Answering Your Questions About Mold and Renters Insurance
Rental insurance may help you pay for mold remediation services in Candler, NC
A leak or flood in your apartment can cause severe mold damage. While mold removal companies can mitigate the harm, the process is often extensive and costly.
You may be wondering if your insurance will pay for the black mold cleanup. Below we answer some questions about mold and rental insurance.
When Does Insurance Cover Mold?
In general, your insurance will pay for damage caused by mold that results from a covered peril. Common covered perils include:
- Air conditioning overflow
- Burst or frozen pipes
- Cracked water heater
When Does Insurance Not Cover Mold?
Your insurance only covers your personal belongings damaged by the mold. Any harm to the structure of the property, such as the ceilings and walls, is the responsibility of your landlord.
There are some other exceptions to your insurance policy, as well. Mold damage caused by heavy rain, overflowing sewage or storm surges are not covered. Instead, you have to purchase additional flood and sewage coverage.
The rental insurance provider may also deny your coverage if it determines that the mold growth resulted from your negligence. For instance, if mold spreads because you failed to properly discard or dry wet items, you may have to pay for the damage yourself.
How Much Coverage Does Insurance Provide?
Even if you do have mold coverage as part of your policy, many insurers limit their payouts to a few thousand dollars per incident. This should be enough to cover the cost of basic mold cleanup.
Some items, such as musical instruments, electronics, and jewelry, may require more specialized remediation services. To avoid using all of your mold insurance payout on these valuables, you can purchase additional coverage for those items.
Rental insurance may help you pay for mold remediation services in Candler, NC. However, your coverage may be limited. That is why you should try to prevent mold growth in your home. You can do this by improving ventilation in your bathroom and cleaning up any water leaks immediately.
Water Damage Prevention Strategies for Asheville
Keep Rainwater from Entering Your Attic
Water Damage Preventative Measure to Protect Your Asheville Home Offered by SERVPRO
Although there are numerous things you can do to prevent your Asheville home from deterioration and decay, using water damage prevention strategies is one of the most important measures you can implement. Learn more about the dangers of water damage and how to prevent it from adversely impacting your property by reading the short outline provided below by SERVPRO:
Why Water Damage Prevention Is So Important
Preventing water damage from occurring on your property is important for several reasons. Water damage can result in property deterioration such as wood rot to siding, fascias, and roof sheathing and trusses. Excessive moisture can lead to peeling paint. Preventative maintenance to your house's exterior will mitigate deterioration and lengthen the attractiveness and usefulness of your home. Finally, standing water can lead to a mold infestation that causes health issues for you and your household.
Water Damage Prevention Tips
Although water damage can have devastating and even deadly consequences, you can help prevent it from becoming a property issue by implementing these preventive strategies suggested by SERVPRO:
1. Foundation And Exterior Walls. Inspect for holes and cracks in your foundation and external walls. Be sure to look thoroughly in areas where conduits for plumbing or wiring are going through your exterior walls and then fill them up with the appropriate sealant. Keep a good protective water seal coating on the exterior, especially from grade level up to about three feet.
2. Roof. A shingle roof should be periodically inspected. Be sure to replace or repair damaged shingles to preclude unwanted rainwater from seeping through into the supporting lumber. Keep gutters and downspouts clear of debris from leaves and other foreign matter to ensure efficient drainage. Be vigilant if ice dams should happen to begin building up on the gutters or trim.
3. Windows And Doors. Carefully examine the paint located on the frames of your doors and windows to identify any peeling. Peeling is an indication that water could have soaked in the structure's wood. Also check the caulking and paint for color flaws and swelling. A good coat of paint helps inhibit the absorption of water into door and window casings and trim work.
4. Basement. Be sure that your property's sump pump is functioning optimally. Also be sure that you have built-up barriers and flood shields for any doors or windows in the basement. Request SERVPRO to inspect your crawl space for moisture levels, and to install vents, poly, and dehumidifiers when necessary.
Don't Delay-Get Excellent Water Damage Restoration Services Today
While learning about how water damage prevention tips can decrease the likelihood of high moisture, condensation, and standing water on your property in Asheville, there is still a chance that you may experience water damage. Here at SERVPRO, we pride ourselves in employing and training a team of professional, IICRC-certified technicians who are dedicated to offering customers complete satisfaction with our water damage restoration services.
We are Cleaning Experts
Give us a call today for your commercial cleaning!
SERVPRO is Here to Help during this time of need
During this unprecedented time caused by the global pandemic of coronavirus, this is a reminder to our customers that we are specialists in cleaning services, and we adhere to the highest cleaning and sanitation standards.
We are prepared to clean and disinfect your home or business, according to protocols set forth by the Centers for Disease Control and Prevention. We have years of experience in dealing with biological contaminants, and we will go beyond the scope of work that regular janitorial staff perform on a daily basis.
The CDC encourages cleaning of high-touch surfaces such as counters, tabletops, doorknobs, light switches, bathroom fixtures, toilets, phones, keyboards, tablets and tables. Other spaces mentioned in the CDC’s guidance for commercial spaces include:
- Kitchen/Food Areas
- Retail Spaces
- Water Fountains
- Sales Counters
- Carpets and Rugs
- Stair Handrails
- Elevator Cars
- Playground Equipment
- Fitness Equipment
The CDC recommends usage of a labeled hospital-grade disinfectant with claims against similar pathogens to the coronavirus. Multiple products in the SERVPRO product line carry the EPA-approved emerging pathogens claims. While there is currently no product tested against this particular strain of the coronavirus, we are following all guidelines as provided by the CDC and local authorities.
Call Today for a Proactive Cleaning
If your home or business needs deep cleaning services, call the experts today – SERVPRO of Asheville West- (828) 684-8506
Maintained Building Envelopes Keep the Rain Out
A building envelope is a barrier keeping the exterior elements from getting inside
The structure housing day-to-day operations can easily become a second thought when focusing on running your business or managing properties in Asheville, NC. When a storm begins to brew, its aftermath can result in rain damage, which can lead to more issues down the road. A building envelope is a barrier keeping the exterior elements from getting inside. This shell or membrane includes the foundation, roof, wall systems, doors and other areas of penetration.
Keeping Water Out
A building envelope is the main line of defense from unwanted water and air entering a building, as well as function to divert water and maintain interior temperatures. A loss of integrity to any of its components can lead to water damage that requires extensive restoration and potential black mold cleanup by a water remediation expert. The damage rain can do includes:
- Corrosion of steel rods can lead to structural damage.
- If damaged, porous concrete can become an easy way for water to seep in.
- Excess moisture left unchecked can lead to fungal growth.
- Any stagnant water on the roof can begin to create cracks or begin to rot the roof.
- Foundations can become waterlogged, leading to continued water damage problems.
With so much on a business owner’s plate, preventing rain damage is the best way to keep things running smoothly. Adding regular inspections to the calendar helps safeguard against damage before it happens. Property owners should also have an annual inspection by a certified professional. Inspections should include:
- Ceilings and attics have proper sealing and insulation.
- Wall systems show no signs of cracking or separation from the foundation.
- Windows and doors are properly installed and are not letting air in.
- Openings such as ducts, flues and utilities are sealed.
- Building façade should have no joint gaps or cracks.
- Foundations have proper sloped landscaping and show no signs of erosion or cracks.
Maintaining the integrity of your building through the year can provide peace of mind that the next storm won’t turn into rain damage.
The Institute of Inspection Cleaning and Restoration Certification. (IICRC) certifies and sets the standards for the cleaning and restoration industries. SERVPRO of Asheville West has professionals who meet IICRC standards and best practices in water restoration, fire restoration, mold remediation, carpet and upholstery cleaning, and other cleaning and restoration courses.
How To Prevent Space Heater Fires
Avoid putting the space heater in a location where children or pets can get to it
Space heaters can help you stay warm during frigid Bingham Heights, NC, winters. A burned space heater, however, can cause major damage to your home. In fact, space heaters cause approximately 25,000 house fires each year. The smoke cleanup and restoration after one of these blazes can be extensive.
That is why you should purchase space heaters with certain built-in safety features. The below specifications should reduce the chances of the space heater catching on fire.
Key Space Heater Attributes
Some space heaters are safer than others. When deciding which one to buy, look for one that has:
- A sturdy cord
- Automatic shutoff
A typical space heater cord is approximately 6 feet long. You want a cord that is as strong as possible to prevent sparks from flying.
An automatic shut-off switch can also prevent a burned space heater from harming your home. This feature can immediately power down the heater if it starts getting too hot.
Finally, make sure the heater you pick has a safety certification from an independent company. Those that have an ETL or UL label have been properly tested.
Safe Space Heater Use
A space heater fire can still occur if you don’t use the device properly. To reduce the chances of a major blaze, avoid using a power strip or an extension cord with an electric space heater.
You should also place the space heater on a hard, level floor away from any flammable items such as bedding, gas cans, paint, curtains, matches and furniture. Avoid putting the space heater in a location where children or pets can get to it. Finally, be sure to unplug or turn off the heater when you exit the room.
By following the above tips, you can prevent a burned space heater from destroying your home. Ensuring that the heater has a sturdy cord, proper certification and shutoff features should keep your house safe, as well.
Does Your Insurance Policy Cover Basement Flooding?
Flooded basement in Avery Creek, NC
Does Your Insurance Policy Cover Basement Flooding?
Having an insurance policy is critical for every homeowner in Avery Creek, NC, but traditional policies may not cover every water catastrophe. If you are dealing with a basement flood, it may not be covered under your basic policy. It really depends on what caused the problem. Most policies will cover the water damage if it is caused by an accidental source.
Typical homeowners’ insurance includes two categories, dwelling coverage, and personal property coverage.
If your home is damaged by accidental plumbing malfunctions caused by such things as a burst pipe or a broken dishwasher supply hose, you would be covered. New flooring and drywall is included under this insurance coverage.
Personal Property Coverage
Any damage to personal belongings is covered under this clause in your policy. Such items as furniture, books and clothes are included. After the deductible is subtracted, the policy covers the remaining loss.
Water Damage Not Covered by Traditional Insurance
Unresolved Maintenance Issue: If the damage is the result of a maintenance issue that was not fixed, your insurance won’t cover the costs. A broken sump pump that causes the basement to become flooded won’t be covered.
Flood: A standard insurance policy won't cover a basement flood caused by any outside source of water, such as storms, saturated ground, overflowing rivers, lakes and other bodies of water. Flood insurance is a wise investment if you live near any body of water or if water runoff from storms can pool outside your home.
Water Damage Source: Even though the policy may pay for new flooring, it won’t pay for a new dishwasher to replace the broken one.
Outside Sewer or Drain Water: Typically, your basic policy won’t cover water that backs up into the house from an outside drain or sewer. Water backup coverage can be purchased to cover these situations.
It is wise for homeowners to discuss their insurance policy with their agent to make sure they are covered under any catastrophe. If you wait for a basement flood to occur, it may be too late.
Residential Fire Damage in Asheville, NC
It's important to know how to use a fire extinguisher.
If a fire has just taken place in your home, you may be thinking that your home will never again look like it did. In these cases, it is often true that furniture and the surfaces of other possessions are smoldered with black ashes and stained. Also, ceilings and walls are burnt a great deal of the time. In this situation, it can help to remember that you actually can restore the home to the way it originally looked if you hire a fire damage contractor. There are many reasons why it is best for you to hire a Asheville West fire damage contractor rather than trying to go through the cleaning and restoration processes for your home all by yourself.
The Essential Knowledge and Equipment
Unlike the average individual who has fire damage in a Asheville West home, a fire damage contractor has special experience, knowledge, licenses, and equipment. All of these qualifications are necessary in order to be able to handle the job of restoring your home, as well as making sure that everything that is inside of your house passes the necessary safety codes and building codes. While a fire is raging through your house, smoke penetrates hard surfaces, including your walls, and it becomes trapped in and under these surfaces. This trapped smoke could potentially make it so that your home smells like smoke indefinitely if you do not have the problem professionally addressed. Also, another problem that many people do not even think of is that, due to the fact that water was likely used to put out the fire, you may have both fire damage and water damage in your home. Because of these two types of damage, your home can be subject to the growth of mildew and mold if you do not immediately address the damage to the home. A fire damage professional will have special equipment that will be able to extract the water and smoke from your home and decrease any chances of fungi growth, such as mildew and/or mold. This contractor will also be able to rebuild any vital structures in your home and replace the necessary walls, flooring, ceilings, and other fixtures.
The Assurance of Your Safety
After a Asheville West fire, you may think it is the easiest option to start the damage cleanup process on your own. However, this is typically not a good idea, since your home may actually not even be safe for you to enter. One potential issue is water in your home near electrical wiring, which means there is a chance that you could be electrocuted. Also, if the fire damage in your home is severe, it is possible that there will be weak areas in the floor that could cause you injury if you were to walk over them. As such, it is best that you hire a fire damage contractor; this individual will inspect all areas of your home and make any repairs that are needed in order to make sure that your home is once again safe for you to enter.
A fire damage contractor will have all of the knowledge and special equipment that is needed in order to remove soot, smoke, ash, and excess water from your home in a way efficiently to ensure your safety. Additionally, it is beneficial to remember that it is possible that your homeowner's insurance could cover what this professional would be charging you. As such, it would be a good idea to consult your homeowner's insurance agent regarding this matter. If you would like to know more about fire damage contractors, contact one with your questions.
Fire Damage Restoration
We understand that smoke and fire damage is both devastating and disruptive to your family or business. SERVPRO of Asheville West Professionals respond quickly to repair fire, smoke, and soot damage, including:
- Fire damage cleanup
- Smoke and soot damage cleaning and repair
- Cleaning your home's contents and belongings
- Eliminating fire and smoke odor and deodorization
3 Facts About Category 2 Water
Mold growth after pipe break in Juno, NC
3 Facts About Category 2 Water
Water problems at your Juno, NC business can cause widespread damage, even after your building undergoes water pipe repair. A plumbing malfunction usually results in widespread flooding, and even if the water comes from a clean source, it can grow stagnant quickly and become what is known as category 2 water. Understanding how this type of flooding can affect your business may help you handle these matters confidently should they arise.
1. It Can Begin As Category 1 Water
When rooms are flooded with water that comes from a clean source, it is typically known as a category 1 flooding. The flood can originate from a water line, a kitchen pipe or an overflowing employee sink. However, if the flood occurs over a weekend or an extended holiday, the water may sit for days without being removed and grow bacteria. This kind of breakdown can happen quickly, so you may want to install flood monitors in your commercial building to mitigate any kind of water event as soon as possible.
2. It May Contain Chemicals
A broken pipe can spill chemically-treated water into a room, which may affect the floor and walls. These chemicals may include treated water, detergents and even contaminants, such as gray water from commercial washing machines. You may want to ask your water pipe repair technicians about the source of the floodwater before you attempt to have it cleaned up.
3. It Usually Requires Professional Cleanup
Category 2 water may cause secondary issues, such as mold growth. Black mold, which can grow quickly and create foul odors, will likely require intervention from a water damage and restoration service. This can be especially important if the water came from a questionable source or has been sitting stagnant. Having a relationship with a mitigation service before a flood can be useful, as you will have someone to turn to when flooding occurs.
A category 2 flood can have a negative impact on your Juno, NC business, even after water pipe repair. Knowing the facts about this type of flooding can help you handle it with confidence.
Strategies To Keep Expenses Down
Calling SERVPRO right away helps lower the cost of the claim
A commercial claim for a disaster, whether flooding, a fire, or something else, typically has a lot of moving parts. One factor business owners and insurance adjusters consider is how to keep costs low during cleanup and a restoration. There are several strategies to help with this; pretesting is one of the most effective. Another proven procedure is to fix items whenever possible and only replace them when necessary. Disaster technicians have a high level of training and certification in these types of project, and they can remove smoke odors, soot, water damage and mold growth to save many items from being discarded.
How Pretesting Works
One of the first steps after a disaster is an inspection and damage assessment. This lets the professionals get an overview of the situation and develop a plan of action. A series of tests also allows technicians to discover the following valuable information:
- Is the water from a flood clean or dirty?
- Is mold growth present? If so, what type of mold is it?
- How extensive is the water damage? Are there areas of hidden damage?
- Can items with smoke odors be saved?
Testing involves sophisticated techniques and specialized equipment and helps focus the cleanup on critical areas. It can reduce the final insurance claim by only working on areas that have a problem.
How a Claims Inventory Process Helps
An insurance agent will appreciate a claims inventory by a specialist like SERVPRO. This procedure keeps track of all repairs and expenses through photos and Excel documents.
A disaster mitigation company that does pretesting and has a philosophy and a track record of keeping on eye on cost while still doing the job right is especially desirable. That's why SERVPRO is the preferred vendor for many insurance companies. With an extensive network of locally owned franchises, it is likely to have one in Jupiter, NC, staying true to their motto, "Faster to any size disaster."