A lot of times, home insurance doesn’t cover all water damage. They have what’s called a “Water Damage Clause.” For insurance purposes, water damage is defined specifically as damage caused by water that affects your house before it touches the ground. So, a water damage clause states that the insured is covered for water damage that occurs for specific reasons, such as frozen pipes or sewer backup. This is different than flood damage. Flood is defined as an overflowing of water onto land that is normally dry. Generally speaking, if the water touched the ground before it entered your home or building, it is considered flood damage. Flood damage is NOT covered by your Commercial Property or Homeowners insurance policy. Because home insurance companies do not offer flood insurance, only property owners with flood insurance through the National Flood Insurance Program can file flood insurance claims. Not a lot of people know this and even if they do, they decide to risk it. How often do floods happen, anyway? (Knock on wood). Well, it’s definitely a risk for Missourians and other mid-western folk, where we can sometimes experience weather conditions from all four seasons in the course of one day!
The home insurance policies that do cover any water damage only cover the accidental damage from things such as your plumbing and air-conditioning type appliances. But, once you make a claim on one of those they may choose not to renew your insurance the next year. Water damage claims may be small, but the administrative costs aren’t. Water damage can lead to mold problems, which definitely costs a chunk of change. Even if you experience water damage that is covered by a home insurance policy, you will have to pay a deductible first and then perhaps just get reimbursed for whatever you spend on professionals. So, it’s still important for you to research and choose your restoration specialists in Missouri wisely.
Once water damage happens, it needs to be taken care of within 72 hours or you’re at risk for bigger problems such as mold. This leaves you with limited time to decide what course of action to take and how much money to spend. That’s why we offer a 24 hour emergency response team led by IICRC, WRT and ASD certified supervisors. The IICRC stands for Institute of Inspection Cleaning and Restoration, WRT stands for Water Removal Technician, and Applied Structural Drying. The Water Removal Technician an d Applied Structural Drying are obtained through intensive class courses from schools and instructors that apply to and meet the criteria set forth by the board of directors by the Institute of Inspection Cleaning and Restoration. Our students attend an IICRC-approved course, successfully complete a written examination and document skills in the specific subject to become certified.
This last qualification is important. Water Damage isn’t solved as easily as just removing water from the contained premises. Besides extracting water, the areas need to be dehumidified and dried properly. This often requires advanced structural drying methods and drying equipment. In recent years, drying technology (extraction, evaporation, dehumidification), along with better understanding of psychrometry, has advanced in major ways so that in-place drying has become far more safe and practical. Psychrometry is the study of the properties of mixtures of air and water vapour. Atmospheric air is a mixture of many gases plus water vapour and a number of pollutants.
If you attempt to remedy water damage yourself, keep in mind that if left standing, water causes hardwood floors and carpets to mold, and vinyl to loosen. If the water evaporates on its own, it may absorb into the ceiling tiles and other items, causing secondary damage and increasing cleanup costs in the long run. Therefore, the correct water removal and drying process is essential and it’s in your best interest to hire a professional. Professionals like us go a step further in our services by offering cleaning – we clean carpets, rugs, upholstery, hard-surface floors and sewage contamination cleanup.
At the end of the process, especially using United Services Disaster Restoration Specialists, your house or building will be clean and restored
Here is a summary of our Specific Services:
• 24/7 Rapid Response
• Initial Assessment and Recommendations
• Selective Demolition
• Water Extraction and Dehumidification
• Complete Structural Drying
• Content and Document Drying
• Carpet, Rug, and Upholstery Cleaning
• Sewage Contamination Cleanup
• Hard-Surface Floor Cleaning
Your friends and neighbors will wonder, “What water damage?”
If you’ve experienced water damage, we offer Water Damage Restoration services in Southeast Missouri, Central Missouri, and the St Louis Area. Contact us for more information.