We get asked a ton of questions with each job here at One Of A Kind Restoration. So we thought we could document some of the most common ones here. Remember, these are just guideline answers and may not always apply to every situation. We highly recommend you consult a water damage restoration company each time you want complete answers for your unique emergency situation. Not all information written here is guaranteed to work for you.
This is arguably the most common question we receive at our One of a kind Restoration company. We go into more detail about this topic over on our Insurance page, but here’s a quick response. And remember, we are NOT insurance experts. This is just general advice and should always be double checked with your individual insurance provider.
Often, water damage that is caused by an unavoidable accident can be covered by most insurance policies. Here’s an example: a bad storm knocked a tree limb onto your roof which caused a hole. That hole let water into your house and caused damage. This is a pretty easy case where most insurance policies would cover it.
What is not usually covered is anything falling under the umbrella of “general maintenance.” This can be quite broad, but a good example is a slow leaking pipe in your kitchen. You see the leak and know it’s there but don’t get it fixed for weeks. Then, you discover that water leak caused damage to the floor and sub-floor below it. There’s a good chance insurance won’t cover the floor repair costs because you had plenty of time to fix the leak before it became a problem.
It’s difficult to give a specific answer to each unique emergency situation on an article here. That’s why we always recommend getting in touch with a professional like us. Our team can review your water damage and help with the insurance aspect.
There’s a few things you can do when facing a water damage emergency situation. Remember to ALWAYS keep your safety as the top priority. Never put yourself or anyone at risk just to save property or items. Assuming everyone is safe, acting quickly with a clear plan can help minimize the damage. Here’s what you should do:
Water damage can cause quite the safety hazard for everyone involved. As we mentioned, safety should the top priority for everyone first. Then, you can focus on saving items and belongings.
Can you identify the source of the water? Is it something you can shut off to prevent more water from entering the property? If so, do that immediately. Prevention is the best way to stop further damage.
Search around for a busted pipe, HVAC leak, or toilet running. Locate the shut-off valve if possible for that location. If nothing else, turn the water off for the entire property.
If there’s flooding, can you do anything preventative like sandbags? If not, just move to higher ground for safety.
If it’s a ceiling leak, consult with an expert quickly to locate the leak and get it fixed fast.
The next step is to get the insurance company involved. They know your policy best and can help guide you to know which aspects are covered and which might not be. Here’s how you can position yourself the best with the insurance company:
The goal here is to prevent mold and mildew growth. Mold remediation is not a fun project to add on to water damage so we highly recommend getting started drying things out as quickly as possible. Mold can begin growing within 24 hours.
This is often when you want to contact a water remediation expert to help. Keep these things in mind: