The 3 Types of Water That Could Impact Your Home
Contaminated water comes in various forms
How Serious Is That Flood? Isn't It Just a Little Bit of Water?
Sometimes something that seems innocuous could actually be quite harmful to the building's bones, requiring more than towels and bleach. Before people begin wiping up the sopping mess, they'll need to understand if contaminated water has overtaken the area. Therefore, it's prudent to know the three categories of water exposure. With that information in hand, insurance and owners in Bingham Heights, NC, can begin working together to accurately restore the premises.
1. Category 3 Water
Of utmost concern would be black water, a highly contaminated form of liquid. Highly concentrated with bacteria, fungus, and microscopic organisms, the water enters a home or business from rising waters or a sewage line. Intense storms, flash floods, or a clogged pipe could suddenly happen, invading the home and absorbing quickly into porous items, especially dry wall and carpeting. A common occurrence is a backup in the sewer line, causing the toilet to overflow when showers or washing machines are used. Because of the high level of pollution, it is recommended to tear out much of the impacted materials.
2. Category 2 Water
Although this contaminated water isn't chock full of spores, it does contain some level of bacteria. Often called grey water, this fluid enters from several appliances or lines. Is your dishwasher leaking? Has your toilet overflowed after someone uses it? Has your sump pump failed? In each of these cases, the moisture has feces, urine, or food particles. A water restoration company could identify the type of impact and clarify whether tear out needs to occur. In addition, the space should be dried out and sanitized.
3. Category 1 Water
Fresh water runs through your pipes. When a clean supply line breaks, experts refer to it as a category 1 exposure. Although it could be a leak in the wall, it also includes tub and sink overflows. Although unadulterated, the humidity proves problematic. Immediate drying should happen to offset the chance of structural damage and mold development.
Contaminated water comes in various forms. Understand it's origin to know the proper method for cleanup.
Ways To Keep Water Out of Your Home While You're Gone
Clean out your rain gutters
Like anyone, your body and mind need a vacation once in a while. It's therapeutic to get away from your normal routine and get some rest and relaxation. Leaving your home for an extended period can cause some stress, however. You may worry about coming home to damage from water or another disaster or incident. Before you take off, you may want to look for water pipe repair issues or other needs to reduce the risk of flooding.
Check for Vulnerabilities To the Weather
Depending on where you live in Juno, NC, you may encounter some nasty weather at different times of the year. You can protect your home to minimize the effects of heavy rainfall, high winds, and other issues. To minimize the chances of coming back to a flooded house, do the following:
- Re-seal your windows and doors
- Clean out your rain gutters and downspouts
- Inspect your roof for damage or weak spots
Care for the Pipes
A network of plumbing and water pipes run through your home. A broken pipe can spell doom for your home and introduce widespread flooding. When the weather outside gets cold, make sure you insulate the pipes. Also, you should enlist the help of a plumber to look at the pipes and check for leaks or cracks. Fix any of these problems immediately.
Shut off the Water
If you're gone for several days or a couple of weeks, you won't need the water on in your house. Locate the main water line valve and shut it off. You'll also want to drain the water from all faucets and spigots in your home. If you need a hand with this task, a plumber can help.
Talk To a Neighbor
Before you leave, talk to a trusted neighbor about looking after your home. You don't want to come home and need water pipe repair. A neighbor can alert you to any concerns.
Professional flood cleanup companies can help restore your home after water damage. However, you're better off never experiencing this emergency in the first place.
Caring for Contents After a House Fire
Fire damage in Avery Creek, NC
Caring for Contents After a House Fire
A fire can do serious damage to your home and belongings. Fortunately, dry-cleaning and other restoration methods can get your Avery Creek, NC, home back to pre-fire condition.
Different types of fires produce different types of soot. The following are some common types of soot you may encounter after a house fire:
- Protein residue
- Wet soot
- Dry soot
Protein residue is often hard to see and emits a very strong odor. It results from organic material, such as food, evaporating during a fire. Slow-burning fires, often fueled by rubber or plastic, generally leave behind wet soot that is difficult to clean because it smears easily. Fast-burning fires, such as from burning wood or paper, usually create dry soot. Dry soot is easier to clean than its wet counterpart but often gets stuck in crevices. It is possible for one fire event to leave behind multiple types of soot in a single home. Some surfaces and soot residue respond well to dry-cleaning, whereas others require wet-cleaning. A professional can determine the best technique and cleaner for each item in your home.
It is often helpful to move some items off-site in order to allow more room for the in-home restoration efforts. In addition to throwing away unsalvageable items and sending items off for content cleaning and restoration, you can relocate items to off-site content storage to keep restored and undamaged items safe during the restoration process. A professional service can make sure your items are properly stored and easily accessible. With fewer items in the home, the restoration team can focus on repairing building materials, carpeting, etc. to make sure your home is safe for your family's return.
Knowing how to clean, store, and repair fire-damaged items can be tricky. Fortunately, a professional restoration service can help you with everything from dry-cleaning and structural restoration to off-site storage to get your home back to normal quickly and safely.
How To Get Help Following a Flood
There are professionals who specialize in cleaning up following natural disasters
How To Get Help Following a Flood
There are many great reasons to live in Alexander, NC, but like many cities across the nation, during the spring the weather can be unpredictable. If you live in a flood plane, chances are you're going to experience residential flooding at some point. Should a disaster occur, make sure you know which crucial steps to follow for getting your life back in order.
1. Contact Your Insurance Company
Once you've made sure everyone is safe, the first call you should make is to your insurance provider so they can assess the damage to your property. Your homeowner's policy should include flood insurance.
2. Contact a Professional Restoration Company
There are professionals who specialize in cleaning up following natural disasters. These pros can work with your insurance provider to get started as quickly as possible on any necessary repairs. Because of the dangers involved in the cleanup process, including mold and your home's electrical wiring, it's best that you don't attempt the work on your own. Wait for the professional team who will be assisting you in your journey back to normalcy.
3. Apply for Federal Assistance
Because you have a deductible, it's likely your flood insurance won't cover the cost of all the damage to your property and belongings. You can apply for FEMA grants once Alexander, NC, is declared to be part of a disaster-designated county.
Even after you receive funds from the government, you may still have expenses. The Small Business Administration also offers special low-interest loans for those affected by disasters. It doesn't matter whether you rent or own your home. If you incurred damages, you are eligible for help.
Experiencing residential flooding can be stressful, but knowing beforehand where you can go for help can reduce anxiety following a disaster. Working with your flood insurance provider, FEMA, the SBA, and a reputable restoration company can ease the burdens of the recovery process.
What Should You Do if Your Business Has a Burst Pipe?
Bursting pipes can happen to any business with plumbing in Georgetown, NC
What Should You Do If Your Business Has a Burst Pipe?
Bursting pipes can happen to any business with plumbing in Georgetown, NC. If it must happen, hopefully it does when someone is around to notice it, but these things have a way of happening at the worst times. Either way, there are a few immediate steps to take as soon as you know about it:
- Shut off the water – fast!
- Turn off the breaker to the hot water heater.
- Remove the standing water.
- Put fans in any area that had standing water.
- Notify the building owner.
Whose Responsibility Will the Plumbing Be?
This depends on who owns the building and on your contract. In most cases, even if you rent your space, the plumbing will be your problem, outside of serious negligence of the landlord. However, if water damage in Georgetown, NC occurs from bursting pipes from an adjacent business, you may have a claim for damages.
You’ll probably need a professional plumber to fix a broken pipe. While amateurs often try their own DIY at home, commercial plumbing should be done by a licensed plumber. Plus, you can write it off as a valid business expense.
How Long Do You Have Before Water and Mold Damage Happens?
Unfortunately, you may have as little as a few minutes. Once the drywall is exposed to water it will start to soak it up immediately. Anything else absorbent in the area will have to be protected very quickly.
Secondary damage, particularly black mold growth, tends to be the most difficult damage to remediate from bursting pipes. Typically, you’ll need to call in experts familiar with all forms of water damage to return your business to full operating capacity.
This needs to be done as quickly as possible. Mold growth that isn’t addressed precipitously will allow it to spread spores everywhere, creating new colonies behind walls and under subflooring. The professionals will bring in thermal imagers and humidity testers to locate areas of high humidity and dampness in the hidden areas. They also have special equipment, such as air movers and commercial dehumidifiers, to reduce elevated humidity levels and draw moisture from building materials.
Mold Cleanup Tips
Severe mold damage on ceiling
Mold Cleanup Tips
If you notice a small patch of mold on the ceiling or wall of your building in Jupiter, NC, you may think that it's pretty easy to clean. In some cases, you may be right, but often fungus cleanup requires more than just wiping down the surface where you see the growth. Here are a few tips to ensure that you take care of the whole problem for good.
1. Find the Cause
Many property owners will have surfaces cleaned with detergent or bleach and be surprised when the mold comes right back. That's because it doesn't do any good to remove an outward sign of mold if you don't fix the problem that caused it in the first place. If you have a leak in your building or unresolved water damage from a previous water loss, you need to call certified remediation specialists to fix the underlying issues in your building. Otherwise, the mold problem is likely to keep coming back no matter how hard you scrub.
2. Locate Mold Growth
In general, you may be able to take care of minor fungus cleanup on your own. If the patch is less than 10 square feet on an impermeable surface, a thorough cleaning with a good detergent may do the trick. Even a small patch of mold on a porous surface such as drywall or ceiling tiles, however, can be indicative of a larger growth beyond what you can see. Having your building inspected and tested by a certified hygienist can help you understand the total scope of the problem.
3. Use Proper Techniques
One of the reasons that wiping a surface down with bleach doesn't often cleanup mold is that bleach is only designed for use on nonporous surfaces. It doesn't reach all the places that mold can grow; it just temporarily wipes away the top layer. If mold has grown into your drywall, you may have to have the wall replaced to fully remedy the problem.
Fungus cleanup isn't always as easy as it seems. To fully mitigate the issue, you may need professional assistance.
Filing a Claim for Fire Damage
Claim for fire damage
Remember The Following Three Points
Unfortunately, when sparks consume a business, they leave it scarred and unavailable. It's a time of loss and closure, forcing business owners to sit back and wait for assistance. Opening a fire claim is one-way establishments in Enka, NC, can get back up and running, providing monetary relief to the owners. The process may seem a bit daunting, but it doesn't have to be that way. Take a few deep breaths, and remember the following three points.
1. Call Your Agent Immediately
As soon as possible, contact your insurer, explaining that your establishment has suffered from smoke and flames. Provide your policy number, initiate a claim and immediately request authorization for a fire restoration company. By doing so, you begin seeking financial assistance from the agency. In addition, this allows a restoration crew to enter your place and begin assessing destruction and need for repairs.
2. Take Protective Measures
With the fire claim open, tend to the property. With the remediation team, go in and gather any important documents. Be sure that the experts deem it's safe to do so. While inside, secure any records, particularly tax papers, expense reports, and contracts. Furthermore, at this time, the premises need to be secured. Any exposed areas should receive tarps or boards, preventing unwanted trespassers or potential weather complications. These actions protect your valuables and claim.
3. Document Hazards and Loss
Record keeping is vital as your insurance company will request documentation to validate any compensation. Thus, grab a camera and begin filming or snapping photos of the fire damage. Don't neglect anything. Whether something is going to the trash or being professionally cleaned, it deserves visual confirmation. Save these to a hard drive, emailing them to the agent in charge. In addition, as you replace items, scan the receipts, putting everything in one place.
As your fire claim is processed, remember that it's up to you to ask questions, monitor the situation and remain organized. Stay vigilant and keep records.
Things To Know About Commercial Storm Insurance
Ceiling storm damage in Leicester, NC
Things To Know About Commercial Storm Insurance
A pillar of a strong company is having the appropriate level of storm insurance. This protects your company in Leicester, NC, from unexpected events such as hurricanes, wind storms, tornadoes, and powerful thunderstorms. The coverage consists of several elements, including the following:
- The type of damages that are included in the policy
- The deductibles you must cover before the insurance company begins to pay
- The premiums or total annual cost of policy
Each of these elements is complex enough that it is important you understand what you are getting. Talking with your insurance agent at least once a year can help you save money on premiums and adjust your insurance coverage to the right levels.
The deductibles for your storm insurance depend on several factors. In many cases, you are able to negotiate these costs, and this, in turn, will make your premiums go up or down. Coverage for hurricanes or windstorms has its own set of factors that can determine deductibles. In some cases, a company that has reinforced its building with wind damage protections could see reduced deductibles and premiums. Also, since hurricane damages have increased in recent years, the insurance industry has moved from a set dollar deductible to a percentage deductible, leaving the property owner exposed to more damage.
It is a good idea to know what damages are covered with your storm insurance. In general, wind damage from a storm, hail damage, lightning and other forms of damage that come from the sky are covered. Events such as plumbing problems from busted pipes are covered as well, so long as the property owner wasn't negligent with maintenance. Damage that comes from a flood is typically excluded and is usually covered by the National Flood Insurance Program with its own specific set of rules. A fast response to storm damage from a storm remediation team can limit your expenses and exposure to a long business interruption.
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.