Living in the sub-tropical climate of Southwest Florida, you know about the risk of flood damage from major weather events such as tropical storms and hurricanes. Florida is a flood-prone area, and it shows in the insurance rates many Floridians just like you pay for flood coverage. Those rates are expected to increase according to the latest information from the National Flood Insurance Program and continue to go up, every year, by about $120 annually.
That’s not the only way your home or business in Southwest Florida can become damaged: fires, mold exposure, or physical damage due to wind or falling debris can all have devastating effects on your property. When you’re dealing with property damage, your to-do list seems never-ending and your stress is heightened. The last thing you want to do is have to spend hours wrangling with your insurance company to make sure your property damage claim is covered. In this article, Spectrum Cleaning & Restoration of SWFL will go through the process of what to expect when making a claim to repair property damage and explain how we can help.
Safety should be your primary concern.
If your property has been damaged due to a disaster such as a major weather event or fire, then you need to make sure emergency response protocol is followed. Just follow these steps:
- First and foremost you need to account for all people and pets in the home.
- Shut off the water at the main source in the event of a burst pipe.
- Cut off the power in the event of a flood.
- Call the authorities if a crime has taken place.
Even after any emergency situation has been handled, you want to pause before re-entering your home until you’re sure it’s absolutely safe to do so. This is where the services of a qualified and experienced disaster relief company like Spectrum Cleaning & Restoration of SWFL can be so valuable. One of our technicians can determine whether it is safe to enter your home or if there is still a significant risk. In the event of a flood, for example, your home or business may have sustained significant structural damage that might be difficult for an untrained novice to detect, but we have the right tools to let you know the extent of that damage.
This is merely the first step you should be taking after a major disaster. Over the next few weeks we will cover each step so that you don’t miss something that will allow the insurance company to say no to covering damages due to a technicality.