When you have any water damage in your home is it always a very upsetting time. It is not only the damage itself but it is the clean up and repair. It can overwhelm you when you find out that you may have to do repairs or some renovations.

The children are young and they were having fun but they forgot that the water was still running the bathtub. It was very natural that the tub would overflow. The lovely carpet in the hallway was inundated and some water leaked into the wall. The tap was turn off and clean up time started.

In trying to get rid of the water on the carpets a dry wet vacuum is used to absorb it. You then dry it as best you can. Drying it thoroughly is important so that mildew or mold does not start growing. It takes little time for it to grow.

After removal of the excess water remove the carpet completely from the floor. Take out the tacks that hold it down and pick it up. If you see that the padding is also wet then you must get rid of that too. This material is very fragile when it gets wet and may fall apart. If your padding is attached to the floor with glue then a scraper will lift it off.

Once removed you can place your carpet in the sun out of doors. If it must be dried indoors then lift it from the floor and use dehumidifiers, fans and air conditioners to dry it. Once it is dried it should be inspected for mold and mildew and then cleaned. The padding is replaced and then the dried carpet can be replaced.

The damaged walls are a little more serious. As with carpeting what is important is instant action to avoid the mold growth. It is important that the area be well cleaned. A bleach and water solution is used to remove any signs of possible mold. The area is then left to dry.

The damaged area is repaired with a paste then left to dry followed by sanding it to a flat plain surface. The repaired area is now perfectly dry and it is time to paint. If you have not kept any paint from the last time you painted this wall you may have to paint the entire wall and not only the repair.

If you feel that some of the wall must be replaced then remove the damaged section. Cover this section with a panel that just fits into the hole that you have created. It should be snug and screw the panel into the studs.

After covering the seams so that it is smooth then paint with the primer. This primer usually prevents any staining that the water created and also helps in making the compound stick better. Add the compound in stages and sand after the applications. Your surface is a little rough after you sanded and is almost in line with the wall. Paint and the job is complete.

There are certainly more serious cases of water damage. But it is never a pleasant experience. You will get great satisfaction in doing the job yourself. Your memories will be your great handiwork and not the carelessness of your children. Most homeowners are able to handle this job.

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Water Damage describes any loss to property caused by an intrusion of water where the systems or the materials can be temporarily or permanently affected. It can be slow and unnoticeable or it can be sudden and catastrophic, like the flooding in New Orleans during Hurricane Katrina.

There are many causes for damage of this sort: broken pipes, backed up sewage, foundation cracks, overflow drainage from household appliances such as dishwashers and washing machines, and storms.

It is often categorized into three groups according to the contamination present in the water and the threat to public health it poses. The first group is Category 1 in which the water is clean and does not represent a threat to human health. Category 2 is when the water is called gray water and does have significant levels of contaminants present in the water such as urine in overflowing toilet water. Category 3 is black water, grossly contaminated water, which poses an immediate health hazard. An example of this would be backed up sewage.

It can also lead to long term health problems such as illnesses caused by mold ranging from chronic coughing, migraines, wheezing, and difficulty breathing.

Water damages claims are the largest group of claims filed by homeowners. Then they discover what the insurance companies will and will not pay.

Proper maintenance of the plumbing system and other water drainage systems in your home can make the difference on whether or not your claim gets settled or rejected. For example, the pipes in your house freeze during a cold spell and burst. You are covered for the damage but not the replacement costs for the pipes. However, most insurers will not pay the claim if you left the house unoccupied and unheated and then the pipes froze. You were negligent and therefore must pay for both pipes and the damage.

When dealing with the insurance company, it is very important to describe exactly what happened in the most truthful manner. What is said at the beginning of the claim process can affect the outcome of your claim. Remember that the insurance company has a very narrowly defined meaning of what a flood is. To the adjuster, a flood means an overflow of water from an outside source such as a river, lake or stream. If the pipes burst in your basement, then what happened was not a flood. Neither is sewer backup or seepage from a septic tank, which is considered a fault of poor maintenance.

When water damage happens in your home, move all belongings away from the affected area as soon as possible. Use a video camera to document what has happened. Contact your adjuster but this is where it gets difficult. Some financial advisers caution against filing a claim if the amount is under $1000. Some homeowners have actually lost their coverage simply because they phoned their insurer to see if they could make a claim. Once your home has been blacklisted by insurers, it is extremely difficult to sell it in the future.

Insurers put these properties in a central database called Comprehensive Loss Underwriting Exchange and other insurers can access this information too. Some companies are so nervous about water damage claims that even a single claim of this type is enough to be refused further coverage. Loss of coverage can make it extremely difficult for homeowners to be able to sell their homes in the future.

If the claim amount is under $1000, it is recommended not to contact the insurance company. Clean up is still a top priority since mold can set in as early as 24 hours after the water damage has occurred. Water damage cleaning companies specialize in this type of damage and they are usually available 7 days a week, 24 hours a day. Keep all receipts, keep your fingers crossed, read your policy thoroughly and then contact your agent.

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Time is money when it comes to dealing with water damage. It does not matter if the source is a flood or just dropping your book in the pool. Speed counts. Every hour that a liquid remains in contact with your property means greater restoration will be required.

If flood waters are still submerging your home, there is little you can do except talk with your agent. Planning what you might be able to do once you do get access is helpful.

If there is debris in dwelling then remove whatever you feel comfortable moving. You could shovel away mud or sludge. Clear what is blocking access if you are able. If professionals are coming then the less they have to do before their expertise is put to use, the more they can save. Sort through what you find at hand but be careful.

The more quickly you can remove any moisture from the area, or the article from the water, the greater your chance of saving it and money. If the floor is wet then throw every towel you can grab on it to soak up the water. Stick them in the washer and turn on the spin cycle if you need to use them again. Again, speed is what is needed. Every minute moisture is not on the surface counts.

Now that the water has gone, receded or been mopped up, what is the damage. Do you need a professional because the floor was inundated for 2 days? Or, was the sink overflowing and you managed to keep it contained to the bathroom or kitchen. It could be as simple as a fan or require chemicals and specialized equipment.

If the damage is greater than a soaked paperback or single item and involves structures such as furniture or your home, then read your home owners policy and talk with your agent. If you are not a demolition expert or a remodeling specialist, then a licensed, bonded and insured restoration professional may be your best bet. But read your policy carefully. It may well cover many of your costs.

If the only water damage you are dealing with is a soaked paperback, then just start up the fan and begin putting paper towels between the pages. Be sure you keep the air circulating but not flapping the pages. Just a breeze will do the job. Once it has dried, press it flat with other books or bricks. Use whatever is handy and heavy. Just be sure to place something between the book and the weight that is smooth and will not stick. A cutting board should do.

Speed in dealing with any level of water damage can save your property and save you money. Extracting or drying articles as quickly as you can is really important to the eventual restoration. If the amount of moisture is more than you can handle on your own, check the Better Business Bureau for information on companies you might want to use. They can tell you if a complaint has been lodged or a compliment too.

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