House Flooded? Have Mold? Follow These BBB Tips

Hurricanes and other severe storms, a humid climate, leaky pipes, or continuous rain can make us susceptible to flooding and mold.  According to the Environment Protection Agency (EPA), molds are a natural part of the environment. When excessive moisture or water accumulates indoors, excessive mold growth will often occur, particularly if the moisture problem remains undiscovered or unaddressed.

How can you tell if you have mold in your home? The EPA states that if your home smells moldy, but you cannot see the source, if water stains are present, or if you know there has been water damage, there could be mold present in your home. Mold may be hidden in places such as the backside of drywall, wallpaper or paneling, the top side of ceiling tiles, and the underside of carpets and pads, etc. Other possible locations of hidden mold include areas inside walls around pipes (with leaking or condensing pipes), the surface of walls behind furniture (where condensation forms), inside ductwork, and in roof materials above ceiling tiles (due to roof leaks or insufficient insulation).

Water damage restoration can be as simple as vacuuming up water and drying out a room, or it can involve rebuilding entire sections of your home.  Investigating hidden mold problems may be difficult and will require caution when the investigation involves disturbing potential sites of mold growth. When contemplating the cleanup of mold or water damage, you need to verify the extent of the problem and likely will need to contact a water damage restoration company.

Better Business Bureau warns consumers to research carefully when choosing a professional to remediate flood and water damage or to clean up mold.

Work with your insurance company. An insurance agent may be able to recommend a reliable and reputable water damage restoration company, and you should contact them first to determine what your insurance policy covers and the process for filing a claim.  Contact your insurance company and inquire about policy coverage and specific filing requirements to initiate the claim process. If your home, business and/or vehicle was damaged, document the damage by taking pictures or videos if possible.  Recognize the difference between flood insurance and homeowner’s insurance. Flood damage is typically caused by water that has been on the ground before damaging your home. Water damage occurs when water causes damage before it comes in contact with the ground (broken pipes, a leaky roof, etc). These claims would likely be covered by homeowner’s insurance.

Do what you can to mitigate further damage. Dry out and disinfect impacted areas as soon as possible to help prevent mold. If you have concerns about wet carpet or rugs, start running fans and dehumidifiers. Consult an expert to see if carpet, rugs and furnishings can be salvaged.

Check the company’s history with the Better Business Bureau. You can review the water damage restoration company’s complaint history and details to determine if they have a track record of responding to and resolving BBB complaints at www.bbb.org  Always do your research first.

Verify the company’s license.  Confirm the contractor is properly licensed, insured and registered for the scope of work they will be completing. For example, simply vacuuming up water and drying out a room may not need a license but once the company starts tearing out cabinets and walls then a license may be needed.

Make sure the business has extensive experience in cleaning up mold. Ask for references from the business and contact these references for more information. Also, ask family and friends if they have worked with water damage restoration company or a mold remediation expert in the past and had a favorable experience.

Obtain at least three bids. Don’t simply hire the first business that contacts you or one that offers the lowest bid; evaluate the services and offerings of at least three businesses and then make your decision.

Understand Assignment of Benefits contracts.  Beware of contractors who claim to be insurance claim specialists and may ask you to sign an agreement to allow them to contact your insurance company and seek approval of repairs for you. Many unscrupulous businesses have tricked consumers into signing a work estimate without reading the fine print, which commits you to automatically contract with their business if your insurance claim is approved.

Be wary of contractors going door-to-door, especially if they use scare tactics. Obtain a contract that specifies the work to be done, the price breakdown for labor and materials and an agreed upon timeline. Never feel pressured into signing on the spot and always seek at least three estimates prior to making a commitment. Avoid paying with cash for the entire job up front.

Information courtesy of the Better Business Bureau