Home Insurance May Cover Cutler Bay Water Damage

6/21/2022 (Permalink)

No matter how your home or business is impacted by water damage, you can call on our technicians in Cutler Bay day or night for help.

Insurance Can Cover Water Damage Incidents and SERVPRO Restoration in Cutler Bay

Homeowners suffering from sudden water damage incidents like burst pipes and appliance failures may be relieved to know that their insurance more than likely covers these incidents. However, the logistics of cleaning and making necessary repairs can feel overwhelming. Fortunately, Cutler Bay restoration companies can perform these tasks in property owners' stead per their insurance policy.

Cutler Bay SERVPRO water damage mitigation professionals provide around-the-clock cleanup and restoration with EPA-registered antimicrobial solutions, industrial-grade extractors, powerful drying equipment, and effective odor control tools. SERVPRO also performs build-back services wherever necessary to return an affected property to a pre-damage condition free of excess moisture and odors.

Types of Water Damage Situations Covered by Home Insurance Policies

Homeowners must understand what is covered under their policy to get the most out of it when disaster strikes. While coverage terms vary per policy, home insurance typically provides compensation for the following types of water damage:

• Water saturation from fire suppression
• Accidental overflow of fixtures like toilets, bathtubs, and washers
• Vandalism that could cause water damage
• Plumbing leaks, pipe bursts, frozen pipes, and structural defects

Some weather-related water damage may be covered, though compensation may only apply to the home's interior. Some policies may also cover mold growth that results from covered water damage situations. Homeowners are encouraged to talk to insurers about the terms of their policies before damage occurs. Floods, meanwhile, require a different kind of insurance, typically via a policy provided by the National Flood Insurance Program (NFIP).

When disaster strikes, home occupants benefit the most from contacting their insurer as quickly as possible and documenting damage if it is safe. After that, homeowners can consult with a restoration team.

SERVPRO's Water Mitigation Process Can Maximize Savings and Minimize Costs

Local SERVPRO restoration technicians can inspect, clean, and rebuild properties affected by water damage to render as comprehensive a service as possible. This procedure is often accomplished without requiring homeowners to leave their homes or contents being moved off-site for restoration.

SERVPRO water mitigation typically includes the following procedures:

• Inspect damaged surfaces with moisture sensors and meters. Based on temperature changes, sophisticated thermal imaging cameras can check moisture behind walls, ceilings, and floors.
• Extraction with portable and truck-mounted extractors. These units, which feature heating, pump, and vacuum systems, can remove wastewater from flooring with specialized attachments and sanitation solutions. Extraction also prepares drywall, upholstery, drapes, and subfloors for drying.
• Structure and contents drying are implemented with centrifugal or axial air movers and low-grain refrigerant or desiccant dehumidifiers. These systems coordinate to pull excess moisture out of surfaces and into the air, pass it over low-grain refrigerant coils or desiccant materials, and isolate condensation into collection trays for disposal in a treated sewer
• Deodorizing with ultra-low volume foggers can dispense water or solvent-based deodorizers as a fine mist that chemically bonds with and eliminates odor-causing particles. Sanitation with OSHA-approved biocides also aids the odor control process.

After performing mitigation, SERVPRO technicians and contractors can complete the necessary structural restoration tasks. These can include reinstalling insulation, refinishing or repairing flooring, mending drywall, and repainting walls. SERVPRO can also provide more specialized care, such as electronics cleanup and document drying, as needed.

Property owners can call SERVPRO of Cutler Bay at (305) 278-8484 for cleanup that returns homes to a state that feels "Like it never even happened."