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.
Saturday, September 29, 2007
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.
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.
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.
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