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.
One never knows when disaster will hit. The only way one can be prepared is to have insurance on water damage to your house or business. If you've recently suffered water damage you need to get help fast from a company that specializes in water damage restoration.
Steps to find someone quick to help you:
1) Check the phone book or search on the Internet for a few companies to consider.
2) After choosing a couple of companies to consider hiring, check their website. Look to see what their company offers to customers. Does it work with your insurance company? Do they hire quality trained professionals? Are they registered with the Better Business Bureau? These are just a few questions you should be researching.
You need to get your items saved as quickly as possible from water damage. You do not want mold and mildew to set into your carpet. Make sure the company will be using high quality products to get any smells and kill all mold, mildew, and bacteria in your home. Mold, mildew, and bacteria can be hiding in water damaged areas such as your walls, items that are wet, floors, and even your ceiling if affected.
Once the company you have hired for water restoration is finished you can get back to the normal routine of your life.
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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!