In 2017 we’re committing much of our blogging efforts to discuss mold. Over the course Read more
Everybody’s situation is unique. Some people have great insurance policies and additional flood insurance coverage, and are covered under virtually every water loss scenario. Other people might have good coverage but only a little visible water damage. Still others may have access to the right equipment and some working knowledge of its effective use.
For most, the most pertinent question is ‘Will my insurance cover it?’ For most water mitigation losses, the costs will outweigh your insurance deductible. That’s not always true, but it usually is the case. In a scenario where it may be a few hundred dollars to hire a professional and you would be paying out of pocket, some people choose to do the dry out themselves. What we are obligated to remind people of is that if you don’t perform the flood cleanup and dry out process correctly, you could end up with mold. That matters, because it can make you sick, it’s very expensive to remediate, and it’s not covered under insurance policies.
Ultimately, if you feel like you have access to the right equipment, including:
() moisture reading equipment to find all moisture areas
() air movers (surface & sub-surface systems)
() dehumidifiers that trap evaporated moisture and release it outside the property
and you understand the appropriate processes to follow (like knowing when to pull up carpet or cut out drywall and pull insulation) then you may be able to effectively cleanup basement flooding and properly dry out your home.
But for most homeowners, that simply isn’t the case. And that’s just if you’re talking about clean water (like water from a sink overflowing or pipe bursting in your unfinished basement. If you have water that ends up in your home from outside (like from heavy rains) or you need sewage cleanup services, then you’re talking about strict safety protocols that should always be followed in order to protect you from illness and disease.
Like any decision, you have to weigh the pros and the cons. While hiring a water damage company can be more expensive, if you hire the right contractor, you’ll have peace of mind. For many, a price can’t be put on that!