Are you really in good hands?
Important information on water damage in South Florida
Read this informative article on water damage and restoration in South Florida to find out.
The Washing Machine Leak.
Here is a story from one of our recent South Florida clients who suffered water damage as a result of a washing machine leak. As water damage & restoration South Florida experts, we handle a wide range of home damage situations. Because we are based in South Florida, we cover the entire Broward County and Palm Beach area. If you are located in Port St. Lucie, Deerfield Beach, Stuart, Fort Lauderdale, Boca Raton, Pompano Beach, Delray Beach, Boynton Beach, Lake Worth, Palm Beach Gardens, West Palm Beach, Jupiter, or Hollywood Florida, feel free to call us. We received a call from a homeowner who had a washing machine leak as a result of broken hose. The water leaking from the washing machine covered the floor in the laundry room and traveled into several different rooms. When the homeowner called their insurance company, they were told that the insurance company had a preferred water damage remediation vendor, and they would send them over to inspect. The homeowner explained to the insurance company that they already know a well respected water and mold restoration company, and that they would like to call them. The insurance company told the homeowner that it’s their policy, to only use their preferred vendor, because they have a working relationship with this company. They went on to tell the homeowner that this company has always provided good results. Once the insurance company’s preferred water remediation company arrived, they placed a dehumidifier in the laundry room, and used a commercial air mover in an attempt to dry the area. After some time had passed, the wet floors and carpet dried, or at least it seemed dry to the touch. When the insurance company’s preferred water damage company left, they had the homeowner sign off on a “job finished” contract that stated the water damage was repaired and that their insurance damage had been fully repaired.
Laundry room is still musty
Roughly a week after the water-damaged areas were serviced, the rooms still smelled musty and damp. The homeowner called the insurance company to report a musty smell. They also called the insurance company’s preferred water restoration service provider. The water damage restoration company sent over a staff member who placed an air mover back into the room for another day. After the air mover was removed, the room seemed better. Then within another few days, the laundry room seemed musty again. Finally the homeowner had had enough, and they called in a South Florida public insurance adjuster. Now a days some insurance companies have arrangements with their preferred service contractors because it’s in their best interest to have a service provider on staff. Actually the service provider is not an employee of the insurance company but rather a sub contractor who has a special arrangement with the insurance company. In some cases the insurance company puts a cap on the amount of money a service provider can charge. In this case the home needed more time spend on mold and moisture removal that was allowed by the insurance company. When the mold removal company left, without completing the job, the remains mold had a chance to grow further. More recently there are now insurance companies that offer what is known as a preferred service provider discount. This option gives a discount to homeowners who agree to let the insurance companies service provider handle any needed water damage and mold removal. This situation could save the insurance company from having to make a larger settlement. It also, takes the option of choosing the service provider out of the hands of the homeowner. While this may sound great when thinking about that lower, discounted premium. It may not be so good when that some homeowner suffered water or mold damage. There is more information about this at the bottom of this article.
Why simply drying the room won’t work
When we arrived, it was apparent that a mold problem was brewing. As an experienced South Florida mold expert, Todd could usually tell by his sense of smell if there is a mold issue. Once we started our assessment , the first step was for us to use professional moisture detecting test equipment to determine the amount of moisture present in the room. What we found was, the moisture in the center of the room had a lower reading than the moisture level close to the wall floorboards. Often when a homeowner believes there is a mold problem we are called in to provide a moisture test. When our moisture meter reads over 20 percent we know that there is a major moisture issue. For more information on moisture test equipment read this page: Moisture content in drywall. The reason the meter read so high was a direct result of the fact that the water traveled under the wall. This allowed the area behind the walls to remain wet. By simply placing air movers and dehumidifiers in a damp room only some of the dampness and humidity present in the open space will be removed. The water behind the wall will remain. The water pooling behind the wall and floorboard will germinate mold spurs with-in 24-48 hours. This is why it’s critical to get at the water sitting under the furniture and in the walls removed as soon as possible. The water sitting inside the walls of your home will create what is known as a hydrologic cycle. This is the same cycle effect that is found in a rainforest. During this cycle, the water sitting on the floor under behind the wall starts the process of evaporation. This causes the water to travel up the inside of the wall. Eventually the water will pool at the top of the beams. Once enough water pools at the top of the wall beams, the water will rain back down to the floor. This is the same continuous movement of water, which is found in nature. The only problem is, now it’s raining in the walls of your house!
By understanding the water and moisture cycle a homeowner can learn how it’s important to quickly handle water damage & restoration in a South Florida home.
The mold and water remediation process
Removing mold and water damage requires taking off the floor baseboards, and then determining the extent of the damage. Sometimes the water damage is limited to just behind the baseboard. Other times the mold extends up the entire wall. Depending on how long the mold has been growing, the drywall may need to be removed entirely. In the case of this home, there was some limited water damage and mold. If the moisture was allowed to sit behind the floorboards for another few days, all the drywall would have to be removed. Because the homeowner called a South Florida public adjuster early on, the water damage was caught before extensive mold had a chance to grow.
About insurance company’s preferred service vendor
When a homeowner experiences water damage as a result of water intrusion, often the first phone call made is to the insurance company. Often the insurance company will offer to send out their own insurance adjuster, or they will refer their preferred service provider. To the homeowner it will seem that the insurance company’s preferred service provider is the only choice, or at least the best choice. In this case, the homeowner told the insurance company that they had their own public insurance adjuster. According to the homeowner, that conversation didn’t go well. The insurance company told the homeowner that the preferred water damage and mold removal company is the best choice and they insisted on sending their preferred service provider first. Not wanting to argue with the insurance agent, the homeowner agreed, it couldn’t hurt to have the preferred water damage restoration company take a look first. Many insurance companies have made deals with water damage and mold service companies. The idea behind a preferred service provider, is that the insurance company, and the service provider, have a pre-arranged agreement. This agreement usually includes how long the air movers are in use and how much the provider is allowed to charge. This puts a cap on the insurance company’s hard costs. For more on this practice read this blog post. How preferred vendors save insurance company’s money. It’s a good thing that the homeowner was cautious, and decided to take matters into their own hands, when the insurance company’s service provider failed to get rid of the home’s musty smell.
Why should you hire Fox Public Adjusters to handle water damagein South Florida?
At Fox Public Adjusters we have been in the mold and water damage business for over 25 years. In addition we are highly knowledgeable when it comes to handling insurance claims. As a home construction contractor Todd, the owner of Fox Public Adjusters, knows how homes are constructed and is aware of how water from a damaged roof, leaking plumbing pipe or broken leaking appliance can damage a home. This translates to a repair job that is though and complete. As a former insurance agent he knows about all the required forms and other paperwork that must be filled out correctly in order to receive a proper settlement. The relationship that Fox Public Adjusters establishes is not one of rivalry but rather one of working together is see that the homeowner receives a settlement that will cover all the costs associated with the damage and the restoration of the home.
During storm and hurricane season many insurance adjusters are over burdened with water damage claims in South Florida. Furthermore when a hurricane hits South Florida the amount of resulting home damage is dramatic. As a matter of fact, some insurance companies need to bring in insurance adjusters from other states, just to handle the work load. Ask yourself, If you are a homeowner in South Florida, would you be happy with an out of state insurance agent handling your claim? When you choose to have a public adjuster handle your claim you get an adjuster who works for you, the homeowner. By not being over burdened with a heavy claim load, Todd is free to focus on your individual claim.
On a personal note, I actually have a friend who works as an insurance adjuster. During the South Florida storm season he is never available to get together because he is working long days and weekends. With this kind of claim load, how can your adjuster focus on your claim.
If you are looking for water damage restoration Florida feel free to read our website articles. Inside our website you will find a wide range of useful information on water damage and mold removal.
For more information on mold damage and removal, read our other article on this topic. Mold removal in South Florida As experts in water damage and mold removal call us at (561) 789-4369. We serve all of South Florida including, West Palm Beach, Jupiter, Palm Beach Gardens, Lake Worth, Boynton Beach, Delray Beach, Boca Raton, Pompano Beach, Fort Lauderdale, Deerfield Beach, Stuart and Port St. Lucie.