Here are the top 5 things you need to know as a property owner, to better understand the flood and water damage restoration process.
Timing is crucial to preventing secondary damages such as warped walls and doors, damage to furniture, and mold growth even in places the flood did not touch.
Therefore, a Flood Metrix service professional will respond with urgency to prevent further damages. Customers expect to get an estimate before hiring a contractor and, in most cases, this is advisable; however, there are some cases where comparing estimates is not practical. Most property owners’ insurance covers emergency services such as flood damage restoration and emergency water removal; therefore, the emergency service billing process is a little different from the non-emergency service billing.
Most reputable insurance providers do not require a written estimate before approving emergency water mitigation services to begin.
However, they will require confirmation of the water damage source, i.e., sump pump failure, busted pipe, or appliance leak for example.
Often property owners will call Flood Metrix to request an estimate for flood damage or emergency water removal services. There are two major reasons a property owner calls to request an estimate for flood damage or emergency water removal service. First is because they do not know if their insurance is going to cover the cost of repairs. Second, because they need to find out if the cost of repair is worth using insurance coverage, which in most cases it is. Customers who choose Metrix over the Matter in an emergency and are self-pay customers receive special residential self-pay pricing.
Documentation for an emergency water removal services is critical, especially when insurance is paying the bill.
Do not be surprised if your water damage inspector takes pictures before they even enter your property. The inspector is required to follow industry guidelines for submitting project details for insurance claims. For example, we need to document relevant environmental conditions outside, note any damages, and of course collect a picture of the damaged property.
In addition to the photos taken outside, the inspector will also take pictures from the moment they enter the property, all the way through to the affected area. This is for both liability purposes and to create a proper damage scope. For example, what pictures may need to be taken down off walls so to prevent damage while a crew is bringing in equipment, what type of floor protection is required, and how many items may need to be moved. At Flood Metrix we use doc-u-sketch cameras to not only take photos but also to create a 3D virtual tour of the flood damage. Providing this quality of service allows us to share claim details with any adjuster, in real time, at the touch of a button.
In most cases we will collect a deductible up front with the average deductible being $500 or $1,000; sometimes the deductible can be up to $2,500.
However, this does not have to be a problem because Flood Metrix can defer your deductible to be applied towards the Reconstruction portion of your water damage project. This benefit creates little to no out-of-pocket expense for a customer. This is just another reason to choose Metrix over the Matter because the Power to Change the Matter is in the Metrix.
Most flood & water damage projects have 2 and sometimes 3 phases; each phase has different stages.
Phase 1 is the Water mitigation phase, which includes the cleanup and structural drying process. Phase 2 is Reconstruction & phase 3 would include Content Restoration. Each phase is paid as a separate invoice by an insurance provider, even if the same contractor handles 3 phases.
Insurance Accepted. Financing Available.
Choose Metrix over the Matter, Because the Power to Change the Mater is in the Metrix.
Frozen Pipes & Winter Water Damage by Metrix Restoration
Winter weather brings an added element of difficulty & danger to water damage restoration claims. We all can understand how each flood or water damage cleanup comes with both general & special needs.
In this article we will highlight how winter weather affects water damage restoration operations, the most common causes of winter water damage & what you can do to protect your home.
Making water pipe maintenance a priority this winter is a good idea, especially if the climate of your area sustains temperatures of freezing or below. Cracked & Busted Pipes due to freezing temperature is cited by most insurance adjustors and water damage restoration professionals as the #1 cause of residential water damage during winter, according to R. Noel, GM of Flood Metrix in Stafford, VA.
“Of course, roof leaks and ceiling damage caused by ice dams are also very common throughout the water damage industry in areas with longer winter seasons and heavy snow fall, but busted pipes still rank #1 in Northern VA, District of Columbia & Southern MD.”
How Frozen Pipes Cause Water Damage
The physical materials of your home are under constant “attack” by its surrounding environment. Most homeowners understand that weather in general can affect the structural integrity of their home, and still never consider how nature itself is a natural “stress factor” affecting their home on a day-to-day basis.
Temperature differentials in air currents, air pressure, convection are each invisible factors of winter water damage, unnoticeable to the naked eye.
During winter temperatures can remain at freezing or below for weeks and months at a time. In such climates freezing rains, icy wind chills and snow become like “military special force units” making structures more susceptible to flooding and water damage.
The good news is that keeping your home in good condition with up-to-date maintenance is the best defense against winter water damage. In fact, keeping your home reasonably heated is enough to prevent frozen pipes from busting & causing water damage/flooding.
Energy.gov recommends an average inside temperature of 68 degrees Fahrenheit.
Unoccupied homes are much more susceptible to flooding due to frozen/busted pipes when compared to homes which are occupied with regular home maintenance. One reason for this is that unoccupied homes are also more likely to have colder inside temperatures.
Additionally, unoccupied homes are more likely to behind on routine maintenance. When you combine cold temperatures with points of direct exposure to water pipes, freezing becomes a scientific certainty.
Frozen water obstructs and water flow and multiplies pressure per square in throughout pipes until they crack or bust. The chances of this happening begin to increase exponentially when temperatures reach 20 degrees Fahrenheit and below.
Water damage restoration companies must then use additional specialty drying equipment including directed heat, adding to the financial costs of flood damage.
Melting Snow & Water Damage
Everyone loves the beauty of freshly fallen snow, but nobody loves the water damage melting snow can cause. Drain backup and overflows are common due to melting snow.
The ground becomes heavily saturated while sewer systems are flooded with melting snow on top of its normal capacity. For tips to help prevent water damage see our related article on water damage prevention.
Ice Dams and Roof Leaks
Busted pipes may be the most likely source of winter water damage, but there is a second most common source. This source doesn’t begin with rain, snow or cold but with cluttered gutters. When gutters are obstructed, water can’t drain off the roof of a house properly. During winter months, water trapped in gutters along with debris freeze and combine with icicles to create “ice dams”. Although ice dams are not typically responsible for flood damage, but slow leak water damage and mold are both closely related. Regular gutter maintenance can reduce the likeliness of ice dams forming and prevent any resulting water damage.
Outdoor Water Outlets
Outdoor water outlets aka “water spigots” should be insulated and secured during winter months. Corresponding hoses should be disconnected, drained & stored to prevent damage. As these outlets are connected to water pipes, the main & lower level of these homes are at higher risk to flooding, water & mold damage.
If you do experience water damage this winter, call the experts at Flood Metrix. Our professional water mitigation teams are here 24/7/365 to move you from Stress to Satisfaction after a flood or water damage. Choose Metrix over the Matter Because the Power to Change the Matter is in the Metrix.
Check out the top causes of busted pipes and tips to prevent water damage.
Will insurance replace water damaged hardwood floors?
In general, water damage restoration companies will not pull-out hardwood floors, kitchen cabinets, tile floors or bathroom tubs without the claims adjuster’s approval. Industry standard is for water damage companies to attempt to salvage such materials before they are declared unsalvageable. This is all a part of the water damage insurance claims process. Before your claims adjuster buys you brand new hardwood floors, he or she needs to document the FACT of their unsalvageable water damage.
After hardwood floors have been dried, they must also be allowed time to re-acclimate. The re-acclimation period ranges from 30-60 days. It is not the job of the water damage restoration professional to determine whether or not hardwood floors are salvageable, that is the job of a flooring expert. Once the floors are dry, your insurance company will send out a vender to make a recommendation to refinish or replace the floors.
Keep in mind, the water damage flooring expert does not want to risk refinishing your floors if they are not 99% sure that they can make your damaged floors look brand new again. Going through the water damage claims process can take time & cause stress, but you can trust Flood Metrix to explain this process and provide clear, accurate insight every step of the way. The following notes are from a real flood damage claim.