In New York, flood damage occurs during natural disasters and water leaks. The impact of the flooding leads to serious damage if it isn’t corrected quickly. The issue that some owners face is a lack of adequate insurance coverage. Reviewing what to expect from Flood Damage Restoration in Long Island NY shows property owners how to contractors help them manage the process.
Reviewing Insurance Policies
All properties that are situated in know flood zones require flood insurance in addition to homeowner’s insurance. If the owner doesn’t have flood insurance, then they aren’t covered fully for flood damage. The contractors review the terms of the policy and determine if the damage is covered.
A Comprehensive Damage Report
After the property is approved for coverage, the contractors complete a comprehensive damage report. The contractors inspect the entire property for related damage. All damage is itemized on the damage report and provided to the insurance company. An estimate for all repairs is included with the report when the claim is filed.
Management of the Insurance Claim
The contractors work with a claims adjuster to process the insurance claim. Once it is approved, the insurer provides a check to the contractors for all services needed to restore the property. The services include remediation for water, mold, and fire-related damage if applicable. The repairs identified in the damage report and managed by the contractor.
Full Restoration for the Affected Area
The contractors complete each step of the restoration process, as outlined in the insurance policy. Most policies restrict changes to the original floor plan. However, it is recommended that the property owner should review their policy if they want to update the affected area or modify the living space. In most cases, the owner is responsible for any additional costs beyond the insurance coverage.
In New York, flood damage leads to additional risks if the water isn’t removed quickly. Standing water inside a residential property increases the risk of flooded basements and foundations. Water damage to the support of the property causes instability and cave-ins. Property owners who want to learn more about flood damage restoration in Long Island NY Contact Dart Restoration Corp for an appointment right now.
