FEMA’s National Flood Insurance Program [NFIP] policy jacket defines “flood: as a "general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows.”

When flooding / water damage occurs it is crucial to take immediate action. As minutes turn to hours, the scope of water damage increases exponentially together with the cost of repairs and remediation. Even in areas of the structure away from the immediate damage, collateral or secondary damages often occur due to increased humidity levels alone. Under these circumstances, water vapor is rapidly absorbed and wastes no time damaging porous materials like arts, drywall, wood and composite furnishings, laminate countertops, papers and other finished surfaces.

Stopping the water, drying out and mitigating additional damages are not only crucial to your property and your checkbook but the actions are also a basic requirement for insurance coverage. Remember, your insurance coverage is contractually dependent upon the performance of your duty to “immediately” make every “reasonable” effort to: stop the water damage, perform a dry-out and mitigate further damages.

Flooding bodies of water bring significant biological factors to your property; mold and other microorganisms that must be professionally sanitized to prevent structural decay, decomposition, mold, fungi and human exposure. We test water and indoor air quality to determine the type of water damage and then assess the proper means of mitigating further damage before restoring the damaged property.