When Will Your Insurance Cover Mold Damage?
Mold damage in Mead, CO
When Will Your Insurance Cover Mold Damage?
You may have heard horror stories about fungus growth destroying a house. Indeed, mold can be a nightmare for homeowners in Mead, CO. You need to have the mold removed immediately before it destroys your floors and walls.
Since mold can spread easily in a home, you should not try to handle the spores on your own. Instead, hire mold remediation professionals to perform the cleanup. Your insurance policy may even include mold coverage that pays for the restoration.
Your homeowners' policy will pay to repair damage that results from a covered peril. Typical covered perils include:
- Falling objects
- Frozen pipe
- Accidental discharge from appliances, sprinklers or HVAC systems
If any of these disasters cause fungus growth in your home, your insurance should pay for the repair and removal of the mold. However, only mold that results from a sudden and accidental event is covered under your policy. Any mold that develops due to your own negligence over time is typically excluded.
Read over your policy to find out if it includes mold coverage. Your insurer may cap the amount it will spend on a mold claim. However, you can still purchase a separate mold endorsement.
The cost of this mold insurance is typically between $500 and $1,500 each year. Homes that are older or in humid areas may cost more to insure. Houses that have a history of mold problems may also have more expensive premiums.
Still, do not let the cost of black mold cleanup deter you from hiring professionals to perform this service. Ignoring the fungus growth in your home will just make the problem worse.
You may be able to use your homeowners' policy or your mold endorsement to cover some of the restorations. Even if your insurance will not pay for the repairs, having experts perform the remediation as soon as possible will save you money in the long run.
Cleaning Up After a Leaking Water Heater in 3 Steps
A leaking water heater is a tremendous problem
Cleaning Up After a Leaking Water Heater in 3 Steps
A leaking water heater is a tremendous problem. While it is important to call the insurance company and the water damage repair specialists closest to Longmont, CO, it is necessary to reduce as much damage as possible. There is a process that can mitigate the effects of the defective heater, but you will need to complete three important steps to do so successfully.
1. Shut Off the Utilities
You need to shut off gas and water to prevent injuries and further damage. Electric devices can be shut down by pulling the corresponding breaker, while gas devices can be turned off from the thermostat's temperature dial. Find the failed water heater's main supply valve near the tank to turn it off. If that does not work, turn off your home's water main instead until help arrives. Do not forget to empty the tank by using the drain valve and a hose that leads outside.
2. Record the Damage
Your insurance agency is crucial in helping you fix the impact caused by a leaking water heater. Assist the organization by recording the damage before the cleanup. The easiest way to do so is by taking photos of the rips and tears throughout the tank. Also photograph the extent of the water damage throughout the area. These photos are helpful in determining the extent of the loss and the overall coverage.
3. Remove Excess Water
Now that the broken water heater is safe to handle and you have all necessary information, it is time to remove the extra water. If safe, use a wet vacuum to pick up both liquid and any present dirt. Pumps are also helpful in draining water out of a room. After the water is mostly gone, dry the affected location with dehumidifiers and fans. Open windows and doors also improve air circulation.
While you may not have all the equipment or expertise of a remediation crew, you can still reduce some damage. These steps help you safely handle a leaking water heater before the professionals arrive.
3 Tips for Sump Pump Maintenance
Sump pump in a Lyons, CO home
Tips That Can Help You With Pump Maintenance
Is your home in Lyons, CO, prone to heavy rains? If so, then you probably have a sump pump. This important device needs regular maintenance and check-ups to be certain that it is functioning properly. It is crucial that, in the event of a flood or severe downpour, your pump operates normally and efficiently. Otherwise, your home's basement may flood and risk severe water damage. These three tips can help you with pump maintenance and certify the safety of your home.
1. Run the Pump Regularly
It's important to routinely test your pump to be sure it will function when the need arises. At least once a month, pour a bucket of water into the basin. Look closely to make sure that the float rises with the water level. Shortly thereafter, the pump should begin to run. The water should drain quickly. If this is not the case, check for debris blocking any pipes.
2. Use Vinegar
Experts recommend adding two cups of vinegar while the pump is running during the monthly check to help flush out any debris from the pipes. The vinegar will dissolve most organic blockages enough to move them through the outflow pipe. Be sure to check outside in the drainage area to see if there is any new debris after a flush. This should substantially help issues with slow drainage; however, if it doesn't, it may be time to call a specialist.
3. Contact a Professional
If you're having issues with your sump pump or have general questions, it's best to get in touch with water damage restoration experts. Since the internet is full of misinformation, trying to diagnose or fix a problem yourself could damage your pump. Although some basics of maintenance are covered here, only a specialist should diagnose issues with your pump and make recommendations for repair or replacement.
It's best to be prepared for a heavy rain before it happens. With regular checkups and maintenance, you can be certain that your sump pump will function correctly and optimally in the event of a severe storm.
Key Components of a Business Continuity Plan
A continuity plan won't prevent emergencies from happening, but it can give spare you from having to shut down your business or lose money
As a business leader, you should know that it's important to be prepared for all types of emergencies. You hope that a catastrophe such as a flood, fire or extensive mold growth would never occur in your building where you would need the assistance of certified disaster recovery technicians. These types of events could make it unsafe or impossible to continue working in the facility. If the unthinkable happens, and you do face these issues, you need to be ready with a continuity plan. There are essential elements of this plan.
Purchase Business Interruption Insurance
Every company in Mead, CO, needs to have insurance coverage to protect against loss. This includes property insurance as well as supplemental flood insurance and earthquake insurance. Business interruption insurance is another vital plan you should consider. It offers the following:
- Covers the cost to relocate your business if you can't work onsite for a time.
- Covers the cost of lost materials, supplies and equipment when there is flooding, a fire or other disasters.
- Replaces lost revenue due to having to shut down after an emergency.
Have a Plan to Stagger Schedules
Even if something such as storm damage affects only part of your building, it may make it impossible for everyone to be at work together at the same time. To help share equipment and workspaces, while still accomplishing all necessary work, consider having employees come in at different times.
Have a Plan to Offsite
Your continuity plan should also include the ability for people to work from home. This would require setting up employees with the right technology and communication, including remote access to files and information. You could also move your operations temporarily to another office.
A continuity plan won't prevent emergencies from happening, but it can give spare you from having to shut down your business or lose money. Put together your plan today so you can enjoy peace of mind and the feeling that you've done your part to prepare.
Do Commercial Fire Extinguishers Require Maintenance?
Be sure to have a fire extinguisher in your building
Do Commercial Fire Extinguishers Require Maintenance?
A commercial building requires fire extinguishers to comply with fire safety codes in Berthoud, CO. Property owners and managers should arrange for regular inspections of all fire safety systems on the premises. Disposable and refillable fire extinguisher models call for different maintenance measures.
Check the Pressure
Fire extinguishers must be charged so that the dry chemicals contained inside are propelled at least 10 to 20 feet out of the nozzle. The class of chemicals that an extinguisher contains will determine the appropriate pressure level. The following guidelines apply to dry chemical extinguishers:
- An ideal pressure level is around 195 psi
- Charge extinguishers under 185 psi
- Avoid exceeding a charge of 205 psi
A charged extinguisher can limit fire damage to a commercial structure. Choose from extinguishers with contents that suppress Class A combustibles, Class B flammable liquids, Class C electrical fires, Class D combustible metal or Class K restaurant fires.
Replace Disposable Extinguishers
Extinguishers designed for one-time use can be used at any point. Be sure to check the pressure gauge and date and replace a disposable fire extinguisher with a low pressure level or any extinguisher more than 12 years old.
Recharge Reusable Extinguishers
Commercial property owners may want to invest more up front in extinguishers that can be reused. This can be particularly helpful for food service establishments that run a high kitchen fire risk. Have extinguishers recharged by professionals and monitor pressure levels to be prepared to suppress a fire.
Disposable and reusable extinguishers are both designed for use with the PASS Method. Pull the pin and twist to break the safety tie. Aim the hose at the base of a fire. Squeeze the handle of the fire extinguisher. Sweep the spray from side to side. When a fire breaks out a building in Berthoud, CO, charged fire extinguishers of the right classes can suppress the flames.
How Do Experts Restore Water Damage On Two Floors?
Water damage in a Niwot, CO office
How Do Experts Restore Water Damage On Two Floors?
When water damage spreads from one floor of a commercial building down to another floor, the degree of damage intensifies. Clean or contaminated water will become more contaminated as it permeates building materials. If moderate to major water or sewer damage has occurred in a building in Niwot, CO, restoration professionals will take these four measures.
1. Extract Standing Water
Eliminating water from a structure as quickly as possible is the best way to limit the extent and severity of damage. When damage has affected two floors of a building, specialists use commercial-grade equipment to eliminate pooling and stem the flow.
2. Tear Out Damaged Materials
Restoration experts at a sewage company can also recommend whether building materials exposed to water damage should be torn out. These specialists generally recommend drying items dampened by or saturated with clean water, while materials exposed to contaminated water during sewer damage should be disposed of and replaced.
3. Clean and Disinfect Both Floors
In the event of a flooded toilet or another incident that releases contaminated Category Two gray water or Category Three black water, every level of a structure exposed to contaminated water should be cleaned and disinfected. Drywall, cellulose insulation and other porous building materials can be a challenge to sanitize, making replacement a faster and safer choice.
4. Replace Ruined Building Materials
Any building materials torn out during damage cleanup can only be replaced after the affected area is totally dry. Residual moisture may raise risks of recontamination, mold or other forms of secondary damage.
When clean or contaminated water works its way down between the floors of a structure, the degree of water or sewer damage intensifies significantly. Building owners or managers should rely on cleanup and restoration experts to handle any category of water damage that affects more than one floor of a commercial building in Niwot, CO.
3 Reasons Not to Wait For Your Insurance Adjuster Before Addressing Flood Damage
Floor damaged after flood in Erie, CO
The Following Are A Few Reasons Why This Is Not The Case
If your home has been damaged by flood water after a storm in Erie, CO, one of the first things you should do is file a flood insurance claim. Once you have started the process, you may think that you should wait for the adjuster to show up before you do anything else.
1. There Could Be a Long Wait
In the case of a storm, it is unlikely that your house is the only one that has been affected by flood damage. There are probably many others filing insurance claims at this time. Because of this, you might end up waiting for a while before someone is available to inspect your home.
2. You Will Waste Time
There are many things that you could be doing instead of just waiting for the adjuster. You could take pictures of damaged areas of your home or make a list of items that need to be repaired or replaced. You could also take this time to go over your flood insurance policy so you know what to expect during the process.
3. Damage Could Worsen
When left to sit, water can cause additional problems such as mold damage, weakened building structure and deterioration. If this happens, more repairs will be needed which will take additional time and money. This can also result in your insurance claim being denied if it is determined that you did not take the necessary steps to prevent further damage.
After you have filed your flood insurance claim, you should do what you can to prepare for the inspection and to prevent your home from becoming more damaged. Contacting a cleanup and restoration company is a good option. These professionals can perform mitigation to keep damage from spreading and can also help document current damage for your adjuster. This will help move the process along more smoothly.
3 Types of Water Contamination
Category 1 Water Damage comes from a clean water source, a fresh water line for a refrigerator
Which Category of Floodwater Is Affecting Your Home?
Not all types of floods are necessarily the same. The type of contaminated water present in the flood affects which kind of remediation technique needs to be performed to resolve the issue. There are 3 main types of floodwater, each categorized by the type of contamination present in the flood. Read on to determine which category of floodwater is affecting your home in Longmont, CO.
1. Clean Water Floods
Category 1 floods are the least dangerous types of floods, as they're categorized by a lack of contamination. However, this doesn't mean that you still shouldn't take them seriously. If left untreated, clean water floods can result in mold and mildew growth. These floods are typically caused by a supply line burst, excess snowmelt or rainwater on the roof, or a bathtub overflow. In theory, this water is safe for human consumption, but you should still never attempt to drink it.
2. Gray Water Floods
Category 2 floods are one step up from their clean water cousins. They do contain some degree of contamination, simply because of the flood's source. They typically are a result of an overflowing household appliance, such as a washing machine or dishwasher. Broken aquariums and sump-pump failures can also cause a gray waterflood. If left untreated for more than 48 hours, a gray waterflood can easily become a category 3 flood.
3. Black Water Floods
Category 3 floods are the most dangerous types of floods. They are categorized by contaminants such as human/animal fecal matter, raw sewage, dangerous chemicals, and other kinds of biohazards. Blackwater floods are typically caused by toilet overflow, sewage main bursts, or an overflow of contaminated water from rivers. Because of the biohazards present, you should never attempt to remediate a black water flood yourself.
Contaminated water can cause devastating damage to your residential property. It's important that you contact flood remediation experts for help resolving any type of household flood you might face.
3 Reasons To Call a Mold Hygienist to Your Home
Calling in a mold hygienist to find hidden fungi may offer you several benefits
Call In a Mold Hygienist To Know What Type Of Mold You Are Dealing With
When a water emergency happens at your Hygiene, CO, home, the aftermath may include mold growth due to standing water and humidity. While it might be obvious that your home needs mold cleaning after this kind of event, its presence may not be obvious to the naked eye. Calling in a mold hygienist to find hidden fungi may offer you several benefits as a homeowner when compared to do-it-yourself detection kits.
1. Professionals Have Commercial-Grade Equipment
Certified mold inspectors use state-of-the-art digital equipment to detect hidden mold that grows behind walls, under carpeting, and in other areas where it might hide. Fungus does not require light to grow, so under these conditions, it might spread unchecked for years and release spores into the air that can travel to other parts of your home via the air and ventilation ducts. Once mold damage becomes widespread, it can be difficult to repair. Commercial detection can prevent this from happening.
2. There Are Different Mold Types
Leaks, past floods, and humidity can all create ideal conditions for mold growth, and there are over a dozen different types that might grow in your home. Some may grow in damp areas, such as your basement, over time, while others can appear quickly after a moderate flood, such as black mold. Having a mold hygienist inspect your home can give you a better understanding of what type of mold cleaning services you need and how to proceed.
3. DIY Air Sampling May Not Be Effective
While residential mold testing kits are available in some stores, they may not help you with effective mold remediation. These kits may not detect mold hiding deep behind walls, where it may continue to grow unchecked. A mold damage and cleanup company can detect fungus with sensitive equipment, even if it is growing in the corners of cabinets or under carpets.
Mold can hide in many areas of your Hygiene,CO, home, and grow undetected. Calling in a hygienist can help you understand what kind of mold cleaning you require so you can rid your home of it for good.
3 Common Water Issues to Lookout For in Your Commercial Building
Cracked walls and uneven flooring may indicate a shifting foundation
Look For Signs of Water Issues
As you manage a commercial building in Berthoud, CO, you are likely to focus on day-to-day maintenance tasks like cleaning, stocking supplies, and maintaining common areas. When going about your routine management duties, look for signs of water issues lurking just below the surface. From leaking pipes to shifting floor tiles, minor indicators can serve as clues for early prevention. Catching these warning signs early-on may help you avoid the need for serious repairs or major flooding incidents down the road. Watch for these three common water issues in your commercial facility:
1. Bulging Walls and Ceiling Tiles
Don't discount stained ceiling tiles or bubbled walls as non-issues in your commercial building. As you get below the surface, these small problems may be evidence of a pipe break or leak. Leaking pipes can lead to flooding, mold and mildew in your facility if not addressed immediately.
2. Aged or Deteriorated Piping
In older facilities, piping material should be inspected for resilience and durability. While some piping, like PVC, is meant to last a lifetime, other materials age with time and can deteriorate. In buildings over 25 years old, inspect for piping materials including the following:
3. Foundation Cracks or Movement
Cracked walls and uneven flooring may indicate a shifting foundation. Likewise, these could be signs of underground plant intrusion or moving ground. Foundation movement and root overgrowth may lead to the damage of buried pipe and sewage lines. Watch for cracks paired with toilet backup or other clogged plumbing issues as signs of damage.
When you spot leaking pipes or any other water concerns within your facility, address them immediately. If water damage takes place, call a professional to aid you in the cleanup. A commercial water restoration crew in your area has the equipment and experience needed to remove water and restore your facility to regular operation.