Is Water Damage Covered by Insurance?

Is Water Damage Covered by Insurance?

Is Water Damage Covered By Insurance?

The unthinkable has happened. Your washing machine has flooded your kitchen, your burst water heater has your basement under water. Fire alarm sprinklers have doused your office and its expensive equipment in dingy water. You’ve gotten past the preliminary cleanup, but with damage this expensive, you’re going to need a little help paying for the restoration. But, how do you know if your water damage clean-up is covered by your insurance? Here are a few questions to help understand your coverage.

How did the damage occur?

As with any other accident or disaster, the cause of the damage will always play a major role as to whether or not your insurance will cover your clean-up and restoration services. For the most part, sudden and natural instances, such as flooding from a storm, will be covered. “If the source of the damage comes from inside your home, such as a water leak from a broken pipe or overflowing
appliance, you’ll likely be covered by your homeowners insurance,” states Progressive in one of
their help articles. Roof leaks are also usually covered, but “wear and tear”, damage caused by
negligent or overdue repairs, or flooding won’t be.

What kind of policy do you have?

Homeowners insurance and renter’s insurance usually offer similar coverage options. However, if you’re the landlord of a rental unit that’s been damaged, claims you file will fall under your landlord’s insurance. If you’re the owner of a commercial space, owned and used or owned and rented out, the damage will need to be covered by your general liability or commercial property
insurance.

What about mold?

Though a common and unfortunate result of standing water or spaces left wet from flooding, mold may not be as widely covered as the water damage itself. You’ll want to consult with your policy to understand where mold removal may fall.

Rest Assured

The best way to make filing a claim go smoothly is to document everything that’s damaged. Start by taking pictures of the area and any items that have been ruined. After you’ve got the photographic evidence, start cataloging the damaged items. Include what they are, their make, model, how old they are, etc. This will help the adjuster move smoothly through their process. It’s also important to note that you don’t want to meddle with the scene. As tempting as it is, after the immediate threat is mitigated and everyone’s safety has been secured, you don’t want to adjust the scene, which could affect the adjuster’s ruling.

Got any tips for filing a claim?

Filing insurance claims can often be as big of a nightmare as the original problem itself. That’s why it’s important to always have an expert on hand in case of emergencies and that you know works with your insurance plan. Integrity partners with virtually every insurance carrier, so we can not only clean up the mess, but make it like it never even happened. Give us a call to see if you’re covered today

If you have any questions give us a call 24/7 at (888) 821-3840

What to Do When Your Washing Machine Floods Your Home

What to Do When Your Washing Machine Floods Your Home

What To Do When Your Washing Machine Floods Your Home

Did you know that an average load of laundry uses about 30 gallons of water? That’s almost as much as a full bathtub and plenty to do some serious damage to your home, and clean-up can be a pretty serious process, especially if you have stacked units or your washer is tucked in a laundry nook. But don’t stress, here are the steps to take to mitigate the damage caused by a washing machine flood, and how to get your home back to normal as soon as possible.

Step 1: Turn off the washer and any surrounding electronics

It’s elementary science, water and electric current make for a dangerous combination. Protect yourself, your family, and your pets by immediately switching off the electricity to the washing machine and any other surrounding electronics and appliances such as a hot water heater, dryer, lighting etc. It might even be best to flip the switch for the entire circuit via the breaker box. Pro Tip: Make sure you and your family know where your breaker box is and make sure all of the switches are clearly labeled.

Step 2: Turn off the water.

When your washing machine floods, it may seem like a river has been unleashed in your home. To staunch the flow you need to turn off the water. This could mean either turning the intake valve to the washer itself or shutting off the water to the house if this isn’t possible. Pro Tip: Make sure your family has familiarized themselves with all the main water valves in your home including the main intake from the city.

Step 3: Take pictures. But do it quickly.

Your first instinct may be to grab a mop and get to work. However, the flood in your home could have long term consequences. Especially to your walls and flooring. If you have someone else with you, designate them the job of photographing as much of the affected area as possible to use in your insurance claim. But work quickly in order to minimize the effect of the water damage.

Step 4: Start Cleaning Up

Even a centimeter of standing water can do some serious damage to your home. It’s important to get up as much water as you can and prevent it from spreading. Grab a mop, bucket, towels, squeegee, anything you can to start pulling the water away. You’ll also want to move any items away from the area to prevent them from being destroyed. Pro Tip: Keep a squeegee, mop, or extra absorbent towels by your machine in case a disaster strikes. You can also invest in absorbing materials that hold onto water and make clean up easy.

Step 5: Call the experts.

Like we mentioned, washing machine floods can wreak havoc on your home. Often, this damage isn’t apparent at the outset as water can soak into subfloors, drywall, furniture etc. This not only makes cleanup more difficult, but poses a health risk if mold is allowed to grow. Call in a water damage restoration expert to clean up the mess quickly and thoroughly, getting in the places the average homeowner can’t reach and properly disinfecting to prevent odor and harmful bioactivity. Pro Tip: Keep the number of a trusted restoration service – Like Integrity Restoration – near your washer and dryer. Better to be prepared in the face of disaster than spend valuable moments frantically searching for a number online. Make sure to find one that’s available to respond 24/7. Common Causes of Washing Machine Floods The best way to mitigate washing machine floods is to prevent a disaster in the first place. Common causes of washing machine floods include:
  • Improperly loaded machines with either too much laundry or suds
  • Loose or damaged water supply valves and hoses
  • Loose or clogged drainage hoses
  • Damaged internal hoses
  • Malfunctioning water level switches
  • Faulty door latches, boot seals, and cover gaskets
It’s important to make sure you keep up with regular washing machine maintenance and replace or repair machines that are not working properly. But in the case of disaster, don’t hesitate to call Integrity Restoration. We have 15 years of experience mitigating water damage emergencies and are no stranger to washing machine floods. We respond 24/7 and get to work fast, plus we are accepted by almost every insurance provider. Cann Integrity to make it like it never even happened.This article offers free shipping on qualified Face mask products, or buy online and pick up in store today at Medical Department

If you have any questions give us a call 24/7 at (888) 821-3840

My Water Heater Burst! Now What?

My Water Heater Burst! Now What?

My Water Heater Burst! Now What?

Hot water heaters are the silent workhorses of our homes. We don’t even notice them until something goes wrong. And sometimes things go terribly wrong. If you’re unfortunate enough to experience a total explosion of your water heater, chances are you won’t find out until you’re ankle deep in water. You’ll find yourself wading through not only your flooded home, but also panic and anxiety. What do you even do at a time like this? Well, let’s break it down, so you can be prepared, minimize damage, and make the restoration process as smooth as possible.

1. Don’t Panic

No doubt, a burst water heater is one of the more stressful events a homeowner can experience. Especially when your living space, the health of your family, and your cherished belongings are at risk. The most important thing to remember to do is take a deep breath and remain calm. Once you’ve steadied yourself, you can act quickly to make effective steps toward resolving the issue.

2. Shut Off the Water

The first thing you need to do is stop the flooding. That means turning off the water supply to the heater. This is done simply by rotating the cold water supply valve. if the valve can’t be opened due to corrosion, hard water build up, or any other reason, shut off the main water supply to your home. Pro Tip: It’s important to familiarize yourself with the main elements of your water heater as well as know where your main water supply is. Keep a laminated sheet with this information and any other important information in case you find yourself in this situation. In the worst case scenario, if you can’t shut off the water, give your local utilities company a call to shut off the water.

3. Cut the Power and/or Gas

Water is an extraordinary conductor of electricity. Since water heaters are eclectic appliances, make sure you safely cut off the power to the heater and any affected areas of the home to prevent electrocution. Electrical current isn’t the only danger here. Even without water, heating elements can still be running which can cause fires or burns. If your water heater is gas powered, you will also need to shut off the line contributing to your tank, as free-flowing gas poses both respiratory risks and could start a fire. If you’re not able to identify these lines or aren’t able to break the circuit or stop the gas, evacuate everyone from the home and call 9-1-1 immediately. Pro Tip: Make sure circuits breakers and gas lines are clearly labeled for times like this.

4. Secure Important Articles

Once the water is turned off, make sure you’re able to collect any important family items that may be at risk from the flooding. Try to prioritize documents like deeds and birth certificates of keepsakes. Pro Tip: Keep important family records and cherished valuables in water-proof safes or dry boxes.

5. Take Tons Pictures

Unfortunately, you won’t only be dealing with the immediate cleanup of a flood from a water heater, you’ll also be managing your insurance claim to cover the cost of damages. The best way to maximize your covered costs is to document the scene with pictures. Pro Tip: Integrity Restoration works with every single home insurance provider, so you can rest assured you’re covered.

6. Call a Restoration Service

The flood from a hot water heater can’t be mitigated with a load of towels and a mop. Plus, when water is left to stand, mold can grow and the structural integrity of your home. can be threatened. Call a well-reputed restoration service that can protect your loved ones and that has the tools and expertise to make this disaster like it never even happened. Pro Tip: Keep the number for a restoration and a repair service by your water heater for easy access during emergencies. Integrity Restoration’s is (951) 561-6270.

Let’s Get to Work

Of course, the best way to mitigate water damage from a broken water heater is to make sure your heater is regularly inspected, up to code, and replaced promptly at the end of its life. But, accidents will always happen. Thankfully, Integrity Restoration is here to support you and your family through times just like this. Our response is immediate and we take care of every last detail. If you’re “under water” due to a water heater leak, don’t hesitate and give us a call.Visit our partners,shoes – leaders in fashionable footwear!

If you have any questions give us a call 24/7 at (888) 821-3840