Phoenix Flood Damage Restoration
Types of Flood Damage
Monsoons and Rain Storms
Arizona experiences between 40 and 100 floods each year. In fact, monsoons and flooding are the most common hazard for Arizonans.
Severe storms drop inches of rainfall in a matter of minutes. Even just a little of that water seeping indoors can cause considerable flood damage, along with safety and health concerns.
What to Do if You Experience Flood Damage
First thing, be sure you and your family are safe.
During Active Flooding:
- Get to high ground (if possible) or the upper level of your home. But don't trap yourself in an attic or other enclosed area.
- Avoid driving or walking in flood waters. Just six inches of moving water can knock you down, and one foot of moving water can sweep your vehicle away.
- Avoid electrocution. Standing water may be electrically charged from underground or downed power lines. Do not touch electrical equipment if it is wet or if you are standing in water.
- Call authorities of your location if you need help.
Flood Damage After the Storm:
Flood waters carry trash, pollutants, and dangerous bacteria from overburdened sewer systems. There could also be electrical hazards. So, again, take steps to keep you and your family safe.
- If it is safe to do so, turn off the electricity at the main breaker, even if the power is down in your community.
- Once the danger is over, contact Arizona Total Home Restoration. Our emergency response team is available 24 hours a day, 7 days a week, so we are there when you need us.
Starting water remediation services and flood water cleanup immediately is important.
Toxic mold growth begins in as little as 48 hours in a wet environment. To prevent dangerous mold growth, it is important that the drying process begins as soon as possible. Protect your family and your property by securing the services of certified staff like the team at Arizona Total Home Restoration to manage flood damage cleanup and restoration.
If you experience water or flood damage, one call to Arizona Total Home Restoration is all you need. Our trained staff will assess the damage, prepare and implement a plan to dry you out, organize flood damage repair, and even help you file an insurance claim. ATH is a full-service damage restoration company, managing your cleanup and repairs from start to finish.
Water Damage vs. Flood Damage: What is the Difference?
To answer this question, we look to the National Flood Insurance Program. The program defines a flood as a temporary condition of partial or complete inundation of two or more acres (or two or more properties) of land that is normally dry.
The source of floodwater in the Phoenix area of Arizona is usually from rapid accumulation of rain runoff during and after monsoon storms.
Floods could also include the overflow of land near rivers or lakes because of high inflows further upstream. Here, again, the typical causes of high inflows are heavy rains in the mountains or rapidly melting snow.
Does Homeowners Insurance Cover Flood Damage?
So why is it important to understand the difference between water damage and flood damage?
It is important because property insurance distinguishes between them. While water damage to your property is often part of your property insurance, flood damage is often NOT covered under your regular insurance policy.
In fact, properties in floodplains (areas determined to be at special risk of flooding) often require special–and expensive–flood insurance policies to get a mortgage. To see if your property is in a designated floodplain zone, you can visit the Maricopa Floodplain management system and use their interactive mapping software.
No matter if the property is in a designated floodplain or not, it is a smart idea to review your property insurance coverage. Look at what they cover during flooding or water damage incidents. Know the facts before you take out the policy, or at least before you need to use it. A time of crisis is the worst time to understand what the policy covers.
Does Homeowners Insurance Cover Other Types of Water Damage?
It may cover water damage from storms in some circumstances. For example, if a tree branch falls on your roof, creates a hole, and rain enters your home.
However, if your home’s roof is old, leaks, and needs repair, the policy will most likely not cover water or flood damage.
Many policies specify that, to be covered, the water damage must be from a sudden source, but not resulting from flood waters. This means your homeowner’s insurance might cover water damage cleanup and repair from a burst pipe in the hot water heater; but not cover the actual costs to replace the hot water heater.
Know What Your Policy Covers
It is important to understand the coverage and limitations of your property insurance policy. Review it for:
- Deductible amounts you’ll have to pay.
- Coverage maximums or coverage limits.
- Policy exclusions–like damage from flood conditions.
- Other special conditions or requirements you must meet to use your coverage.
What to Expect from Arizona Total Home During Flood Damage Restoration
With Arizona Total Home Restoration on the job, you can expect quick and understanding experts who will get started working to resolve storm damage concerns by:
- Securing your property from further damage (cover leaking roof, board up broken windows, etc.)
- Assessing the damage and preparing an immediate plan of action.
- Starting the water remediation process as soon as possible to prevent mold growth.
- Helping contact and file insurance claims (if applicable).
- Provide full-service project management from initial damage assessment through full reconstruction of the property.
Water and flood damage happen even to the most prepared people. At Arizona Total Home Restoration, our trained staff is here 24 hours a day, seven days a week to help. Keep our number handy and remember that our experienced, fast and friendly crew is ready to get your property secure, dried out and repaired quickly if water damage or flood damage occur.