Water damage tops the list as one of the many insurance claims related to homes in many areas. The International Organization of Standards (ISO) ranked water damage as the second-largest insurance claim. Indeed, water damage claims have been on a steady increase over the years. This could be why people have become naturally curious about matters revolving around water damages, particularly what the insurer will include in their homeowner’s coverage.
The issue with floods is that they can be quite severe. They can damage your home to a great extent and can occur due to fire damage or natural disasters. Depending on the fire damage or natural disaster, your house may still stand. If it stands, it may require quite a bit of repair. You may have to deal with fire damage restoration, mold remediation, and other emergency services. These other services may range from smoke damage restoration services, water damage restoration services, and similar services for residential and commercial clients.
Of course, these situations will require cleaning services, carpet cleaning, repair services, mold removal, and more by restoration professionals.
As such, it is very important to pay attention to as homeowners need to know what is covered and what they would have to account for in their lives. Sure, many issues can arise when it comes to your home, and preparing for potential issues can help you sleep well at night.
Here is what you need to know about water damage claims-related aspects like flood damage, broken pipes, and other matters related to the restoration process.
The Difference Between Water Damage and Flood Damage
Knowing the difference between flood damage and water damage helps you understand how to navigate the situation when a disaster comes knocking.
You will want to know the different aspects of this situation because you would have to approach your insurance company for assistance.
Remember that water damage will be covered by your insurer while flood damage will not. This is due to a variety of reasons, but the primary point revolves around risk. Flood damage claims can be an issue because of the severity of the claim. Further, flood damage claims can occur with frequency in certain areas and can affect a whole host of communities.
As such, insurance companies will not want to take on that level of risk and find themselves paying out more than they take in with premiums. This shows the importance of knowing whether your insurer will cover all or part of water damages in your claim.
Here is a list of cases that qualify under the classification of water damage:
Conversely, here’s the list of water damage issues that may not be included in a standard homeowner’s insurance coverage:
In essence, most of the water damage issues not covered by a homeowners insurance policy are gradual in nature. Therefore, there is a strong potential that your claim may not be considered even if your policy covers water damage.
The critical point here is that the cause should be sudden, out of your control, and not due to lack of maintenance. Further, it should be due to a flood.
When will an Insurance Company Cover Gradual Water Damage?
There are instances (special occasions) where insurance companies take the initiative of catering to a gradual damage claim. However, whether or not the insurer will provide coverage dramatically depends on the verbiage of the policy or insurance contract. It would be a great idea to get in touch with your broker or insurance advisor to review the exclusions touching the types of coverage you are entitled to.
How To Avoid Being Denied Your Water Damage Claim?
It is very easy to be denied a water damage claim. However, you need to be conscious to minimize the chances of denial. Proper guidance and knowledge about your homeowner’s policy details can come in handy when you want to file a water damage claim.
Here’s how to avoid getting your water damage claim denied:
You will notice that the tips on how to avoid being denied your water damage claim revolves around ensuring that you do your part. It revolves around you doing your part to read the contract, have a conversation with your insurance company or insurance representative, and conduct the right maintenance to minimize the loss of coverage due to a lapse in responsibilities.
Remember that fire damage restoration, mold removal, flood cleanup professionals are there to help in various situations. You can reach out to mold removal, water extraction, and structural repairs experts for your restoration project and move forward with property restoration.
How to Maximize a Water Damage Claim
You never know the worth of your homeowner’s coverage until your ceiling starts dripping or your plumbing system starts causing havoc. It is here where you will lean into that belief that you’ll get things settled when you file the claim with your insurer, right? Well, this is at times partly true. Your insurer is in business and will try to lower the amount paid if they can.
But if you have conducted all of the necessary steps, have taken the right precautions, implement maintenance, and have a covered claim, then you will most likely be able to move forward with your claim.
Nonetheless, you can maximize your claim by adopting these steps:
Reach Out To Us At Portland Water Damage Restoration Services
We are a top-rated water damage restoration service in Beaverton Oregon and have experience in mold remediation services and restoration services. Our professionals deal with a wide variety of services relating to mold remediation, damage restoration, and carpet cleaning for residential and commercial properties. Whether you have had a washing machine break down or have mold damage due to a flood incident, reach out to us for a free estimate on your restoration project.
If you are looking for a free estimate and assessment of your restoration project in Oregon due to plumbing leaks, interior flooding, basement flooding, and aspects such as mold growth, reach out to us today. We are a locally owned service provider that would be pleased to offer our help to resolve the aftermath of your sudden burst pipes situation or other emergency situations.
Our professionals have the training, the advanced equipment, and the years of restoration work to serve customers to the best of their ability. They will work through the affected areas and get to work as quickly as possible.
Contact us at Portland Water Damage Restoration today for quality work and property damage restoration.
As a homeowner, it’s quite probable that you have devised ways to secure your property from risks such as fire and water. Are you aware of any existing homeowners insurance policy and what it covers? If your answer is no, then it’s about time you find out about the existing home insurance covers including the common water damage scenarios that they cover.
Working with a home insurance company to protect your property against disasters and accidents will save you money. The insurance company will cover your property from water damage caused by burst pipes and not if you left the house unoccupied. Do not claim compensation for water damage from an unoccupied house as doing so can get your claim denied.
It will be easy to restore your home and property after the occurrence of a disaster such as flooding caused by a nearby lake. Disasters occur in different forms including flood damage, accidental fires and personal injuries from accidents.
As a property owner whether you reside in the plain or highlands, you are prone to water damage risks. You can acquire a flood insurance policy to protect your family and property from the following common water damage scenarios. Below are some of the common water damage scenarios and their insurance consequences:
Your home basement is prone to water damages and it might take quite a while before you get to discover it. The fact that most basements do not involve a lot of activities for many homes the riskier it is for them to be destroyed by water leaks. It may begin with just a small slippage of water into it but in the long run, it bursts into a serious problem.
You will soon see mold growth on the walls or areas near the standing water. The cause of the flooding in your basement may result from your washing machine overflows and cause serious damages if not handled in time. Flooded basements are a common problem in homes and a possible damping zone for other malfunctions. To get an insurance claim for such, you will have to prove to your insurance provider that it was accidental damage and not a house maintenance issue.
The damage to your basement and your personal property are covered, but not the damage to your manicured lawn. At the Pacific NW water restoration company, we can help to reinstate your basement back in shape from water damage. Using our water damage restoration services, we will work to clean the basement, drain out the water and secure it. We will work to identify the source of water leakage and reconstruct it for a permanent solution.
Leaking water scenario and related insurance company claims
Burst pipes, leaky appliances and flooded basements often lead people to discover the details of their home insurance policies. Most of the time, if an appliance breaks and water leaks, insurance covers it. Depending on the location of the water leak, it might take you a while before you realize the serious damage that it can cause to your home.
Roof leaks can unexpectedly develop due to a fallen branch that creates a gaping hole, heavy rainstorm, snow, or extreme weather. It's possible that water from excessive rainfall slips into the roof settling on top of it and eventually starts leaking. You will require the services of water restoration experts to help you assess the extent of the damage and how to restore it.
Water damage insurance claims are common for most insured households in the US. Water leak in homes could also be caused by undiscovered broken pipes causing wood damage and other risks if not fixed as soon as possible. Flooding isn't covered by home insurance. Instead, you must purchase flood insurance to properly protect your home, belongings and financial future. You can purchase flood insurance as long as your community participates in the National Flood Insurance Program.
A faulty plumping system scenario and the home insurance claim
Your plumbing system if not well set up can become a risk zone from water leakages that eventually cause damage to your personal property. Such a situation may take several days for you to discover. If you have an acquired home insurance coverage then it may be easier to manage the water damage on your property.
A home cover will consider damages resulting from a sudden, unforeseen problem such as a frozen pipe leads, your home insurance covers repairs both the broken pipe and your home and furnishings. Addressing a faulty plumbing system in time will save you from the adverse water damage effects on your facility. Unless you are a professional plumber, do not do it by yourself as you might make the situation worse or create another maintenance problem.
Common areas prone to the effects of poor plumping function include the sinks, bathrooms, and toilets. Watch out for any possible wetness in those areas as it could be a sign that something is wrong with your water connection.
Malfunctioning sewer back ups can be the worst nightmare for any homeowner. This is a problem that should be handled immediately once noticed without any delays. Sewer backups not only cause flooding in the home but also have health implications and are catastrophic. If you notice sewage flowing back to your home bathroom, treat it as an emergency and seek immediate help.
Such a scenario poses a high risk to the well-being of the home occupants. Sewage contains diseases causing bacteria, therefore, putting your entire family at risk. Contract professionals from the Pacific NW restoration company for such cases to protect your family from falling sick. Our company will work on identifying the level of contamination using the recommended tools and permanently repair the fault. Do not take chances with the health of your family members by procrastinating on finding a permanent solution for any sewage-related damage.
Malfunctioning or broken appliances
The reason why you cannot identify the source of consistent water spillage in your home could be a fault in your home appliances. Common home appliances that are possible causes of such a situation are washing machines, dishwashers and water heaters.
If they develop faults unnoticed with continuous usage you are likely to experience water leakages. When this happens, the rest of your properties and items are at a big risk of water damages. You will need to purchase replacement parts for your washing machine out of your own pocket because they were not maintained correctly, but the damage to your basement is covered.
Remember that some of your items could be made of materials such as wood which cannot stand water for long. To protect the rest of your property, engage the help of a water restoration company to inspect your home in case you suspect any unexplained water leak from the water pipes.
A professional water restoration company will get to assess all your items and vulnerable areas in your home and make a recommendation for solutions. Home insurance companies will be willing to cover your valuables against faulty appliance damage as long as it’s not out of pure negligence. Consult a home insurance cover company near you to be aware of what water damages are covered before deciding to take a policy.
Owning and operating a business in Oregon is a full-time endeavor, and it is important that business owners keep all aspects of their business in tip-top condition. This most certainly applies to the commercial property on which your company is located. It is an unfortunate occurrence, though, that unexpected emergencies happen, such as a burst pipe, leaks from old water heaters or a part of the HVAC system, frozen pipes from freezing temperatures, drain backup, roof leaks, or even a torrential storm causing floods. When disaster strikes and your commercial building incurs water damage, getting the issue taken care of as soon as possible by an experienced water damage specialist will save you time and money in the long run.
At Pacific NW Restoration, we understand how valuable your time is as a business owner. We want to help you eliminate the water or flooding issue quickly and efficiently to begin the restoration process. Water contamination of your products or equipment and mold growth in your building can be costly, so our team will respond immediately and assist you with all aspects of the cleanup and restoration after a flooding incident, including the claims process with your insurance company. We have also put together some useful water damage facts to help you find yourself with flooding or any other type of unexpected water issue in your commercial building.
Water and Flood Damage Facts
When a pipe burst or water leak in a commercial facility creates a flood zone because it erupts into a major leak, the results can be devastating to the business. The safety procedures and protocols designed to dry any remaining moisture out of drywall, flooring, and other porous materials once the excess water has been removed take the skills and equipment of a professional commercial water damage restoration company. Without the experts, you may end up with structural damage. Here are some facts to consider and tips to follow to ensure your commercial buildings remain free from water damage:
It Is Better to Be Proactive Rather than Reactive
Preventative maintenance and inspections should not be pushed to the back burner. It is always better to take proactive steps before a roof leak starts, the sprinkler systems malfunction, or the cold weather wreaks havoc in your commercial buildings. Be sure to check the gutters, roof, plumbing, HVAC system, and drains for anything that appears to be in less than optimal condition. Professionals can also be contacted to inspect for water damage or malfunctions.
Invest in Flood Insurance
Insurance companies are very particular about the types of incidents they will be willing to accept water damage claims for, and floods are generally not covered in standard business insurance policies. To ensure your commercial water damage will be covered by your insurance company, get additional coverage in your policy for flash floods, especially if you live in an area prone to flooding.
Roof Leaks Often Cause Serious Water Damage
Leaks in the roof, even small ones, are very often the cause of serious commercial water damage. Even though your roof may be in great condition, small leaks can still happen if the weather becomes severe with strong winds, freezing temperatures, and/or hail. Therefore, check your roof regularly to prevent significant damage later on.
Get Minor Issues Fixed
Minor issues can quickly turn into major problems if it is not expertly repaired as soon as possible. From the washing machine to burst pipes and everything in between, plumbing problems can certainly lead to you finding water damage that could have been prevented easily with maintenance and professional repairs.
Not All Water Contamination Is the same
There are three categories or types of water contamination: white water, gray water, and black water. When you find extensive water damage caused by one of these three types, the right safety protocols must be followed to properly clean up the excess standing water and disinfect the building.
Basic Cleaning Products Will Not Work
When you have experienced a water situation, basic cleaning products are not the right route during cleanup. Certain water damage types require specialized equipment or products, and various surfaces or building materials may not be salvageable (like insulation or ceiling tiles), regardless of the cleaning products. Therefore, it is best to hire professionals to manage your water damage services.
Salvage What You Can
With the help of a water damage professional, inspect all the soft and hard surfaces in your business to determine what is salvageable after water leaks, floods, or pipe bursts. Our team at Pacific NW Restoration understands that your products and equipment are important to the success of your company. Still, you need to be aware that extensive damage and humid conditions following a water incident may prevent certain items from being kept.
Beware of Mold Growth
Mold can be a very powerful and sneaky consequence of any water damage, so when you find water damage, likely, you will also find mold even when the water is gone. Moisture remaining in the porous materials in your building is one of the most common causes of mold, and certain types can be very hazardous to your health, the health of your employees and customers, as well as the structural integrity of your building.
Contact a Specialist to Prevent Mold Growth
There is excessive water, which is very likely to mold long after the water extraction process. Mold can have dire effects on your business, so it is important to call the experts for mold remediation. Alongside a mold prevention specialist, inspect your property for signs of spores or musty smells that indicate the presence of mold in different materials in your building. This professional will be able to assess the situation and help you get rid of the mold.
Just Because the Water Is Gone, You're Not Out of the Woods
In emergencies that involve excessive water in your business, getting rid of the water is only the first step on the road to recovery. There is much more to do, especially if you wish to salvage items that have been affected by the water or continue to work out of the building. Cleanup and restoration after gallons of water have flooded your business need to be conducted by trained professionals.
Every Minute Counts
Because your business matters a great deal to you, you must contact cleanup professionals when you discover water damage in your building. Even the smallest amount of water from a minor leak can escalate quickly. When it comes to water and the damage it can cause, every minute truly counts.
Do Your Research
Whether you are deciding on a company to use for maintenance and preventative work or need a restoration company now, it is worth the time it takes to do some research. Find out exactly what needs to be done and read reviews of the companies you are considering. On a frequent basis, individuals are swindled by companies claiming to have experience and skills but do not come through in the end.
Contact Our Water Restoration Experts
If you are a business owner in Oregon who has discovered water damage in your building, contact Pacific NW Restoration. We are an independent business licensed to provide the highest quality, professional water and mold damage services to residents and businesses in Oregon. Contact us today to learn more about our services or if you need assistance in an emergency. We are available 24/7. Call to get the help you need!
Beaverton is full of good hotels and lodgings. Located in different places in the city, they all have a unique thing that they present to us. It may be challenging to pick the right place to stay. Below are some of the best places to stay in Beaverton. Learn more here.
Comfort Inn & Suites Beaverton-Portland WestThis is a pleasant and serene environment to set up camp while in Beaverton. This hotel finds itself among shops and eateries in the commercial district. It is about 6 miles away from the Oregon zoo. It can be considered to be in the best location among hotels in Beaverton. The suites have free Wi-Fi, free parking, and free breakfast. It is handicap accessible and well-conditioned.
TownePlace Suites by Marriott PortlandThis is a top-rated spot in Beaverton. The hotel is in a perfect location, close to many of the locales such as the Oregon Zoo, Portland Golf Club, and the Nike World headquarters. The hotel is pristine and clean. It ensures you start your day with world-class breakfast. The suites are spacious with fully equipped kitchens, with complimentary Wi-Fi and flat-screen TVs.
These are among the best places one can choose to be accommodated in Beaverton.