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At ADT Restoration we want to be your partner in the insurance claim process! Part of being a good partner is educating, assisting, and helping you understand the typical issues encountered during an insurance claim, as well as what steps you might take to get started. Here is a selection of articles from aroung the net that we think might be useful! We hope you enjoy the reading and if you have any questions feel free to contact us. Please remember We do not recommend you try to tackle water damage by yourself!

What is Water Damage?

Water damage describes a large number of possible losses caused by water intruding where it will enable attack of a material or system by destructive processes such as rotting of wood, growth, rusting of steel, de-laminating of materials such as plywood, and many, many others.
The damage may be imperceptibly slow and minor such as water spots that could eventually mar a surface, or it may be instantaneous and catastrophic such as flooding. However fast it occurs, water damage is a major contributor to loss of property.
An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy. Often the verbiage of this addendum is similar to "Sewer and Drain Coverage."

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Home Insurance Guidelines: Mold Facts and Coverage

In recent years, horror stories about toxic mold growth in homes, businesses and schools have become a common theme in the news. These headlines have all got us wondering: just how afraid of mold, fungi and bacteria should we actually be?
Mold spores can certainly be toxic, but scenarios in which growths are large enough to pose poisoning risks to humans are rare. The more common problem with out of control mold growth is property damage. What’s worse is that most insurance policies don’t cover mold damage, and typically insurers deny these kinds of claims. So, what should you do when you find mold, fungus or bacteria in your home?

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How to Find a Water Leak in Your House

In most cases the water line running to your home is "metered" for accountability and billing purposes. A leak on your line can be very costly. Yet, even a very small leak can be found through trying a few simple techniques and can save you from a nasty surprise from your local utility company. If you have been notified that you have a leak, here are a few steps you can do before calling a plumber. The more you do, the less it will cost you in the long run!

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Are Water Damage and Mold covered?

what's covered: water damage vs. flooding When our homes start filling with water, most of us are more concerned with getting rid of the moisture "quickly! than with tracking where it came from. Insurance-wise, however, the source of your unwanted lagoon is pretty crucial. The big distinction you have to make is between flooding and water damage.

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Water Damage Restoration

Water damage restoration is one of the most rapidly growing and evolving industries in the country. What used to consist of a contractor setting up a few fans in a flooded basement has now become a bonafide science, largely in part to the greater understanding we now have of the serious negative health repercussions that can be caused by mold, mildew, and bacteria growth, and the better technologies available to tackle a water restoration job.

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Act Quickly to Beat Mold After a Flood

Oct. 30, 2012 -- If you're trying to clean up a house flooded by Hurricane Sandy, be aware that you're in a race against mold and bacteria, which can grow quickly in damp environments.
Mold is especially dangerous for people with breathing problems caused by allergies or asthma. But high levels of mold can also cause problems for people who are relatively healthy. Symptoms of mold exposure include wheezing, shortness of breath, sore throats, flu-like aches and pains, and fatigue.
Mold isn't the only threat from flooding. Bacteria may also be a problem if your house was soaked by sewage. Bacteria can cause dangerous gastrointestinal and skin infections.
That's why it's important to stop these pathogens before they take hold of your home.
You've really got 24 to 36 hours to work with, says Rebecca Morley, executive director of the National Center for Healthy Housing, a nonprofit organization that wrote a guide to help residents clean up flooded homes after Hurricane Katrina.
The good news is that the faster you act, the more you may be able to save.

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