3 Facts About Mold Coverage for Homeowners
Mold damage in Fork Township, PA.
3 Facts About Mold Coverage for Homeowners
Numerous mold lawsuits during the 1980s and 1990s led a number of homeowners insurance companies to exclude fungus growth from policies. If you are concerned about the presence of mold at a home in Forks Township, PA, you should be aware of the possibility that coverage for this form of secondary damage resulting from water damage may be limited or unavailable. Here are three facts that can help you decide whether to obtain residential mold insurance.
1. Mold Coverage Is Often Capped or Cut Out of Policies
Many insurance companies exclude mold damage from homeowners' policies. Policies that do cover this type of secondary damage may have a maximum limit of $10,000 or less. Homeowners should check to see whether coverage is available.
2. Mold Caused By Covered Water Damage May Be Included
Even if a policy has limited or no coverage for mold, fungus growth resulting from water damage that was a covered peril may also be covered. In most cases, it is necessary to demonstrate that a homeowner took every measure possible to quickly and thoroughly restore primary water damage.
3. Documenting Mitigation and Remediation Can Be Helpful
Whether you have a homeowners policy with a mold cap or additional mold insurance, it is always important to keep complete documentation of the mitigation and remediation of water damage and any measures taken to remediate mold damage. This information may make it possible to get coverage for mold claims that might otherwise be rejected.
If you do not have mold coverage, it may be possible to get a fungus growth endorsement or rider on a homeowners policy or take out a separate mold policy. It can be worthwhile to get a mold policy for a home with an elevated risk of developing fungus in Forks Township, PA. Successful water damage cleanup and restoration go a long way toward preventing mold growth.
4 Things To Do When Your Basement Floods
Flooded basement in Palmer Township, PA.
How Should You Deal With Standing Water In Your Basement?
The last thing you want to find in your Palmer Township, PA, home is a flooded basement. However, after a big storm, pipe burst or sewage backup, you may have to deal with this catastrophe.
1. Call in the Professionals: As a homeowner, you may try to take care of some projects on your own. Dealing with standing water in any part of your home requires expertise. A professional residential flood remediation team can help you figure out the best repair plan that falls under your insurance coverage.
2. Remove Standing Water: The professionals will work hard to remove standing water from your home. A basement flood should be drained before anyone enters the lower levels of your home. Make sure the electricity to the basement is turned off before anyone goes into the water for added safety. In fact, it's best if the water is removed with a shop vac and other equipment that does not require someone to stand in the waters.
3. Salvage Content: Some of your belongings may be salvageable. Any nonporous materials can be cleaned and dried out. Other items, such as electronics and appliances, may need to be thrown away rather than saved. Let the experts help you clean your belongings so you can make sure everything is done right.
4. Prevent More Flooding: You do not want to have to deal with a basement flood regularly. To save yourself some hassle in the future, you should think about installing a sump pump. This equipment can help keep water from building up.
A basement flood can surprise you. You go to bed one night and wake up the next morning to find standing water in the lower levels of your house. Acting quickly can help you avoid mold growth and other secondary damage caused by standing water.
4 Cooking Tips To Prevent Fire Hazards
Fire in a kitchen.
Prevent Fire Hazards
Kitchen fires can quickly grow out of control. For the restoration efforts afterward, you need to follow the guidelines of the Institute of Inspection Cleaning and Restoration Certification and hire a team in City, State, that has proof of insurance and experience with a vast array of restoration projects. However, prevention is always preferable over reaction. Follow these tips to greatly reduce the likelihood of your kitchen experiencing fire damage.
1. Do Not Leave Cooking Food Unattended
Whether you are broiling, grilling or frying, you always want to remain in the kitchen when you cook something. You do not want to leave for even one minute, because something could go wrong in an instant. If you need to leave the room for something important, then turn off the stove.
2. Keep Flammable Objects Away From Stove
There are a number of items that can easily catch fire in a kitchen. They include:
- Plastic bags
- Wood utensils
- Oven mitts
Keeping everything away from the stove is one of the most critical tips to follow at all times. Heat travels, and an object could go up in flames even if it is not directly on top of the stove.
3. Clean Regularly
You should clean your stove and oven regularly to prevent a grease fire. Grease builds up over time. Even if you keep paper and towels away from the stove, the grease could still catch fire.
4. Install a Fire Alarm in the Kitchen
You should have multiple fire alarms installed around your home. One of them should be located in or near the kitchen. That way, if something happens, everyone in the house can be alerted immediately.
Fire damage can be easily circumvented as long as you and your family members are willing to follow a few simple tips. With this advice, you will be able to use your kitchen with peace of mind.
What Is Category 3 Water Damage?
Commercial water damage in Mt Bethel, PA.
If your commercial property in Mt Bethel, PA, has been affected by a flood or other water issue, chances are you are dealing with some level of water damage to your building. Depending on the type of water issue you have had, you may be dealing with category 1, 2 or 3 water damage. If you have category 3, the most severe type, there are a few things to know to help you clear it out quickly and safely.
What Is Category 3 Water?
Category 3, or black water, is the most contaminated level of water damage. lt is highly contaminated with bacter and microorganisms and can come from many places, such as:
- A sewage problem, such as a backed up toilet, sink or shower drains
- Burst pipes
- Standing water from a natural disaster, such as a flood
What To Do If You Find Black Water
If you have a sewage problem or water damage from a flood, you should call in a professional water restoration company to help you deal with the aftermath, as there is a chance you have black water. Although it is safe to try to remove water if it is clean water, black water should only be cleaned by professionals who are wearing the proper personal protective equipment. Keep yourself and any building residents away from the source of the water damage until help arrives.
How To Restore Your Building
A restoration company will help you begin the restoration process for your commercial building. Any items inside your building that have been affected by the water damage or may have absorbed the water may have to be replaced. Ensure that everything has been sanitized and cleaned before building residents return.
If your commercial building has been affected by water damage, it's important to identify the category of water damage your building has been impacted by. Calling in a restoration company. quickly can help you get back to normal as soon as possible.
Prepare Your Business and Employees for Potential Fires
Commercial location suffered from fire damage
As a business owner in Bangor, PA, you know the unexpected can happen. Although you may not know what kind of emergency may affect your operations, planning ahead by establishing a contingency plan can help calm a chaotic situation and ensure the safety of everyone in the building. It also makes it easier to keep the business afloat while repairs are being made by a certified fire damage and restoration company.
Planning ahead to protect employees, processes, and vital business components is important for any business. They should be developed with key personnel to ensure all the bases are covered. Although every business is different, key ingredients of a contingency plan should include:
Assess Risks: Identify vulnerabilities unique to your business and the risks associated with the location. Knowing these are essential to formulating the rest of the plan to ensure limited business interruptions.
Understand the Hazards: After the assessment, you can better categorize the likelier hazards that you may be faced with this. Grouping them into categories, such as natural incidents or civil disruptions, allows you to create a general plan for each kind.
Identify Critical Process: The processes essential to operations should be ranked. This allows for the most important operations to resume first after the incident.
Establish a Crisis Management Team: Ensuring you have a team in place ready to handle anything is vital to managing a crisis. All responsibilities should be clearly spelled out and discussed with all involved.
One of the most important components of any planning needs to be an evacuation plan. This should account for any potential people on-site, including visitors, emergency responders, and employees. The plans should also involve:
- Establishing an emergency team to direct the evacuation.
- Ensuring there are primary and secondary exit routes. Discuss the routes and have them clearly posted.
- Communicating the plan with employees and conducting regular drills.
Although there are always unknowns, having a contingency plan enables a business to navigate them safer and easier.
3 Reasons To Buy Flood Insurance
Office storm damage in Pen Argyl, PA.
Why Purchase Flood Insurance?
Even though it is not required, a flood policy is a good idea for business owners in Pen Argyl, PA. You can get good policies through both the government and private companies. If you're on the fence about this type of coverage, here are some reasons you should purchase it.
1. It Is Affordable
Floods can do serious damage to any business. When you tally up the damage done and the cost of hiring a storm restoration company to fix it, floods are very costly. Unfortunately, this is not covered by standard commercial insurance. Considering the amount you would have to pay to fix flood damage, the cost of having a special policy doesn't seem too expensive. Plus, most businesses can get a policy for less than they expect. This is especially true when you can add flood coverage to your standard property insurance.
2. Every Property Is at Risk
The property maps created by the Federal Emergency Management Agency are an estimate of where flooding will occur based on past conditions. However, even low-risk zones still have a decent chance of flooding. Instead of marking you as safe from a flood, placing your business in a low-risk zone lets you add flood coverage to your commercial insurance for less.
3. Flood Damage Is Catastrophic
Flooding is a common side effect of many natural disasters and storms. In fact, it results in billions of dollars of damage each year. Your business alone could end up with thousands of dollars in repairs that are not covered under a standard commercial insurance policy.
Flooding is a common issue that can do serious damage. The results of this disaster are costly to repair. Even though the FEMA maps mark some areas as low-risk, this does not mean businesses in these regions are clear of flooding. Therefore, flood insurance is a good idea for any business owner.
After a Home Fire Remediate Fire and Water Damage
Fire damage in Wind Gap, PA.
Fire and Water Damage
Once the fire department stops the blaze, homeowners in Wind Gap, PA, are left with the daunting task of repairing the fire damage. First thoughts likely revolve around fixing the charred walls and smoky odor; much of the property's trouble, though, could actually stem from water damage. In fact, a fire restoration company must attend to the moisture issues first before eliminating the ash. Here are three things to understand about tending to the premise's destruction.
1. Why Is Water Troublesome?
To eliminate the flames, the fire crew used hoses and tons of water. At the time, it was absolutely necessary in order to minimize the home's harm. Water damage, however, can cause issues such as rot, mildew and mold. The fluid soaks into porous materials, and it doesn't dry up easily. This humidity can trigger fungal spore growth. To avoid this complication, experts assess the structure and begin to dry it out immediately. They run dehumidifiers around the clock, use moisture readers to ensure appropriate levels are reached and extract drenched materials that cannot be salvaged.
2. What Do Teams Do About the Ash?
With mold spread under control, the specialists tend to the fire damage. Using highly specialized equipment, ash and soot are removed from surfaces, including ceilings, walls and floors. The entire vicinity is washed and then sanitized. Content cleaning crews assess and salvage personal belongings and electronics as well. It may seem lost, but it's possible, with the right techniques, it's okay to keep.
3. How Is Odor Eliminated?
The fire hose took out the conflagration, but it didn't remove the unpleasant aroma. Opening windows may provide some relief, but it's hard to handle this stench on your own. Remediation employees investigate the source of the smell and use sophisticated technology to eradicate it from the residence.
Fire damage alone is a lot to handle, but it's essential for homeowners to realize that water damage is pivotal too. To get the home back in order, residents should care for both issues.
The Value of Regular Water Heater Maintenance
Your water heater should be maintained regularly.
Nowadays, a modern home is filled with miraculous devices that many people take for granted. At the press of a button, the flick of a switch or the turning of a handle, people have access to running water, controlled cooking flames and light. The water heater is one such amazing device. It essentially brings hot water to your fingertips whenever you want it. Your unit requires little in the way of maintenance and it will last a good ten years in most cases. With a little maintenance and extra care, though, you might be able to extend the lifespan of your unit and maybe even avoid a damaging water spill.
Indications Your Water Heater Is Misbehaving
As with any other appliance or mechanical device, your hot water tank will show signs of trouble if something is amiss. This often comes in the form of unusual sounds. If you hear any of the following, it could be a good indication your device is in a bit of trouble:
- Cracking, popping and rumbling
- Knocking or hammering
- Screaming and screeching
Upon hearing any of these sounds, it is time to take action. Either call a licensed plumber or attempt to troubleshoot the situation yourself. In many cases, the problem is minor and the adjustment of a valve or the replacement of a piece of hardware is the solution. At times, a water heater flush is needed to remove sediments that have collected on the bottom of the tank.
Implications of Neglect
If you are not careful and vigilant, your water heater can fail all at once, emptying forty or fifty gallons of water into your home in Easton, PA. This can cause damage to flooring and other elements of the house. To mitigate the situation, the services of a water damage franchise are often needed to clean up the area and minimize damages. Any appliances that use water should be maintained regularly to avoid a water spill in your home.
When Emergencies Strike, Responsiveness Matters
Commercial water damage in Coffeetown, PA.
When Emergencies Strike, Responsiveness Matters
Natural disasters and emergencies can happen in Coffeetown, PA, without warning, leaving your business vulnerable to extensive property damage that requires professional cleanup and costly repairs. It can be difficult to know what to do and who to call first in the midst of a stressful situation, so it's helpful to have a plan in place before the worst happens. It's also an excellent idea to identify your go-tos for remediation and claim services so you'll have the right numbers on hand when you need them. Time is of the essence, and the faster the response, the greater your chances are of minimizing damage and loss.
Faster To Arrive on the Scene
When you're in a crisis, the last thing you want is to wait a long time for help to arrive. An emergency response team like SERVPRO will be onsite within 24 hours, prepared with the manpower and tools needed to promptly begin the remediation process. They will get to work right away assessing, cleaning, and fixing the damage. Less time to arrival means less damage and less money to shell out.
Faster To Itemize Damage
An emergency response team understands the insurance claims process well and knows that repairing is almost always less expensive than replacing. They are also experienced at itemizing damage and collecting the information that will help you get to work on your claim before the claim services adjustor arrives. This speeds the process along so the insurance company can focus on its priorities and you can receive your reimbursement check as quickly as possible.
Faster To Get You Up and Running
The primary goal of your insurance company and remediation service is to get you back in business quickly for as little money as possible, which is your goal as well. Having a response team that works together with your insurance company makes the whole process go faster and more smoothly for everyone.
As a Coffeetown, PA, business owner, you need a full-service emergency response team that is preferred by insurance companies nationwide to work with their claim services. Together, they'll help you restore your property and your peace of mind.
What To Do If a Pipe Bursts in Your Commercial Building
Water damage in Stockertown, PA.
If You Encounter Bursting Pipes Here Are Some Steps You Should Take
Older commercial properties are particularly broken to frozen pipes. However, this phenomenon can occur in newer buildings as well. Water flowing through any cold, uninsulated pipes may freeze into ice. As the ice expands, it can put pressure on the pipes until they break. This could lead to massive water damage in Stockertown, PA.
1. Shut Off the Water and Electricity
The water will continue to escape from the burst pipe until you shut off the main valve. Make sure that everyone in the building knows where this valve is. You should also turn off the electricity in the damaged part of the property. This will prevent electrocutions during the drying process.
2. Call a Professional
A broken pipe can leave you with a huge puddle of water in your building. The water may also soak your walls, carpets, or ceilings. Over time, this could lead to the growth of mold that causes even further damage. You thus need to contact emergency cleanup professionals as soon as you discover the bursting pipes. Look for a company that provides 24-hour service. Even a few-hour delay could have severe consequences.
3. Take Preventative Measures
Once the cleanup is complete, talk to the experts about limiting additional pipe breaks. They can tell you how to spot and thaw frozen pipes before they burst. You can use warm washcloths or hair dryers to heat up the pipes. You may also want to keep a trickle of water flowing through the pipes at all times. This will stop the water from freezing.
Frozen pipes can flood your Stockertown, PA, property during the winter. If this happens to you, turn off the water immediately and contact experts who know how to fix a broken pipe. The professionals can also help you prevent bursting pipes in the future.