reduce the amount of long-term damage that results.
If you find mold growing on drywall, trim, or unfinished wood surfaces, and especially if the affected area is more than 10 square feet, hire a mold investigator to discover the root and extent of the problem. They’ll also be able to direct you to a reliable mold remediation company. Reputable companies work with third-party inspectors instead of doing the inspection themselves. 
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]
×