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Fire & Water - Cleanup & Restoration

The Longer You Wait for an Adjuster, the More Damage You May Cause to Your Home

7/27/2021 (Permalink)

flood cuts performed in drywall, debris on floor, air movers placed on damaged area. Storm water damage in a home in Spaulding Square, CA.

The Longer You Wait For An Adjuster, The More Damage To Your Home You May Cause

If your home was recently damaged by a flood, your first instinct may be to call the company that holds your flood insurance policy. While there is no harm in doing so, there IS harm in waiting for an adjuster to arrive before calling your Spaulding Square, CA, flood damage restoration team.

Adjusters are busy in the aftermath of a natural disaster, and it may be days or even weeks before someone can get to your home. Even just a few days of doing nothing can have a devastating impact on your home's structure and your personal belongings. If your home was recently in a flood, call for help immediately. Here are three good reasons why:

• Mold can grow within 24 to 48 hours. The longer you wait to start the remediation process, the greater the risk of mold damage.
• Bacteria growth is another very real possibility. If you wait too long to clear your home of standing water and the contaminants it causes, you put yourself and your loved ones at risk for bacteria-borne illnesses.
• Your flood insurance company may be overburdened. If your home was flooded because of heavy rains or snowfall, chances are that your neighbors' homes were flooded as well. It may be weeks before an adjuster shows up at your door.

The Sooner You Start the Process, the Better

Many homeowners are hesitant to begin the flood remediation process without their insurance adjusters' approval for fear that the company will deny the claim after the fact. While there is the possibility of such a thing happening, it's a very small possibility. Moreover, an insurance company is likely to approve a claim for minimal damage and repairs than it is to approve a claim for excessive damage.

Flood insurance can be a great thing, but too often, homeowners use it as a crutch and will not approve necessary repairs until after the adjuster has approved of them as well. While this is understandable in some instances, it can be detrimental when it comes to flood damage. If your insurance company is backlogged, don't wait for it to start the remediation process. Acting as soon as possible could save you thousands of dollars in the long run.

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