Water Damage vs. Flood Damage: Understanding the Differences and Insurance Coverage

Absolutely. All our technicians are IICRC certified, ensuring that every service provided meets the highest industry standards.

Depending on the cause of the water damage, homeowner's insurance may cover the costs. However, coverage varies, and policyholders should consult their insurance providers.

Most homeowners’ policies cover most water damages, but not all water damages are created equal. There can be a lot of exceptions to coverage depending on the intricacies of your policy. This is why it’s a good idea to be familiar with your policy and call your agent immediately when damage occurs.

A good portion of water damage can be prevented by proper household maintenance. Routine plumbing maintenance, sump pump, and appliance maintenance are effective ways to avoid preventable damages. Preparing your home for the winter can also help avoid damage if you live in a cold climate. Finally, it’s a good idea to regularly check the exterior of your home, particularly your roof, for damage to ensure water isn’t unexpectedly leaking into your home.

Mold prevention is a crucial part of our water damage restoration process. We use advanced dehumidifiers and air movers to thoroughly dry affected areas and prevent mold growth. If mold is already present, our team will carry out professional mold remediation to ensure your environment is safe and healthy.

Water damage restoration duration can vary based on several factors, including the extent of the damage, the type of water involved, and the specific restoration processes needed. Here's a general overview:

1. Assessment and Inspection:
   • Time Frame: Within the first 24 hours.
   • The restoration process begins with a thorough assessment of the water damage. This includes identifying the source, categorizing the water (clean, gray, or black), and assessing the affected areas.
2. Water Extraction and Drying:
   • Time Frame: 2 to 5 days (depending on the severity).
   • The extraction of standing water is a critical step. High-powered pumps and vacuums are used to remove excess water. After water removal, industrial-grade dehumidifiers and air movers are employed to dry out the affected areas.
3. Cleaning and Sanitizing:
   • Time Frame: 1 to 2 days.
   • Once the area is dry, cleaning and sanitizing procedures begin. This involves disinfecting surfaces, removing debris, and ensuring that mold growth is prevented.
4. Restoration and Repairs:
   • Time Frame: Variable (can range from a few days to several weeks).
   • The final phase involves restoring the property to its pre-damaged state. This may include repairs to damaged structures, replacing materials, and addressing any cosmetic issues.
5. Monitoring:
   • Time Frame: Ongoing during the process.
   • Throughout the restoration process, monitoring is crucial. This ensures that the drying and restoration efforts are effective and adjustments can be made if needed.

It's important to note that immediate action is key in water damage situations to prevent further damage and mold growth. The above time frames are general estimates, and the actual duration can be influenced by the specific circumstances of each case.

If you're facing water damage, it's recommended that you promptly contact a professional restoration service, like CORE TEAM Inc, to assess the situation and initiate the restoration process as soon as possible.

That depends on the types of materials that were affected by water. Drywall, carpet, and hardwood floors will take longer to dry than other materials in the space. We use moisture meters throughout the process and in many different locations to gauge the moisture levels and will continue to adjust our fans and dehumidifiers to achieve an efficient but effective dry time. The bare minimum of "three days to dry" may only produce a surface dry but can still leave behind moisture levels that create an ideal environment for mold to grow.

Determining the cost of water damage restoration is complex and depends on various factors. The extent of the damage, the type of water involved, and the affected areas all play a role in estimating the overall cost. Here are key considerations:

Factors Influencing Water Damage Restoration Costs

1. The Extent of Damage:
   • Why?  The more extensive the damage, the higher the restoration costs.
   • Professionals assess the affected areas to determine the scope of damage, which includes structural issues, damaged materials, and the spread of water.
2. Type of Water:
   • Why?  Clean water (Category 1) is less expensive to mitigate than contaminated water (Category 2 or 3).
   • Restoration professionals identify the water source and categorize it to assess the level of contamination and required precautions.
3. Affected Areas:
   • Why?  The areas affected, such as walls, floors, ceilings, and belongings, impact the overall cost.
   • Restoration experts evaluate each affected space, considering the materials involved and the necessary restoration processes.
4. Drying Time:
   • Why?   Swift drying is crucial to prevent mold growth and additional damage.
   • Industrial-grade dehumidifiers and air movers are used to expedite the drying process, but the duration may impact costs.
5. Restoration and Repairs:
   • Why?  The need for structural repairs and material replacements contributes significantly to costs.
   • Professionals conduct thorough repairs, ensuring the property is restored to its pre-damaged condition.
6. Prevention of Future Issues:
   • Why?  Taking measures to prevent future mold growth or water damage may be an additional cost.
   • Restoration companies may offer preventive services, such as mold prevention and improved ventilation.

Average Costs

• Minor Water Damage:
  • Cost Range: $1,000 to $4,000
  • Limited damage, typically confined to a small area.
• Moderate Water Damage:
  • Cost Range: $5,000 to $10,000
  • Wider damage affecting multiple rooms, potentially involving structural elements.
• Severe Water Damage:
  • Cost Range: $10,000 and above
  • Extensive damage requiring comprehensive restoration, including major repairs and replacements.

Professional Consultation

CORE TEAM Inc provides detailed estimates after assessing each customer's specific situation. These estimates usually include costs of labor, equipment, materials, and additional services. It's crucial to contact a professional restoration service, such as CORE TEAM Inc, to assess the damage and provide an accurate estimate based on the unique circumstances of your situation. Swift action will also help minimize the overall restoration costs.

Water damage insurance claims depend on a few different criteria. Ultimately, that's a question you'll have to clarify with your insurance company. However, we can tell you that the viability of water damage insurance claims depends primarily on what caused the damage (storm, burst pipe, plumbing malfunction, localized flood, sump pump failure, etc.). Some insurance policies will outline scenarios that will NOT be covered without specific riders, like flood insurance or sump pump failure insurance.

Contacting a restoration contractor and your insurance adjuster at the same time is a good idea because the restoration contractor will help ensure that the water extraction and dry out and the rebuild process that should follow. If the full scope of the claim isn't outlined and agreed upon from the start, there may be issues down the line, and property owners may have to pay out of pocket to get the property completely back to normal.

Most homeowners start trying to remove the water themselves before they realize they'll need to contact their insurance company about a claim so they can call in a water damage restoration company. However, standing water around anything with a power cord or outlet or sagging ceilings makes the area unsafe. Also, many insurance claims require documentation of the loss BEFORE any work is done, including removing the water. Always take plenty of photos of the damage you see before taking any action to start cleaning up the mess. Your restoration contractor will also be able to back up your insurance claim scope with the necessary technical documentation.