Is Water Removal Covered Under Homeowner’s Insurance? | Water Removal Company

The last thing you want to deal with after your home has flooded is to fight with your homeowner’s insurance about covering the costs of the water removal company and damages to your personal property. However, insurance companies know that water damage happens frequently. If they had to pay out for every single water damage claim that homeowners experience, they would be bankrupt in no time. Homeowners need to understand what their coverage limits are and if they need to purchase additional flood insurance, especially if they are in a high-risk area such as places where the water table is high, or on the coast where hurricanes and tropical storms occur.

Personal Property and Water Damage

Anytime you have a flooding issue in your home, you will have damage to your personal property. Water is very powerful, even standing water, and when your belonging become saturated, even a water removal company can’t always save them. Your homeowner’s insurance may reimburse you for personal property such as

  • Electronics such as computers, televisions, gaming systems.
  • Jewelry and clothing
  • Household appliances
  • Furniture
  • Decorations and home accessories such as lamps, artwork, window treatments, chandeliers, ceiling fans
  • Other personal property

Some policies will not cover valuable collections such as fine art or jewelry, antiques, or firearms, and your insurer may require you to purchase additional coverage for these items.

What Events Are Not Covered By Homeowner’s Insurance?

Your insurance covers your personal property but does not cover it in all cases. The most common exclusions are claims caused by flooding, power failure, normal wear and tear, neglect, government seizure, an act of war, intentional loss, acts of God, or poor maintenance. However, there are many cases where water damage is covered including water damage caused by

  • Fire or lightning
  • Explosions
  • Rioting or civil disturbance
  • Aircraft or vehicular damage
  • Windstorm or hail
  • Vandalism
  • Water leaks from plumbing and appliances
  • Frozen pipes
  • Falling objects
  • Power surges

You should always check with your insurance agent before calling a water removal company to ensure that your insurer doesn’t have restrictions on approved vendors. Make sure to ask questions, and you understand what your coverage limits are before purchasing your homeowner’s insurance policy, and if your insurance provider has preferred vendors, keep those phone numbers handy!

Water Removal in Greater Pittsburg

If you need water removal company services, contact ServiceMaster of Greater Pittsburgh at 412-528-6077.

Top Causes of Commercial Water Damage | Water Damage Cleanup

One of the most devastating situations a business owner or manager can walk into is a flood that requires immediate water damage cleanup. Even small flood issues can cause a delay in your business which means a loss of revenue which is why knowing the causes of commercial flooding and how you can prevent them. You will also find out what to do and who to call in case of a disaster.

  1. Broken Pipes- The pipes in your building can become broken or damaged for several reasons—freezing temperatures, sudden changes in pressure, or rusted-out pipes just to name a few. Most floods that require water damage cleanup due to busted pipes could have been prevented if the leak were caught early in most cases. Look for water spots on your ceilings and walls, cracked tiles or drywall, or musty smell and then have a plumber come out to fix the pipe leaks.
  2. Roof Damage- The signs of a leaky roof are much the same as with broken pipes. You might notice a few brownish or yellowish spots on the ceiling, where the walls join or even feel small drops of water falling from the ceiling. Roof damage can be easy to fix if you catch the small drips right away. When the entire roof system fails and your business is flooded, water damage cleanup becomes much more complicated.
  3. Damaged Sprinkler System- Many businesses must have an in-house sprinkler system that activates in case of a fire. Your insurance or city ordinance and state law might require this system also; however, the system meant to put out a fire can cause a big flood. A leaking, faulty, or failed sprinkler system can output quite a bit of water at a fast rate.

There are a few other common reasons flood damage occurs in businesses including natural disasters, problems with the HVAC, leaking or broken windows, and wastewater from sewage backups. No matter what the reason for the flooding in your business, ServiceMaster is here to help.

If you need water damage cleanup in the Greater Pittsburg area, contact ServiceMaster at 412-419-3253.

Water Damage Services | Why Does My Basement Flood in the Winter?

While it may still be sunshine and warm weather, winter is going to be here before you know it and homeowners should be prepared. You might think that water damage services are needed the most in the spring when there is a lot of rain, but flooding can happen all year round and winter is a busier time than ever. If you have often found yourself wondering why your basement always floods in the winter, we have some possible reasons for you!

  1. Burst Pipes- One of the most common reasons for needing water damage services during the winter is flooding due to burst pipes. When the temperatures outdoors drop below freezing, the water in the pipes will freeze which is why leaving the tap on a trickle is suggested on the coldest days. When the water freezes, it expands, building up the pressure inside the pipes until they explode. The flooding is instant when pipes burst and can cause catastrophic water damage.
  2. Ice Dams- Another common cause of basement flooding is ice dams and snow blockage in the drains or gutters. After a snowstorm when the top layers of ice and snowmelt, they need somewhere to go. When the bottom layer is frozen still and blocking the drains and downspouts, you can find leaks begin to happen throughout your home, including the basement.
  3. Improper Grading- Your home should sit on your property in such a way that the land slopes slightly away from the foundation of your home. Proper grading is necessary to prevent water from pooling around the foundation of your home and seeping into the basement. Improper grading can lead to cracks in your foundation and other problems that require more than water damage services to repair.

No matter what the reason for your flooding issues in your basement, when they happen, you need help mitigating the disaster quickly. That is where the professionals come in handy.

If you need water damage services, call ServiceMaster of Greater Pittsburgh at 412-314-3832.

Mold Removal in Pittsburgh | Quarantined in a Moldy Home?

The world has changed quickly, and people are having to learn to live lifestyles they never thought they would have to such as being quarantined or have restrictions in place on businesses. One of the things people don’t realize is how dangerous staying home can be for some. Older homes are often at risk for mold growth which can be detrimental to asthma and allergy sufferers. If you spent a lot of time outside of your home pre-covid and are now quarantined and finding your symptoms much worse, you could have a mold problem in your house. The best way to mitigate this problem is to hire a company that does mold removal in Pittsburgh; however, until you can get an appointment, there are some precautions you can take.

  1. Open Windows- If the weather permits it, keep the windows open as much as possible to air out the home and increase air circulation.
  2. Replace the Air Filter- If your air filter is dirty you may feel better after replacing it. Air filters are mostly useless if they are clogged up with dirt and not filtering out allergens. A HEPA air filter is also the best kind.
  3. Decrease Humidity- Every company that does mold removal in Pittsburgh will tell you that your humidity levels will have the biggest impact on mold growth. Ensure your HVAC system is programmed to keep humidity levels below 50% to prevent mold growth. You can also check out mobile dehumidifiers if air circulation and humidity control in your home is a problem.

The EPA recommends that any time mold is covering more than 10 feet of space you should seek out professional mold removal in Pittsburgh. Mold can be very dangerous for your health and your pets as well. Respiratory illnesses and allergies can be triggered or exacerbated by mold in your home which makes fast mitigation essential for wellness.

If you need mold removal in Pittsburgh, contact ServiceMaster at 412-376-4645.

Water Damage Restoration | Why Standing Water is So Destructive

When natural disasters occur, the aftermath is often devastating. Not only will there often be structural damage to a home, but standing water will also be a big problem as well. No other restoration on a home can begin until water damage restoration is underway. Standing water poses significant health and safety risks to homeowners and families which makes removing water as quickly as possible vital.

Most people understand the risk of electrocution that comes with having standing water in the home but there are a few other uncommon risks you need to worry about.

  • Bacteria- Standing floodwater is dangerous because it is often full of contaminants and bacteria. Sewage mixed with standing water creates even more risks when it comes to bacteria which can lead to illness or infection.
  • Mold and Mildew- When flooding occurs mold growth is always a huge risk. Water damage restoration companies often provide mold mitigation services when they clean out water because mold and mildew is so common with standing water.
  • Viruses and Parasites- Stagnant water is the perfect breeding ground for viruses that are carried by insects such as mosquitoes. Parasites such as giardia and entamoeba also exist in standing water and are commonly found in grey water and sewer water.
  • Structural Damage- Water can cause severe damage to the structure of your home including causing wood and drywall to rot or swell. Carpets and flooring are often ruined by standing water and need to be completely replaced during water damage restoration.
  • Pests- Insects such as mosquitoes breed in stagnant water and carry deadly diseases such as Zika, West Nile, and Malaria. Rodents are also attracted to areas of standing water and are a pest as well as a health risk.

Standing water is exceptionally destructive and hazardous for all the reasons above and more. These reasons make it vital that water damage restoration begins as soon as possible after a flood or accident. You need a professional team that can mitigate the damage safely, quickly, and efficiently.

ServiceMaster of Greater Pittsburgh is here to help with all of you water restoration needs. Call us today at 412-376-4645.