Water/Flood Damage
Water damage in your home is an annoying situation when you get home, but if not correctly cared for it can cause extremely costly repairs and health issues. If left unchecked, water damage can lead to shifting foundations, mold, and the destruction of the wooden support structure holding up your home. Even if it looks like a bit of discoloration, you should have it checked out before it's too late.
Dos & Don'ts of
Water/Flood Damage
DO
- Do Put our number (419) 504-1601 into your contacts and speed dial.
- Do Call us for names of vendors we know to be proven to handle water/flood damage.
- Do Find the source of Water/Flood damage and, if possible, safely stop it — or at least mitigate further damages.
- Do Dry up the water after documenting the damage. This may prevent it from penetrating floors, walls, baseboards, and cabinets. If the loss is more than you can dry out, contact a professional water remediation company.
- Do Document everything thoroughly — moisture, discoloration, swelling, smells.
DON'T
- Don't Don't keep heavily water-damaged belongings. Even when standing water is dried up, your floors, walls, and possessions may remain wet. These items might need to be discarded — or your home may start experiencing mold (which can travel through air conditioning systems). If black mold proliferates, you may be jeopardizing your health.
- Don't Don't throw away any damaged items until the insurance adjuster has had an opportunity to come and assess the damage.
- Don't Don't hesitate, if needed, to hire a mold remediation company after a water loss — and after remediation, get a mold test to ensure your home is mold free.
- Don't Don't start any work until you and the insurer agree on the Scope of Loss.
Disclaimer: We're not contractors, please seek contracting advice from licensed contractors who specialize in this field.
Other Claim Types
Ohio Claim Help
Why Water/Flood Damage Claims Get Underpaid
Insurance carriers often narrow the scope, separate related damage, miss hidden conditions, or price repairs below what Ohio contractors actually need to restore the property.
KCC documents the damage, reviews the policy, builds the claim position, and pushes back when the insurance estimate does not match the real loss.
Call KCC When
- The first estimate will not cover the repairs.
- The carrier says part of the damage is old or unrelated.
- The claim is delayed, denied, or stuck in review.
- You want a policyholder-side review before accepting payment.
When The Amount Is Still Wrong
What Is Appraisal?
Appraisal is a policy process for resolving disputes over the value of a covered loss. If your insurance company accepts coverage for water/flood damage but the numbers are too far apart, appraisal may help move the claim toward a binding amount.
Insurance Appraisal Services