What To Know About Insurance Coverage and Mold
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What You Should Know About Mold Insurance Coverage
Stories of floods are becoming more common and so are horror stories about homeowners fighting fungus growth and mold destruction inside their homes. Whether it is a broken pipe or surging flood waters, the resultant damage can be catastrophic. That is why many people in Weymouth, MA, wonder if their insurance policy covers the flood damage created by mold-laden bacteria once the water is gone.
There is no simple answer to mold insurance coverage. Fungi, mold, and bacteria can all have a detrimental effect on property and require extensive reclamation efforts. A homeowner's insurance policy often limits mold damage coverage to those issues caused by situations that are already covered by the policy. In other words, if you have flood insurance and have a flood, the policy could cover all resultant issues, including mold. However, if you experience an earthquake and it causes broken pipes, the resulting flood and mold damage may only be covered if you have earthquake insurance.
Fungus growth can also result from frequent wet areas due to landscaping problems, repeat leaks, or continuous seepage. This type of property damage is considered a maintenance problem and typically not covered by insurance. Additionally, when insurance does include mold removal and cleanup, the policy often has a monetary cap for the project.
If you have questions about what your mold insurance policy does cover, consider talking to an insurance adjuster or representative to find out what your policy options are about mold coverage. If you already have mold issues in your home, call a mold remediation team and let the experts help you. The professionals can answer all your questions about mold growth as well as help with preventative measures.
Being proactive about your insurance coverage can be the first step in protecting your home from future fungus growth problems. If you know what your policy covers and what it does not cover, you can take charge of any changes you want to make before a flood strikes.
To Lessen Roof Damage, Plan Ahead
Roof damage from heavy rains in Hingham, MA.
Plan Ahead to Reduce Roof Damage
Until a storm hits and roof damage occurs, you might think your home is everlasting. However, when you’re engulfed by the aftermath of a storm in your Hingham, MA, leaks in the roof plummeting to the soaked carpet below, things will likely feel different. Fortunately, these tips will help you feel more productive and capable during a time of misfortune.
Steps To Take Prior to Cleanup
Although it may be tempting to immediately tidy up destruction following wind damage, the best thing to do is to think methodically. The following steps will make the insurance process run smoother:
- Document a list of property damage.
- Keep receipts from initial work done.
- Take photos of destruction.
How To Further Prevent Roof Damage
Once you’ve completed the preliminary steps, it’s time to do everything you can to avoid further wreckage. The first person you should call is a qualified contractor, but while you’re waiting, stay busy:
• Leaks in the roof. You will want to tarp these as soon as possible. If it’s still raining and you can’t tarp them, you can place buckets in the general area so that you reduce the amount of damage. (If it seems sketchy to tarp the roof yourself, there’s no harm in waiting for the contractor to arrive).
• Shattered windows and/or cracked skylights. Cover these areas with plastic or boards. Be careful when dealing with shards of glass.
• Clean the gutters. It’s not uncommon for gutters to get plugged with leaves and other debris. When the gutters are jammed, they can get in the way of the roof’s drainage system, which can cause water to back up under the roof.
Proactivity Pays Off
Roof damage is rarely part of anyone’s plan. The best thing you can do for your home and its future is to research ways to incur the least amount of damage from the get-go. It may seem tedious at first, but your home will thank you later.
Fire Safety Tips for Pet Owners
Supervise your pets around open flames, such as candles or fireplaces.
Tips For Pet Owners On Fire Safety
Your pets are important, cherished members of the family in Hingham, MA. You feed them quality food, get them plenty of exercise and visit the veterinarian regularly. But, have you considered your pets when planning for a fire emergency? Follow the pet safety tips below to keep your best friend safe in a fire.
How To Prevent a Fire
The first step in pet safety is to prevent animals from accidentally starting a fire:
- When you are away, have puppies and kittens confined to keep them out of trouble. Use a crate or baby gate to shut them in a room without potential fire hazards.
- Supervise your pets around open flames, such as candles or fireplaces. Extinguish all fires before going to bed or leaving the house. Consider using flameless candles, especially with large dogs or cats that can access where candles are used.
How To Prepare for a Fire
Have a plan ahead of time to swiftly escape the house with your pets, or increase the chance firefighters can rescue them rapidly in your absence:
- Practice a fire emergency escape plan for your family that includes your pet. Train your pet to come when you call them, even when a smoke alarm is sounding.
- Research local boarding or pet-friendly hotels in the event that you cannot remain in your home due to a fire.
- Secure proof of pet ownership and vaccination records in a fire safe box.
- Put decals on doors or windows informing firefighters what type and how many pets are inside. This part of pet preparation helps emergency crews know to rescue your pet.
- When not home, contain pets on a lower level of the house easily accessible to firefighters. This saves time in the event of a fire.
Use the prevention and preparation tips above to keep your beloved pets safe in a fire emergency in Hingham, MA. A home fire is devastating, but significantly less so when your family and pets are unharmed. Your house, unlike pets, can be cleaned and restored to pre-fire condition. Contact your homeowner’s insurance agent and a fire restoration specialist to begin the process of restoring your home.
Prevent Mold Growth With Immediate Response
Mold damaged a drywall in Weymouth, MA
Prevent Mold From Taking Hold In Your Property
The key to prevent the addition of mold growth after water damage in Weymouth, MA, is immediate prevention. As soon as water gets into places it doesn't belong, minimize damage by to your property and furnishings by responding immediately. Call your insurance company first and then take the following steps:
• Disconnect the power and remove all electronics, furniture, and other moveable contents from the area. This includes pulling out carpeting and underpadding. Remember, do not enter any affected area without first disconnecting all power and electricity.
• Remove the water. If possible and appropriate, pour buckets of water down drains. Otherwise, pour it into lawns or other permeable surfaces around the property. Continue your work with towels and mops until water has been completed evacuated from your building. If you plan to use a wet-dry vacuum, make sure you find a plug that is not located near the water. Do not use an extension cord because if the connection meets the water, it could short and shock you and others in the area. A sump pump may also be a viable option.
• Thoroughly dry the area. If the weather is dry, you can open windows for good ventilation and use fans to circulate air more quickly. A dehumidifier helps you get the area dry as quickly as possible. You may need to cut away any areas of drywall that were affected by water because the space behind the drywall is perfect for mold growth.
• Disinfect everything affected by water damage. Mold prevention professionals can help you choose the best disinfectant for wood, insulation, and other materials. You'll also want to consider the dangers of bacteria that may be in the area as a result of flooding.
• Dispose of materials that were affected by mold or water damage. It's important to thoroughly discuss proper disposal habits with mold prevention professionals, so you don't inappropriately affect municipal waste management services.
Use these tips to prevent mold from taking hold in your property. Professionals in Weymouth, MA, may be able to offer you further advice and assistance.
The Danger of Ignoring Drips Inside Your Home
Water damage in South Weymouth, MA.
Prevent Water Damage In Your Home
Homeowners lose an estimated 2.9 million dollars in water-damaged goods a year in the United States alone. Whether it is due to regional flooding, a broken pipe, or a damaged irrigation system, the loss is staggering. Help prevent potentially destructive water in home areas in South Weymouth, MA, by fighting back.
A single drop of water rolling down the inside of your window looks innocent. So do the three or four drips you saw falling off the water pipes in the basement. The problem is that a single drip is often followed by dozens of other drops of water in the same area. Here are a few locations to check for possible infrequent drips of water.
- Water tubes connected to appliances
- Unsealed window frames
- Basement water pipes
- Wastewater removal tubes
- Condensation coils in A/C units
The innocent drip can quickly turn into a destructive drop if given enough pressure, time, or corrosion. That is why it is important to stay aware of dripping water in home areas that are sending you warning signals. To prevent further destruction, check the following areas regularly.
* Occasionally tighten appliance tubing that water pressure can loosen.
* Dry and caulk windows that allow occasional drops of water to slide down the inside.
* Seal water pipes in the basement as you check for cracks.
* Secure wastewater removal tubes and call a professional for pipe cleanup if the damage is found.
* Identify rust or corrosion in A/C units and clean immediately.
You have probably heard the old adage “an ounce of prevention is worth a pound of cure”. That simple precaution is certainly true when it comes to preventing water damage inside your home. Actively checking possible areas of concern can allow a small fix and avert a possible crisis a few weeks later. Unwanted water in home areas of concern can be a problem, but you don’t have to let it get the best of you. Stop your drips before they become drops.
The Basics of Insurance Deductibles
Flooded building in Weymouth, MA.
Here's How Storm Deductibles Typically Work
Your commercial insurance coverage depends on the specific needs of your business in Weymouth, MA, and several factors can play a role. If, for example, you live in a Special Hazard Flood Area, storm insurance may be mandated by law. Some type of flood coverage is probably a good idea if your area experiences frequent precipitation or rainy seasons. The amount of money you end up paying with a storm policy is a delicate balance of your premium and your deductible. Essentially, the deductible is the money you must pay out of pocket before the coverage kicks in.
Typical vs. Trigger
Usually, an insurance policy will have a standard deductible. That is, there is a set amount that you will be expected to pay for restoration services or repairs before the insurance company will contribute. Some storm insurance, however, has a trigger clause that activates a different set of rules for the deductible if a storm is nigh. Required conditions for a storm deductible to be triggered often include:
- Official storm watch or warning issued by the National Weather Service
- The intensity of the storm defined
- The specific time frame during the storm when the damage occurred
Standard vs. Percentage
A standard deductible is a fixed amount that the policyholder must pay before insurance pays for any of the damage. In areas that are particularly susceptible to storm damage, however, a percentage deductible may be applied to minimize the risk for the insurance company. Percentage deductibles take the total value of the property and base the deductible on that amount. These deductibles can be as low as 1% of the total value of the property or as much as 5%, depending on the level of risk the location of the property poses.
No matter what kind of deductible your insurance company offers for your storm insurance, it is still a good policy to have. Your insurance agent can detail the benefits of purchasing a storm policy for your business.
Lightning and Risk of Fire to Your Home
Storms occur with little warning and can be especially devastating.
Electrical Storms and The Potential Risks To Your Property
Lightning is one of the most dangerous natural forces in the world, and this phenomenon has the ability to cause significant damage to the homes that it strikes. One of the major hazards that it poses is the threat of lighting fire to your residence. If you are a homeowner in East Weymouth, MA, read on for more information about electrical storms and the potential risks to your property.
How Does It Enter Your Home?
A bolt of lightning will always find the quickest path to enter the ground, and unfortunately, homes can sometimes be part of that path. Your home can be entered in a number of ways.
- Direct strikes
- Power, cable, or phone lines
- Electrical gates or doors
- Metal pipes
How Do Fires Start?
Once a strike occurs, the risk of a house fire is considerable. A bolt is a current of electricity that can reach temperatures comparable with the surface of the sun. The intense heat is enough to ignite a flame, especially in highly flammable parts of the home, such as the attic or within the walls where insulation is present. Electrical charges can also create dangerous sparks responsible for lighting fire to homes and buildings.
Stay Safe During Storms
Remember, you are within striking distance if you can hear thunder. During storms, stay inside, away from doors and windows, and avoid using items that place you in contact with plumbing or electricity. If your home suffers a strike, contact the fire department to check over your property. If you detect smoke, call 911 and evacuate everyone from the premises immediately.
Electrical storms and strikes can form quickly and wreak havoc in your life by lighting fire to your home. If your dwelling is a victim of this type of blaze, don’t hesitate to reach out to an emergency restoration service to assist you.
Recovering From a Flood Using Mitigation and Restoration
A storm can cause extensive damage to your building.
Recovering From a Flood Using Mitigation and Restoration
Experiencing a flood in your Weymouth Landing, MA, business can feel devastating. Fortunately, there are times when you can prepare in advance to prevent damage. With the right flood cleanup company you can also recover more rapidly. But time is of the essence when mending after a flood. Begin by understanding how a professional service can help you rebuild, including the difference between mitigation and restoration.
When To Begin Mitigation
If you hear a rainstorm warning, you may be able to begin mitigation efforts before the storm ever hits. If the flooding is expected to be minimal, steps as simple as repairing cracks and holes, sealing gaps and placing sandbags strategically could keep water out of your business. Shallow water levels, for example an inch or two, may be possible to defend against in this way.
When a storm catches you off-guard, however, or the flooding is deeper, stormwater may make it into your building. Once the storm has passed and reentry is safe, a flood cleanup company can be hired to begin clearing out anything which may continue to cause damage and locate salvageable items. Beginning mitigation as soon as possible provides your business its best chance of limiting losses.
Why Restoration Is Important
Although it’s a longer process, restoration is often required. While mitigation is meant to stop further damage from being done, restoration is necessary for repairing what damage has already occurred.
A restoration company can step in and begin replacing drywall, cleaning nonporous surfaces, and putting your business back together. During restoration, any additional areas of concern have a better chance of being located and corrected as well, improving the overall outcome and leaving you with a safe facility once again.
A storm can cause extensive damage, even when you try to prepare beforehand and mitigate the extent of the effects afterward. The damage to your business may demand a professional flood cleanup company in order to get you going again.
How Mold Spreads and Ways To Handle It
Mold damage behind drywall in a home.
Spreading mold is a massive problem for any homeowner, especially if it involves the notorious black mold. Should an infestation be discovered at your house in East Weymouth, MA, you must immediately contact a residential mold removal service to perform mold remediation before it worsens. Here are some facts explaining why mold advances and what you should do after encountering its presence.
How Mold Spreads
Mold in lower levels rises to upper floors because of a phenomenon known as the Stack Effect. As warm air rises, a vacuum is created that causes lower-level air to be sucked upward. Contaminated rising air includes:
- Mold spores
- Fungal odors
- Dust mites
Once spores infest a room, a new mold infestation can begin colonizing within two weeks or less. Because they are often organic, household building materials such as wallpaper and paint provide enough sustenance for mold to keep growing indefinitely.
What To Do If You Have Spreading Mold
Determine the cause of your mold, typically a direct source of moisture. Correct the issue promptly. For instance, if the trigger is a leaky pipe, hire a plumber to repair it.
Once your mold source has been eliminated, dry the area with dehumidifiers. Use fans only if mold is not visible; otherwise, spores can become airborne. Open windows and doors to let breezes flow in. After dryness has been achieved, start cleaning. Before handling mold-riddled items, don protective gear, such as goggles, plastic gloves, and masks.
Plaster, insulation, and ceiling tiles are porous and need to be tossed. Put them in plastic bags before dragging them through your home. A vacuum outfitted with a HEPA filter can be used on non-porous and semi-porous elements such as metal, glass, and solid wood.
The best way to make certain spreading mold has been destroyed is by hiring a professional mold removal service. Utilize their expertise to clear your house of this pernicious problem.
How To Give Clients an Accurate Estimate for Fire Damage Restoration
Our team responds fast to any disaster.
How To Give Clients an Accurate Estimate for Fire Damage Restoration
There are a lot of different factors that need to be considered when working with fire damage. Likewise, when planning to remediate a building in North Weymouth, MA, many factors will impact the projected cost. Not only will contractors need to understand the work they will be performing, but they will also need to predict the materials they will need. All of this can be a lot to keep track of. Therefore, restoration companies must follow this system to give clients the most accurate estimate possible.
Choose a Format
The first step to creating an accurate estimate is to choose a solid format so that you don't exclude anything from your predictions. Here are several formats you can choose from:
- Story of loss
- Top to bottom
Include Prep-Work Items
The first key thing you should include in your estimate for each room is the materials you will need to conduct your preparatory work. This will include any tools you need, personal protective equipment, and environmental control equipment. Also, consider the costs of packing out any contents during the preparatory phase.
Add Removal Costs
On the initial visit to a site, a fire restoration professional will need to confirm the damage's scope and what needs to be removed. This applies to both contents and the actual structure. Look for any materials that flames, soot, smoke, or water has damaged beyond repair and calculate the costs of removing them.
Restoration estimators are crucial to the restoration process. Therefore, they must be thorough when investigating the site of a commercial fire. This will give the restoration company a reasonable budget to follow on the project. The key is to choose a proper format and stick with it. Remember to include all of the materials you will need for the project. Then, do a comprehensive exam of the building. This will allow you to create a budget that your company can work within.