Replacing your carpet after a flood - steps you should take - Westchester NY

By
Home Builder with The Flooring Girl
https://activerain.com/droplet/dnb

Berber carpet for basement in Westchester NYLately, we've had a lot of rain and floods in Westchester County NY.  Unfortunately, this has led to water damage in many homes, especially in basements - sometimes from water seeping in and sometimes due to failure of electrical equipment (e.g. water heater, sump pumps, etc).

 

 

If you or your friends have had a flood or water damage, here are some steps you should take:

1.  Call your insurance company/insurance broker to see what you are covered for.  Most insurance policies will cover you for failure on electrical equipment (e.g. water heaters, sump pumps) but not for floods. "Floods" (in insurance terms) are due to water seeping in from the outside...and unless you have flood insurance (which most people in our area don't), you aren't covered.  But, if the water seepage is due to sump pump failure (which sometimes happens because the sump pump couldn't handle everything...or because of power outage), you usually are covered.  Report it right away...this will save you a lot of headache in the long run.  Ask them what you are covered for, how much your deductible is for and for any advice (e.g. do they have someone they would recommend to help you mitigate the damage.

2.  Call a restoration company, such as ServPro in Scarsdale/Mt Vernon 914-699- 5181 or Belfor in White Plains (914-798-1440 to help you with the mitigation.  Not only will they help you mitigate and fix the water damage, but they will also help prevent mold damage.  One of the biggest mistakes customers make is waiting and letting the water and/or dampness sit there. Mold can start to grow in 48-72 hrs...and once you have it, it becomes more expensive to fix.  Not only can it affect the floors, but also the walls, so prevent it.  It will be even more expensive and time consuming to fix this later. 

The other mistake many people make is trying to fix it and dry it themselves (or with a handyman or GC who does not specialize in this).  They may use a shop vac or something and they never fully get the dampness out...only to find 2-3 months later much bigger and costlier problems.

If your insurance covers all this, definitely call the professionals.  Your insurance will cover it.  There's no sense potentially putting your family's health at risk, not to mention your home and the costs you'll spend later in repair.

In addition, the restoration company is your friend.  They have a vested interest in getting your home back to normal and making sure you are not out of pocket.  They will work with the insurance company to make sure you are fairly reimbursed for what has happened - for the mitigation and the restoration work - and your belongings.  If you need to stay somewhere else while things are being repaired, they'll work with your insurance company to help you find a hotel.  Trust me, you want them on your side.

2a.  Take care of whatever you can before help arrives.    Sometimes, when there is a major rain storm, you are not alone in your flood.  The insurance companies and restoration companies' phones are ringing off the hook and it make take them some time to get to you.  You'll have to be the best judge of this.  If you can see where the issue is arising and do something to prevent more water from coming in, provided it's safe, do that.  Move your personal belongings before they get wet, move stuff out of the area, etc...again, provided it's safe.

If you have carpet there, you may want to try to remove it.  It's the carpet pad itself that usually causes the biggest issue so the faster you (or someone) can get that up, the better off you'll be (and the less your house will smell.

patterned carpet - westchester NY3.  Okay, now you're ready to replace your carpet and get things back to normal.  Sometimes your restoration company will help you get everything back to normal.  They will replace the flooring (and call someone like me), repair the walls, repaint, etc...basically, they are there to help you get your room(s) back to how it was before and replace "like for like."  This means that you should be getting the same sort of quality that you had before...but of course if you want to change colors or styles, you can.  If you would like to upgrade, you can...provided you pay the difference in the cost.

Sometimes, the insurance company gives you an estimate on the replacement value (via the insurance adjuster) and they may even cut you a check and from there you can hire whomever you want to replace the flooring.  Other times, they ask you to find someone like me to provide an estimate and then they'll compensate you - sometimes before the work is done; sometimes after 0 each company works differently.

I've been brought in to provide estimates.  Sometimes the one put together by the insurance company is dead on; other times, they have missed stuff, so it's usually good to have a professional flooring (or painting or handyman or whatever type of company) come in to give an estimate and validate the #'s.  Usually when the insurance company has forgotten something, they will usually compensate you for that.  They are not the experts and haven't always seen your home, so they may not know that floor prep is involved or furniture to be moved, etc.

If you live in Westchester NY or Fairfield CT and have had a flood, feel free to give us a call at Floor Coverings International 914-937-2950.  We'd be happy to help you replace your flooring - carpet, hardwood, laminate, tile - and make sure that you are getting full replacement value.  We can provide an estimate to your insurance company.  We can also recommend someone who can mitigate the flood and/or other damage or even mold.  Or, if all you need is a carpet cleaner, we can recommend that to you as well.

Floor Coverings International is here to help you.

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Re-Blogged 4 times:

Re-Blogged By Re-Blogged At
  1. Sally K. & David L. Hanson 06/27/2011 01:17 AM
  2. Barbara "Barb" Bodnar, Licensed Associate RE Broker 06/29/2011 03:15 AM
  3. Hillary Sheperd 08/28/2011 11:14 AM
  4. Mark Woodward 08/30/2011 04:18 AM
Topic:
Home Improvement
Location:
New York Westchester County Scarsdale Scarsdale Home Improvement
Groups:
Hudson Valley Real Estate and Mortgage Professionals
Westchester County
Tags:
westchester carpet store shop at home

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Rainmaker
844,439
Bruce Walter
Keller Williams Realty Lafayette/West Lafayette, Indiana - West Lafayette, IN

Debbie, you have done a nice job in explaining the process of mitigation and PREVENTION for everyone to understand what to expect if and when water damage does occur.  Sump pumps do wear out after countless years of operation!  Excellent post!

Jun 27, 2011 01:11 AM #1
Rainmaker
2,799,239
Debbie Gartner
The Flooring Girl - White Plains, NY
The Flooring Girl & Blog Stylist -Dynamo Marketers

Bruce - Thx so much.  I hope people find this help.  I'm usually contacted well after the flood - often 2-3 weeks later...so I see what has worked as well as the mistakes many have made.

Jun 27, 2011 01:16 AM #2
Rainer
241,676
Michele Miller ~ REALTOR®, LMC, HSE, CHS, SRES, CMRS
ERA Key Realty~Worcester County Realty Group - Worcester, MA
'Helping You Make the Best Move"

Debbie,

Water damage is the worst and can do so much destruction.

As always, thank you for another informative post!

Jun 27, 2011 01:44 AM #3
Rainmaker
2,799,239
Debbie Gartner
The Flooring Girl - White Plains, NY
The Flooring Girl & Blog Stylist -Dynamo Marketers

Michele - Thx. yes, water can be extremely diestructive to home - both short term & long term.

Jun 27, 2011 01:46 AM #4
Rainmaker
2,380,188
Anita Clark
Coldwell Banker Access Realty ~ 478.960.8055 - Warner Robins, GA
Realtor - Homes for Sale in Warner Robins GA

Very good informational post Debbie...no one wants to go through this but it's good information to know in the event there is an emergency/disaster.

Jun 27, 2011 02:26 AM #5
Ambassador
1,159,214
Craig Rutman
Helping people in transition - Cary, NC
Raleigh, Cary, Apex area Realtor

Solid advice here Debbie. Hopefully this never happens. But if it does, this post will help those who are luckily enough to read this.

Jun 27, 2011 02:57 AM #6
Rainmaker
774,384
Joanna Cohlan
Fresh Eyes For Your Home - Chappaqua, NY
Designing, Decorating & Staging Westchester Homes

I actually had water damage in a home I lived in because the water table was so high and just one storm-My local Serve Pro at that time did an amazing job of making it like it didn't happen!!

Jun 27, 2011 05:41 AM #7
Rainmaker
2,799,239
Debbie Gartner
The Flooring Girl - White Plains, NY
The Flooring Girl & Blog Stylist -Dynamo Marketers

Anita - You're right.  It stinks when it happens.  I've seen a lot of families who have had this so we try to give them some extra care.

Craig - I know what you mean and I hope it comes in handy for whoever needs it whenever they need it.

Jun 27, 2011 05:42 AM #8
Rainer
466,633
Jeremy Wrenn
Winslow Homes - Youngsville, NC
C.O.O., Winslow Homes

Debbie, good article.  I think Bob Timm may need your advice soon.    :(

Jun 27, 2011 01:03 PM #9
Rainmaker
506,280
Ellen Caruso
Daniel Gale Sotheby's International Realty - Glen Head, NY

Debbie, great info....I hope anyone who googles info on this subject comes to you, the expert!

Jun 27, 2011 01:45 PM #10
Rainmaker
2,799,239
Debbie Gartner
The Flooring Girl - White Plains, NY
The Flooring Girl & Blog Stylist -Dynamo Marketers

Joanna - So sorry to hear that, but so glad Servpro did just a good job.  Denise and her crew are excellent.

Jeremy - I think you may be right...not sure how those big disaster situations are handled by insurance.  I feel for him and all his neighbors.

Ellen - Thx.  That would be a great wish - hope it comes true.

Jun 27, 2011 02:36 PM #11
Ambassador
3,988,913
Debe Maxwell, CRS
www.iCharlotteHomes.com | The Maxwell House Group | RE/MAX Executive | (704) 491-3310 - Charlotte, NC
The right Charlotte REALTOR!

WOW, Debbie!  I am so green with envy of the agents who have you to work with in your area!  Oh, how I wish I had a Debbie Gartner here in Charlotte!  GREAT post from the QUEEN of White Plains NY flooring!

Jun 27, 2011 04:12 PM #12
Rainmaker
2,799,239
Debbie Gartner
The Flooring Girl - White Plains, NY
The Flooring Girl & Blog Stylist -Dynamo Marketers

Wow, Debe that is suvh a nice compliment.  I really appreciate it.  BTW, if you ever need help I know 2 women in Charlott who also own a Floor Coverings Intnerational.

Jun 27, 2011 11:04 PM #13
Rainmaker
1,911,519
Jay Markanich
Jay Markanich Real Estate Inspections, LLC - Bristow, VA
Home Inspector - servicing all Northern Virginia

Wouldn't it be easier and save time, and really get prepared for the next flood, to simply paint the floor and walls with swimming pool paint?

Jun 28, 2011 12:48 AM #14
Rainmaker
434,092
Kristine Ginsberg
Elite Staging and Redesign, LLC - Short Hills, NJ
NJ Home Stager

Debbie - talk about a timely post - the north-east has gotten so much rain there's been a lot of flooding. As usual you are a wealth of knowledge and this will help so many people who are experiencing this right now.

Jun 28, 2011 01:23 AM #15
Rainmaker
2,799,239
Debbie Gartner
The Flooring Girl - White Plains, NY
The Flooring Girl & Blog Stylist -Dynamo Marketers

Jay - LOL.  But, you know the paint will come up too.

Kristine - Thx.  Yes, there have been a bunch of floods lately, so I hope this will in handy for those that need it.

Jun 28, 2011 12:53 PM #16
Ambassador
1,306,207
Dagny Eason
Dagny's Real Estate - Wilton, CT
Fairfield County CT, CDPE Homes For Sale and Condo

Debbie - Really great post!  Hopefully those in the flood areas will call you from this post!

Jun 29, 2011 12:37 AM #17
Rainmaker
2,799,239
Debbie Gartner
The Flooring Girl - White Plains, NY
The Flooring Girl & Blog Stylist -Dynamo Marketers

Dagny - Thx.  I appreciate that.

Jun 29, 2011 01:24 AM #18
Rainer
55,127
Mark Woodward
Floor Coverings International - Randolph, NJ
We bring the flooring store to your door

Great post, Deb.  And, this one also fits perfectly for now.  I'm going to reblog for the folks in New Jersey.

Aug 30, 2011 04:16 AM #19
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Rainmaker
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Debbie Gartner

The Flooring Girl & Blog Stylist -Dynamo Marketers
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