Welcome back to the Disaster Response blog! Lately, we have been discussing water damage restoration in the Grand Rapids area and, specifically, how that relates to your homeowners insurance policy. I…Read More
Water Damage Restoration Grand Rapids
What Do You Do When the Flood Waters Come?
Water damage can be the result of a variety of issues including a burst pipe, a clogged storm sewer, a flood, or even another aspect of the aftermath of a fire. Though water damage can seem less of a scarey issue to encounter, than say a fire, it is crucial that the affected area is dehumidified and cleaned properly. If you have recently encountered water damage in your Grand Rapids home, read on to learn more about the restoration process and how Disaster Response can help you.
Call Us Right Away!
If you have just experienced a disaster, we are sure there are a million things going through your mind. Seeing your home or business flooded to any extent is shocking, but know that you have someone on your side in Grand Rapids. Disaster Response is a water damage restoration company who has over 30 years of experience helping residents and businesses in the Grand Rapids area recover from mild to the worst disasters. We’ve seen it all and aren’t intimidated by anything. We also believe in helping you every step of the way. From the moment that we are on scene through the insurance claims process, we are here for you.
Call us 24 hours a day, 7 days a week. We are the disaster response team that you can count on.
Water Damage Restoration Process
Though each event that causes water damage creates problems unique to them, generally if you have encountered water damage, there are a few steps to be taken. First, if you encounter standing water, be cautious. Standing water, depending on the source can often carry pathogens that can hazardous to your health if you allow yourself to be exposed to them. Secondly, you must identify the problem. Though it may seem obvious, before you can successfully implement restoration practices, you must solve the issue that is creating it.
After, you’ve identified the problem, next it’s time to get rid of the water and to begin to dehumidify the area. This is extremely important for soggy carpets, wet walls, and damp personal property make prime habitats for mold spores to take root and thrive. When you have just been a victim of water damage, you must contact a water damage restoration specialist so that you can eradicate harmful pathogens that have been left behind and to effectively and completely dry the affected area.
If you’ve encountered water damage in your home, whether it be a leaky pipe or a flooded basement, you should get a mold test. As we’ve already mentioned, wet homes make excellent places for mold to grow and thrive. Mold that is allowed to flourish will not only compromise the structural integrity of your home, but it will also pose dangerous health hazards for you and your family. Exposure to mold can lead to serious health issues which can lead to death.
Mold removal, also known as mold remediation, is—if of course your mold test came back positive—another step in the water damage restoration process. All the affected moldy items and structural elements must be removed and deposed of. After all the mold has been eradicated, and the proper treatments have been applied, it is time to begin repairs.
Disaster Response & Your Home
If you have encountered water damage, whether it be the result of a flood or a leaky pipe, contact Disaster Response. We are water damage restoration specialists that put our clients first in all that we do. We employ experienced restoration specialists that can help you not only clean up your home, but also help you when you have to deal with the insurance company. If you are in Grand Rapids and need help restoring your home, contact us! We have 24-hour response systems in place and can help you clean and restore your home right away. Visit our website to learn more about dehumidification, mold testing, and mold removal. Contact us to learn more about how we can help you!
Understanding Your Insurance & Water Damage
Understanding the way that insurance works can be frustrating, even overwhelming when you are faced with paying for water damage out of pocket. Whether you came home to a watery mess and need water damage restoration or you are wondering how to be prepared just in case a disaster happens, there is never a better time to understand how your needs during a disaster and how your insurance policy works collide.
First, You Must Understand the Source of the Water Damage
When considering your insurance policy and how it will cover the costs of water damage, you must first grasp how insurance companies think about water damage and one of the best places to start is how they differentiate the sources of water damage.
Sudden or Accidental Discharge
This term is a fancy way of saying that the water that caused the damage is from a burst pipe, hot water heater, boiler, air conditioner, appliance, or other similar source.
Will My Policy Cover It?
It depends. If the damage was caused by a situation out of your control, then they will cover it. However, they may not cover all damages.
Sewer or Water BackUp
We hope this never happens to you. No one wants their Grand Rapids home drowning in sewage or dirty storm sewer water. This can happen to anyone due to tree roots growing in the sewer lines or a extremely heavy rainstorm.
Will My Policy Cover It?
Get to know your policy, but there is a good chance that they won’t cover these damages.
Overflow of Your Tub, Sink, or Toilet
Accidents happen due to forgetfulness, a plumbing issue, a child’s curiosity or playtime fantasies. If this happens to you, you will most likely need water damage restoration services.
Will My Policy Cover It?
Yes. Your policy should cover this.
You would think that flooding would be considered any type of water damage, but in “insurance speak” it is not. Flooding damage and water damage are two different things and your insurance policy will sometimes cover water damage, but will — in most cases — never cover flood damage. Flood damage is usually from a natural source, like a lake or river and is only classified as flood damage if you and your neighbors both suffered damages.
Will My Policy Cover It?
No, it most likely won’t. To cover flood damage, you need to invest in flood damage insurance.
What is Covered & What is Not Covered?
Understanding what is and isn’t covered by your insurance policy can be tricky. However, it is not impossible to understand. To gasp what your specific policy covers in Grand Rapids, it is best to contact your insurance agent.
Water Damage Covered
The easiest way to understand what is covered is to boil it down to who’s at fault for the damages. If circumstances are out of your control then most likely your insurance will cover the damages. For example, they will cover the damaging effects of a tub that has overflowed, ice that has collapsed a roof, and damage due to your dishwasher malfunctioning.
Water Damage Not Covered
Your insurance policy in many situations, won’t cover the replacement of the source of water damage, like a broken dishwasher and the damages that were caused by a sewer backup or a natural flood. They also many not cover effects that were caused by a homeowner’s negligence.
If you need a friend during the insurance claims process, contact Disaster Response! We can help you every step of the way: from the very beginning of the water damage restoration process, through the claims process.
Want to know more about the water damage restoration process, how to be prepared for the next disaster in Grand Rapids, and how to kick mold to the curb? Read the Disaster Response blog! We post regularly about practical and informational topics that can help residents and business owners in the Grand Rapids area stay healthy, happy, and safe. Read recent blog posts below and be sure to search our archives to find the information that you are looking for. For more specific questions, be sure to contact our disaster response experts!