Imagine this scenario: There was a particularly heavy and windy rainstorm yesterday, and the walls and roof of your home suffered some damage from the rain. However, maybe you got off lightly because your brother, who lives an hour away in a valley, had water accumulate outside his house, which made its way inside and caused indoor flooding.
While both of these incidents have some similarities (they both involve water), they need to be addressed differently.
Many homeowners are surprised to find out that water and flood damage count as two different issues. Moreover, they are covered by different types of insurance:
Homeowner’s Insurance: This type of insurance does not cover flooding. Your brother will be out of luck if all he has is homeowner’s insurance.
Flood Insurance: This kind of insurance does not include water damage.
Water Damage Is a Common Problem
Water damage may not be well-understood, but it is undoubtedly far from rare. In fact, statistics show that in 2019, for example, 29.4 percent of claims filed were because of water damage. However, the good news is that water damage is mostly preventable.
Generally speaking, water damage can be defined as water that causes destruction to the interior of your home. It can be the result of:
According to the Federal Emergency Management Agency (FEMA), the following defines a flood:
Water damage usually happens before water comes into contact with the ground, while flood damage results from excessive pooling of water outside of a building.
Water damage is usually confined to just a single property, whereas flood damage usually affects two or more properties.
Not all water damage is equal in terms of the amount of destruction and the level of hazard. Basically, water damage can be divided into three different categories.
This category pertains to the least severe kind of damage and is called “clean” water damage. It‘s free of sewage and toxins and, therefore, poses no health threat to people.
- Examples: Water from broken pipes and supply lines; sinks and bathtubs that have overflowed; leaks from washing machines, dishwashers, and other home appliances.
Most of the time, items and areas affected by Category 1 water damage can be easily dried with no long-term issues with respect to the homeowner’s health or property.
Category 2 water damage involves dirty water and is more severe than Category 1. It is referred to as “gray” water damage.Contaminated water in Category 2 often contains significant levels of bacteria, mold, or chemicals.
- Examples: Sump pump backups; overflowing toilets; water from washing machines.
This category poses some degree of health risks to people, but these risks are not anywhere near as severe as the ones involved In Category 3.
If you have this kind of water damage, the restoration technician who comes to your home will wear some kind of PPE (personal protective equipment).
Category 3 represents the most severe kind of water damage and is, therefore, described as “black” contamination. It can be associated with significant consequences to human health.It is incredibly unsanitary and contains toxins and disease-causing organisms.
- Examples: A broken toilet bowl or sewer backflow containing feces.
It’s important to review your individual policy and apply its clauses to the specifics of your situation. Most likely, accidental events will be covered. However, any destruction caused by neglecting maintenance or repairs will usually not be eligible for coverage. This is why preventing water damage from occurring in the first place is important.
There are some simple steps you can take to prevent water damage in your home, including:
Never ignore even a mild case of water damage because it can develop into a more serious problem if not handled promptly and properly. So, don’t wait to get the issue addressed.
If you’ve ever needed the services of a restoration and cleaning company, you may have noticed that their credentials include “IICRC Certification.” RAINING KATE’S is proud to be an IICRC Certified Firm. In fact, all of our team-leading techs are IICRC certified. So, let’s delve into what this means for you, our customers.
IICRC stands for Institute of Inspection Cleaning and Restoration Certificate. IICRC is an accredited standards developer member of the American National Standards Institute (ANSI) ANSI is an accredited and highly-regarded overseer of the development of national consensus standards. ANSI also acts to verify that the standard’s developer has met the requirements for consensus, due process, and other criteria.
The adoption of an American National Standard (ANS) is entirely voluntary. However, various federal, state, or local authorities have selected some standards as regulations or codes. American National Standards are also deemed to be “state of the art” in the field of contamination control.
The IICRC Standards aim to develop general language and terminology that is industry-acceptable. This, in turn, enables a more universal discussion of procedures and concepts with respect to inspection, cleaning, and restoration. Both the insurance industry and the water damage restoration industries abide by the standards set by the IICRC.
To quality, a restoration business must meet the following criteria:
Becoming an IICRC-certified technician means successfully completing several rigorous training courses. Then you need to pass an exam to demonstrate that you meet the IICRC’s standard-setting requirements.
As a RAINING KATE’S customer, IICRC-certification means you will receive the highest possible level of cleaning and restoration work. RAINING KATE’S IICRC-certified technicians will uphold the Institute’s foundational values of integrity, responsibility, excellence, expertise, and respect in every service they provide.
When you need the services of our Austin based, IICRC-certified company, RAINGING KATE’S is available 24/7 to handle your emergency.
Here at Raining Kate’s, we strongly believe in supporting, working with, and partnering with other quality members of Austin’s small business community. We value these relationships and pass on information about them to our customers where appropriate at every opportunity.
Raining Kate’s strongly believes in and supports the many outstanding plumbers serving the Austin area. Whenever possible, we refer them to our customers who need plumbing services and value building up these relationships. And, we are always happy when the plumbers in our program give our name to someone in need of the best water damage restoration services.
If you are a local plumber looking for a top-notch water damage restoration company to work with, check us out. If you already have such a connection but would like to know more about us anyway, please give us a shout-out!
What RAINING KATE’S Trades for Referrals:
- You refer the emergency to us – we secure the job. We deliver the referral fee to you, or you can pick it up.
- Inspection of premises for free for referred customers. We waive our usual service charge when referred by plumber partners.
- Our warranty will cover minor water damage caused by you. We understand that mistakes may occasionally happen or that some things are unavoidable. For example, you work on a toilet or replace a water heater, and leakage results in minor water damage. In such a scenario, give us a call, and we will take care of things (extract and dry) for little or no charge to you or your customer. Within reason, of course – reconstruction not included.
- Not only can you have complete faith that Raining Kate’s will do a great job cleaning and rehabilitating your customer’s home or business, but you will also receive a commission on every job you refer to us. And, our professionally trained team of water damage specialists will always make you look good for the referral!
A plumber is usually the first person called when flooding or a sewage emergency happens. It’s the plumber’s job to stop the flood or make good the drain. After this initial step, most of your customers will require their home or business to be cleaned ASAP and then dried out properly to avoid additional issues such as mold. You can rely on Raining Kate’s to provide your customers with such outstanding service they will tell you how much they appreciated the referral.
We will also call you back in if there are any other plumbing services required on the particular job you referred to us. This is a genuine partnership, and we want to be successful with you.
If you would like to participate in our Plumbing Referral Program, please click on this link and fill out our form. Once you are enrolled in our program, you will be able to begin earning those valuable referral commissions.
If you have questions or would like more information, please call us at 512-772-1394 to discuss this opportunity in greater detail.
Please continue to support local businesses in 2021. It is no secret that our small and local businesses have been hit hard.
We are making sure that we are playing it as safe as possible on a day to day basis in our work and our personal lives. However, we want to be sure we remain aware of where we spend our money. Our focus this year continues to be on investing locally on the businesses that keep our local communities thriving, vibrant, and unique.
Water damage as a result of an appliance leak is typically covered under home owners insurance policies. Our billing team specializes in working with insurance and our technicians know how to do the job right, so as to not make costly decisions that will result in work not covered by your insurance. No insurance? That’s okay too!
Raining Kate’s technicians are IICRC Certified. They are trained to safely and effectively perform water damage restoration services according to ANSI/IICRC S500 Water Damage Restoration Standards. Contact us for residential and commercial water damage and leak detection restoration services.