How To Determine if Your Flooded Basement Is Covered by Insurance
Flooded basement in Palmer Lake, CO.
What Is and What Is Not Covered?
Water can do great damage to your home, including the loss of personal items, and may uncover previously unknown structural issues or deterioration. Even with prompt removal of the water, your home may incur costly damage. Will your insurance company be there in the event of a basement flood? There are several factors that determine what is and what is not covered.
1. Where did the water come from? Most homeowner's policies typically cover damage from water that originates from the top down, such as rain or melting ice. If the water comes from the bottom, such as from the overflow of a nearby river, you will likely need specific flood insurance.
2. How fast did the flooding or water damage occur? A poorly maintained faucet or toilet that slowly leaked, for example, would not qualify for insurance coverage. However, if a pipe suddenly bursts and leaves your basement flooded, this is likely to fall within your coverage limitations.
3. What type of policy or policies do you have? A basic homeowner's policy with dwelling coverage will extend to water damage as described above to your flooring, drywall, and many other structures in your home. Furniture, appliances, and other personal items will probably not be covered. Personal property insurance is likely to cover items beyond your home’s structural elements in the event that your basement becomes flooded.
4. What else do you need to remember? All insurance policies have deductibles and coverage limitations. Read the fine print and consult your insurance company to be sure your situation in Palmer Lake, CO, will be covered.
If the worst happens to your basement, be sure to consult a professional to minimize damage, regardless of the cause or your insurance coverage. Dealing with a basement flood is no picnic, but with proper cleanup and drying, damages can be reduced to limit your out-of-pocket costs and to preserve the structure and aesthetics of your home.
3 Tips for Eliminating Fire Hazards in Your Kitchen
Fire damage in Gleneagle, CO kitchen.
How Can We Prevent Fire Hazards At Home?
Your kitchen is where you gather with your family and friends to bond at the end of the day. However, according to the American Red Cross, it’s also the space in your home that’s the most likely to see a house fire start. Every year, national fire departments report
• An average of 162,400 house fires resulting from improper cooking practices
• $1.1 billion in property damage from kitchen fires
• 430 residential fire deaths from fires started in the kitchen
By cooking smart and following a few key tips in the kitchen, you can prevent your home from becoming one of those in Gleneagle, CO, affected by a grease fire this year.
1. Don’t Leave Cooking Unsupervised
One of the most crucial tips for avoiding fire damage in your kitchen is to never leave food on the stove if you’re not around to keep an eye on it. Whether you’re leaving the room for a few minutes or you’re heading out for errands, turn off the heat and remove your food from the stove.
2. Use a Timer
If you’ve got something that needs to be cooked on the stove over a long period of time, set a timer to remind yourself to check on your food regularly. Fortunately, with modern conveniences like smart phones around every corner, setting numerous alarms is a simple task and one that can save you a huge amount of hassle in the future.
3. Keep a Fire Extinguisher on Hand
If a fire does happen to spring up, you want a fire extinguisher in the kitchen to deal with the problem immediately. Having one of these appliances on hand means you can mitigate fire damage from the beginning, so working with fire cleaning professionals is a less lengthy process later on.
Don't let fear of fire keep you from cooking. These are all simple tips any homeowner can follow to make their kitchen more fire-safe all around.
Landlord Versus Tenant Flood Responsibilities
Severe flood damage to a property in Colorado Springs, CO.
Landlord Versus Tenant Flood Responsibilities
Flooding in Colorado Springs, CO, can be stressful and confusing. Once you and your family are safe, it is time to think about repairing and restoring your home or business. Homeowners, business owners and renters alike now have to navigate the waters of insurance coverage. For homeowners, the process is likely to clear. For landlords and tenants, however, it may be a bit more complicated. What does commercial property insurance cover? What does renter’s insurance cover?
The first step as a landlord is to know your insurance coverage. Flood insurance is not typically part of general property insurance. Talk to your agent about your specific policy. Landlords are responsible for the following in the case of a flood:
• Whether insurance covers flooding or not, you as the property owner are still responsible for returning the dwelling to a safe, livable situation for your tenants. This must be done in a reasonably timely manner, so contact a water restoration specialist as soon as possible to avoid secondary damage from occurring.
• Damages to the building are covered by the landlord, including all appliances that were not purchased and installed by the tenants. Flooring, drywall, electrical and other structures are under the property owner’s purview as well.
The landlord is not responsible for all damage, so as the tenant it is important to obtain renter’s insurance and know what is covered. As with landlords, flood coverage is not typically included in basic insurance, so talk to your agent about the details. Tenants should know the following information:
• As a renter, your personal belongings are covered under your insurance.
• Relocation, if the apartment or dwelling is unlivable, is usually covered by your insurance and rent does not need to be paid during that time. You may choose to discontinue the lease if the damage is severe.
Whether you are the landlord or tenant, obtain the appropriate insurance coverage. Understand what your property or renter’s insurance covers, and what your responsibilities are in the case of a flood in Colorado Springs, CO.
3 Places in Your Home That Have Mold Odor and How To Get Rid of It
Mold damage Tri-Lakes, CO bathroom
Ways To Clean And Remove Mold Odor
If you've recently treated for mold in your home in Tri-Lakes, CO, you may still notice a lingering smell. That's because the mycotoxin producing that smell can be hard to get rid of even when the mold is gone. If you've tried everything and still have that smell, it's likely because you aren't looking in the right area. Your bathrooms, laundry area, and basement are the hardest places to remove these odors from. The good news is you can clean these rooms. You need to follow the right steps. Here is how you can clean each of these locations and remove that smell.
The mycotoxin tends to linger in bathrooms the longest. The shower, tub, toilet, and sink all make great hiding places for these particles and leaves behind a pungent odor. Plus, the increased moisture levels make it more likely that mold will return. To remove the musty odor, you will need to remove all rugs and decorations, soak your fixtures will apple cider vinegar, and spray with mildew-fighting essential oils.
2. Laundry Area
If you've left wet clothes in the wash too long, your laundry area is probably swarming with mildew mycotoxin. On top of that, your clothes are probably stinky too. You can remedy this smell by soaking the clothes in an apple cider vinegar solution inside the washing machine.
Those who have mold in their basements know how difficult this can be to fight. Some of the top techniques for removing smells here are setting out bowls of apple cider vinegar, cat litter, or baking soda. In dry basements, this should help. Areas that are prone to moisture issues will need a mold restoration company for complete odor removal.
Immediately after mold remediation, you are probably going to have lingering odors in your home. The key is to take the appropriate action to fight the smells.
3 Reasons To Mitigate Damage Before Restoration
Storm floods constructions site in Monument, CO.
3 Reasons To Mitigate Damage Before Restoration
Leaving damage intact until restoration starts can cause conditions to worsen. Here are three reasons commercial property owners and managers should contact a flood cleanup company to arrange for mitigation in advance of damage restoration in Monument, CO.
1. Mitigation Limits Primary and Secondary Damage
Mitigation involves quick action in response to flooding or storm damage. This measure may involve tarping over roof damage, boarding up broken windows or extracting standing floodwater from a structure. Buildings that undergo mitigation may have less extensive damage than damaged structures left standing for days and a reduced risk of secondary mold damage.
2. Mitigation Allows for Easier Cleanup
When a supply line bursts and floods a commercial building, this damage is considered Category One water damage. A compromised structural enclosure, such as a leaky roof or broken window, introduces Category Two water into businesses. Flooding is considered Category Three water damage and may require a flood cleanup company. Mitigating any type of water damage makes cleanup easier. It is important to act quickly as water can degrade to a lower category and require tearing out porous building materials in addition to disinfection.
3. Mitigation May Identify Restoration Options
A one-stop restoration company can recommend the best approach to restoration based on information gathered during mitigation. After a building owner or property manager reports damage, a trained technician will arrive on-site to inspect a structure and recommend mitigation measures. The service can provide an estimate including cleanup and restoration to facilitate making commercial property insurance or flood insurance claim.
An all-in-one flood cleanup company can offer mitigation and restoration services in Monument, CO. Look for a service that has the expertise and commercial-grade equipment necessary to safely extract water as soon as possible. This mitigation measure goes a long way toward setting up a building for successful storm damage restoration.
Addressing Smoke and Soot Damage After a Fire
Severe fire damage to a building in Colorado Springs, CO.
Ways To Handle Soot And Smoke Damage
After a fire, smoke damage at your building in Colorado Springs, CO, can be widespread, and you may need to consult with an experienced fire restoration service to handle the clean-up. Experts who know how to handle smoke and soot damage use various methods to clean and repair parts of your building's interior and the property inside it.
Smoke from a fire can quickly spread through your building's interior, permeate the air and compromise porous surfaces, including:
Fire damage is not always visible; it can lead to lingering unpleasant odors that are difficult to remove. Neutralizing the odor that smoke leaves behind is one of the most vital but challenging aspects of the clean-up process following a fire. Ozone odor removal is one of the most effective ways to eliminate the pungent scent from smoke damage. It involves introducing ozone molecules, or oxygen that consists of three rather than two oxygen atoms, into the environment. The third atom becomes attracted to the offensive odor molecule and neutralizes it, leaving behind two-atom, breathable oxygen molecules.
Following a fire, incomplete combustion of burning objects results in microscopic, toxic soot particles. It is vital to know how to clean surfaces that contain soot to avoid spreading it deeper into an object and producing permanent stains. The first step involves determining the type of soot requiring removal.
Dry soot is odorless and forms when natural substances burn. A dry vacuum with a HEPA filter can remove dry soot effectively, usually without leaving permanent stains. Wet and oily soot damage from burning plastic, rubber and kitchen products are more complex to manage and require great care when handling. It may be impossible to salvage affected objects.
Smoke damage due to a fire at your building or a nearby structure can have serious consequences. Professional fire restoration services in Colorado Springs, CO, can undertake soot and smoke cleaning measures to minimize the disruption to your operations.
3 Tips for Conducting Effective Fire Drills at Work
Map out evacuation routes.
Having A Safe Workplace
As a business owner or manager, you care about your employees and their safety. Emergency preparedness against disaster is an important part of maintaining a safe workplace. Make sure that your employees are prepared for the event of a fire in Gleneagle, CO, by using these three tips to make your fire drills more effective.
1. Start with a Plan
Before jumping into a drill, make sure that you start with a detailed plan. Here are a few items to include:
Map out evacuation routes. Keep these posted in visible areas. Mark the location of fire extinguishers.
Designate an employee to act as fire warden. Assign other responsibilities as needed, such as shutting down equipment or helping at-risk individuals out of the building.
Decide on follow-up communication. Have a system for determining whether everyone has been safely evacuated. Identify a set meeting place outside the building.
Know who you will call for fire cleanup and restoration after the emergency has passed. Have a plan so that you can get back to business quickly and safely.
2. Set Fire Drill Goals
Set specific objectives for each fire drill. These could include improving evacuation time (assign someone to clock this, such as the fire warden) or efficiently shutting down necessary equipment. Make and keep a goal for the frequency of fire drills. Plan on at least two to three each year.
3. Evaluate After the Drill
After you've completed a fire drill, take the time to debrief with your employees. Discuss what went well and make specific observations about needed improvements. Ask for feedback from everyone involved to identify any hiccups that need to be worked out before the next drill.
Drills are an important way to prepare for potential emergencies in the workplace. Make the most of your time, and that of your employees, by ensuring that your drills are effective. Plan ahead, be specific in your objectives and take the time to communicate both before and after drills.
Will Your Smoke Alarms Wake You Up in Case of Fire?
Some smoke alarms have 10 year batteries
Here Are A Few Things To Keep In Mind
No one wants to think about the event of a home fire happening to them in Palmer Lake, CO, but the best time to think about it is before it happens. A little preparation goes a long way to keeping you and your family protected. One major key to that preparation is keeping your smoke alarms up to date. You want to be sure that your smoke alarm will alert you rapidly in case of fire, especially during the night when those in the household will be sleeping.
Do You Have Enough Alarms?
Experts say that you have just minutes to safely escape a burning home. Because of this, it is paramount that your smoke detector is able to detect and alert you rapidly, no matter where you are and no matter where the fire is located. Make sure that you have a smoke alarm in each of these key places:
- Inside each bedroom
- Outside each bedroom
- One on each level of the house
You can also get interconnected alarms, so that when one goes off, they all do. This is especially helpful in a large home or for heavy sleepers who may struggle to hear an alarm in another part of the house.
Are Your Batteries and Alarms Up-to-Date?
Once you are certain you have enough alarms, be sure to maintain them regularly. Check the date on each smoke alarm and remember to replace it after 10 years. Alarms powered by nine-volt batteries should have those batteries replaced every year. Newer fire alarms that use lithium batteries will not need to have the batteries replaced. The 10-year batteries are designed to last until the unit needs to be replaced. For all types of smoke detectors, it is important to test the alarm every month.
Smoke alarms are an important piece of keeping you and your family safe. An efficient alerting system will help you to get out and get help fast to prevent fire damage. Minimizing the damage to your home will help the fire restoration process to go more smoothly as well. A little preparation pays large dividends.
Can a Noisy Water Heater Pose a Problem?
Eliminate buildup by doing a water heater flush.
Water heaters may make popping or rumbling noises if you have hard water in Tri-Lakes, CO, or it has been a while since you flushed the tank of this appliance. Find out why these noises occur and whether water heater sounds might indicate potential problems that could cause this appliance to malfunction.
Sediment Is a Common Cause of Sounds
Water that is referred to as being “hard” contains high concentrations of calcium and magnesium. The following minerals tend to contribute to the deposits called “scale”:
- Calcium carbonate
- Calcium sulfate
- Magnesium hydroxide
Particles of these minerals settle at the bottom of a tank and act as an insulator. The sounds coming from this appliance are caused by steam bubbles that rise and then become trapped. A heater with a rusted tank can also leak and cause water damage.
Scale Makes a Water Heater Work Harder
Sediment can keep the heating element from efficiently raising water temperature. Reduced tank volume may limit the hot water supply, and water from faucets or showerheads may fluctuate in temperature from very hot to lukewarm. Over time, buildup shortens the life of a heating element.
Flush the Tank To Remove Residue
Eliminate buildup by doing a water heater flush. Shut off the breaker to an electric heater or set a gas heater to pilot. Close the water supply valve and wait for the water in the tank to cool. Attach a hose to the drain valve and route the contents down a drain or outside. Drain and refill the tank until the water runs clear. Close the drain valve and reconnect the heater.
A noisy water heater may not fail immediately, but the heating element will have to work harder, which shortens the operating life of the appliance. Depending on the hardness of the water in Tri-Lakes, CO, a homeowner may want to regularly flush out a heater tank.
3 Reasons To Look for an IICRC Certification
Hire a disaster remediation company that has safety, integrity, excellence, and professionalism as its focus.
Here Is Some More About Its Meaning And The Impact It Has
You've probably seen a company boasting an IICRC certificate. It is often prominently displayed on a company's website. A lot of companies have this certification. It seems to be a big factor in their marketing materials. Unfortunately, if you're not in the remediation industry, you probably don't know what it means. You also don't know why it's so important. The main reason this certification is important is that it impacts the quality of work you receive. It can also affect the processes used during a restoration job.
1. It Is the Industry Standard-Setter
You probably want to hire a disaster remediation company that has safety, integrity, excellence, and professionalism as its focus. In most industries, there is a primary organization that sets these standards. This is true for businesses working in restoration in Monument, CO. The Institute of Inspection, Cleaning and Restoration Certification (IICRC) is the industry's standard setter.
2. The Courses Are Rigorous
The IICRC offers many courses designed to cover different aspects of remediation work. It covers everything from carpet replacement to managing a restoration company. The organization also knows that a thorough understanding of each aspect is necessary for the industry. Therefore, technicians must go through rigorous training to earn a certification and earn continuing education credits every year. This ensures that they keep their credentials. Each course gives technicians an in-depth understanding and hands-on experience of a subject. They then take need to pass an exam to ensure they meet the standards.
3. A Certification Guarantees a Superior Level of Work
Most industries require a training certificate. However, restoration work is not one of those industries, and anyone can start a business. Because of this, you need to ensure the company you choose has a restoration, cleaning, or mitigation certificate.
Looking for this certification ensures the technicians who do your work are trained and knowledgeable. This ensures your work is done correctly. It also guarantees that you will receive a superior quality of work. These benefits are why this certification is so important.