Frequently Asked Questions

 

Am I covered by my insurance policy for this damage?

Owner insurance policies covering structures subject to water damage or mold remediation are complex. Their interpretation is not the responsibility of the Restoration Company and beyond their scope. Therefore, Restoration Companies refrain from analyzing and interpreting insurance policies related to their water damage or mold remediation projects, and that such matters be referred to an appropriate insurance professional or attorney. Saviour’s Restoration recommends calling us first (480-452-7914), and we will provide information on similar situations encountered in the past. Generally, water loss events occurring from a sudden burst from a pressurized source will be covered under most cases. Rising ground water coming into a home or business is not generally a covered loss and would require special “flood” insurance for coverage. Mold related matters are different with all carriers, and if covered, are usually capped at a low dollar amount.

Can I stay in my home while the “drying process” is in place?

In circumstances where the water damage (or mold remediation) is being addressed affected a small area, homeowners can usually remain in the home. Drying equipment generates noise which may be hard to grow accustomed to or will prevent the occupants from utilizing bathrooms or kitchen areas for a few days. Insurance coverage will normally provide for “loss of use” in the event of water damage. It is this part of the policy which would provide for food and lodging outside the home while it is being actively restored.

How long does this “drying process” take?

The length of time required to dry a structure is dependent on many factors. These include: amount of area affected, how wet the structural materials are, what the wet materials are composed of (wood, drywall, plaster, etc) and equipment utilization. Our goal is to dry the structure expeditiously and would be able to answer this to a certain degree after our initial on-site assessment.

I don’t want to file another claim because my insurance coverage will most likely be dropped. What can you do?

Saviour’s Restoration specializes in helping property owners avoid filing a claim for water damage or mold. It is not uncommon our total cost of service will be below your insurance deductible, so contact us and let us evaluate the situation and offer a proposed solution. We encourage people to utilize their insurance for larger size losses, and avoid the claims process on the smaller jobs. We are the only company offering interest free financing on the jobs we perform unrelated to insurance claims. We can restore your property to its pre-loss condition in the most cost effective manner. Call 480-452-7914 to discuss your particular situation with the person who can make the Companies’ decision.

I haven’t been feeling well lately. Could I possibly have a mold problem in my home, even though I don’t see anything which indicates mold?

It may be best for our trained professionals to come to your property to help figure out if your indoor living environment could possibly be contributing to your health problems. Utilizing our thermal imaging technology, and other moisture sensors, we can determine if further mold testing would be necessary. Without an initial in-depth inspection, you’re likely “shooting in the dark” at potential causes for unexplained individual health problems.

My new tenants are feeling ill and believe the home has mold. My last tenants lived there for a long period and never once made this complaint. I think my new tenants just want to raise the “mold flag” and get out of their lease. What can I do?

Mold is present everywhere we go. It naturally occurs in our environment. Mold affects everyone in a different way. Some people can live in areas with high levels of mold and have no health effects, while others can be in areas with low levels of mold and be continuously symptomatic. It would be to your advantage to have the property inspected and tested to see what the relative mold types and counts are. Elevated indoor mold levels, compared to exterior levels, usually lead to a problem which will require corrective action.