Flood damage occurs when water invades your home or business causing damages to the interior or exterior of your property. While flood damage is often associated with flash flooding and heavy rains, often times flood damage can occur without one single drop of rain! Having a public adjuster examine your damages can help you get the most fair settlement on your insurance claim.
One of the most prevalent forms of flood damage is caused by plumbing issues in a home or a business. This can be caused from broken or leaking pipes, backed up sewage systems or damaged pumps, clogged drip pans, amongst other things see our article on water damage for more information.
Whether your home or business has been affected by natural flooding or flooding resulting from plumbing issues there are several things that exacerbate the initial damages caused by the flooding. There are things that property owners should also consider.
Of all of the damages caused by flooding the most costly comes in the form of a living organism known as mold. After flood damage occurs the moisture trapped under the carpet and in the walls, becomes a haven for mold. Black mold can be toxic and harmful to your health and the health of your pets. If left untreated, mold can grow and release its spores into your air conditioning and ultimately into your lungs. You might not notice mold at first, but usually it is accompanied by a strong odor. By then, it is too late.
Flood damage can also ruin wood, causing it to swell and push out nails that hold your structure together. This will allow for animals and insects to infiltrate your home. Rotting wood is home to termites, cockroaches and other despicable little creatures like rodents that eat these insects. Having your home inspected after a flood, whether natural or plumbing related can help you rest assured that your home and family are safe and that your property is protected.
If you experience a natural flood or have a plumbing issue, call on Randell Smith, State Public Adjuster. Randell will inspect your home and notify you of any damages that might be obvious and others that are only discoverable by the trained eye. Randell works for the insured, not the insurance company. You can be certain that your home or property will be carefully inspected and that every detail Randell uncovers will be disclosed to ensure that you get the most equitable settlement on your insurance claim.