Your home is a major investment, and as a homeowner, you naturally want to protect it from damage. This is why it can be very upsetting to deal with a flood in your home. Your house isn't just an investment, it's a major part of your daily life. Flooding can happen anywhere, it isn't only a regional issue. The potential for damage to your possessions and health is enough to become informed on how to deal with this issue if it arises. Flooding can damage your sentimental belongings and even create health issues for your family in the future if not taken care of in an efficient manner.
There are initial steps you can take if you notice signs of water intrusion in your home. Essentially, you'll want to dry the area as soon as possible. But before you do that, take pictures to fully document the issue for your insurance purposes, and turn off the electrical source to the room. Be sure to check over your insurance policy to ensure you're aware of the coverage that you have. Depending on your policy, certain items like the essential systems in the home and appliances could be the only things covered. Each policy is different, don't be surprised about what is and isn't covered when it is too late.
Documentation is important before and after a flood! Always keep copies of your policies on hand along with contact information for the insurance company to review when needed. If you experience flooding, contact them as soon as possible. The longer the water stands, there is greater potential for property damage and mold growth, especially within the first 48 hours. This is why it is important to remove the water and ventilate the area to dry!
Besides the top mistake of waiting too long to remove water after a flood, there are other common mistakes to avoid. Many people decide to wade into the waters without thinking about what might be lurking underfoot. Depending on the severity and location of the flood, you could unknowingly walk into an electrical hazard, contaminated sewer water, unstable foundations, or sharp metal and glass objects. It is best to let a professional with the tools and experience to begin remediation. You might think your shop vac and household fans can resolve the issue, but this could actually make things worse. The peace of mind of knowing that mold isn't lurking and growing in unseen areas of a house is reason enough to call in the professionals.
Begin your search for professional remediation immediately after experiencing flooding in your home. Ideally, look for a company that is licensed and insured for your protection. The issue is time sensitive, so they should have a flexible schedule to accommodate those with emergencies. If they aren't available within the next 24-48 hours to assess and begin remediation of the issues, it's wise to look for another company.
Very frequently, homeowners have questions about billing, insurance, and their rights when it comes to hiring companies to perform work inside their homes. We want to make sure not only our clients, but everyone is aware of all possible outcomes to ensure all jobs are performed in good faith.
This article presents a recent situation where a homeowner was left battling with their insurance company over 2 years because of a technicality which did not event exist. It’s a GREAT read for a quick lesson learned that could potentially save anyone from a lot of trouble in the wake of an emergency.
Insurance Company’s Defense Based on an Assignment of Benefits Form Fails