There are many disasters that can befall a household and a flood can be one of the most devastating. Unfortunately, many people discover too late that their homeowner’s insurance policy doesn’t cover direct or indirect flood damage. If you’re concerned about what impact a flood can have on your home and what can be done to prevent it, we’ve got some good information for you.
What is Flood Damage?
Flood damage is the impact of flood waters on a structure and its surrounding property as well as the damage caused as a secondary effect of the presence of water. For example, floodwaters could damage a basement directly and cause indirect damage by encouraging the growth of mold throughout the walls of a house or other structure. Indirect flood damage can be hard to prove to your insurance company so it’s helpful to call in the United Restoration team to thoroughly inspect your property as soon as possible. We’re certified through both the ACAC (American Council for Accredited Certification) and IICRC (Institute of Inspection, Cleaning, and Restoration Certification) and have extensive experience talking with home insurance agencies regarding the true extent of flood damage.
The Basics of Flood Insurance
The lines of coverage offered by most homeowner’s insurance policies don’t include flood damage; in fact, flood damage is explicitly excluded by many policies. To gain this coverage it’s necessary to purchase a more comprehensive policy or stand-alone flood insurance that works in tandem with your current policy.
Flood insurance is offered to insurance agencies through the National Flood Insurance Program. This program is managed by the Federal Emergency Management Agency (FEMA) and policies can be purchased by any customer who lives within an area that participates in the NFIP. If you want to know more about this program and flood insurance policies, just talk with your insurance agent.
When a Flood Happens
Cleaning up after a flood can take a long time. Once the water is removed, the space must be thoroughly dried and cleaned. You’ll need to arrange for a professional to inspect for structural damage; since flood waters typically damage the basement and foundations of homes, you don’t want to delay repairs. The United Restoration team has experience with the impact of flooding, so give us a call if you’re ever caught in high water.
WRT, ASD, AMRT, CMI, CIE
United Restoration & Construction, Inc.
15801 Rockfield Blvd Ste G Irvine, CA 92618