Will my Homeowner’s Insurance Pay for a Sewage Cleanup
in my Crawl Space?
In most cases, probably
not. In almost every case the claims adjuster is going to report that the sewer
line failed as a result of deterioration in the pipe. In fact, the adjuster is
going to ask many pointed questions as to your activity regarding maintenance
of the sewer line. Although the pipe is under the ground, Adjusters feel that it
is your property and you are responsible for maintaining it. Aftercare advises
that you contact us before calling your insurance company. Together we can
inspect the problem and come up with a presentation for the adjuster assigned.
The more knowledge you have the better the outcome for coverage.
There is however, a caveat
that may exist. If the sewer pipe is part of the infrastructure of the city or
town in which you reside, there may be coverage under the homeowner’s policy.
There is an endorsement available called “water backup and sump overflow”.
Although this endorsement is normally purchased for homes with finished
basements, you may have gotten it added to your policy automatically by the agent.
The coverage usually has a sub-limit of $5,000 or $10,000 along with a
deductible. If the water and sludge under your home is the result of a backup
in the infrastructure, then coverage will respond subject to the limit and
deductible.
In some areas of the
country where cities and towns have been affected by a shrinking tax base,
often times infrastructure maintenance is reduced to alleviate stress on the
budget. If that is the case where you reside then coverage may be available via
the water backup endorsement.
Aftercare knows the ends
and outs of making a claim for sewage spills under homes. Our technicians can
start immediately. Once we have cleaned a path to the broken pipe; your plumber
can get that break fixed. This will prevent further contamination in your homes
crawl space. Aftercare can now start to clean and disinfect all areas that have
come into contact with sewage. Aftercare will be happy to give you a free
estimate or answer any questions you may have. (757) 535-4367
Please click onto link below to read more
about Aftercare cleanup process.
Aftercare just completed clean up of a basement flooded with raw
sewage. The house was a rental and the heat was not working. When the
heating and air company came out to do repair the tech walked down to
find the basement flooded with 3 inches of raw sewage. They could not
get to the system do to the sewage contamination. This is where we came
in. Aftercare used three technicians to clean out the free standing
sewage. We started with proper safety equipment Tykem F suits are a must
in bad sewage Cleanups. These suits are expensive but worth every penny
once you get sewage all over you. Heavy duty boots and gloves are a must
to protect workers from sickness. Aftercare uses full face respirators
to protect the eyes and lungs. A lot of homeowners don't understand why
sewage cleanup is so expensive, safety equipment is a big part of the
expense. Full face respirators cost about 135.00 per mask. Some of the
suits are workers wear can run between 12.00 to 45.00 a suit. Disposal
fees can add up to a large amount. Once or workers were protected we
went to work. Shoveling thick raw sewage into 3mil bags can be a nasty
job. Within 15min you will be covered in sewage. Removal of all trash
and any items contaminated with sewage may require a dumpster. Once all
solids are gone aftercare uses vacuums to suck up all liquid sewage
water. With a water hose we start washing down all exposed areas. A 3
step bio-wash down is important to eliminate germs and disease. Drying
the exposed area with fans and dehumidifiers keeps mold and fungus from
growing. The final step aftercare does is a post treatment of micro ban
to kill of any germs that remain. Aftercare can clean up your basement
if you have contamination problem. Animal waste, Raw sewage, water or
urine we have done it all. Free estimate in any HAMPTON ROADS city.
(757) 535-4367 