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Have you ever experienced water damage? It can have a negative effect on your house, but also on your wallet. If pipe bursts, a flood occurs, it will hard to spot the mess, and thousand question will cross your mind. What should I do? How should I start? Who should I call? Water damage is extremely stressful, and you need to be prepared for this. Here is what you need to know.
There are different insurance policies
You may think that water is water and that flood, and burst pipe are the two same things, but if you have homeowner insurance, the damage won’t be covered. If you live in an area which is often affected by a flood, then you surely know about separate insurance policy through the National Flood Insurance Policy. When you report the flood, make sure to specify whether you have a water damage or flood damage so that they can be prepared in advance.
Not all flood is covered with insurance
It is a good idea that you look at your flood insurance policy and get familiar with it. For example, many policies cover sudden damage, such as floor from a bad storm or washing machine overflow. On the other hand, if a flood occurs due to a bad maintenance, which is usually your fault, the insurance company won’t cover it.
Once water damage occurs, the time is running out
When your house had been damaged due to a flood, you don’t have much time, before you start with the cleaning. The longer you wait, the greater the damage will be. If you want to prevent the mold from appearing, you need to start restoring your home right away. Many scientists have confirmed how mold can be dangerous to human health.
Notify insurance company right away
It is a very good idea to call you insurance company immediately. In this case, your insurance agent can start with a claim right away. He can help you and guide you through the steps on how to recover your property from damage.
The pollution level is important
The level of pollution has three categories, and it is very important. Category one comes from a fresh source, for example for a washing machine, this type of water isn’t toxic, and it won’t cause any illnesses. Category two is full of bacteria, and it may contain illnesses, and category three is highly contaminated.
Water damage restoration can be very expensive if you don’t have proper insurance. In some occasions, when it’s your fault, the insurance company won’t cover your costs. But, here is what you can expect when this type of accident happens. First of all, the costs will depend on several factors. It includes the size of the object, the extent of damage, materials and water type. These are the three most important categories. Category one is the cheapest one and includes cleaning the pipes and faucet. Category 2 includes overflow from washing and dishwasher, and Category three includes cleaning toxic debris and sewage.
Small area restoration
If you want to fix small areas, such as ceiling and roof leaks, you will have to pay between $100 and $300, or you can do it for $50. It only includes the materials. The bigger the damage is, the more expensive the repair will be.
When it comes to basement restoration, these costs can be high. If you already have problems with a flooded basement, you should be prepared to pay between $500 and $10,000. Sometimes, even more, depending on the size of your basement and the level of the water. Basement restoration can be expensive, especially if you have some appliances flooded inside. It will increase your costs as well. In our estimate for about $5,000.
Burst pipe damage
It can be extremely serious because your whole house could be affected. These costs will even top the previous ones; you expect to pay between $5,000 and $70,000. We are aware that this sum may seem shocking, but a lot of things will be damaged in this process. Such as walls, paint, furniture and so on. You will have to pay for the water to be extracted from the house; the same situation will happen with the humidity because you have to prevent mold from appearing. For example, for 1-4 inches of water, the estimated amount is $7.800, for 9-12 inches the amount is larger, $18.930 and for 18 inches, you will have to pay $26.285.
Insurance can help
In most cases, water damage is covered by insurance. If your flood is caused by a natural disaster, the insurance should be able to cover it. In this cases, the outside water breaks inside of a house, carrying mud and infected water. The basic homeowner insurance isn’t going to cover this damage but may cover smaller damage, such as broken water pipe or others. For an insurance company to even reconsider your case, you need to maintain your system regularly and properly. Find a good insurance company that will offer you best conditions and fair price. But in the same time a fair deal.
Water damage can a create serious problem to many homes, but there are things you can do prevent this. It is a way cheaper that paying later for the damage water created. Water damage is the number one problem, why houses fall apart. It can weaken a foundation, the most important part that keeps your house together. Apart from this, it can damage your walls and cause unwanted diseases. Bellow check out our top three tips to protect your home from water damage.
Have a good Drainage
Why is drainage important? It can weaken your foundation, cause wall cracks, uneven settings and finds its way to enter your house. What can you do to prevent this? You should clean your gutters regularly. A clogged gutter will send the waters over them, soaking the outer part of your house. Make sure to clean downspouts as well, in this way you will ensure secure water flow.
Be aware of trees and vegetation
For people who love trees and beautifully arranged yard with vegetation, should pay attention to them. They can cause you a lot of damage if you don’t maintain them regularly. Their roots can wrap around the pipes and break them. This is one of the reasons why you should keep vegetation out of utility pipes. Remove trees and shrubs that represent a danger.
Know about water main
If you know the location of the water main, you will be able to avoid any major damages. It allows you the possibility to react fast if your pipes break. If there is no water running through the house, the broken pipes won’t be able to ruin the interior of your home.
Check appliances and leaks
To be more secure you should check your home appliances every now and them. Make sure to follow the manufacturer instructions. Considering water leaks, if you choose to ignore even smaller problems, it can create unnecessary repairs. Such as mold, mildew or dry rot. You should have in mind that insurance only covers the sudden and accidental damage. If you have failed to check your pipes and leaks, be prepared to pay a lot of money to rectify the damage.
Install water detection devices
It is a small electronic device similar to a sound alarm. When it comes in contact with moisture, it releases a sound effect. The great advantage of water detection device is that it can sense even low levels of water of slow leaks that can go undetected. You should install it near water sources, washing or dishwashers.
Check the water pressure
If the water pressure is too high, it can cause pipes’ damage. To avoid any problems, you should buy a pressure gauge and check the pressure often. The gauge will read the pressure and give you the exact state of your pipes.