Do I Need Flood Insurance For My Home

Do I Need Flood Insurance For My Home

A flood is the nation’s most common and even the costliest kind of a disaster. According to the Federal Emergency Management Agency (FEMA), homeowners suffer thousands to millions of dollars in flood-related damages annually. While it is already apparent that if you live in an area near a lake, ocean, or river you are at a high risk of flooding, but properties or homes that are situated far from water can also be prone to flooding. 

Many conditions can cause flooding; such as heavy rains and hurricanes. But there are also other internal causes of flooding in homes, such as burst pipes or spring thaws. Whatever the cause is, flooding can result in extensive water damage to your home and its contents. Water can seep into building materials and compromise the structural integrity of your home; which can result in costly flood damage repairs and restoration. Homeowner’s insurance does not protect you in the event of a flood. It simply means that you are on the hook for every type of damage flood caused to your home. But with flood insurance, restoration costs can become more manageable and you can provide additional protection in case your home suffers from flood damage.

For some homeowners, flood insurance is a requirement. But, if you are living in a low-risk area, you might be debating whether buying flood insurance is worth it as it involves money. So, if you are in dispute about whether you should flood insurance for your home, then you have to continue reading to know other facts that can help make up your mind. 

 

What Is Flood Insurance Policy?

Flood insurance policies are separate insurance policies that a homeowner can buy to provide additional protection in the event of a flood. Homeowners purchase this because the standard homeowner's insurance policy does not cover flood damage. 

In some cases, you may need to purchase flood insurance. According to FloodSmart.gov, if your home is located on land that has a high risk of flooding, your lender might require you to have flood insurance. But, if you live in an area not included in a FEMA flood zone, then it is just up to you if you want to purchase it or not. 

However, even if your home might not be prone to flooding, you still have some risks. According to FEMA, all 50 states in the U.S. have suffered from floods, and that 20% of insurance claims come from the moderate-to-low risk areas. So, flood insurance can protect you in case your home sustains flood damage. 

 

What Is Covered In Flood Insurance

Aside from knowing the definition of flood insurance, knowing its coverage can also help you decide whether you have to buy flood insurance or not. According to FEMA, a flood insurance policy can cover damage to the structure of your home and your personal belongings. Here are some examples of what this additional protection covers;

  • Contents Coverage

Flood insurance pays out the actual cash value of the contents of your home, taking depreciation into account. It can cover damage to your clothing, furniture, curtains, electronics, and some portable appliances and important valuables like art. 

  • Property Coverage 

Flood insurance covers the physical structure of your home as well as its foundation, electrical systems, plumbing, HVAC systems, cabinets, paneling, and a detachable garage. It typically pays out based on replacement cost (the total amount it would take to repair or replace the damaged property in today's dollar) for a primary residence. The maximum coverage limit is $250,00. 

On the other hand, flood insurance does not cover everything. So, before buying, it is also necessary to know the limitations specified in your policy. Yet, this policy can cover a large amount of damage, which is better than paying the entire cost for flood restoration. 

 

Do I Need To Buy Flood Insurance For My Home?

If your home is in a high-risk area, you may need to have one. But, if your property is considered low-risk, the decision of getting flood insurance is in your hands. You should weigh your risk of flooding against the cost of your home and its contents. Make an inventory of your home, so you know the value of your home and its contents. Remember not only to consider major floods because even an inch of water can cause serious damage to your home. 

If you are thinking of purchasing flood insurance, talk to an agent so you can have a better understanding of its coverage and cost. 

 

For Professional Water Damage Restoration Services, Contact Superior Restoration!

If your home sustains damage due to flooding, contact Superior Restoration professionals immediately. We have experienced and skilled professionals ready and equipped to handle any case of flood damage restoration. We offer 24/7 emergency services. Call us today!

 

The benefits of hiring water damage restoration company

The Benefits Of Hiring A Professional Water Damage Restoration Company

Once the water has entered your property, it doesn’t take long for it to cause significant water damage. Water can seep into porous building materials like drywall and ceilings. When this happens, it can weaken these materials and compromise the structural integrity of your home. Mold will then begin to thrive in these areas and cause additional damage to your home. This is the type of damage restoration professionals can mitigate. They are equipped, knowledgeable, and trained to deal with all kinds of damage water can do. 

What Is Water Damage Restoration

Water damage restoration is the process of restoring water-damaged items to their original condition. This involves assessment and evaluation of the affected materials, emergency mitigation, cleaning up, and drying of water-damaged contents.  

Water damage restoration might sound simple but the process is more than just cleaning and drying.  Restoring properties is often challenging and delicate.  The water involved may contain contaminants and pathogens that are harmful to humans. Exposure to this type of water may lead to serious health problems and even death. Simple surface drying may lead to mold and fungi growth. Porous materials like furniture, carpet, and drywall could hold up water even after drying its surface. As a result, mold will begin to thrive and cause further damage to your home as well as affecting the indoor air quality of your living space.

That being said, water damage restoration should not be treated as a “profession” that anyone can do. It is a job that requires thorough and proper methods. And, there is no better option than hiring professionals. 

The following are the major benefits of hiring a professional water damage restoration company

 

The Benefits of Hiring A Professional Water Damage Restoration Company

Fast Response and Experienced Professionals

When it comes to water damage, time is of the essence. It is vital to perform water mitigation at the earliest time possible. 

Restoration companies are reliable and quick in action. They will immediately come on-site and perform emergency repairs to prevent water from causing more damage to your home. Also, restoration professionals have enough experience and proper training. They are skilled in performing the entire restoration process in a quick and efficient manner.  

With Proper Equipment

Restoring water damaged homes is tedious and sometimes a delicate process. The process should be thorough to ensure that there are no hidden problems that can lead to additional water loss.

Water damage restoration companies utilize professional-grade and state-of-the-art methods. The drying process is often the most challenging task in the restoration process. But a professional restoration technician will see to it that he has the most advanced drying equipment. An expert won't miss a thing.  

Proper Insurance Claim Assistance

Professional water damage restoration companies work with almost all insurance companies. They also have enough knowledge of the insurance policies. Thus, they can give proper assistance to homeowners filing losses and to get a good settlement amount from their insurance provider. At the same time, professionals can help in providing pieces of evidence in case of disputes with the insurance provider. 

Thorough Restoration Services

A water damage restoration company like Superior Restoration Temecula will not send out professionals only to inspect the damaged area. These professionals will perform the entire restoration procedures; from assessment to planning and from cleanup to restoration. They will provide complete restoration services. So, a homeowner won’t have to look for other professionals to fix a certain task. 

Mold Growth Remediation

Mold growth is a big challenge a homeowner will face after a water event. Spores can spread quickly and seep into hidden areas like walls and ceilings. Mold does not only damage your home but it can also be a cause of concern. It can pose some serious health risks like allergies. Restoration professionals have enough knowledge to deal with these molds.  Furthermore, they use the most advanced methods of safely removing molds from your home and preventing them from causing more damage. 

With these and more benefits, it is recommended that you hire a professional water damage restoration company. A certified and reliable water damage restoration company will help you get back on your feet in the quickest way possible. They will also ensure that your home will be back to its original condition. 

Water Damage Restoration Temecula

We are a certified restoration company that offers quality cleanup and restoration services. We value your properties thus rest assured that we will work efficiently and diligently to ensure that your living space is back to its pre-damaged condition. To know more about our restoration services, contact us today.

myths about restoration services

Common Myths About Restoration Services

There have been plenty of misconceptions regarding restoration procedures throughout the years. These misconceptions must have been true in the past when technology and techniques were not advanced. However, many trustworthy restoration companies see beyond these misconceptions and practice using the right course of action in mitigating and restoring damages. These common myths about restoration services are not true anymore. 

On the other hand, if a homeowner fails to take quick and appropriate actions because of believing these fallacies, they could end up dealing with more severe damage which is avoidable.

To cut it short, avoid dealing with more severe destruction after a disaster by calling a professional restoration company as quickly as you can. These restoration companies have well-trained and experienced technicians who use advanced technology and techniques in ensuring your property’s complete and thorough restoration.

Below are the common misconceptions regarding mitigation and restoration services.

Myth #1: It is less expensive to replace something than restore it.

Oftentimes, restoration services like mitigation and cleaning contents are more cost-effective than replacing items. However, this varies depending on the situation. At times, replacement is the only option.   For instance, if after a fire disaster, smoke and soot residues were not properly removed from surfaces, the affected contents must be abolished and replaced. Restoration professionals can effectively remove smoke and soot residues, avoiding a huge amount of replacement on the part of the owner. Furthermore, a professional restoration company will and always prioritize mitigation. This process is greatly time-crucial because it prevents further damage and reduces more loss. This process must happen within 24 hours of a disaster. Delaying the process can complicate the situation and result in permanent damage.

Myth #2: Cleaning your carpets will get them dirty faster.

The techniques, products, and technology used in cleaning a carpet before were inferior and this was a real situation. Inefficient carpet shampooing in the past had left soap residue that could attract dirt faster than before it was cleaned. But, today, restoration professionals use advanced techniques that thoroughly clean and flush carpets, preventing that misconception from happening.

Myth #3. Once the carpets are dry, the drying process is complete.

This misconception is nowhere near to the reality as carpets and pads dry faster than other structural materials of a home. The drying process can only be considered complete when other structures of your home such as cement floors, ceilings, and walls are fully dry. Professional restoration technicians determine the moisture level using advanced tools like meters and sensors. Ineffective drying can lead to a small loss from water damage to thousands of dollars of mold claim. Thus, it is extremely important to carry out the result, which is a complete dry structure.

Myth #4:  A home that has experienced fire damage will always smell like smoke. So, there is no need to clean up quickly.

Stories were raising that smoke damage restoration efforts failed. This usually happens because of the smoke odor that remains in your property even after doing some cleanup. Because smoke and soot residues are much more damaging and acidic than ordinary dirt and dust, prompt cleaning actions are crucial. Removing or neutralizing smoke soot immediately after a fire can reduce losses or prevent valuables from suffering irreversible damage because of the acidic nature of smoke particles. Furthermore, odor removal is more complex than turning on a machine and hoping for a good result. Smoke odor restoration has to be thorough and contaminated areas must be cleaned, neutralized and sealed.

 

Myth #5:  If the surface or area looks dry, there are no molds growing

A surface or an area that may feel dry does not mean it is not damaged. The building materials in your home are naturally porous and water can easily seep through them during a disaster. This allows mold to grow quickly inside these building materials. Once this happens, the area that you think is dry and not damaged is actually dealing with serious damage.

 

Myth #6: DIY restoration is cheaper than hiring a professional restoration company.

This situation can be true in some cases, if, for instance, the damage was just a cause of a small leak or grease fire from your kitchen stove. You can use household products to clean the damage. However, a homeowner must be careful. A risk for additional damage is possible in any dirty areas and mishandling repair can cost more in the end. Hiring a restoration company can help you save more money. 

Contact A Restoration Professional

There are many more myths regarding property damage restoration services that hinder the efforts to properly fix the problem. When in doubt of what to do, always contact the professional. Professional restoration companies, like Superior Restoration, are always ready for any disasters and emergencies. Their non-stop technical training keep them updated on the latest methods and trend and prevent them from committing the same mistakes in the past. Using the advanced equipment and techniques, you are at peace that these professionals can do the job right and complete. If you want to learn more about restoration services and the effects of a disaster, call the professional.