Recent Storm Damage Posts
Flood Damage Claims: A Step-By-Step Guide
If you have experienced a storm damage in Santa Maria, CA contact an adjuster
Did you recently experience a storm in Santa Maria, CA, that left your home with flood damage? If so, and you have insurance coverage for such an occurrence, you need to make a flood claim as soon as possible. How can you go about doing so? Follow these three steps to make sure that your insurance claim is properly reported.
1. Contact an Adjuster
The very first thing that you need to do is contact the adjuster for your flood policy to report the destruction. If you do not have flood coverage, this would be the time to contact any applicable government agencies for information on available assistance, as your homeowners’ policy will not likely cover anything related to flooding. If you are in a designated disaster area, there may be federal aid available.
2. Clean and Recover
You will want to begin cleaning and salvaging your house and items before the insurance representative arrives. This could be a good time to contact a restoration company to help you with any water damage or drying that is needed as a result of the flood. Just make sure to take pictures of damaged items and areas of your property to show as proof of loss. Cleaning the building and recording everything makes the adjuster’s job easier when assessing the situation.
3. Prepare for the Adjuster’s Arrival
In case the representative assessing damage related to your flood claim arrives when you are not at home, be sure to leave your contact information for him or her. Understand that you will likely sign a proof of loss statement before your claim is approved. If more damage is found later on, that will be added to the insurance company’s record.
Preparing for a flood claim when you are dealing with the emotional aftermath of a natural disaster is anything but easy. Having a plan in place and being educated about what your insurance company needs from you will help things go more smoothly at the time of the assessment.
The Cost Difference Between Mitigation and Restoration During a Flood
Commercial Company flooded and needing Remediation
Floods continue to be the most prevalent and expensive natural disaster in America. While preventative measures provide quicker and less expensive alternatives to the cost of hiring a flood cleanup company, many property owners do not mitigate against flood damage. This results in high costs and a lengthy restoration process.
One of the best preventative recommendations for flood damage is flood insurance, which property owners may purchase through the National Flood Insurance Program, managed by the Federal Insurance and Mitigation Administration (FIMA), for an average of $700 per year.
Some other preventative methods include the following:
- Sealing basement walls with compounds that are waterproof
- Installing reflux valves to prevent drains from backing up
- Moving heat and electrical sources to higher levels
- Backing up data to the cloud
- Making a flood plan, including work-from-home opportunities
Once in place, these measures offer protection, year after year. Even better, property owners can usually have the cost partially or fully covered by FIMA.
In contrast, property owners who did not take preventative measures must hire a flood cleanup company out of pocket. Every day the business is closed is a day of income lost, while the company may have salaried staff to pay.
Drying out the business may take the restoration company a few days, and this can only begin after the flood waters recede. Restoration to pre-flood conditions may only require an additional few days, but in worst case scenarios, it may take a business a while to completely rebuild. Not surprisingly, FEMA estimates that 40 percent of small businesses, many of which do not invest in preventative measures, fail to recover from natural disasters.
When it comes to flood damage, prevention is always better than a cure. Sure, a reputable flood cleanup company may restore your place of business in a matter of days, but investing in proactive measures is the best approach to natural disasters in Santa Maria, CA.
How To Prepare for Flood Damage
How To Prepare for Flood Damage
Flooding can happen throughout the year and can be devastating to a commercial building, leaving damage that takes a significant amount of time and expense to undo. There are several steps you can take to prepare your Santa Maria, California building to survive and recover from storm damage. Preventative measures can reduce the amount of flood damage and make it easier to restore your building to operational use as soon as possible.
1. Clean the Gutters
Flooding doesn’t always mean there are several feet of water in a building. Even a few inches of water inside a commercial building can cause substantial damage. Floodwaters can build slowly over several days or may rise extremely quickly in the event of a flash flood.
No matter how much rain is falling, well-maintained gutter systems have a much better chance of diverting that water to proper drainage areas. If the gutters are clogged with leaves, dirt, and other debris, the water can overflow the sides and saturate the ground around the foundation, increasing the risk for damage. Make sure to check and clean the gutters on a regular schedule to ensure they work properly during a flood.
2. Maintain the Storm Drains
Like gutters, storm drains are designed to move water away from streets and buildings. While the local government or county is usually responsible for storm drain maintenance, you may be required to report issues with the drains on or near your property. If you see something amiss with a storm drain, report it to the authorities immediately.
3. Have a Response Plan
Make sure you’re ready to react quickly in the event of flooding. During a flood watch or warning, follow basic safety guidelines:
Listen to the TV or radio for weather updates
Gather an emergency preparedness kit
Move to higher ground
Avoid walking or driving through flood waters
Keep the number for restoration professionals handy so you can call them if your building sustains storm damage. You will want to do this as soon as possible to begin cleanup and repairs. Responding quickly to flood damage can help get your building back to normal operations. Visit http://www.SERVPROsantamaria.com for more information on flood damage.
When Storms or Floods hit Santa Maria SERVPRO is ready!
SERVPRO of Santa Maria specializes in storm and flood damage restoration. Our crews are highly trained and we use specialized equipment to restore your property to its pre-storm condition.
Since we are locally owned and operated, we are able to respond quicker with the right resources, which is extremely important. A fast response lessens the damage, limits further damage, and reduces the restoration cost.
Resources to Handle Floods and Storms
When storms hit Santa Maria, we can scale our resources to handle a large storm or flooding disaster. We can access equipment and personnel from a network of 1,650 Franchises across the country and elite Disaster Recovery Teams https://www.SERVPRO.com/disaster-recovery that are strategically located throughout the United States.
Have Storm or Flood Damage? Call Us Today 805-922-5457