Typically, standard home insurance policies do cover water damage that occurs suddenly or accidentally. This can include incidents such as burst pipes, appliance failures, overflow from toilets, sinks, or showers, leaks from weather-related roof damage, and HVAC issues like blocked condensate lines. Some policies might also cover sewage backup or water damage from floods or heavy rain. Navigating the claims process can be daunting, especially since most homeowners rarely need to file a claim. At Rapid Response Restoration Services, we offer our assistance throughout the claims process. We will work with you to review your policy, confirm the specifics of your coverage, and find the optimal resolution for your situation.
The insurance process for damage claims includes two key phases: Mitigation and Rebuild. Mitigation focuses on preventing additional damage to your property and belongings by employing advanced equipment and methods to minimize loss. This phase involves removing irreparable materials like drywall, trim, and flooring, extracting water, drying, and sanitizing the impacted areas. The initial demo of mitigation is usually completed on the first day, while professional-grade drying machines are operated for three to five days based on saturation levels.
Rebuild involves repairing and replacing materials removed during mitigation to restore the property to its condition prior to the damage. There are typically two separate estimates for each phase of the process, and sometimes even different adjustors manage these estimates. While many water damage restoration companies focus solely on mitigation, leaving you to find a separate contractor for the rebuild, Rapid Response Restoration Services will oversee your project from start to finish. We collaborate with your insurance provider to ensure you receive all the benefits your coverage offers.
Wondering if you should get a mold test? While it’s a common service, many mold testing companies might not be upfront about whether testing is necessary. In most cases, if you can see mold, the priority should be to address and remove it before it spreads further. Spending money to identify the mold type (such as stachybotrys or chaetomium) might not directly contribute to solving the issue. However, there are instances when a test is warranted. For example, if unexplained health problems like allergies, respiratory issues, or skin irritations occur in a specific area, mold could be the culprit, and testing could confirm this. Additionally, following mold remediation, testing can verify the success of the mold removal. At Rapid Response Response Restoration Services, we provide mold testing with a unique benefit. Should the test show that remediation is needed and you choose us for the job, we will credit your remediation charges with the cost of the mold test, effectively offering the test at no extra cost to you.
