Property Damage Insurance for Columbus Water Damage
Water damage property damage claims have quickly become the number one made claim for insurance coverage over any other insurable loss. Carriers have reported total claim amounts exceeding a billion dollars a year with flooring being the highest cost in replacement.
It’s against the law for the restoration contractor to make coverage determinations, advise as to potential coverage, advise in “bad faith” determination or act in any manner of an adjuster or public adjuster. Unfortunately, the downside to this law is that the home or business owner loses the ability to have an experienced, ethical contractor as an advocate in their claim.
The adjusters assigned by the insurance carriers are not experts in water damage, building construction, current building code or mold prevention or removal and typically work with the best interest of the insurance carrier in mind.
What the Restoration Contractor Can Do
Despite the law, an experienced, ethical water damage restoration contractor is still able to help a great deal. We are able to speak of our experience and give guidance in the proper procedures involved in the restoration of your home or business.
In using that experience, we can provide a well-documented line estimate for both the emergency water damage services and any water damage repair that may be needed. Any estimate given to you should be line itemed, specific to your property damage and include detailed notes to explain any detail that may be needed in special or unusual building material line items.
Pro-Tip: As the policy holder, you are still required to mitigate your loss. Doing nothing may risk any applicable coverage available.
You’re Not Expected to Be an Expert in Insurance Coverage
The UPPA laws and insurance carriers were not created in attempt to force you, the policy holder to go about figuring out the Columbus water damage claim process on your own. They were written in effort to protect you from unethical contractors and vendors taking advantage of your insurance policy.
Here are a few good tips to get you started on a path of successful restoration:
- Contact a restoration company to initiate water damage restoration services right away. Doing so will mitigate and reduce the severity of the loss.
- For your protection, keep conversations, advice and contracts in writing. Verbal statements seldom stand up in court or overrule a written and signed document.
- Take pictures of any and all damaged items and do not discard of any damaged personal property until reviewed and accepted by the carrier and adjuster.
- Mitigation services such as water extraction, removal of saturated carpet and padding and the removal of water damaged drywall and insulation may start right; any building repair services cannot begin until your carrier has had the opportunity to review the damaged property.
- For your protection, verify the restoration company is licensed, is insured properly and has workers compensation coverage. Any injury in your home or business may be your financial responsibility if the restoration contractor is not properly insured and covered by workers compensation insurance.
For water damage prevention information and quick tips, please visit our water damage prevention page.
If you find yourself at odds with your insurance carrier or adjuster, you have the right to contact the Ohio Department of Insurance and file a grievance as well as to contact a licensed public adjuster.
A licensed public adjuster has the legal authority to act as your advocate in the insurance claims process for your property damage though should be used as a last resort after all communication attempts with your carrier and/or adjuster have failed.
For your convenience, links to each are listed here.
Ohio Department of Insurance
Ohio Department of Insurance Licensed Public Adjusters
Sewer Backup / Sewer Damage Cleanup in Columbus
Widely considered the most serious category in water damage and is often referred to as “Black Water”. Sewer water is grossly contaminated, containing potential pathogens, microbes, virus and disease and should never be entered by inexperienced or untrained contractors or vendors.
The cleanup of sewage water is extensive and often means removal of most of the building materials and personal property affected. Porous and semi-porous materials must be discarded as sanitizing and deodorization of these items will often exceed value or be impossible to verify effectiveness. Non-porous building materials and personal property should be cleaned, sanitized thoroughly and removed, if possible from the area during the restoration process.
Take caution as inexperienced restoration contractors will often use primers and sealants on wood surfaces such as sill plates and framing. This practice will hide ineffective cleaning procedures and may lead to secondary issues such as mold growth and contamination. Do not allow this practice without verification of cleaning such as ATP meter results and documentation.
Water Damage Cleanup in Columbus
The restoration of the water damage cleanup in your home or business will only be as successful as the experience of and the procedures followed by the restoration contractor. An unethical contractor will not utilize the necessary tools or ensure that the affected building materials have reached their dry standard.
Take caution when selecting a restoration contractor. You’re giving the responsibility and safety of your home or business to someone that may not have the experience and training to taking the precautions that should be. There have been hundreds of reports of chemical induced illness and property damage due to the products they’ve used, most often without your knowledge.
Pro-Tip: It’s the law that you are made aware of any product or chemical used in your home or business. An MSDS sheet must be given to you upon demand and you should ask for it.
Our teams take the environment and your health and safety seriously and as a primary focus in every service we provide. In water damage restoration, we only use environmentally friendly products such as Benefect®, an all-natural plant based antimicrobial and disinfectant in your Columbus home or business.
Mold Removal in Columbus
As home and businesses are constructed to be more energy efficient, the ability for the air inside to exchange with the outside decreases. Contaminants such as microbes, dust mites and germs are compounded and become airborne easily, leading to an increase in allergic reactions.
The introduction of water damage and moisture in the environment can lead to mold and fungi growth in many of the building materials used in today’s construction methods if left untreated or unnoticed for a period of time.
In water damage, mold prevention is a primary focus and can be achieved by controlling the specific humidity and moisture during the restoration process. Dehumidifiers and HEPA filtering air scrubbers can be utilized to further reduce the possibility of mold growth in the process of drying the structure.
Mold removal is often necessary as the result of hidden or unknown plumbing leaks, condensation, ground water seepage and trapped moisture in building materials. Often found in damp basement, attics with improper ventilation, bathrooms with faulty exhaust fans, around windows where condensation has formed and in drywall that has been damaged by water.
Mold removal should always be performed by an experienced, IICRC AMRT certified restoration company such as ours. Using specialized, industry equipment and tools and in following published standards such as the IICRC S-520, our teams have successfully performed remediation and mold removal in thousands of residential and commercial properties.
We’ve performed mold removal in local hospitals, retirement centers, schools and high-rise apartment buildings throughout Columbus and Ohio.
Protecting Your Home and Your Health in Columbus Water Damage Restoration
Any concerns about insurance and the claim paperwork required when filing a claim are a thing of the past.
Our technicians are trained to identify the source and cause of loss, record images, and summary information, as well as document every step for any potential insurance claim you may have.
We’ve worked with every major insurance carrier and agency throughout Columbus, Ohio with great success. Onsite and real-time imaging of every aspect in relation to the ongoing property damages in your residence or business is included in the restoration service we provide.
Our restoration services have set the bar pretty high. Our reviews speak for themselves. Whether you need to speak to restoration expert in the middle of the night or first thing in the morning, you can count on the IICRC certified water damage mitigation team at iDry Columbus Services, LLC.