Question 1

Who do I call first?

Accepted Answer

Water Damages
Call emergency personnel first starting with 9-1-1, if lives are in danger! Next call should be Bio Response. Bio Response responds quickly to help mitigate further damage. Also, it is important to call your insurance, open a claim, and receive a claim number.
Other important steps early in the process are:
 • Look for potential safety hazards especially electrical and gas. If there is a hazard, exit and inform us upon arrival.
 • If safe to do so stop or control the source of the water. Shut off water main, turn off equipment spilling, use buckets, etc.
 • Print out your insurance policy. If you can’t find it, call your Insurance agent.
 • If safe to do so, move objects to prevent damage.
 • If living or working in a commercial or residential building, notify property manager immediately.

Fire Damages
Call 9-1-1 or local fire department. Even if the fire seems to be put out, it is best to have professional firefighters extinguish the fire. Be aware that there have been instances where a fire has reignited after seeming to be completely out. Also, remember that smoke harms more people in residential fires. Make sure you are a safe distance from smoke or smoldering. After fire is safely out, you can follow the same basic steps as above.

Question 2

Do I have to use the restoration company that the insurance company recommends?

Accepted Answer

In most cases, NO! Only if your policy states that it has to be a vendor from their list. Those policies are rare. You want Bio Response working for you and not a company working for your insurance company in your home.

Question 3

What do I need to open an Insurance claim?

Accepted Answer

Name, address, Insurance policy number, date of loss and cause for claim.

Question 4

Does insurance pay for emergency biohazard events?

Accepted Answer

Generally speaking, yes. Insurances have and do pay for emergencies associated with murders, home invasions, unattended death cleanup, suicide cleanup, and other biohazard cleanup events.

Question 5

Step-by-step guide on what to expect during your restoration process

Accepted Answer

Depends on the type of restoration and severity to the property. A general sequence of events:
1. A call is placed to Bio Response. Questions concerning the type of loss, timeline needs and general scope of damage will be asked.
2. A Bio Response Project manager arrives at home and introduces themself by name and title.
3. An initial inspection is performed. We will walk the property, take photos, and ask many different questions.
4. If any activities are needed to prevent further damage or make the property safe, they are performed.
5. A scope of work is created and shared with client and adjuster. If an emergency situation, work authorization is signed and work commences immediately. If not an emergency then project managers will wait for adjuster assigned by insurance to commence restoration.
6. Restoration starts with our trained technicians performing restoration duties which include:
    • Water extraction
    • Content manipulation
    • Demolition
    • Containment building
    • Decontamination
    • Proper packing and disposal

1. Before, during, and after the project manager will be documenting via picture and text the process for billing purposes.
2. Usually machines such as Fans, Dehumidifiers and Air scrubbers are utilized for several days to create the desired environment to remediate the environment.
3. Upon completion, the project manager will discuss who and how the property will be rebuilt.
4. A job completion form is signed by homeowner

Question 6

What happens during the water damage restoration process?

Accepted Answer

First, we send someone to your home to inspect the damage.

Second, we create a plan (scope of work) specific to the damage in your home as well as document damage.

Third, we make sure the source of the water has been stopped and fixed.

Fourth, we perform mitigation actions and install state-of-the-art equipment as well as document the process.

Fifth, we make sure the job is complete and thoroughly check to make sure everything is dry and safe.

Question 7

How might a flood damage my home?

Accepted Answer

Water damage can destroy contents, furniture, electronics, drywall and can cause mold if not properly dried.

Question 8

Is water damage covered by insurance?

Accepted Answer

Generally, yes but it also depends on your policy and the cause of the water damage. Insurance policies can be complicated and they have their own language and limits. It also depends on what type of insurance you have. Your insurance provider can deny a claim if it was due to your own negligence.

Question 9

What are the common causes of water damage?

Accepted Answer

Hurricanes, floods, pipe breaks, or any natural disaster may cause water damage. The major causes of water damage are leaking pipes and air conditioners leaking. Even fire can be a water event as water is used to put out the fire.

Question 10

Does flood insurance cover a pipe burst or roof leak?

Accepted Answer

No, floods are naturally occurring events when the water rises up from the floor. Think, storm surge, levee breaks, or rain overflowing a river.

Question 11

How long will it take for my property to dry?

Accepted Answer

All the materials in your home are different and the amount and type of water intrusion as well. It all depends on what got wet and how much water damage there is. The drying time usually takes between 3 to 6 days but depends on the factors mentioned.

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