Does homeowner's insurance cover water damage?

Most homeowner's policies cover most water damages, but not all water damages are created equal. There can be a lot of exceptions to coverage depending on the intricacies of your policy. This is why it's a good idea to be familiar with your policy and call your agent right away when damage occurs.

How can I prevent water damage?

A good portion of water damage can be prevented by proper household maintenance. Routine plumbing maintenance, as well as sump pump and appliance maintenance, are effective ways to avoid preventable damages. If you live in a cold climate, preparing your home for the winter can also help avoid damage. Finally, it's a good idea to regularly check the exterior of your home, particularly your roof, for damage to ensure water isn't unexpectedly leaking into your home.

How do I know for sure what caused the water damage to my property?

Identifying the source of the water damage is one of the first steps in both the insurance claim process and before beginning to dry out and repair the damaged areas. After all, if you replace a sagging, wet ceiling that was caused by a roof leak but don't fix the roof, too, the next rainstorm will start the cycle all over again. The buckling to your hardwood floor could be caused by a leaking pipe. We will pinpoint the exact cause of your water damage and make sure the source is repaired. We make sure your restoration job is done right the first time.

How long will it take to dry out my property?

That depends on the types of materials that were affected by water. Drywall, carpet, and hardwood floors will take longer to dry than other materials in the space. We use moisture meters throughout the process and in many different locations to gauge the moisture levels and will continue to adjust our fans and dehumidifiers to achieve an efficient but effective dry time. The bare minimum of "three days to dry" may only produce a surface dry, but can still leave behind moisture levels that create an ideal environment for mold to grow.

Is water damage covered by my insurance policy?

Water damage insurance claims depend on a few different criteria. Ultimately, that's a question you'll have to clarify with your insurance company. However, we can tell you that the viability of water damage insurance claims depends primarily on what caused the damage (storm, burst pipe, plumbing malfunction, localized flood, sump pump failure, etc. ). Some insurance policies will outline scenarios that will NOT be covered without specific riders like flood insurance, or sump pump failure insurance. Contacting a restoration contractor as well as your insurance adjuster at the same time is a good idea because the restoration contractor will help make sure that not only will the water extraction and dry out be covered but the rebuild process that should follow. If the full scope of the claim isn't outlined and agreed upon from the start, there may be issues down the line, and property owners may find themselves having to pay out of pocket to get the property completely back to normal.

Should I start mopping up the water myself?

Most homeowners start trying to remove the water themselves before they realize they'll need to contact their insurance company about a claim so they can call in a water damage restoration company. However, standing water around anything with a power cord or outlet or sagging ceilings makes the area unsafe. Also, many insurance claims require documentation of the loss BEFORE any work is done, including removing the water. Always take plenty of photos of the damage you see before taking any action to start cleaning up the mess. Your restoration contractor will be able to back up your insurance claim scope with the necessary technical documentation as well.

What happens to all of my wet belongings?

If the water damage involves Category 1 water (clean and free of microbes and bacteria), many of your personal belongings can be salvaged. Category 2 water would include other water sources, including rainwater, that, while not containing biohazards or sewage, still pose health risks and the potential for destructive microbial growth and mold. A water damage restoration technician will help you sort through the contents of the property to determine what can be safely dried, what can be restored by a textile/contents technician, and what can't be saved or salvaged. There are off-site facilities in the area that specialize in restoring water-damaged contents. Your restoration team will document all of the contents leaving the property for restoration or disposal for your records and also for reimbursement from your insurance company.

Hydrophobic vs. Traditional Materials: Which Is Best for Water Damage Prevention?

Posted by: RestoreMore Inc. on December 15, 2024

In a world where nature can wreak havoc on our homes and lives, understanding the materials we use for water damage prevention becomes essential. Water damage restoration companies such as RestoreMore play an important role in helping homeowners recover from the effects of water-related disasters.

In this guide, RestoreMore explores the differences between hydrophobic and traditional materials, with a focus on their effectiveness in preventing water damage.

Traditional Materials: A Brief Overview

Traditional materials like wood and drywall have been commonly used in construction for generations. They are generally more affordable and easy to work with; however, they also possess significant vulnerabilities to water.

Characteristics of Traditional Materials

Porosity: Traditional materials tend to absorb moisture, making them prone to warping, mold growth, and structural integrity loss.
Decomposition: Many traditional materials do not have a natural resistance to decay. Prolonged exposure to moisture can lead to deterioration, which can compromise the safety of your home.
Time-Consuming Repairs: Once water damage occurs, repairing or replacing traditional materials can be time-consuming and costly.

Hydrophobic Materials: A Modern Solution

Hydrophobic materials are a revolutionary approach to constructing water-resistant environments. These materials are designed to repel water instead of absorbing it, providing an effective preventive layer against water intrusion.

Characteristics of Hydrophobic Materials

Water Repellency: As their name suggests, hydrophobic materials do not allow water to penetrate. This can drastically reduce the likelihood of mold growth and structural damage.
Durability: Many hydrophobic materials use special coatings or structural components that enhance longevity and resilience against harsh environmental conditions.
Eco-Friendliness: Some hydrophobic solutions are crafted from sustainable resources, making them an environmentally conscious choice for homeowners.

Comparing Hydrophobic and Traditional Materials for Water Damage Prevention

To help homeowners understand which material is best suited for their needs, here's a detailed comparison of hydrophobic and traditional materials in terms of various factors:

Effectiveness Against Water Damage:

Hydrophobic materials excel in this category, as they effectively keep water at bay. In contrast, traditional materials can absorb moisture, leading to potential damage.

Cost Considerations:

While traditional materials may be budget-friendly initially, the costs associated with repairs and potential mold remediation can add up. Hydrophobic materials, although pricier upfront, can save homeowners significant costs in the long run due to their durability and reduced repair needs.

Longevity:

Hydrophobic materials typically outlast traditional materials because they do not degrade due to water exposure. Homeowners can rest assured knowing that their investment will protect their property for years.

Installation and Maintenance:

Traditional materials are often straightforward to install and maintain. However, this advantage comes with the risk of needing frequent repairs. Hydrophobic materials may require specialized installation but require less ongoing maintenance.

Environmental Impact:

Many modern hydrophobic materials are environmentally friendly; a critical consideration for eco-conscious homeowners. Traditional materials, while also recyclable in some cases, can significantly contribute to waste if they require replacement due to water damage.

Conclusion: Making the Right Choice

When choosing between hydrophobic and traditional materials for water damage prevention, it's important to consider both short-term costs and long-term benefits. While traditional materials may seem more affordable upfront, hydrophobic options provide superior protection and greater durability, which can help you avoid costly repairs down the line.

In a world where water damage can escalate quickly, investing in high-quality materials is key to protecting your home. For expert guidance and the best solutions, reach out to RestoreMore–your trusted partner in water, fire, and mold restoration.