This is usually the first question you ask when you find your home or business is flooded. If you call your agent the first answer you get is that it is “your responsibility to mitigate the damage as quickly as possible.”
What does that mean? Can I call someone? Do I just try to clean it up myself? If you make a claim they will usually make an appointment with the adjuster days or weeks later. Should I wait for the adjuster and ask them?
The definition of Mitigate is, “Make (something bad) less severe, serious, or painful.” In insurance speak this is anything you do to stop any further damage. Wiping up a spill, sandbagging around your house before a flood, getting a roofer out to put a tarp over the hole in your roof and putting out a fire are all examples of mitigating the damage. Some of these things you will do and some others you have too call a professional.
What we do is mitigate the damage when it comes to water, sewage and mold. For example if your business has a frozen pipe you have a lot of clean water all over the place. If we come in right away, extract up the water and dry the building out that’s the end of it. Once a week has passed odds are we are now removing most of the affected building materials. In one week of waiting a $2,500 dry-out might become a $25,000 project.
While mold is not an emergency, it is a factor in response time. Wet buildings start growing mold within 72 hours. With some building materials we can kill mold growth pretty easily. With others like drywall the chemicals we use to kill the mold would also destroy the building material so all we can do is remove it.
If you have a flood in your home or business it is better to call us and be sure you are taken care of than to wait. No insurance company wants you to get bids when damage is still happening. They actually are expecting us to have already done our work by the time the adjuster arrives.
Just remember, the longer the building sits wet the more damage there will be. Call us right away.