The Right Way to Claim Insurance on Water Damage

Water damage is always a challenging problem as it strikes unexpectedly. Many things wander through your mind when water damage occurs and your biggest concern is how the damage will be covered under insurance.

Claiming insurance on water damage can be a complicated process and there are a number of factors that can affect your insurance claim. You must be careful in dealing with the damage as if you do something wrong, the insurance agency might deny coverage. Let’s look at some factors that can make your claim successful and stress-free.

1.     Know what Your Insurance Policy Covers

It is important to be aware of what is covered under your homeowner insurance. Flood is not covered under the insurance policy, so when you’re making a claim never mention any thing such as “flooded”, “flooding issue”. Protect yourself and never describe the water damage as a consequence of flood.

2.      Be Careful with Cleaning

There should be clear evidence that the water damage was sudden or accidental like a heavy storm, sewerage backup, etc., as the insurance provides coverage for such damage.

Repairs must be made and water must be dried quickly after water damage, but if you remove the source of damage, you’ll wipe out the evidence and the adjuster will not take your word for it. So, before you begin the repairs or move something, be sure to document evidence, which leads us to the next advice.

3.     Record Evidence of Damage

Evidence of the damage will always be required to get your insurance claim approved, so document all the damage. Take lots of photos before you begin the repairs and also after the damage has been repaired. This will make your case strong as you’ll be able to show how much damage you have suffered and how much should be paid by the insurance to cover the damage.

Also, do not throw away the damaged items and keep a record of all the items in a detailed inventory to show to the adjuster the extent of the damage.

4.     Note any involvement by others

Water damage can be caused from negligence of another person. For example, your neighbors upstairs had a burst pipe which resulted in damaging your home. Document the incident and all the vital information. Take their name, contact number and information about their insurance coverage and policy, etc.

If the water damage was caused by others, then their insurance will be responsible to provide coverage and you can save your insurance for another time.

5.     Filing Claim

The claim process should move quickly and within 15 minutes of your claim, the insurance provider should send an adjuster to inspect the damage. If they do not send the adjuster right away, contact them again to ensure that adjuster arrives on time.

If you have done everything right, the insurance company will accept your claim and the damage will be covered.

Sometimes, despite strong evidence that the damage was sudden and accidental, the insurance provider resists the claim and tries to deny it. It is therefore best to contact a restoration service that not only can restore your home after damage but also help you with your insurance claim. For this, contact Superior Restoration as we’ll handle your insurance claims so you don’t have to worry about it.



The reason why you should hire a professional restoration company? Mold!

After your home business has suffered water damage one of the main areas for concern is the development of mold spores. These tiny particles, less than 4 microns in size, require specialized equipment adequately dispose of them. This is not properly dealt with molds can spread quickly throughout a home or business and cause discoloration, structural damage and adversely affect indoor air quality. In point of fact mold has been scientifically linked to several health problems including asthma exasperation, respiratory distress, memory loss, pulmonary hemorrhage and many more. This because at this and many other reasons it is highly recommended that you leave mold restoration to the professionals.

Endeavoring to clear away the mold yourself cannot I may expose you to harmful mold spores but also done incorrectly can spread the mold throughout your house. Here are some of the benefits of calling in a professional mold remediation company.

  • They will assess the dangers of existing mold
  • They will provide suggestions to fix the source of water intrusion to prevent further mold problems There will locate the source of mold growth they will seal off the affected area to avoid the spread of mold spores during thee remediation process
  • They will be certain to completely eliminate

They will try and disinfect the areas ands surfaces to make sure that the mold does not grow back

When dealing with water damage, mold remediation, or fire damage restoration it is always advised to call in professional help. If initially it looks like you’ll be saving money by doing the work yourself you may find later on that more work was required and you are now out of pocket.

When it comes to water damage in your home or business in must be dealt with quickly as water damage often leads to mold and mildew growth. The trouble with water damage is that often there are little or no signs that it is taking place. Sometimes though there are signs of water damage and when you see them you should deal with them as soon as possible. Here are some things to look out for.

One of the easiest signs water damage to observe asked Danes either on your ceiling walls or other places. If you notice a stain on a wall or ceiling, most often in the bathroom or kitchen, you may be dealing with water damage. The damage that you see may only be a small portion of the actual damage that is hidden and only water damage remediation company will be able to tell you the full extent of the damage.

Nor all signs of water damage and doors are visible. Sometimes it was reliant on your sense of smell to let you to determine the presence of water damage. The scent from mold and mildew may very well indicate the presence of water damage that is not apparent to the naked eye. This is often the case with water damage behind walls.

In some cases the only indication you have that water damage is taking place is the sound of water dripping somewhere in the house. If you’re able to locate the leak and you’ll get a fairly good idea of where the water damage is coming from. In any case your best chance of finding out what work needs to be done and how much it’s going to cost is to call a water damage restoration company and let them have a look.

The most common causes of burst water pipes in the home

Burst on in your home can be an absolute nightmare. Become extraordinarily difficult and complex deal with such water damage issues especially because they are instant and entirely unexpected. Inherent rumbling noise and possibly the sound of water in the background and upon the investigation you find that your house has started to become flooded. Even if you catch it verifies the damage can be catastrophic. Whether it’s old pipes or plight that have not been maintained properly you never know when it had happen but here are a few things to look out for that can save you this headache.

Water pressure

Even a very small item can put a lot of pressure on your houses water pipes if it is blocking them. When the pressure is awarded by the handle they start to expand and eventually they burst. If you don’t carry out routine maintenance this can be quite suddenly and terribly unexpected. By maintain even a yearly schedule of maintenance and repair you will be able to more easily anticipate any water damage issues and bursting pipes.

Frozen pipes

While not as common in California as in some other places it does happen from time to time that your pipes will freeze and then burst. Any points which are exposed and not built into the wall or some other structure are susceptible to this. The best way to try and prevent this used to installation pipes thereby not allowing outside of the pipe to freeze which will of course freeze the water inside.

Sprinkler systems

A well functioning sprinkler system is the best way of maintaining a green luscious lawn but if not properly shutdown during the winter months they can be a source of great vexation for homeowners. To winterize your plumbing is to set it up in such a way that it can survive extremely cold temperatures. Even in Californian during the winter temperatures can drop low enough to freeze. Even in cases where the pipes don’t freeze are poorly maintained sprinkler system can cause to a great deal of money if it breaks and starts leaking.

A usually starts as a leaked underground would you don’t see. Then you start to see water on top of the surface and lastly the water starts to seek into the foundation of your home. If the line leading from the sprinklers leads inside your home as well can cause severe water damage if left untreated. Because sprinkler lines are usually very well hidden they damage is not found until it becomes apparent and by then it can be very bad.

If you know that you’re not going to use your sprinkler system during the winter turn off the system until the spring. This will relieve pressure on the pipes giving you a much longer lifetime for those pipes. It will also make it much less likely for the pipes burst. Prevention is of course the key and if you know where all the lines leading to and from your house and to the sprinter system are then you will be more readily able to tell when a leak has occurred. In any case if a leak as happened to call a water damage restoration company and they will deal with it for you.

The Key Steps to Minimize flood Damage in your home

If you are a property owner living in an area that has seen severe flooding, it’s time to start planning for the inevitable and try to minimize the damage caused by the water. Keeping this in mind we recommend these three steps in preparation for any major flood.


Water and electricity do not mix. Be sure to shut off the breakers in the flooded areas to avoid electrical shocks. Move all electronic devices to higher ground.


Mold needs water to grow. Within 24 to 48 hours, mold will take hold and begin to replicate. With this in mind, it is essential that the clean up process begin immediately. Water must be removed and the drying process needs to occur. Please call us for professional drying equipment placement as soon as possible. In the meantime using a household fan can start the drying process.


Call your insurance adjustor immediately to get the claim process started. Dealing with a flooding disaster can be overwhelming, call a specialist that has experience!

Safety, Clean Up, and Insurance are the key action steps you must take if you experience flooding. Act quickly to mitigate further damage and the possibility of mold proliferation.

Another key problem that you may face is flooding caused by a sewer back up. To learn more about the causes, prevention, and steps required dealing with a sewer back up.

The basement is one of the areas most likely to sustain water damage in your home. As such taking precautions and what review is your best option for avoid costly repairs later. The best way to decide whether your basement needs work is to have a look at its weaknesses.

Have a look outside your home around the foundation surrounding the basement. If the ground with sloping downwards towards your basement and there is no run-off for the water to go down then pilots and dirt near their and build a rampart. Be sure that any gutters or downspouts are facing away from the basement and any plants should be a least a foot away from the wall so the roots do not head towards your basement and start eroding the walls.

On the inside of the basement you may want to paint it with waterproof paint. Be sure that the product they are using is waterproof instead of water seal. Any cracks in the concrete walls be filled in otherwise it will become a definite problem over time.

Take the walls of your basement of a show nothing feels soggy. Depending on the flooring of your basement if there is a feeling of lifting, if you have wooden floors for example, you may want to lift up the floorboards and see what’s going on underneath.

Any repairs the union feel comfortable doing should be handled by a policy water damage restoration company in the long run this will save you time and money but most of all it will save you peace of mind.

The importance of the immediately cleaning up spilled liquid is paramount

We’ve all had this experience, walking through the house you have a full Of coffee in your hand and suddenly you over a child’s toy that you were certain was somewhere else oven and legal and the liquid goes lying everywhere! Oftentimes we do not immediately clean up spills because something gets in the way or we consider that the spill is minor not to be bothered with that that can be a costly mistake. How can this be prevented?

Water damage in all its many varieties can be easily prevented but not so easily fixed. If the water has spilt out your bath that and you do not immediately dry the floor as much as possible some part of that liquid will seep in and could cause mould and mildew development. This can lead to not only expensive repairs also potential health issues. This can be doubly bad if you have hardwood floors as even a very small amount of water seeping into limp and cause them to warp and twist. Sometimes the hardwood floors can be repaired but often they need to be replaced.

One of the worst and most rapid causes of damage is a burst or otherwise broken pipe. If this happens inside your home you may have Greek deal of water flooding through your house that time stop in this case the first thing you should do is not going to investigate the pipe but rather to switch off the main supply of water to your house. After switching off the main supply you will be able to deal with the burst pipe.

When in doubt call in a water damage restoration company.

We have all been there. Someone is but something interesting on the television and you have food and drink in your hands. As you move towards the couch you trip over something and your coffee goes flying to spill all over the new carpet. Or the washing machine overflows and the carpet becomes soaked in foam and bubbles. What you do now?

The first thing you should do is eliminate the source of the water damage as much as possible. If it’s a drink then you should try and dry it up quickly before it soaks into the carpet. It is very likely though that anything other than water will permanently stain that carpet. If you have a wet vacuum you should use that to strength as much water from the carpet as possible. It is also a good idea to point a fan and the area of spill in order to try it out as much as can be.

Oftentimes the damage becomes so bad that the carpet needs to be replaced but this is not always the case. Even very great damage can be restored by trained professionals. You should seek out a water damage restoration company immediately after a major spill on the carpet or after flooding. These are trained professionals will deal with the situation immediately and let you know whether or not the carpet can be saved. If the damage is not dealt with immediately when it comes to convert it can lead to the development of mold and mildew and even to structural damage.

Rotten wood: is it a sign of serious water damage?

Often times with water damage it is so obvious that it cannot be ignored. A party will burst spectacularly and flood the house or a toilet will back up and make you run for cover but however it happens water damage is usually obvious. What happens when water damage is not obvious though? Water damage can manifest in many ways but one usual manifestation is rotten wood.

There are two types of rot when it comes to wood. There is dry rot, all the moisture is sucked out of the wood due to extreme heat and begins to fall apart. There is wet rot, the wood becomes so filled with moisture that it begins to crumble and decay. Of the two wet rot is the more usual. If the problem is caught in time the wood can usually be saved even if it has been severely soaked. Anyone in your home that has come into contact with water should be dried immediately before any water managers to seep deep inside the wood.

All wood should have a certain level of water in it in order that it does not fall apart but the amount of water should be regulated. If something spills in your home and it comes in contact with say wooden floors for example you should dry the floors immediately. Make sure that all the corners and edges of the wood are dry as well. Often this is best achieved by a combination of towels and fans. If Wood in your home has become thoroughly soaked you may need to call in a water damage restoration company. If the problem is not dealt with quickly would may become unsalvageable.

When it comes to water damage on the floor of your home the best thing you can do is act quickly. The more you delay repairs the more likely you will have more to deal with. Some storms of water damage can be dealt with relatively easily if detected early on but if left alone they can get progressively worse and more expensive. Here are some things you can look out for and do to minimize the effect of water damage on your home.

  • The detecting water damage. A loss caused by an apparent flood in all disaster water damage can be very difficult to detect. In a constant lookout for such signs as lifting floors, squishiness underfoot, lifting tiles and stains on floors and walls connecting to the floors,
  • flooring the first Firstly you should do is stop the flow of water from wherever it is coming from. If this is a bastard hype inside the house then shut off the water at the mains and don’t turn back on again until you fix the part. The next thing to do is to try off the floor as much as possible. If the damage is limited to the surface then this can be done with a mop and a fan but if the damage is lower down then further methods will be needed.

Wooden Floors. The err on the side of caution when it comes to wooden floors. After doing with initial water damage on the surface it is best to call in a water damage restoration company as soon as possible. The damage can start to seek into the floor and cause the floor to buckle and warp. The longer it’s left the worst damage will be over time.

Renting property and water damage

When you purchase a home unless it is brand-new and inspection is done to determine the safety and livability of the home. Sometimes the inspection may be foregone but in the case of rental homes there usually isno inspection. So what you did have moved into a rental and you discover that mold has moved in before you?

Danny Hamrick was forced to move his family out of a rental home on Cherry Lane in Nampa. The reason why they’ve moved out is mold. “there was mold under the water heater, behind the floor boards and in the crawlspace under the sink.It started at the bottom and is working its way up,” said Hamrick.

Hamrick says the owner of the home wouldn’t do anything about it so he called in a certified mold inspector to take a look.

“The mold that we tested under the sink tested positive for chaetomium, which we refer to as a marker mold. There had been enough moisture and water that had been dripping over a long period of time that it created a perfect environment for stuff to start growing, there’s enough of it in the area that they frequent, like the kitchen and living room, that those spores are constantly airborne. Its just such a high concentration in a specific location it can be really be harmful for your health.” Said Barak Watson, with Mold Inspection Services.

“Its commonly referred to as black mold and is always an indicator of an indoor mold with a large amount of mold in the house can make you sick.” Said Watson.

The Environmental Protection Agency says “active moldcan cause serious health complications, especially for people with weaker immune systems.”

The Centers for Disease Control says, “memory loss and confusion are symptoms of living with black mold. Skin irritation and respiratory problems are also symptoms”.

The family requested remediation of the mold, but so far the landlords have refused.

Many people complain about health issues after moving into a new home and never think that this may be caused by mold. In a very little amount of water damage could results in mold growth and a very great deal of water damage can result in a very great deal of mold. This mold may or may not be known by the home owner before you move in and if you do find it you should let them know immediately. There are some things to keep in mind when moving into new house.

Once you decide that you like in place and are really considering moving you should ask the landlord about water damage. Has there been any in the past? What was done to fix it? What steps were taken to prevent it happening in the future? These are all valid questions that should be on your list of first things to ask a potential landlord. You should also make an effort to educate yourself about mold and water damage.

If you have the available funds or if the landlord is willing to pay for it you should seek owned a mold and water damage restoration company to give your potential new house a good going over. This will allow you to move in with a clear conscience and the landlord to know for certain that his property is free of mold. If you do not have the funds or if the landlord is unwilling to you should make an effort to have a quick look over the house yourself. Check any areas that are always coming into contact with water and look out for signs of mold growth. Mold and mildew are often present together so if you smell a musty rotten sort of smell than that may be an indication of unseen water damage.

Water damage: prevention is better than any kind of cure

The best way to deal with water damage is to not have to deal with that in the first place. What I mean by this? Water damages when things are already gone from bad to worse but what if they don’t have to? Does every water related issue have to devolve into a problem? Water damage is very difficult to deal with for the uninitiated but maintenance on the other is much easier to deal with.

Our lives are defined and enriched by so many items of technology if we had to sit down list of all we’d hardly get through the day. Many of these technologies utilize water in one form or another. The washing machine, dishwasher, refrigerator, sinks, toilets, hoses, pipes and other household items use water everyday sometimes multiple times a day. Washing machines for example use many gallons of water per washing cycle! When these devices malfunction that usually means that water is about to start spreading all over your house that that is not necessarily the case.

Using other technology you can be warned that water damage is taking place as it is happening. A water monitor attached to your washing machine can let you know of athlete and some models can shut off water to the house to prevent further damage. This is especially useful if you plan to take a long holiday. There is nothing worse than returning home after a holiday to realize that your home is flooded. When in doubt seek out a water damage restoration company to deal with water damage that has already happened. You should also call them ahead of time and asked what sort of maintenance should you be doing on your home to prevent your needing to call again.

Toilet maintenance and repair: your least favorite job


We use our toilets every day and sometimes many, many, many times a day. We often never think twice about using them until the day we discover that they are broken. One of the worst problems when it comes to a broken toilet is that they tend to leak and they can leak a lot! Toilets can last for years with proper maintenance but if your child is broken and you need to know how to repair it and what to do about it.

  • What are the most common problems are to deal with his clogged toilets. The best way to discover the reason for a clogged toilet is to fill up a 5 gallon bucket of water and dump it into the toilet bowl as you’re flushing it. If the water drains normally then the clog is due to a lack of water but if the water backs up then the cloak is due to an obstruction.
  • If after you flush the water level rises and then a little while later descends you may be dealing with a cracked toilet bowl.
  • If you flush toilet and nothing at all happens there are several options for what’s wrong. The chain in the toilet may have slipped off or become broken, the interior plumbing may be faulty, it’s also possible that the water in the tank is no longer filling and therefore it cannot flush.
  • If you hear a suction sounding noise from within the toilet when you try to flush it then you should call in a plumber as soon as possible. Your toilet vent pipe may be clogged and this is not something that most people are qualified to deal with.

Don’t wait to clean up sewage!


When you come into contact as soon as your business as soon as possible. The longer you leave it worse to get and the more likely to cause you serious health issues in the future. Whether it’s a toilet that’s been backed up at studies don’t know or if you’ve had the seriousness fortune of having a sewage tank backup it needs to be dealt with right away.


Sewage, also known as Blackwater, is by far the worst kind of water damage to do with the many reasons. Firstly it is extraordinarily unpleasant. Secondly it is hazardous to health only be dealt with by trained professionals. Thirdly, once sewage seeps into the furniture, flooring, carpets, fixtures, memorabilia and electronics of your home it will be nearly impossible to get it fully clean again.


If the sewage issues small, confined to toilet for example, then you may be able to sell and so with caution. You should wear protective clothing and cover your face with a protective mask. Should also wear non-porous gloves so as not to get any of this highly toxic material on your hands. You should also dispose of any hazardous waste in the appropriate way and as soon as possible. Not only could it be potentially hazardous to other people live not suppose properly they can also cause damage to the environment. At all times when dealing with sewage you should show an appropriate level of caution. The more safety measures you take the less likely you’ll have to do with any problems later on.