Your laundry room, basement, and roof are almost as likely to have water damage and leaks as your bathrooms and your kitchen are. So, what can you do about it?
Check your washing machine hoses often for moisture around the ends of the hose and signs of cracking or weak spots. The hose should be replaced as often as is necessary, but this shouldn’t be more than every three to five years.
The water heater in your home can pose problems, as well. If there are areas of rust on the tank or wet areas in the floor nearby, you might have a leak on your hands. Hot water heaters should be located in the lowest level of your home possible, preferably the basement, and always next to a floor drain. If it has to be installed on upper floors, it should be installed inside a large drain pan and the water directed to a drain in the floor. This way, if it begins leaking, it won’t damage your floors or any area of your home on the next floor down.
Your air conditioner collects condensation and each one should have a drain pan line to direct the water collected by your air conditioner.
Outside your home, any low spots around your house’s foundation should be filled in so that water drains away from the house and not toward it and end up seeping in through any flaws in the structure. Caulking around windows and doors should be inspected; if it is cracked or missing anywhere, it’s best to remove it and completely re-caulk it.
The area round your roof should be draining properly and if it’s not, water seeps into the wood and causes it to rot. A leaky roof can be a definite cause of water damage and is another thing that is not uncommon. Keep your gutters and downspouts free from leaves and other debris that can prevent the water from leaving the roof efficiently. Don’t walk on your roof unless you have to for repairs and it could be wise to invest in a roof preservative to help limit the amount of water your roof sponges up. Wood soaks up water pretty easily and if you want to prevent water damage to your home, it’s a good idea to get a sealant for wooden areas of your home that are exposed to the elements.
Showing posts with label water. Show all posts
Showing posts with label water. Show all posts
Saturday, January 26, 2008
Water Damage and Your Homeowner’s Insurance
Not surprisingly, water damage is one of the most frequent causes of home insurance claims. Not many people like having to discover what is and what isn’t covered by their home insurance policy, but that’s often the way that it goes. A pipe bursts in the basement or an appliance such as a clothes washer or dishwasher begins to leak all over the floor while you’re gone on vacation and all of a sudden you find yourself wondering if you’re covered.
For example, if a pipe were to burst in the home due to a drop in temperature and you had left the home vacant and without the heat necessary to keep the pipes from bursting, you might not be covered. They could possibly deny you due to the fact that you did not take the necessary action that would have prevented the event.
If your bathtub overflows, you should be covered, even if it’s just because you were on the phone or tending to another matter in the house and simply forgot to turn off the water.
In most cases if a major household appliance such as a washer or a dishwasher suddenly malfunctions and water spews all over the floor and causes damage, you are covered by your homeowner’s insurance. You’ll have to pay for the cost of fixing the washing machine or dishwasher yourself, but any damage caused by the water itself should be paid for by your policy.
If the cause of the damage is heavy rain and the water leaks through the roof or floods into the basement and the house itself and items inside it are damaged, you should be covered for the cost of the water damage to the interior of your home. The damage to the belongings inside your home is probably not covered, however; if the roof leak was caused by a tree limb falling on the house, then the damage to your furniture, roof, and interior should be covered to a reasonable extent.
One of the major causes of water damage to homes, however, is usually not covered. This is a flood. Unless you have an insurance policy that specifically identifies a flood as a source of damage to the home, you aren’t covered. Flood insurance needs to be purchased from the federal government and your local community should be able to give you information as to whether or not they participate in the National Flood Insurance Program.
For example, if a pipe were to burst in the home due to a drop in temperature and you had left the home vacant and without the heat necessary to keep the pipes from bursting, you might not be covered. They could possibly deny you due to the fact that you did not take the necessary action that would have prevented the event.
If your bathtub overflows, you should be covered, even if it’s just because you were on the phone or tending to another matter in the house and simply forgot to turn off the water.
In most cases if a major household appliance such as a washer or a dishwasher suddenly malfunctions and water spews all over the floor and causes damage, you are covered by your homeowner’s insurance. You’ll have to pay for the cost of fixing the washing machine or dishwasher yourself, but any damage caused by the water itself should be paid for by your policy.
If the cause of the damage is heavy rain and the water leaks through the roof or floods into the basement and the house itself and items inside it are damaged, you should be covered for the cost of the water damage to the interior of your home. The damage to the belongings inside your home is probably not covered, however; if the roof leak was caused by a tree limb falling on the house, then the damage to your furniture, roof, and interior should be covered to a reasonable extent.
One of the major causes of water damage to homes, however, is usually not covered. This is a flood. Unless you have an insurance policy that specifically identifies a flood as a source of damage to the home, you aren’t covered. Flood insurance needs to be purchased from the federal government and your local community should be able to give you information as to whether or not they participate in the National Flood Insurance Program.
Things to Know About Water Damaged Vehicles
You might not know it, but if a vehicle is caught in a flood and is partially or even entirely submerged, it isn’t always taken off to the junk yard for scrap. Many times these card are sold through salvage auctions, taken to far off locations, and cleaned up for re-sale. It’s not often the case that these cars that are being re-sold are identified as having been flooded before.
There are a lot of things you should know about water damaged vehicles. Any vehicle that has sustained water damaged is susceptible to mold growth in the vehicle’s interior, especially if the vehicle was allowed to sit untreated in warm temperatures and dry naturally. If the doors to the car or truck have been left shut and it’s been let to try naturally, the musty odor inside will be very prevalent and you won’t have to have any kind of training to detect it. Some dishonest car dealers (or private owners trying to get rid of the car) will try to mask the smell of the water damage with all manner of air fresheners and if you smell anything pleasant while looking inside a car that obviously isn’t brand new, you should probably walk away because they’re hiding something.
Look for any kind of rust in the interior of the car and the trunk, especially near the taillights and check the carpeting for signs of damage. Carpet that has soaked up water and hasn’t been properly treated will most likely stink, especially if it’s been submerged in the sewer water that’s often brought to the surface by flooding.
You might think that if the water dries out, the engine of the vehicle will be just fine, but this probably isn’t the case if it hasn’t been restored by a professional. Sewage, sand, and other debris could have seeped into it and cause misfirings and blown gaskets.
Water damaged vehicles can also suffer electrical problems, especially in newer models where most things are monitored electrically like timing on headlights, the radio, when the oil needs to be changed, and all the way down to how many miles are on the car.
Unless the carpet and its padding were removed and the interior cleaned by a professional and the car was submerged in sewer water, high levels of bacteria and mold are very possible, too.
Paying for a vehicle history from Carfax.com could be beneficial if you get the car’s VIN, but please be aware that the car will only show up as having been flood damaged if an insurance agent has looked at the car and it was recorded. If the vehicle history report doesn’t show it was flooded, but it appears to be water damaged, back away. You’re likely to find a better deal somewhere else.
There are a lot of things you should know about water damaged vehicles. Any vehicle that has sustained water damaged is susceptible to mold growth in the vehicle’s interior, especially if the vehicle was allowed to sit untreated in warm temperatures and dry naturally. If the doors to the car or truck have been left shut and it’s been let to try naturally, the musty odor inside will be very prevalent and you won’t have to have any kind of training to detect it. Some dishonest car dealers (or private owners trying to get rid of the car) will try to mask the smell of the water damage with all manner of air fresheners and if you smell anything pleasant while looking inside a car that obviously isn’t brand new, you should probably walk away because they’re hiding something.
Look for any kind of rust in the interior of the car and the trunk, especially near the taillights and check the carpeting for signs of damage. Carpet that has soaked up water and hasn’t been properly treated will most likely stink, especially if it’s been submerged in the sewer water that’s often brought to the surface by flooding.
You might think that if the water dries out, the engine of the vehicle will be just fine, but this probably isn’t the case if it hasn’t been restored by a professional. Sewage, sand, and other debris could have seeped into it and cause misfirings and blown gaskets.
Water damaged vehicles can also suffer electrical problems, especially in newer models where most things are monitored electrically like timing on headlights, the radio, when the oil needs to be changed, and all the way down to how many miles are on the car.
Unless the carpet and its padding were removed and the interior cleaned by a professional and the car was submerged in sewer water, high levels of bacteria and mold are very possible, too.
Paying for a vehicle history from Carfax.com could be beneficial if you get the car’s VIN, but please be aware that the car will only show up as having been flood damaged if an insurance agent has looked at the car and it was recorded. If the vehicle history report doesn’t show it was flooded, but it appears to be water damaged, back away. You’re likely to find a better deal somewhere else.
Drying Out Water Damaged Properties
As you can imagine, drying out a home or other building that’s been submerged in water, whether it’s flood water or rain water, can be quite a daunting task. Here we’ll discuss a few different ways to begin the process.
A flood can happen in almost an instant, but drying out a home or other property can take a long time. Depending on the property you’re trying to dry out, using hot air drying techniques may damage the building, especially if it’s a historical one.
Before beginning the drying process, be sure to address the electrical hazard. Make sure all power to your home is completely off. Just because the power is off for all your neighbors, don’t assume that yours is off, too. This could be a very fatal mistake. Not only should you be careful of electrical hazards, but biological ones, as well. Flood waters such as those caused by Hurricane Katrina can be contaminated with human and animal waste, all manner of chemicals, and even cadavers. Protect your eyes, mouth, hands, and wear a respirator. Wash your hands in disinfectant soap after a session of cleaning and again before you eat.
Take pictures of the damage with a camera or if possible, videotape them. This documentation will make it easier when you begin negotiating with your insurance adjuster on what compensation you will be eligible for.
Make any repairs necessary to keep water from re-entering the home. These repairs should only be temporary while you get the majority of the building dried.
Any effort to begin drying out a home is the attic. Any wet insulation should be removed as quickly as possible; it is no longer useful, but it is heavy and holds moisture for quite a long time and will continue to cause damage to wood, metal, and drywall. If anything in the attic is soaked with water, remove it. These waterlogged items are heavy and can cause the ceilings to crack. Fresh air circulating through your home is a good way to begin and if you have any fans, turn them on once you’re confident that you can’t become electrocuted simply by walking around.
Opening the windows throughout the house (as long as it isn’t raining) will help and at this time you should begin to wash down any wooden items in the home in order to remove mud, silt, and other debris.
A flood can happen in almost an instant, but drying out a home or other property can take a long time. Depending on the property you’re trying to dry out, using hot air drying techniques may damage the building, especially if it’s a historical one.
Before beginning the drying process, be sure to address the electrical hazard. Make sure all power to your home is completely off. Just because the power is off for all your neighbors, don’t assume that yours is off, too. This could be a very fatal mistake. Not only should you be careful of electrical hazards, but biological ones, as well. Flood waters such as those caused by Hurricane Katrina can be contaminated with human and animal waste, all manner of chemicals, and even cadavers. Protect your eyes, mouth, hands, and wear a respirator. Wash your hands in disinfectant soap after a session of cleaning and again before you eat.
Take pictures of the damage with a camera or if possible, videotape them. This documentation will make it easier when you begin negotiating with your insurance adjuster on what compensation you will be eligible for.
Make any repairs necessary to keep water from re-entering the home. These repairs should only be temporary while you get the majority of the building dried.
Any effort to begin drying out a home is the attic. Any wet insulation should be removed as quickly as possible; it is no longer useful, but it is heavy and holds moisture for quite a long time and will continue to cause damage to wood, metal, and drywall. If anything in the attic is soaked with water, remove it. These waterlogged items are heavy and can cause the ceilings to crack. Fresh air circulating through your home is a good way to begin and if you have any fans, turn them on once you’re confident that you can’t become electrocuted simply by walking around.
Opening the windows throughout the house (as long as it isn’t raining) will help and at this time you should begin to wash down any wooden items in the home in order to remove mud, silt, and other debris.
Drying Out Water Damaged Properties
As you can imagine, drying out a home or other building that’s been submerged in water, whether it’s flood water or rain water, can be quite a daunting task. Here we’ll discuss a few different ways to begin the process.
A flood can happen in almost an instant, but drying out a home or other property can take a long time. Depending on the property you’re trying to dry out, using hot air drying techniques may damage the building, especially if it’s a historical one.
Before beginning the drying process, be sure to address the electrical hazard. Make sure all power to your home is completely off. Just because the power is off for all your neighbors, don’t assume that yours is off, too. This could be a very fatal mistake. Not only should you be careful of electrical hazards, but biological ones, as well. Flood waters such as those caused by Hurricane Katrina can be contaminated with human and animal waste, all manner of chemicals, and even cadavers. Protect your eyes, mouth, hands, and wear a respirator. Wash your hands in disinfectant soap after a session of cleaning and again before you eat.
Take pictures of the damage with a camera or if possible, videotape them. This documentation will make it easier when you begin negotiating with your insurance adjuster on what compensation you will be eligible for.
Make any repairs necessary to keep water from re-entering the home. These repairs should only be temporary while you get the majority of the building dried.
Any effort to begin drying out a home is the attic. Any wet insulation should be removed as quickly as possible; it is no longer useful, but it is heavy and holds moisture for quite a long time and will continue to cause damage to wood, metal, and drywall. If anything in the attic is soaked with water, remove it. These waterlogged items are heavy and can cause the ceilings to crack. Fresh air circulating through your home is a good way to begin and if you have any fans, turn them on once you’re confident that you can’t become electrocuted simply by walking around.
Opening the windows throughout the house (as long as it isn’t raining) will help and at this time you should begin to wash down any wooden items in the home in order to remove mud, silt, and other debris.
A flood can happen in almost an instant, but drying out a home or other property can take a long time. Depending on the property you’re trying to dry out, using hot air drying techniques may damage the building, especially if it’s a historical one.
Before beginning the drying process, be sure to address the electrical hazard. Make sure all power to your home is completely off. Just because the power is off for all your neighbors, don’t assume that yours is off, too. This could be a very fatal mistake. Not only should you be careful of electrical hazards, but biological ones, as well. Flood waters such as those caused by Hurricane Katrina can be contaminated with human and animal waste, all manner of chemicals, and even cadavers. Protect your eyes, mouth, hands, and wear a respirator. Wash your hands in disinfectant soap after a session of cleaning and again before you eat.
Take pictures of the damage with a camera or if possible, videotape them. This documentation will make it easier when you begin negotiating with your insurance adjuster on what compensation you will be eligible for.
Make any repairs necessary to keep water from re-entering the home. These repairs should only be temporary while you get the majority of the building dried.
Any effort to begin drying out a home is the attic. Any wet insulation should be removed as quickly as possible; it is no longer useful, but it is heavy and holds moisture for quite a long time and will continue to cause damage to wood, metal, and drywall. If anything in the attic is soaked with water, remove it. These waterlogged items are heavy and can cause the ceilings to crack. Fresh air circulating through your home is a good way to begin and if you have any fans, turn them on once you’re confident that you can’t become electrocuted simply by walking around.
Opening the windows throughout the house (as long as it isn’t raining) will help and at this time you should begin to wash down any wooden items in the home in order to remove mud, silt, and other debris.
Protect Your Water Pipes in the Winter
People who are spending their first winter in their new home and have never owned a home before might not think about the kind of damage a burst water pipe can cause. New homeowners don’t often think about this very real problem and it can lead to some very expensive consequences.
Water pipes in the home that are not properly insulated can freeze and burst in the winter if the temperature drops to below 20 degrees. Even a crack that is only one-eighth of an inch can let out over 250 gallons of water each day and the water damage this can cause can potentially be catastrophic. Your floors, clothes, carpet, and personal items will be damaged and as the water dries up and spring returns, it will leave you with a more serious problem. This problem is mold and when water damage to your home isn’t repaired correctly or not repaired at all, it can grow in your home and make your entire family become sick over time. While most insurance policies do not cover mold, water damage is usually covered to some extent. Preventing water damage to your home that is covered can help you prevent the mold damage to your home that isn’t covered and while any kind of water damage can cause this mold to grow, but burst frozen pipes are one of the easiest things to prevent.
One of the first things that you should do during the winter is cover your indoor water pipes with insulation. Where possible, make sure warm air can get to your pipes during a deep freeze. Do this either by opening the cabinets under your kitchen and bathroom sinks or placing a space heater in the room with these pipes. If you’re going to use space heaters, be careful and don’t leave them unattended for long or where they can possibly catch things on fire. Don’t use extension cords with space heaters and keep anything that could catch fire preferably over 5 feet away or you could be facing a fire damage problem instead of water.
Disconnect any garden hoses and make sure cracks in your home’s foundation are sealed so cold air, water, and snow can’t get inside to your pipes. Keeping a small bit of water running through hot and cold water faucets can also mean the difference between a busted and an un-busted pipe.
Water pipes in the home that are not properly insulated can freeze and burst in the winter if the temperature drops to below 20 degrees. Even a crack that is only one-eighth of an inch can let out over 250 gallons of water each day and the water damage this can cause can potentially be catastrophic. Your floors, clothes, carpet, and personal items will be damaged and as the water dries up and spring returns, it will leave you with a more serious problem. This problem is mold and when water damage to your home isn’t repaired correctly or not repaired at all, it can grow in your home and make your entire family become sick over time. While most insurance policies do not cover mold, water damage is usually covered to some extent. Preventing water damage to your home that is covered can help you prevent the mold damage to your home that isn’t covered and while any kind of water damage can cause this mold to grow, but burst frozen pipes are one of the easiest things to prevent.
One of the first things that you should do during the winter is cover your indoor water pipes with insulation. Where possible, make sure warm air can get to your pipes during a deep freeze. Do this either by opening the cabinets under your kitchen and bathroom sinks or placing a space heater in the room with these pipes. If you’re going to use space heaters, be careful and don’t leave them unattended for long or where they can possibly catch things on fire. Don’t use extension cords with space heaters and keep anything that could catch fire preferably over 5 feet away or you could be facing a fire damage problem instead of water.
Disconnect any garden hoses and make sure cracks in your home’s foundation are sealed so cold air, water, and snow can’t get inside to your pipes. Keeping a small bit of water running through hot and cold water faucets can also mean the difference between a busted and an un-busted pipe.
How to Prevent Water Damage Outside Your Home
Any excess amount of water coming into contact with the foundation or the inside of your home can be structurally damaging and if you own the home you’re currently living in, one of the best things that you can do to prevent this damage is to learn how to direct runoff water away from your home.
If you live in a rainy climate or even a snowy one (even snow melts eventually in most places), you should take special care to protect the structural integrity of your home. This is best done by making sure that you have good surface drainage outside of your home and this involves your roof, gutters, and downspouts. Downspout extensions also need to be paid attention to and you need to make sure that they direct water as far as possible from your home’s foundation.
Making sure your roof is properly angled according to where you live. Roofs with higher pitches are the most common in areas where snow tends to be heavy because snow can easily slide off the roof instead of being allowed to sit there and not only stress your roof because of the weight, but when it starts to melt, it will cause the water damage you’re trying to avoid. Water shouldn’t be allowed to accumulate on your roof for any period of time and this is why your roof should be angled so the water will run into the gutters.
The gutters to your home should be large enough to handle heavy amounts of rainfall, especially if you live in an area where heavy rain is common. They should also be cleaned out on a regular basis and be free of clogs of any kind. It might not be a fun home improvement activity for you or anyone you hire to do it for you, but doing this as opposed to having to repair water damage to your home will save you money in the long run.
The downspouts that are connected to your gutters are what direct the water from the gutters and down to the ground where a downspout extension should be located to make sure the water from your roof doesn’t collect around your foundation. These are normally located around the corners of the home, but can be found in other areas. The easier it is for water to get away from your home, the more money you’ll end up saving in the future.
If you live in a rainy climate or even a snowy one (even snow melts eventually in most places), you should take special care to protect the structural integrity of your home. This is best done by making sure that you have good surface drainage outside of your home and this involves your roof, gutters, and downspouts. Downspout extensions also need to be paid attention to and you need to make sure that they direct water as far as possible from your home’s foundation.
Making sure your roof is properly angled according to where you live. Roofs with higher pitches are the most common in areas where snow tends to be heavy because snow can easily slide off the roof instead of being allowed to sit there and not only stress your roof because of the weight, but when it starts to melt, it will cause the water damage you’re trying to avoid. Water shouldn’t be allowed to accumulate on your roof for any period of time and this is why your roof should be angled so the water will run into the gutters.
The gutters to your home should be large enough to handle heavy amounts of rainfall, especially if you live in an area where heavy rain is common. They should also be cleaned out on a regular basis and be free of clogs of any kind. It might not be a fun home improvement activity for you or anyone you hire to do it for you, but doing this as opposed to having to repair water damage to your home will save you money in the long run.
The downspouts that are connected to your gutters are what direct the water from the gutters and down to the ground where a downspout extension should be located to make sure the water from your roof doesn’t collect around your foundation. These are normally located around the corners of the home, but can be found in other areas. The easier it is for water to get away from your home, the more money you’ll end up saving in the future.
How to Care For Water Damaged Electronics
Most of the time when electronic items become water damaged, they’re on and running and this is what causes the majority of the damage. The electricity and water flowing through the object at the same time is what fries the electronic components inside, not just the water itself.
What almost became a horror story for me was when I left my $40 CD player in the floorboard of the car along with a bag of ice that my brother was supposed to have retrieved after I got home. He didn’t and when I got in the car the next morning, it was completely submersed in water. The worst mistake I could have made at that point was to try and turn it on. Whatever you do, if you have a piece of water damaged equipment like this and it isn’t dry yet, do NOT try to turn it on! I let my CD player dry for about two weeks (after taking the batteries out) before I even considered trying to power it up. An article in the Washington Post claims that a Blackberry that had fallen into the toilet survived because it was put in a bowl of uncooked rice for a few days because rice absorbed all the moisture. If you’re going to go this route, make sure the rice is of a larger grain so it doesn’t work its way inside the device.
If you’re faced with a problem where a liquid spills into a device that is powered on and connected to the current in your wall or the current in your car, disconnect the device from its power source immediately. If it has batteries, too, remove them to make sure it has no power source at all, in case you accidentally press the “on” button. You don’t want to get shocked by touching it while it’s still plugged in, if it plugs into the wall in your house.
Other devices larger than cell phones and CD players get water damaged and those are computers, televisions, stereo equipment, video cameras, and etcetera. These items are best cared for by a professional and in fact, if you have any doubts as to your own ability to work on your smaller water damaged items, it’s really best to do this, anyway. If you’re going to call a professional, though, you should do it quickly: the liquid gradually corrodes some of the internal metal components.
What almost became a horror story for me was when I left my $40 CD player in the floorboard of the car along with a bag of ice that my brother was supposed to have retrieved after I got home. He didn’t and when I got in the car the next morning, it was completely submersed in water. The worst mistake I could have made at that point was to try and turn it on. Whatever you do, if you have a piece of water damaged equipment like this and it isn’t dry yet, do NOT try to turn it on! I let my CD player dry for about two weeks (after taking the batteries out) before I even considered trying to power it up. An article in the Washington Post claims that a Blackberry that had fallen into the toilet survived because it was put in a bowl of uncooked rice for a few days because rice absorbed all the moisture. If you’re going to go this route, make sure the rice is of a larger grain so it doesn’t work its way inside the device.
If you’re faced with a problem where a liquid spills into a device that is powered on and connected to the current in your wall or the current in your car, disconnect the device from its power source immediately. If it has batteries, too, remove them to make sure it has no power source at all, in case you accidentally press the “on” button. You don’t want to get shocked by touching it while it’s still plugged in, if it plugs into the wall in your house.
Other devices larger than cell phones and CD players get water damaged and those are computers, televisions, stereo equipment, video cameras, and etcetera. These items are best cared for by a professional and in fact, if you have any doubts as to your own ability to work on your smaller water damaged items, it’s really best to do this, anyway. If you’re going to call a professional, though, you should do it quickly: the liquid gradually corrodes some of the internal metal components.
Filing Your Flood Damage Insurance Claim
A flood can be a homeowner’s worst nightmare, especially if it engulfs almost the entire house like many of the homes that were made uninhabitable by Hurricane Katrina a few years ago. In case you ever have to face this catastrophe, here are a few tips on how to deal with it and file the insurance claim. Depending on the amount of water damage to your home, it may be salvageable and it may not, but the first step is getting your claim filed.
The first thing you should do after the water has been cleared from your home, call your insurance agent or company as soon as you can. If you can, have your name, policy number, and a phone number or e-mail address that you can be reached at handy when you call. This will speed up the process more than you think.
When you’re filing your claim, request a time frame for when your adjuster will be sent to your home. Try to be patient, especially if you live in an area that has withstood extensive damage due to a river flowing over its banks or a dam that has burst. The water damage to your home depends upon just how high the water rose in and around it.
Once the adjuster has become available and is able to reach you and your home, he or she will help you determine just how much they are willing and able to compensate you for the loss of your property and help determine just how extensive the water damage is.
If your contact information changes in any way, let your insurance adjuster know as soon as possible. If you’re in a shelter of some kind or staying with a relative or friend, give your adjuster the name of someone who has the ability to reach you. If you can’t get home, it’s best to make a list of as many items as you can think of that may need to be replaced or repaired in your home. Computers, television sets, clothing, expensive electronic equipment, books, and etcetera should be listed here. List anything of value that could have been water damaged or lost.
If you can return home, you should separate the damaged items from the undamaged items and take pictures of your property to give the adjuster a good idea of the kind of loss you have endured.
Even if this event has never happened to you or if you’re not expecting any water damage like this to your home any time soon (and who really is), one of the best things that you can do for your home is to take a video every year of your home and its contents. Put this video in a waterproof (and fireproof) safe in case the unthinkable ever happens.
The first thing you should do after the water has been cleared from your home, call your insurance agent or company as soon as you can. If you can, have your name, policy number, and a phone number or e-mail address that you can be reached at handy when you call. This will speed up the process more than you think.
When you’re filing your claim, request a time frame for when your adjuster will be sent to your home. Try to be patient, especially if you live in an area that has withstood extensive damage due to a river flowing over its banks or a dam that has burst. The water damage to your home depends upon just how high the water rose in and around it.
Once the adjuster has become available and is able to reach you and your home, he or she will help you determine just how much they are willing and able to compensate you for the loss of your property and help determine just how extensive the water damage is.
If your contact information changes in any way, let your insurance adjuster know as soon as possible. If you’re in a shelter of some kind or staying with a relative or friend, give your adjuster the name of someone who has the ability to reach you. If you can’t get home, it’s best to make a list of as many items as you can think of that may need to be replaced or repaired in your home. Computers, television sets, clothing, expensive electronic equipment, books, and etcetera should be listed here. List anything of value that could have been water damaged or lost.
If you can return home, you should separate the damaged items from the undamaged items and take pictures of your property to give the adjuster a good idea of the kind of loss you have endured.
Even if this event has never happened to you or if you’re not expecting any water damage like this to your home any time soon (and who really is), one of the best things that you can do for your home is to take a video every year of your home and its contents. Put this video in a waterproof (and fireproof) safe in case the unthinkable ever happens.
Dealing With Water Damaged Documents
Marriage, birth, and death certificates are only a few of the hundreds of different important documents and items that we have in our homes that can become damaged by flood waters or other kinds of leaks and most of us don’t know how to safely deal with these items once the damage is already done.
The first thing that you should know is that there isn’t any reason to panic, unless you’ve been away from your home for more than two days. It takes two days for mold to begin to grow on these items, so one of the first things that you should do is make the environment unfriendly to mold. Keep the house around 65 degrees Fahrenheit if you can and reduce the humidity. If there is any standing water still in the house, remove it as quickly as possible. Be careful, however, of any electrical hazards that might still exist and make sure the electricity to the house is off before you go rushing into any soaked areas. The possibility of electrocution is very real if the power isn’t off.
Air circulation in the house should be increased with fans if the air outside isn’t warmer or more humid than the air inside. If there are any emergency repairs that need to be made inside the house to ensure your safety, do them immediately.
The next thing you should do is figure out what documents in your home are going to need to be salvaged. This will include the documents listed above, marriage, birth, and death certificates, along with any insurance papers, divorce papers, and almost any other legal documents you have on hand. If the materials are not completely soaked in water, it’s possible to just air dry them and they will be fine. If they’ve been submerged for long, the best bet is to have them frozen and freeze-dried by a local facility.
Buy some freezer wrap from your local grocery store if they have it and use it to separate documents and books from each other when you pack them into boxes. Remove the most important items (i.e. legal documents, antique books of any value) first and if there are any less important items that you want to save (high school diplomas, anything that’s “one-of-a-kind”, books), remove those second. Don’t pack anything tightly in the freezer paper, just tight enough to keep the items from sticking to each other or to the inside of the box. Label each box with its contents and your contact information and have them transferred to the nearest freeze dry facility.
The first thing that you should know is that there isn’t any reason to panic, unless you’ve been away from your home for more than two days. It takes two days for mold to begin to grow on these items, so one of the first things that you should do is make the environment unfriendly to mold. Keep the house around 65 degrees Fahrenheit if you can and reduce the humidity. If there is any standing water still in the house, remove it as quickly as possible. Be careful, however, of any electrical hazards that might still exist and make sure the electricity to the house is off before you go rushing into any soaked areas. The possibility of electrocution is very real if the power isn’t off.
Air circulation in the house should be increased with fans if the air outside isn’t warmer or more humid than the air inside. If there are any emergency repairs that need to be made inside the house to ensure your safety, do them immediately.
The next thing you should do is figure out what documents in your home are going to need to be salvaged. This will include the documents listed above, marriage, birth, and death certificates, along with any insurance papers, divorce papers, and almost any other legal documents you have on hand. If the materials are not completely soaked in water, it’s possible to just air dry them and they will be fine. If they’ve been submerged for long, the best bet is to have them frozen and freeze-dried by a local facility.
Buy some freezer wrap from your local grocery store if they have it and use it to separate documents and books from each other when you pack them into boxes. Remove the most important items (i.e. legal documents, antique books of any value) first and if there are any less important items that you want to save (high school diplomas, anything that’s “one-of-a-kind”, books), remove those second. Don’t pack anything tightly in the freezer paper, just tight enough to keep the items from sticking to each other or to the inside of the box. Label each box with its contents and your contact information and have them transferred to the nearest freeze dry facility.
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