Frequently Asked Questions

Water damage insurance claims depend on a few different criteria. Ultimately, that's a question you'll have to clarify with your insurance company. However, we can tell you that the viability of water damage insurance claims depends primarily on what caused the damage (storm, burst pipe, plumbing malfunction, localized flood, sump pump failure, etc.). Some insurance policies will outline scenarios that will NOT be covered without specific riders like flood insurance, or sump pump failure insurance.

Contacting a restoration contractor as well as your insurance adjuster at the same time is a good idea because the restoration contractor will help make sure that not only will the water extraction and dry out be covered but the rebuild process that should follow. If the full scope of the claim isn't outlined and agreed upon from the start, there may be issues down the line, and property owners may find themselves having to pay out of pocket to get the property completely back to normal.

Anytime the moisture levels in your home are at 60% or higher, mold can grow. What's frustrating for many property owners is that they don't see a puddle on the floor or water dripping from the ceiling. When mold grows, the source of the moisture is usually hidden under floorboards or behind walls.

Leaving sink cabinet doors ajar allows warm air to circulate around the pipes to help keep them from freezing. Wrapping pipes near exterior walls will also help protect them from freezing.

Insurance coverage is very situationally dependent. Each policy from each different company will have different levels and types of coverage. The best way to know if your damage is covered is to keep a copy of your policy on hand and call your agent directly with any questions you might have.

That depends on the types of materials that were affected by water. Drywall, carpet, and hardwood floors will take longer to dry than other materials in the space. We use moisture meters throughout the process and in many different locations to gauge the moisture levels and will continue to adjust our fans and dehumidifiers to achieve an efficient but effective dry time. The bare minimum of "three days to dry" may only produce a surface dry, but can still leave behind moisture levels that create an ideal environment for mold to grow.

Most often, yes. You'll need to check your specific policy for the full scope of coverage, but in general, if the damage was caused by a flame, it's covered. Your best bet is to hire a professional damage restoration company, such as Bolden's Cleaning & Restoration Services, to help you through the claims process. We know how to avoid some common missteps when it comes to making sure the entire loss is documented and covered. Many homeowners and insurance companies forget, for instance, to consider that your HVAC system will need to be cleaned of soot, and, since fires are extinguished using water, many areas of your home may need to be restored due to water damage even if they weren't directly affected by the fire.

It could be. Because mold spores are microscopic and airborne, you'll end up breathing them into your lungs. Depending on the type of mold and how well your immune system functions, you may develop some serious health symptoms that could end up being the result of mold. That's why a mold remediation company takes mold removal so seriously. The space affected by mold is isolated and contained during cleaning so the spores won't spread to other areas of the house, and the remediation team stays suited up in Personal Protective Equipment (PPE) during the process.

Infrared heat lamps or space heaters can gently thaw frozen pipes if you notice frost accumulation. Be careful not to heat the pipes too aggressively, though, as that may cause them to burst as well. Remember never to leave a heat source unattended to avoid fires.

As a homeowner, seeing your home damaged is extremely stressful and it's difficult to know the right course of action. Will trying to clean up on your own help or just make things worse? No matter what kind of damage you've incurred, the very first thing you should do is take photographs as long as the area is safe for you to be in. In the event of mold or fire, it's best to just leave the damage alone until a professional can address it. Disturbed mold can disperse spores throughout the home and fire damages can be made worse if improper cleaning techniques are used.

Most homeowners start trying to remove the water themselves before they realize they'll need to contact their insurance company about a claim so they can call in a water damage restoration company. However, standing water around anything with a power cord or outlet or sagging ceilings makes the area unsafe. Also, many insurance claims require documentation of the loss BEFORE any work is done, including removing the water. Always take plenty of photos of the damage you see before taking any action to start cleaning up the mess. Your restoration contractor will be able to back up your insurance claim scope with the necessary technical documentation as well.

For the majority of surfaces in your home, bleach won't actually get rid of your mold problem. It's the "iceberg effect." Visible mold is usually a small percentage of the actual amount of mold growth. Bleach can't kill mold on porous surfaces like wood, and while tile or fiberglass surfaces can be cleaned with bleach, often the mold has spread far deeper. The reason why mold remediation companies don't recommend DIY cleanup isn't that they want to make more money; they know, in their experience, that a mold problem is usually far more invasive than can be seen with the naked eye. Simply cleaning the surfaces can provide false assurances that you got rid of the mold, only to have it come back time and time again.

Pipes running along exterior walls, especially below ground level, are prone to freezing and bursting during cold weather.

If the water damage involves Level 1 water (clean and free of microbes and bacteria), many of your personal belongings can be salvaged. Level 2 water would include other water sources, including rainwater, that, while not containing biohazards or sewage, still pose health risks and the potential for destructive microbial growth and mold, these items cannot be kept.

DIY soot removal is not recommended. Commercially available products can actually cause permanent damage to surfaces. Soot itself is primarily oil-based, but that residue also contains toxic, possibly biohazard contaminants.

Sometimes mold remediation is included if the cause of the mold was a "covered peril" like a burst hot water heater or water damage caused by firefighters extinguishing a fire in your house. Gradual water damage - like from a leaking pipe or hose - will often cause mold growth, but your insurance coverage will usually not cover that by claiming that it was caused by poor maintenance or neglect. If your insurance company denies your claim, you should request an inspection from a mold remediation company that can help you document the source of the mold.

Temperatures 20° Fahrenheit or less, sustained for 3 days or more, are likely to cause frozen pipes. If the weather is also windy, any temperature below 32° Fahrenheit can also create a frozen pipe situation.

Identifying the source of the water damage is one of the first steps in both the insurance claim process and before beginning to dry out and repair the damaged areas. After all, if you replace a sagging, wet ceiling that was caused by a roof leak but don't fix the roof, too, the next rainstorm will start the cycle all over again. The buckling to your hardwood floor could be caused by a leaking pipe. We will pinpoint the exact cause of your water damage and make sure the source is repaired. We make sure your restoration job is done right the first time.

Smoke damage is rarely limited to one area of the house, and it leaves behind a residue that can hide in crevices and out-of-reach areas, and a simple "airing out" may not be sufficient. We recommend consulting with a smoke damage technician who can help you troubleshoot the next steps.

Inexpensive styrofoam spigot covers go a long way to prevent the adjacent plumbing from freezing, as well as draining any water from those faucets after shutting off their water supply inside the building. Most homeowners forget this important step, only to have their basements or crawl spaces flood in the spring when they turn their outdoor faucets on for the first time after winter.