Tips on Timely Storm Damage Remediation
A storm hits Providence, RI, and your house is affected. If you have flood insurance, your first instinct is probably to call your insurance company, and that instinct isn't wrong. The sooner you call, the sooner you can be compensated for your flood damage. It may not be in your best interest to wait to start repairs until the adjuster has made his or her visit, however. Timely storm damage remediation is key to preventing bigger problems.
Avoiding Extra Damage
The second call you make after your insurance company should be to flood remediation specialists. They can assess your damage and get the repairs started so that the problems don't get worse. Many problems continue to escalate even after floodwaters stop rising:
• Standing water soaking further into walls and floors
• Damage spreading to previously unaffected areas
• Mold growing anywhere there is a surface with excess moisture
The longer you wait to start repairs, the worse the damage can get. Neither you nor your flood insurance provider wants to pay more for repairs than necessary, so it's in both your best interests to call restoration services quickly.
Avoiding Out-of-Pocket Expenses
Mold damage can start to set in within one or two days if a moisture problem is left alone. If your insurance adjuster believes that you allowed a problem to grow, he or she could chalk it up to neglect, and the company might be unwilling to cover the cost of the mold remediation on top of the flood damage restoration. In order to get rid of the mold, you would then have to pay the cost of remediation yourself. This unnecessary expense can be easily avoided if you call repair personnel in a timely manner.
Your flood insurance adjuster is going to want a clear picture of the damage caused by the flood, not by damage caused by delayed repair. Take pictures and have your remediation company print out a detailed assessment and invoice to back up your claim, but don't wait for the payout to get repairs done. Save yourself the extra damage.
For more on Providence click here.