If your home or business has sustained water damage, time is of the essence. The faster the water is removed and the damage is repaired, the less costly the restoration process will be.
Call ATP Environmental Solutions at (561) 337-0805. We are water mitigation professionals and can provide immediate response in order to quickly repair and restore any water damage that has been caused to your home or business.
We work with all insurance companies, and all water damage repair is performed at your convenience, including off hours, evenings, and weekends. We also provide free phone consultations for water damage restoration. Let us help you get your home or business back to its original condition as quickly as possible; get in touch today.
Water Mitigation Services Offered
Detailed Property Damage Estimates
Detailed Assessment Reports for Environmental Damages Including Mold Using DPA, IICRC and Osha Standards
Property Damage Assessment and Appraisal Process for Residential and Commercial – Contents and Structure
Water Damage Happens with Little Warning
Water damage emergencies can happen with little or no warning. A storm hits, a drain plugs and overflows, or a pipe bursts and floods your property. The ensuing mess needs to be handled quickly and properly to avoid costly repairs. However, it is important to keep some things in mind when dealing with the aftermath of water damage.
Is Your Property Insured?
Water damage is responsible for a large number of home insurance claims, and it can be caused by any number of sources. When filing a claim, homeowners need to know what is covered in their policy and what is not.
When water damage is sudden or accidental, chances are good that the property owner is covered by his or her standard home insurance policy. Some coverage will be included with basic policies, while other sources of damage will require endorsements. It largely depends on the type of home that is being insured.
By default, standard policies typically include coverage for repairs needed due to:
Hurricane or storm damage, which is a common cause of roof collapse and water damage
Discharge and overflow
Tearing, burning, bulging, or cracking of hot water heating systems
By contrast, the least expensive home insurance policies may include very limited coverage options. Unlike standard policies, they generally will not include the situations listed above.
Trying to understand these differences can be frustrating and confusing. Read on for explanations and definitions of the most commonly confused terminology as well as tips on what to know about your insurance should you ever need to make a claim.
Types of Water Damage
When customers call their insurance companies to file claims, customer service representatives might use phrases like:
Overflow and discharge
The use of these terms helps the company to determine what claims are covered by pinpointing the cause of the water damage. Unfortunately, the source is not always easily apparent. Oftentimes, the company will need to send an adjuster to investigate where the water is coming from, why the damage happened, and whether the claim will be covered by the homeowner's policy.
Understanding What Coverage Fits Your Needs
Dealing with water damage is stressful enough on its own. The situation is only aggravated when a homeowner needs to make a claim and does not know whether or not their insurance covers the damage.
In this case, it is best to be proactive. Once homeowners understand the different terms and types of water damage, they can call their personal insurance representative and discuss coverage options. If it is determined that there is a heightened risk for a specific situation, endorsements can be added or removed as needed.
If you find yourself in the position of dealing with water damage or mold removal, contact us. We will work with you to determine what is needed for clean up and get the job done with minimal disruption to you.