Flood damage isn’t something homeowners deal with often. Unlike “routine” services like a plumber or carpet cleaner, it’s fortunately very rare when you need a flood damage company like us. But because it isn’t very common, it’s also very confusing to most homeowners. And you can only imagine how much stress is added to the equation when you’re dealing with an emergency event like substantial flooding. Many people have no idea where to turn or what actions to take. In some cases, that can lead to paralysis. In other cases, it can lead to making poor decisions that can either put your health and safety at risk or cause you significant financial hardship down the road. We always tell people in your situation that it’s a good idea to ask as many questions as possible as soon as possible. That goes for any flood restoration service company you are talking to, your insurance adjuster, or anyone else that might be involved in the recovery process.
Here are the most common questions we get from home or business owners that have experienced significant flooding damage to their property. If you find yourself in their shoes, you’d be wise to make sure you have the answers you need to make the best decisions to protect yourself, your family and your bank account.
Does my homeowners insurance cover flooding?
This depends on your policy. Homeowners insurance typically covers flooding due to internal plumbing or roof issues, but you would need special flood insurance for cover for storm flooding, usually. If your home is located within a flood zone, then you likely are covered. Colyer Services have experience insurance adjusters to help identify your coverage, and see to it that your claim is paid!
What should I do immediately to protect my safety?
During a flood event, your life is at risk from a number of dangers. Obviously rising water levels and quickly moving water can cause drowning, but there are other dangers you should be aware of. If it’s the case you find yourself unable to leave your home due to the rapidly rising water levels, seek the highest position in your home possible. If you live in a 2 story home, go to the second story and call for help. If you’re unable to stay dry, it’s important you turn off the electricity to your home as well as your gas. In some instances, electrocution or gas leaks can occur due to flooding.
Who should I call to help me?
If you’re in danger, always call 911. If the danger has subsided but you don’t know where to turn, you have a variety of resources. Locally, you may have some non-profit organizations that can help you put the pieces back in place and begin the recovery process. The Red Cross is always a good resource in the event of a natural disaster. They typically put employees and volunteers on the ground after large-scale flood events to help people in your situation.
If you do have flood insurance and aren’t sure what to do, we would encourage you to call us to begin the process of assessing your loss. It’s probably a good opportunity to remind you that costs for our services are dictated by your insurer. So as long as you hire a company that is using Xactimate, such as Colyer Services, to estimate the cost of your flooding damage cleanup services, that company is going to ultimately work with your insurer to determine the cost of the loss. We say that to remind you that you don’t need to worry about whether or not the cost of your loss will be covered by your insurer. Sometimes people wait around for their adjuster to take the lead on the claim, and when there has been a major flood event, they’re often overloaded with claims and can’t get to you in a timely fashion. That means your property ends up with even more damage to it, and not to mention the risk of health hazards increase as your property sits waterlogged.
How much will it cost?
It’s impossible to say. Every property is unique and every situation differs. What does remain constant is the unit cost of every single item that must be replaced and every action that must be taken by whichever restoration company you hire.
If you have a flooded property, contact the Emergency Response Team at Colyer Services right away
Tampa – 813-734-2552
Sarasota – 941-201-8520
Orlando – 407-388-8800