WHAT TO EXPECT DURING THE WATER DAMAGE REBUILD PROCESS

Water damage affects each property differently, leading to variations in the rebuilding process. Despite the lack of a universal approach, it is important to be familiar with the standard practices that typically define a water damage rebuild, ensuring that you are informed about the usual procedures involved.

The following provides a detailed timeline of events that typically take place during the water damage rebuilding process, as well as practical tips and recommendations to ensure that you receive proper coverage from your insurance company in Fullerton.

Prior to commencing the water damage rebuild, certain essential steps should be undertaken. These actions are vital to the claims process and may enhance your chances of obtaining a fair settlement from your insurer.

Water Damage Rebuild

Step 01

Protect yourself and your home

Water and electricity do not mix, so if you encounter water damage near electrical outlets or light fixtures, promptly turn off both the water and main power supplies. Refrain from touching any standing water until the electricity has been shut off and avoid entering rooms with sagging ceilings or floors. If water has been in the area for more than 24 hours, either use a surgical mask or stay out of the building to reduce the risk of inhaling mold, lead, or asbestos particles.

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Step 02

Hire a Plumber

When you first notice water damage in your property, promptly engage a licensed plumber to pinpoint the leak’s origin and document how long it has been occurring. Since insurance policies often exclude coverage for leaks that have lasted over 14 days, obtaining a detailed report from a licensed professional adjuster about the leak’s timeline can be vital for your claim’s acceptance.

Step 03

Collect Evidence

If you plan to submit a claim to your insurance adjuster, be ready to provide detailed evidence. Capture photographs and videos of the leak and the damage it has caused to your floors, furniture, and other affected items. Additionally, retain any damaged pipes, filtration systems, water heaters, garbage disposals, washing machines, or other equipment that played a role in the leak. Presenting this evidence will be vital in ensuring that your insurance claim is properly processed and covered.

Collect Evidence

Step 04

File a claim and expect your insurance company to do their research.

Upon filing a water damage claim, your insurance company will arrange for either an in-house adjuster or an external specialist to inspect your property. This inspection, referred to as “field scoping,” aims to evaluate the leak’s origin, the manner in which it occurred, and the necessary repairs or replacements. The information gathered during this process helps in formulating an estimated repair cost.

Several factors can lead to the denial of water damage claims by insurance companies, with a common reason being the designation of the leak as long-term. To mitigate this risk, it is essential to have a licensed plumber conduct an inspection and provide thorough photo and video documentation of the leak.

It’s crucial to recognize that not all water damage is covered by your insurance when making a claim. Specifically, homeowners insurance often excludes coverage for damage caused by floods, neglect, or prolonged leaks. Understanding these limitations can help you manage your expectations and address any potential issues.

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What kind of water damages should be covered?

  • Sudden and accidental leaks that started less than 14 days ago
  • Slab leaks (unless specifically excluded in insurance policy)
  • Sudden dishwasher leaks
  • Water purifier leaks
  • Garbage disposal leaks
  • Rain and wind together
  • Burst pipes
  • Washing machine leak
  • Refrigerator leaks
Do Damage Control

Step 05

Do Damage Control

After collecting photographic and video evidence and filing your claim, it is important to take specific actions to minimize further damage to your possessions:

  • Dry off furniture.
  • Open drawers and closet doors.
  • Elevate cushions on couches and chairs.
  • Use wood blocks, aluminum foil, or foam under furniture legs.
  • Relocate valuables to a dry, secure area.
  • Remove rugs, books, and colored items from wet areas.
  • Hang curtains on a coat hanger to dry.

WATER DAMAGE REBUILD PROCESS

Mold growth can commence within 24 hours, making it essential to begin the rebuilding process without delay. While the exact procedure may differ based on your circumstances, typical water damage rebuilds usually include the following steps:

Water Clean Up

Step 01

Water Clean-Up

The first priority is to remove the water. Engaging a professional water damage mitigation company is recommended because they have the right tools and are trained to find concealed water damage. Depending on the leak’s source, the water may carry hazardous elements like sewage, chemicals, or mold. Professionals use protective equipment and follow safety protocols during the cleanup process.

Fixing The Leak

Step 02

Fixing The Leak

You must address the leak before proceeding with the rebuild to prevent damage to the repair work. If covered by insurance, they generally fund the repair of the leak’s precise location but not the replacement of the entire piping system. Insurance providers often engage a leak detection service or a specialized plumber to identify and fix the leak.

Step 03

Dry Job

Once the leak is repaired, the next step is to dry the damaged areas to avoid further water damage and mold growth. It’s advisable to hire a water damage rebuild company for this task. They use specialized equipment, including commercial heaters, dehumidifiers, and air movers, to extract moisture and improve air circulation. Additionally, air scrubbers may be used to remove mold spores from the air.

If you’ve filed an insurance claim, your insurer may recommend a particular water damage rebuild company for the drying process. Keep in mind that some of these companies operate primarily on behalf of insurance firms and manage a high volume of jobs—often more than 30 per month—from these insurers.

Since insurance companies determine the payout amounts for water damage claims, they have the power to influence their water damage rebuild vendors. Consequently, a rebuild company chosen through your insurance might take shortcuts in the drying process to meet the expectations of the insurance company they often collaborate with.

Rather than defaulting to the water damage rebuild company recommended by your insurer, opt for a licensed and unbiased rebuild company that ensures honest work. Typically, your chosen company will bill your insurance company directly. If the water damage is covered by your policy, your insurance should pay for the service.

Step 04

Lead and asbestos abatement

Most water damage rebuild companies strive to minimize disruption during the drying process, but in some situations, drywall, insulation, and other materials that can’t be salvaged will need to be removed. For homes built before 1990, the company may conduct tests for lead and asbestos, which could be encountered and need proper handling during the drying and rebuilding stages.

Lead and asbestos removal regulations vary by state, and in some cases, specially licensed contractors are required to handle these hazardous materials. A reputable water damage rebuild company will be familiar with the regulations in your state and can guide you through the asbestos or lead abatement process if these materials are found.

Lead and asbestos abatement
cleaning personal belongings
personal cleaning2

Step 05

Cleaning Personal Belongings

After the drying phase is complete, it’s important to apply antimicrobial treatments to your personal belongings to stop mold and bacteria from developing. Items like carpets, clothing, furniture, curtains, and other affected possessions should be included in this process.

Step 06

Rebuild

After water has been removed and drying is complete, the rebuilding process can start. Depending on the level of damage, this may require the removal, repair, or replacement of various materials or structural parts of your home, such as drywall, cabinets, hardwood flooring, or the foundation.

Although certain water damage rebuild companies in Fullerton provide both drying services and repair or replacement of damaged areas, it’s best to hire a trusted contractor. Insurance companies may suggest vendors for both tasks, but these vendors often lack proper expertise or take shortcuts to save the insurance company money, leading to unsatisfactory outcomes for many homeowners.

Choosing a trusted contractor improves the likelihood of achieving quality work. Plus, with an estimate from your claims manager detailing what your insurance will pay, you can work with your contractor to ensure the repairs fit within your budget.

water damage rebuild

HOW A WATER DAMAGE REBUILD LOS ANGELES PUBLIC ADJUSTER CAN HELP

A public adjuster works for you, the policyholder, during the claims process. Unlike insurance adjusters who work for the insurance company, public adjusters are focused on helping you get the most out of your policy. After you hire one, they take over communication with the insurance company, reducing your stress and allowing you to concentrate on getting back to your routine.

Public adjusters work to negotiate with your insurance company to help you obtain the full benefits you’re owed. Although it’s ideal to contact a public adjuster at the outset of your water damage claim, they can also step in if:

  • In cases where your insurance company refuses to cover Additional Living Expenses (ALE) or Loss of Use costs, a public adjuster can step in to help secure reimbursement for the living expenses you’ve had during the water damage repair process.
  • When you’re unhappy with the home repairs, a public adjuster can engage your insurance company to secure the “like-for-like” repair standard guaranteed in your policy, ensuring the proper quality is met.
  • When the insurance settlement offered does not cover the expenses required to return your home or business to its original state, a public adjuster can work with your insurer to negotiate a higher settlement, ensuring complete restoration.

Whether you’re early or late in the claims process, you might wonder why you need a public adjuster when you can handle repair estimates and deal with the insurance company yourself.

While it’s possible to navigate the claims process by yourself, most homeowners are not familiar with handling water damage claims or fully understanding insurance policies and repair procedures.

Since a home is typically one of a person’s most cherished assets, it’s common to become emotionally involved in the claims process. Public adjusters are dedicated to helping you receive fair and reasonable payouts for claims such as water damage, property damage, and flood damage. They are knowledgeable about topics including replacement costs, contingency fees, and sewage backups. Their expertise extends to effective communication with insurance carriers to ensure you receive adequate compensation for your repairs.

Furthermore, most contractors and flooring experts are not licensed by the Department of Insurance and are therefore not authorized to represent you in your water damage claim. In contrast, public adjusters are state-licensed and can offer legal representation throughout the claims process.

In conclusion, a public adjuster will assist you through every step of the claims process, providing advice, negotiating with your insurance company, and managing necessary paperwork. Their expertise and regular interaction with insurance companies equip them with more knowledge than most homeowners, helping to secure a fair settlement.

The benefit is that a public adjuster charges a modest percentage of the settlement amount they negotiate with your insurance company. Their goal is for fair and reasonable claim settlement.

For water damage to your home or business in Fullerton, Excel Adjusters can provide expert assistance. We have a track record of settling over 4,200 claims and are focused on ensuring our clients receive a fair adjustment from their insurers. Contact us now for a complimentary consultation.

Excel Adjusters
Call:(213) 800-3333
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