Recent Water Damage Posts

Do You Know What the 3 Classifications of Floodwater Are? | SERVPRO® of West Bradenton/Anna Maria

2/25/2019 (Permalink)

Understanding the differences in the types of water that are involved with water damage will help you when dealing with the cleanup. It is easy to think that all water causing damage is the same, but there are three separate classifications for it: clean water, gray water and black water.

Regardless of what type of water has caused the damage, there will always be a cleanup and restoration process that will need to be done afterward. The most important thing to accomplish is removing all the moisture and damp items quickly, so that mold cannot begin to flourish in its ideal environment.

<h41-clean-water">No. 1: Clean Water

The name says it all—this water is considered “clean” and not the type to pose an immediate threat to your health. It is free of contaminants and can come from:

  • Broken water lines
  • Malfunctioning appliances
  • Toilet holding tanks
  • Snow melt and rainwater

Of the three different classifications of water, this is the easiest type of water damage to work with, as there are fewer microbes living in the water. However, after 48 hours and having contact with the building surfaces, clean water can move up to category two, which is gray water.

<h42-gray-water">No. 2: Gray Water

Gray water is where water damage cleanup and restoration can become a bit more involved and tedious. This water may pose a health risk, due to it containing slight amounts of chemical or biological contamination. This slight contamination in gray water means that it would need to be thoroughly treated before it is safe to consume.

Gray water is the type of water that can come from dishwashers, aquariums, showers, etc. Again, the 48-hour exposure time applies here as well, with gray water turning into black water if not treated.

<h43-black-water">No. 3: Black Water

Black water is the most hazardous of the three classifications, and it is considered to be highly contaminated with harmful chemicals and biological matter. This includes floodwaters containing soil and all sewage waters.

Sewage is contaminated with microbes, including bacteria, protozoans, molds, fungi and more—many of these can be harmful to humans.

Some of the diseases that can be transmitted by black water are:

  • Cholera
  • Typhoid
  • Hepatitis
  • Gastroenteritis-type illnesses

Just remember that when it comes to floods, any water should be treated as if it is black water since it picks up contaminants along its path.

The three classifications of floodwater are recognized by the Institute of Inspection, Cleaning and Remediation Certification (IICRC), an organization that certifies and sets the standards for the cleaning and restoration industries. Our technicians all study IICRC standards and best practices in water restoration and are available to help determine the steps to take to get your home back to normal.

It doesn’t matter what type of water has caused damage to your home or business, SERVPRO® of West Bradenton/Anna Maria is here to help get the situation under control and make it "Like it never even happened." Don’t hesitate to reach out to us if you need emergency cleanup and restoration services!

Ideas for Protecting Your Home From Water Damage | SERVPRO® of West Bradenton/Anna Maria Island

2/19/2019 (Permalink)

As a homeowner, there could come a time that you encounter a water damage situation to your home, as it can be one of the most common and costliest disasters homeowners face. From a burst pipe to a malfunctioning dishwasher or storm damage, there are countless ways water damage could strike your home.

While water damage can be an especially common issue for homeowners to deal with, there are plenty of ways you can help protect your home.

<h4to-protect-your-home">Ways to Protect Your Home

Water damage may not seem like much of a hassle for you to deal with, but drying out and cleaning up will prove to be tedious, not to mention there is a good possibility mold will follow. Mold is a very common side effect of water damage, as mold can begin to grow and flourish within 24–48 hours of moisture exposure.

When you begin to look for ways to protect your home, it may help you to break it down by areas of impact. These areas might include the basement, kitchen, bathroom, flooring and ceilings.

Preventing water damage in the basement begins by preventing any water seepage, which can be done by resealing vulnerable areas of the basement, ensuring that water drains away from your home and installing a backwater valve.

Your kitchen and bathrooms may experience water damage resulting from plumbing issues and appliance failures.

Make sure to regularly:

  • Inspect all appliances for issues with hoses and faucets
  • Check seals and caulking around showers and tubs, ensuring they are watertight
  • Know where the main shut-off valve is in your home
  • Don’t leave the house while the washer or dishwasher is running

There are things you can do to protect the possessions in your home from water damage, but don’t be surprised if it is not always possible. Use waterproof bins to store items and keep items stored on shelves off of the floor—which is especially recommended when using your basement for storage.

<h4from-water-damage">Recovering From Water Damage

If your home does experience a water damage situation, you stand a good chance of salvaging anything that can be dried out within 48 hours.

Your first step should be to contact your insurance company and assess the extent of the water damage in your home as well as identify the type of water that is involved.

The types of water that are involved in water damage are:

  1. Water from rain, condensation, leaky pipes, etc. is called “clean” water.

  2. Slightly dirty water from dishwashers, washing machines, clean toilets, etc. is called “gray” water.

  3. Water from sewage or serious flooding from nearby rivers, etc. is considered “black” water and this water can cause serious health problems.

Remove any wet objects from the home after a water damage disaster. Then dehumidify and dry your home out, followed by a thorough, disinfecting cleaning.

Pro tip: You can freeze wet books, photos and papers in a frost-free freezer to buy some extra time. This prevents mold and mildew from developing and causing more deterioration. Once able, you can remove them from the freezer and air-dry or fan-dry the pages.

It may seem like recovering from water damage is an overwhelming and slightly impossible task, but it doesn’t have to be. You can call on the highly trained experts at SERVPRO® of West Bradenton/Anna Maria Island, who are here to make it "Like it never even happened."

Protecting Your Home From Common Causes of Water Damage | SERVPRO® of West Bradenton/Anna Maria Island

1/10/2019 (Permalink)

Severe weather is usually one of the first things that comes to mind for many when the subject of water damage comes up.

However, while storms and flooding can cause catastrophic water damage, they are often not the main culprits. Instead, there are various items in your home that can be responsible for many situations that result in water damage.

Understanding Water Damage

Water damage is something that many homeowners will face, with it being the third most common reason for homeowners to file a homeowners insurance claim between 2011 and 2015, paying out an average of $8,861 per claim.

It is important to know the difference between water damage and gradual water damage, and how it can impact insurance claims. Examples of gradual damage are ongoing situations that have been happening over time, such as plumbing issues in the walls that will cause damage to walls, ceilings or floors, or water damage caused by cracks in the foundation. Unfortunately, many gradual water damage situations are not covered by homeowners insurance, while storm-related water damage usually is.

Plumbing Failures and Water Damage

According to the Insurance Institute for Business & Home Safety (IBHS), the leading causes of water damage are:

  • Plumbing supply system failures. Per IBHS, plumbing supply system failures are the leading source of residential water losses and cost an average of $5,092 per incident after the deductible. This can involve frozen pipes that can burst because of a buildup in water pressure caused by freezing water or when the supply system materials fail and creates a leaking or burst pipe. It was also found that in homes 16 to 40 years of age,` this was a more frequent occurrence and made up a large group of supply system material failure claims.

  • Plumbing drain system failures. This can occur when a sewer drain backs up and overflows into a home or from material breakdown issues. In their study, IBHS found that 52% of drain system failures were caused by sewer backups and 37% were related to material performance issues. IBHS also found that the average drain system failure was more expensive in southern states than in northern states.

  • Toilet failures. Toilet failures fall second in line to plumbing supply system failures for residential water damage loss, and can be caused by a faulty fill valve or clogged drain lines. According to IBHS, toilet failures that occur on the first floor of a home resulted in more expensive claims than those that occurred in basements or upper floors.

  • Water heater failures. If your water heater has reached its life expectancy, the tank begins to rust and corrode. This can result in leaking or bursting issues, and IBHS found that 69% of all water heater failures were the direct result of a slow leak or sudden burst and, on average, cost $4,444 per incident following the deductible.

  • Washing machine failures. Typically caused by supply hose failures, drain line failures and machine overflows, washing machine failures are one of the top 10 sources of residential water damage losses. Per IBHS, supply hose failures were responsible for over half of all washing machine-related losses.

If your home ever experiences any water damage, the professional team at SERVPRO® of West Bradenton/Anna Maria Island is available 247 to help with cleanup and restoration and make it look “like it never even happened.”

24 Hour Emergency Water Damage for Longboat Key

6/11/2018 (Permalink)

Water Damage 24 Hour Emergency Water Damage for Longboat Key SERVPRO of Bradenton acts fast for everyone of our customers. We serve Longboat Key, Bradenton, Anna Maria Island, and Sarasota area.

Flooding and water emergencies don’t wait for regular business hours and neither do we. SERVPRO of West Bradenton / Anna Maria provides emergency cleaning and restoration services 24 hours a day, 7 days a week—including all holidays. You can expect an immediate response time, day or night.

In many cleaning and restoration situations, immediate action is needed. With over 1,650 U.S. and Canadian Franchise locations, SERVPRO is strategically positioned to be faster to any size emergency. An immediate response helps to minimize the damage and the cleaning and restoration costs.

Water is particularly invasive, quickly spreading throughout your property and being absorbed into floors, walls, furniture, etc. SERVPRO of West Bradenton / Anna Maria arrives quickly and starts the water extraction process almost immediately.

Within Minutes

  • Water quickly spreads throughout your property, saturating everything in its path.
  • Water is absorbed into walls, floors, upholstery, and belongings.
  • Furniture finishes may bleed, causing permanent staining on carpets.
  • Photographs, books, and other paper goods start to swell and warp.

Hours 1 - 24:

  • Drywall begins to swell and break down.
  • Metal surfaces begin to tarnish.
  • Furniture begins to swell and crack.
  • Dyes and inks from cloth and paper goods spread and stain.
  • A musty odor appears.

48 Hours to 1 Week:

  • Mold and mildew may grow and spread.
  • Doors, windows, and studs swell and warp.
  • Metal begins to rust and corrode.
  • Furniture warps and shows signs of mold.
  • Paint begins to blister.
  • Wood flooring swells and warps.
  • Serious biohazard contamination is possible.

More Than 1 Week:

  • Restoration time and cost increase dramatically; replacing contaminated materials and structural rebuilding may be extensive.
  • Structural safety, mold growth, and biohazard contaminants pose serious risks to occupants.

Bottom line for your property, act fast and do not delay! All water damages can quickly escalate to bigger problems if not dealt with. SERVPRO of West Bradenton / Anna Maria is on call 24 hours a day, 7 days a week, 365 days year for your Water Emergency needs. Give us a call anytime 941-792-7715.

What Commercial Business Owners Need to Know About Water Damage in Bradenton

6/7/2018 (Permalink)

Water Damage What Commercial Business Owners Need to Know About Water Damage in Bradenton Commercial Business Owners face special challenges to protect both property and employees when dealing with Water Damage.

One of the most frequent disasters a business owner can encounter is water damage. Unfortunately, many business owners don't know how to handle this type of property damage. However, learning more about the issue can empower you to take the steps necessary to get your commercial property back in pristine condition. Access the information you need to accomplish this objective by reviewing the outline below:

Water Damage Basics
A water damage is a property issue that can transpire for numerous reasons. Some of them include:

  • Poor Ventilation
  • Leaking Pipes
  • Excessive Condensation
  • High Humidity
  • Damp Utility Closets
  • Roof Leaks
  • Damp Carpets
  • Flooding
  • Fire Sprinklers

Once a water damage has transpired on your property, you'll need to determine the following three things:

  1. Where the water came from?
  2. What is the extent of the damage?
  3. How long has the devastation has been in place?

Locally Owned Company with National Resources

As a locally owned and operated business, SERVPRO of Bradenton is strategically located to respond quickly to your water emergency event. We have been serving the Bradenton community for over 25 years! Call us today! (941) 792-7715

Develop A Water Damage Emergency Plan

6/7/2018 (Permalink)

One of the best ways to limit water damageis to develop an emergency plan that informs you and your employees of the steps you will take once a disaster strikes. Your plan should include information regarding who to call in the event of a water damage. Make sure that the contingency plan is placed in a visible area where all employees can easily access and read it. Also, be sure to delegate an authoritative figure to make significant decisions in case you are absent when the emergency transpires.

Mold Concerns After Water Damage

Another issue that commercial business owners should be cognizant of is mold. Unfortunately, water damage creates the ideal environment for this fungus to grow in.

To prevent mold from becoming a problem on your commercial property, be sure that all excess water is removed from the office setting quickly and correctly.


Call SERVPRO For Commercial Water Damage Cleanup
If you find that your commercial property is subjected to unwanted water damage, don't worry. Instead, call the IICRC-certified technicians of SERVPRO of West Bradenton / Anna Maria to obtain the fast, friendly water damage restoration services you need and deserve. We're ready to assist you right now, so contact us today at (941) 792-7715.

3 Reasons You May Have Noisy Pipes

3/28/2018 (Permalink)

It can be unsettling to hear knocking, hammering or whistling coming from your walls. However, plumbing can get noisy as the years go by. You don't always have to suspect a pipe break when you hear a funny noise in the wall. Check out the three reasons for noisy pipes below.

1. Momentum Changes: If you're running a shower and quickly close the faucet, you may hear a clanging in your pipes. This is caused by the water's rapid change in speed. While not necessarily a problem by itself, the vibrations caused by the hammering can actually lead to loose pipes or a pipe break in extreme circumstances. You may be able to fix the problem in two ways. First, try to tighten or replace your straps. Second, install an anti-hammer device.
2. Obstructions: Blockages in your pipes can lead to a whistling sound whenever the water is forced past it. Distorted washers in valves, loose screws or sediment buildup could be a cause of an obstruction in your plumbing. You can fix the noise by locating where the whistling sound originates from, and then replacing the appropriate faucet washers and screws. If the blockage is somewhere within the pipe, you may have to worry about the possibility of a burst pipe should the obstruction grow. The best way to clean out the pipes is to call in a plumbing cleaning service.
3. High Pressure: If the water pressure in your Bradenton, FL home is set too high, it can cause your pipes to become quite noisy. While the sound may be annoying, you should be more concerned about the potential problems it can cause. It may not cause a pipe burst, but it could damage your dishwasher, washing machine or other appliances. You can fix this issue by making sure your water pressure is set no higher than 80 pounds per square inch.

The pipes in your home may be noisy for a wide range of reasons. Some of the noises can even leave your plumbing vulnerable to a pipe break. It is important you fix a broken pipe as soon as you find the problem. Visit http://www.SERVPROwestbradentonannamaria.com for more information on water damage

Cleaning Up Sewage Backup

1/19/2018 (Permalink)

No one enjoys cleaning up after a flooded toilet, but the process must be done quickly and thoroughly to reduce the risk of your family becoming ill due to sewage backup. The flooded area, whether confined to a small bathroom or spread out over an entire floor of your home, needs to be scrubbed thoroughly and disinfected to remove all traces of bacteria. When you begin the time-consuming process of sewer cleanup, use these tips to restore flooded areas.

Cleaning

Before you can begin disinfecting the area as part of the sewer cleanup process, you must remove every bit of remaining water. Depending on how much dirty water remains in the flooded area, you can use any of the following items to remove it:

• Old towels
• Buckets
• Sump pump
• Trash pump
• Wet vac

Once the water has been removed, use wet rags and household cleaners to wipe down every surface that touched the sewage to remove every trace of dirt, debris, and filth from the area. Any porous items that may have absorbed water should either be thoroughly washed and dry cleaned or discarded.

Disinfecting

Once the area has been cleaned and all filth has been removed, you can begin the process of disinfecting. Mixing household disinfectant sprays with bleach and warm water makes the best solution to kill any remaining bacteria. Apply the solution to every surface that may have been contaminated and let it soak for a few minutes before scrubbing with a clean rag. After the solution has been removed, rinse every surface with clean, warm water.

Dealing with a flooded toilet in Bradenton, FL is never fun. Sewage backup presents a hazard, so it should be cleaned up as quickly and thoroughly as possible. For small areas, you may choose the complete the sewer cleanup by yourself, but larger areas may require the help of a qualified restoration company. In either case, use these tips on cleaning and disinfecting to make the cleanup process easier.
Visit http://www.SERVPROwestbradentonannamaria.com for more information on water damage.

How do I cleanup after a water loss?

1/8/2018 (Permalink)

If you have a water loss in your home or business it is important to get it taken care of immediately. 

1. The first step is to get the water extracted. Once all of the water is extracted, SERVPRO can begin to get the drying process started. It is critical to make sure all of the water is removed to prevent secondary damages from happening. 

2. Once all of the water is removed, SERVPRO will place the required number of air movers and dehumidifiers. This equipment will be monitored daily to make sure it is working properly. 

3. After the structure is dry, SERVPRO can start the rebuilding process. In most cases, SERVPRO can handle every job from start to finish. 

If you have any questions, feel free to reach out to us at anytime. 

Common Types of Leaks in Water Damaged Bradenton Homes

8/22/2016 (Permalink)

Water Damage Common Types of Leaks in Water Damaged Bradenton Homes If you should ever have a water leak that causes water damage, don't delay. Call SERVPRO, we are faster to any size disaster.

SERVPRO technicians deal with all types of water leaks.


 Leaks are one of the most expensive types of damage that can happen to a home, but also one of the least detected. In some cases it can take months or even years for leaks to cause visual damage, but by that point, it’s too late to take preventative measures. Leaks can weaken structures, waste water, dissolve building materials, creates dangerous compounds, and foster mold growth. These are some of the most common leaks we encounter on a typical residential call, and how they start:


Pipe Leaks


Pipe leaks, in cabinets, behind walls, or anywhere else, are one of the most common sources of water damage.  Pipes are often deliberately placed out of view of occupants, so when one develops a leak, it can be a while before anyone notices. These hidden pipe leaks often occur close to normally dry wood and fabric, and once these are consistently soaked by leaking water, they can lose structural integrity or even develop patches of mold growth. In extreme cases, residents sometimes only learn of these leaks when part of their ceiling crashes down into the living room.


Sink, Shower, and Tub Leaks


These leaks are often much more “violent” and much more noticeable than a pipe leak because they are usually caused by a resident in some way and the leak is immediate. As such, they have less potential for long-term water damage, but can be a big problem, and cause a bigger mess.


Water Tanks and Heaters


When water heaters or tanks leak, the damage can go on for hours until it is discovered, causing severe damage to surrounding objects and materials. It is important to know the age of your water heater and consult with a professional plumber when you should replace your water tank heater. Water tank heaters have a manufacturer’s useful life and if your water tank has not been serviced or ignored for many years, the consequences can be very damaging. If you have concerns about your water heater, we suggest contacting a professional plumber to assist you.


Technicians from SERVPRO of Bradenton are trained extensively in water damage restoration of all kinds, and we feel confident we can handle any water disaster you have. Call us 24/7 at (941) 792-7715 for emergency services or a quote.

Water Damage Requires Professional Clean-Up Now to Prevent Problems Later

8/1/2016 (Permalink)

Water Damage Water Damage Requires Professional Clean-Up Now to Prevent Problems Later At SERVPRO, we are ready for any size water damage emergency.

Many people clean their homes prior to leaving for vacation. They also make sure that all the lights are off, and then also check that all windows and doors are locked securely. Many otherwise careful people fail to shut off the water line at the outside of their home during their pre-vacation preparations. Many times, nothing comes of this, but when it does, the water damage can be substantial. 

Water damage in Longboat Key that results from a broken water line, no matter where the break or leak is located, can cause damage throughout your home. This damage may not only spread across the floor or down the inside of a wall space but from one floor to lower levels, increasing the amount of damage your home experiences. 

Vacationing is only temporary and so should any water damage, if you call for professional assistance upon returning from vacation, homeowners whose home has been water damaged while they've been away are in for a not-so-pleasant surprise. Shutting off the water should be the first thing done if it can be safely accomplished. Standing water can pose an electrical hazard if electrical outlets or wiring are immersed in the water. If you are not sure about your safety, you should have professionals complete the shut-down the electricity prior to shutting off the water. Everyone should remain clear of the water to be safe. 

After the flow of water has been stopped, call in SERVPRO to properly mitigate the water damage for you. Because water can infiltrate porous materials like drywall throughout your home, it is tough to remove completely. The structure water damaged area must have the standing water extracted first. If this is not done properly, warping and deterioration of walls and other structures in your home can quickly occur. Then the absorbed moisture and humidity in the interior environment must be mitigated to acceptable levels. If not, this can lead to not only dangerous structural problems but also the growth of mold and mildew. These can cause health effects in your family members over time. 

What We can do For You 
Our professionals are trained in nothttp://www.IICRC.org/ only the removal of water that can cause damage to your home's interior, but we have training in the IICRC approved drying techniques that are designed for maximum efficiency. After cleaning-up and extracted all of the water, we will begin the drying process and take note of any damage that needs to be restored or repaired. Cleaning-up will continue with removing any debris that is left over from repairs, as well.  

The professionals at SERVPRO of Bradenton has 26 years of experience in responding to water damage emergencies from leaking pipes or plumbing backups. We can respond quickly to any size plumbing disaster. and we can respond quickly. We are available 24/7 so call us at (941) 792-7715 not only fast service but also professional experience.

Anna Maria Water Damage Can Be Restored by SERVPRO

6/7/2016 (Permalink)

Water Damage Anna Maria Water Damage Can Be Restored by SERVPRO SERVPRO of Bradenton is your expert water removal company. We are available 24/7 for all of your dry out needs.

Certainly it is not pleasant to have to deal with flood damage, but here are some practical measures that you can personally implement to reduce the flood and water damage in your Anna Maria home. Before you leave, place furniture, appliances, electronics, and family memorabilia in boxes several feet off the floor level to prevent water damage. Secure food in plastic trash bags to keep them dry and avoid contamination. Shore up all openings to your structure the best you can. Every effort you make to protect your property from rising flood waters, will save you time and money during the water damage restoration process that will occur.

Always have a plan for your pets, should you face a deluge. For instance, if you have to stay in a hotel, at someone's home or in a shelter because of flood damage to your home, they may not accommodate your pets. Be willing to drive your pet to a facility even in the next town or city if need be. Or have a friend as a backup plan on your list that you can call who would be prepared to take your pet. If you leave your pets at your home, they can feel the stress and cause more additional damage to your home. Also, they are potentially at risk if flood waters rise and you cannot return home for several days to feed them.

It is imperative that you shut off the electricity, especially in the areas of your house that are more prone to flooding. If you are planning on evacuating the premises, turn off the electric at its source, the main electrical panel. Do not attempt to deal with this if there is standing water. Call for help from professionals. There is a very high risk of sustaining an electrical shock or worse by you, family members or someone working in a flooded area of your home. If the water has reached the level of the electrical sockets with live current, at best the circuit breaker will short the circuit. Be prepared to call in SERVPRO when the water recedes for water extraction, drying, cleaning, and sanitizing your property. Floodwaters can transport sewage, chemicals, fertilizers, and other substances that are harmful. Electrical appliances such as the furnace, freezer, washer, and dryer can pose real safety hazards during flooding. Unplug them if possible.

Take emergency contact information with you to keep family members and friends informed of your situation. Don't forget the chargers for your mobile devices. Utilize emergency media messages for information and The American Red Cross for shelter. 

SERVPRO is an industry leader in providing post-flooding restoration for commercial and residential properties. With our industry leading equipment, specially formulated cleaning and sanitizing products, and highly trained technicians who are instructed beyond the IICRC standards, we can help. From a quick emergency response to water extraction and drying and cleaning, we can restore your water damaged home to pre-flood condition "Like it never even happened."


Locally Owned Company with National Storm Resources


As a locally owned and operated business, SERVPRO of Bradenton is strategically located to respond quickly to your water or flood damage event. We proudly serve our local communities of Bradenton, Longboat Key, Palmetto, Anna Maria Island, and Bradenton Beach.  Call us for immediate response to mold, fire, and water damage 24/7 at (941) 792-7715

The Difference Between Flood Claims and Water Damage Claims in Longboat Key

4/6/2016 (Permalink)

Water Damage The Difference Between Flood Claims and Water Damage Claims in Longboat Key Water Damage and Flood Damage are NOT the same and are covered differently under your insurance policy - if at all. Check your policy.

After experiencing water damage, you may be left wondering what your options are. In most cases, you should make sure that you fix all water damage as quickly as possible. Once you have done this, you can then proceed to file for claims. Fixing your home immediately can prevent problems from getting worse due to mold or decomposition. However, afterward you will still need to deal with the consequences of the bills. For some homeowners, it may be possible for insurance to cover some of the losses. However, many homeowners insurance policies do not always come packaged with flood insurance. To provide assistance, this will take a look at the differences between flood insurance and water damage claims.


Water Damage Claims
After experiencing water damage, your first impulse was probably to call your insurance company. Hopefully, you haven’t done this yet. There is a big difference between water damage and flood insurance. Water damage can be caused by storms, accidents, or bursting pipes. These claims are only valid when water damage is associated with water that did not first touch the ground (such as lakes, ponds, & rivers). This means that water coming from a regular thunderstorm or tornado, plumbing, or appliance is usually covered under water damage claims. In contrast, a flooded lake or stream that inundates a person’s home is not covered.


Flood Insurance
It is important to keep in mind that flood insurance is a special form of insurance contract. It does not automatically come with a standard homeowners insurance policy. In almost all cases, individuals have to purchase   flood insurance separately from homeowners insurance. Since many homeowners are not aware of this, homeowners are often outraged when they discover that their insurance contract does not cover flood damage. Flood insurance is generally available for just a few dollars each month. Without this insurance, homeowners can not expect to have any damage associated with flooding covered under their homeowners insurance policy.


Implications of Denied Coverage
If an insurance company declines your application to cover water damage, it could still have a big impact on your monthly insurance rates. Insurance companies can take advantage of information in your claims application to increase your monthly insurance bills. It is not uncommon to see insurance companies viewing homes that have experienced flood damage as high risk. As a result, they have the right to appropriately increase your monthly rates according to this information.


The reality that your insurance rates could increase after being denied coverage makes it even more important to understand the difference between flood damage and water damage claims. Many individual homeowners make the mistake of filing claims for costs associated with flood damage, only to find that these costs are not covered. When the bill comes the next month, there is nothing that homeowners can do to bring their rates back down. Therefore, it is important to only file a claim if flood damage is explicitly covered in the homeowners insurance contract. In some cases, it may even be recommended for homeowners to work with an attorney to ensure that it is appropriate to file a water damage claim.


If you have questions about your coverage, we strongly advise you to contact your insurance agent and review your policy. What incidents and perils are you covered for? What are your deductibles? At SERVPRO of Bradenton we are here to help you in any we can.