Household appliance failure accounts for a significant portion of residential flood damage claims. Performing periodic inspections and maintenance will reduce the possibility of appliance breakdown and lessen the risk of a significant water event.
Water damage insurance claims are among the most frequently reported losses. Coverage depends on policy specifics, including the source of water damage and the duration of exposure. It is incumbent upon property owners to ascertain a thorough understanding of possible liabilities, and available policy options to make informed coverage decisions. Current coverages can be replaced entirely or bolstered by adding addendums that would indemnify against eventualities not currently addressed.
Manipulating the environment within a drying chamber is essential to successful water damage restoration. Equipment is deployed to evaporate surface water and create a vapor pressure differential between saturated building materials and dry air. This vapor pressure differential causes trapped water to vaporize and move from the substrate to the air. Achieving an optimal environment for evaporation requires attention to the vapor pressure differential. The bigger the spread of vapor pressure the greater the pull of moisture from the air.
Humidity, Temperature & Airflow influence the movement of moisture within a material as well as the evaporation rate from the surface of the material and can greatly impact the overall drying time for a water damage restoration project. Quickly reducing moisture in the air and introducing sufficient airflow will reduce water activity, ultimately lowering the potential for microbial activity.
Homeowners insurance provides compensation for events protected under the policy. Covered events can indemnify the policy holder against damage to the home, yard and other structures, personal belonging as well as personal liability if found legally responsible for damage or injury to another. Although homeowner’s insurance is not mandated by law, lenders universally require a policy remain in place for the length of the mortgage to protect the investment. Encumbered properties are subject to force-placed insurance if their policy has lapsed, is cancelled, or has been deemed insufficient. Creditor-placed ‘force’ policies provide rudimentary coverages that protect the mortgagors interests alone and are charged to the mortgagee.
Icicles along a roofline are largely perceived as a beautiful winter staple, yet often indicate ice dams and a potential for water damage to the structure. Ice damming blocks roofing drainage systems, diverting the flow of water under roof coverings and into the building envelope. Once within, gravity carries this permeation through insulation, ceilings, walls, and floors causing widespread water damage. At this point, immediate water damage restoration is essential to prevent the possibility of mold contamination.
When you consider the statistics, it becomes clear just how common and devastating a problem water damage can be. According to industry estimates, 14,000 people in the US experience a water damage emergency at home or work each day, and 98% of basements in the US will suffer from some type of water damage during their lifetime. The costs are just as staggering as the frequency. Water damage restoration and mold remediation services cost the insurance industry approximately $2.5 billion dollars per year, and the average cost of a home water damage insurance claim is $6,965.
Property Recovery 911 was summoned to a significant water loss event in a South Philadelphia row home, caused by a failed water line serving the second-floor bathroom. Substantial volumes of water poured throughout the interior of the home and came to rest as a 1-1/2' deep pool in the basement. Much of the structure and contents from the second floor through to the basement were saturated, including personal belongings, kitchen cabinetry and household appliances.
Summoned on a Sunday to provide flood restoration services in February 2019, we arrived to discover significant overhead flood damage originating from a frozen and burst pipe on the third story of this historic building in Olde City Philadelphia. Housing landmark restaurants starting in 1893 as The Oyster Saloon, this historically significant structure required immediate action to mitigate the circumstances at hand and arrest possible ancillary damage as well as the progressive losses that occur over time if not properly handled.
There are a variety of situations, events and avenues of delivery that could result in water damage to a structure and the contents within. Potential occurrences include human error, vandalism and failure of building systems designed to deliver, remove or protect the structure from water intrusion. Failure of major building systems, such as plumbing, or roofing can be the result of immediate and unexpected physical damage or deterioration over time.