A guide to restoration after water damage

Any structure that has fallen victim to water damage requires immediate attention, not only to save and possibly restore affected contents but to prevent the spread of water damage and mould formation. While some types of water damage may be minor in scope and remedied with self-help measures, more severe water damage may require professional intervention.

Extent of flood damage and insurance coverage

Access the extent of flood damage
When an area of a home or structure is damaged by flood water, an objective assessment of the flooded space is necessary before determining a course of restorative action. Minor incidences of damage caused by flood water can often be repaired quickly by simply enabling the evaporation of flood water and drying interior building contents, while extensive flood damage can result in the total loss of possessions and major structural repairs. The specific knowledge of an individual homeowner's expertise in construction trades plays a large role in determining if the flood repair can be realistically undertaken. Insurance coverage
Not all flood damage to a home is covered by insurance - in fact, in many countries, a specific insurance policy attachment is required for a structure damaged by flood waters to be eligible for compensation. If a property owner has this added insurance coverage, it is usually sufficient to compensate for flood restoration costs. In cases where no flood insurance is present, a homeowner may have no alternative but to attempt to fix water damage themselves.

Professional intervention versus DIY

Professional restoration companies
When a structure is covered by flood damage insurance and an incident occurs, an insurance adjuster is usually sent to the location to examine the extent of the damage and audit the required corrective actions. Usually, an insurance adjuster works closely with a number of flood damage restoration companies and can recommend a water damage contractor who will begin repairs with no upfront costs to the homeowner. Monies for repairs can be disbursed in one of two ways - either directly from the insurance company to the contractor or assigned to the policy holder, who in turn pays the contractor in accordance with a contractual agreement. Performing your own flood damage repairs
When a property owner performs their own flood damage repairs either by choice or necessity, a sound game plan is required before any action is undertaken. This should include removing all interior contents from the building to be dried, cleaned and stored until structural repairs can be addressed. Once this is completed, the next step is to dry, repair or replace carpet, flooring, drywall, electrical components and appliances to original condition. This process can be shortened considerably in length by enlisting friends and family members to aid by providing labour.