Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.
Mold: Some companies may allow you to purchase coverage for mold remediation. This varies from state to state and by insurance company. In some states like California and Texas, policy makers are pushing to have limited basic mold coverage added to the policies. However, the best way to find out if your policy provides any provision is to inquire with your representative or licensed insurance professional to find out if this could be available to you. It may be available by endorsement; every company is different.
It’s time for one of the most important steps: removing any standing water from the home. The removal process is actually much less complicated than you may think. Contractors use fancy shop vacuums and rotate them around the room, sucking up all the water that’s present in the area. The amount of time this phase takes varies depending on the type of substrate that’s being dried, the size of the room and the total amount of water that’s present.
"One of the biggest problems—especially in Houston in the summer—is going to be mold," says Tyler Drew, a Los Angeles real estate agent and investor. "The longer a house sits with water, the worse the mold infestation. Affected areas have to be removed, the wood and concrete treated with anti-mold agents, and all of this has to be done after the house is sealed, in order to prevent the infestation from spreading and sickening people."

Water is pumped out of your home or property to our recovery tank mounted inside our truck, ready for proper disposal. Standing water is removed, allowing our water extraction team inside your property to assess damage to all structures, furniture, and personal items, inspect your property to traces of mold, and to set up equipment designed to quickly dry the property.

Mold: Some companies may allow you to purchase coverage for mold remediation. This varies from state to state and by insurance company. In some states like California and Texas, policy makers are pushing to have limited basic mold coverage added to the policies. However, the best way to find out if your policy provides any provision is to inquire with your representative or licensed insurance professional to find out if this could be available to you. It may be available by endorsement; every company is different.
Appliance hoses. Broken hoses are among the most common causes of water damage. Regularly inspect hoses and hose fittings on washing machines, icemakers, and dishwashers for kinks, cracks, bulges, or deterioration. Replace standard rubber washing machine hoses every two to five years or more often if they are showing signs of wear. Consider using steel-reinforced hoses for longer life.

If temperatures tend to freeze in your area, be sure to protect your pipes. Insulate both hot and cold water pipes using heat tape or pipe sleeves available in your home improvement store. If you have water supply lines in your garage, keep the garage door closed as often as possible. Open kitchen and bathroom cabinet doors to allow warmer air to circulate. If you plan to spend some time away from your home, leave the heat on and set your thermostat to at least 55 degrees. You can’t control the weather, but you can put up a good fight to save your pipes.

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.
Different removal methods and measures are used depending on the category of water. Due to the destructive nature of water, chosen restoration methods also depend heavily on the amount of water, and on the amount of time the water has remained stagnant. For example, as long as carpet has not been wet for longer than 48 hours, and the water involved was not sewage based, a carpet can usually be saved; however, if the water has soaked for longer, then the carpet is probably irreparable and will have to be replaced.[8] Water damage restoration can be performed by property management teams, building maintenance personnel, or by the homeowners themselves; however, contacting a certified professional water damage restoration specialist is often regarded as the safest way to restore water damaged property.
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