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.

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.

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.


Dalworth Emergency Restoration Crews are available 24/7 to extract water, remove debris, dry out and repair your residential or commercial property quickly. Call us at 817-203-2944 if you have had a water loss and need assistance. We will dispatch our certified technician(s) to your home or office to resolve your water damage using our state-of-the-art drying equipment.

Position the drywall section in the opening, and use a helper to hold the new drywall in place. Install fasteners through the drywall into the wall or ceiling framing. You can use drywall nails or drywall screws. Screws are better because they cause much less damage to the internal structure of the drywall sheet during installation. Install fasteners every 9 inches on the perimeter, and every 12 inches in the field. If necessary, use a piece of plywood or one-by lumber for a backing and fastening surface behind any drywall edges that don't fall over framing.
Nashville Water Damage Flood Repair has over 30 years of combined experience with damage restoration companies in the Nashville Tennessee area. Emergency flood repairs, water removal and extraction are all services we are highly trained in with years of experience to solve your water damage problems with creative and cost effective solutions. We help with all insurance claims, residential and commercial large loss claims as well in Murfreesboro & Franklin along with Nashville.
Part of drying a house and cleaning it is knowing what you are doing, not learning on the job. Our team is local, understands the soil and water tables of Virginia, but using national standards. We’ve got thousands of happy customers in Northern Virginia, Maryland, and Washington DC, and if you look through our testimonials we probably have one from your town. We’re a hometown team, so your neighbors are our neighbors.
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. 
This category contains contaminants that will cause serious health issues and possibly death. Only professionals should handle most large-scale black water accidents such as flooding. Some cleanup, like a backed-up toilet, can be handled by competent homeowners. This type of cleanup and repair is usually the most expensive, often requiring specialized equipment used by qualified mold and chemical remediation crews. It will often require replacement (not just cleaning) of the affected home materials.
Once you’ve pulled away wet materials and established holes or cuts in the wall as needed, you’ll typically need one air mover for every 15 – 25 square feet of floor, unless the moisture load and density is particularly high, then you may need more. To prevent mold, make sure all of the layers and materials are dry before putting everything back together.
When industrial facilities are faced with such a catastrophic event, specific and detailed steps must be taken to return the facility to productive operation. In the wake of this type of natural disaster, it's especially critical to analyze and repair the electrical power system in a safe and logical sequence (see SIDEBAR: Temporary and Emergency Power). Following is an overview of how to approach recovery operations of electrical equipment after a flood.

Laser is an acronym for “Light Amplification by the Stimulated Emission of Radiation.” This technology produces a sharply focused beam of hot light that melts a very small area of metal and can be used to join similar or dissimilar alloys. The laser welding process can be performed quickly (normally in milliseconds) and does not scar or blemish the welding surface. In fact, by adjusting the laser’s beam diameter, a smooth, near polished finish can be achieved with the laser welder. Since very little heat is generated at the weld point, users can easily weld 0.10mm away from the most complicated and intricate machined patterns, polished surfaces and removable component assemblies.
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
All water damage restoration jobs are unique and the amount of work required for each depends on a variety of factors such as the amount of area in the home that’s been damaged and how long the water has been present. Once a professional water damage cleanup vendor arrives and has a chance to inspect the home, they’ll be able to put together a detailed project timeline specific to your job. In the meantime, we’ve listed the eight common phases that occur during the water damage restoration process and what happens in each, so you’ll know what to expect.
Before you remove any water or make any repairs, fully document the damage for your insurer by taking photos or video. Digital versions are best, says Ramirez, because they can be stored electronically and easily copied. If you start removing water or making repairs before you photograph the damage, you could potentially decrease the extent of your coverage, he says.
When left to sit for long periods of time, especially if the homeowners temporarily relocate while recovering from a house fire, further structural damage can complicate matters—making it difficult to return life back to normal. Calling in a water damage repair company is an excellent preventative measure for reducing the risk of further problems and headaches.

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.
Mold growth can be controlled on surfaces by cleaning with a non-ammonia detergent or pine oil cleaner and disinfecting with a 10% bleach solution. (Caution: Never mix ammonia and bleach products, as the resulting fumes can be highly toxic.) Always test this solution on a small area of the item or area you’re cleaning to be sure it doesn’t cause staining or fading. 
Many parts of a car are challenging to clean and dry because they are hard to access. Door locks, window regulators, power seat motors, heating and air conditioning components, and many small parts are tucked away in enclosed areas or up under the dash. These items may work okay immediately following a flood, only to fail later due to contamination by dirty water.
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.
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.

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.


All water damage restoration jobs are unique and the amount of work required for each depends on a variety of factors such as the amount of area in the home that’s been damaged and how long the water has been present. Once a professional water damage cleanup vendor arrives and has a chance to inspect the home, they’ll be able to put together a detailed project timeline specific to your job. In the meantime, we’ve listed the eight common phases that occur during the water damage restoration process and what happens in each, so you’ll know what to expect.
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