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.


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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.

How to Select a Mold Remediation Contractor

How to Select a Mold Remediation Contractor

By Michael Panster

If your home has mold, it can be a scary prospective to try to get rid of it. Mold remediation is vital to living in a safe and comfortable home. The truth of the matter is that mold can cause a variety of respiratory and health-related issues, making it an incredibly dangerous thing to be living around or having your loved ones living around. Hiring a mold remediation contractor is vital to getting rid of this problem in a completely professional manner. You should never attempt to get rid of the mold on your own because you may not necessarily know what you’re dealing with or how to properly get rid of it.

One of the most important things when you're searching for mold damage contractors is to see if they have licenses and insurance.
One of the most important things when you’re searching for mold damage contractors is to see if they have licenses and insurance.

One of the most important things when you’re searching for mold damage contractors is to see if they have licenses and insurance. The contractor needs to be fully insured so that both them and you are protected fully when they are on the job. The problem with mold and getting rid of it is that it can be downright dangerous. You do not want to take the chance of hiring someone who has no insurance, gets sick from cleaning the mold and then tries to sue you for money. The contractor needs to have full insurance on themselves before they should attempt to work on any project.

You also want to make sure that the mold damage contractor is licensed and has had a lot of experience working with and cleaning mold. This is relatively easy for you to find out, since all you have to do is ask the contractor about their licenses and to get information on their license number. You should also ask the contractor about their past project log and to give you at least five different referrals to past jobs that they have done for other people. It is then up to you to contact these past clients to see what the work was like and what they thought of the contractor after they had been hired.

When you hire the right type of mold damage professional to remedy your mold problem for you, you’re doing something that will benefit your entire home and all of your family. You shouldn’t attempt to clean the mold on your own because it can be downright dangerous and you may not even get rid of all of the problem for you. This is why hiring the right type of contractor is your best bet, and diligent research should be done in your area to find someone who is qualified and licensed to do the job. Someone who has a lot of experience, licenses and insurance would be the ideal person for you to hire for this specific type of project. This is why you should take the time to look for a professional who can remedy the mold and get your home’s water damage cleared up when it is most convenient for you.