Misconceptions About Water Damage: What You Really Need to Know

My Insurance Company Will Pay For My Claim No Matter What

Not exactly. While it might sound reassuring, the truth is, all homeowner policies come with fine print—usually called “exclusions.” Think of your insurance policy as a treasure map: it highlights what’s valuable (covered) and what’s hidden (not covered). Usually, they cover “sudden and catastrophic failures”—like that surprise pipe burst in the middle of dinner or a broken water heater that gives up without warning. But if you’re the type to leave the sink running while binge-watching your favorite series, don’t hold your breath for coverage—those are often considered “Oops clauses.” Long-term leaks, slow drips, or outside ground water (a.k.a. floods) usually aren’t covered either. Better to read the fine print before water makes its unwanted debut. If you are having issues with water damage, our Renton, WA water damage remediation services may be just what you need.

I’ll Deal With The Water Damage When I Get Back From Vacation

Famous last words. Most insurance policies have a clause stating, “Act immediately!” This means you should jump into action—call a water mitigation pro—right away. Ignoring the problem and letting water sit under your floors or inside walls can lead to mold, wood rot, and a whole host of other nightmares. Your insurance has the right to refuse coverage if they find out you sat back and did nothing, or worse, waited weeks. So, if you spot water, don’t procrastinate—prompt action can save both your home and your claim.

I Need Multiple Quotes For My Insurance Claim

Here’s a surprise: when it comes to water mitigation, getting lots of quotes isn’t just unnecessary—it can actually harm your case. Reputable mitigation companies use the same pricing tools as insurance companies—think of it like everyone speaking the same “price language.” The prices are based on square footage, linear footage, and standard equipment costs. This standardization helps speed things along and prevents your claim from getting bogged down by price disputes. If a quote suddenly skyrockets beyond industry standards, your insurance adjuster will handle it directly. No need for a shopping spree; it’s about getting fast, fair, and consistent service.

What About Non-Insurance Claims

In cases where you’re paying out-of-pocket, estimates can be helpful but beware of sketchy practices. Most companies use the same pricing software, so big differences in quotes shouldn’t be common—unless someone’s trying to pull a fast one by underestimating or leaving out costs to secure your business. Remember, water damage always comes with surprises—hidden mold, asbestos, multiple flooring layers, you name it. Having several companies come out lets you “interview” them: Were they punctual? Did they listen? Do they answer your questions? Good communication and professionalism now mean fewer headaches later.

When The Water’s Out, The Rebuild Begins

So, your home is dry on Wednesday, and Thursday is the big day—rebuilding! Almost. There’s a waiting game: first, the water mitigation team works their magic, followed by a review from your insurance. The review can take some time, depending on how busy they are. Then, there’s a pause—waiting for funds to actually reach your hands. Only then can a contractor settle into the schedule for repairs. Patience is key here; it’s a process, not a sprint.

First Response Water Damage is a family and locally owned business that has been helping clients with water damage repair, smoke/fire remediation, odor removal, and sewage remediation since 1989. If you need help with any of these problems, reach out to us today.