With years of experience in the industry, WFM Associates is the trusted name in restoration in Roseburg, OR. Our IICRC certified technicians follow industry standard procedures for quality you can count on. We offer 24-hour emergency service and can work directly with your insurance provider to make the process as easy as possible for you.
Insurance coverage is very situationally dependent. Each policy from each different company will have different levels and types of coverage. The best way to know if your damage is covered is to keep a copy of your policy on hand and call your agent directly with any questions you might have.
As a homeowner, seeing your home damaged is extremely stressful and it's difficult to know the right course of action. Will trying to clean up on your own help or just make things worse? No matter what kind of damage you've incurred, the very first thing you should do is take photographs as long as the area is safe for you to be in. If you have water damage, the best thing to do is extract as much standing water as you possibly can while you wait for help. If you have fans, set them to start drying things as much as possible. They won't be enough to completely dry the area, but they can help to minimize the chance of secondary damages. In the event of mold or fire, it's best to just leave the damage alone until a professional can address it. Disturbed mold can disperse spores throughout the home and fire damages can be made worse if improper cleaning techniques are used.
The length of time for proper restoration to occur is dependent on the type and size of the damage. A typical water damage project usually takes 5-7 days for drying and removal of any unsalvageable materials. Mold remediation can take anywhere from a few hours to several days depending on the extent of the damage. Fires cause the most extensive damage and can take weeks for restoration to be completed. Keep in mind, these are all estimates and they're only for the restoration portion of the job. The rebuilding portion of the job, where everything is put back into place, has its own separate process and timeline.
Most homeowner's policies cover most water damages, but not all water damages are created equal. There can be a lot of exceptions to coverage depending on the intricacies of your policy. This is why it's a good idea to be familiar with your policy and call your agent right away when a damage occurs.
A good portion of water damage can be prevented by proper household maintenance. Routine plumbing maintenance as well as sump pump and appliance maintenance are effective ways to avoid preventable damages. If you live in a cold climate, preparing your home for the winter can also help avoid damage. Finally, it's a good idea to regularly check the exterior of your home, particularly your roof, for damage to ensure water isn't unexpectedly leaking into your home.
Water damage insurance claims depend on a few different criteria. Ultimately, that's a question you'll have to clarify with your insurance company. However, we can tell you that the viability of water damage insurance claims depends primarily on what caused the damage (storm, burst pipe, plumbing malfunction, localized flood, sump pump failure, etc.). Some insurance policies will outline scenarios that will NOT be covered without specific riders like flood insurance, or sump pump failure insurance.
Contacting a restoration contractor as well as your insurance adjuster at the same time is a good idea, because the restoration contractor will help make sure that not only will the water extraction and dry out be covered, but the rebuild process that should follow. If the full scope of the claim isn't outlined and agreed upon from the start, there may be issues down the line, and property owners may find themselves having to pay out of pocket to get the property completely back to normal.
That depends on the types of materials that were affected by water. Drywall, carpet, and hardwood floors will take longer to dry than other materials in the space. We use moisture meters throughout the process and in many different locations to gauge the moisture levels and will continue to adjust our fans and dehumidifiers to achieve an efficient but effective dry time. The bare minimum of "three days to dry" may only produce a surface dry, but can still leave behind moisture levels that create an ideal environment for mold to grow.
Most homeowners start trying to remove the water themselves before they realize they'll need to contact their insurance company about a claim so they can call in a water damage restoration company. However, standing water around anything with a power cord or outlet or sagging ceilings make the area unsafe. Also, many insurance claims require documentation of the loss BEFORE any work is done, including removing the water. Always take plenty of photos of the damage you see before taking any action to start cleaning up the mess. Your restoration contractor will be able to back up your insurance claim scope with the necessary technical documentation as well.
If the water damage involves Category 1 water (clean and free of microbes and bacteria), many of your personal belongings can be salvaged. Category 2 water would include other water sources, including rainwater, that, while not containing biohazards or sewage, still pose health risks and the potential for destructive microbial growth and mold. A water damage restoration technician will help you sort through the contents of the property to determine what can be safely dried, what can be restored by a textile/contents technician, and what can't be saved or salvaged. There are off-site facilities in the area that specialize in restoring water-damaged contents. Your restoration team will document all of the contents leaving the property for restoration or disposal for your records and also for reimbursement from your insurance company.
Identifying the source of the water damage is one of the first steps in both the insurance claim process but also before beginning to dry out and repair the damaged areas. After all, if you replace a sagging, wet ceiling that was caused by a roof leak but don't fix the roof, too, the next rainstorm will start the cycle all over again. The buckling to your hardwood floor could be caused by a leaking pipe. We will pinpoint the exact cause of your water damage and make sure the source is repaired. We make sure your restoration job is done right the first time.
*Disclaimer: WFM Associates is a resource for everything related to disaster and damage restoration, including water damage restoration, fire damage restoration and mold remediation. Any information you submit on this website will be used to help match your needs with an restoration company in your area. If you need immediate or emergency assistance, please contact a restoration company in your local vicinity. WFM Associates is in no way endorsed by any business listed and is not affiliated with businesses listed on its website. The information on this website is solely for the purpose of informing our potential customers about options available when choosing disaster and damage restoration services in your area. The information shown regarding each restoration company is as accurate as possible. Information and features are subject to change.