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Fire & Water - Cleanup & Restoration

The Importance of Flood Insurance

8/3/2020 (Permalink)

water damage from ground water coming through the foundation after a heavy rain storm Storm damage in Woburn, MA

Flooding at your Woburn, MA, home can cause serious damage. Fortunately, flood insurance can help you recover.

Flood Definition

Many homeowners think of flooding as any instance of water damage, whether from roof leaks, plumbing issues or malfunctioning appliances. Water damage from such events is usually covered under homeowners’ insurance. However, insurance companies define flooding as water inundation affecting two or more acres or properties and caused by one of the following:

  • Mudflow
  • Accumulation of surface water
  • Overflow of a body of water

When a water damage event meets the above conditions, it will not be covered under homeowners insurance. Only flood insurance covers flood damage. Talk to your insurance agent to make sure you have the right policy and coverage limits for your property.

Flood Restoration
Whether you are paying for the restoration process from an insurance payout, out of pocket or from another source of funding, it is important to begin cleaning up quickly. Standing water can lead to mold damage in as few as 24 hours. Be sure to take photo or video evidence of the flood damage before you begin cleaning up. This will help your insurance company properly assess the damage. Then dry out the property. Use buckets, pumps or specialized vacuums to extract the standing water. Run fans and dehumidifiers to dry out remaining moisture. Next, disinfect all affected items. There is a variety of cleaning products on the market. Choose one that is appropriate for the item you are cleaning. Do not keep any items that cannot be properly cleaned. When everything is clean and dry, repair and replace the damaged items. Some repairs you may be able to do yourself. However, more delicate items, such as antiques and electronics, may need to be professionally restored.
If your home suffers flood damage, you may feel overwhelmed by the cleanup process. Fortunately, adequate flood insurance and a qualified restoration company can help you get your home back to normal quickly and safely.

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