And even if you do have flood insurance, you should make sure what is covered. "Many people don't realize their homeowner insurance doesn't cover rising water," says Kent. In other words, "some flood insurance will cover rain water if it comes through your roof, but most of the time, it won't cover water rising in your home, like what's happening in Texas, unless you ask for it specifically."
For instance, it will be less expensive to restore a basement with an inch of clean water from a burst pipe than to tackle a fix caused by three feet of sewage backup. An inch of clean water would start at around $500 to $1500 to pump out and thoroughly dry it. However, the price of basement drainage repairs can increase up to $10,000 or more depending on the size of the space and the extent of the damage. Budget more when your space has been hit from contaminated sources, like a river flood.

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 left untreated, water can be a destructive force to any residential or commercial property. It can lead to mold growth, stains, and can jeopardize the integrity of the building. Our restoration specialists can carefully inspect your property to determine the extent of the damage and can create customized solutions for you. With our 24/7 emergency services, you can rest assured you have a trusted team ready to help you.

One of the simplest proactive steps is getting an annual plumbing inspection. These are often free or free with other services. The plumber will inspect all visible plumbing including fixtures, pipes, appliances, and drains. They diagnose and fix small problems before they become big ones. They can also tell you the best time to replace worn fixtures and appliances.
Type depends on the source and extent to which it has affected the home. Sources can range from clean water from a burst pipe to black water from sewage backup. Cleanup ranges from $3.75 to $7.00 per square foot. Repairs range from $450 to $7,000. Again, these vary widely depending on the source and extent of damage, whether it's a flooded basement, leaky toilet, or damaged roof.
The Water Damage Experts does NOT perform any repairs, replacement and reconstruction of any kind, which requires a license from the State of California. We are an IICRC Certified Water Damage Firm with over 29 years experience in emergency water damage restoration & crawlspace clean-ups. We use standard industry drying procedures in order to save our customers from the expense of further repair, replacement & reconstruction costs normally associated with water damage issues. We have a top rating of A+ & Accredited by the Better Business Bureau.
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.
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.
Richard Covert, FLOWER MOUND, TX, Nov 17th, 2014: What a great group of professionals! Everyone was great to work with, accommodating, understanding, sympathetic but focused on getting the mess cleaned up and getting the property ready to be put back together. What a miserable thing to have happen but thankfully there are professionals like these to help you through it. 
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.
You can easily spot the most visible type of mold, called mildew, which begins as tiny, usually black spots but often grows into larger colonies. It’s the black stuff you see in the grout lines in your shower, on damp walls, and outdoors on the surfaces of deck boards and painted siding, especially in damp and shady areas. A mildewed surface is often difficult to distinguish from a dirty one. To test for mildew, simply dab a few drops of household bleach on the blackened area. If it lightens after one to two minutes, you have mildew. If the area remains dark, you probably have dirt.

Expert Rytech technicians will apply state-of-the-art drying process techniques to your property and issue a full written report to Olympus upon completion. Rytech gives you the added security and assurance of specialists who carry visible identification, arrive in clearly marked Rytech vehicles, and wear protective footwear to avoid soiling undamaged areas of your property.


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.
Your insurance company will only pay for additional living expenses up to your policy's ALE dollar limits. Because repairs on your home can sometimes take months, monitor your expenses carefully to make sure you have enough ALE to cover the entire time you’ll be out of your home. If you reach your policy's ALE dollar limits before your home is fully repaired, you’ll have to pay the rest of the expenses out of your own pocket.

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".
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