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Raley, Watts & O’Neill Insurance

Since 1950, Raley, Watts & O’Neill has been serving the insurance needs of our clients. We started as a one person operation in Lexington Park, MD and are proud of our small town heritage. We have worked hard to maintain the fundamental principles of our roots while we have grown into a company that serves clients throughout the Mid-Atlantic, the United States and Internationally. We pride ourselves on getting it right and taking care of the needs of our clients. We simplify the insurance process and take the time to make sure each of our clients understand their options, what they are buying and where their money goes. Our committed staff has the expertise and extensive experience in a broad range of insurance products and services like Commercial, Personal, Bonding, Safety/Risk Management, Group Health, Life and Financial Services. We would welcome the opportunity to demonstrate to you how working with Raley, Watts & O’Neill is about more than just insurance; it is about a long term relationship. We always strive to never veer from our values – C.A.R.E

What to do following any CLEAN water damage

Gordon O’Neill Gordon O’Neill , 4/8/2015
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It is amazing how much damage a water leak, even a small one, can do to a home in just a short period of time. Water can ruin carpets, drywall, flooring, and cabinetry. If you have a clean water leak in your home, here is what you need to do to salvage what is left. 1. Turn off the water to the house. If you're not sure where the water is coming from, turn off the water to the whole house. If there's a major water leak with inches of water everywhere, turn off the electricity at the breaker to avoid short circuits and electrocution. 2. Call your insurance company. Many policies cover repair and rehabilitation of water-damaged homes. Contact your insurance agent to find out how your policy handles water damage. Your policy may even pay for a hotel room for your family until the damage is repaired. Do this as soon as you find the water leak, right after you've shut off the utilities. 3. Start drying things out. Use a wet-dry vacuum to start sucking water out of the carpets and off the floors. Try to get the water up as quickly as possible. It does not take long for flooring to buckle and for mold to begin growing in carpets and under wallpaper. Run as many fans as you can find to assist in drying out the house. 4. Move, mop, and blot Move as many of your personal items out of the flooded area as you can. This will help the air to circulate. If you can't find a good storage spot for these things, elevate them on bricks to allow air to circulate around them. Mop up water and blot up as much of it as you can with towels and shop rags. 5. Contact Carpet Specialists Some carpets may shrink after being wet, so don't remove the carpet tacks on your wall-to-wall carpets. You may be better off to call a carpet cleaner who can help you decide what to do with your damaged carpets. 6. Keep Records of Your Damaged Things Save all your receipts for everything you spend on this issue. Don't throw damaged items away until you have met with your insurance agent. This is to allow you to recover the full cost of your claims. Do you still have questions about insurance and water damage? If so, contact Raley, Watts and O'Neill Insurance today!