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When a flood occurs, drain backs up or a pipe bursts in you house, seeing past the mess becomes very hard. A million questions run through our mind like What should we do now? What is going to happen now? Are my important stuff safe? And most importantly, will the insurance company cover it? Water damage can be extremely stressful and there is no doubt about it. The more knowledge you have about it, the better you will be able to address the situation. It is important that you have the number of an http://www.servicemaster-asi.com/.
Floods have the reputation of causing more damage and harm than tornadoes, hurricanes and lightning combined. Floods have the potential to wreak havoc on business and homes and sometime, full reconstruction of the structure is needed. Here are few things you should keep in mind while addressing issues like this.
The insurance policies for water damage and flood damage is different – Although the cause of the damage in both the scenarios is water, the insurance policy for water damage is not applicable in case of floods. Insurance policy for water damage is applicable in those scenarios where damage occurs due to leakage of pipes, faulty plumbing system, pipe bursts, etc. If your house is in an area which is prone to flooding, you may be automatically having a separate policy through the NFIP (National Flood Insurance Policy). While reporting a claim, make sure that you specify the cause of the damage.
Insurance policies does not always cover all water damages – It is suggested that you familiarise yourself with the insurance policy and look for any kind of exclusion. Some policies don’t cover certain damages like damage due to heavy rainfall or storm or due to a faulty washing machine. This is because you failed to maintain your equipment properly and neglected the guidelines. Insurance policies do not accept those claims where the cause of damage is due to gradual leaks, negligence, etc.
Act immediately – When your house has been damaged by water, you do not have the luxury of waiting for a convenient time to begin cleaning up. There are chances of mold growth which is a serious health hazard. Mold spores are present everywhere. They only grow in moisture environments and a flooded house provides the ideal environment for its growth. You only have a window of 24 hours to 48 hours before the mold starts growing. In case of extreme mold infestation, you should hire the services of professional mold remediation service to safely remove and treat the mold. To prevent growth of molds, you must get rid of the water within 48 hours. Contact a company who specialize in emergency water extraction and water damage restoration. They will have the proper drying and water damage restoration equipment which is needed to get the job done efficiently. Many companies provide 24 hour service.
Contact the insurance company right away – Call the insurance company as soon as possible and they will guide you and tell you what to do next. They can even refer some emergency water removal specialist or restoration specialist.Read More