When Your Insurance Will or Won't Cover Your Broken Pipes
Broken pipes are often the culprit
Anyone who has ever had a flood in their Franklin, NC, home knows how devastating it can be. If you don't discover this problem right away, the damage can be extensive. Broken pipes are often the culprit. Cleaning up after such flooding can be expensive. Fortunately, your homeowner's insurance may cover these costs as well as what it will take to repair or replace the pipes. You should understand your policy and also know when insurance providers will cover broken pipes and when you will be on your own.
Insurance Claim Denials
A broken pipe can be a tricky issue when it comes to filing an insurance claim. In the following situations, you would need supplemental flooding insurance or would not have any coverage at all for the damage and cleanup:
- If you deliberately damage the pipes
- If the pipes break because you failed to perform routine maintenance
- If you knew about a leak or other pipe damage repair or replaced the pipe
Unexpected, Sudden Problems
You could do your part to take care of your home's plumbing but still have issues with the pipes. If there is a flood because of a pipe burst, despite your best efforts, your insurance company should honor any claim you make.
Even newer homes can have flooding from a broken pipe. If the pipes break because of substandard materials or poor installation, your insurance coverage should take care of any cleanup and fix broken pipe.
Insurance companies will cover any type of water damage that comes as a result of mischievous behavior. If someone breaks into your home and destroys the plumbing, including the pipes, you should be able to file a claim.
Cleaning up after a flood can be costly and time-consuming, especially if a broken pipe is the cause. You can have peace of mind knowing that your insurance plan can often help pay for the costs of hiring a professional water cleanup crew.
What You Need To Know About Flooding and Renter's Insurance
Make sure you know what your renter's insurance covers before a flood
Understand Your Renter's Insurance And How It Pertains To Flooding
When you decide to rent space for your business in Cullowhee, NC, take time to fully understand your renter's insurance and how it pertains to flooding. For example, did you know that
The property owner is responsible for any structural damage that occurs during a flood
Tenants are responsible for the contents of the property they are renting
Flood coverage isn't usually covered in property policies; it must be purchased separately
Your insurance won't cover a temporary space unless it's specifically written into the policy
The owner of the property you're renting isn't responsible to make sure you have adequate coverage, and the right policies could be vital to the success and survival of your business.
Owner and Renter Policies
If you own the building and rent space to other tenants, you must have two types of flood insurance. The first covers the structural elements of the property, and the second covers your belongings inside the property. If you don't own the building and are a renter, you need the second renter's insurance option which covers your contents inside the building. These contents may include furnishings, carpets, electronics, paperwork, and inventory.
Causes of Flooding
There are many ways flooding could occur, so it's important to arrange the right insurance coverage before this type of disaster happens. Even if you don't live in a high-risk flood zone, melting snow, burst pipes, or a problem with the sprinkler system could leave you with soggy carpets and damaged equipment. Make sure you ask your agent about the causes of the flooding because some agencies cover frozen pipes and hurricanes, but others don't.
A Quick Response
It's vital that water damage repair professionals start their cleanup and repair work as soon as possible after flooding occurs. Make sure you know what your renter's insurance covers before a flood, so you can minimize the disruption to your business.
3 Things To Know About Fire Preparation in Your Business
Employees should also be trained in the proper use of any fire extinguishers
Fire Preparation Steps
There are a few steps you can take when it comes to fire preparation at your Andrews, NC, business. Following these steps can help you ensure the right safety protocols are in place during an emergency. You may want to consider the following.
1. Have a Plan
One aspect of disaster preparation is to create an emergency plan. This plan should include things such as the locations of any exits, where fire extinguishers are located, a meet-up place for all employees so that roll call can be taken after fire, and emergency medical information. You may also want to include an important phone numbers such as your insurance company, or the number for a local fire damage restoration service
2. Keep Your Employees Informed
It's important to keep her employees informed about any fire preparation plans are tools you may have on the work site. This includes training them and the proper use of these tools. This way everybody will know what to do if a fire should occur, and how to safely exit the building. Employees should also be trained in the proper use of any fire extinguishers.
3. Maintain Any Fire Safety Tools
One step you can take to help avoid fire damage at your place of business is to maintain any fire safety tools. This can include keeping fire extinguishers easily accessible and making sure they are inspected for functionality at least once a year, as well as maintaining working fire alarms, emergency exits, and safety pulls that may exist on exterior doors.
When it comes to fire preparation at your place of business, it's a good idea to have an emergency plan. Make sure that all of your employees are aware of this plan and what details that contains. You may also want to properly maintain any fire safety tools you may keep on hand, such as fire extinguishers, to ensure that they are working during an emergency.
3 Steps to Take After a Toilet Floods Your Office Building
A flooded toilet could cause major problems for your whole building
3 Steps to Take After a Toilet Floods
Office toilets are utilized with much greater frequency than a standard residential toilet. If you're an office manager in Murphy, NC, it is important to have your bathroom facilities checked and maintained regularly because a flooded toilet could cause major problems for your whole building, not just your floor. If you have discovered that damage has occurred on multiple floors, there are some steps that you should take to clean up quickly and completely.
1. Call Your Insurance Company
Insurance policies differ in their coverage of sewer damage, so it's important to know what your policy states. A backup and an overflow are not the same thing, and therefore, may be expressed uniquely in your policy, or one may be covered while the other isn't.
2. Assess the Extent of the Damage
Communicate with any offices on the floors below yours. Have they experienced any problems, including leaks or bad smells? Water can soak into the floors and walls and can damage electrical wiring. Sewer damage can also cause health hazards, so if you see any obvious signs of problems or you're worried that there might be, close off the area until a professional can come to assess the damage and better inform you of any dangers.
3. Hire a Water Damage Repair Company
The more time spent on cleanup and repairs, the longer the loss in productivity will be, and the more difficult it is to take on new clients. Hire a water and sewage company that will not only assess the damage, but will disinfect the areas before repairing them so that you and your coworkers can have a healthy work environment.
Sewer damage can be costly and time consuming. Ensuring that you have an up-to-date insurance policy that covers various types of toilet-related water damage and maintaining your office's facilities can save you a headache in the event of a flooded toilet at your office.
Flood Risk Increases After Wildfires
When there is wildfire damage, it changes the landscape.
A fire in or near your Cashiers, NC, home can have long-lasting effects that go beyond the visible damage. Upon seeing the charred land, the last thing you may be worried about is flooding damage. Unfortunately, extensive fire damage can create an ideal situation for potential flowing waters that may require additional FEMA NFIP coverage.
Why an Increased Risk?
When there is wildfire damage, it changes the landscape. Burned vegetation and ground are unable to easily absorb water. The inability to soak that up creates the potential for post-fire debris flow. The two main scenarios for this to happen include:
Surface Erosion – Without plants and trees properly absorbing rainfall runoff, it erodes the land and allows floodwaters to flow in more locations.
Landslide – While not as common, there is a chance that the soil moisture levels can increase, even after a fire. If the rains are heavy enough, the unstable ground can loosen and turn into shallow or deep landslides.
Minimizing the Risk
Along with obtaining FEMA NFIP insurance to help cover damage caused by flooding, knowing that there is a higher risk after a fire can go a long way. Instead of waiting for a flash flood to happen, take preventive steps to add a little peace of mind. Once the rains start, you may only have a small window to keep flooding at bay. Below are a few tips to ensure a safe evacuation if waters rise:
- Establish an evacuation plan and ensure everyone in the home clearly understands it.
- Keep a stocked emergency kit on hand, including first aid items.
- Have an NOAA weather radio to stay in the know on the weather.
- Evacuate before the rain becomes to heavy.
Mother Nature is unpredictable, so it is important to know your risks and plan ahead. Stay up to date on FEMA NFIP coverage and have confidence that a water damage and restoration specialist is Here to Help get your home back to normal.
Filing an Insurance Claim for Home Water Damage
Once you’ve determined that you’ll make a claim, fill out any forms right away
Why Does Water Damage Occur?
Water damage to a home in Franklin, NC, often happens unexpectedly. It can be extensive enough that you will need to file an insurance claim.
Water damage can occur for many reasons, including:
- Pipe burst
- Burglary or vandalism
- Broken appliance
Here are the steps you should take to file a water damage claim.
Report Any Crime to the Police
If your home has been vandalized or broken into, notify the police right away. When a report is available, obtain a copy along with the names of the officers who assisted you. This information may be helpful when filing your insurance claim.
Call Your Insurance Agent
As soon as you can, call your agent to file a claim. Be sure to ask if flood or water damage is covered. You will also need to find out whether the claim will exceed the deductible amount. Ask how long it will take to process the claim, and if you need to obtain estimates for repairs. If you need to leave temporarily, check on coverage for living expenses.
Fill Out Claim Forms
Once you’ve determined that you’ll make a claim, fill out any forms right away to avoid delays in processing. By law, your insurance company has a certain amount of time to send you the forms.
Get Ready for the Insurance Adjuster
Your insurance company will probably send an adjuster to inspect the water damage. He or she will ask questions about the event and inspect the area in need of repair. Be sure to have handy any relevant paperwork and a list of damaged items.
Make Immediate Repairs
You may need to make some repairs right away or hire a water damage repair company. Keep any replaced parts and receipts in case the adjuster needs to see them.
While it may feel overwhelming to deal with an insurance claim in Franklin, NC, due to flood, pipe burst or other water damage, your insurance company can assist you through every step of the process.
Steps of the Fire Restoration Process
If your business in Franklin, NC, sustains fire damage, the cleanup process may be overwhelming.
Steps of the Fire Restoration Process
When a fire breaks out at your place of business, your to-do list gets long pretty quickly. You have to arrange for an insurance adjuster to survey the fire damage, and you have to arrange to have someone clean up not just the debris the fire left behind but also the smoke smell and the water used to put out the fire. Make the process easier on yourself by choosing one company that specializes in both water and fire mitigation. The specialists at this company in Franklin, NC, can take you from assessment all the way to restoration.
1. Assess the Damage
The first thing the remediation specialists will do is determine the extent of the damage to your property. Only then can they formulate a plan of action for getting the smoke, water and fire damage fixed as quickly as possible.
2. Secure the Building
It is likely that firefighters had to knock out windows, walls or part of the roof for ventilation purposes when they were fighting the fire. Mitigation technicians start by boarding up the compromised points to discourage looters and prevent more problems.
3. Extract the Water
To keep the building from molding, water has to be extracted next. Professionals remove excess water and dry the building out.
4. Remove the Soot
A big part of the fire mitigation process is cleaning up the soot and the smell of smoke that permeates the building. After the soot is gone, salvageable items can be restored, and the rest of the area can be cleaned.
5. Finish the Job
Your building isn’t finished until you can use it again. Final touches like a fresh coat of paint and new flooring make the space workable once more.
If your business in Franklin, NC, sustains fire damage, the cleanup process may be overwhelming. By letting one company handle the fire, smoke, and water cleanup all at once, you can complete the process more quickly.
4 Ways To Control Mold Growth in Your Home
Mold does not grow well in dry areas
Focus On The Following Four Tips
For fungus to grow, homeowners would need to have three major factors collide: spore presence, moisture, and organic matter. The trifecta is a perfect environment for mold to thrive. Much of this is hard to control. Spores are going to be present, as they move about freely via the air. They're going to land on items. The third criteria, though, can be closely monitored. Residents should focus on the following four tips for reducing water damage to minimize exposure levels.
1. Clean Spills Immediately
The enemy really is fluid. Allowed to linger, it saturates and permits the spores to reproduce. At that point, mold growth can get out of control fairly quickly, within one to two days infesting various rooms. Be cognizant, therefore, of thoroughly wiping up floods or spills. Wipe surfaces down, especially after shows and baths. It's important that anything saturated is dried out within the first twenty-four hours. If it goes on longer, contact a water restoration company in Ellijay, NC, to aid in the repairs.
2. Don't Put Off Plumbing Repairs
Minor leaks and drips could become serious conditions. Monthly check faucets and below sinks for water damage, looking for signs of rust, discoloration, or stains. Don't neglect this trouble. The longer is trickled, the more moisture accumulates. Plumbers should fix the source, cutting off the supply.
3. Run Your Air Systems
Humidity levels should remain between 30 to 60% at all times. This could be hard to manage while cooking, doing wash, or taking warm showers. Be sure to run the air conditioner as it establishes cooler temperatures and helps extract wetness. If this isn't enough, use vents, fans, and dehumidifiers to gain additional control.
4. Schedule Regular Home Inspections
Sometimes it's tempting to put off maintenance calls, but these assessments aid in mold prevention. Roofers should look over shingles, replacing breaks, or cracked pieces. Plumbers can perform leak inspections every so often, determining the safety of the equipment. The HVAC device should have bi-annual attention, changing filters, cleaning lines, and ensuring proper function.
You do have the ability to deal with water damage. Act promptly, and take preventative measures seriously.
What You Need To Know About Fire Coverage Under Renters Insurance
Fire damage in Highlands, NC
Fire Coverage Under Renters Insurance
No one expects to have a fire in his or her apartment, but everyone should be prepared in case it happens. One of the most important factors to consider when planning for this type of emergency is financial recovery. Renters insurance can ease the monetary burden if you have a fire in Highlands, NC.
A renters policy provides coverage in several ways:
1. Personal Property
If any of your personal belongings are destroyed due to fire damage, a renters policy covers the cost to replace many of the items, including furniture, clothing and electronics. It is important to note that personal property refers to the contents inside your apartment, not the physical structure.
2. Temporary Lodging
You may be temporarily displaced if a fire leaves your building too damaged to continue living in it. If you are unable to remain at your place, renters insurance will cover temporary lodging, such as a hotel, while your apartment undergoes fire restoration. Your local fire damage mitigation company can speed up the process and help you transition back into your apartment as quickly as possible. Insurance may provide coverage for these costs as well.
If an outside party suffers property damage resulting from your fire, a policy can pay for those expenses. Fires can spread beyond your walls and damage neighboring units, so you need to make sure you are covered for any associated expenses.
4. Medical Expenses
Renters' policies can provide medical payments to others that may be injured because of the fire in your unit. For example, someone may see smoke and attempt to evacuate the building, but in doing so may trip, fall and sprain a wrist on the way down. Insurance coverage often accounts for these expenses.
It is important to safeguard your financial well-being in the event of a fire. Bills and expenses can take a huge toll, and recovery can be difficult if you are unprepared. Having renters insurance is a smart way to ensure you get back on your feet as quickly as possible.
The Mold Removal Timeline and Process
Mold removal services in Hayesville, NC
Four Steps For Mold Removal
If you find mold growth in your facility, you may be concerned about the overall removal process. Most businesses will need to be shut down for the duration of a significant mold removal process. Depending on the level of the infestation, you can expect a business interruption to last between three and seven days, according to most mold remediation services in Hayesville, NC. The reason the process takes a bit is because of the four steps involved.
- Safety and preparation
- Sealing off the room
Safety and Preparation
The first thing a mold removal crew will want to determine is the type of mold they are dealing with. While a common mold in a contained space is easy to manage, black mold covering an extensive area requires precautions and safety measures. The crew will need to wear protective clothing and ensure the safety of the rest of the building.
Sealing Off the Room
If the mold infestation is resigned to only one room in your facility, then the crew will need to seal the space off from the rest of the building. They will use plastic sheeting and secure it to the walls, doors, windows, and vents, hoping to prevent further contamination and spread of mold spores.
With everything sealed, the crew will dampen the wall with a combination of soap and water to restrict the movement of any spores during the transportation of debris. The mold remediation team will focus on the exposed walls, likely opening up areas to inspect for mold spread.
When all mold is removed, the company will begin the restoration of the contaminated space. Your facility will look as it did pre-disaster, ensuring you can return to business as usual.
While you may gasp at the predicted timeline of three to seven days, mold removal is a delicate process. For more specific guidelines about the duration of the removal, contact a local remediation company.