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Water Damage Insurance Claim Tips

Most homeowner insurance policies cover water damage to some degree or another. However, just because you are covered does not mean that the insurance company will pay off on your claim. It takes some common sense on your part and sometimes a great deal of persistence to increase your odds of being compensated when water damages your home. Here are five water damage claim tips that can help you avoid having your claim denied.

  • Document everything: Take photos of everything that is damaged and make an inventory list in the immediate aftermath of a house flood. Ideally, you should also try to gather together any pictures that show the items before they were damaged. You will also wish to find as many receipts as possible and any other information you can about damaged or destroyed items.
  • Notify your insurance company immediately after the disaster occurs: This is not only a good idea on your part but it is often required by the insurance company that you notify them promptly of a flood event.
  • Read your policy: It is a crucial that you know exactly what kinds of exceptions may be laid out in your policy. Even though this might be tedious, this is absolutely. Knowing the ins and outs of your policy will help you to avoid misunderstandings and will prepare you so that you will have relevant questions to ask your insurance company.
  • Be present during the visit: This may sound like a no-brainer but some people are not even present when adjusters compile the information they will use for the bulk of their report. Try to be there when your adjuster arrives and go through your property with him/her every step of the way. Be cooperative and obliging but do not sign anything you don’t understand and have not discussed thoroughly with him/her.
  • Determine which contractor will do the work: This will be absolutely essential if you wish to get your life back and track. Conejo Restoration is used to dealing with insurance companies. We are also experienced in handling the aftermath of flood damage such as water removal and mold removal and remediation.water damage

As you can see, you can’t just wing it when it comes to dealing with the insurance companies after a disaster such as a flood. It takes a certain amount of preparation and diplomacy to get the desired result – a successful claim that pays off. We at Conejo Restoration will help you as much as possible when it comes to getting your life back on track and putting your family safely back in your home.

Things to Do If You Have Storm Damage

Dealing with storm damage can be a herculean task. Homes and businesses can be damaged as a result of many extreme weather events such as hurricanes, tornadoes, severe storms, etc. The important thing to remember is to try to remain calm and think about the steps that will be needed to eventually recover from nature’s ire. Therefore, since we are approaching the spring season, we have provided you with some tips you should follow in the event your home becomes damaged by a storm.

  • Use caution while working on the roofs.
  • Analyze the kind of damage you might be dealing with. After you are sure that it is safe to return to your home, make a brief assessment the damage that has been done. Although a complete inspection is best left to professionals, this initial assessment may prepare you for what is to come in the days, weeks and perhaps months to follow.
  • Take care while using a chainsaw or other power tools.
  • Repair roof leaks in order to prevent water damage to the interior of your home.
  • Make sure to cut off the main power supply if your home should become completely flooded.
  • Before clearing up the damage, take pictures. This will help you when it comes time to file your insurance claim.holidays

Insurance clearance:

The most common mistake that many people make is to call their insurance company immediately after a storm damages their home. There are some important steps you should follow before you contact the insurance company.

  • First, you need to consult with a reputable storm damage restoration company. They will completely inspect the property to figure out the severity of the damage to your home. They will also be able to produce an estimate for the cost of the restoration process. This estimate will also be useful for insurance purposes.
  • Read your policy carefully before you call the insurance company so that you know what to expect from your agent and so you’re prepared with the proper questions to ask regarding your coverage.holidaysIf your home has been damaged by severe storm storms, give us a call at Conejo Restoration – the leading restoration company in Thousand Oaks, CA. We provide various services to our customers such as fire damage, water damage and mold remediation & restoration all within your budget. We care for your property and give the best hygienic storm restoration services. Our highly experienced professionals are courteous and thorough. For further queries visit is at http://www.conejorestoration.com/.

Air Sampling for Mold: How it Works and Why it’s Necessary

We’ve discussed on this blog how the damage caused by mold can go largely unseen. Mold can hide in places that the average homeowner may not even think to look. Well, rather than inspect every inch of a home in search of mold spores there is a more efficient way to determine whether or not mold is present. This way is by sampling the air in the household in question. This is often a wise step to take after a home has suffered from some severe form of water damage caused by a backed up sewer, storm or aftermath of a fire. Air sampling for mold is one of several tools we use here at Conejo Restoration. So that you will know more about this process here is some general information about air sampling for mold.

How Air Sampling for Mold is Done

There are several methods for collecting air samples in order to test for mold. These include Impaction sampling – which takes a calibrated air sample and injects captured spores on a slide for examination with a microscope. Single-use cassette samples which also use forced air to collect samples and Particle collectors which can trap mold on a dish to be examined later. There are two important things to remember however. First, air sampling for mold should be done by processionals. Second, mold can be anywhere in a home so multiple sites must be examined in order for any test for mold to be truly revealing.

Guidelines for Mold Air Sampling

  • We pay attention to the number and location of samples: As we have stated, in order for any testing to be meaningful multiple samples must be taken in multiple locations. We make sure that samples are taken in the complaint area and that a control sample is taken in an area that has not been affected by mold. (For example, a sample can be taken outside in the winter, etc.)
  • We explain the goal of sampling: We address any questions you may have about mold sampling, the procedures we use and the actions that we advise are taken once the results are known.
  • Make sure the data is interpreted accurately: We use thorough testing methods to ensure that the results we get are accurate and complete. This is the only way that your family and home can be protected against the health dangers posed by mold.air sampling
  • We know the limitations of air sampling: Finally, we understand that air sampling is only one component to a battery of tests that must be taken once mold is suspected. We visually inspect the area and conduct other tests as well.

Finally, as we have already indicated hidden mold is not always easy to detect. For that we use our years of experience in water damage repair. We know the places that mold is likely to form and our team can handle all kinds of water damage in Thousand Oaks.

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Newbury Park, CA 91320
Phone: (805) 338-6653

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