FAQ

  1. What should I do if I have a pipe break in house?

  2. If I have a sump pump that has failed to operate and my basement floods, am I covered by insurance?

  3. If my roof has a leak. Is the water damage inside of my residence covered by insurance?

  4. If the city is cleaning the storm sewers on my block and causes a sewer back-up in my basement, will my insurance company cover the damage?

  5. If my finished basement had a flood 2 days ago and the water receded, can I clean the effected drywall with Clorox to sanitize and save the drywall?

  6. Recently I moved some boxes away from my storage room in my finished basement and noticed what looked like mold growing on the drywall. Will my insurance company cover the removal of the mold and the subsequent repairs?

  1. Question: What should I do if I have a pipe break in house?
    • Answer: a) Locate the shut off valve for the main water supply line and turn it off.
      b) Contact a plumber to repair the pipe.
      c) Move and relocate all contents, especially cardboard boxes from water saturated area.
      d) Contact MJM Restoration to extract the water from the effected area and place dehumidification equipment to start drying process. This activity is required to reduce any subsequent damage to structural components that may have been impacted by water and to reduce the possibility of mold developing.
      e) Contact your insurance company.

  2. Question: If I have a sump pump that has failed to operate and my basement floods, am I covered by insurance?
    • Answer: Only if your insurance policy states that you have coverage. Typically if your policy does not initially cover this type of loss, you can purchase additional coverage for sump pump failures although most insurance companies have minimum limits of coverage that they will allow for this.

  3. Question: If my roof has a leak. Is the water damage inside of my residence covered by insurance?
    • Answer: Typically if the water damage is classified sudden and incidental. The damage inside of your residence is covered although if it is determined by the insurance company that your roof shingles are in need of replacement due to age. The roof would not be covered and would have to be repaired prior to the interior repairs being performed.

  4. Question: If the city is cleaning the storm sewers on my block and causes a sewer back-up in my basement, will my insurance company cover the damage?
    • Answer: Typically the insurance company does not cover damage to your residence unless you have purchased additional coverage from your insurance company for this.

  5. Question: If my finished basement had a flood 2 days ago and the water receded, can I clean the effected drywall with Clorox to sanitize and save the drywall?
    • Answer: Drywall acts as a sponge and if you did not contact a company out immediately to extract the water and place dehumidification equipment for structural drying. The likely hood that the drywalls structural integrity has been compromised and will have to be removed and replaced.

  6. Question: Recently I moved some boxes away from my storage room in my finished basement and noticed what looked like mold growing on the drywall. Will my insurance company cover the removal of the mold and the subsequent repairs?
    • Answer: First it is important to determine what caused the mold to grow on the drywall. Typically it is from a water leak that has gone unnoticed for a period of time (It is important to repair the water leak as soon as possible to prevent further damage). Most insurance companies do not cover mold removal although some insurance companies offer additional minimum coverage for an additional cost.

Disclaimer: The answers that were given to the above referenced questions are not to be taken as insurance company and or legal advice. It is important that you discuss your insurance coverage with your insurance agent and understand your policy thoroughly.

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How We Helped One Family Recover From Water Damage

When they came back in the fall to their winter residence they discovered that their upstairs toilet tank had cracked and had been running for 2-3 weeks. All (3) levels of their residence had sustained significant damage. more info

Testimonial
While away a pipe broke in there home and completely damaged all 3 floors of the house. The house had to be completely renovated. Within 2 months the work was completely done and the house was ready to be moved into. My neighbors were even impressed with their work and hired them for some of their home improvements. I would definitely recommend MJM to any of my friends and or family.


~ Sarah S., Flood in Livonia, MI