Insurance Coverage for Water Damage and Mold Removal

Insurance Coverage for Water Damage and Mold RemovalSo your house has had water damage caused by a burst pipe, a roof leak or by torrential rains. You are hoping that your homeowners’ insurance policy will cover the damage. Do you have insurance coverage for water damage and mold removal? Usually, the way you describe the damage to your insurance adjuster will determine the outcome of your claim. It is therefore important to know more about mold and water damage first and their implications to insurance policies.


Molds are microscopic organisms belonging to the fungi group. They are considered as natural decomposers and require moisture to grow and survive. Molds, if allowed to grow inside the home, can damage your possessions and can cause a number of health problems for you and your family.

Health problems that are associated with mold growth may include skin allergies, allergic reactions to the respiratory system such as asthma or allergic rhinitis.

Mold and Your Insurance Policy

If your home is affected by water damage, you must dry it out immediately to prevent the growth of mold. Gold Coast Flood Restorations is equipped to help you do just that. It is likely that the insurance adjuster will want to find out what caused the water crisis, and would assess if the water damage is covered by your homeowners’ insurance policy.

Insurance companies typically cover mold and water damage to homes if it is directly related to an insured loss. The direct cause of the water damage should be properly identified. Insurance companies will also send out an insurance adjuster to confirm your reports and to assess if the damaged areas or the mold growth is pre-existing.

If the insurance adjuster determines that the damage and mold growth in your home is pre-existing, then the insurance company will not cover the damage and your claim will be declined. Furthermore, the insurance adjuster may assess that the mold growth is caused by other factors besides the one that you reported. Other factors of mold growth may be caused by lack of maintenance or poor ventilation. If this is the case, the insurance company will not cover the cost of mold remediation.

Insurance Coverage for Water Damage

Insurance policies are also designed to cover only the cost of cleaning up the water damage and restoring the wet items to their original, pre-loss condition. Homeowners’ insurance policy may or may not pay for the cost of repairing the cause of the water leak depending on different factors.

For example, if the attic was soaked by water because of a roof leak, the insurance company will cover the cost of drying the attic and the items inside it. It will not however cover the cost of repairing the roof leak since this is considered to be a maintenance cost that should be shouldered by the homeowner.

If the water damage is covered by your insurance policy, hire a contractor to clean up your home and make repairs as needed. Make sure that the contractor you choose is properly trained and equipped to handle water damage and mold remediation.

Call us today for an evaluation.

How to Prevent Water Damage in San Diego

The main cause of your house ruin is water damage in San Diego. Not only does it weaken your home’s’ foundation, but it also wrecks the very core that holds your house in-tact.

Perhaps you’ve heard about the core strength for your body. Well, water damage hits at the very core strength of your home, eventually causing extreme damage. Damp wood invites termites and carpenter ants; plus, it causes mold and mildew.

Here are three easy things to do to that will give you piece of mind the next time heavy storms hit.

Prevent Water Damage San Diego CA


#1. Ensure Good Drainage to Prevent Water Damage

Why it matters: Poor drainage weakens your foundation, causing cracks, uneven settling, and pathways for water to enter your home.

How to do it:

  • Clean your gutters routinely. A clogged gutter will send cascades of water down the side of your house, damaging your siding and foundation.
  • Ensure your downspouts direct water 5 to 10 feet away from your house.
  • Make sure your yard is sloped at least 6 inches over a 10-foot span away from your foundation. That slope keeps water from getting down right next to your foundation, where it could cause walls to lean, crack the masonry, and create leaks. (For crawl spaces, keeping water away makes sure excess water doesn’t pool underneath your floor, making for damp conditions that encourage mold, rot, and insects.)
  • But don’t let the soil get too dry, either. Long dry spells let the soil around your house dry out and shrink. A big rain may make the soil expand, putting pressure on your foundation walls. In a drought, run a soaker hose at least 6 inches from the foundation and 3 inches under the soil to keep the soil from contracting and expanding.

Maintenance cost: Very little. Cleaning gutters can be a no-cost DIY job, or you can hire a pro for $50 to $250, depending on the size and height of your home. To get the soil slope you need, you might have to buy some additional topsoil.

Worst case if you put it off: Your foundation could settle, cracking your basement walls. The cost to stabilize, repair, and seal deteriorated foundation walls is a whopping $15,000 to $40,000.

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floods San Diego CA

The Floods of Fall – San Diego Flood Dangers


As the East Coast sifts through the devastating floods and wreckage left in the wake of Joaquin, one might feel blessed to live in San Diego, America’s Finest City, and probably home to America’s finest climate.

While we here in southern California will likely never have to deal with catastrophic hurricane damage, other, more inconspicuous flood dangers are poised and ready to ravage your home with far less warning than those on the East Coast received.

With the onset of Fall comes seasonal temperature swings that can cause rapid contraction and expansion of plumbing pipes, leading to potentially devastating floods from slab leaks.

Depending on the type of flooring in your home, slab leaks can often go unnoticed for some time, allowing water damage to spread and affect more than just the floor itself – oftentimes saturating walls and damaging cabinetry. While this slow-developing type of water damage may seem far less apocalyptic than the wall of sea water which slammed into South Carolina it can nonetheless cause thousands of dollars in damage if left unchecked and not mitigated immediately by a professional flood restoration or water damage professional.

As is the case in any type of water damage, early detection and quick response are the keys to limiting damage to your home. Slab leaks may manifest themselves in different ways. A hot-water slab leak will create pockets of temperature change that may be noticeable to the touch. If you are experiencing a drop in water pressure at your faucets, take a barefoot stroll around your home and take note of any warm spots in the floor.

Hot flooring is a sure indicator that a hot water supply pipe may have cracked in your slab and is leaking moisture. Other signs to monitor include sagging or raised floorboards, mysterious staining, dark lines along floorboard joints, soggy carpet, cracked or loose tiles, or pooling water. If you suspect you may have a slab leak, the first step is to call a plumbing company that specializes in leak detection to perform a pressure test and locate the source and location of the leak.floods San Diego CA

For Floods Call Gold Coast Water Damage Restoration Services

Your next call immediately after should be to a Flood Restoration or Water Damage Company that specializes in mitigating the harmful effects of household floods. While your first thought may be to dig up your insurance agent’s number, it is generally in your best interests to wait until the source of loss and extent of damage is determined by a plumber and a flood restoration specialist.

Immediately filing an insurance claim when the damage may be minimal and monetarily less than your deductible amount results in an insurance claim being permanently added to your insurance record. Much like your credit score, having an insurance record with too many claims can be detrimental and puts you at risk of being dropped by your carrier.

Allow a plumber to confirm the source of the leak, and a water damage technician to assess the damage. This way, a specialized flood professional is there to help you determine if the damage is extensive and if it is in your best interests to file a claim. Now you have someone experienced in the ways of the insurance industry to help guide you through the insurance process and coach you in speaking with a claims representative to ensure your losses are covered by insurance.

Regardless of the size of the damaged area, immediate mitigation techniques should be deployed to at least cease the spread of damage and prevent mold from growing. Gold Coast Flood Restorations is a San Diego local family-owned and operated water damage and mold remediation company which has been assisting San Diegans with their water damage problems for the last 24 years. Our friendly and experienced technicians are available 24 hours a day, 7 days a week to help you assess water damage to your home and help you on your way to a quick, thorough, and efficient restoration process.

Whether the damage is minor or severe, we are there for you every step of the way, and can work directly with your insurance carrier on your behalf, while keeping your best interests in mind – something the corporate insurance-preferred vendors who work for the insurance companies cannot claim. The insurance companies may want to force their big guns on you, but remember that in the State of California, you as the homeowner have the right to choose who performs work on your house – whether it’s a corporate franchise or your local specialists – the choice is up to you, not your insurance carrier.

As our thoughts and prayers go out to the millions of people affected by devastating floods which damaged the East Coast, it is important to be cognizant of water damage in your own home. If you do experience or suspect a problem, give Gold Coast Flood Restorations a call today and don’t let water damage ruin your home!

water restoration service San diego

4 Keys to Water Damage Restoration Service

water damage restoration service San diegoFloods can come out of nowhere. Maybe you had a sudden plumbing leak in the downstairs bathroom. Maybe a major rainstorm caused the creek near your house to spill over its banks and run into your living room. Whatever the reason, and however much water actually got into your space, you shouldn’t delay bringing in a water damage restoration service to help you deal with the aftermath.

Even a single inch of standing water can end up causing long-lasting problems in your home, if not dealt with properly and quickly. Standing water and excessive moisture in the air can cause aesthetic and structural damage to your home. It can even lead to hazardous mold and mildew growth, which can have a negative impact on your family’s health. Luckily, water restoration experts can step in when you’re dealing with a water emergency and make the cleanup process less painful.

In general, water damage restoration service needs to include a few key steps:

* Water Removal: If you’ve got standing water in your home after a flood, your first order of business is to get that water out. Water damage restoration service pros can extract standing water and help you dry carpets, furniture, and other surfaces.

This step also includes dehumidification to remove excess moisture from the air. Hiring a professional rather than attempting DIY water extraction can help you ensure that every last drop of moisture is gone, which can prevent issues down the line.

* Mold Testing and Removal: Mold spores thrive in a moist environment, which is why it’s essential to get flood water out as soon as possible after the incident. If, however, you weren’t able to take action immediately, for instance, if you were out of town during the flood or you didn’t know a pipe was leaking until it actually burst; it’s a good idea to get tested for mold growth in the affected area. If evidence of mold is found, a mold removal team can take steps to isolate the outbreak, kill the spores, and keep the mold from coming back.

* Upholstery and Carpet Cleaning: Water can damage your belongings as much as your building’s structure, especially if the flood waters came from outside, mud and muck can leave your carpets and upholstery grimy and smelly. Professional upholstery and carpet cleaning can get your surfaces spotless and sweet-smelling again.

* Demolition and Reconstruction: Major floods can lead to major damage, and it’s possible that some structural elements won’t be able to be salvaged. Bringing in an interior demolition contractor to assess the water damage and remove badly damaged walls and other structural elements will ensure that you’re on your way back to a home that’s clean, safe, and structurally sound.

What’s the key throughout the water damage restoration process?

Getting professional help! Water damage restoration service companies know the signs of serious water damage and can identify and resolve issues before they get worse and more expensive to fix. Your family’s health and safety depend on inhabiting a space that’s dry, clean, mold- free, and sturdy.

Call us at Gold Coast Flood Restorations, your local San Diego water damage restoration company at (858) 500-3454.

water restoration service San diego

Beware of Water Damage from AC Condensation Leaks

AC Condensation Leaks Are a Common Source of Household Floods

AC condensation leaks are  the most common household flood that we see when  temperatures begin to soar in  August and September in San Diego.  If water is pooling around the air conditioner, when the air conditioner is being used, then it is likely that there is a air conditioner condensation line leak or pump leak.

Why Is Water Pooling in an Inside Air Conditioning Unit?

Part of your ac unit’s task is to pull humidity from the air. The inside device’s blower draws in hot, humid air through the return grille and over the inside system’s cold evaporator coil to cool the air down. When that happens, condensation/droplets form on the evaporator coil. It’s just like when water droplets bead up on a glass of ice cold water on a hot summer day in Southern California

That water on the evaporator coil drips onto a sloped drain pan and funnels down onto a condensate drain line. That drain line (normally a PVC pipe) either exits out the home (typically near the outdoor unit) or into your plumbing.

Common Problems That Cause Air Conditioner Water Damage

water damage from ac condensation leaks San diegoThe warm, damp environment underneath an air conditioner’s evaporator coil is a perfect breeding ground for algae.  This natural advancement might migrate into the condensate drain line or the drain catch and also form a blockage. Condensate overflow because of a clogged drainpipe may be captured by an overflow pan underneath the air conditioning unit, but if the overflow pan is missing out on, or has actually broken, rusted or established a leak, or if the overflow pan’s drainpipe line leads to the same main drain line that is blocked, water leaks will occur. Home water damage from a hidden air conditioning system condensation line leak can be considerable, in addition to expensive, by the time a leak is finally discovered by the homeowners.

If the drain line gets clogged by dirt, calcium buildup from San Diego’s very hard water, insects, mold, or anything else, the water has nowhere to go but back into the home.

Another problem may be a dirty evaporator coil. Dirt will mix with the water and fall down into the pan, clogging the drain.

“Air conditioner floods  or condensation line leaks are much more common than someone might think” says Joe Colombo, owner of Gold Coast Flood Restorations. “Condensation leaks can create a lot of water damage, this is because they often go unnoticed. Many leaks are hidden by walls or they are in low traffic areas, and frequently the leak is not spotted until somebody sees a visible spot on the walls or feels a wet spot on the carpet.”

The higher humidity and dark areas around the condensation lines might also make them prone to mold growth. As the mold grows, it gets dispersed through the heating and cooling system or HVAC system to the rest of the house. Mold development within the home can be extremely terrible. If left uncontrolled, mold can trigger major structural damage to a house as can be a health hazard.

Call a Professional Water Damage Restoration Service Company

If you have water damage in San Diego or the surrounding area, the highly-trained specialists at Gold Coast Flood Restorations are here to help.  Water damage should be treated quickly to prevent the growth of mold. Timely action can prevent the high costs associated with mold remediation.

storm water damage San Diego CA

Who to Call for Storm Water Damage San Diego

Storm Water Damage Cleanup San Diego CA

When a substantial storm passes through San Diego your home may suffer storm water damage that is tough to repair. There are lots of things a household can do to start fixing any destruction, however a certified water damage and mold remediation specialist will likely be needed to eliminate any significant health or structural threats. Contaminated storm surges or floods can bring with them pathogens and end up being a breeding place for mold. If enabled to fester, these mold spores can spread out throughout the house or office building and end up being much more difficult to remove. In a lot of cases, government authorities might condemn the structure if the microbial danger is too great.

storm water damage San Diego CAProfessional water damage restoration services in San Diego like Gold Coast Flood Restorations can rapidly recognize exactly what structures and items in the house are jeopardized by storm water damage. Usually, anything that is permeable might need to be discarded if it has in fact touched with contaminated fluids. These items, like mattresses, box springs, pillows and particle board, trap more moisture than other products and cultivate the growth of germs. A household can prepare for expert maintenance by getting rid of these items prior to the specialists show up, however be sure to effectively record and detail the products for insurance coverage purposes prior to disposing.

Once experts get to the structure, they will certainly be able to discover any pockets of excess moisture and remove them. Qualified experts can locate these pockets of wetness making use of devices that determines the wetness in hidden pockets and behind tile and other products that might not feel wet on the outside. When these pockets of moisture are discovered, the specialists will expose them to air by eliminating any drywall or other items in the way. As soon as the place of the wetness has been identified, the experts will start the clean-up treatment that might consist of pressure cleaning the location with efficient cleaner. These service technicians are likewise able to speed up the drying procedure to prevent the growth of any molds or other hazardous germs. If the storm water damage specialist discovers mold, they will certainly understand ways to determine and get rid of the risk utilizing chemical or mechanical techniques.

Storm Damage San Diego CA

The major reason a house is sensitive to water damage and mold is mainly due to the fact that moisture is tough to discover after the floods decline. Standing liquids can encourage microbial advancement within 24 hours and can fill all types of fabrics and seep through drywall. Wetness might collect behind the walls, where mold and germs might increase out of sight. If a household reacts rapidly enough, clothes and furnishings might be saved. Nonetheless, people need to beware when entering a building that has just recently been flooded.

Prior to getting in a home affected by water damage, make sure the electrical power is turned off. Exposed wires or plugged in gadgets can electrocute individuals, resulting in considerable injury and even death. Likewise, it is best to use precaution and to move slowly through the structure when re-entering it for the first time. Snakes, reptiles or rodents might be concealed under particles and may snap and bite all of a sudden. To secure against wildlife and airborne pollutants, put on protective clothes from head to toe, consisting of a vapor respirator, rubber gloves and eye security. Likewise, placed on thick boots that can withstand puncturing and animal bites.

It’s essential for a household to work with storm water damage specialists that are authorized through a trustworthy business. Experts trained in this area comprehend the very best methods to find compromised locations and do exactly what it needs to recover them.

Mold San Diego CA

Mold Contamination Removal San Diego CA

mold contamination removal San Diego CAA considerable side effect of San Diego water damage is mold. Mold is created by excessive moisture, and is damaging to your wellness. Mold removal is crucial to make your home a safe and healthy location to live. Too much dampness can make it possible for household mold and mildews to establish on walls, floorings, ceilings, or even in the furnishings, resulting in health and wellness concerns for you and your household. Make certain mold does not feel welcome in your house.

Steps for Mold Contamination Removal

  1. Assess mold growth – Understand that all mold problems begin with a moisture problem first. Find the moisture and you will find the mold.
  2. Create a mold remediation plan – Who is going to perform the remediation?  When will is start? Will the occupants have to relocate during restoration?
  3. Calculate the extent of the mold contamination – Determine which areas have been contaminated and how much mold contamination you have.
  4. Remediate mold contamination –  Remediation involves cleaning up existing mold while avoiding exposure to oneself as well as homeowners, as well as preventing new growth by addressing the moisture source.
  5. Inspect and determine success of mold cleanup – It is highly advised that you inspect the premises again after all remediation and cleanup has been completed. Depending on your company and the specific details of a mold problem, additional testing by an environmental testing company may be performed after the clean up to verify that all mold has been removed.

Following flood damage or water damage , mold development is a major concern, particularly in the humid environment found along our coast. If you have recently had water damage from a burst pipeline or flooding rains and have experienced mold growth as a result, call Gold Coast Flood Restorations as quickly as possible. Mold development can produce unhealthy conditions for your household or workers– specifically those who have asthma or allergies. Our mold removal professionals will take needed steps to eliminate mold from your house or company. For professional mold removal, contact Gold Coast Flood Restorations today!


How to Find a Good Flood Restoration Company

Until you are affected by a flood, most people wouldn’t give much thought to a restoration company. And when such a calamity occurs, you are often not in mind-set
where you can sensibly think of a way to restore your property to what it was.

The repercussions of a flood can be huge and often long lasting. It takes almost all your courage and perseverance to overcome such an incident. In such a situation, you need to begin your steps somewhere. Finding a professional water damage restoration company is that first and smart step.

gold-coast-flood-restorations-san-diego-mold-abateFlood restoration is a lot more than just removing the water content and making
the place dry. Even that could be a tough task if the water damage has been huge. And even after you dry the area, the place is still far from suitable for inhabitation. In other words, restoring an area that has been affected by a flood includes decontaminating the area, removing any kind of moisture content, removing all dirt and refuse that entered during the flood, checking and repairing electrical components, washing and drying the furnishing items like curtains and carpets and finally making the place ideal for residing.

As you can guess, these processes can be done only if there is technical knowledge about them and the machinery required to get them done with maximum effect and minimum time. And that means finding a professional local flood restoration company that can provide effective and efficient restoration services for you.

If you are living in a low-lying area that is prone to floods it is better if you don’t wait for the calamity to strike to find information about such a company. Better to have all the necessary contact info for your preferred water damage restoration company at hand so that in case there is sudden water damage you could call them without wasting time.

Professional Flood Restoration Service in San Diego

Gold Coast Flood Restorations employs advanced water damage restoration techniques and a highly efficient staff with experience in flood restoration and flood remediation. We understand the requirements of an area that has been damaged through flood. In fact, even without your informing them they would know the processes to be done to make your property as good as it was before or even better.

Call us at 888-373-9243 for San Diego water damage, flood restoration and mold removal remediation services.