How to Deal with Your Insurance Company After a Water Damage Emergency
As Tropical Storm Imelda makes her presence known in the Houston Metro Area, many homeowners wonder what they should do if their property experiences damage caused by the storm. Don’t worry – Predator Restoration has the information for you.
- Insurance companies in Texas generally cover flood damage if you have a specific rider for that issue on your policy.
- More often than not, a professional, certified restoration company is required by your insurance carrier before they’ll even consider a claim.
- Contact Predator Restoration as soon as possible to start the restoration process for any water damage you are experiencing. Insurance carriers don’t cover “gradual” damage.
- We work directly with your insurance company on your behalf.
Most insurance policies will cover water damage caused by roof damage. Here in Texas, most policies also carry a specific flood rider with a deductible. Don’t assume you aren’t covered. Check with your insurance company if you aren’t sure.
After the danger of the storm has passed, it’s time to assess your home or business for any water or structural damage.
If you have any standing water in your home, tread carefully. Avoid walking in any standing water if you can. If you think the water can reach the electrical outlets, any wires on the floor (like a power strip), or reach an appliance, it’s best to turn off your circuit breaker to that area as soon as possible as long as you aren’t putting your safety at risk. Also, stay out of any areas that have sagging ceilings. If in doubt, leave the premises until someone with experience with water damage can assess the situation.
Predator Restoration recommends you take photos of any visible damage right away – before the water subsides – to start the documentation process for a possible insurance claim. If the water damage seems to be caused by damage to your roof or broken windows, photograph those areas as well. Even if your insurance policy doesn’t cover flooding, it may cover general water damage caused by structural issues.
Then call Predator Restoration. Our IICRC-certified technicians are on-call 24/7 to come out to your water-damaged property to help you deal with this disaster. We work directly with your insurance company on your behalf so you can focus on what you need to and not the tedious process of an insurance claim. We provide water damage restoration services to the Houston Metro Area.
Other steps you can take include the following:
- Remove as much water as possible with mops or towels.
- Put a piece of aluminum foil around the legs of any furniture that sits on wet carpet.
- Take up any water-logged area rugs, but don’t try to remove carpet on your own.
- If the weather permits, open windows and doors to improve airflow.
Don’t wait to call. It’s important to act quickly for water damage restoration. In just 24 to 48 hours, mold will grow in water-logged areas, and that’s something you don’t want to have to deal with. In the meantime, just think – hurricane season will be officially over by Nov. 30!