Water Damage and Insurance

Water Damage and Insurance

By Michael Panster

There is much confusion as to what kinds of water damage is covered by an insurance policy for homeowners. With a lot of mold claims being rejected, owners of homes have many questions in regards to their homes experiencing water damage.

Examples Of Water Damage Type Your Insurance Could Cover
Insurance policies for homeowners won’t cover damages due to a flood, however depending on the kind of policy you have, it could cover a lot of other types of water damage. Open perils, for example, usually pay for damage from rain entering through a hole in your roof or a window that is broken by powerful storm winds. If you have a pipe leaking which is hidden on the other hand, and water damage happens over time, it might not be covered due to negligence in regular home maintenance. It comes down to whether or not the water damage was made by a peril that is covered like a storm. If the damage happens because you haven’t kept your home repaired and maintained, then your insurance will not cover it. If you are not sure what water damage is covered, look over your home insurance policy and check with your insurance company now before you experience any damage.waterdamage

Cleaning Up Water Damage To Avoid Mold
No matter how the water damage happened, you need to take the same necessary steps to fix it. Do not ignore indications of a water problem in your home which is obvious. You immediately should try to find and stop any leaks at their source. When you have water leaking into your property, moisture can build up, letting mold grow. Mold can cause your property to be damaged further, and can potentially cause health problems. Many insurance companies are restricting mold damage. However, some damage from mold might be covered if it resulted from a peril that is covered. You need to report any water damage immediate to your insurance agent.

When Water Damage Is Caused By A Storm
When sudden water damage happens to your property, like with a storm, it is important to contact professionals right away so they can begin to dry out all the wet areas and get the air circulating in your home. They can also cover any dry areas to stop more water damage. Drying, covering and dehumidifying the wet areas can help to lower the possibility of mold growth as well. Always keep in contact with your insurance agent and get your claims process started right away.

Gradual Water Damage
When you find water damage that has been caused by a leak over a period of time, it is unfortunate that mold might have already started to grow. Trying to clean up the mold yourself can cause it to spread and cause greater problems such as health problems. It can be quite dangerous, so you should leave the professional mold remediation company as soon as you find the mold. You can also call your insurance representative to see if any of the damage will be covered.


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How To Dry Cabinets After Water Damage

How To Dry Cabinets After Water Damage

By Michael Panster

Water from floods, plumbing issues, or appliance problems can cause damage to cabinetry. The key is to get the cabinets dried out quickly to avoid serious Fort Lauderdale water damage. In order to do this you need to evaluate the situation. Because wood naturally absorbs water, most cabinet pieces are protected with a varnish or sealant. Check to see if these protectants are holding up. The longer they are exposed to moisture, the weaker they become. The key to saving your cabinets is to dry out the wood as quickly as possible. As long as the wood has not swelled or cracked, you should be able to save them.

The key is to get the cabinets dried out quickly to avoid serious water damage.
The key is to get the cabinets dried out quickly to avoid serious water damage.

Step One
Disassemble as much of the cabinets as possible. Remove anything that isn’t attached to the floor or walls. Take off the toe kick found at the bottom of the cabinets. Remove all doors and drawers. Set these pieces aside in a dry area. Drill holes in the wood found under the toe kick to help speed drying time to enclosed areas.

Step Two
Take Advantage of air circulation. You’ll want as many sources of ventilation as possible. Open windows and doors. You can buy or rent high powered fans. These will speed up the circulation of air around the cabinets. Avoid using AC or furnace blowers, especially if these have also been water damaged.

Step Three
Get rid of any other sources of moisture in the room. Water logged carpeting or furniture will keep the humidity levels high. Take these items out. Remove any standing water with a wet vac. The less moisture surrounding your cabinets, the quicker they will dry out.

Step Four
Run a de-humidifier in the area. These machines remove moisture from the air in order to dry the room’s environment. They can speed up the drying process. When using the de-humidifier, close the windows and doors, especially if the outdoor humidity is high. You can place desiccants such as clay, silica gel, or calcium oxide in the cabinets as they will absorb moisture.

If the drying job is too large for you to handle yourself, contact a professional water removal company. These experts have the knowledge and tools to tackle any form of water damage. They will also check for mold and mildew which can become a health hazard. Contact your home owner’s insurance to see what services are covered.

Water Damage Prevention

Water Damage Prevention

By Michael Panster

Water damage can be one of the most destructive types of damage to your home and property. This type of damage can occur not only from flooding, but from many other causes as well. Leaky pipes, defective appliances or plumbing problems are just a few of the issues that can result in devastating water damage. Let’s look at some of the most effective ways to prevent water damage in your home.

Most Important Tips to Keep in Mind

  • Make sure you know how to shut off the water in your home. If you don’t know where the main water shutoff is located, you should find out as soon as possible. Installing water shutoff valves in places such as toilets and sinks will allow you to quickly turn off the water in case of an emergency.
  • Always be mindful when there is water running in the house. One preventable cause of flooding is people forgetting that water in the sink or bathtub is running. Never leave the house, or even the room, when water is running.
  • Purchase a water detector for your home. This is a device that will set off an alarm when a leak is detected. Just as you should have a smoke alarm in your home to warn you of fire, it’s a good idea to be warned in case of leaks.
  • Be on the lookout for leaks. If you notice any pipes leaking, inside or outside, make sure you get them repaired as soon as possible. Also look for other evidence of leaks, such as dark stains on the ceiling. Make sure your roof is in good condition and replace any damaged shingles.

Keeping Your Appliances Working Properly 
Appliances such as washing machines can be a source of water damage. A leaky hose in a washer, for example, can quickly create a water emergency that results in serious damage. Water heaters that are leaky or rusty are another common cause of water damage. Keep in mind that water heaters need to be drained regularly to prevent sediment from accumulating in the tank.

Water damage can be one of the most destructive types of damage to your home and property.
Water damage can be one of the most destructive types of damage to your home and property.

Inspect your water heater, washing machine, refrigerator and other appliances on a regular basis. Very often, a leaky appliance can be repaired simply by replacing a hose. This is something you can either do yourself or hire a service contractor to do. When you purchase major appliances, you may want to extend the service warranty when it runs out. That way you can get any repairs done without paying a high fee.

Maintain Good Drainage
Improper drainage can cause serious water damage if the problem is not addressed. Poor drainage weakens your home’s foundation over time. A simple way to prevent this from happening is to clean your gutters regularly. You should also be aware of the slope of your property. If your property is sloped in such a way that water runs towards your house, you should take steps to remedy this. You can create a barrier, such as concrete, to prevent water from accumulating. You may also have to change your soil grade to redirect water flow away from your house.

Water Damage is Preventable
These tips can help you prevent costly and dangerous water damage. Most water damage can be avoided if you are vigilant. It’s better to spend a little extra time and money to keep your home and appliances in good working order than to risk having your home damaged by water.

Signs of Water Damage in Kitchens and Bathrooms

Signs of Water Damage in Kitchens and Bathrooms

By Michael Panster

 The common places for this to occur are, not surprisingly, in the rooms where there is the most plumbing: the kitchen and the bathroom. It is important to inspect your home to look for signs of leaks. Here are a warning signs to look out for.

1. An increase in water bill. Often a change in water bill can be seen long before a water damage problem appears. If your bill increases for no reason, it is time to look for a cause.

2. Damp or moldy smells. Water-logged materials smell differently than dry ones. If you notice a wet smell, see if you can identify where it is coming from.

3. Discoloration on walls or floor. Water damage will often leave a ring or other stain on woodwork. If you see this appear, you need to find out where the water is coming from.

Water damage is very common but always a stressful experience for homeowners.
Water damage is very common but always a stressful experience for homeowners.

4. Warped wood. If your floor no longer is completely level or your cabinets are slightly warped, this damage is likely from water or dampness.

5. Changes in paint appearance or texture. Although you may not notice a wet spot, there often will be changes in the paint near leaking water lines. If you see lines, rippling, or other changes in the appearance or texture of your paint, have the lines behind the wall checked for leaks.

While a water damage problem is most likely to occur in the kitchen or the bathroom, this can be prevented. Take note of small signs like these and prevent expensive damage before it even occurs. If your home has had water damage, call a professional restoration service immediately. It is important to stop the leak and remove the moisture as quickly as possible, for the health and safety of the people in your home.