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.
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.
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.
Water damage occurs when excess water begins to pool in areas where it shouldn’t. Many different factors can create this excess water and thereby contribute to water damage. When you are aware of the potential causes, you can take precautionary measures to help insure against a leak or flood. You will also be able to spot a problem as soon as it arises and nip it in the bud before it has a chance to cause any additional damage. The more quickly you notice the problem, the less work the water extraction and >water damage restoration company will have to fix.
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.

At Allied Restoration Company, we take pride in providing timely, professional and experienced flood repair services. With a team equipped with the right tools and backed by expertise in the field, you can count on Allied Restoration Company to get the job done right, on time and at a very competitive price. Helping homes around San Francisco, we use the most effective techniques for determining the level of damage and applying the right techniques to begin restoring your home to a dry and comfortable place to live.
When a disaster of this magnitude occurs, the first things a plant will need are lighting and pumps. This requires the use of on-site generators and temporary power connections. It's highly recommended to not allow the plant distribution system to be back-fed. If a motor is required to turn a pump, a portable motor starter fed by the generator should be installed on a temporary panel next to the motor.
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.
You have to open up the wall to get at the mold growing inside. Since you have to repair the wall anyway, don’t hesitate to cut the drywall back beyond the obvious damage to find all the mold and let the wall dry out. To avoid cutting electrical wires, poke a hole through the damaged section and locate the wires first. Turn off the power to the outlets before you cut. Mist the moldy drywall and insulation with the pump sprayer to avoid spreading mold spores. Double-bag moldy material in heavy-duty plastic bags and tie them shut.
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.
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.

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.
Category 2 Water - Refers to a source of water that contains a significant degree of chemical, biological or physical contaminants and causes discomfort or sickness when consumed or even exposed to. Known as "grey water". This type carries microorganisms and nutrients of micro-organisms. Examples are toilet bowls with urine (no feces), sump pump failures, seepage due to hydrostatic failure and water discharge from dishwashers or washing machines.
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