Frequently Asked Questions
1RG technicians are available 24/7 to respond to water damage emergencies. You can call or text our 24 Hr emergency service line.
1- Locate the source of the leak: If it’s being caused by an internal plumbing water source, turn off the water to that area, if you’re comfortable doing so and it can be done safely.
2- Record the damage: Take videos and photos of the affected area and send it to our Text Line LINK for Visual Inspection. Don’t alter the scene or remove ruined items until 1RG inspectors complete their inspection.
2- Schedule your onsite inspection: Our licensed Technician Team will give you a call for immediate onsite inspection.
3- Take a home inventory: Make a detailed list of all damaged items, including their make, model, age, and cash value.
4- Reach out to your Insurance Company: Our Insurance Administration Team can help you understand your policy and file your cl
1- Shut off the water source if possible, or contact a qualified person to stop the water source (Property Manager, A Plumber or Fire Department)
2- Turn off circuit breakers for wet areas when access to the power distribution panel is safe ( Be mindful of electrical shock)
3- Remove as much excess power as possible by mopping and blotting
4- Remove and prop up wet upholstery cusions for even drying. Do not put cussion covers in washing machine.
5- Place Aluminum foil or wood blocks between furniture legs and wet carpeting
6- Move any paintings, art, objects, computers, documents or other sensitive and valuable objects to a dry place.
7- Hang fur and Leather goods separately at room temperature.
8- Don’t enter affected areas if electrical outlets, switches, circuit breakers, or electrical equipment are exposed to water.
9- Don’t use your household vacuum cleaner to remove water. It could cause electrical shock.
10- Don’t turn on ceiling fixtures if ceiling is wet
11- Don’t enter rooms where ceilings are sagging from retained water.
Water damage claim is the most common damage to properties. coverage depends on the situation and the source of damage. If the damage is sudden, accidental, and comes from inside your home, you’re typically protected with a standard homeowners insurance policy.
Most policies won’t protect you againt gradual damage. Gradual water damage, like a water pipe leaking that went undetected, is usually not covered by insurance. This is because it was not “sudden or accidental”.
- Sudden plumbing issues
- Appliance overflows
- Fire extinguisher/hose damage from fires
- Water back-up from sewer or drain( Optional: you can add for additional premium)
- Flooding( Get Flood Insurance from National Flood Insurance Program)
- Source of water damage (e.g. damaged appliances- You can add Home Warranty Insurance for additional premium that covers wear and tear)
- Damage caused by negligence (Your water damage insurance claim can be denied if you’ve failed to perform proper maintenance.)
Drying out a structure depends on the severity of the water damage and the type of structure. On average it takes 3–5 days. This can vary greatly though, depending on the magnitude of damage, amount of contents affected, any demolition that may be required, and the presence of any hazardous materials.
Returning a home or business to its pre-loss moisture levels is a closely monitored process, with our professionals making adjustments to equipment to help ensure the area is recovering as quickly and safely as possible.
We’ll inspect the severity of damage and put a drying plan together. We’ll then pump out the extra water from the environment. We then use dehumidifiers and other specialized drying equipment to help return the area to pre-loss condition. We clean and deodorize restorable contents and areas of the structure that need attention.
Burst pipes, water heater failure, collapsed supply lines or corroded valves. a clogged toilet, leaking dishwasher lines, sewer backup and sump pump failures are just a few examples of water emergencies. If not managed properly, the standing water can cause significant damage to your structure. if you are living in a wooden structure house, your walls act like a sponge. It doesn’t take long for the resulting standing water to be absorbed by walls and ceiling. When water remains trapped within a material for an extended period, bacteria and mold begin to grow, making serious health concerns.
Your insurance company is responsible for paying to have your property restored to its pre-loss condition using materials of like-kind and quality.
Water restoration is the act of extracting the extra water, cleaning and restoring your property to its pre-loss condition.
Exposure to standing water or high humidity levels for an extended period of time can cause sever water damage to hardwood flooring and prepare the area for mold growth. If the wood is saturated with water, the moisture trapped in the wood can cup, wrap, crack or discolor the wood.
The procedure to dry the hardwood material can be tricky…drying too quickly or over-drying can sometimes cause more damage. The moisture should be extracted to reach natural moisture levels (6 to 12% for wood).. With a quick response and proper drying, your hardwood floors can be restored to their natural condition.
Although it seems like a DIY, please be advised If not done correctly it can cause secondary damages (like mold growth).
Seek professional help if you need it!!
Flood Insurance Claim
As soon as it is safe to enter your home, you should report your loss to your agent or insurance company.
If you’re unsure how to contact your agent or insurance company, call the FEMA Mapping and Insurance eXchange
(FMIX) at (877) 336-2627.
Try to have your policy declaration page in front of you before you talk to your agent.
An insurance adjuster will contact you to schedule an in person inspection within a few days of reporting your claim to evaluate the damages to your home.
Make sure you take photos and videos of your incident-related damage before moving or throwing out items or discarding the carpet. Remember that you can also request an on-site inspection at any time during the damage assessment.
If you do not hear from an insurance adjuster, you can contact your flood insurance agent or company again.
Your insurance adjuster will document personal property damage, structure damage, and measure water levels to prepare your claim estimate. You might want to stay on top of it and have them prepare and organize details room by room.
Take bunch of Photos and videos of the inside and outside of your property showing the details of damaged areas. Make sure the footage is properly saved. Think it this way…if you don’t have photos of it means it never happened.(take them before you discard anything)
Keep good records of make, model, and serial number of large household appliances like washers and dryers, water
heaters, kitchen appliances, televisions, and computers
Collect samples of building items (e.g., flooring, carpet, wallpaper, and drapes) and provide to the adjuster. Your property is supposed to return to its pre-loss condition.
Did you know?
The Standard Flood Insurance Policy (SFIP) will not cover mold damage when a policyholder fails to take reasonable action within their control to prevent the growth and spread of mold.
Policyholders are responsible for minimizing the growth and spread of mold as much as possible after a flood. Learn about effective and safe flood clean up and many other things.
Be sure to ask your insurer or adjuster about your policy, what it covers, and any important
deadlines you need to meet. Keep copies of all documents that are relevant to your claim, including all
materials submitted to your insurance company and adjuster.
Your adjustor should be able to answer questions about your claim:
- Discuss the NFIP flood claims process (review the NFIP Claims Handbook for additional information)
- Inspect your property to assess the scope of damage by taking measurements and photos
- Explain what an advance payment is and how you can receive one
- Discuss your policy coverage and limits—in terms of your structure and personal property, or both
- Submit necessary documents to substantiate your loss to your insurer
- Confirm the name of your current mortgagee holder Ask for a current mailing address and phone number if
you are displaced
- Discuss the availability of Increased Cost of Compliance Coverage if you are eligible
Did you Know?
The flood insurance adjuster sent by your insurer will never ask you for money, collect your deductible amount,
or charge you a fee for their service.
The initial estimate will only cover the visible damages observed at the time of initial inspection based on repair costs in your area. It is common that more damages unfold as the contractor starts the job, which means to more cost. You can always request additional payments to cover the cost of repair.
You should carefully review your estimate for accuracy and completeness. Additionally, your signature may be required on a Proof of Loss. Signing a Proof of Loss, will not prevent you from requesting additional payment if necessary.
If you disagree with the estimate or find additional damage later, contact your insurance company or adjuster.
Save receipts, bank statements, and contractor’s invoices and estimates. You will be required to
document this damage was properly repaired, in case you had any future incidents and want to file another claim.
As you recover, there are several different organizations and agencies that may send representatives to your home
to help with your recovery. No matter who’s knocking at your door, always ask for identification and the purpose of
the visit. If you are unsure of or uncomfortable with anyone you encounter who claims to be an emergency
management official or if you receive a suspicious call, please contact local law enforcement and the Disaster Fraud
Hotline at (866) 720-5721. Do not share your personal information.
If you are a homeowner, at some point you can expect to deal with electrical, water, HVAC systems, and structural damage. You need contractors and service providers to help you managing the damage and repairs.
Be sure to have your insurance adjuster or insurance company work with your restoration contractor when creating the estimates. Often times, the secondary damage or the amount of time and effort it takes to make repairs or replace certain items could be underestimated.
It takes investment of time and money to recover from a disaster. When selecting a contractor its OK to ask for a proof of license, bonds, and insurance certificates. its common to ask for written estimates, project descriptions and timelines to complete. Almost always the scope of the project will change, but its nice to know where you all started.
It can take 4 to 8 weeks before a standard claim is processed and paid. The claim payment check will be made out to you and in some cases to your mortgage company/lender, which require additional sign offs.
If you receive a denial letter from your flood insurance company denying all or part of your claim, and you disagree with the
denial, you have several options.
Any policyholder insured through the National Flood Insurance Program has a right to appeal the denial to the agency. You must submit the appeal within 60 days after the date of the insurance company’s written denial letter. You may only appeal what the insurance company declined in the denial letter. to learn more you can check Options if your flood claim has been denied
If this is your first loss, it is unlikely for FEMA to increase your Premiums. For policyholders with 2 or more prior losses, after their first claim following implementation of Risk Rating 2.0: Equity in Action, the rate will increase and reflect prior paid claims in the previous 20 years (number of paid claims minus 1). These rate increases will be gradual and within the statutory limits required by Congress.
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