Water Damage
Water damage, whether it is from a broken pipe, or even an upstairs neighbor’s washing machine leaking into your property can cause mold growth. Water can damage the contents of one’s home (personal property), and/or destroy wood flooring, tiles, sub-flooring, wooden frames, drywall, and cause extensive damages to your property.
Fire Damage
A small kitchen fire due to faulty electrical wiring can create a great amount of damage to your home or business. Smoke can flow throughout an entire building penetrating almost any kind of structure causing hidden odors and damage. The fire repair process consists of deodorization, soot removal and smoke removal. That tedious and expensive recovery shouldn’t be paid by the policyholder. If the damage is covered by the Policy, then the insurance company has to pay.
Flood Damage
Floods are the # 1 natural disaster in the US with damage claims in excess of $1 billion dollars per year. Floods can be a by-product of excessive rain brought on by a hurricane or tropical depression, sewer or drain backup, or a broken water main. Homeowners who have suffered damage due to a flood need quick answers on insurance coverage to begin the restoration process.
Hurricane/Wind Damage
In the case of a windstorm or hurricane, a professional inspection is recommended. The integrity of your home or building may be compromised in a manner which may not be evident. The roof may originally appear undamaged until a throughout inspection has taken place. Portions of the roof may have separated or lifted during the storm causing water to enter into the structure’s cavities.
After the wind has phased out and the roof covering has settled, the roof may appear undamaged. However, the roof membrane is often damaged, tiles are frequently loosened, and afterward the lifespan of the roof may be severely shortened. The window and door systems can also be damaged by the wind.
Even though glass is not shattered, it may be significantly scratched. Window and door frames may be deflected, and seals may be broken. This may call for the repair or the replacement of these systems. If undetected, this type of damage may later cause problems when it is no longer possible to make a claim for recovery.
Mold Damage
Mold damage that occurs as a result of flooding, a broken pipe or other water-related issues can cause affect your health and/or that of your family and damage your property without your knowledge. Mold damage occurs in the moist, dark areas of your home or commercial property.
As mold spreads, it can release spores that pollute the air and make their way into air ducts, triggering allergic reactions in sensitive people. Mold in homes can cause a variety of other serious health issues. Mold is the enemy of a home’s structure and value.
There are severe cases of mold infestation that can render your home unsellable. If you suspect mold in your home don’t hold off on getting it checked out!