Posts Tagged "water damage insurance claim"

Water 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...

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Flood 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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Water Damage Restoration Company MN | Water Damage Repair

Minnesota Water Damage Restoration Minneapolis MN Water damage cleanup, repair and restoration can be a costly operation.  In fact, water damage is one of the top reasons why most home insurance plan holders make claims.  Most water damages are caused due to burst pipes, leaky appliances and flooded basements. When your home suffers from storm damage, a flooded basement, sewage damage, immediate action is required to remove the water and minimize the damage and loss. The winters are a time when water intrusion into your home has an added opportunity to occur when it snows and the temperatures remain at or below freezing for a minimum of 2-3 days. Although the first half of the 2011-2012 Winter storm season has been relatively mild, it is still possible for Old Man Winter to pack a powerful punch. Winter weather that is more severe than usual in your area can cause a number of problems ranging from water leaks to burst pipes, flooded basements, and roof collapses. These problems are frequently thought of as a northern climate problem. However, whenever an unusually cold spell occurs or a particularly heavy ice or snow accumulation builds up for the area, some buildings start getting into trouble. Ice Dams Ice dams — or ice buildup on roof eaves are all too obvious and all too familiar to Minnesota homeowners. Snow buildup on your roofs can form what are called “ice dams” and leak water into your attic. If enough moisture penetrates through your roofing materials and gets absorbed in the insulation or sheet rock, you won’t notice it until the damage has reached a level that could require a professional to remove it. If you uncover snow-related damage to your home as you are digging out from a blizzard, keep in mind the insurance industry’s approach to paying water-related damages.  Snow, after all, is but frozen water and insurers have canceled policies, reduced coverage and raised rates to fight the growing numbers of claims paid for water- and moisture-related damage. Insurers also encourage policy holders to do what they can to avoid the need for such claims. If you are a repeat “offender” with previous moisture-related claims or didn’t previously take steps to prevent or minimize snow damage and damage that could result when snow melts, you could lose your policy, get hit with higher premiums or discover the snow-related damage simply isn’t covered. Maintain Your Home Throughout A Snow Storm “Mold is an issue right now. If you didn’t clean up that puddle of water for three months and it creates mold, it gets tricky. The industry prefers that you take care of your home as much as possible. Houses that have been flooded are at serious risk for molds, especially in areas when are high humidity and temperatures provide the mold with the perfect place to reproduce before cleanup begins. Juries have awarded huge sums of money to homeowners who initiated lawsuits against their insurance companies, with most awards given to people whose insurer did not pay for moisture-related repairs in time to prevent severe mold problems. Freezing conditions such as burst pipes or ice dams, a condition where water is unable to drain properly through the gutters and seeps into a house causing damage to ceilings and walls, is covered (while the actual pipe itself is generally not covered). However, there is generally a requirement that the homeowner has taken reasonable steps to prevent these losses by keeping the house warm and properly maintaining the pipes and drains. Standard homeowners policies typically cover losses related to bursting pipes, ice dams, wind damage,...

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Water Damage Restoration Maple Grove MN

Maple Grove Minnesota Water Damage Repair When dealing with water damage, being thorough and being fast is the key.  In order to avoid your property falling into decay and having to deal with much higher water damage repair expenses and the risk of mold and bacterial problems – which could cause severe reactions or disease – you should reach out to a water damage repair specialist who can take care of the problem quickly and effectively. If you don’t respond appropriately within the first 24 to 48 hours, you are likely to face much greater issues as your water damage problems compound.  Your water damage repair expenses can increase by the thousands, while the probability of experiencing severe health issues also increases. Time Is Your Enemy Waiting is a bad idea when it comes to water damage cleanup.  In as little as 48 hours, the probability that water damage will cause severe damage is increased by a factor of 10.  This means that the expense of the water damage cleanup can also be increased by thousands of dollars. Responding to water damage quickly is extremely important, and is second only to preventing water damage.  By responding in a timely manner – victims of water damage can reduce the amount of damage to their homes and wallets considerably. So don’t put it off – every minute is costing you money, and increasing the amount of time it will take to clean up your damage. Insurance Approved Water Damage Restoration What could make your watery situation even worse?  Dealing with difficult insurance companies! The last thing you want or need is to have to deal with the insurance company and that entire process. Individuals who try to navigate their insurance alone can often find they have complicated the situation further, and are forced to wait much longer than necessary to see their insurance come through for them. Letting professionals who are experienced in these situations help you through the muck can not only save you a great deal of aggravation, they can help speed up the process! An expert in water damage restoration, water extraction, flooded basements, and sewer backup restoration can help you wade through those waters. They bring with them not only the expertise to restore your property – they come with years of dealing with insurance providers! One Call Does It All! Direct Insurance Billing | At Your Door in 1 Hour or Less | 24 Hour Service We work with all insurance companies and can help make this process a lot easier and less distracting for you.  All you need to do is to call Done Right and we will guide you through the process. For the future: It is important that you ensure your insurance covers water damage to your property! Whether homeowners, renters, or business – contact your insurance provider and make sure that you are covered for water damage caused by: Floods Tornadoes Burst Pipes Sewage Backups Other natural disasters Other failure within your property You should also be sure of the following: You have liability insurance Your Business is covered What your Flood Insurance...

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Water Damage Cleanup Repair and Restoration Minnetonka MN

Minnetonka, Minnesota Water Damage Restoration Water Damage to Your Home Water damage is one of the most common reasons for claims against insurance policies. Does your homeowner insurance policy cover you against the most common types of water damage? Many homeowners only find out what their insurance policy doesn’t cover when they make a claim. Homeowners Insurance: 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. Many homeowners only find out what their insurance policy doesn’t cover when they make a claim. Here are some of the most common types of water damage, and what you can expect if you need to make a claim. 1. A pipe bursts in your home and floods the living areas. Are you covered? It depends on the circumstances, but generally the answer is a qualified yes. Your homeowner will usually cover the damages to your home and furnishings, but not the cost of repairing the burst pipe. The repairs to the pipe are considered a home maintenance issue rather than an unforeseen circumstance. There are some exceptions, since your insurer does expect you to take reasonable care and caution with your property. You may not be covered, for instance, if you left your home unoccupied and unheated for several days in the dead of winter and a pipe bursts as a consequence. 2. A sewer overflows, flooding your finished basement with water and sewage. Will your homeowner insurance cover the cleanup costs? Unless you have a special endorsement or rider covering damage from sewers and drains, you may be on your own. Many, if not most, homeowner policies specifically exclude damage caused by sewer backups and overflows. If your home has a finished basement or a basement workshop, a sewers and drains rider could be worth its weight in gold. Often, the cost of repairing the damage after a sewer backup goes far beyond replacing the carpet. You could be faced with massive cleanup and decontamination costs. 3. Your washing machine breaks, and the flood of water damages your living room carpet. Will your insurance pay to clean the carpet? Generally, the answer is yes. A standard homeowner policy will cover the cost of cleaning or replacing the carpet when an unexpected appliance breakage damages your property. There may be exceptions to this, however, especially if your insurer determines that your washing machine hasn’t been appropriately maintained. 4. Your roof leaks during a heavy rainstorm, soaking your daughter’s bedroom walls and furnishings. Will your insurance cover the damage? Your homeowner policy will usually cover the damage to property caused by the water, but not the cost of repairing the roof. That could include the cost of repairing and repainting or papering the walls, replacing damaged furniture and cleaning draperies, bedding and clothing. If the leak was caused by something more drastic, say a tree branch crashing through your roof, the insurance will also cover the cost of repairs to your roof. 5. Your bathtub overflows, and the water damages the floor and the ceiling below. Can you make a claim? Yes. Even if the overflow was your fault because you forgot to turn off the faucet, your homeowner policy will usually pay to repair the damage. 6. Your swimming pool leaks and the water damages your garden and lawn. What will your insurance cover? Usually, nothing. Damage to your...

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