Cleveland OH (PRWEB) April 16, 2012
Restoration Local, one of the leading providers of water removal and mold damage services in the United States, is offering tips and suggestions for handling insurance issues in the wake of water or mold problems to commercial and residential properties.
Mold damage is, as a rule, excluded from virtually all home insurance plans, however there are other damages that are normally not covered by homeowners’ policies. Among the list is normal wear and tear on the home, water or mold damage as the result of poor maintenance, standing or surface water, or construction mistakes or defects such as nails being driven into water pipes. It is important for homeowners to be aware of what is and is not covered by their policy.
If water damage is found, it is important to stop the leak as soon as possible, and then notify the insurer immediately. Some insurance companies will not cover damage that is allowed to fester, and many policies specify that damage must be reported within a 48 hour window.
The insured should find out what is required of them. Most policies require a prompt, written notice of the facts surrounding the claim, take appropriate steps to protect the property from further damage, performance of necessary repairs, and keeping an accurate record of expenses. Homeowners should also have a video or photo inventory of the damage.
Property owners should also refrain from making large scale repairs until the insurance company has inspected the damage and given authorization to do so.
It is important for the area to be stabilized, if not repaired. Standing water should be removed and the area dried, and water soaked materials should be taken out for repair elsewhere. Undamaged items should also be removed to keep them from being damaged. An activity log should be kept, detailing all work performed and communication with the insurance company.
All receipts should be kept, as proof will be required for purchase of replacement and repair items. Damaged materials should not be thrown away until released by the insurance provider.
Navigating the water damage insurance scenario can be difficult, and organization and attention to detail will be the key to success.
Based in Cleveland OH, Restoration Local is one of the leading providers of water damage and mold removal services, with providers in 30 states. They are available 24/7 and all work is guaranteed.
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