Frequently Asked Questions in East Lansing, MI

Frequently Asked Questions

In general, AFTER any insurance loss, the following actions should be taken:

With over 30 years of experience in the industry, McCardel Restoration is the trusted name in restoration in East Lansing, MI.  Our IICRC certified technicians follow industry standard procedures for quality you can count on.  We offer 24-hour emergency service and can work directly with your insurance provider to make the process as easy as possible for you.

  • Contact insurance agent immediately to understand what you're entitled to
  • Document the source/date/time and save remnants and contents
  • Contact McCardel Restoration to schedule a walkthrough and mitigate the loss to prevent secondary damage
  • Close doors to the affected area
  • Request rush items to be cleaned
  • Open windows (weather permitting)
  • Remove pets
  • Limit movement in the property as it helps soot and mold to spread
  • Change furnace filters and turn off heating/cooling
  • Stay out of the room if the ceiling is sagging
  • If possible, remove water by mopping/blotting
  • Eliminate the source of the water if possible
  • Watch out for detached/split/cracked tree branches inside or out
  • Talk to a physician about a post-exposure medical evaluation

  • Enter the house until it has been inspected and given the "ok" to reenter.
  • Cross contaminate.
  • Use appliances.
  • Use at-home carpet/upholstery cleaners.
  • Throw away any damaged goods until inventory is taken.
  • Take damaged linens/clothes to a dry cleaner.
  • Consume anything exposed to heat/smoke/soot, it may be contaminated.
  • Use personal hygiene items left in the affected area.
  • Use the household vacuum to remove water.
  • Use any electrical appliances while standing in a saturated area or go into a room with standing water while electricity is still on.
  • Do not try and kill mold – dead spores are dangerous, too.
  • Do not wait to take care of any loss.

  • Equipment will be strategically placed and may take up space in possibly a heavily trafficked area of your home or business. We do our best to minimize the effects on your daily life.
  • There is potential for incessant noise during the duration of your project. Loud equipment may be running in your home, as well as hammering drilling, sanding, etc.
  • Dust is a guaranteed byproduct of restoration. Even with proper covering, ZipWalls, and air scrubbing, it is common for a fine layer of dust to migrate throughout your home.
  • If replacing materials is involved, you will need to make selections. We are available to offer suggestions should you need any help with material or design decisions.
  • Once your project has begun, special requests will alter the scope of the project and potentially cause substantial delays and likely include additional expenses.
  • Weather, unforeseen work that needs to be discussed with the insurance provider, logistics, and material backorder can alter the schedule.
  • Due to multiple fans, dehumidifiers, and specialty equipment running on the property, there is potential for an increase in energy usage.
  • Depending on the severity of the project, it is normal to expect a range of emotions. All of these emotions are completely normal, and we are here to guide you through the process and get you back into your newly renovated home or business as quickly as possible.
  • Restoration work in your home can be exhausting, especially since it is never planned.
  • Expect the unexpected! There will be irregular framing, odd plumbing, quirky electrical, code upgrade requirements ordered by the inspector, and more unexpected surprises while we work on getting your property back to pre-loss condition.

  • For your safety, please do not move any tools or equipment without speaking with your project manager first.
  • If at all possible, please plan on leaving the premises during noisy times when equipment and tools are in use; we do our best to keep this to communicate this and keep it to a minimum.
  • We suggest moving, packing in boxes, or otherwise protect items such as electronics, art, plants, pet enclosures, and other hard to clean items as dust will settle even where construction is not taking place.
  • If possible, heat/cool the house without your furnace or air conditioner. By completely blocking the warm-air and cold-air returns in the construction area, you will avoid pulling dust from that section of the house. Be sure to consult an HVAC company before blocking ducts to avoid any damage to your furnace.
  • Making timely decisions on reconstruction materials (paint colors, carpet, tile, cabinets, etc.) will aid greatly in managing the timeline of your project.
  • Once your project is agreed upon, it is important to be committed to the plan or be prepared for delays and updated pricing.
  • It is important that you speak with your insurance company to discuss whether or not your policy allows for coverage or reimbursement for added energy use.
  • Please be patient; we will do our best to keep you apprised of the timeline and progress, there are a lot of moving parts and the timeline may change. We do our best to anticipate everything on your project and to stay within your budget and your time frame, but again we ask for patience during the process.
  • Communication between all parties is key. Speaking directly with the source to relay concerns as clearly and quickly as possible will help us better serve you.

Insurance coverage is very situationally dependent.  Each policy from each different company will have different levels and types of coverage.  The best way to know if your damage is covered is to keep a copy of your policy on hand and call your agent directly with any questions you might have.

As a homeowner, seeing your home damaged is extremely stressful and it’s difficult to know the right course of action.  Will trying to clean up on your own help or just make things worse? No matter what kind of damage you’ve incurred, the very first thing you should do is take photographs as long as the area is safe for you to be in.  If you have water damage, the best thing to do is extract as much standing water as you possibly can while you wait for help.  If you have fans, set them to start drying things as much as possible.  They won’t be enough to completely dry the area, but they can help to minimize the chance of secondary damages.  In the event of mold or fire, it’s best to just leave the damage alone until a professional can address it.  Disturbed mold can disperse spores throughout the home and fire damages can be made worse if improper cleaning techniques are used.

The length of time for proper restoration to occur is dependent on the type and size of the damage.  A typical water damage usually takes 5-7 days for drying and removal of any unsalvageable materials.  Mold remediation can take anywhere from a few hours to several days depending on the extent of the damage.  Fires cause the most extensive damage and can take weeks for restoration to be completed.  Keep in mind, these are all estimates and they’re only for the restoration portion of the job.  The rebuilding portion of the job, where everything is put back into place, has its own separate process and timeline.

Most homeowner’s policies cover most water damages, but not all water damages are created equal.  There can be a lot of exceptions to coverage depending on the intricacies of your policy.  This is why it’s a good idea to be familiar with your policy and call your agent right away when a damage occurs.

  • Plan your escape route. Remember to get out, stay out, and call the fire department!
  • If you have a grease fire, do not throw water on it.
  • Do not overuse extension cords/power-strips, overloaded circuits, overloaded appliances.
  • Empty your dryer lint trap after each use.
  • Ensure appliances are properly installed and wired by a professional.
  • Do not leave candles unattended or burn too close to flammable objects.
  • Be mindful while smoking.
  • Keep lighters and matches out of reach of children.
  • Install smoke alarms on every level of your home, inside bedrooms and outside sleeping areas.
  • Test smoke detectors monthly. If they're not working, change the batteries.

It's never a quick fix, though we've gathered together a multi-discipline team of contractors and technicians to work in tandem to complete the work as soon as possible. From structural repairs to sand/soda-blasting to odor removal to contents cleaning, our fire damage restoration crew begin as soon as the project scope is determined, and we don't stop until the job is done and both you and the insurance company are satisfied with the results.

Most often, yes. You'll need to check your specific policy for the full scope of coverage, but in general, if the damage was caused by a flame, it's covered. Your best bet is to hire a professional restoration to help you through the claims process. We know how to avoid some common missteps when it comes to making sure the entire loss is documented and covered. Many homeowners and insurance companies forget, for instance, to consider that your HVAC system will need to be cleaned of soot, and, since fires are extinguished using water, many areas of your home may need to be restored due to water damage even if they weren't directly affected by the fire.

Depending on the extent or location of the fire damage, some homeowners can move back in a few days or longer. The fire department will usually turn off electricity and gas to the property right away, and that won’t be restored until a building inspector says that it’s safe to turn those utilities back on. If you experienced significant smoke damage and the home’s occupants include elderly persons, young children, or those with chronic health conditions, you may be wise to stay until the smoke cleanup is complete. Contracting with a company experienced in fire damage restoration can often get you back home sooner, because they’ll have the resources to hire and manage the many tradespeople who will need to work together to make the home liveable again.

DIY soot removal is not recommended. Commercially available products can actually cause permanent damage to surfaces. Soot itself is primarily oil-based, but that residue also contains toxic, possibly biohazard contaminants.

Smoke damage is rarely limited to one area of the house, and it leaves behind residue that can hide in crevices and out-of-reach areas, and a simple "airing out" may not be sufficient. We recommend consulting with a smoke damage technician who can help you troubleshoot the next steps.

Water damage insurance claims depend on a few different criteria. Ultimately, that's a question you'll have to clarify with your insurance company. However, we can tell you that the viability of water damage insurance claims depends primarily on what caused the damage (storm, burst pipe, plumbing malfunction, localized flood, sump pump failure, etc.). Some insurance policies will outline scenarios that will NOT be covered without specific riders like flood insurance, or sump pump failure insurance.

Contacting a restoration contractor as well as your insurance adjuster at the same time is a good idea, because the restoration contractor will help make sure that not only will the water extraction and dry out be covered, but the rebuild process that should follow. If the full scope of the claim isn't outlined and agreed upon from the start, there may be issues down the line, and property owners may find themselves having to pay out of pocket to get the property completely back to normal.

That depends on the types of materials that were affected by water. Drywall, carpet, and hardwood floors will take longer to dry than other materials in the space. We use moisture meters throughout the process and in many different locations to gauge the moisture levels and will continue to adjust our fans and dehumidifiers to achieve an efficient but effective dry time. The bare minimum of "three days to dry" may only produce a surface dry, but can still leave behind moisture levels that create an ideal environment for mold to grow.

Most homeowners start trying to remove the water themselves before they realize they'll need to contact their insurance company about a claim so they can call in a water damage restoration company. However, standing water around anything with a power cord or outlet or sagging ceilings make the area unsafe. Also, many insurance claims require documentation of the loss BEFORE any work is done, including removing the water. Always take plenty of photos of the damage you see before taking any action to start cleaning up the mess. Your restoration contractor will be able to back up your insurance claim scope with the necessary technical documentation as well.

If the water damage involves Category 1 water (clean and free of microbes and bacteria), many of your personal belongings can be salvaged. Category 2 water would include other water sources, including rainwater, that, while not containing biohazards or sewage, still pose health risks and the potential for destructive microbial growth and mold. A water damage restoration technician will help you sort through the contents of the property to determine what can be safely dried, what can be restored by a textile/contents technician, and what can't be saved or salvaged. There are off-site facilities in the area that specialize in restoring water-damaged contents. Your restoration team will document all of the contents leaving the property for restoration or disposal for your records and also for reimbursement from your insurance company.

Identifying the source of the water damage is one of the first steps in both the insurance claim process but also before beginning to dry out and repair the damaged areas. After all, if you replace a sagging, wet ceiling that was caused by a roof leak but don't fix the roof, too, the next rainstorm will start the cycle all over again. The buckling to your hardwood floor could be caused by a leaking pipe. We will pinpoint the exact cause of your water damage and make sure the source is repaired. We make sure your restoration job is done right the first time.

Anytime the moisture levels in your home are at 60% or higher, mold can grow. What's frustrating for many property owners is that they don't see a puddle on the floor or water dripping from the ceiling. When mold grows, the source of the moisture is usually hidden under floorboards or behind walls.

It could be. Because mold spores are microscopic and airborne, you'll end up breathing them into your lungs. Depending on the type of mold and how well your immune system functions, you may develop some serious health symptoms that could end up being the result of mold. That's why a mold remediation company takes mold removal so seriously. The space affected by mold is isolated and contained during cleaning so the spores won't spread to other areas of the house, and the remediation team stays suited up in Personal Protective Equipment (PPE) during the process.

For the majority of surfaces in your home, bleach won't actually get rid of your mold problem. It's the "iceberg effect." Visible mold is usually a small percentage of the actual amount of mold growth. Bleach can't kill mold on porous surfaces like wood, and while tile or fiberglass surfaces can be cleaned with bleach, often the mold has spread far deeper. The reason why mold remediation companies don't recommend DIY cleanup isn't because they want to make more money; they know, in their experience, that a mold problem is usually far more invasive than can be seen with the naked eye. Simply cleaning the surfaces can provide false assurances that you got rid of the mold, only to have it come back time and time again.

Sometimes mold remediation is included if the cause of the mold was a "covered peril" like a burst hot water heater or water damage caused by firefighters extinguishing a fire in your house. Gradual water damage - like from a leaking pipe or hose - will often cause mold growth, but your insurance coverage will usually not cover that by claiming that it was caused by poor maintenance or neglect. If your insurance company denies your claim, you should request an inspection from a mold remediation company who can help you document the source of the mold.

If the inspection/assessment process was able to pinpoint the source and cause of the mold growth, once that source is repaired, you can be relatively confident about the success of remediation. Ask if your restoration technician has the IICRC certification for "Applied Microbial Remediation." You can also request a "post remediation mold clearance" from a third-party mold inspector to re-test the area for any remaining traces of mold before the area is treated with a sealer or encapsulant to resist future mold growth.