Can My Homeowners Insurance Company Deny My Water Damage Claim Because I Waited Too Long to File?

Water Damage Nashville TN

Response Time

Response time is the most important element when dealing with water damage. The longer it takes to dry out your home, the more damage takes place. That is why most homeowner insurance policies require you to file a claim immediately after the water damage is discovered. If you do not file your claim immediately after water damage is discovered, your insurance company may even deny your claim. Microbial (mold) growth can start in as little as 24 hours. Mold growth is what is called secondary damage and is not only more difficult but more expensive to clean up. Your first step as soon as you discover water damage is to call a restoration company like Water Damage Nashville and or your insurance company to start the water removal and cleanup process immediately.

A Tale of Two Halves

There is always more water than you can see. Imagine you had a paper towel where one half was hidden and the other half was visible. You then poured water on the half of the paper towel that was visible. Water would obviously be absorbed by the paper towel. Then once the visible part paper towel was completely inundated with water, you tore the visible part from the half that was not visible. You would likely make the correct assumption that the unseen half would also be wet as well. The point being, just because the water cannot be seen, does not mean that it is not there.

Water Defies Gravity

Nashville Water Damage

Well sort of… Nothing can truly defy gravity. However, water can actually travel upward. This can happen through absorption. When water is being absorbed into a dry substance such as drywall, there is actually a suction effect taking place. The water will be passed upward and outward until there is not enough moisture for the dry portions to continue the absorption process. Here is why that is important. Some people will simply make sure all of the water is up off of the floors. What some less experienced restoration companies fail to realize is the water has already started to soak into surrounding materials such as the subflooring, baseboards, drywall, insulation, and studs. The longer water is in your home, the more damage it will cause. Keep in mind that microbial growth can start in as little as 24 hours.

Moisture Reduction

Basically our company is hired by Nashville residents because we are experts in removing and reducing moisture within a property quickly. Our company has state of the art dehumidifiers that are able to reduce moisture within your property very quickly. The goal is to get humidity levels below 40% as quickly as possible. It is important to make sure your air conditioner or heater is not running when you have water damage in your home. Most people unaware that all mold needs in order to grow is moisture, a food source, and darkness. That makes your air ducts an ideal environment for mold growth. When a water damage restoration company removes all the water and moisture but your ducts already have mold growth, it can cause issues long after the water has already been removed. Essentially, the faster water is removed, the less likely you are to deal with dreaded mold issues.

Don’t Get Your Claim Denied by Your Homeowner’s Insurance Company.

A homeowner insurance company’s primary objective is to help a homeowner get their home back to its original condition quickly and at an affordable rate. However, if you do not fulfill your obligation to report damage in a timely manner the entire expense of the restoration project may be your responsibility. The first thing your insurance company will tell you to do is contact a water damage restoration company. Response time is critical. You can save time and save yourself the headache of dealing with your insurance company by calling a water damage company like ours directly.

If you need a water damage company in Nashville, call our company, Water Damage Nashville. Our industry experts will walk you through the entire restoration process. Most importantly, once you call us, we will deal directly with your insurance agency. Water Damage Nashville is the best company to hire in Nashville Tennessee.

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