Mold Damage and Insurance Coverage: 3 Common Questions
Fighting fungus growth at your Boulder, CO, home can be a frustrating experience. However, you can count on SERVPRO, call us when you need it!
3 Common Questions About Mold Damage And Insurance Coverage
One of the most effective ways to protect your Boulder, CO, home from costly damage is by investing in homeowner’s insurance. From fire to theft, many different instances are covered. However, some issues, such as widespread fungus growth, may not have guaranteed coverage. If you are unsure about what your current policy covers, there are a few questions you can ask your local insurance agent to gain better peace of mind when it comes to protecting your home.
1. Does a Basic Policy Cover Mold Damage?
Most homeowner’s insurance does not cover circumstances that are most likely to cause mold growth, such as flooding from torrential rains or other weather events. If you live in an area that sees a lot of rain and high humidity, then it is a good idea to invest in a separate mold coverage policy that protects your home against such conditions.
2. Are Preventable Issues Covered?
Most insurance companies require you to perform regular maintenance around your home, especially in the case of fungus growth. For example, if you let your home’s roof fall into disrepair and melting ice and snow causes a leak in the attic that encourages mold growth, your policy is not likely to cover the damage. Keeping your home in good shape can prevent these issues and the costly repairs they may cause.
3. Is Mold Cleanup Covered By Insurance?
Whether homeowner’s insurance covers mold cleanup can depend on individual circumstances. For instance, if a kitchen water pipe bursts without warning and you do all you can to shut the water off and prevent further flooding, your policy will likely cover the cost of repair by a flood damage and restoration service. Buying separate mold insurance is one of the most effective ways to ensure complete coverage.
Fighting fungus growth at your Boulder, CO, home can be a frustrating experience. However, when you understand what type of support your homeowner’s policy offers, you may feel greater peace of mind when repairs are necessary.
Fire and Smoke Damage: Replacing Money
If your home or business suffers soot and smoke damage after a fire, give SERVPRO a call. Our team of fire damage experts will restore it efficiently.
Money To Replace After A Fire Or Smoke Damage
When most people think of smoke damage, they typically think of structural damage or even damage to artwork and other material goods. However, how often do they consider currency? Money is often damaged in fires, and people are often left confused about how to handle replacement. Unfortunately, some may even chalk it up as a lost cause. Fortunately, money can be replaced when damaged but you need to have evidence of the damage.
1. Preserving Damaged Bills
In order to present evidence, you need to preserve the money. You should first take a picture of the money in the location it was damaged. Then, you can try to wrap each bill in plastic wrap to mitigate any further damage.
2. Exchanging at a Federal Reserve Bank
As smoke damage can lead to irreversible damage and even the inability to read the value of the bill, you should exchange any damaged money. However, you cannot trade the bills at any bank. You will need to find your regional Federal Reserve Bank or mail the bills to the Bureau of Engraving and Printing.
3. Handling Damaged or Melted Coins
While most soot damage can be cleaned from coins, some coins may have melted or been damaged in the fire. Again, you will need to replace these at your regional Federal Reserve Bank, or you can mail coins to the U.S. Mint.
4. Calling for Assistance
As a specialist in smoke cleaning, a fire remediation specialist in the Louisville, CO, area may be able to help you find numbers and details of damaged money experts. You can also reach out to your regional Federal Reserve Bank or contact the Department of the Treasury directly.
Fire and smoke damage can leave money unusable. Fortunately, you can replace marred currency through the appropriate channels, as long as you have the bills or coins to prove the damage.
How To Solve a Noisy Pipe Problem
When your home requires water damage repair and restoration, our crew is here to help! We're standing by 24/7 to respond to your emergency.
How To Deal With A Noisy Pipe
Have you ever wondered why some pipes make a banging or squealing noise when the household faucets are turned on or off? Sometimes the noise only occurs at a single sink, while other times the noise can be heard throughout the house. Occasionally a horrible hammering can be heard in the walls that is loud enough to scare even the household ghosts away! While it can be confusing to understand, the problem of noisy pipes is probably due to air build-up or a narrow obstruction in the water lines, and it is often serious enough to cause a pipe break if not taken care of promptly.
Obstruction in the Lines
Homes built before 1960 typically used galvanized iron plumbing pipes that were sturdy but could easily corrode and break. After many years of use, cracks develop in the pipes from shifting earth or extreme water pressure. With each crack, not only can a pipe burst, but foreign items can also enter the pipe. They may include:
- Pieces of pipe
- Packed dirt
To repair this type of problem, you generally need to fix broken pipe issues in the line. Call in a professional water repair team in Lafayette, CO, to help you ascertain what your pipe break possibilities are.
Air in the Lines
Water coming into your home does so with a great deal of pressure. With that pressure, and amid the churning water, can come bubbles of air. When the air collects into a pocket near the valve, it can sound like the pipe in the wall is going to burst at any moment. Water specialists have an easy solution for what they call “water hammer.” It is a tiny air chamber placed in the water line. This device is considered easy to install near the problem faucet and usually remedies the situation immediately.
Noisy pipes are often not simply a nuisance; they can also be the start of a serious problem. Before you have a pipe break, call in a professional to remedy the situation.
How To Clean Your Home After Water Damage
When your home requires water damage repair and restoration, our crew is here to help! We're standing by 24/7 to respond to your emergency.
After Water Damage, How Do You Clean Your House?
Your home is your castle. Like with all castle moats, however, your home is at its best when water stays outside. If you have flooding due to a broken pipe or something else, you need a plan for dealing with water in the home.
1. Disconnect Electronic Devices
Water and electronic devices don’t mix. To stay safe and preserve your digital equipment, unplug devices in flooded areas. Be careful to take shock precautions whenever you have wet electronic equipment, though.
2. Remove Standing Water
If you have water in the home, you must act quickly. Generally, the longer standing water sticks around, the more damage you can expect it to do. Pumps can help you efficiently drain water. Note, though, that if your flood is in the basement, your sump pump may not have the capacity to remove all standing water. As such, you may need to add an additional pump or two.
3. Dry Wet Areas
Mold can grow in as few as one or two days. If you don’t completely dry wet areas, you may encourage mold to rapidly spread. As you probably know, eliminating mold without specialized equipment and expertise can be difficult. Consider contracting with a mold remediation service to be sure flooded areas are dry and mold-free.
4. Clean Personal Belongings
After you have removed standing water and addressed mold growth, you can turn your attention to cleaning or dry cleaning personal belongings. Unfortunately, not everything you own is likely to survive the flood. If you need to throw away items, be sure you do so responsibly. Ask a mold technician whether your belongings are salvageable to be sure you aren’t keeping something that may harbor mold spores.
No homeowner in Boulder, CO, wants to have to deal with water in the home. Still, floods are more common than you may think. By knowing how to deal with floodwaters, you can best restore your home to its pre-flood condition.
Winter Storms: Preparing Your Business for Snow, Ice and More
While storm damage typically consists of broken windows, roof damage, and flooding, winter weather adds the threat of freezing pipes to the mix.
Winter Storms: How To Prepare Your Business For Snow, Ice, And Other Hazards
Every winter season usually has at least one winter storm that wreaks havoc on the population. Businesses are generally the worst affected because consumers stay home and limit their exposure to the elements. However, beyond business interruption, a storm can also cause significant damage, from frozen and burst pipes to electrical issues. What is a business to do? As a property owner, before this winter season, you should focus on four core areas: preparation, safety, inventory and contacts.
While storm damage typically consists of broken windows, roof damage and flooding, winter weather adds the threat of freezing pipes to the mix. To prepare your building for the impending season, you can check for drafts, cracks and sealant issues. Make sure that weather stripping is in excellent condition, and ensure that your heating and ventilation system is working correctly, pushing heat to all areas of the building.
When it comes to a winter storm, slip and fall injuries are serious risks. Make sure that you have a plan for maintaining safe walkways and parking lots throughout the season. You can hire a plow service or ask your employees to shovel and salt the premises, ensuring both customer and employee safety.
The amount of snowfall and fluctuating temperatures can lead to outside flooding as well as burst pipes. The weight of heavy snows, especially when cycling through the process of melting and refreezing, can lead to significant strain on a roofline. Therefore, you should document your inventory, both on paper and by photograph, to prove assets to your insurer in case a claim is necessary after roof collapse or flooding.
While it is essential to keep all employees in the loop about preparation and potential disaster cleanup efforts, you should compile a list of important operational staff. Additionally, you may want to keep the number of a disaster restoration specialist in the Lafayette, CO, area on hand in case of an emergency.
A winter storm can prove problematic for a business. For this reason, it is vital to prepare and focus on the four key areas above.
Candle Safety Tips for the Holidays
Flameless candles have become very popular. Not only by the risk of candle fire, but the new flameless candles have become more realistic.
Tips for Keeping Candles Safe During the Holidays
The holidays are a time to shine your personal light! While you are sharing love and cheer, keep in mind some important fire safety tips to consider when decorating for the holidays. The National Fire Prevention Association reported that candles were the source of an average of 23 house fires per day during the years from 2012 to 2016, and that most candle fires happen in December. If you could take some small steps to prevent a candle fire in your house, wouldn’t you?
Candle Safety Tips
If you are going to use candles in your home in Louisville, CO, check out these important tips to prevent a fire:
- Blow out your candles instead of letting them burn out on their own.
- De-clutter your candle area, keeping anything that can burn at least one foot away from the flame.
- If anyone uses medical oxygen in the home, don’t use candles at all.
- Children must be supervised at all times when a candle is lit candle. Extinguish the flame before leaving a child unattended.
- Use stable candle holders that won’t tip easily.
- Take care when lighting a candle, making sure that your hair is back and clothing is not in the way.
- Bedrooms are the most common location for candle fires, so blow out your candles before going to bed.
In recent years, flameless candles have become very popular. Not only are people recognizing the risk of candle fire, but the new flameless candles have become even more realistic. Here are some features of modern flameless candles, which are very natural looking:
- Wax construction
- Uneven tops to replicate melt
- Warm, flickering flame-like lights
- Remote controls
- No mess
You know that candles pose some fire risk, but you can reduce your risk this season by staying alert and using proper precautions, or by using flameless candles.
If you have a candle fire, fire damage recovery experts can help you sift through the damage. They are knowledgeable about soot and smoke cleanup, as well as removal and repairs.
Is a Rental Property Owner Responsible for Fire Damage?
A homeowner's insurance policy should cover the cost of cleaning, repairing, or replacing these components after an apartment fire.
Is The Owner Of A Rented Property Liable For Fire Damage?
Owners and tenants may be uncertain about who bears responsibility for damage mitigation and restoration after an apartment fire or a fire at another rental property. Property owners are usually responsible for damage to the property itself, and tenants are responsible for cleaning or replacing their own contents. Find out more about liability for fire damage to rental properties located in Superior, CO.
Landlords are responsible for damage to the property, including:
- Building material
- Structural component
- Electrical and plumbing systems
- Interior materials such as carpet
A homeowner's insurance policy should cover the cost of cleaning, repairing, or replacing these components after an apartment fire. This coverage can offset the cost of professional mitigation and restoration.
Tenants have the responsibility to repair or replace their own property, including:
Landlords may want to recommend that tenants obtain renter's insurance. These affordable policies can help with the costs of content cleaning, restoration, or replacing losses.
As soon as a property owner finds out that a fire has occurred, there are several steps he or she should take:
- Document the damage
- Contact the homeowner's insurance provider
- Schedule an appointment with a claims adjuster
- Proceed with filing a fire damage claim
An adjuster can guide rental property owners through the process of filing a claim. If tenants have renter's insurance, they should also document damage and file a claim through their insurance provider. These claims are entirely separate.
Property owners and tenants both bear some responsibility for cleaning, repairs, and replacing items after an apartment fire or an incident in another type of rental property in Superior, CO. Damage mitigation experts can clean and restore damaged building materials and contents. Homeowner's and renter's policies may be able to cover some or all of the cleanup and restoration costs related to the structure or contents.
4 Common Causes of Noisy Pipes
High water pressure is another potential culprit of noisy pipes.
4 Reasons For Noisy Pipes
No house in Niwot, CO, should have noisy pipes. If you hear unusual noises while running water or immediately after turning a faucet off, you should investigate the situation and promptly address any necessary modifications or repairs. This may help prevent a potentially destructive pipe break.
To begin your inspection, consider the following four common causes of noisy pipes.
1. Loose Mounting Straps
Mounting straps secure your home’s pipes to the frame. Sometimes these straps become loose, allowing the pipes to bang into each other or other structural components. To remedy this situation, inspect all exposed pipes, slide a piece of wood under loose pipes and then tighten straps as necessary.
2. Expanding Pipes
Some houses have copper water pipes. Hot water causes copper to expand. When this happens, your pipes can rub against other structures. Slightly lowering the temperature on your water heater can alleviate this problem.
3. A Water Hammer
A water hammer is a potentially significant problem that can cause a pipe break. When you turn on a faucet, water flows quickly through the pipe. When you turn off the faucet, the water’s path is suddenly blocked. However, because the water continues to have momentum, it may slam into the shut-off valve.
Over time, a water hammer can damage joints and water pipe connections, which may cause a leak or a pipe burst. To correct this problem, you can install water hammer arrestors or spring-loaded shock absorbers.
4. High Water Pressure
High water pressure is another potential culprit of noisy pipes. Elevated pressure can cause dramatic pipe vibrations. High water pressure can also damage washing machines and dish washers. If you have concerns about water pressure, a licensed plumber can help you assess the situation and install a water pressure regulator, if your home is not equipped with this device.
A pipe break is an unpleasant experience that requires homeowners to quickly fix the broken pipe and promptly initiate cleanup and restoration efforts. Noisy pipes can alert you to a potentially destructive situation. For this reason, you should never ignore noises in your home’s plumbing system.
Tips for Commercial Storm Preparation
If your business suffers any storm damage, SERVPRO is ready to respond. We have our experts on hand for any emergency service that may arise.
Commercial Storm Preparation Tips
Most people have heard some variation of the saying, “Hope for the best, but prepare for the worst.” In Superior, CO, many business owners live by this creed. This is especially true when it comes to severe weather. Natural disasters such as hurricanes and thunderstorms can result in a significant amount of floodwater in your commercial property. Prepare for a flooded building before it happens with the tips below.
What To Do Before a Storm
During storm season, ready yourself for the possibility of a negative weather event. Take the following steps now to minimize impact and loss from water damage.
• Review your commercial insurance policy. If you have any questions, contact your agent. Flooding is not always covered under a general policy and may require supplemental coverage. You may also wish to consider business interruption insurance to keep your company in the black during the restoration process.
• Back up all important data and store documents in a safe place. In a flooded building, computers may be ruined and files may be soaked. Keep backup data for taxes, finances, employees, inventory and customers off site or in the Cloud.
What To Do After a Storm
Timing is everything. Researching water damage solutions as you stand in floodwater is an example of bad timing. When you plan ahead for dealing with the aftermath, recovery can be quicker and less stressful.
• The most critical component of recovery is the ability to act fast. It’s smart to contact your insurance agent and a storm restoration company as soon as possible after damage occurs.
• Prior to a weather emergency, research reputable restoration companies in your area. Have a copy of your insurance policy and the restoration specialist’s number in an alternate location in case your property is not accessible.
Although most people don’t expect to become victims of severe weather, floodwater in Superior, CO, is possible. Be prepared ahead of time to protect your investment and increase the chance of a smoother recovery.
The Wet Side of Residential Fires
If fire damage occurs in your home, you can call SERVPRO, we can remediate the effects and restore your home in the pre-fire conditions efficiently.
Fires in the Home: The Wet Side
Nobody wants to watch a home go up in flames. Unfortunately, for even Lafayette, CO, homeowners with a prevention strategy, house fires sometimes occur. When you think about fire damage, you probably focus on both smoke and flame damage. You may not, however, consider the water damage that accompanies most residential fires.
Extinguishing House Fires
Often, when a residential fire breaks out, firefighters use expertise and equipment to battle it. For most fires, firefighters take the following steps:
- Ensure the house is vacant
- Locate the source of the fire
- Use water and chemicals to extinguish blazes
- Monitor the home to ensure the fire does not reignite
Dowsing Residential Blazes
After firefighters locate the source of a residential fire, they routinely use water to extinguish the blaze. Depending on water pressure, a fire hose can pump more than 100 gallons of water per minute onto a house fire. If a blaze is large, firefighters may use many hoses when battling a fire. While some of the water turns into steam and evaporates, much of it remains inside the home. As a result, following a fire, homeowners routinely have to address both water damage and fire damage.
Measuring Water Damage
Water has a way of working itself into both large and small spaces. When firefighters pump water onto a blaze, it often ends up on all levels of a home. Further, if pipes break during the blaze, additional water can enter the house. When measuring the damage caused by water, inspectors must examine all parts of the dwelling. Even if the fire resulted in minor fire and smoke damage, the effects of water can be considerable.
When homes are salvageable after a fire, restoration specialists work to remediate the effects of both water and fire damage. By understanding the extent of damage from house fires, you can better plan for preventing them.