Saturday, September 29, 2007

Water Damage and Your Homeowner’s Insurance

Not surprisingly, water damage is one of the most frequent causes of home insurance claims. Not many people like having to discover what is and what isn’t covered by their home insurance policy, but that’s often the way that it goes. A pipe bursts in the basement or an appliance such as a clothes washer or dishwasher begins to leak all over the floor while you’re gone on vacation and all of a sudden you find yourself wondering if you’re covered.

For example, if a pipe were to burst in the home due to a drop in temperature and you had left the home vacant and without the heat necessary to keep the pipes from bursting, you might not be covered. They could possibly deny you due to the fact that you did not take the necessary action that would have prevented the event.

If your bathtub overflows, you should be covered, even if it’s just because you were on the phone or tending to another matter in the house and simply forgot to turn off the water.

In most cases if a major household appliance such as a washer or a dishwasher suddenly malfunctions and water spews all over the floor and causes damage, you are covered by your homeowner’s insurance. You’ll have to pay for the cost of fixing the washing machine or dishwasher yourself, but any damage caused by the water itself should be paid for by your policy.

If the cause of the damage is heavy rain and the water leaks through the roof or floods into the basement and the house itself and items inside it are damaged, you should be covered for the cost of the water damage to the interior of your home. The damage to the belongings inside your home is probably not covered, however; if the roof leak was caused by a tree limb falling on the house, then the damage to your furniture, roof, and interior should be covered to a reasonable extent.

One of the major causes of water damage to homes, however, is usually not covered. This is a flood. Unless you have an insurance policy that specifically identifies a flood as a source of damage to the home, you aren’t covered. Flood insurance needs to be purchased from the federal government and your local community should be able to give you information as to whether or not they participate in the National Flood Insurance Program.


Jim Corkern is a writer and promoter of quality
Orlando water damage restoration companies and
Water Damage Restoration companies across the united states.

Things You Should Know About Mold

Here is a list of some of the things that you should know about mold, whether you’re a tenant, a landlord, or a homeowner.

1. If you’re renting a property and it has mold when you move in, it’s your responsibility to report if to the property owner and it’s their responsibility to remove it if you intend to keep living there. You are not responsible for this expense if you are merely renting.

2. You can’t get rid of all of the mold in your home. Mold spores are a constant presence and while many are dangerous, some common types of mold are not.

3. Mold isn’t always visible to the naked eye. It grows not only where you can see it, but in places where you can’t like underneath wallpaper, behind walls, underneath your carpet, basements, air conditioners, and any other area in your home that is warm and moist.

4. Some of the most frequent culprits of letting mold into your house are structure flaws. The ground surrounding your home should slope away from your home’s foundation to avoid letting moisture and standing water into the house, especially if you have a basement.

5. While mold spores are indeed everywhere we go, higher concentrations of them can lead to health complications. High concentrations of these spores in homes and businesses are what cause most problems as opposed to control tests done outdoors.

6. Professional laboratory testing is required to discover just what kind of mold you have living in your home. No matter what kind of mold you might think you’re dealing with, it could probably just as easily be another variety.

7. Removing mold in your home can be a do-it-yourself project if the problem is not too severe. Most people think that they should call a professional to remove even the smallest infestation, but this is not true. If you’re on a budget and you know how to do it safely, removal of small mold colonies can be easy and wallet-friendly.

8. Most mold doesn’t need a steady supply of standing water to grow. In fact, most molds don’t require more than the amount of condensation that forms on the outside of your glass when you’re having a cold drink after work, if that much. The tiny water droplets that form inside your bathroom after a shower and stick to your wall are usually enough to nurse mold spores to life.


Jim Corkern is a writer and promoter of quality
Miami water damage restoration companies and
mold remediation companies across the united states.

Things to Know About Water Damaged Vehicles

You might not know it, but if a vehicle is caught in a flood and is partially or even entirely submerged, it isn’t always taken off to the junk yard for scrap. Many times these card are sold through salvage auctions, taken to far off locations, and cleaned up for re-sale. It’s not often the case that these cars that are being re-sold are identified as having been flooded before.

There are a lot of things you should know about water damaged vehicles. Any vehicle that has sustained water damaged is susceptible to mold growth in the vehicle’s interior, especially if the vehicle was allowed to sit untreated in warm temperatures and dry naturally. If the doors to the car or truck have been left shut and it’s been let to try naturally, the musty odor inside will be very prevalent and you won’t have to have any kind of training to detect it. Some dishonest car dealers (or private owners trying to get rid of the car) will try to mask the smell of the water damage with all manner of air fresheners and if you smell anything pleasant while looking inside a car that obviously isn’t brand new, you should probably walk away because they’re hiding something.

Look for any kind of rust in the interior of the car and the trunk, especially near the taillights and check the carpeting for signs of damage. Carpet that has soaked up water and hasn’t been properly treated will most likely stink, especially if it’s been submerged in the sewer water that’s often brought to the surface by flooding.

You might think that if the water dries out, the engine of the vehicle will be just fine, but this probably isn’t the case if it hasn’t been restored by a professional. Sewage, sand, and other debris could have seeped into it and cause misfirings and blown gaskets.

Water damaged vehicles can also suffer electrical problems, especially in newer models where most things are monitored electrically like timing on headlights, the radio, when the oil needs to be changed, and all the way down to how many miles are on the car.

Unless the carpet and its padding were removed and the interior cleaned by a professional and the car was submerged in sewer water, high levels of bacteria and mold are very possible, too.

Paying for a vehicle history from Carfax.com could be beneficial if you get the car’s VIN, but please be aware that the car will only show up as having been flood damaged if an insurance agent has looked at the car and it was recorded. If the vehicle history report doesn’t show it was flooded, but it appears to be water damaged, back away. You’re likely to find a better deal somewhere else.

Jim Corkern is a writer and promoter of
Texas Water Damage Restoration and
Houston Water Damage Restoration Which are Certified IICRC Water damage and mold remediation contractors.

Step Two of Drying Out Water Damaged Properties

The second half of the drying process of water damaged homes or buildings should begin by removing any water damaged items from the home like furniture, paintings, photographs, and etcetera and allowing them to dry out outside the home. Squeeze as much water as possible out of couch cushions and try to leave them outside in the sun for as little time as possible, because sun damage can also occur if they’re left exposed for too long.

If the floors of your home are covered in mud or silt, washing them with clean water is usually the only solution. Don’t rush the drying of the floors or what is called warping or buckling and if you can, remove any insulation from under the floor to allow air to circulate. Rapid drying of hardwood floors by using heating, air conditioning, or other forced air to help dry the floors can cause cupping. Completely drying them naturally can take weeks or months.

Any electrical components in the house, like AC outlets, should be replaced if the water level was high enough to damage them. Again, make sure there is no electricity running to that area of your building or even to the entire building itself. When dealing with flooded properties, the possibility of electrocution is great.

Don’t be so quick to remove all the water in your basement. The walls of the basement could collapse due to the ground outside that is still saturated with water and the water still standing in your basement could be the only thing stopping this. After the water around the house has drained away, pump out two or three feet, mark the water level, and wait until the next day. If the water level in the basement rises, don’t continue pumping out the water.

In most cases, washing wet mud away from objects with clean water before drying them is a good idea. Unless it’s an antique item of special significance, this is generally the way to go. If it does fall into the category of antique or historic, consult a specialist as quickly as possible.

Air circulation through the building is essential to drying it out entirely. Heaters should not be used and air conditioners should be used sparingly, if at all. Forcing the building to dry unnaturally can possibly cause even more damage.


Jim Corkern is a writer and promoter of
Texas Water Damage Restoration and
Houston Water Damage Restoration Which are Certified IICRC Water damage and mold remediation contractors.

Saturday, September 8, 2007

Dangerous Mold in the Desert

It might not have occurred to you, but mold can exist even in some of the hottest climates, such as parts of the southwestern United States. Just because this mold can exist there, however, does not mean that it is not a danger to human beings. People who live in the deserts of the southwestern U.S. might not think that they are in any danger from mold due to the high temperatures and lack of rain, but the fact is that these areas are in just as much danger of mold and water damage as areas that get more rain and have more life-friendly temperatures.

Coccidioides simmitis is a dangerous mold that lives in the western deserts of the United States and causes what has become known as “Valley Fever”. This is a skin disease that can lead to death if it is left untreated for long enough and while this mold is located in the deserts of the southwestern United States and even Mexico, it is oddly absent from the deserts of other continents such as Asia, Africa, and Australia.

The reason that mold damage can be a huge problem in areas of desert such as those of Arizona and New Mexico is that residents sometimes use “swamp heaters” to cool down their homes and offices during the most hot and dry parts of the year. Unfortunately, the downside to these will cause the indoor humidity to skyrocket and condensation ends up building on windows and any other cold surface. Leaks can also occur where water pipes flow upward to the coolers on the rooftops and this can cause water damage to attics, ceilings, and walls.

Water and air conditioning are very important in desert climates and so the possibility of air conditioning condensation leakage and plumbing leaks is pretty high. Air conditioners and fans are used almost constantly and in some places, hot water heaters are not needed during the majority of the year because the water is hot when it comes out of the faucet.

Most of the mold insurance claims in the deserts of the United States are caused by water damage, even though most people think that desert climates do not have enough moisture to cause mold to become an issue. With the presence of the mold that causes Valley Fever in the southwestern United States, if you live in a desert area, you should be extremely careful to make sure that water leaks in your home or business are taken care of very quickly and efficiently.



Jim Corkern is a writer and promoter of quality
Orlando water damage restoration companies and
Water Damage Restoration companies across the united states.

Your Laptop Hates Water

To anyone who owns a laptop, getting a soft drink or a glass of water anywhere near it is probably taboo, but if you are like me, then you probably keep something to drink near by at all times. You’d rather “risk it” than go thirsty, but this does not always have to be the case. While getting your laptop wet in any way can seriously damage it, there are ways to save it if you do happen to spill your drink or anything else onto the keyboard and subsequently, onto the hard drive, and etcetera. Unlike a desktop computer, the keyboard of a laptop is obviously located on top of the most important components of your computer: hard drive, memory, CD-ROM, and etcetera. Without these, your computer will not function.

The problem when you spill something onto your laptop is not with the actual liquid that you spill on it, although things that become sticky after they dry like soda or tea can be a hassle to clean up. The problem lies with the electricity that is running through your laptop at the time you spill the liquid onto it. It usually takes a few seconds for the liquid to get down into the electrical components of the laptop, so the first thing that you need to do if you spill something on your computer is to unplug it and take out the battery IMMEDIATELY. You must remove the electrical current from the laptop as quickly as possible in order to be able to save it.

After you remove the electrical current, the next thing that you have to do is to turn the machine upside down completely in order to keep the liquid from getting further into the shell of the laptop. This will keep it from coming into contact with your hard drive, memory, motherboard, and etcetera. You should allow the least amount of this liquid that comes into contact with those important components as possible, especially if it is an acidic liquid such as soda.

After you have drained as much of the liquid as possible out of it, collect some paper towels or just a normal towel and clean up any of the liquid from the outside of the machine.

At this point, depending on if you got the electricity removed from the unit in time, you could take it to a professional repairman or continue to repair the laptop yourself. The extent of the “repair” could be just allowing the unit to completely dry out or it could involve removing components and cleaning the sticky soda residue from them. Attempting to repair it yourself could possibly void your warranty for future damages, but a professional could be expensive.


Jim Corkern is a writer and promoter of quality
Texas Water Damage Restoration companies and
Dallas Residential Water Damage Restoration Contractors

Your Laptop Hates Water

To anyone who owns a laptop, getting a soft drink or a glass of water anywhere near it is probably taboo, but if you are like me, then you probably keep something to drink near by at all times. You’d rather “risk it” than go thirsty, but this does not always have to be the case. While getting your laptop wet in any way can seriously damage it, there are ways to save it if you do happen to spill your drink or anything else onto the keyboard and subsequently, onto the hard drive, and etcetera. Unlike a desktop computer, the keyboard of a laptop is obviously located on top of the most important components of your computer: hard drive, memory, CD-ROM, and etcetera. Without these, your computer will not function.

The problem when you spill something onto your laptop is not with the actual liquid that you spill on it, although things that become sticky after they dry like soda or tea can be a hassle to clean up. The problem lies with the electricity that is running through your laptop at the time you spill the liquid onto it. It usually takes a few seconds for the liquid to get down into the electrical components of the laptop, so the first thing that you need to do if you spill something on your computer is to unplug it and take out the battery IMMEDIATELY. You must remove the electrical current from the laptop as quickly as possible in order to be able to save it.

After you remove the electrical current, the next thing that you have to do is to turn the machine upside down completely in order to keep the liquid from getting further into the shell of the laptop. This will keep it from coming into contact with your hard drive, memory, motherboard, and etcetera. You should allow the least amount of this liquid that comes into contact with those important components as possible, especially if it is an acidic liquid such as soda.

After you have drained as much of the liquid as possible out of it, collect some paper towels or just a normal towel and clean up any of the liquid from the outside of the machine.

At this point, depending on if you got the electricity removed from the unit in time, you could take it to a professional repairman or continue to repair the laptop yourself. The extent of the “repair” could be just allowing the unit to completely dry out or it could involve removing components and cleaning the sticky soda residue from them. Attempting to repair it yourself could possibly void your warranty for future damages, but a professional could be expensive.

Your Laptop and Water Damage

Putting a laptop and a soft drink onto the same surface is almost taboo to most people who own a laptop computer, even though most people who are at their computers or laptops for several hours a day will tell you that it is quite difficult to put in a full day’s work at the computer and not eat and drink almost at the same time. I keep a drink near me at all times and fortunately I have never spilled anything onto my beloved laptop, but there are many incidents where others have. Those who have only just purchased their first laptop will probably not know how to deal with water (or liquid) damage like this. There is a way to handle this situation and possibly save your machine, however.

Most water damage that is done to your laptop is usually caused by acidic beverages like soda or coffee, because they leave a sticky residue on anything they are spilled on. They also tend to cause corrosion on any metal contacts that they might touch on the motherboard, hard drive, and etcetera.

If you do spill something on your laptop, remove the power source as quickly as possible. This includes the A/C adapter and the battery, as well, because it is not the liquid alone that causes the problem. If a laptop or other electronic device has no electricity running through it when the liquid is spilled, it will likely be fine if you dry it out as soon as possible. However, an electric current running through a wet device is what causes the circuits to essentially fry and all software programming to be removed. Let a device such as a CD player that has become submerged in water dry out completely before you attempt to power it on. Remove the batteries until you are sure. This same principle can be applied to a wet laptop.

If you have merely spilled water onto it, then you might not have a big problem on your hands as long as you removed the electrical current from the device before the water sank deep into the device. If you have spilled soda or coffee into the device, then it will leave a sticky residue on the inside of your laptop.

After removing the electrical current, turn it over and allow the excess liquid to drain out. After you to this, wipe the outside with a cloth of some kind.

After this, you can take the machine to a professional repairman to make sure the inside is undamaged or if you have only spilled water into it, you can wait until it is completely dry. If you are absolutely sure that the inside components were not damaged by the electric current, turn it back on after you are sure the inside is dry.


Jim Corkern is a writer and promoter of quality
Orlando water damage restoration companies and
Water Damage Restoration companies across the united states.

What You Should Know About Stachybotrys Mold

Most of us have heard the term “toxic black mold” on the news or other television program, but what exactly does this mean? Well, the famous mold that is usually referred to as “toxic black mold” the most often is Stachybotrys chartarum and some people who are familiar with it, particularly mycobiologists, tend to refer to it as simply “stachy”. The media has had a fair field day with this kind of mold the past few years and it has been one of the reasons for the renewed concern for mold dangers in the civilized world. Some people may not realize that mold growing in your home or your business can be quite devastating to your health, especially if you are exposed to this for a long period of time.

This kind of mold is a very dark green color and it is also fairly slimy. Whatever you do, do not touch this mold with your bare hands or get it on your skin anywhere. If you are planning on removing it from your home, it is highly suggested that you hire a professional with the correct equipment because this mold is called “toxic” for a reason. It has been linked to sicknesses that have a similar effect on a person’s mind that Alzheimer’s Disease has and it has also been proven to kill a person’s brain cells. Dizziness and disorientation are also not uncommon in those who have been exposed for long periods of time.

Stachybotrys mold typically likes to grow on things made of cellulose, that is, dead plant materials. This can include the wood that you built your home with, papers, cardboard, and etcetera that has been piled together in an area, allowed to become significantly wet, and allowed to stay that way. This essentially opens up a mold nursery in your home and even though Stachybotrys does not require constant moisture in order to remain alive, it does like plenty of it. So, if you have any leaks in your basement or anywhere else in your home that stays wet almost constantly, you need to do anything necessary in order to stop this leakage. Because of the wetness of the Stachybotrys spores, they do not stir up and into the air that we breathe very easily; however, if this mold is let to dry out, these spores will enter the air and possibly our ventilation systems. Mold does not have to be alive in order to cause an allergic reaction to it.


Jim Corkern is a writer and promoter of quality
Miami water damage restoration companies and
mold remediation companies across the united states.