Coverage of flooding and water damage under most homeowner and business insurance policies can be a problematic scenario – unless you are aware of the ins-and-outs and mitigate in advance. That’s a fancy way of saying: Make sure you ARE covered and if you take damage contract with an expert to fix the problem – completely. Insurance and Water Damage in Tampa Bay, Insurance and Water Damage in Tampa Bay
Mold – lingering, ongoing and often invisible damage (at first) – is a particularly insidious water-based household plague. If you live or have your business space in an area prone to heavy rains and potential flooding, you need to be aware, you need to be prepared and you need to hire a reputable, professional and specialized contractor for repairs and renovations.
First, make sure you have adequate flood insurance. This is, almost always, a separate addenda policy, added on to your primary homeowner or business policy. You may not be insured for water damage unless you have in effect an insurance policy specifically covering flood and water damage repairs. Insurance and Water Damage in Tampa Bay, Insurance and Water Damage in Tampa Bay
Then, if you are later unfortunate enough to actually be the victim of a flood and water damage, make sure you totally (100%) remedy the damage. If, for instance, the occurrence of mold is missed and it grows again to become not only a cosmetic and structural issue, but also a health issue, a future claim may be denied on the basis that you were responsible for repairs under the first claim. Safe to say, the fact that your contractor may have been negligent and at fault will not sway most insurance companies for a second-go-round.
Put simply: If your contractor does not do the job and do it right the first time, you may be paying out-of-pocket when the mold again saturates the drywall, rots the wood and again makes itself an unwelcome and toxic guest in your home or business.
We can help. Classic Restoration and Reconstruction is Tampa Bay’s reliable source for preemptive damage mitigation consultation and water damage repair. Feel free to contact us. Insurance and Water Damage in Tampa Bay, Insurance and Water Damage in Tampa Bay
Classic Restoration and Reconstruction, a building, construction and bio-hazard removal contractor fully licensed, insured and bonded within the state of Florida, primarily services the Florida cities of Palm Harbor, Dunedin, Tarpon Springs, New Port Richey, Clearwater, Port Richey, Holiday, Odessa, Oldsmar and Hudson. Insurance and Water Damage in Tampa Bay
Classic Restoration and Reconstruction is a private business owned and operated by Florida natives, Chris Camp and Mike Miller. Learn more about us.