Guest guest Posted February 4, 2011 Report Share Posted February 4, 2011 , You will want to stick to issues of water damage, not mold growth. Insurance should restore your home to conditions that existed before the water loss. Drywall and other porous building materials can lose structural integrity when they remain wet for more than a few days. The cavities cannot be dried in an expedient manner when insulation is present, and insulation loses R value when wetted. Regarding the carpeting, if the carpet sustained bulk water damage by anything other than Clean Water (Category 1), it cannot likely be restored. Category 2 and 3 water both have contaminants that can be harmful to people. Although not sewage water, water from the roof can contain contaminants from bird and other animal droppings, as well as chemical contaminants. If the insurance company will not replace the carpeting, how will they guarantee that it has been effectively restored (cleaning and testing costs can approach the costs of replacement). Also, is the carpeting stained, if so, this should help with your request for carpet replacement? Because the water is not Category 1, measures should be taken to prevent the spread of contaminants when drywall and insulation are removed. You might want to ask the insurance company if the work will include dust suppression and containment in the form of barriers, air scrubbers, and engineering controls. I recommend that you ask around for references to contractors on your own, and interview them as well as any contractors that insurance company recommends. The services of an independent environmental consultant to assess the damages and prepare a scope are highly recommended. Often the consultant can recommend contractors with proven success. Ask the adjuster to approve the consultant's fee, and ask around for recommendations. Members of this group might know of a qualified consultant in your area. The insurance industry generally accepts that the IICRC S500 (Standard and Reference Guide for Professional Water Damage Restoration, Institute of Inspection, Cleaning, and Restoration Certification) is an industry consensus standard. The above recommendations are consistent with the IICRC S500. Connie Morbach, M.S., CHMM, CIE Sanit-Air, Inc. > > I have an insurance adjuster coming next week to assess the horrid > damage to the house from ice dams (metal roof!). It was actually > raining down one wall. Does anyone have any questions I should ask > them about remediation? I want the ceiling removed and insulation > replaced where necessary. The adjuster already said something about > just drying out the carpet. Is that reasonable? Water is seeping in > through the window sills and the perimeter of that wall. I had to have > a roofer come to shovel what he could off the roof. > > Barth > > www.presenting.net/sbs/sbs.html > > SUBMIT YOUR DOCTOR: www.presenting.net/sbs/molddoctors.html > > Psalm 59:8-9 > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2011 Report Share Posted February 4, 2011 Connie, thank you so much. It helps immensely. Yes, the carpet is stained and really soaked. Yes, it's been at least 3 to 4 days that water has been dripping and raining down the wall. It's a mess. Barth www.presenting.net/sbs/sbs.html SUBMIT YOUR DOCTOR: www.presenting.net/sbs/molddoctors.html --- C> , C> You will want to stick to issues of water damage, not mold growth. Insurance should restore your home to conditions that existed before the water loss. Drywall and other porous building C> materials can lose structural integrity when they remain wet for more than a few days. The cavities cannot be dried in an expedient manner when insulation is present, and insulation loses R value C> when wetted. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2011 Report Share Posted February 4, 2011 Insurance Adjuster for the Ins co will always look for cheaper way out , not what is best for you. Get independent Ins adjuster that works for you to access, at least 3 estimated from repair companies. If remediation necessary first get a remediation protocol then get 3 estimates based on the remediation protocol. God Bless !! dragonflymcs Mayleen ________________________________ From: Patilla DaHun <glypella@...> < > Sent: Fri, February 4, 2011 9:03:05 AM Subject: [] Weather Insurance I have an insurance adjuster coming next week to assess the horrid damage to the house from ice dams (metal roof!). It was actually raining down one wall. Does anyone have any questions I should ask them about remediation? I want the ceiling removed and insulation replaced where necessary. The adjuster already said something about just drying out the carpet. Is that reasonable? Water is seeping in through the window sills and the perimeter of that wall. I had to have a roofer come to shovel what he could off the roof. Barth www.presenting.net/sbs/sbs.html SUBMIT YOUR DOCTOR: www.presenting.net/sbs/molddoctors.html Psalm 59:8-9 Quote Link to comment Share on other sites More sharing options...
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