Whether your water heater fell over, the kids forgot to turn off the bathtub faucet, the normally serene river down the road has burst its bank, or a 24-foot storm surge in Lampasas has wiped out your home, Water Damage happens. In fact, that’s why many homeowners carry insurance – to protect their homes from unpredictable catastrophes.
Unfortunately, one man’s catastrophe is another man’s problem. This is true especially when dealing with your insurance company over Water Damage Restoration claims. Is it a catastrophe or is it your problem? Is the flood event covered or not?
Most homeowners in Lampasas insurance policies exclude certain types of flooding so it’s useful to review your policy before and during the water restoration claims process. If you have National Flood Insurance, you should be prepared with that information as well.
Water damage and restoration claims are subject to all kinds of rules and loopholes and your insurance company knows exactly what they are doing – do you? If you’re getting the runaround from your insurance about a restoration claim, don’t take their word for it. Read your insurance policy and find out exactly what is covered. You pay your premiums for the service that the insurer provides. When it’s time for restoration for a covered loss, you don’t deserve to be short changed.
While many water claims are specifically excluded from an insurance policy, not all are. During hurricanes and major storms, some water damage is specifically excluded such as water damage from a storm surge. However, if your roof blows off and the rain damages the interior of your home, then the water restoration would likely be covered. Beware of the insurance agent that wants to classify damage as something other than it is. For example, if the agent claims the water damage is due to storm surge when it’s clear that the reason the home is water damaged is because the roof blew off, then stick up for yourself and demand that the adjuster look at the obvious.
In these cases, restoration compensation could be less than what’s needed thanks to an insurance adjuster whose eyes are on the bottom line, not what you are entitled to under the terms of your policy. Get a professional involved if you need help. Public insurance adjusters can act on your behalf and get a better settlement offer while specific contractors, such as roofers and rebuilders, can document the damage, make reasonable efforts, and back you up when you’re filing a restoration claim.
Your insurance company wants to save a few bucks while you want to make sure that you can restore your property. You are at odds with each other even though you are business partners. Get a third party involved and ensure that your restoration goes the way it should.
Dealing with water damage can be a traumatic experience. You feel a loss of control in your own home! The feeling only gets worse if you have a company come in and rip apart your walls, carpet, furniture, and rummage through your personal items! After dealing with all this aggravation and more, you get "rewarded" with a bill for $1,000's!
This does not have to be your experience with water damage.
You already have the ability to clean up your own water damage, you just need the know-how! Below is a step-by-step skeleton of what the actions you should take in remediating your own water damage.
Ensure Your Furniture is Safe- Check for structural damage and if water affected absorbent areas.
Drying Equipment- You will need to use air movers, fans, and dehumidifiers after you finish the demolition and restoration process. These pieces of equipment will allow your home to dry properly.
Deal with Insurance Companies- After you remediate your water damage, you will have to deal with your insurance company and make sure the insurance company pays you the money you deserve!
Water Damage - Cleaning and Drying
What is Water Damage Restoration?
One of the first things that you need to do as soon as you notice water damage to your ceiling is to locate what is causing this problem. In order to prevent any future damage you have to fix the problem. After the problem has been fixed then you can clean up the mess. The problem with water damage to your ceiling could be something as simple as drying the ceiling or as serious as removing mold from the ceiling. The last thing you do is focus on is any cosmetic repairs or structural damage to the ceiling.
Finding the problem
This is the first step in repairing your ceiling. Having leaking or busted water pipes or a leaking roof are the two more common problems of water damage on your ceiling. Other more noticeable causes can include bathtubs and sinks left unattended while on and overflowed. It could also be overflow from a clogged toilet. You may be able to find the cause for the water damage if you are familiar the structure of the home. If you cannot find the cause, you should contact a plumber to find the cause.
After the problem of the water damage to your ceiling has been taken care of, you need to see if it caused any structural damage and have it fixed by yourself or a professional.