Recent Storm Damage Posts
Homeowners May Qualify for FEMA Assistance
Homeowners Should Know Disaster Assistance Options
When a community is hit by a tornado, hurricane, tsunami or other storm and suffers from devastating flooding, the U.S. president may officially declare Raleigh, NC, a disaster area. This declaration allows the Federal Emergency Management Agency (FEMA) to offer federal assistance to those affected by the disaster.
Federal assistance is available to you when certain eligibility requirements are met: the home is in an area the president has officially declared a disaster; someone in your home is a US citizen, non-citizen national or qualified alien; the damage is to your primary residence; you cannot access or live in your home in its present condition; and expenses incurred related to the disaster are not covered by insurance or other sources.
Qualified Households May Be Eligible To Receive Federal Assistance
When you meet the federal requirements, FEMA may be able to provide assistance in the following ways:
• The cost of a hotel/motel room may be covered when flood waters make it impossible for you to access your house or live in it for a short time, or rental assistance may be available for an extended period of time while repairs are made or other housing is established.
• If your home and belongings have water damage and need repair by a professional restoration service provider, financial support may be available.
• Other expenses as a result of the flood may be covered as well: medical/dental, funeral, childcare, vehicle repair/replacement, and moving expenses.
Casualty Survivors May Apply for Assistance
You may apply for federal assistance before you file an insurance claim, but don’t forget to contact your insurance provider as soon as possible. After you apply for federal assistance, a home inspection may be needed to assess your property damage; an inspector should schedule an appointment with you. Inspectors, wearing official photo identification, make an assessment of the property but do not decide if you will receive assistance.
Homeowners Should Know Disaster Assistance Options
When you survive a major storm, the resulting damage may cause devastating consequences, but being well informed of your options for assistance can lessen the turmoil. FEMA assistance may be one of the options that you can depend upon. For more information, visit http://www.SERVPROeastraleighzebulon.com/.
Why Your Business Needs Flood Insurance
Even the most prepared business owners may be hit by a flood.
Floods are one of the most commonly declared natural disasters, but many Raleigh, NC, business owners are not prepared for the damage a flood can do to their establishment. Even just a few inches of water can damage walls, inventory and equipment. Most natural disasters are covered under commercial insurance policies, but flooding typically is not. Nobody wants to find themselves in water up to their knees and then come to find out they don’t have flood insurance.
What Is Considered a Flood
When water affects at least two properties or 2 acres of land, it is usually considered a flood. Flooding is water that inundates an area, whether it be from snow melt, heavy rain, dam breakage, overflowing rivers or other water-related issues.
How To Know If You Need Insurance
If your business is on a lower level, you are definitely at a higher risk for flooding. Knowing if you reside in or near a flood zone will also help you assess your risk of flooding.
What Is Not Covered
There are some losses a business can experience that insurance for floods will not cover:
? Income loss due to business not being fully operable
? Company vehicles
? Septic systems
How Soon Coverage Starts
There is usually a 30-day waiting period from the time you purchase coverage until the coverage goes into effect.
How Much Coverage Is Available
Commercial flood insurance can protect your business whether it be large or small. Most commercial policies provide up to $500,000 for inside contents and $500,000 for the building. Here are the most common items covered:
Your insurance company will work with flood remediation professionals to clean items, repair water damage and assess which belongings are a total loss.
What If More Coverage Is Needed
If your property is valued above the national limits, you can get additional coverage by purchasing an excess flood policy.
Even the most prepared business owners may be hit by a flood. Knowing that your business is covered with flood insurance can provide piece of mind should such a disaster happen. For more information, visit http://www.SERVPROeastraleighzebulon.com/.
A Flood Cut Is Your First Step to a Dry Home
Powerful stormy weather, such as the recent torrential rainstorms in Raleigh, NC, can wreak havoc on homes causing flooding and related damage. Homeowners can be left to face the tumultuous project of restoring their residences. There are often many factors to consider for a safe and effective clean-up, such as the degree of water penetration throughout the house. Water damage specialists can be a vital resource in combatting the effects of water inside your house. They are usually trained to analyze and determine how much damage your home has sustained and put you on specific path to normalcy.
What Is a Flood Cut?
Once it is determined water has compromised the walls, it may be necessary to perform a flood cut. A flood cut typically follows specific steps:
• Determine and mark the water level throughout the home. This water line may vary based upon the degree of flooding.
• Mark again at least 12 inches above the noted water line mark, which is the flood cut line.
• Slice and remove the dry wall at the flood cut.
For example, if the water level stopped 4 inches from the floor, a flood cut could be created 16 inches from the floor.
Why Is a Flood Cut Helpful?
Once the flood cut is performed, the specialists can tear out any affected materials behind the wall, such as insulation. This is often necessary to alleviate the possible development of mold and mildew. Water damage specialists can remediate mold contamination so residents can be free of concerns.
Flooding within your home may feel invasive. Personal property can be harmed as well as the structure itself. The emotional toil may be overwhelming, as well as the process of restoration. A flood cut can help create a barrier against continued water intrusion. If you experience a problem, work with a professional restoration company to put your home back in order. For more information, visit http://www.SERVPROeastraleighzebulon.com/.
Does Your Home Need a Flood Cut?
When dealing with contamination after major flooding, you may hear your restoration specialists mentioning something called a flood cut. To anyone without a lot of experience with flooding or the work that goes into restoring a home afterwards, this phrase may sound strange. What is a flood cut? Why and when is it necessary? The answers to those questions can help you decide on the best options for repairing your home.
1. What Is a Flood Cut?
A flood cut occurs when the contractor has to cut into the drywall of your Raleigh, NC home. The cut is usually made about 12–18 inches above where the flood line ends. Then, the drywall is taken completely out of the wall. The point of a flood cut is to remove the damaged wall and also to make sure that there is no moisture trapped behind it. Any and all mold and contamination can then be cleaned up as a result of the tear out.
2. Is a Flood Cut Necessary?
The answer to this question is "not always." Some flooding damage may be caused by clean water. This is water that doesn't contain any contaminates. If this is the case, then the specialists may do everything they can to fix the wall. However, if your flooding was caused by a backed-up sewer line or if it is contaminated with harmful pathogens, then the best course of action is a flood cut.
If your home has been recently flooded, then odds are you’ll have some damage to your home. Mildew and mold can grow fast, but often the contamination won’t be so extensive that you need a tear out. However, in cases of black water flooding, it’s imperative that you have a flood cut. When it comes to deciding which course of action is necessary, however, you should always have a consultation with professionals. After all, it’s better to be safe than sorry.
Visit http://www.SERVPROseraleighgarnerzebulon.com for more information on storm damage.