Minnesota Water Damage Restoration Minneapolis MN
After the Water Damage: What’s Next? Water damage comes in a variety of ways and quantities, from simple seepage through cracks in the floor or foundation, leaky water heaters, and overflowing toilets or sinks to broken pipes, backed up sewers or septic systems, and outright floods from lakes and rivers. No matter what the source or cause, unwanted water can do enormous damage to your belongings and property. Water damage requires a prompt response in order to clean up the mess, make your home livable, and prevent mold. While the cleanup crews move quickly, the aftermath can seem to take forever. There are many things that demand your attention. You have insurance claims forms to file, bills to pay, and items to replace. In the event of a disaster, a detailed inventory will be imperative for your compensation. Creating a Home Inventory Creating a home inventory is one of the most important steps you can take in order to make sure you are adequately insured–and it can make filing a claim in the event of a disaster much easier as well. After all, it’s the inventory that establishes which items the insurance company will pay to clean, restore, or replace – and it’s the inventory that the insurance company uses to determine how much to pay. With this in mind, thoroughly documenting all damaged items is an absolute must. What should an inventory contain? At its most basic, a home inventory is a list of all of your home’s belongings and their value. Ideally, you will have created a home inventory before any damage occurs. This would give you a good starting point for your insurance claim. Whether you have an existing inventory or not, after a water damage claim, you will need to identify and list all damaged items as part of the insurance claims process. If you have an existing inventory, use it to highlight all damaged items, adding items to the list if necessary. If you do not have an inventory, you’ll need to start from scratch. Separate all water damaged items from the non-damaged items. Your water damage restoration company may have already done this step for you. Next, take photos of each item and list each item on a sheet of paper or in a spreadsheet. You’ll want to note the following: Item name – What type of item is it? For example, TV, antique vase, computer tower, area rug, etc. Item description – Describe the item in greater detail. For example, 55-inch Sony Bravia LCD TV or handmade 12×12 blue and yellow Turkish area rug Value – How much did you pay for the item? How much is it currently worth? Purchase date or approximate age – When did you purchase the item? How old is it? Any special notes – Here’s where you’ll enter additional details. For example, is the item one-of-a-kind? Upgraded? Home Inventory Worksheet Disasters happen. When they do, we will be there. We will keep you operating and get your facility or business back to normal as quickly as possible. We offer complete emergency services through minimizing further damage and restoration of both building and contents. “One Call Does It All 612-331-4454” Direct Insurance Billing | At Your Door in 1 Hour or Less | 24 Hour Service 24/7/365 Emergency Service. Approved by all insurance companies. Fast Response. A Rating with BBB. Done Right Water and Fire Restoration. Call today free estimates....
Read MoreWater Damage Mold Cleanup and Restoration MN Part 2
Water Damage Mold Insurance Claims Continued from Water Damage Mold Cleanup and Restoration MN Part 1 Mold has recently emerged as the dominant cost driver in some states. Mold is certainly not new—it’s been around for hundreds of millions of years—but the sharp rise in mold claims is definitely a 21st -century phenomenon. Multi-million dollar jury awards, sensationalized reporting in the media and profiteering by some individuals have led to an explosion in mold claims and costs. Water Damage & Mold “Mold is Gold” has become the popular mantra of trial lawyers and no wonder. The true magnitude of the problem is obvious — there has been a 300% increase in mold-related lawsuits during the past three years. According to the Insurance Information Institute, there are 10,000 such cases pending today nationwide (“Lawsuits, Insurance Claims Over Mold Damage on the Rise, USA Today,July 17, 2003.) The cost to the construction industry is staggering. Hundreds of millions of dollars are being spent each year on mold litigation, claims and remediation. It’s hard to put a precise dollar figure on mold damage because most insurers don’t separate mold claims from water-damage claims, according to Claire Wilkinson of the Insurance Information Institute. About 22% of all homeowners insurance claims result from “water damage and freezing,” a category that includes mold remediation. A 2003 white paper on mold from the III put the cost of the average mold claim between $15,000 and $30,000, at least five times the average non-mold homeowners claim at that time. Fixing Water Damage NOW Prevents Mold Problems Later! Mold Can’t Grow Where Mold Can’t Eat! Unlike asbestos and other materials that have been the focus of “toxic” tort litigation and construction defect claims, mold is naturally occurring. The three elements necessary for mold growth—food, air and water— are found in every building. In fact, mold is everywhere. Because mold is always present, it is impossible to conceive of anyone who has not been exposed to some form of mold. Eliminating mold growth, or even the possibility of mold growth, is a key component of water damage restoration. The most effective way to prevent mold growth on water damage losses is to begin the drying process quickly. Restoration companies who are aware of possible mold growth problems usually know how to dry structural materials with heat, air movement and by lowering the indoor relative humidity. This is an effective way to dry a building because material removal is minimized and mold growth is retarded. Water damage is hazardous to health and dangerous for any home or business, therefore time is of the essence when it occurs. Within minutes of water intrusion, damage can begin. Unwelcome moisture starts by staining ceilings, walls, and floors, and then can turn into dangerous mold growth. It only takes mold 24 to 48 hours to grow in the right moisture conditions. Chances are, if you can’t see the mold and have a musty smell, that you have “hidden” mold. Hidden mold tends to be located in the air ducts, on the back side of dry wall, paneling or wallpaper, on the underside of carpets and pads, behind furniture, just to name a few locations. The long-term health issues associated with mold can be reduced by ensuring that a proper cleanup is done. If you suspect you have a mold problem from hidden water damage, it is always best to hire a qualified and experienced specialist that is knowledgeable in the latest water extraction and drying methods. A Certified (IICRC) Water Damage Restoration Professional can help you locate the water source, do the necessary testing and...
Read MoreWater Damage Mold Cleanup and Restoration MN Part 1
Water Damage Mold Insurance Claims Water damage claims are probably the most common claims made under homeowners’ policies in the country. Over the past 12 years, insurers paid out more than $100 billion in catastrophe-related losses—about $700 million per month—many times more than in previous decades. Most water damages are caused due to frozen, broken or burst pipes, leaky appliances and flooded basements. In fact, frozen and broken water pipes rank No. 2 only behind hurricanes in terms of both the number of homes damaged and the amount of insurance claim costs in the U.S. In most cases, pipes break during freezing weather. A third, and probably most devastating, type of water claim is from flooding. Flooding is also probably the most misunderstood of the types of water claims. The reason for the misunderstanding is that flood is not normally covered by most insurance policies. To have flood coverage, it is usually necessary to have special flood coverage. A good rule of thumb in trying to determine if there is coverage for water damage is, “If the water comes down, it might be covered. If it comes up, it is usually not covered.” The exception to this is the backup of sewers or drains. On some policies, drain backup is covered. The first goal is to avert serious health problems that can be caused by mold, mildew, fungus or contaminated water. Water damage never comes at a convenient time! But when it does, it needs to be done right or the lingering odor or telltale marks that can significantly reduce the value of your property. Insured Bill of Rights You need a restoration expert that works for you to protect your interest. Under The law, it is your right to choose what company will perform work in your home or business. The Insured Bill of Rights states that you have the right to choose! When deciding which restoration company will suit your needs best, look for a qualified and reputable company, that will stand behind work performed and warranty responsibilities. Click here to view the Insured Bill of Rights PDF Insurance Damage Repair Bill of...
Read MoreWater Damage Restoration Plymouth MN | Broken Water Pipes
Prevent Water Damage From Broken Water Pipes Water damage or basement flooding can come from a variety of sources. There could be bad weather conditions or there could be a leaky or broken pipeline. Even a cracked foundation will result in water damage. If it was something as simple as a faucet, you can do it your self. But, it can get more complicated when a hidden pipeline is broken. Frozen, Broken Water Pipes Can Be Home Owner Nightmare Water is capable of causing extensive damage to your home property with damage to floors, ceilings, walls, rugs, furniture and other personal property. A slight 1/8-inch crack in a water pipe can release and amazing 250 gallons of water per day. Broken Water Pipes Broken Water Pipe in a home in Plymouth MN from a pinhole leak First identify the extent of the water damage by inspecting the area for stains and softness. You also want to pinpoint the source of the problem. Pipe breaks are a leading cause of flood damage. In most cases, pipes break during freezing weather. In fact, frozen and broken water pipes rank No. 2 behind hurricanes in terms of both the number of homes damaged and the amount of claim costs in the U.S. As temperatures fall, water expands and causes localized pressure. When the pressure becomes too great, a break occurs. This may create a pinhole leak, hairline break or large crack. Find That Leaking Pipe! The dripping water may be coming from quite a distance away and is certainly an indication of a much greater problem. If you know there is water leaking, but you cannot find the source yourself, then you should get professional help right away. These types of problems only get worse the longer they are left untreated. Broken Water Pipe in a home in Plymouth MN Pinhole leak in ceiling water pipe in the basement Removed wet sheet rock and insulation If the insulation is wet, remove it and dispose of properly. After being wet, most insulation is ineffective, but it will continue to hold moisture for a long time and will create high moisture conditions which will damage metal, masonry, and wood. Materials in your home that get wet from leaks, like sheet rock, wood and carpet, can not only result in expensive repairs but pose a serious health threat from mold and mildew. Do not attempt to dry sheetrock. It is impossible to completely remove mold from porous surfaces such as paper, Sheetrock (drywall) and carpet padding, so these materials should be removed and discarded. Usually, attempts to dry sheetrock after a flood have been a waste of time and effort because it is labor intensive to dry interior walls and it is not possible to dry interior walls with insulation or multiple layered sheetrock. Mold resistant sheetrock may be specified when installing replacement sheetrock. • Disinfected and dried structure Drywall Water Damage If you have a sheetrock (drywall) water damage repair job due to a leaky or broken pipe, a flood or other cause you need to give it immediate attention. If mold gets in or behind drywall, it’s a serious matter. Where there has been water damage, black mold may appear, but mold can also grow in areas that are hidden. It’s common for fungus to spread to nearby areas, such as surrounding walls, floors, carpets and ceilings. The big concerns with drywall water damage repair, is being absolutely certain that you are not overlooking the true extent of the damage. Sagging or wet drywall is easy to identify and cut away. But there...
Read MoreFlood and Water Damage Restoration MN
Flood and Water Damage MN – Wondering About Your Insurance Coverage For Water & Flood Damage? The spring thaw may seem a long way off. But it’s not. It is often said about Minnesota that we have two seasons—winter and road construction! With spring rains and spring flooding just around the corner, and there are things people can be doing today to help ensure they’re as prepared as possible should flooding occur in their area. The first thing people should consider – even those in low-risk flood zones or areas which have never flooded before – is purchasing flood insurance. According to an interactive tool on NFIP’s website just 2 inches of water could cost you $7,800 in cleanup. And over the past 10 years, the average flood claim has amounted to over $33,000. Flood Safety Awareness Week is March 12-16 Learn more about flood risks and what steps you can take before, during and after a flood. You may figure that if you are in a serious flood that federal disaster assistance will pay for your damage, right? Wrong! Federal disaster assistance comes in the form of a low-interest loan, not a grant, and only if the President formally declares a disaster. You are eligible to purchase flood insurance as long as your community participates in the National Flood Insurance Program. Check the Community Status Book to see if your community is already an NFIP partner. Consumers should be aware that flood insurance policies generally take 30 days to go into effect. For more information on flood insurance, and to find out your flood risk, visit www.floodsmart.gov. FLASH_Insurance_Guide Does Homeowners Insurance Cover a Flooded Basement? Here’s a question thousands of homeowners and renters will be asking now that Spring is just around the corner. Will insurance cover the water damage in my basement? Unfortunately for most the answer is “probably not.” Standard Homeowners’ insurance does not cover damage from flooding, so unless you have a specific flood insurance policy, you will have to foot the bill for any water damage from the recent rains. The Insurance Information Institute offers this rule of thumb: water that comes from top down (ice dams, for example) is generally covered, but when water comes from the bottom up, such as in flooding, it’s not covered. Homeowners Insurance Is Not Flood Insurance! Only Flood Insurance Will Cover Your Flood Losses If an individual relies on a homeowners insurance policy to cover whatever flood damage occurs, the result will not be favorable to the property owner. Only flood insurance will cover such losses. Because flood insurance has a 30-day waiting period, property owners should not let an imminent flooding force a decision to obtain this insurance. There are two basic insurance policies that deal with a homeowner’s damage due to water — a flood insurance policy and a homeowner’s insurance policy. Losses not covered by one of these policies may be covered by the another policy. Knowing the losses to which your home could be exposed will help you decide whether to buy one or both of these insurance coverages. While insurance policies may differ in the coverages provided, often there are basic features common to all policies. The homeowner should ask his or her insurance professional about the specifics of one’s specific insurance policy. In the meantime, the following general information is based on standard insurance policies. Flood Insurance As the name implies, a standard flood insurance policy, which is made available by the National Flood Insurance Program, provides coverage up to the policy limit for damage caused by flood. The dictionary defines...
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