Category Archives: Insurance

How to Create a Proper Home Inventory & Save Thousands

When it comes to home disasters, such as water damage, one of the best ways to protect yourself from further loss is to compile a detailed list of your personal property. In the case of fire or water damage, sometimes your home contents can be damaged beyond recognition. You will be surprised just how much value those individual possessions add up to when you really start to think about what it would cost to replace them. Why Exactly Do you Need a Home Inventory? A household inventory can be a life saver at claim time, when it comes to your insurance company replacing those cherished items that you value so much. The ability to simply hand over a home inventory will save you time and frustration when the insurance adjuster has to account for items damaged in the loss. Your itemized list will also help...

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Did You Know Your Homeowners Insurance Doesn’t Cover Sewage Backup?

In the water damage restoration business, we categorize water in 3 ways. First is “clean” water, second is what we used to call “grey” water. The 3rd of these categories is the worst because the water is highly contaminated and can cause serious illness, and in some cases, even death. The IICRC used to refer to this category as “black” water. It can also make the restoration process lengthier and more complicated in the affected areas. What is one of the main sources of this type of water? You guessed it. Sewage. Oh, but no problem, you are covered, right? Or are you? It is estimated that more than 500,000 sewer backups occur annually in the United States. That means that just about every minute someone is dealing with this problem. This can happen for a variety of reasons, including issues from aging sewer systems,...

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