Water Damage Insurance Claims and Recovery in Texas
A water loss is a sudden and unexpected disaster that can happen at any time. Water loss and water damage includes burst/broken pipes, water entering from an opening in structure, leaks from appliances and hot water heaters, and sewage backup. These types of losses are generally covered in a typical Texas homeowner’s insurance policy (Texas Homeowners Form A does not cover these losses without an endorsement). Insurance claims for these types of losses are the most common for the insurance industry, which means that the method of adjusting these types of losses is important.
The key to properly investigating and adjusting the water damage insurance claim is to uncover all the water damage, even the damage hidden behind walls & ceilings. After a leak or other damaging event occurs, the first 24 hours are extremely important. To protect the property from further damage, property owners must complete these important steps.
First Step: Notify your Texas insurance company that water damage has occurred.
Second Step: Perform a thorough dry out. The most effective method for drying out a property is to hire a water extraction company, restoration company, or certified carpet cleaning company. However, make sure to get a written estimate of the scope of the cleaning/drying needed, and the costs to complete from the company to your insurance company so that you gain approval before signing an authorization to begin work.
The worst thing to do is to allow the extraction company to begin work before insurance company authorization. The insurance company could deny the claim expense and leave the policy holder paying for everything out of pocket.
The extraction company will most likely completely remove any wet carpet and baseboards so that the extraction equipment can circulate dry air throughout the building. Unfortunately, in many instances, the insurance company will take short cuts here to save on costs. This is bad news for the property owner because the dry-out process is a crucial preventative measure to halt further damage and inhibit the growth of mold.
In Texas, most water damage recovery policies do not include mold damage or, if they do, the coverage is limited. This means the extraction company may not have enough money to perform proper mold remediation.
The Disaster Advocates use the latest technology to determine the extent of water damage. Using moisture detectors, and thermal infrared cameras to uncover hidden damage in ceilings and behind walls, we can determine which areas need the most attention, which is key to preventing further issues. More than likely, the insurance company will not utilize the best technology or techniques to uncover and restore the property after water damage occurs because issues uncovered must be dealt with and will therefore increase the value of the claim. They typically try to minimize the value of the water damage insurance claim to protect their profit margins. This can create serious problems for the future of the property itself, and the property value to the owner. If you’ve suffered business loss from a flood event, learn more about TDA’s insurance claim services for flood damage claim and settlement support.
Let The Disaster Advocates to help you “Claim What’s Yours” after water damages your property. Please contact TDA Public Adjusters to set up your No Cost Consultation.