Water damage refers to an array of possible losses that occur when water intrudes and initiates destructive processes on materials or systems. These destructive processes can include the rotting of wood, steel rusting, growth of mold, and de-laminating of materials like plywood among a multitude of others.
The onslaught of water damage can be deceptively slow and minor, such as water spots that eventually tarnish a surface. Alternatively, it can be sudden and catastrophic like flooding. Regardless of the speed at which it occurs, water damage is a significant factor in property loss.
Insurance policies may or may not cover the costs associated with water damage and its subsequent restoration. One common source of residential water damage, the failure of a sump pump, is often not covered under standard homeowner’s insurance policies without an additional premium charge.
Flood-affected individuals, on a broader scale, may be eligible to apply for government and FEMA grants through the Individual Assistance program. Likewise, businesses, cities, and communities can apply to the FEMA Public Assistance program for help following a significant flood event. For instance, Fond du Lac, Wisconsin, was awarded a $1.2 million FEMA grant after experiencing flooding in June 2008. This grant allowed the city to acquire water-damaged properties, demolish the structures, and transform the area into public green space.
Water damage, while destructive, can be mitigated through effective intervention and restoration measures, allowing affected individuals and communities to heal and rebuild.
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