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Water Damage and Insurance Claims in Plano, TX

Have you ever been a victim of water damage? If yes, you know it is almost impossible to get it taken care of without the help of professionals dealing in water damage restoration in Plano, TX. In fact, the experts and relevant authorities also advise hiring licensed, specialized personnel for this undertaking, as DIY solutions and local repairmen can never provide guaranteed and long-term solutions. Instead, the two can even worsen the problem! So, what do you do when a pipe bursts or a drain overflows or reverses the matter? It is messy and will make you go through a lot if not treated promptly. In such situations, a few questions will instantly click in your mind, like what should be done, what is going to happen next, if the stuff in your home will all be ruined, and how many you hire the best service provider for water damage restoration in Plano, TX. Water damages are dreadful, and it is okay to be stressed out when you face any. But the more you know about it, the better you will be able to deal with a situation as such. For this reason and more, here we will walk you through a few things you must know about water damage restoration in Plano, TX,  and what should be asked from the service providers to decide if they are the right ones for your home.

Things You Need to Know About Water Damage Restoration in Plano, TX

1. There are specific insurance policies for water damage.

While many of us think that floodwater damages must be covered under the water damages section in insurance policies, this is not the case. Yes, water is water, and water damages are water damages, but flood damage is not covered under the homeowner’s insurance. The policy for water damage restoration in Plano, TX,  will only cover those issues that come from internal factors such as burst pipes or basement flooding. So, when you face water damage, be sure to tell the insurance company precisely about the kind of damage it is. This way, your claim will be processed correctly, and the actions that are needed will be quick.

2. Your insurance policy will not cover all types of water damage.

The best way to be certain of what is covered and what isn’t under your water damage insurance coverage policy is to review the policy thoroughly. Read and see what is excluded from being certain of when not to file a claim. For instance, water damage restoration in Plano, TX,  for the damage that is a result of spontaneous events such as overflowing of a tank or the washer or a pipe burst due to natural disasters might be covered by some providers. On the contrary, the damage that occurs due to your lack of care and maintenance or negligence of yours will often not be covered.

3. Water damage gets worse with each tick of the clock.

You don’t have to wait for a feasible time or for the water damage to flood your whole home before you act. Remember, if not treated in time, small water damage can become extensive, and the effects can be really far-reaching. Moreover, secondary damages that occur due to mold growth can expose you to serious health risks. There is a time window of 1-2 days, i.e., 24 to 48 hours before a wet spot begins to develop mold. Once this time elapses, mold can grow anytime and multiply quickly. If you already see mold growth in the damp spots of your home, you need to hire a professional for water damage restoration in Plano, TX,  without wasting another minute.

4. The insurance providers should be notified right away.

As soon as you discover areas in your home that will require professional help for water damage restoration in Plano, TX, your insurance company should be made aware. This will make it easier for you to get the claims processed in a timely manner, and the providers will even guide you about the first few steps you can take to prevent further damage. In some cases, the insurance providers will also recommend companies you can hire for water damage restoration in Plano, TX. However, it will be solely up to you whether or not you want to hire the companies they suggest.

5. It is important to know the water pollution level in your home.

There are three categories of water damage when it comes to identifying the level of water pollution in your home. Based on this, the experts dealing in water damage restoration in Plano, TX,  will introduce appropriate solutions and resolve the issues. These categories include:

  • Category 1: Water damage due to leaking or flooding from a clean source of water, i.e., a freshwater line. This water will not have any ill effects and will not make you sick.
  • Category 2: Water that has bacteria in it. This can cause illness if you or a family member comes in contact.
  • Category 3: This category refers to water that is highly contaminated. Coming into contact with this water can cause serious illness or even death. The sources could be an overflowing toilet, sewage backup, and/or dirty stormwater.

While most water damage incidents start with category 1, it doesn’t imply that it will remain in the same condition for long. If the water touches anything in your home that is dirty, for example, carpets or doormats, it will go down to category 2. And if it still stays, you will not be able to save it from going into category 3. The greater the degree of contamination, the more aggressive the methods that will be undertaken by the team you hire for water damage restoration in Plano, TX. By ‘methods,’ we mean measures that will have to be taken to restore structural and other damages to the property items, such as carpets and other soft furnishings. Dial 1-877-631-7576 to connect with the experts at Mr. Restore  water damage restoration in Plano, TX,  for further information!