Water Damage and Insurance

Water Damage and Insurance

By Michael Panster

There is much confusion as to what kinds of water damage is covered by an insurance policy for homeowners. With a lot of mold claims being rejected, owners of homes have many questions in regards to their homes experiencing water damage.

Examples Of Water Damage Type Your Insurance Could Cover
Insurance policies for homeowners won’t cover damages due to a flood, however depending on the kind of policy you have, it could cover a lot of other types of water damage. Open perils, for example, usually pay for damage from rain entering through a hole in your roof or a window that is broken by powerful storm winds. If you have a pipe leaking which is hidden on the other hand, and water damage happens over time, it might not be covered due to negligence in regular home maintenance. It comes down to whether or not the water damage was made by a peril that is covered like a storm. If the damage happens because you haven’t kept your home repaired and maintained, then your insurance will not cover it. If you are not sure what water damage is covered, look over your home insurance policy and check with your insurance company now before you experience any damage.waterdamage

Cleaning Up Water Damage To Avoid Mold
No matter how the water damage happened, you need to take the same necessary steps to fix it. Do not ignore indications of a water problem in your home which is obvious. You immediately should try to find and stop any leaks at their source. When you have water leaking into your property, moisture can build up, letting mold grow. Mold can cause your property to be damaged further, and can potentially cause health problems. Many insurance companies are restricting mold damage. However, some damage from mold might be covered if it resulted from a peril that is covered. You need to report any water damage immediate to your insurance agent.

When Water Damage Is Caused By A Storm
When sudden water damage happens to your property, like with a storm, it is important to contact professionals right away so they can begin to dry out all the wet areas and get the air circulating in your home. They can also cover any dry areas to stop more water damage. Drying, covering and dehumidifying the wet areas can help to lower the possibility of mold growth as well. Always keep in contact with your insurance agent and get your claims process started right away.

Gradual Water Damage
When you find water damage that has been caused by a leak over a period of time, it is unfortunate that mold might have already started to grow. Trying to clean up the mold yourself can cause it to spread and cause greater problems such as health problems. It can be quite dangerous, so you should leave the professional mold remediation company as soon as you find the mold. You can also call your insurance representative to see if any of the damage will be covered.


Related Articles

Water Damage Restoration Service In Ft. Lauderdale

Facts About Mold Remediation in Ft. Lauderdale and When to Call a Professional

Water damage Fort Lauderdale
Fire damage Fort Lauderdale
Mold damage Fort Lauderdale
flood damage Fort Lauderdale


Preparing For A Hurricane: A Brief Overview

Preparing For A Hurricane: A Brief Overview

By Michael Panster

One of the most challenging natural disasters to grapple with is a hurricane. Hurricanes can lead to substantive water damage in your home, and they can also induce anxiety as you attempt to make preparations with your insurance company and a restoration business. To ensure that your level of stress and anxiety is limited or eliminated entirely, it is important to know what steps to follow so that you can be prepared for a hurricane and limit its adverse effects on your property. Here are several success strategies you should implement:

Making Your Evacuation Plan
1. Be sure that you plan your evacuation route in advance. This means that you should pack snacks and water for the trip and fill your vehicle’s tank with gas.

2. Decide where you’re going to stay. Some of the typical options include staying with family and friends, in a hotel, or in a public shelter.

3. Organize a disaster supplies kit with items like food, water, medications, and significant documents.

4. Make plans in advance for individuals who have special health needs.

Securing Your Property Before Evacuation
Before you leave the premises, you need to make sure that your property is secure. Make it happen by implementing the following steps:

1. Make sure your insurance plan is updated and in order. Keep a copy of the document in a secure place.

2. Remove any tree limbs that may have dropped on your property.

3. If you reside in a mobile home, use tie-downs to secure it.

4. Board up your doors and windows.

5. Move potted plants, barbecue grills, and patio furniture indoors.

6. Heed the instructions of local officials regarding whether you should turn off electricity and gas before departing.

How To Avoid Injuries When You Return Home
1. Be cautious when entering a damaged property.

2. Be aware of unstable trees and their limbs.

3. Do not touch downed power lines. They are an electrocution hazard.

4. Contact your gas company if you smell gas. Do not light any candles near a gas leak.

5. Wear long sleeve shirts, long pants, gloves, and sturdy boots when cleaning.

6. Prevent injuries from power tools by following safety procedures and ensuring that you know how to use them properly.

7. Use lanterns and flashlights powered by batteries rather than candles.

Although hurricanes can have an adverse impact on your property, being prepared for the natural disaster can help limit its effects. In the event that your home is subjected to a hurricane, it’s important that you know who to call for restoration assistance. They possess vast knowledge and experience in the natural disaster remediation sector, and we can help restore your property with unprecedented excellence and expediency.



How To Dry Cabinets After Water Damage

How To Dry Cabinets After Water Damage

By Michael Panster

Water from floods, plumbing issues, or appliance problems can cause damage to cabinetry. The key is to get the cabinets dried out quickly to avoid serious Fort Lauderdale water damage. In order to do this you need to evaluate the situation. Because wood naturally absorbs water, most cabinet pieces are protected with a varnish or sealant. Check to see if these protectants are holding up. The longer they are exposed to moisture, the weaker they become. The key to saving your cabinets is to dry out the wood as quickly as possible. As long as the wood has not swelled or cracked, you should be able to save them.

The key is to get the cabinets dried out quickly to avoid serious water damage.
The key is to get the cabinets dried out quickly to avoid serious water damage.

Step One
Disassemble as much of the cabinets as possible. Remove anything that isn’t attached to the floor or walls. Take off the toe kick found at the bottom of the cabinets. Remove all doors and drawers. Set these pieces aside in a dry area. Drill holes in the wood found under the toe kick to help speed drying time to enclosed areas.

Step Two
Take Advantage of air circulation. You’ll want as many sources of ventilation as possible. Open windows and doors. You can buy or rent high powered fans. These will speed up the circulation of air around the cabinets. Avoid using AC or furnace blowers, especially if these have also been water damaged.

Step Three
Get rid of any other sources of moisture in the room. Water logged carpeting or furniture will keep the humidity levels high. Take these items out. Remove any standing water with a wet vac. The less moisture surrounding your cabinets, the quicker they will dry out.

Step Four
Run a de-humidifier in the area. These machines remove moisture from the air in order to dry the room’s environment. They can speed up the drying process. When using the de-humidifier, close the windows and doors, especially if the outdoor humidity is high. You can place desiccants such as clay, silica gel, or calcium oxide in the cabinets as they will absorb moisture.

If the drying job is too large for you to handle yourself, contact a professional water removal company. These experts have the knowledge and tools to tackle any form of water damage. They will also check for mold and mildew which can become a health hazard. Contact your home owner’s insurance to see what services are covered.

HVAC Systems And Mold

HVAC Systems And Mold

By Michael Panster

What Is Mold?

Mold is a type of fungus that grows in dark, warm and moist places. Your HVAC system offers the perfect environment for mold and mildew to grow. It can be found anywhere in your home where moisture accumulates. When there is a large amount of mold, it appears black in color. However, can also be blue or green. Mold cannot grow without water. The temperature must also be between 40 degrees and 100 degrees Fahrenheit. Mold feeds off of dead organic materials such as drywall and cellulose.

The best way to check for mold is to have your HVAC system inspected by a qualified technician. Mold can spread throughout your HVAC system and enter rooms through the duct system. This can also affect your indoor air quality. Over 50 million people in the United States suffer from a variety of allergies. If you or your family members are allergies sufferers, then you need your system cleaned and disinfected. The health effects of mold in your home can include respiratory infections. Experts are not sure how much mold it takes to affect your health.

Preventing Mold

Mold is a type of fungus that grows in dark, warm and moist places.
Mold is a type of fungus that grows in dark, warm and moist places.

The best way to prevent mold from growing inside your home is to keep moist areas dry. Reduce the moisture levels inside your home by keeping the humidity below 60 percent. Do not use humidifiers since they add lots of moisture to the air. Stay on top of home maintenance such as checking the roof, basement walls, windows and plumbing pipes for leaks. If you suspect that mold is growing inside your home, contact a professional contractor for help.

Keep a variety of houseplants inside your home to improve the air quality. Experts say that the indoor air quality inside most homes is up to five times more polluted than outdoor air. Have your HVAC system cleaned on a regular basis. If you have pets, then bathe and brush them regularly. Don’t let smokers smoke inside your home. Turn on the exhaust fan while cooking in the kitchen. Open the windows whenever the weather is nice to let fresh air inside. 

Carpeting and drapes are a good source for pollutants to hide. Vacuum your carpets and drapes on a regular basis. Blinds will attract less dust than heavy draperies. An air purifier can improve the indoor air quality. Replace air filters from your heating and air conditioning unit at least once each month. This will reduce the amount of contaminants found in the air.



Water Damage Prevention

Water Damage Prevention

By Michael Panster

Water damage can be one of the most destructive types of damage to your home and property. This type of damage can occur not only from flooding, but from many other causes as well. Leaky pipes, defective appliances or plumbing problems are just a few of the issues that can result in devastating water damage. Let’s look at some of the most effective ways to prevent water damage in your home.

Most Important Tips to Keep in Mind

  • Make sure you know how to shut off the water in your home. If you don’t know where the main water shutoff is located, you should find out as soon as possible. Installing water shutoff valves in places such as toilets and sinks will allow you to quickly turn off the water in case of an emergency.
  • Always be mindful when there is water running in the house. One preventable cause of flooding is people forgetting that water in the sink or bathtub is running. Never leave the house, or even the room, when water is running.
  • Purchase a water detector for your home. This is a device that will set off an alarm when a leak is detected. Just as you should have a smoke alarm in your home to warn you of fire, it’s a good idea to be warned in case of leaks.
  • Be on the lookout for leaks. If you notice any pipes leaking, inside or outside, make sure you get them repaired as soon as possible. Also look for other evidence of leaks, such as dark stains on the ceiling. Make sure your roof is in good condition and replace any damaged shingles.

Keeping Your Appliances Working Properly 
Appliances such as washing machines can be a source of water damage. A leaky hose in a washer, for example, can quickly create a water emergency that results in serious damage. Water heaters that are leaky or rusty are another common cause of water damage. Keep in mind that water heaters need to be drained regularly to prevent sediment from accumulating in the tank.

Water damage can be one of the most destructive types of damage to your home and property.
Water damage can be one of the most destructive types of damage to your home and property.

Inspect your water heater, washing machine, refrigerator and other appliances on a regular basis. Very often, a leaky appliance can be repaired simply by replacing a hose. This is something you can either do yourself or hire a service contractor to do. When you purchase major appliances, you may want to extend the service warranty when it runs out. That way you can get any repairs done without paying a high fee.

Maintain Good Drainage
Improper drainage can cause serious water damage if the problem is not addressed. Poor drainage weakens your home’s foundation over time. A simple way to prevent this from happening is to clean your gutters regularly. You should also be aware of the slope of your property. If your property is sloped in such a way that water runs towards your house, you should take steps to remedy this. You can create a barrier, such as concrete, to prevent water from accumulating. You may also have to change your soil grade to redirect water flow away from your house.

Water Damage is Preventable
These tips can help you prevent costly and dangerous water damage. Most water damage can be avoided if you are vigilant. It’s better to spend a little extra time and money to keep your home and appliances in good working order than to risk having your home damaged by water.

Signs of Water Damage in Kitchens and Bathrooms

Signs of Water Damage in Kitchens and Bathrooms

By Michael Panster

 The common places for this to occur are, not surprisingly, in the rooms where there is the most plumbing: the kitchen and the bathroom. It is important to inspect your home to look for signs of leaks. Here are a warning signs to look out for.

1. An increase in water bill. Often a change in water bill can be seen long before a water damage problem appears. If your bill increases for no reason, it is time to look for a cause.

2. Damp or moldy smells. Water-logged materials smell differently than dry ones. If you notice a wet smell, see if you can identify where it is coming from.

3. Discoloration on walls or floor. Water damage will often leave a ring or other stain on woodwork. If you see this appear, you need to find out where the water is coming from.

Water damage is very common but always a stressful experience for homeowners.
Water damage is very common but always a stressful experience for homeowners.

4. Warped wood. If your floor no longer is completely level or your cabinets are slightly warped, this damage is likely from water or dampness.

5. Changes in paint appearance or texture. Although you may not notice a wet spot, there often will be changes in the paint near leaking water lines. If you see lines, rippling, or other changes in the appearance or texture of your paint, have the lines behind the wall checked for leaks.

While a water damage problem is most likely to occur in the kitchen or the bathroom, this can be prevented. Take note of small signs like these and prevent expensive damage before it even occurs. If your home has had water damage, call a professional restoration service immediately. It is important to stop the leak and remove the moisture as quickly as possible, for the health and safety of the people in your home.