Recent Water Damage Posts
How to Deal with a Huge Water Leak.
No homeowner wants to deal with a flood in their home, but having a plan of action in place will help take at least a little stress out of the situation.
If you ever experience a major water leak in your home, here are the steps to follow:
1.) Shut Off the Water Source
First and foremost, if you discover a major water leak in your home, you need to stop the flow of water. By doing this immediately, you may be able to prevent more damage from happening to your home. If you can easily identify the leak source and it has a shut off valve available, you may be able to simply turn off the water at that source.
2.) Contact Your Insurance Agent
After you have made sure no more water is getting in to the home, it’s time to call your insurance agent. There is a small chance you won’t want to file a claim for the damage, but that is highly unlikely. If your baseboards or walls have gotten wet, they need to be professionally dried out to prevent mold from growing in your walls, and that process can be thousands of dollars. You may want to describe what you are seeing to your agent and see if she recommends you start the claim process based on your deductible, but most times that answer is going to be a quick yes.
3.) Contact the Restoration Company
As soon as you get off the phone with your insurance agent, call the restoration company. If they are a good company, they should be able to get a team there within a couple hours to start removing water from the home. Mold can start growing very quickly.
4.) Document the Damage
When the restoration company arrives, they will likely show up with big trucks with lots of hoses and industrial vacuums to remove the water from the tile floors. If you have carpet, they will likely start tearing it out. They will probably start tearing off baseboards and door frames, and depending on how much saturation the water was able to do, they could start removing pieces of drywall and even cabinets.
Does your Homeowner insurance cover water damage?
Most homeowners insurance policies help cover water damage if the cause is sudden and accidental. Homeowners insurance may help pay for repairs if, for instance, your drywall is drenched after your water heater ruptures or an upstairs pipe bursts and water saturates the ceiling below.
Depending on what's damaged, two types of coverage within a homeowners insurance policy may apply.
Dwelling Coverage helps pay for damage to the structure of your home if it's damaged by a covered peril. So, if a pipe suddenly bursts and damages a wall, dwelling coverage may help pay for repairs.
Personal Property Coverage
Personal Property Coverage helps pay for damage to your belongings if they are damaged by a covered risk. So, if a burst pipe results in a drenched computer or bookcase, personal property coverage may help pay to repair or replace the damaged items.
Keep in mind that a deductible will likely apply before your coverage kicks in. Also, coverage limitsmay apply. Read your policy to brush up on how much coverage your polficy provides. Your agent can help you adjust your coverage to fit your needs or answer questions about your policy.
DOES HOMEOWNERS INSURANCE COVER WATER DAMAGE FROM LEAKING PLUMBING?
Homeowners insurance may help cover damage caused by leaking plumbing if the leak is sudden and accidental, such as if a washing machine supply hose suddenly breaks or a pipe bursts. However, homeowners insurance does not cover damage resulting from poor maintenance. So, if damage results after you fail to repair a leaky toilet, for example, homeowners insurance likely will not pay for repairs.
WHAT TYPES OF WATER DAMAGE ARE NOT COVERED?
Homeowners insurance does not cover certain types of water damage.
Damage from Unresolved Maintenance Issues
While your homeowners insurance will probably help cover the cost of replacing or repairing a damaged floor if your dishwasher suddenly goes on the fritz, coverage generally will not kick in if the damage results from an unresolved maintenance issue, such as continuous leaking near a faucet or other plumbing fixture.
Replacing or Repairing the Source of the Water Damage
Most homeowners insurance policies will not cover the source of the water damage. So, while your policy may cover the cost of tearing out and replacing that damaged floor, you shouldn't expect it to cover the cost of replacing your broken dishwasher or washing machine.
Water Backup from an Outside Sewer or Drain
You also will not typically be covered by a traditional homeowners policy if water backs into your home through an outside sewer or drain. You may, however, be able to purchase additional sewer or water backup coverage that may help cover damage from that type of event.
FloodNo type of flood damage, no matter the source of the water, is covered by standard homeowners policies. Flooding, for example, can occur from storms, over-saturated ground, overflowing or surging bodies of water such as rivers, ponds, lakes and oceans. You may be able to purchase a separate flood insurance policy through the National Flood Insurance Program.
While it's important to keep up with home maintenance to help prevent damage from water, it's also a good idea to check with your agent about what is and isn't covered by your homeowners policy. Be sure to ask if there are any additional coverages available that may be appropriate for your home.
SERVPRO is available Rain, or Shine 24/7 365
“I went on vacation and came home to an absolute nightmare. My hot water heater burst in the attic who knows when during my 2 weeks away. It was like stepping into one of the commercials you see on tv with your furniture floating by. You could not replace some of the items in my home. They were over a hundred years old. I had searched the world for some of those items. My heart was crushed. I sat in my car for a good twenty minutes just stunned at the amount of water that came gushing out the door when I opened it. I could not clean that up on a good day. I called my insurance agent and he told me that there were companies out there that could clean that up for me. My insurance agent referred me to SERVPRO of Upper Eastside, so I called the number at 12 am at night and hoped the person that returned my call was not angry that I woke them up. SERVPRO of Upper Eastside were able to come in the next day.”
Melinda B. - Yorkville, NY
SERVPRO of Upper Eastside prides themselves in not only being the best, but being able to bring exceptional service during a time of crisis.
Water damage to your contents
This is a picture of a customer's house and the water damage that happened to their contents. Luckily, we were able to help them in time!
If you have a water damage in your home or business, it can be devastating. Whether it’s because a pipe broke, a leak in your roof, or maybe the toilet overflowed.. these things happen! And although what makes up any building is floors and walls, you contents are the most sentimental items that can be effected by the water.
I recently had a pipe burst in my apartment bedroom, in my closet. Destroyed a ton of my clothing and I had to bring anything I could to the dry cleaner to try and save the items. But I was a mess, completely devastated. There were items in there that I will never be able to replace.
That feeling is one you hope you never have to experience, but if you do have a water damage that comes in contact with your contents, give us a call. We will be right there to try and save every item that we can.
We know what it’s like to have cherished family heirlooms and memories. We will do all we can to make it "Like it never even happened”. Just make sure you take control of the situation asap, as you don’t want mold to form on your items.