We know that stress levels skyrocket after any home disaster, especially in the case of water damage with its potentially lingering effects. That's why we put all the information you need to know together with these water damage insurance claim tips, so you can keep stress to a minimum if the unthinkable does happen. How to File a Water Damage Insurance Claim If you're standing ankle-deep in a flooded basement, take a deep breath and remember that you have a plan. The first two calls to make after a water damage event are to your insurance agency or representative and to a Water Damage Restoration Company, If you live in the Washington DC metro area, give Flood Doctor a call. We are the highest ranked water damage restoration company in the area. With over 20 years of experience, no matter how big or small your flood damage, we have the manpower and expertise to handle it.If you do not live in the Washington DC metro area, do your research before hiring a water damage restoration company. Often the ones who advertise the most and you might have heard of are not the ideal company to go with. Without naming any names, most national water damage restoration companies have deals with insurance companies. They do the job as "cost efficiently"  as possible, and in return, the insurance companies keep sending customers their way. What does this mean for a homeowner? It means that if they work for the insurance company and not you. If they can save them money by keeping water damaged carpet that should be replaced, they will do that. If they have to replace a wall in your home, they won't paint the rest of the walls to match. Knowing full well that insurance companies would cover that. A good place to start looking for a reputable company is the Institue of Cleaning, Inspection and Restoration Association (IICRC)."The IICRC is a certification and Standards Developing Organization (SDO) non-profit organization for the inspection, cleaning and restoration industries. In partnership with regional and international trade associates, the IICRC serves more than 25 countries with offices in the United States, Canada, United Kingdom, Australia, New Zealand and Japan."After you've made those calls, there are a few more steps to get your water damage insurance claim resolved:Review your homeowners or renters insurance policy. Your insurance company or agent can provide a copy if the original is missing or damaged. The declarations page has important information regarding your policy's water damage coverage, deductibles, limitations or exclusions. It also should list any claim filing deadlines. Take photos and/or video of the damage before any cleanup or restoration begins. If you remove items from the water damaged area, don't throw anything away until your claims adjuster has done an inspection. If mold is a concern feel free to put them outside. No adjuster expects you to keep contents covered in mold. Work with professionals like Flood Doctor for damage assessment, cleanup, and restoration. A professional company can quickly perform complete water extraction and drying, pack-out services, board-up and full mold remediation as needed. Gather the necessary information needed to file a water damage insurance claim. This information may include, but isn't limited to:Date of loss Location of damage Contact information for the property owner Your personal contact information, if you're not the property owner Receipts for all cleanup, repairs and other related costs Receipts for lodging and meals if you had to leave your home before or during cleanup and repair Complete list of all damaged items and building materialsKeep detailed records or a log of each person you speak with at the insurance company. This log should include the date and time of the call, the representative's name and a brief description of your conversation. Keep a copy of every written communication with the insurance company, including a file for digital communication like emails.Flood Damage The average homeowners insurance policy doesn't cover floods that originate from the outside on the home. If the water comes into your home from outside rain, or an outside drain back up you need Flood Insurance. However, if the water originates within your home, water damage caused by a broken pipe, sewer backup or failed drainage lines, or even if your sump-pump stops working and backs up into the basement; a typical homeowners insurance policy will cover that.It's important to know exactly what your homeowner's insurance policy does and doesn't cover regarding water damage, so always check your policy first. Any type of water damage event is stressful. Let the experts at Flood Doctor help you get through the process without headache or hassle. From water extraction to the restoration of your artwork, books and important documents, our professional teams can help you get through the crisis and get back your life. ...

Water damage can strike your home at any time, from any number of sources. The longer you put off water damage restoration, the worse, and potentially more expensive, the project will become. Especially if mold starts to grow. So what do you do? Before you decide to go the DIY route – after all, everything you need to know is online, right? – take a step back and look at the bigger picture. WATER DAMAGE RESTORATION IS NOT A DIY JOB Despite what you may find online, tv shows, blog articles, and youtube video channels, water damage cleanup should only be handled by trained and certified professionals. These trained professionals not only have the training, experience, and certifications to get the job done right, they also have specialized drying equipment needed to do the job properly to prevent further damage. ie mold.  Sure you can rent fans and dehumidifiers from Home Depot, but drying a soaked carpet using residential or rental equipment can take much longer than the Low Grain Refrigerant (LGR)Dehumidifiers professional water damage restoration companies use. Time is of the essence when dealing with water in your home or business. One day is the difference between saving your building materials and having to demolish and restoring. Additional benefits of hiring a professional water damage restoration company:Health Hazards: Depending on the source of the water damage, safety can become a concern. There are three categories of water damage, ranging from clean water to black water, each more hazardous than the next. Black water, the most dangerous of the three, is water that has come into contact with fecal matter or other unidentified contaminants. Hidden Damage: Water damage is not always obvious. Sometimes it is found inside walls and under floors. If you attempt a DIY restoration and fail to diagnose hidden damage, the resulting issues could be extreme…and expensive. Peace of Mind: Hiring a professional restoration company gives you the peace of mind knowing you have done everything in your power to rectify the situation.  WHY CALL FLOOD DOCTOR FOR WATER DAMAGE RESTORATION:We respond and work quickly – Depending on the extent of the damage, Flood Doctor professionals may be able to clean up water damage in your home in as little as three days.We’re experienced – After 20 years in the Water Damage Flood Damage Restoration business and thousands of Virginia, Maryland and Washington DC properties restored, we know how to handle your water damage cleanup emergency.We help with your insurance claim – Working with insurance companies while recovering from water damage or flood damage is stressful. We can work with your insurance company to settle claims quickly. ...