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  • We are fully equipped to get you back to normal, fast!
Delta was a great experience friendy great job I would used Delta again and recommend to anybody Bruce was very helpful we appreciate. Walter F
Called and they had people on site the very same day. Jeremy W
Dependable service. Highly recommend. Jeannette H
Guys did a great job. I hope I don't need you again but will call if necessary. Alden L
You had an unusual task that our insurance company had never heard of: Cleanup after a fire extinguisher exploded in a bedroom leaving extinguisher residue 360 degrees in the room. You did an outstanding cleanup of everything. Thank You!. Srd S
We were totally satisfied by the work done in our home by Delta Disaster Services. Everyone in their organization proved to be professional in every respect. Richard D and Emily F Adams
Delta was a great experience friendy great job I would used Delta again and recommend to any body Bruce was very helpful we appreciate Walter Feitosa. Walter F
Did good job in good time, friendly staff. Gary H

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Typical Insurance Coverage Of Secondary Costs

Typical Insurance Coverage Of Secondary Costs

Typical Insurance Coverage Of Secondary Costs

It’s common for customers of ours to get concerned about insurance coverage. There can be a lot of questions that come up, even when the claim is covered. Who pays for things such as increased electricity bills from our equipment running, hotel stays when the bedroom’s flooded and can’t be slept in, and eating out when the kitchen isn’t usable? In this post we’ll talk about typical insurance coverage of secondary costs.

Origin of Loss

Whenever we are helping someone recover from a water loss at their home, for instance, one of the first items of business for all involved is to determine origin of the loss. We need to determine where the water originated so that we can fix the leak and keep it from re-flooding.

The other (very large) benefit to determining origin of loss is that secondary costs or damage clearly resulting from that loss can also be covered by insurance.  

 

Common Secondary Costs Typically Covered By Insurance

Electrical Costs: whenever we’re performing water extraction and water removal for a home, we’re always using top-of-the-line equipment. Air movers and dehumidifiers have come a long way in the last 20 years, but they still use up a lot of electricity. The additional electricity cost is typically covered by insurance since equipment is required for professional dry-out work.

Additional Living Expense (ALE): additional costs of living that result from an insurance policyholder leaving their home because of a covered insurance claim. If a water loss is so large that the homeowners can’t stay in their home, ALE kicks in. ALE covers costs such as hotel rooms, eating out, extra gas mileage to and from work, and sometimes even boarding for pets.

Asbestos: many homes built before 1978 contain asbestos in at least one part of the home. Some homes built after 1978 can even contain asbestos. In most cases, asbestos is not dangerous. However, if we must remove asbestos-containing material in order to dry out water-damaged material, abatement can become necessary to prevent any harm coming to the home’s inhabitants. So long as abatement is required in order to complete dry-out in the home, it is most often covered.

Mold: this is a tricky topic. Most insurance policies nowadays specifically exclude mold coverage. However, if mold growth clearly results from a covered water loss, mold remediation is typically covered as well. If mold growth occurs from a slow leak however (which are almost never covered by insurance), that is when mold remediation projects are also not covered.

Jake Tegtman

Delta Disaster Services

Delta Disaster Services of Western Colorado

No matter the size of the job we can help you. We are fully equipped to get you back to normal, fast!

Delta Western Colorado 970-964-6141