2 Things to Know About Flooding

8/12/2019 (Permalink)

Flood damage isn't covered by your standard homeowner's insurance, so be sure to purchase flood damage!

Although we don’t have severe flooding very often, it is possible, as we learned back in June. Besides the obvious destruction it causes, we’ve discovered that many of our customers aren’t aware of how floodwaters can be a major problem. In reality, flooding can potentially be one of the most expensive types of disasters your home or business can have.

1. Flood damage is not covered under your standard homeowners’ insurance.

Back during the June flooding, hundreds of customers called us for our services. Unfortunately, flood damages can be costly to clean up and restore, and it quickly became apparent that many homeowners incorrectly assumed their properties were covered under their insurance.

Insurance companies flood policy to protect your home from flood damages, but these are separate from your homeowners’ policy. There’s also a 30-day waiting period for your benefits to kick in, so you can’t buy it a day before you expect to need it. That’s why we highly recommend you call your insurance company and see what flood insurance policies they have available!

2. Floodwaters can be dangerous to your health.

There are 3 categories of water damage; each determined by the health risk it poses to humans. Clean, potable water is classified as Category 1 water damage, grossly unsanitary water (such as water from the septic system) is classified as Category 3 water damage. Damages involving floodwaters are also considered Category 3 water damages.

When our team deals with this type of water damages, we have to take extra precautions to protect our health. For example, we have to wear personal protective equipment (PPE), porous materials must be removed, and those with compromised immune systems must evacuate.

Why is floodwater so dangerous? Because it likely carries sewage and chemicals, which in turn brings a variety of pathogenic agents. It’s never a good idea to underestimate the health risks floodwaters can bring.

Restoring Your Flood-Damaged Property

Despite the dangers that flooding presents, your home or business can be restored. Our team here in Lenoir has 10 years of experience helping customers recover from disaster. If your home has flood damage and you need professional help, call us any time at (828) 396-1070!