Water Damage Repair and Restoration MN
Water damage is one of the most common homeowner’s insurance claims in the country. Most water damages are caused due to frozen, broken or burst pipes, leaky appliances and flooded basements. These occurrences often lead people to discover the details of their home insurance policies.
When It Comes To Water Damage, What You Don’t Know Can Cost You!
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.
Are You Prepared for Spring Flooding?
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.
Does Homeowners Insurance Cover a Flooded Basement?
Here’s a question thousands of homeowners and renters will be asking now that Spring is finally here. 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.
Water damage can result in increased insurance rates, decreased resale value of home and property, and even health issues for years to come if not properly – and promptly – repaired. Learn how to protect yourself and your family from water related damage with these quick tips:
§ React Fast. Time is of the essence. When water damage takes place it is imperative to contact a Minnesota water damage repair and restoration company as soon as possible. Don’t wait until the next morning – search for providers that offer 24/7 support! Mold and mildew can begin growing within 24 to 48 hours! Thus prompt action is important following a water-related disaster or accident. The speed with which you take action to begin the water damage restoration process will determine how much can be salvaged.
§ Remove. Until all the water is extracted and the humidity levels returned to normal, it may be necessary to remove furniture and other items from the area even if they aren’t in direct contact with the water. High humidity and general unsanitary conditions may contaminate other items. Work with a reputable Minnesota water damage restoration expert that provides water extraction, sewage clean-ups, crawl space drying, structural drying, basement drying, dehumidification, odor control, sanitization, disinfecting, carpet cleaning, debris removal, emergency board-ups and mold remediation.
§ Report. Extensive water related damages often require the financial support of insurance – after all, that is what insurance is for. Don’t risk the health and security of your family and investments by trying to do it yourself; instead, locate a reputable water damage and restoration company that works with insurance to help you begin the process of restoring your property. Find one that is already insurance approved.
§ Renew. Sometimes it is necessary to eliminate contaminated items – especially if the water damage is due to sewage backup, flood waters or other potentially harmful water sources. The rule of thumb is “if in doubt – throw it out”. A qualified water restoration expert can assist in providing valuable information on whether or not your belongings are safe to keep and capable of being cleaned.
§ Review. Water damage can impact the entire home including air quality, drywall, upholstery and even hardwood flooring. Save time and money by dealing with a company capable of providing the services you need. When searching for a Minnesota water damage repair company, consider a full service company that provides carpet and upholstery cleaning, duct cleaning, all with just one call. It saves valuable time and money so you can get your home – and life- back to normal.
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