Flood Damage vs. Water Damage Restoration: Where the Line Blurs | Water Damage Restoration in Fort Worth, TX
When it comes to filing insurance claims against water damage, a lot of people tend to mistake flood damages with water damage. However, when we talk about insurance coverage, both the things have a different prospect or scope. So, what is the difference between flood and water damage restoration in Fort Worth, TX? Here we will tell you all about it.
While most people think having home owner’s insurance is enough to keep the home safe, a vast majority of them forget to ensure that their homes are safe against water damages and flooding. It is important to understand the difference between the two types and which of them are covered under your insurance policy.
Flooding is an external source of water damage caused by storms, heavy rains, hurricanes, overflowing rivers, and mudslides, etc. It is a natural disaster that makes you, your family, and property prone to getting harmed.
Flooding, indeed, is a type of damage for which you need water damage restoration in Fort Worth, TX, but it doesn’t come under the head of ‘water damages’ in your insurance policy and is often not even covered.
Water damage is a generic term and cannot be substituted with specific damages, such as flood damage. On the contrary, flood damage, being a specific term, could be substituted as water damage. While this may sound funny and illogical, it will help you a lot when you have to hire a professional for water damage restoration in Fort Worth, TX and claim insurance for the same.
With the use of proper terms, you can be more precise and help the professionals and insurance providers to prep and process accordingly.
In simple words, water damage is damage caused to your property due to internal technical faults and consequential flooding.
As mentioned before, ‘water damage’ is a general term and can be better applied to internal incidents and emergencies that include water. These could be because of appliance malfunctions, leaks, pipe bursts, etc.
When informing the experts of water damage restoration in Fort Worth, TX of such damages, you can safely refer to them as water damage. When asked about the details, you can further elaborate the source and/or the situation you are in. For example, “I have got water damage due to washer leak” or “My home’s ceiling has water damage.”
Flood Damage Insurance
There is a low risk of natural disasters like these as they occur infrequently, and this is why floods are not usually covered by home insurance providers. Such coverage is instead offered by some private insurers and officially by the National Flood Insurance Program (NFIP). If, however, you live in a flood-prone area, it is a smart choice to apply with NFIP.
Water Damage Insurance
The majority of home insurance policies cover water damage restoration in Fort Worth, TX. But it is a good choice to ascertain twice that you do have this coverage when making an insurance agreement. Some providers or the policies prescribed by them only offer limited coverage, so it is important to know what is or is not covered. Water damages are also often covered individually by normal insurance firms.
The Effects of Water Damage
Water damage restoration in Fort Worth, TX is a process almost all homeowners fear. It is a tacky, tiring, and irritating job, and this is why we now have specialized personnel to get the job done from. Water damages don’t only prompt emergencies but also bring losses and health hazards. Such damages usually depend on weather conditions or the season. For example, if it is winter season, you are likely to get them from excessive snowing or the melting of the snow.
This may come as a surprise to you but water damage can literally empty your bank account in case the damage reaches to expensive items in your house, such as electronics, furniture, upholstery, restoration, HVAC systems, etc. This is more likely if the damages are either left untreated, treated on a DIY basis, or are left in the untrained hands of the neighborhood repairmen.
By hiring a professional for water damage restoration in Fort Worth, TX, you make things a lot of easier and safer to handle. The experts will ensure minimizing the impact of water damage and will use precautions and appropriate tools to deliver the results.
The Categories and Classes of Water Damage
The key to satisfactory water damage restoration in Fort Worth,TX is to identify the degree or extent of damages your home has faced. The company you hire will first examine the severity to decide what needs to be done next and what precautionary measures should be taken.
Water damage is categorized into three types, i.e., category 1, 2, and 3. Your home will be identified for category 1 damage if the water is free of contaminants and is still safe for humans to come in contact with.
Category 2 water is also known as ‘gray water’, which implies that the water is fairly contaminated. The source of contamination could be broken toilets, seepage, or defective sump pumps.
Finally, the 3rdcategory water, also known as ‘black water’, is when the water contains extremely harmful bacteria or microorganisms that can cause sickness or even death. Such water is contaminated due to sewage issues or by touching other dirty items in the home.
Regardless of which category the water in your home falls in, you do need to hire specialized personnel for water damage restoration in Fort Worth, TX.
There are four classes of water damage ranging from number 1 to 4. Just as the categories work, class 1 refers to the least harmful form of water damage. This will require less effort to restore the damages. As for class 2, the water damage is a bit more difficult and the rate of evaporation is high. This implies that there is a chance that carpets or cushions will get damaged. Class 3 has as an even higher evaporation rate and the water in this category is possibly leaking from overhead sources that splash the furniture and walls. Lastly, there is class 4 damage that requires specialized methods and procedures to restore.
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