There are several types of water damage. Homeowners insurance and flood insurance are the two most common types of insurance coverage. To understand what each type of damage entails, it is important to review your policy. The least severe type of water damage is category one, and this is considered clean and poses no health risk. This type of water damage typically occurs when appliances or supply lines break. There are many different ways that water damage can occur and how much it costs to repair.
Homeowners insurance covers water damage
A homeowner’s insurance policy may cover water damage if the water source was an unexpected event. In some cases, however, homeowners insurance does not cover water damage due to improper maintenance, ordinary wear and tear, or flooding. This is because the insurance company looks at the circumstances surrounding the damage to determine whether or not it’s covered. However, it’s not impossible to get your home repaired after water damage. Homeowner’s insurance may be worth considering in these situations.
Before filing a claim, contact your insurer. It will want to know how much water damage there is, as well as what other expenses you will incur while your home is being repaired. If you’ve made temporary repairs, take pictures and keep receipts so you can show the insurance adjuster what you’ve done. Alternatively, hire a contractor to evaluate the damage and make an estimate of the cost of repairing it.
Preventative measures to prevent water damage
Fire and smoke detectors are essential parts of home safety, and many homeowners invest in these to avoid potential hazards. But fire and smoke are not the only risks of water damage. The effects of water damage can be disastrous to your home, ranging from serious structural problems to health problems. Typically, the effects of water damage are most severe when water penetrates the foundation of the house and weakens the materials holding it up. When water damage occurs inside the home, homeowners often don’t realize the full extent of the damage until it’s too late.
Even small leaks can cause major water damage. The best way to limit the damage done by water is to fix these leaks before they start. A slow leak can rot drywall and create black mold if left untreated. Even a slow leak can eventually erode the soil around the foundation and leak inside the home. To prevent this, make sure to install downspouts. While this may seem like an easy fix, it’s one of the most effective ways to prevent water damage in the first place.
Types of water damage
There are three main categories of water damage. The first is Category 1, which refers to water that is sanitary and does not contain pathogenic organisms. The second category, referred to as Category 2, is comprised of water from a broken washing machine or dishwasher. These types of water are potentially harmful to humans if ingested. It is therefore essential to remove and disinfect any damaged items as soon as possible. These water types may be highly contaminated with harmful chemicals and bacteria.
The third and final category is black water, which is a result of a sewer backup. This is the most severe type of water damage and has the highest health risk. Cleanup for this category requires the use of high-quality equipment and extended drying times. In addition, the risk of mold growth is highest. Therefore, if you experience this type of water damage, it is imperative to hire a professional. Thankfully, many types of water mitigation companies are equipped to handle such situations.
Cost of water damage restoration
There are three basic types of water damage: clean, gray, and black. Licensed restoration professionals are familiar with these terms and can determine which is most harmful to your property. If the water is clean, it should not pose any health risks, but it can degrade to become contaminated, which is the reason it is the most expensive type of water damage restoration. Below are some guidelines on estimating the cost of water damage restoration and what to expect from a professional restoration company.
The first step in estimating the cost of water damage restoration is determining the size of the flood. The larger the flood, the more expensive it will be. If the water levels are above ground level, it will take longer to remove the water. If the water level is above the floor, it will require special equipment and time to remove the water. To get an idea of the cost of water damage restoration, use the Cost of Flooding Tool Simulator. This tool can provide an estimate of the total costs of water damage restoration in your area.
If you need a Free Estimate on Water Damage Restoration or Repair in Phoenix, or the surrounding areas contact our team at Lotus Restoration Services.