3 Common Questions about a House FloodJul 19, 2017
As a homeowner, it’s not uncommon to make the occasional call to a local plumber, electrician, or handyman for a few small projects or issues around your house. However, when it’s time to call a restoration company, you know there’s likely a bigger problem present. At Hudson Valley Contracting & DKI, we realize many people don’t even know what a restoration company is until they need our help – but the good news is, we can help with a lot of problems, and answer a lot of your questions about the whole process.
When someone calls us about a flood in their Goshen home, our goal is to instill a sense in you quickly that we understand the problem and can get you quickly on the path to fixing it. We are happy to answer your questions, and understand the better you understand this restoration and insurance claim process, the better you’ll be able to cope and recover from the flood itself.
So here are three of the most common questions we’re asked after a house flood.
- Am I covered?
It’s probably no surprise that homeowner’s almost immediately want to know if the water loss will be covered. Unfortunately, we don’t have a straight answer for that question, but based on trends we can offer you a pretty good idea of whether or not it will be. To put it simply, there are two categories: flood damage and water damage. Flood damage is when water comes in from outside your home, and generally, in instances where that flooding is due to a swollen river or lake, that won’t be covered by a standard homeowner insurance policy. This type of damage requires actual flood insurance. On the flip side, if a pipe bursts in your home and your basement is flooded, it’s probably covered. That is considered water damage.
If you aren’t sure what exactly is on your insurance policy, we certainly suggest speaking with your insurance agent about your coverage sooner than later.
And, if you’re calling us once the water loss has happened, rest assured that we also will work with your insurance company to see what is covered and what is not so you understand what you’re dealing with right off the bat.
- Who do I call for help?
When there is a fire in your house, you automatically know to call 911. But what if there’s a flood or water damage? Calling a restoration company, like Hudson Valley Contracting & DKI, is a very good first step to be sure the drying and restoration process gets started quickly. The sooner the drying begins, the less extensive the damage to your home will be and the quicker the entire restoration process will go.
It’s also wise to put in a call to your insurance agent or company to talk through what has happened and get the claim opened. This could also help ease any worries you might have about your policy covering, or not covering, the damage.
If the event is severe and you need help beyond a restoration company, you can consider calling the Red Cross or a local shelter. Those are options mostly for after a natural disaster but are great resources year-round when families suffer a disaster of any kind.
- How much will this cost?
This goes hand-in-hand with the question about coverage, and unfortunately, it’s not something we can answer. Every situation is unique. However, you’ll see as the restoration process gets underway, we communicate often about as much as we can so you will understand the costs from start to finish of the project so there are no gray areas, and hopefully no surprises.
A high-quality water damage restoration company like Hudson Valley Contracting & DKI in Goshen will be able to answer all of your questions and meet all of your needs. Contact a professional in any water emergency situation.