If you have a replacement cost policy, most insurance companies pay claims with two checks. The insurance company will give you the first check after the adjuster has reviewed your damage. This check will be for the estimated cost of repairs, minus depreciation and your deductible. A deductible is the amount of the claim that you're responsible for paying yourself. Review your policy or ask your agent or adjuster if you don't know how much your deductible is.
Remove all of the drywall from the wall if the wrong type of drywall was initially installed. On rare occasions, mold damage results from using the wrong type of drywall for a particular application. The two most common causes of mold damage, not created by water leaks, are drywall installed behind tile, or regular drywall installed in a bathroom instead of mold resistant drywall.
If your water bill is unusually high, that might be an indication of an undetected leak. Buying a water leak sensor that sends alerts to your phone is one way to safeguard your home. You should also check around your toilets, tubs, showers and sinks for any soft spots or moisture. Keep an eye out for loose tiles as well. If you have a dishwasher or a refrigerator with a water line, look for warped or discolored floorboards.
As soon as you have a water emergency on your hands, all you need to do is call your water restoration company. They are available 24 hours a day and 7 days a week because they know that water emergencies can happen any time of the night or day. Your restoration professionals start to work immediately to stop any further damage from happening to your home.
Our plumbing and water damage restoration experts are well-trained and knowledgeable in handling a water damage emergency whenever the situation strikes. Our trained professionals receive the Institute of Inspection, Cleaning and Restoration Certification (IICRC) and they’ll always perform emergency water damage services in compliance with the highest standards for professional water damage restoration. Roto-Rooter’s vehicles are fully equipped with state-of-the art water extraction, drying and moisture testing equipment to handle everything including:
If your home or business is flooded, make sure to call a flood damage cleanup professional immediately. The water damage will continue to spread the longer you do not take action and there is a good chance that the flood water contains sewage which can contribute to health problems. Call us at 1-888-915-8868 or use the form on the right of the page to locate a flood damage restoration expert near you.
How to remove mold and how to perform black mold removal can be done with ordinary household cleaning products. But disturbing big infestations of mold on bathroom walls and other places can be bad for your health, particularly if you are an allergy sufferer or have a weakened immune system. When you discover an extensive mold problem, we recommend that you use the rigorous protective measures we show in Photos 1 – 6, or consider calling in a professional, who knows what kills mold, to handle the problem of how to remove mold. (Search “Industrial Hygiene Consultants” or “Environmental and Ecological Consultants” online to find out how to remove black mold and black mold removal cost. Or call your local public health department on how to get rid of black mold.) And even if you hire pros, read through this article and make sure they follow similar precautions on how to get rid of mold and to keep the mold from spreading throughout your house.
Assessing the severity of the damage is important for determining what is needed to start water damage repair and water removal. There are several different categories assigned to water damage. Category 1 refers to clean water, or water that does not pose a threat to humans. Possible causes of this type of damage include broken appliances or sink overflows. Category 2 water is also called gray water. This means that the water is contaminated and may cause sickness of ingested. This type of water contains microorganisms. Broken toilets, broken sump pumps, and seepage may cause category 2 water damage. Category 3 water is known as black water. This type of water is unsanitary, as it contains bacteria and other organisms that cause sickness. The possible sources of black water damage include sewage problems and contamination of standing water.
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.
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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.
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.
Most insurance policies will pay to remove mold only if it must be removed to repair or replace property that was damaged by a covered peril. You must report water damage that was hidden from view within 30 days of the date you first noticed it. Some companies provide a limited amount of mold remediation coverage, and other companies will allow you to buy additional coverage for mold remediation by endorsement.
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.
"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.
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.