Boulder Disaster Cleanup Services, Flood & Fire Restoration Service - Flooding, Flood Damage and Water Damage Restoration
Disaster Cleanup Services Services offers emergency response to flood and water damage disasters. Water can have an incredibly destructive impact on the structure of a home. Whether your water loss is large or small it is important to make sure that both obvious and hidden damages are identified correctly to help ensure the safety and integrity of your home. The Boulder team of Disaster Cleanup Services quickly responds to emergencies in Boulder, Longmont, Lyons and surrounding areas.
Incorrectly dealing with flood damage can lead to dangerous mold problems and structural damage down the road. Disaster Cleanup Services Services will help you clean up the water and prevent further damage.
Commons Insurance Questions:
Should I Make An Insurance Claim?
There are many factors that a homeowner must take into consideration when deciding whether to make an insurance claim or to "pay out of pocket" when a water loss occurs inside the home. The most important step when making this determination is to correctly identify the full scope of damage caused by the water. Many people mistakenly think that simply sucking the water out of the carpet is sufficient for fixing a water damage problem. In reality the majority of problems caused by water are not readily visible on the surface. Water is absorbed in to building materials such as wood and sheet rock at rates as high as one inch per hour! This moisture although not visible becomes a breeding ground for mold. In order to find this hidden moisture special tools called moisture meters are needed to help identify all of the hidden pockets of moisture. Once all of the wet building material has been found you can decide whether or not the damage warrants placing a claim. You should be skeptical of any company that tries to force you into making a claim on you insurance without first visiting your home. While placing a claim is often times the best choice for a home owner that decision should not be made until a full understanding of the problem has been determined by a qualified technician. Disaster Cleanup Services Services will come to your home for free and give you a FREE ESTIMATE** and ANALYSIS of the damage. Click here to make an appointment so that you can then make an informed decision on whether or not an insurance claim is necessary. .
Disaster Cleanup Services Services has working relationships with all major insurance companies. This helps make the difficulty of working through your individual insurance company much easier. In most cases we simply collect your deductible and then bill your insurance company directly. Most home owners have never placed a claim on their insurance policy before and by having us bill the insurance company directly you do not have to become an "insurance expert" to get things taken care of. Because we understand that having a water loss inside the home can be stressful Disaster Cleanup Services Services also offers customer support for any questions you may have Monday through Saturday 8 AM to 6 PM. In the event that you do not decide to place a claim with your insurance provider we typically require 65% down to start a job. The remaining balance must be paid upon the completion of the project. This allows you to make sure the that the work has been completed to your satisfaction.
24 Hour Emergency Insurance Phone Numbers
We have working relationships with almost every insurance company in the Colorado area. Because emergencies are never planned and often happen in the middle of the night when you can’t get in contact with your insurance agent we have provided a partial list of all major insurance carriers 24 hour emergency phone numbers:
- Allied - 800-282-1446
- Allstate - 800-639-7304
- American Family - 801-302-3210
- Bear River - 801-267-5099
- Chubb - 800-252-4670
- Farm Bureau - 800-226-6383
- Farmers - 800-435-7764 or 801-563-7300
- Hartford - 800-811-4832
- Liberty Mutual - 800-225-2467
- Philadelphia Insurance - 610-617-7900
- State Farm - 800-811-2356
- State Farm PSP - 888-556-3528
- Travelers - 800-227-1538 or 800-252-4633
- USAA - 800-531-8222
Can An Insurance Company Tell Me What Restoration Company To Use?
It is against the law for your insurance company to stipulate what company you can or can’t use to correct and problem inside your home. Sometimes insurance companies will use veiled threats stating that they can't guarantee that your loss will be covered if you do not use their recommended company. Their insistence for using "their recommended company" often benefits them more than you as the consumer. As a homeowner you always have the final say in selecting the company that will be working for you. Assuming that your loss is covered by your policy and the charges billed by your restoration company are "ordinary" and "customary" you have no need to worry! Disaster Cleanup Services is recognized by all major insurance companies and uses acceptable billing practices recognized by all major insurance providers. Boulder Disaster Cleanup Services.
Sewage is the most dangerous water loss inside a home. Sewage is classified as any type of material that originates from beyond the trap. Many people mistakenly think that when water comes up through a floor drain that it is not dangerous. This is incorrect, once water has entered the sewer line it has the potential to bring bacteria and viruses back into the home that are potentially deadly.
Do It Yourself!
Identify the Extent of Damage
The most important step in deciding whether or not to fix your water damage problem yourself is to correctly identify the full scope of damage caused by the water. Many people mistakenly think that simply "sucking" the water out of the carpet is sufficient for fixing a water damage problem. In reality the majority of problems caused by water are not readily visible on the surface. Water is absorbed into building materials such as wood and sheetrock at rates as high as one inch per hour! This moisture, although not visible, becomes a breeding ground for mold. Drying out the carpet only addresses half the problem, which means a small problem can turn into a very large problem without your even knowing.
Properly Categorize the Type of Loss - The insurance industry recognizes 3 types of water damage losses:
Category 1 Water Loss - Originates from a sanitary water source and does not pose substantial risk to humans from dermal, ingestion, or inhalation exposure.
- Example - If a culinary water line freezes and breaks or if someone forgets to turn off a sink and it overflows both would be categorized as a Category 1 loss. This water loss is not likely to make you sick unless it mixes with some other contaminant found inside the home, and is therefore the least damaging.
Category 2 Water Loss - Category 2 water can contain potentially unsafe levels of microorganisms or nutrients for microorganisms as well as other organic or inorganic matter. This type of loss posses an elevated for potential health risk.
- Example - This type of loss would include a washing machine that breaks and has dirty water that spills onto the carpet or a toilet water that overflows containing urine.
Category 3 Water Loss - Category 3 losses are grossly contaminated and can contain pathogenic, toxic and/or other harmful agents. Such water may contain silt, organic matter, pesticides, heavy metals, or toxic organic substances. Category 3 losses have the potential to cause serious illness and/or death. Category 3 losses include all water that originates from a source beyond the Pea Trap regardless of color or content.
- Example - Category 3 losses include sewage; toilet backflows that originate from beyond the trap regardless of visible content or color; all forms of flooding from seawater; surface water, RAIN WATER, or other weather related events.
How to Fix the Problem - Professional drying equipment should be used in all three categories of a water loss. Without proper drying equipment the risk for mold and bacterial growth will increase substantially.
Category 1 Water Loss - Carpets and pad DO NOT need to be removed. With proper drying equipment they can be dried in place. Sheetrock does NOT need to be removed unless it is structurally unsound (i.e. falling off the walls or ceilings). Any type of floor coverings such as vinyl, composite wood floors, or linoleum MUST BE REMOVED. The reason they have to be removed is if water is trapped underneath of them it is impossible to get the water out. This can cause the sub-floor to warp over time and will also facilitate mold growth.
Category 2 Water Loss - Padding must be removed to accelerate the drying process so that mold and bacteria do not elevate to unhealthy levels. With proper drying equipment the carpet can be dried in place. Sheetrock does NOT need to be removed unless it is structurally unsound (i.e. falling off the walls or ceilings). Any type of floor coverings such as vinyl, composite wood floors, or linoleum MUST BE REMOVED. The reason they have to be removed is if water is trapped underneath of them it is impossible to get the water out. This can cause the sub-floor to warp over time and will also facilitate mold growth.
Category 3 Water Loss - Anything that has been touched by Category 3 water must be removed from the structure regardless of the appearance of the water. In other words the water might be clear or gray in color and contain no apparent fecal matter and still be very dangerous. Carpet, pad, sheet rock, furniture, toys, and all other items must be disposed of. All remaining materials must then be pressure washed, disinfected and dried.
This information is designed to be informational and is not all inclusive. While deemed reliable any water loss inside the home should be done under the direction of a trained professional. Any use of this information is done at the risk of the consumer and Disaster Cleanup Services Services cannot be held liable for the use or misuse of this information.
**Call for details
Call Disaster Cleanup Services for all of your Disaster Cleanup needs! Call us in Boulder
at 303-351-1925 or fill out our online contact form.
24 HOUR EMERGENCY RESPONSE