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Posted by flood supportCarpetbuster/Cb Restoration Fire Water & Mold Damage Specialist 24hr at 5:25 AM
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Water damage describes a large number of possible losses caused by water intruding where it will enable attack of a material or system by destructive processes such as rotting of wood, growth, rusting of steel, de-laminating of materials such as plywood , and many, many others.
The damage may be imperceptibly slow and minor such as water spots that could eventually m ar a surface, or it may be instantaneous and catastrophic such as flooding. However fast it occurs, water damage is a very major contributor to loss of property.
One's homeowner's insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy. Often the verbiage of this addendum is similar to "Sewer and Drain Coverage."
Those individuals who are affected by wide scale flooding may have the ability to apply for government and FEMA grants through the Individual Assistance program.[1] On a larger level, businesses, cities, and communities can apply to the FEMA Public Assistance program for funds to assist after a large flood. For example, the city of Fond du Lac Wisconsin received $1.2 million FEMA grant after flooding in June 2008. The program allows the city to purchase the water damaged properties, demolish the structures, and turn the properties into public green space.[2]
Contents
[hide]
1 Causes
2 Categories
3 Classes
4 Restoration
5 Health hazards
6 References
[edit] Causes
Water damage can originate by different sources such as: broken dishwasher hose, washing machine overflow, dishwasher leakage, broken pipes, clogged toilet, leaking roof, moisture behind walls, foundation cracks, plumbing leaks, and bad weather (snow, rain, floods). As far as insurance coverage is concerned, most damage caused by bad weather is concidered flood damage and normally isn't covered under homeowners insurance. Coverage for bad weather would usually required flood insurance.
[edit] Categories
Water damage is typically classified into one of the following three categories:[3]
Category 1 Water - Refers to a source of water that does not pose substantial threat to humans and classified as "Clean Water". Examples are broken water supply lines, tub or sink overflows or appliance malfunctions that involves water supply lines.
Category 2 Water - Refers to a source of water that contains a significant degree of chemical, biological or physical contaminants and causes discomfort or sickness when exposed or even consumed. Known as "Grey Water". This type carries micro organisms and nutrients of micro organisms. Examples are toilet bowls with urine (no feces), sump pump failures, seepage due to hydrostatic failure and water discharge from dishwashers or washing machines.
Category 3 Water - Known as "Black Water" and are grossly unsanitary. This water contains unsanitary agents, harmful bacteria and fungi, causing severe discomfort or sickness. Type 3 category are contaminated water sources that affects the indoor environment. This category includes water sources from sewage, seawater, rising water from rivers or streams, ground surface water or standing water. Category 2 Water or Grey Water that is not promptly removed from the structure and or have remained stagnant for 48-72 hours may be re classified as Category 3 Water. Toilet back flows that originates from beyond the toilet trap is considered black water contamination regardless of visible content or color.
[edit] Classes
Class of water damage is determined by the probable rate of evaporation based on the type of materials affected, or wet, in the room or space that was flooded. Determining the Class of Water is an important first step, and will determine the amount and type of equipment utilized to dry-down the structure:.[4]
Class 1 - Slow Rate of Evaporation. Affects only a portion of a room. Materials have a low permeance/porosity. Minimum moisture is absorbed by the materials.
Class 2 - Fast Rate of Evaporation. Water affects the entire room of carpet and cushion. May have wicked up the walls, but not more than 24 inches.
Class 3 - Fastest Rate of Evaporation. Water generally comes from overhead, affecting the entire area; walls, ceilings, insulation, carpet, cushion, etc.
Class 4 - Specialty Drying Situations. Involves materials with a very low permeance/porosity, such as hardwood floors, concrete, crawlspaces, plaster, etc. Drying generally requires very low specific humidity to accomplish drying.
[edit] Restoration
Different removal methods and measures are used depending on the category of water. Due to the destructive nature of water, restoration methods also rely heavily on the amount of water, and on the amount of time the water has remained stagnant. For example, as long as carpet has not been wet for longer than 48 hours, and the water involved was not sewage based, you can usually save the carpet; however, if the water has soaked for longer, then your carpet is probably irreparable and will have to be replaced.[5] Water damage restoration can be performed by property management teams, building maintenance personnel, or by the homeowners themselves; however, contacting a certified professional water damage restoration specialist is often regarded as the safest way to restore water damaged property due to their training and extensive experience. Most are usually listed under "Fire and Water Restoration" and they can help speed repairs, whether for individual homeowners or for the largest of institutions.[6] Fire and Water Restoration companies are reg ulated by the appropriate state's Department of Consumer Affairs - usually the state contractors license board. In California, all Fire and Water Restoration companies must register with the California Contractors State License Board.[7] Presently, the California Contractors State License Board has no specific classification for "water and fire damage restoration." Hence, the Contractor's State License Board requires both an asbestos certification (ASB) as well as a demolition classification (C-21) in order to perform Fire and Water Restoration work.[8]
[edit] Health hazards
Slight discolorations on the walls and ceiling may go unnoticed for a long time as they gradually spread and get more severe. Even if they are noticed, they often are ignored because it is thought that some discoloration will occur as a part of normal wear and tear in a home. Molds spread throughout the living space leading to serious health consequences. Symptoms caused by mold allergy are watery, itchy eyes, a chronic cough, headaches or migraines, difficulty breathing, rashes, tiredness, sinus problems, nasal blockage and frequent sneezing.
[edit] References 1-877-71-FLOOD http://www.floodsupport.com/ 1-877-713-5663
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We are a family owned business. We are not a National Franchise, and we care about our customers. We understand the emotional, financial, and physical strains that fires and floods can cause on a person's life. We are here to help you through this difficult time. We will get your home back in order, deal with your insurance company directly, and bring some peace back to these hectic times. 24 hours a day, 7 days a week. If you need us, we are there.
Preparing for a flood is very important, but you should also prepare for handling the aftermath of the storm. Flood damage is a like a time bomb, and to prevent mold or structural damage you must do everything you can to quickly and concisely and as soon as possible. To help you learn how to handle this situation, we've put together this list of what to do after a household flood.
1. Do Not Re-Enter
After leaving the flooded home, do not re-enter until trained emergency workers tell you it is safe. Floodwaters can harm or damage the foundation of your home and make it an unsafe structure to reenter.
2. Take Caution When Eating
Don't eat or drink anything that has been in contact with flood water. Flood water can and usually does contain unsanitary materials and residue which is not safe to ingest.
3. Remove Water Blockage
If you put sandbags or other blocks around your home to keep water out, remember they may also be holding water in after the flood. If the structure is safe, open windows, doors, and remove blocks to let some water out. Only approach or touch flood water or flooded areas in proper attire, (gloves, mask, boots, water proof jacket, goggles, etc).
4. Flood Insurance
If you had flood insurance, don't move or touch anything until you've contacted them. This is because they must come and observe and assess the damage in it's original state. Also be sure not to throw out anything that should be checked by the insurance associates as well.
5. Take Pictures
As hard as it is, having thorough documentation of the flood is likely to come in handy. Go throughout the home and take pictures of any and all flood-damaged areas. Check ceilings, walls, and floors diligently to make sure you don't miss a thing.
6. Watch The Kids!
It is imperative not to let children play or touch anything that floodwater has. Even if the floodwater resigns from an area, that area still has infectious bacteria that are dangerous to you and yours. Be sure to sit children down and thoroughly discuss and explain the dangers of floods, floodwater and the aftermath.
7. If You Must Leave
If for any reason you need to leave your flood-damaged home (to go to a hotel, friends, or get something to eat) be sure to secure the house before you leave. Lock all windows and doors, and try to cover up and holes or unstable structure. Although it's regrettable, looters have been known to target flooded areas for undamaged materials in unsupervised homes.
8. Call A Professional 1-877-71-Flood http://www.floodsupport.com/
If you're unsure about the water damage to your home or have water still residing in the basement or other area, call in some help. Water damage specialists can help you with a multitude of things from assessing damage, to removing water, to cleaning up the mess it leaves. Your insurance may even pay for this work as it's preventive work that could save them money
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