Everyone wants their home to stay in tip top shape. Living in a well-maintained home is comfortable and also creates a better experience for visitors. Doing your part to clean and maintain any minor fixes in the house, like a light bulb change or a faulty smoke detector battery, just takes a short time out of your day. Sometimes, there are events that you cannot control.
Every region comes with upsides and downsides. Sometimes a location has specific months that generally have bad weather to look out for; like Florida’s hurricane season. Year round, there also may be general weather conditions like warm humid air that can put your home at risk continuously. When things like this happen, it is always great to stay on top of the ball and get the work done that is needed. Though some projects are easier than others, there may come a time where home restoration comes into play. With bigger operations on your home, there can be hefty costs (depending on the damage) that you just can’t afford to pay out of pocket.
If this time comes, your insurance is the one who will cover these costs. This is the reason you pay for it in the first place! Insurance companies tend to cover many major disasters that your home may experience. Though people know this fact, there are also differences in companies and their policy options that can put you in a pickle.
Coverage and problems
Insurance companies always have a catch; this is no secret. In places that experience annual disasters or seasonal weather patterns, some insurance companies won’t cover for specific home conditions that are caused by mother nature. Though it is rare, it is always good to take a look at what your insurance provider covers and does not cover. Some examples that are a great focus point are exemptions because of common earthquakes, sinkholes, and even flooding.
Flooding: Coverage for damage caused by flooding can differ greatly across areas and companies. Many times, regular insurance policies do not cover flood damage. FEMA is what people usually go for when looking for flood insurance, though there are alternatives. One thing to look for in an insurance policy is the details about coverage for flooding; if it is even covered.
Water Damage: Water damage is a frequent monster in homes, especially in Florida. Humid air, on and off rain, and hurricanes are huge adversaries to a home’s water resistance. Since these natural occurrences happen without prevention, water damage can be inevitable. Working on water as soon as possible damage is extremely important. This is due to the fact that it spreads like wildfire. Water has no mercy; it seeps through the smallest cracks, disperses in the air, and destroys everything in its path if given enough time to. Not only will the integrity of the property be compromised, but the well-being of your belongings can be in jeopardy.
Fixing a water damage problem is necessary. Locating the origin and tackling the damages done need to be carried out in a timely fashion. Even catching problems early can put your bill over $15,000. This includes the detection of the cause (whether it be leaking pipes or other faulty building aspects), stopping the water from entering again, and restoring any sections of the home that were devastated.
Mold Growth: If not treated soon, water can lead to mold. It is well known that mold is never a good entity in the home. Mold can be more hazardous to some than others. It is never good to find out how it will affect you. Because this can pose serious health risks, it is pertinent to solve water damage issues before mold has a chance to grow. Mold also doesn’t have to come from a serious water damage problem. Since mold only needs a little water to thrive, regular humidity trapped in your walls can be just enough to start the growth cycle.
Mold travels fast too. Wherever moisture reaches, it can reside. Generally, mold can grow in a typical safe home just in the places that are commonly wet. Showers and sinks may exhibit mold growth and can be cleaned with store bought cleaners. More serious issues do need to be handled by professionals. Average cleaning can actually worsen the problem, spreading it around further and expel mold particles into the air.
Signs of mold can be easy to spot with routine checks. Spotting streaks of gray, black, and green can be a symptom of mold intrusion. Problems are usually worse than they look because mold is often trapped behind the walls before it shows up on the surface. Paying for mold removal out of pocket can be incredibly expensive. The insurance company will be your best friend in these situations.
Billing your insurance company
With all of these crazy expensive costs, it’s not likely you can do it all on your own. If you can, great! But if you can’t, the insurance company needs to cover you. It is always best to read your policy thoroughly before you buy it and when you run into problems. Take note of any minor details that may sway you from a purchase and weigh out your options.
When you have chosen a policy and need to make a claim, they will likely send out an adjuster to assess the damages. Once that is underway, they will contact the restoration company to sort out the details regarding their coverage and estimates. Restoration USA works with most major insurance companies directly to save you the headache of constant calls regarding this subject. You can’t resume your schedule when being the middleman, so we go through all the information with the insurance companies to get start the restoration process.
If you have any restoration needs, Restoration USA is glad to help. We have over 25 years in the business and we are highly qualified to help you in your time of need. For water damage, leak detection, mold remediation, and fire damage, Restoration USA can take care of it all. We work at your convenience and keep in mind your needs. Our team upholds the most respect for you and your property. Restoration USA strives to protect the structural integrity of your home and preserve the well-being of your belongings.
We use IICRC approved techniques and methods to bring your home back to its former glory. Our top tier equipment executes the mission as quickly and efficiently as possible. With advanced technology, we work as non-intrusively as possible to pinpoint problems in the blink of an eye.
Go with the pros!
Restoration USA has the means to fix your home. We know that disasters don’t wait up, so neither should you. Restoration USA offers 24-hour emergency service for when something goes bump in the night. We accept inquiries and perform free inspections to assess the problem and give you a ballpark number on the costs you (or the insurance company) may incur. To get started on your home restoration needs, contact us as soon as you can. Don’t let the issues ride on, they will only get worse as time goes by. Fill out the contact form on our website or give us a call at (866)-745-6428. You will be back in your comfort zone in no time.