WATER DAMAGE

Water Damage Restoration:

Here at FirstLine, water damage restoration usually starts with a loss assessment and evaluation of damaged areas. Secondly, an inspection of the damaged area using water sensing equipment is done. Water sensing equipment includes moisture meters and infrared tools. These tools help us find where the moisture is coming from and how far it has spread. Consequently, if moisture is found, water damage restoration services would be the next step. Restoration service include sanitizing and deodorizing any affected, cross-contaminated area and materials. Next, once the labor is finished, special equipment will be placed inside the property. Subsequently, the equipment needs to run for period of time. The specialized equipment consists of; air movers, air scrubbers, dehumidifiers, wood floor drying systems, and sub-floor drying equipment. The industry standard recommends that restoration contractors return regularly to monitor the equipment. Preferably every twenty-four hours. During this time, temperature, humidity, and moisture readings should be taken around the affected areas. Finally, once the affected areas are free of moisture, the equipment will be removed.

According to the Environmental Protection Agency, 13.7% of all water usage in a U.S. home is believed to be caused by a plumbing leak. That’s about 10,000 gallons of water, wasted annually due to a leak. That’s a lot of water! Water damage is caused by many different things. Some sources of water damage include; broken dishwasher or washing machine, leaking refrigerator, and a clogged toilet, to name a few. Broken or leaking pipes and flood water could also cause water damage.

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IF YOU HAVE A WATER-BASED EMERGENCY, CALL FIRST LINE RESTORATION IMMEDIATELY AT 888.282.0824

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Back-to-back hurricanes will lead to higher property insurance premiums for Floridians

Storms are one of the multiple factors in increasing insurance bills By: Jackie Callaway Posted at 2:18 PM, Nov 11, 2022 and last updated 2:18 PM, Nov 11, 2022 Florida’s insurance industry was crumbling long before Hurricanes Ian and Nicole hammered the state. About 10 insurance carriers either collapsed or pulled back coverage in recent […]

New Florida law, Lee County guidelines handcuff mold mitigation businesses

New Florida law, Lee County guidelines handcuff mold mitigation businesses

Mold mitigation businesses have deployed trucks that are inundating Southwest Florida roads. Hundreds of them have descended upon the area to clean up properties after Hurricane Ian wrecked the coastal areas Sept. 28.   One of the truck drivers made a 5,200-mile round trip from his home in Carlsbad, California, looking for new business opportunities. He […]

By William Rabb | October 13, 2022 Email This Subscribe to Newsletter Email to a friend Facebook Tweet LinkedIn Print Article Article 2 Comments The parent company of Universal Property & Casualty Co., the second-largest property insurer in Florida, projects its total losses from Hurricane Ian to be about $1 billion, well below its $3 billion reinsurance coverage. The statement came a week after Citizens Property Insurance Corp., the largest in the state, revised its projected losses downward to no more than $2.6 billion. The relatively mild numbers have made some wonder if Ian could turn out to be less costly to the industry than initially feared. Some recent estimates of total industry-wide losses from Ian have been as high as $47 billion in Florida. Fort Lauderdale-based Universal said Tuesday that its expected losses are not huge because it holds a relatively small market share in the hardest-hit areas of southwest Florida. While the carrier commands 7.9% of the entire Florida market based on total insured value – down from about 10% late last year thanks to an effort to shed policies – it has just 3.8% in Charlotte, Desoto, Lee and Sarasota counties, which saw the worst of the winds in Ian. Universal does not write flood insurance policies. And many of its wind policies in those four counties are for condominiums and renters, which would not cover roofs and external structures damaged in the storm. Through early this week, Universal had received about 18,000 claims, half the number of claims received by that point after Hurricane Irma hit in 2017, the company said in a news release. The company said it had claims professionals in the Fort Myers area immediately after the storm, and has been able to handle most Ian claims in-house. “Our thoughts are with all impacted Florida residents,” CEO Stephen Donaghy said in a statement. “We’re focused on helping our policyholders rebuild and return to normalcy. Our claims, catastrophe response and customer service teams are on the ground and on the phone, helping our policyholders in their time of need.” Some Florida insurance executives have speculated that total loss projections made by a number of national analysis firms, some of which initially underestimated losses from Hurricane Irma in 2017, may have overcompensated this time. One recent estimate, by RMS, a Moody’s Analytics firm, pegged total losses from Ian at as high as $74 billion for the five states where it touched. The estimate does not include flood losses, but does factor in potential litigation costs. But that model may not be considering the fact that the Florida Legislature in the last three years has approved several measures designed to reduce claims litigation and attorney fees, some Floridians have said. Other companies with significant exposure in the southwest Florida counties have not released their estimated loss numbers. Olympus Insurance, which earlier this year held about 13,800 policies and $11 billion in exposure in the counties with the most damage, could not be reached for comment Wednesday. HCI Group, which includes Homeowners Choice P&C Insurance and TypTap Insurance, had about 19,000 policies in force in the four counties, according to the Florida Office of Insurance Regulation’s quarterly reports. So far, HCI has seen about 10,000 Ian claims and expects another 2,000 over the next month. The Tampa-based company said that the losses from Hurricane Ian would result in a $78 million net loss for the third quarter of this year. Total estimated losses from the storm have not been released, a spokesman said. But HCI’s update to shareholders this week provided some data that suggests that Ian may not have the impact that Irma had, and that industry-wide projections for Ian’s impact could be a little high. An estimated 560,000 homes in Ian, for example, were exposed to hurricane-strength winds above 74 mph. That’s less than a third of the number of homes in that category during Irma five years ago, HCI noted. The HCI companies’ policies exposed to those severe winds so far are projected to be about 21,000, less than half of the number in Irma. Whatever the final number on HCI’s losses, the company said it has ample resources and “significant reinsurance protection” for the remainder of the contract year. Part of that reinsurance picture for HCI and others is Florida’s Hurricane Catastrophe Fund, which was recently questioned by some in the industry after Ian made landfall. “FHCF is more solvent than speculated,” the presentation noted. “For Ian, some carriers might use little to no reinsurance limit provided by the FHCF. Others might fully exhaust their entire FHCF coverage. Any limit not utilized by an individual carrier will be available in the future.” United Property & Casualty Insurance Co. on Wednesday also said it has received about 19,000 Ian claims. It expects to see as much as 30,000 total, with at gross estimated loss of $1 billion, the company said in a statement. As of Wednesday, Oct. 12, the OIR reported that 495,667 claims have been filed due to Ian. Total estimated insured losses have reached almost $5 billion. Photo: Part of Fort Myers Beach, Florida, after Ian. (AP Photo/Alex Menendez)

Universal Predicts $1B in Losses from Ian; HCI’s Wind Exposure Less than Irma’s

By William Rabb | October 13, 2022 The parent company of Universal Property & Casualty Co., the second-largest property insurer in Florida, projects its total losses from Hurricane Ian to be about $1 billion, well below its $3 billion reinsurance coverage. The statement came a week after Citizens Property Insurance Corp., the largest in the […]

Ian_2022_Prism55

Broward County residents clean up after Hurricane Ian’s outer bands spawned tornadoes

ROWARD COUNTY, Fla. – Broward County residents spent their Wednesday and Thursday mornings cleaning up damage from one of several tornadoes that hit Broward County Tuesday night, spawned by the outer rain bands of Hurricane Ian. In interviews with Local 10 News, residents recounted the unforgettable moment the twister moved through their area. Rob Harvey […]

As Hurricane Fiona made landfall Sunday, most of Puerto Rico was under a flash flood warning in anticipation of the overwhelming downpour. The National Weather Service in San Juan warned of “catastrophic” and life-threatening flood conditions.

Hurricane Fiona makes landfall in Dominican Republic as most of Puerto Rico remains without power

By Elizabeth Wolfe and Melissa Alonso, CNN Updated 7:41 AM EDT, Mon September 19, 2022 Editor’s Note: In the storm’s path? Bookmark CNN’s lite site for fast connectivity. CNN  —  Hurricane Fiona made landfall in the Dominican Republic early Monday after slamming Puerto Rico with heavy rain, life-threatening flooding and an islandwide power outage. The […]

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