Will I lose Coverage After Making A Claim On My Home Owner’s Insurance?

We get asked all the time if making a claim on your homeowner’s insurance raises the chances of getting dropped from coverage. Unfortunately, no matter who you ask, there’s no clear answer to that question. Even insurance adjusters and agents can’t say one way or the other. The good news is that we’ve seen a lot of different situations over the many years we’ve been in business, and we can share the facts that we do have with you.

If your Cary, Apex, Raleigh, Durham or Chapel Hill home has serious damage due to fire, wind, or water, call us immediately at 919-467-1991. We will show up soon and work fast to stop any further damage and begin the restoration process. We can work with your insurance company to make sure you pay as little as possible. We’re available around the clock, 7 days a week.

What makes answering this question so difficult is how many situations we’ve seen that seem to be in direct opposition from one another. Some of our customers have made multiple claims for water damage in just a few short years, and still haven’t been dropped from coverage. Other customers, who had been with their insurance companies for over twenty years, have been dropped after a single, reasonable claim. Why these two scenarios played out the way they did is based on a mathematical formula, which is a total mystery known only to the insurance companies.

A well reasoned but unverified hypothesis on why this happens is that insurance companies break their clients into geographical sections, like neighborhoods, or towns. If one particular section happens to be over insured and could cost the business money in the event of a claim, they may start cutting costs any way they can, even if that means cutting off long-term, loyal customers. If that’s the case, then you get dropped from coverage has almost nothing to do with you or your home.

What we can say for certain is that multiple claims within 2-3 year period will raise your chances of getting dropped, but there’s no guarantee that it will happen. In the event that it does, though, it may be a blessing in disguise. Occasionally we hear from our customers that after getting dropped, they found better rates from a competing insurance company. Since they weren’t actively shopping around, they would never have found out about the opportunity for saving money had they not been dropped in the first place.

If there’s ever any kind of damage to your home that you think warrants an insurance claim, it’s recommended that you contact a professional. We’re available 24/7 through our emergency hot-line at 919-467-1991. Our trained and certified professionals will be able to determine the severity of the damage and work with your insurance company to keep your out of pocket costs to a minimum. As licensed contractors, we’ll not only be able to rip out all of the damaged drywall, and any other affected structure, we can rebuild your home as good as new.

Will My Insurance Cover Water Damage Caused By A Running Faucet?

If your home has serious damage due to fire, wind, or water, call us immediately at 919-467-1991. We will show up soon and work fast to stop any further damage and begin the restoration process. We can work with your insurance company to make sure you pay as little as possible. We’re available around the clock, 7 days a week.

If a sink or bath tub faucet is left running accidentally, and water spills over the edge, don’t worry. This happens much more often than you might imagine, and it’s almost always covered by your homeowner’s insurance. Nearly every homeowner’s insurance policy includes coverage for sudden and accidental loss, which is exactly what water damage from a running faucet is considered to be.

It doesn’t matter whether or not it was your own fault or that of a small child playing on his or her own. We recently responded to two calls that involved an unattended running faucet, each with their own unique circumstances.

The first was a woman who was running water on frozen chicken in her sink when an emergency phone call distracted her from the task at hand. When she returned to the kitchen, the sink was full, and water was all over the floor. After she called PRS, we dried out her kitchen, and determined to serious damage was done, and that she didn’t need to file a claim with her homeowner’s insurance at all.

The other situation was quite a bit different. A family with a small child had gone out to dinner for the evening without realizing the child had been playing in the bathroom upstairs unsupervised. The tub was plugged, and the water was running for close to 5 hours. When the returned home, the entire living room ceiling had collapsed. After assessing the damage, we negotiated with the insurance company and began working on the damage. It was a lot of work, but we were able to dry the water soaked home and rebuild the floor and ceiling. When we were finished, everything looked as good as new.

If there’s ever any kind of water damage to your home, it’s recommended that you contact a professional. We’re available 24/7 through our emergency hot-line at 919-467-1991. Our trained and certified professionals will be able to determine the severity of the damage and work with your insurance company to keep your out of pocket costs to a minimum. As licensed contractors, we’ll not only be able to rip out all of the damaged drywall, and any other affected structure, we can rebuild your home as good as new.

What Tools To Use For Finding Water Damage In Your Home?

If your Cary, Raleigh, Durham or Chapel Hill home has serious damage due to fire, wind, or water, call us immediately at 919-467-1991. We will show up soon and work fast to stop any further damage and begin the restoration process. We can work with your insurance company to make sure you pay as little as possible. We’re available around the clock, 7 days a week.

We’re often asked what kind of tools we use to locate and measure water in walls, floors, or any other part of a house that’s been flooded. Since it’s not always easy to spot places with water with just the naked eye, we have specialty tools designed to do the spotting for us.

The first tool we use is called a FLIR gun (forward looking infra-red), which has a digital screen that uses colors to show different temperatures on a surface. The FLIR gun is aimed at a surface of a potential wet area, and the warmer areas show up as red, and colder areas show up as blue. The sensors are incredibly sensitive and detect even a fraction of a degree difference. Why is temperature relevant to water? Well, as water evaporates, it cools the surface it’s evaporating from. If we see that there’s an area of a floor or wall that’s slightly cooler than the rest, it’s likely that there’s a bit of water in there.

To confirm, we use another tool called a moisture meter. It’s a small handheld device that has metal prongs that point out of the end. When placed against a surface, a small electrical current is passed through, and the resistance is measured. This allows it to accurately measure the moisture in surfaces, even as deep as an inch or two, depending on the material.

All surfaces will report a small level of moisture in them, even if no water damage is present. A wooden table top or section of drywall may report 5-10% moisture, but that’s normal. When the numbers come back much higher than that, it’s clear there’s a serious problem.

These tools are rather expensive, ranging between $500-$1000 each. You won’t find them at your local big box hardware store, either. If there’s ever any kind of water damage to your home, rather than try to buy these tools and handle it on your own, it’s recommended that you contact a professional. We’re available 24/7 through our emergency hot-line at 919-467-1991. Our trained and certified professionals will be able to determine the severity of the damage and work with your insurance company to keep your out of pocket costs to a minimum. As licensed contractors, we’ll not only be able to rip out all of the damaged drywall, and any other affected structure, we can rebuild your home as good as new.

 

How Long Does Water Damage Restoration Take?

If your home has serious damage due to fire, wind, or water, call us immediately at 919-467-1991. We will show up soon and work fast to stop any further damage and begin the restoration process. We can work with your insurance company to make sure you pay as little as possible. We’re available around the clock, 7 days a week.

In this industry there is almost no such thing as typical or normal. Each and every job we do is unique, and no two are ever the same, which makes giving someone an answer to this question challenging. On average, it can take 3-4 days, but there are many exceptions to that rule.

How long a water damage restoration takes will depend on many contributing factors, such as

  • The types of flooring and wall material
  • How wet everything was at the peak of flooding?
  • How much moisture is currently in the house?
  • How many rooms are affected?
  • Was the water damage ongoing, or was it a sudden event?

The short answer is that the longer water sits, the longer it will take to dry. In the event of a sudden leak of a washing machine, dishwasher, or water heater, and we arrive within hours to start the drying process, it may only take 2 days. On the other hand, and ongoing leak under the kitchen or bathroom sink that’s been soaking into the house for 6-12 months can take a week or more to dry properly. In some scenarios, special methods can sometimes be used to accelerate the process, like removing rotted wood, but those can only be address on a case by case basis.

If there’s every any kind of water damage to your home, it’s recommended that you contact a professional. We’re available 24/7 through our emergency hot-line at 919-467-1991. Our trained and certified professionals will be able to determine the severity of the damage, and work with your insurance company to keep your out of pocket costs to a minimum. As licensed contractors, we’ll not only be able to rip out all of the damaged drywall, and any other affected structure, we can rebuild your home as good as new.

Can Water Damage To Furniture And Appliances Be Repaired?

If your home has serious damage due to fire, wind, or water, in the Cary, Raleigh, Chapel Hill or surrounding areas call us immediately at 919-467-1991. We will show up soon and work fast to stop any further damage and begin the restoration process. We can work with your insurance company to make sure you pay as little as possible. We’re available around the clock, 7 days a week.

Most of the time it, whether or not a piece of furniture or a household appliance can be repaired after a flood depends on the value of the item in question. It’s also important to understand that when you make a claim on your homeowner’s insurance for water damage, the insurance company will split the claim into two portions. The first is damage to the structure of the home, the second is for its contents. While both portions will be paid for by the company, they will be paid for separately.

Before the insurance company will write a check, they will want to look at each piece and assess the value of the item, along with an estimate for repairing the damage. A couch that’s worth $600-$800 will almost certainly be replaced, rather than reupholstered. An antique piece of furniture that has a lot of sentimental value, however, may be worth restoring.

In regards to electrical appliances, water can do very serious damage that is very difficult to repair, and they very rarely have any sentimental value. It’s almost always a better idea to replace them, rather than spend money trying to fix them, and have them malfunction in the near future.

If there’s ever any kind of water damage to your home, it’s recommended that you contact a professional. We’re available 24/7 through our emergency hot-line at 919-467-1991. Our trained and certified professionals will be able to determine the severity of the damage and work with your insurance company to keep your out of pocket costs to a minimum. As licensed contractors, we’ll not only be able to rip out all of the damaged drywall, and any other affected structure, we can rebuild your home as good as new.