Time
is of the essence when water damage occurs on your property. Not only will you
want to salvage your home and goods, but your insurance company will require a
detailed inventory and assessment of your claim. With the stress of dealing
with property damage, hiring a certified water damage and restoration company
can help alleviate your burden.
Evaluate the damage
The
technician will walk the property and access where the source of the damage
originated. From a burst pipe to a sewage backup, a home evaluation will be key
to finding the source of the damage. Once discovered the issue will be repaired
to stop and prevent additional damage from occurring.
Secondary Damage
Water
damage can cause secondary damage, such as structural damage and mold and
mildew growth. Mold thrives in areas with poor ventilation and excess moisture.
within 48 hours, mold can spread and release spores causing additional growth,
especially on porous surfaces such as drywall and wood. Mold can cause adverse
respiratory issues and may exaggerate your body’s allergen response.
Water Pollution
Dark,
discolored water should never be entered. This dingy water is filled with
disease, animal feces, dirt, debris, bacteria, and fungi. Entering contaminated
water can cause serious health concerns. While there are three categories of
water pollution, water that has caused property damage may still be
contaminated with debris and bacteria.
Pack out
Depending
on the level of damage to your property, a pack out may be required to remove
all water damaged items. This can include clothing, furniture, electronics and
documents. Once removed the items will be catalogued. Any items lost will need
to be reported to your insurance agency with detailed information to back up
the claim. Additionally, items that are eligible will be salvaged through a
thorough cleaning and drying process.
Insurance Claims
Ideally,
as soon as the water damage is
found on your property, you’ll want to inform your insurance adjustor right
away. Your insurance company may be able to assist you in finding a restoration
company to perform the remediation and restoration process. Be aware that their
recommendation is just that; you’re able to hire any company to you’d like to
complete the restoration of your property.
Most
restoration companies will assist you in filing your claim to your insurance
adjustor. Keep in mind that there are different types of coverage and water
damage differs from flood damage. You’ll want to be aware of your policy
coverage to avoid any surprises. Living in South Carolina, we can be hit with
extreme, adverse weather. If you live in an area prone to flooding, having
flood coverage can save you from having to shell out for out of pocket
expenses. When filing your claim, be sure to be specific indicating flood or
water damage so your claim is filed correctly. Your policy may also specify the
type of damage that is covered. Water damage as a result of failing to maintain
your property, may not qualify for coverage. Familiarizing yourself with your
policy will save you from additional stress should an incident occur.