The Scale And Costs Of Hurricane Irma

By Michael Panster

Hurricane Irma is stacking up to be one of the costliest hurricanes in United States history, with estimates totaling up to over $200 billion in costs, most of which will be borne by insurance companies and private homeowners. These estimates would potentially place Irma over Katrina in economic cost, although casualties and loss of life are expected to be much lower than 2005’s Hurricane Katrina. Florida claims the largest share of the storm’s damage, with most of Irma’s power centered along the state’s entire peninsula and panhandle, but damage from rain and flooding has reached parts of Mississippi and Tennessee.

Picking up the pieces from such a disaster is expected to be both costly and time-intensive. Intensive flooding, fires, and other forms of storm damage have left much of Florida in ruins. For some, cleanup should involve little more than some drying, repainting, and repurchasing of lost items. Others have lost entire homes and properties. The Keys, in particular, have been hit heavily, with many houseboats destroyed and land-based properties completely submerged as entire islands at a time went underwater.

Flooding can cause visible and difficult-to-remove types of long-term damage to a home, such as staining, material warping, and mold growth. While immediate response and cleanup efforts can significantly reduce these effects, in the aftermath of a hurricane on the scale of Irma, transportation infrastructure does not often allow for concerted and well-rounded responses. As a result, many property owners are forced to start cleanup much later than they would prefer, increasing both costs and time spent on repairs.

Newer homes are built to higher standards and have consequently withstood the storm much better than old developments. Older homes face, in some cases, complete destruction and problems on a structural level. For these homes, which may face total destruction if their problems are not carefully addressed, contacting a professional storm damage cleanup and restoration company should be a top priority. These companies help to rebuild and replace after a storm without placing undue strain on an already-devastated homeowner.


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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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