TORONTO, May 18, 2017 /CNW/ - Floods can happen but don't panic! Here are some helpful steps to help homeowners manage a flood.
Find the source and stop it if possible: Not all flood sources can be stopped immediately and some require the help of a Plumber or other professionals. Either way, try to stop the flow of water into the home by turning off the main water to the house. The main water shutoff valve is generally located in the basement near the foundation wall.
Document and mitigate the damages: Drywall and flooring will become saturated in water or sewage during a flood. If not dried properly you will have a mould issue. Call a reputable restoration company that specializes in water damage mitigation to remove any necessary building finishes and dry the structure. Use websites like Homestars, BBB and Google to find reviews to ensure you are hiring a quality company.
Call your insurance company: Once the emergency mitigation is under way, call your insurance company to discuss opening a claim. A restoration company can help you determine if your loss could be covered, so talk to the them first. Once you open a claim, even if it is denied, it still counts as a claim on your file
Collect estimates for repairs: Your insurance company will suggest you hire a contractor from their preferred vendors list, but beware. These contractors work for the insurance company to save them money. When the insurance company is their customer, their job is to find ways to cut costs, which can result in subpar repairs. Obtain at least 2 estimates for the repairs. If there is a large discrepancy ask the contractors to compare the estimates and explain the discrepancies. You always have the right to choose who works in your home, so pick the company that works in your best interests.
Complete repairs: Depending on the severity of the damages, repairs will start about 1 month after the initial flood. The adjuster needs time to review the estimates, photos and documentation taken by the restoration company that completed the emergency services. Know that insurance companies will only pay to return a home to its pre-loss condition, not for any upgrades. If you request additional work, a reputable contractor can help you determine what is feasible and the costs involved.
SOURCE ProTech Restorations