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.
3 Reasons To Hire a Certified Water Damage Expert
Water damage cleanup services in Tuckasegee, NC
Here Are Three Reasons To Hire A Commercial Drying Specialist
Water damage is especially harmful to commercial buildings due to the large amount of space affected. Any time you have a storm, flood, or fire, there is the potential risk for water damage. Fortunately, there are people who have been educated, trained, and certified to handle water clean up.
One certification provided through the Institute of Inspection Cleaning and Restoration Certification is called Commercial Drying Specialist. An individual who earns this certification has gone through extensive training to properly and effectively handle your water situation in a timely manner.
1. Superior Training
In addition to a natural disaster, other causes of water damage include a broken pipe, a leaking water heater, an overflowing toilet, and sewage backup. No matter what led to the water damage in your commercial property, a certified drying specialist has the training necessary to handle water clean up by inspecting, extracting, drying, and restoring your building.
2. Efficient Strategies
The ideal place for mold to grow is anywhere there is a water source. A hurricane, leaking appliance or broken pipe can create an environment where mold begins to grow in as little as 48-72 hours. With no time to spare, it’s important to contact a restoration company that has certified technicians who can handle your emergency situation efficiently and as quickly as possible.
3. Reduced Damage Costs
Another reason to hire a certified restoration company is to reduce damage costs. Water spreads rapidly, so it’s imperative that you work with technicians who can stop the flow and minimize damage. A restoration company that is available 24 hours a day and seven days a week can mitigate water issues before they get too expensive.
Water clean up in your Tuckasegee, NC, commercial building will be easier and less expensive when you act fast to bring in a restoration company. Certified restoration specialists have the training and tools necessary to restore your building from all kinds of damage.
Flood Water Cleanup Means Dealing with Black Water
Water damage categories
Unlike a pipe burst or leaky faucet in your Sylva, NC, business, storm damage often means that the flood water has contaminants that may be unsafe to deal with. Before diving in to start mopping up and drying out the mess, know the different categories of water to ensure a safe, proper cleanup.
Types of Water
There are three standard categories of water loss.
Clean Water – This type poses no immediate health risks and comes from a sanitary source, such as a malfunction appliance, toilet tank, or rainwater.
Gray Water – This is dirty water that is free of human waste but may contain some chemicals or low-risk pathogens. Sources include bathtubs, dishwashers, sinks, and washing machines.
Black Water – This type poses the biggest risk because it contains sewage and potentially toxic chemicals, ground debris, and organisms. Along with toilets and sewer backups, flood water is classified in this category.
Whether it is a little water or a lot, the third category may pose increased health risks. Even during the cleanup, it requires additional safety measures to properly address the situation. Water easily wicks up into walls, flooring, and other porous materials. As it does so, it is contaminating those materials with whatever the high waters or sewage picked up along the way. Containing the damage is also a vital component of that.
A water damage and restoration professional has the tools, know-how, and credentials to tackle any kind of water loss. From finding hidden water to deterring mold growth, counting on an expert that is Faster to Any Size Disaster can help ensure the safety of the building and get you back up and running more quickly.
Any kind of water issue in your business should immediately be addressed. If faced with floodwater, call a professional to access the situation to avoid having to personally deal with potentially harmful contaminants.
Why Do I Need Commercial Flood Insurance?
With the average business generating so many bills and expenses, adding another in the form of flood insurance can seem like a hard sell. But once a flood leaves two feet of water in your Ellijay, NC, office, the value of commercial flood coverage becomes spectacularly clear. Read on to learn some ways this coverage for flooding can save the day.
Protection from Uncovered Expenses
A common assumption is that commercial property insurance covers flood damage, but the truth couldn’t be more different. Property insurance coverage is limited to some natural events like wind or lightning damage, but a business needs special commercial insurance to pay for destruction caused by flooding and excess water. A business enterprise would need both building property and personal property flood insurance to cover the repair or replacement of items such as:
- Building foundation
- Water heater
- Furnace and central air
- Permanent cabinets
Unfortunately, many businesses don't recognize the limitations of commercial insurance until it's too late. Purchasing specific flood coverage for the building and personal property covers those water-related events that are not included in a standard Business Owners Policy.
Safety Net for Business Mishaps
Many think a business beyond a flood-prone area isn’t at risk. But floods often occur when the ground is unable to absorb water from rapid rainfall. In other words, one instance of fast-melting snow, even in an urban environment, could leave your business vulnerable. Without coverage, the resulting damage could be financially devastating.
Better Safe Than Sorry
When it comes to flooding, even seemingly low-risk buildings can be impacted, and the results for these under-prepared businesses can be catastrophic. In fact, the Federal Emergency Management Agency estimates up to 40% of uninsured small businesses damaged by floods never reopen due to excessive repair costs.
Anybody who’s faced commercial flood cleanup will tell you that it can get expensive fast. A commercial flood insurance policy can seem like a needless perk until a flood and its costs are in your face. Whether caused by Mother Nature or simply poor drainage, floods are a risk that every business should prepare for.
5 Steps To Take When Your Tenant Finds Mold in Their Apartment
Mold begins as a minuscule spore, so it is difficult to believe something so small can wreak so much destruction and havoc in a large apartment building. But mold is a clever opponent that loves to hide until the problem is so big it appears to be out of control. That is why it is important to take the following steps in mold cleanup as soon as your tenant notifies you that he or she found mold contamination in the apartment.
5 Steps For Mold Cleanup
- Telephone your insurance company. Find out what your insurance policy covers regarding mold issues. Sometimes the fungus is a minor problem, but other times it can require extensive cleanup efforts and a big expenditure of money. Also, request an adjuster’s visit.
- Take photos of the mold and surrounding area. Establish a record of the situation in pictures. The photographs can also help you if you need to file an insurance claim.
- Contact a mold cleanup and restoration team. Ask the team to locate and address the water problem feeding the mold growth. This process can include removing wet walls, floors, and cabinets; therefore, cleanup can take several days.
- Request the restoration team’s assistance in removing the mold and restoring the area. After removing the mold spores and colonies, the restoration team can sanitize the area to prevent the mold from returning.
- Move the tenant to a hotel if cleanup and restoration turn out to be extensive. When your tenant’s belongings must be displaced during the repair process, offer to relocate him or her to a hotel for the duration of the restoration.
If mold is a reoccurring problem in your Franklin, NC, apartment building, there is probably a hidden water leak. The sooner you can remove the water, the less possibility there is that mold can cause damage to the building’s structure or spread to another tenant’s apartment. Additionally, by removing the underlying moisture allowing mold to grow, you can save yourself a great deal of money by preventing mold from returning and requiring further mold cleanup.
Bathtub Backups Mean Sewer Problems
Tree roots are a main cause of a clog
As you go about daily life in Cullowhee, NC, the last thing you might expect is a bathtub backup. Since tubs are designed for water to go down, the situation typically means there is a sewer backup. That can make solving the problem and cleaning up the mess more complex.
How Backups Happen
When there is flooding in the bathroom that isn’t from an obvious leaky fixture, there is a good chance the sewer line is clogged. While that can be a problem on the city’s end, it is more likely that the issue is within the home. Main causes of a clog include:
- Food chunks
- Tree roots
- Foreign objects
Before the backup occurs, there may be a few signs that you are about to deal with a big mess, including slow drainage, gurgling noises, frequent clogs, and migrating water. If any of these indications show up, calling a professional plumber can help you avoid a nasty situation.
After calling a plumber to determine the issue and fix it, dealing with the cleanup can be a messy job. A sewer backup includes contaminated water. Before rushing to clean up the debris, it’s important to wear protective clothing to reduce the risk of inhaling contaminants or spreading them to unaffected areas. Ensure that all surfaces in the area are cleaned with a bacteria-killing disinfectant. Any saturated items, such as rugs or towels, should be removed and immediately washed.
If the dirty water has made its way onto the floor, call a professional water damage and remediation restoration specialist to ensure proper cleanup and contaminant containment. Water can quickly wick its way up walls and seep through cracks in the floor, turning a bathroom problem into a whole house problem.
A sewer backup may not be entirely avoidable, but raising awareness of what can and can’t be flushed, as well as regular plumbing inspections, can reduce the potential of it happening.
5 Mold Prevention Tips
By regularly inspecting the roof is an easy way to keep your home dry
Five Mold Prevention Techniques
When there is visible water damage, homeowners in Murphy, NC, can expect to have to deal with mold. That often means contacting trusted mold damage and remediation expert to properly clean and eradicate the problem. Unfortunately, mold is tricky and can rear its ugly odor without visible signs of damage. Below are five mold prevention techniques to keep your home smelling clean and fresh.
1. Quick Cleanup
Once water enters the home, mold growth can happen within 48 hours. Whether it’s a small amount or the basement has flooded, removing wet materials and drying out the area fast is vital. Even laundry left in the washer too long can create the right environment for fungi to grow.
2. Find Problem Areas
A key to mold prevention is locating areas in the home that are more susceptible to water infiltration. Take the time to thoroughly inspect your home for areas with high humidity or frequent condensation, especially basements and around water heaters. If the basement is prone to leaking, considering investing in waterproofing materials.
3. Good Ventilation
Everyday activities can contribute to excess moisture in home. Whenever showering or doing laundry, ensure fans are running and the room is well-ventilated. When humidity levels rise, run a dehumidifier. If the outdoor air isn’t too humid, open windows when cooking, doing dishes or showering.
4. Mold-resistant Materials
If doing any home improvement projects, look for mold-resistant materials to reduce an infestation down the road. There is an array of products available including paint, drywall, and gypsum board.
5. Clean Roof and Gutters
One of the main culprits of water problems is the roof and gutter system. From winds blowing branches to create a hole to leaves blocking drainage, regularly inspecting the roof is an easy way to keep your home dry and prevent future damage.
When it comes to mold prevention, awareness can do wonders for your home. Taking time to do an inspection and maintenance before the rainy system helps limit the potential of mold spreading.
How to Keep Your Fire Sprinklers Ready for a Disaster
Fire sprinkler system in an Andrews, NC office
Having a working fire sprinkler system is the single best strategy you can take to protect your business from a fire in Andrews, NC. Statistics show that they are highly effective at fire suppression, save countless lives, and protect property. However, they must be inspected and maintained properly to provide protection.
A Really Big Difference
Major fire departments have studied the difference between structures with a working fire sprinkler system versus one without. The contrast is staggering; one study run in a single county during 2018 demonstrated the incredible return on this simple investment:
- $144,266,225 saved from property loss
- Not a single fatality or injury
- 93% of fires only activated a single sprinkler
Most fires in the U.S. in buildings with sprinklers were confined to a single room. This not only reduces fire damage but water damage as well. Accidental activation of fire sprinklers is exceedingly rare, although it can happen, usually as the result of an employee’s mistake – or outright vandalism.
Inspection and Maintenance
The National Fire Protection Association has a rulebook called NFPA 25. It’s the go-to resource for how to effectively inspect and maintain a fire sprinkler system. When followed correctly, your chances of stopping a fire in its tracks rises exponentially. It has a set schedule for inspections, including
A weekly visual inspection.
A monthly visual inspection and test.
A quarterly visual inspection and test.
A yearly visual inspection and a thorough test.
You can usually do the weekly visual inspection yourself, while the other three generally require a certified fire suppression company to perform. On your weekly inspection, make sure there are no items within 20 inches of sprinkler heads and that the area around the fire pump equipment on the ground is completely clear of obstructions.
If you need a fire sprinkler cleanup or have other fire and water damage, call a certified local fire damage cleanup company to get the restoration process started immediately. Water damage tends to worsen the longer it’s left, so the sooner you call, the more money you can save. SERVPRO is Faster to Any Size Disaster.
5 Tips for Water Damage Cleanup
Equipment can include masks, gloves, boots, and coveralls,
5 Tips for Water Damage Cleanup
If you’ve experienced water damage at your Cashiers, NC, business then you may be wanting to get it cleaned up and repaired as quickly as possible. After all, quick action can not only help prevent long term damages, but may also save your company money in the long run. Here are five tips you may want to know about forgetting the damage taken care of.
1. Contact a Professional
Anytime flooding occurs at your place of business you may want to contact your local damage restoration service to help with cleanup and repairs. These professionals have the tools and training to help with a variety of related damage problems.
2. Wear Safety Gear
It’s always important to wear safety gear anytime you deal with a restoration. Equipment can include masks, gloves, boots, and coveralls.
3. Remove the Water
Removing the water quickly is another important step for preventing water damage. This can be done with pumps or water-rated vacuums, as well as squeegees and rags.
4. Dry the Area
One of the most important steps of water cleanup is to thoroughly dry the area. This can help prevent long term problems such as swollen wood or mold.
5. Use Content Cleaning Services
After broken pipes flood your business, many of your office items may require cleaning as well. Your restoration company may have the ability to clean and restore these items as well as your space, so be sure to discuss your options with them.
After water damage occurs at your place of business it’s best to get things fixed as quickly as possible. Fortunately, a professional restoration service can do just that! They will have the right safety gear needed for the job and will be able to quickly remove water and dry the area. A restoration team may also be able to help clean any affected items.