5 Things You Need to Know About Water Damage

6/4/2018 (Permalink)

What do I do now?

What’s going to happen?

Is my stuff ruined?

And the most important question of all: Will my homeowner’s insurance cover the damage?

There’s no doubt about it. Water damage is extremely stressful, and the more you know about it, the better you’ll be able to decide how to address it. Here are five things that every homeowner needs to know about water damage.

1. There are different insurance policies for flood damage and water damage.

You might think that water is water, whether it’s from flooding or a burst pipe, but flood damage is not covered under homeowner’s insurance. When you report the claim to the insurance company, make sure to specify whether the claim is for water damage or for flood damage, so they can begin adjusting your claim correctly.

2. Not all water damage is covered by your insurance.

It is a good idea to look over your insurance policy and familiarize yourself with any exclusion to your water damage coverage. For instance, most policies cover sudden damage, like water damage from a really bad storm or from an overflowing washing machine. On the other hand, any water damage that happens because you didn’t maintain the property may be excluded, as well as gradual leaks that caused water damage over time.

3. Once water damage has happened, the clock is ticking before it gets worse.

When your property has been water damaged, you don’t have the luxury of waiting around for a convenient time to start the cleanup. Secondary damage from mold growth can present serious health risks associated with mold in the living environment.

Mold spores are everywhere, but they need moisture and a nutrient source to grow. And that is exactly what your wet carpet or drywall offers.

There is a 24 to 48 hour window from the time something gets wet until mold can begin to grow. After that time, mold will multiply rapidly. When mold growth is widespread, you may need the services of a professional mold remediation service to safely treat and remove the mold.

To prevent mold growth, you will need to get your property completely dry again within that 48-hour window. To do this, you’ll need to contact a company that specializes in water damage restoration and emergency water extraction such as SERVPRO of Southeast Portland. They will have the professional water removal equipment and drying equipment to get the job done as quickly as possible. 

4. Your insurance company needs to know right away.

It’s a good idea to call your insurance company right away when you discover water damage. Your insurance agent can start the claims process immediately, as well as guide you through the first steps you will need to take to protect your property from more damage, like stopping the source of the water at the main water turnoff.

Your insurance company may also direct you to a water damage restoration company that they have worked with in the past. Keep in mind that you do not have to call the company that they recommend. 

5. The pollution level of the water is important.

Water damage is categorized as one of three levels by how polluted the water source was that caused the damage.

Category 1: Water from a clean water source, like a fresh water line for a dishwasher. 

Category 2: Water that may have bacteria in it,

Category 3: Water that is highly contaminated. Think sewage backup, an overflowing toilet, or storm waters.

Even though water may start out as Category 1, that doesn’t mean it will stay that way. Any contamination that the water touches, such as dirty carpeting or soil from the ground, can change water damage Category to 2 or even Category 3. And since standing breeds bacteria, the longer the water is around, the worse the contamination of your property.

SERVPRO of Southeast Portland has all the tools and resources necessary to help with and water, mold or fire damage you may have. Give us a call! (503) 427-9535