Posts Tagged "flooded basement cleanup"

Water Damage – Will Your Home Insurance Policy Pay For Water Damage? Part 2

Is Your Home Insured Against Water Damage? Will My Insurance Cover It? Yes. No. Maybe. The single most confusing element related to water damage is what is and is not covered. Find out what you have, or don’t have, and learn what you need when it comes to water damage and your insurance. Continued from MN Water Damage – Will Your Home Insurance Policy Pay For Water Damage? Part 1  We will try to clarify some of these points in this blog. Common Water Damage Insurance Scenarios Here are some common causes of water damage. Find out if you are covered by your insurance policy if you face any one of these common scenarios. Scenario 1: If your water pipes froze due to the cold weather and burst, flooding your home with tap water. In this scenario, most homeowners insurance plans will cover you on a conditional basis. If the house was unoccupied when the incident happened and the pipes burst because you forgot to turn on the heat before leaving, some policies may not cover the damage. This is because the incident may have been easily prevented had it not been for your negligence. Scenario 2: Your washing machine or dishwasher overflows and floods your basement, laundry room, or kitchen. In this scenario, the decision depends on the reason what caused the water appliance involved to malfunction. If the damage was accidental or was due to some defect in the appliance, your policy may cover the water damage repair, but not the repair for your appliance. However, if the problem was caused by your lack of maintenance, your policy may not cover it. Scenario 3: Your sewage system backed up and flooded your basement. Basic home insurance policies do not cover basement floods caused by sewage water damage. Most companies frown upon sewer backups because the water involved is black water or is highly contaminated. In fact, several policies specifically list sewer backups under its exclusions. Thus, if you want to be protected from this, you will have to pay extra for special coverage. You can use the following list as a general guide to what is and isn’t covered or simply refer to the Summary of Coverage (PDF 108K) to help you better understand your policy and coverage. Scenario 4: Water seeps through your basement foundation and damages your home’s foundation and basement interior. Water seepage problems are not covered by homeowners insurance plans. This is because seepage only occurs if you failed to have foundation waterproofing installed before you had your house constructed. It is not considered as sudden and accidental. Scenario 5: Heavy raining caused a nearby river to overflow and the flood enters your living room. It also damages some of your furniture. This scenario is considered as flood water damage, and is excluded from regular home insurance policies. If you want coverage for flood damage, you have to purchase an additional flood insurance rider. You also have the option to avail of federally provided flood insurance plans, which are offered by the National Flood Insurance Programs to communities participating in its floodplain management project. You can determine if your property is eligible for flood insurance by checking the NFIP Community Status Book. For Minnesota PDF 49KB Scenario 6: Fire water damage Another water damage cause that almost all homeowners insurance companies frown upon is fire water damage. Such damage is excluded due to the high level of loss they often entail. Like with flood damage, fire damage will only be covered if you purchased of an additional fire insurance rider on top of your...

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Minnesota Flooded Basement? You Need It Done Right!

Water Damage Flood Damage Repair and Restoration One of the worst nightmares a homeowner can have is a flooded basement! Not only is it a horrible inconvenience, it can also significantly lower the value of your property. A professional evaluation is needed to better ascertain the extent of the potential damage that may be lurking in your home or building. Hire a professional Minnesota Water Damage Restoration Company to determine the cause of potential damage and provide a specific remedy for effective removal. Water Damage To Your Home In other situations, a water pipe may burst, and air conditioning leak, moisture intrusion, backed up septic tank or sewer line, or a sump pump may malfunction while you’re away on vacation and do serious water damage to your home and possessions. Water damage can be hazardous to your health if the proper, effective identification (Cat 1-3), professional analysis and remediation are not taken into effect. You Need A Minnesota Water Damage Restoration Professional If there’s water in your basement, and you need it Done Right, you need an expert that is experience in dealing with mold, mildew, fungus and water that might be contaminated. Keep you and your family safe. A Minnesota water damage restoration professional will have the skills to have your basement available to you again in no time at all. If your home or business has sustained ANY type of water damage, you need to have a qualified Minnesota restoration company that does Water and Flood Damage Cleanup. They will have the proper state-of-the-art equipment to clean up any water damage, such as Fans, Dehumidifiers, Air Scrubbers, Ozone Machines, Desiccants that can save most...

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Water Damage and Basement Water Problems

Basement Water Damage Can Happen To Your Home Basement leakage is one of the most common problems found in houses. While structural damage caused by leakage is very rare, water in the basement can be a major inconvenience, and often causes damage to interior finishes and stored items. In addition, odors caused by mold, mildew, and lack of ventilation are particularly offensive to some people and can even be a source of allergic reaction. A Problem That Can Damage Your Health and Home Moisture problems in existing basements are also common, but often are not understood or properly treated. In a basement that is seldom used and separate from the living spaces above, this may not present a great problem. However, most basements in Minnesota are connected to the rest of the house through ductwork or other openings. In addition, basements are increasingly used as finished living and bedroom spaces. In these cases, moisture problems are not only annoying and uncomfortable, but can lead to significant health problems. Molds and mildew can grow in damp carpets and beneath wall coverings. Finishing a basement without first dealing with the moisture problems can result in making health conditions worse and lead to significant damage as well. Basement water problems are solvable, but there is a cost to doing it right. Solution To Moisture and Water Problems It’s a fact: Water damage can happen after just 48 hours. Act fast or drywall water damage, carpet water damage, leaky basements and home water damage can happen. We know as you do, that the safety of your family is your highest concern. Moisture can cause illness-causing mold and also damage materials you want to store or use in your basements. A wet basement is unlivable, unhealthy, and a hazard. If you have a house flood, you need to get the water out of your home right away. You need comprehensive water damage and water damage restoration services from a trained Minnesota Water Damage Restoration Expert. There are companies especially trained and equipped to extract water out of water damaged homes quickly, so that it won’t damage the structure itself. They also use special tools and techniques to dry up the house so that it won’t become a breeding ground for mold and other bacterial growth.  ...

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