Protect Your Home’s Value With Professional Water Damage Restoration

If you’ve ever had your home flood, you know it’s one of the most frustrating of all the major disasters a homeowner can face. Unlike fires or structural damage, floods don’t destroy your home quickly. It can be extremely tempting to underestimate the damage done by a flood. This is why it’s important to work with a professional water damage restoration firm in the aftermath of a major incident. You can trust the experts to fully define the scope of damage left behind in the aftermath of a flood and take all the necessary steps to restore your home.

Immediate Dangers

Depending on its source, flood water inside your home can expose your family and your belongings to all sorts of risks. Standing water will damage the finish of walls, floors, and furniture in a surprisingly short amount of time. Over extended periods, high humidity may extend the damage far above the high water point, requiring complete rehabilitation of all your interior finishes.

Water that comes into your home from your own plumbing or municipal sewers poses a serious health risk. So-called “gray” or “black” water can carry a virtually endless array of dangerous pathogens, bacteria, and viruses. Even floodwater that enters your home from the outside carries health risks; in built-up areas floodwater can contain everything from gasoline and oil to heavy metal contaminants like lead, zinc, copper, and nickel.

Long-Term Risks

Even if you do an excellent job of getting the water out of your home and repairing the surfaces that it damaged, there’s an excellent chance that the flood left behind damage that you missed. When your home is seriously flooded, the water’s penetration is virtually always complete. This means that structural materials and hidden systems (plumbing pipes, electrical lines, etc.) are exposed to water too, not just the finish materials that you see.

If this hidden water damage isn’t addressed, it can cause serious problems over the course of months and years. Water inside your walls is terrific for encouraging the growth of mold, which can be a real health hazard. Long-term immersion can significantly degrade the lifespan of insulation, plumbing, wiring, and other important systems. In the worst case scenario, a flood can compromise your home’s structural integrity and make catastrophic failures possible.

Why You Shouldn’t Handle It On Your Own

No matter how experienced you are with do-it-yourself repair work (or even professional level contracting), it’s not a good idea to handle water damage restoration on your own. It’s not just a matter of the short and long-term risks you expose yourself to; you’re also putting the value of your home as a piece of saleable property at risk.

A major flood is something that’s very difficult to conceal from a potential home buyer. This is especially true in the case of large-scale natural disasters. Without a record indicating that your water damage was taken care of by professionals, buyers can demand costly inspections and even more expensive rehabilitation work to verify the soundness of your home. The alternative will be accepting a lower sale price — in either case you end up getting less money for your home than you expected.

We recommend calling Riverside CA water damage specialists. You can check them out here

Recovering from a serious flood is stressful enough without shouldering the burden of restoration on your own. The process isn’t just time-consuming and labor intensive; it requires expert training and specialized equipment. Don’t take risks with your family’s health and your home’s long-term value. Leave water damage restoration in the hands of experts!

Water Damage Insurance Buying Tips

Water is good when filling the swimming pool on hot weekends but when large amounts of water get into the house either through flooding or a damaged pipe, the result can be extensive damage and expensive repairs. Water damage insurance is meant to cover these types of problems but there are specific distinctions about what your insurer will agree to compensate.
Homeowners have two types of policies to choose from here; homeowners’ insurance or flood insurance. One of these policies is more collective and covers costs arising from inside water sources, and the other deals specifically with floods.

Water Damage Insurance

Water damage vs. flooding

When water starts leaking in the house, many of us are concerned with preventing moisture from damaging the interior but the most important thing is to establish where the leakage is coming from. Insurance packages for flooding and leaked pipes are actually separate and most homes are covered from the usual roof leaks, and burst pipes but not flooding.

What is considered a flood?

Any external water coming from your compound- such as might happen during heavy rains or a tsunami- is generally considered a flood and is not covered by most home insurance policies. For flood cover you need a separate policy.

What falls under ‘water damage’?

Water damage is defined by the source of the water. If the water leaks into the house before flowing outside, such as a roof leak, or more commonly, a bust pipe, then most water damage policies will cover the repair costs. Bear in mind there are unique differences between the policies offered for water damage so talk to an agent about which insurance package you need.

Is mold covered?

Mold is one of the most costly consequences of water damage and besides being potentially harmful to your health; it can reduce your home’s value. Whether the policy covers mold, again, comes down to the source of the water- so that if damage results from long-term neglect or a recent storm, it might not be covered.

But if mold is caused by leakage inside the house then obviously that falls under water damage and homeowners’ insurance covers that.

Review the policy

Under the ‘declarations page’ you can learn what the policy covers in detail and what you have to do to prove a claim. Remember mold can cause diseases in addition to property damage, so ignore insurance representatives who argue that mold has been around as long as people have been living in houses.

Contact an experienced broker or agent and:
· Take notes about your property, unusual features, collections, etc.
· Ensure that you have sufficient replacement coverage, and follow up in writing
· A professional appraisal should be done by a building contractor to determine cost of rebuilding- however many insurers offer this service for free.
· Look behind shelves and dresses or anywhere the air feels cold to find out if you have mold growing in your home
· Ventilate all the rooms in your house if possible

Compare quotes
You will get different quotes from insurance brokers so take time to search for a reasonable package. Remember water damage is not complicated and is typically covered by homeowners’ insurance, so work through the usual homeowner policies.