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.
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.

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.

The resulting damage is a different than the initial damage.For example, if water damage resulting from a broken pipe, or appliance is listed in your wording as covered, then you may be compensated for a portion of the damages caused even though the deteriorated pipe replacement or a new appliance would not be covered. This is an example the cause of the damage not being covered, but the resulting damage being covered.


It’s important to understand the differences because Category 2 and Category 3 water present health risks to your employees and customers and need to be handled differently. The most likely sources of clean water would be water from a pipe, water heater, steam lines or even rainwater. The basic rule of thumb is that it should look and smell like tap water.
Most of us are very familiar with lockout/tagout procedures, test-before-touch practices, and applying safety grounds. While these are key safety aspects of putting equipment into an electrically safe condition, there are other safety items that need to be addressed when working in a natural disaster area. Items such as air quality, structural issues, and chemical spill exposure come into play. It is the responsibility of each company to keep its own people safe and supply them with special personal protective equipment (PPE), such as rubber boots, respirators, dust masks, portable gas monitors, and rubber gloves. As a service company, you must also coordinate with plant safety personnel you've contracted with to develop special safety procedures to address the ever-changing site conditions. Frequent safety meetings are a must to keep everyone up to date with the most current hazard conditions on the site.

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."


Steven Johnson worked as a toolmaker for 26 years, rebuilding and repairing multicavity molds for Calmar Inc. and then as mold-maintenance engineer for Hospira Inc., a medical device manufacturer. Today, he is the maintenance systems manager for Progressive Components and has his own business, MoldTrax in Ashland, Ohio, which designs and sells software for managing mold maintenance (www.moldtrax.com). He can be reached at [email protected] or (419) 289-0281. 

If you repair damage resulting from an appliance-related leak, you need to get a Certificate of Appliance-Related Water Damage Remediation (WDR-1). The certificate verifies that the damage was properly replaced or repaired and that any related physical damage was properly remediated, repaired, or replaced. If you don't have the repairs or remediation certified by a WDR-1, an insurance company can deny you coverage in the future based on previous appliance-related damage or claims.


On average, it costs around $2,300 for mold removal. Mold spores are found in almost all environments and begin growing in just 24 to 48 hours when moisture is present. All types of water damage come with a risk of fungal growth. The longer moisture sits, the greater the risk and cost of removal. Only a qualified inspector should test for mold. An inspector can help determine if there is any and if professional remediation is needed.
Dalworth Restoration Crews are certified through the IICRC and receive specialized training at our Dallas/Fort Worth Restoration Facility. Our technicians are trained to professionally perform water damage restoration services according to the best practices and ANSI/IICRC S500 standards. Technicians are available 24/7 for emergency water removal, cleanup and content repair, as well as rebuild and restore your water or flood damaged property to pre-loss condition.
Gray water contains a significant level of contamination and has the potential to cause discomfort or sickness if consumed by or exposed to humans. Gray water may contain chemicals, bio-contaminants (fungal, bacterial, viral, algae), or other contaminants. Examples include: discharge from dishwashers or washing machines, overflows from washing machines, overflows from toilet bowls with some urine (no feces), sump pump failures, seepage due to hydrostatic pressure, broken aquariums, and punctured water beds. Gray water that remains untreated for longer than 48 hours may escalate to Category 3.

Steven Johnson worked as a toolmaker for 26 years, rebuilding and repairing multicavity molds for Calmar Inc. and then as mold-maintenance engineer for Hospira Inc., a medical device manufacturer. Today, he is the maintenance systems manager for Progressive Components and has his own business, MoldTrax in Ashland, Ohio, which designs and sells software for managing mold maintenance (www.moldtrax.com). He can be reached at [email protected] or (419) 289-0281. 
During the walkthrough, compile a list of flooded equipment to help you estimate man-power requirements and create a preliminary schedule of repair work. As mobilization of crews begins, start developing job strategies, such as finding office space, living accommodations, and transportation for crews. You must also think about arranging food/catering services and developing work schedules. Once your crews have been mobilized and job-site safety requirements are met (see SIDEBAR: Developing a Safety Plan Following a Natural Disaster), it's time to go to work.
When a severe thunderstorm hits, the risk for property damage increases greatly as heavy rains can cause water damage as well as flooding in your home.  Flooding from storms is a major problem that requires a combination of methods to correctly treat it and protect your health.  Unlike typical water damage from a leaky roof or a burst pipe, flood damage often includes raw sewage that can complicate the remediation process.  As soon as flooding occurs in your home, make sure to call a flood damage cleanup expert to mitigate the damage and safely remove the flood water.
“Last December we discovered a leak underneath our kitchen that caused extensive damage. We called WaterBear and they came out that day. The people who came to our house were always respectful, kind and efficient. They did exactly what they quoted us and did it in a timely manner. All of our questions and concerns were answered in a timely manner, also.   They helped us through this very difficult situation. I hope we never have another problem like this, but if we did, I would call WaterBear.” – Anne M.

At this stage, put away all measuring instruments and hand tools and focus on how best to clean the tool. The type, frequency, and method of cleaning molds should be based on cycles, hours, or production in conjunction with mold-specific factors (resin, residue, vent location and capacity, tooling concerns, etc.) that will dictate the cleaning level and process.
The resulting damage is a different than the initial damage.For example, if water damage resulting from a broken pipe, or appliance is listed in your wording as covered, then you may be compensated for a portion of the damages caused even though the deteriorated pipe replacement or a new appliance would not be covered. This is an example the cause of the damage not being covered, but the resulting damage being covered.
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.
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