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What You Need to Know When Making a Post-Flood Insurance Claim

If your home was damaged in a flood, whether it was due to a burst pipe, a crack in the foundation of your house, or a heavy rainfall, you’ve doubtlessly looked into whether or not your homeowner’s insurance will cover the cost of the cleanup. The way you describe the damage to your home to an insurance adjuster will determine whether or not your provider will cover the cost, which is why it is extremely important to call a reputable emergency flood services company like Flood Services Canada first. We will accurately identify and locate the source of the flood, then relay this important information to your insurance provider.

As the leading provider of water damage cleanup in the Greater Toronto Area, Flood Services Canada tells their clients it is important to know all they can aboutmouldand water damage and what they mean for your home before attempting to make an insurance claim. With the heavy rains the GTA experienced this summer, many insurance providers have seen an influx of claims, making it important that you learn all you can about the damage that water can cause to your home before you make a claim for water damage cleanup.

Mouldis caused by microscopic spores that belong to the same group as fungi. They require a warm and moist environment to grow, making a basement that has experienced a flood the ideal place for this to happen. If mould is allowed to grow unchecked, it can cause damage to your home, as well as a variety of health problems; if anyone in your family suffers from respiratory ailments, such as asthma, it can aggravate the conditions.

If your home was damaged in a flood, whether it was due to issues with plumbing or the result of a torrential rainfall, you must dry it out immediately. As a provider of water damage cleanup, we can be at your home quickly following a flood and remove the water, as well as dry your basement so mould won’t have a chance to set in. One of the biggest myths is that you have to wait for the emergency service company that your insurance company provides you. This is absolutely false; you may use any emergency flood cleanup company of your choice. However, make sure they are reputable and certified like Flood Services Canada. The damage from your flood will be reduced the quicker you get someone out there, so do not delay in calling an emergency service provider!

When making an insurance claim, the adjuster will want to know what caused the flooding to determine if your homeowner’s policy will cover the emergency cleanup and repairs. As a provider of water damage cleanup, we can find out what caused the flood and let you know the facts so that you can make an informed decision about whether to file an insurance claim.

Insurance providers will typically provide coverage for damage due to mould or water if it is related to an insured loss. You must determine the exact cause of the flood, since your insurance provider will likely send an adjuster to confirm the damage and determine if the mould was pre-existing; if they determine that it was, they will not cover the cost of water damage cleanup. That is why it is important to have your basement cleaned if there is a flood, because it may go from being a project that’s affordable to one that costs thousands of dollars.

What’s more, your claim may be declined if the adjuster determines that the damage was caused by other factors, such as poor ventilation or maintenance. Insurance policies are made to cover the cost of water damage cleanup and restoring items that were damaged in a flood. Further, your homeowner’s policy may or may not cover the cost of cleaning up, depending on a number of factors.

Regardless of whether the damage is covered by your insurance, call Flood Services Canada for water damage cleanup. We provide high-quality services at affordable rates.

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Chad Vanvari

Chad Vanvari has over 20 years of experience as a cleaning & restoration professional. He started out in Montreal, establishing a commercial carpet cleaning company in the early 1990’s. By 2001, Chad had relocated to Toronto and now had extensive knowledge and experience in responding to fire/water related emergencies. He has been instrumental in the cleanup of several catastrophic floods. Currently, Chad is the president and owner of Flood Services Canada, a 24/7 emergency service restoration company.