Understanding Water Damage Claims
Filing a claim
When your home is your castle, you likely prefer your castle to be dry and smell like home instead of mold and mildew. If water damage in South Oceanside, CA, happens, getting the issue taken care of as quickly as possible can ensure bursting pipes or other sources of water don’t create bigger problems. If there is severe damage, most people expect their homeowner’s insurance to cover the damage.
What Insurance Covers
A typical homeowner’s insurance policy covers sudden, unexpected damage. The source of the damage is often the determining factor if it will be covered. Claims will often be accepted for the following:
- Storm damage caused by rain or snow
- Frozen pipes
- Faulty plumbing
- Accidental overflow of appliances
- Water damage incurred during a fire
In the above cases, water has typically not touched the ground outside. A claim will likely be denied in cases of flooding, which requires additional insurance, or if the problem is a result of neglect, such as improperly maintained pipes. Be sure to thoroughly understand your policy to ensure you know what is and isn’t covered.
Filing a Claim
If bursting pipes or another source that is covered by your insurance causes damage, it’s important to contact your insurer as quickly as possible. They will work with you to determine the best course of action. While you are waiting, take pictures of the affected areas to share with the assessor to expedite the process, and this can also provide evidence that you were not at fault. These pictures also allow you to make a vital temporary repair, such as fix a broken pipe, to keep further damage from happening. While the adjuster is determining the level of damage in comparison to your deductible, call a trusted water cleanup expert to provide a quote.
The process may take a little time, but bursting pipes drenching your home doesn’t have to mean an expensive loss and long-term problems. Taking the right steps at the start can get your home to “Like it never even happened.”
Regular Maintenance for Fire Sprinkler Systems
Your fire sprinkler system is just one component of an important fire protection plan
The fire sprinkler system in your commercial building is a vital component of your fire safety system. If you haven't spent much time lately worrying about fires, it's time to take a minute or two recognizing how prevalent fires can be:
- There's at least a 20 percent chance that you'll be affected by a serious fire at least once in your lifetime.
- During one year, about 3,615 people a day will be injured in a fire, and nearly ten people will die because of a fire – just in the United States.
- Nearly a quarter of a billion dollars are lost because of fires in a single year.
When flames break out in your business, you aren't just responsible for your own safety but also for the safety of your employees and customers.
Why Hire a Professional
With this in mind, it's crucial that you understand how to be sure your fire sprinkler system is operational. For most systems, the sprinklers are attached to a series of pipes on the ceilings or walls. Depending on the specifics of your system, there may be water in the pipes at all times or the pipes may be hooked to the water main. This and the delicacy of the system make it difficult to conduct your own inspections and testing. Because of this, it's generally best to contact a fire suppression system professional to provide maintenance.
The Importance of Regular Checkups
Without timely repairs, the system may activate when there isn't a fire, or it won't activate when it should. If the system does spray water into your building, fire sprinkler cleanup and water damage technicians can address the water damage. However, it's difficult to trip a fire system accidentally, so with routine checkups, you shouldn't need this service. On the other hand, if the system doesn't activate when you need it to, the fire damage and associated risks could be significant.
Protect Your Business and Your People
Your fire sprinkler system is just one component of an important fire protection plan. For the safety of your Fallbrook, CA, business, building, your customers, and your staff, the system must be regularly maintained, tested, and repaired.
The Aftermath of a Storm
A storm is a violent disturbance of the atmosphere
The Aftermath of a Storm
A storm is a violent disturbance of the atmosphere with strong winds that are accompanied usually by thunder, rain, lightning, and snow. Instances of storms are on the rise, the latest being the IRMA hurricane that hit the eastern Caribbean coast. Hurricanes bring with them such issues like hurricane damage, ice damming, river flooding, tornadoes, snowstorms, flooding, and ice damage. Storm damages on properties and buildings can be as a result of flash floods, roof leaks, structure damages, and roof damage.
Forms of damages that accompany storms
- Wind damage
- Hurricane damage
- Water damage
- Ice dams
- Ice damages
- Roof damage
The process to restore your home after wind damage or flooding requires one to use the services of a restoration company that will ensure that the home restoration process is done professionally.
The following are the steps of storm remediation.
i. Emergency contact: In a storm restoration, the first step you should take is to ensure emergency contact to your local restoration company. Emergency contact should be made as soon as the storm subsides to initiate the process of restoration. Restoration companies provide their services on a 24/7 basis making it possible for you to get in touch with them at any time of the day. Among the information that you should relay to the restoration company includes the level of roof damage that could be determined by the presence of a roof leak. Roof leaks and ice dams call for a roof repair. You should also inform them of the level of floodwater and the amount of groundwater.
ii. Prioritize your health and safety first: Flooding disrupts power sources, which may cause electrocution to individuals. Immediately the restoration personnel is on the site, they should begin the process of storm remediation. The process depends on the levels of river flooding, wind damage, hail damage, levels of floodwater, and ice damage. Flood pumps can be used to get rid of floodwater and groundwater that has the risk of damaging your property. Blocking of broken water pipes and fixing frozen pipes is necessary for limiting water inflow. Inspecting the roof for roof leaks is also important since water damages may occur due to ice damming that provides natural water blockage.
iii. Documentation is necessary for a storm restoration process as it captures the extent of such issues as water damage, roof damage, hail damage, ice damage, and hurricane damage. Documented information on storm damage helps victims in filling their insurance claim forms. You should document the damages as soon as you are safe and the storm is over. Documentation of damages due to ice damage, hail damage, hurricane damages, and wind damages can be done through photographs and recorded videos.
iv. You should contact your insurance company agent: Contacting your insurance agent ensures that there is a formal inspection and documentation of damages. Insurance policies should cover all the costs of storm remediation. Such costs associated with storm damages include the cost of water restoration, home restoration, and storm restoration.
v. Seek Federal Disaster Assistance: When storms such as IRMA strike, they cause destruction and huge losses to businesses. The federal government assists victims of hurricane damage, wind damage, hail damage, river flooding, ice damming, and ice dams. Groundwater and flood water can also be very destructive. The federal government will come to your rescue by facilitating such remedies like roof repair, heating of frozen pipes, home restoration, water restoration, storm restoration, and purchase of flood pumps to combat flooding. Roof repair will fix minor roof leaks if they exist but a new roof may be needed if the damage is severe.
vi. Management of damages: This process involves addressing the various damages suffered such as roof damage, water damage, wind damage, hail damage, and hurricane damage that come in the form of storm damage. Heating up frozen pipes after ice damming and purchasing of flood pumps should be a priority. This stage is where elaborate home restoration steps are taken. Hail damage and ice damage are responsible for roof damage and you will need to carry out roof repairs. Ice damming leads to ice dams and frozen pipes that need heat up to restore the water supply. Ensure that during a water restoration process, you use dehumidifiers and flood pumps to eliminate groundwater and floodwater.
The success of home restoration will depend on the storm remediation steps taken to facilitate water restoration. You can avoid losses due to river flooding through compliance with early warning systems.
3 Ways Mold Can Spread Through Your Home
Professional mold remediation can help prevent further damages to your home or business.
Mold is a common problem that many homeowners in Fallbrook, CA, must deal with at one point or another. In some cases, you may discover that it is growing in multiple locations within your house. If this is happening, then you may be unintentionally spreading mold throughout the building. The following are a few ways in which mold can spread.
1. Water Damage
Black mold needs moisture to grow, so if you are noticing the fungus in many different areas of the house, then it is likely you have multiple instances of water damage. This can be caused by something simple like a leaking pipe or may be the result of a storm. If this is the case, you should have the damage repaired quickly to prevent the mold growth from getting worse.
2. Air Conditioners, Fans and HVAC Systems
Mold grows from spores that are too small to see with the naked eye. This makes it easy for them to travel undetected through the air. If you have a growth in one area, the air circulation in your house might be spreading mold to other places. To prevent this, you should keep your HVAC system, fans and air conditioners turned off until the fungus is removed.
3. DIY Mold Removal
If you have tried to clean up a mold growth on your own, then it is possible you made the problem worse instead. Spreading mold after cleanup is easy to do if you don’t take the right preventative steps. The area should be thoroughly blocked off, and protective gear should be worn over your clothing, so you don’t accidentally carry spores to other areas.
Because mold is very easy to spread, it is a good idea to have a professional perform removal instead of attempting to do it yourself. A mold remediation company will have the necessary training, experience and equipment to get the job done well without spreading the fungus to other locations. They will inspect the home to find all areas of mold before doing cleanup and repairs.
How To Keep Pets Safe in a Home Fire
Keep your pets safe if your Fallbrook home suffers from a Fire.
In a fire emergency, how would you attend to your beloved pets? Do you know how to help them escape the threat of growing flames? Those sparks can quickly turn to a larger blaze, threatening their safety. In order to help out your four-legged friends (and other critters), you should prepare ahead of time, creating a plan and escape route. As a pet owner in Fallbrook, CA take time now to care for your animals' protection.
As you sit with your family members to discuss emergency procedures, talk about pet preparation. Here are a few suggestions to present:
Keep animals, their beds, and cages, near the exits.
Place a window cling with pet information on a window near the front of the house. Firefighters could use the information to help rescue animals left on the premises. Provide names, descriptions, and favorite hiding spots.
When practicing fire emergency procedures, have kids attempt to remove the pets. Remind your children, though, that they should never put themselves in harm's way. If they cannot get to the animal in a timely fashion, it's best to vacate and let the professionals look for them.
Store leashes and collars near the door.
Don't let a fire be the first attempt to think of how to assist your pets.
Create Safety Zones
Animals are a leading cause of house fires. After all, they don't understand safety procedures like you do. Therefore, establish some consistency. Stopping flames, essentially, is a major step in pet safety. Avoid using candles in the home. Cats and dogs don't understand that they can cause problems. As they run around or catch a toy, they can knock it over unintentionally. Another item to consider is stove knob protectors. When owners aren't home, larger canines could or wandering felines could turn on the stove. Finally, install gates that maintain safe areas.
Your pets are important to you, so sit down as a family and include them in your fire emergency plans. Organize your home to find them easily, and establish codes that keep everyone protected. You can snuggle with them while the fire restoration company works to repair any damage.
The Increased Risk of Flood After a Wildfire
Wildfires destroy vegetation which absorbs rainfall and reduces runoff
After another warm summer, wildfires have once again been in the news a lot, especially in California. While many repercussions result after a devastating fire, the FEMA NFIP recognizes that an increased risk of a flood is one of the most serious consequences. In fact, floods are the most common and the costliest natural perils to impact property. Floods can occur in Fallbrook,CA, and in communities around the nation. The federal flood insurance program is one of the best ways for a property owner to protect against property losses caused by flooding damage.
How Wildfires Increase Flood Risk
The FEMA NFIP, as well as providing affordable flood insurance for residents and business owners, educates people about flood insurance and flood risk. The facts about floods after wildfire damage include the following information:
- Wildfires destroy vegetation which absorbs rainfall and reduces runoff
- Flood risk remains high in an area with wildfire damage for as long as five years
- Wildfires create conditions favorable for flash floods
- A flood after a fire is often severe
For those who live in a wildfire zone, it makes sense to purchase federal flood insurance. Most homeowner policies do not include flood insurance. Even property owners that do not live in a high-risk flood zone should consider flood insurance because many floods occur in low-risk areas.
How To Prepare for an Emergency
Disaster preparation makes sense no matter what part of the country a person is located in. Knowing what to do in an emergency can save lives and reduce the severity of property losses. If a flood does hit a home, calling in a disaster mitigation team in Fallbrook,CA, is one the first calls to make. A team of trained professionals can bring in effective equipment for water removal and start the restoration process. For those who are part of the FEMA NFIP, they can begin to work on reimbursement for losses.
How to Properly Maintain Your Grill
Make sure you clean the unit after each use
Grill Cleaning and Maintenance Tips
When you’re preparing for a big barbecue, you probably give your grill a good cleaning and check to make sure that it’s running smoothly. However, regular grill maintenance doesn’t just keep your appliance in good shape. By taking proper care of your grill, you can also reduce the risk of grease fires and keep your property in Fallbrook,CA, safe. Here are some essential grill cleaning and maintenance tips that can help you prepare food outdoors safely.
Keep it Covered
When you’re not using your grill, be sure to keep it covered. Keeping your grill under wraps provides these benefits:
- Prevents rusting
- Stops dirt from building up
- Keeps the grill protected from the elements
You might only cover up your grill when you’re expecting rain or snow, but this won’t keep the unit sufficiently protected. There are plenty of outdoor elements that can cause damage to the grill so be sure to protect it from any sources of harm whenever you’re not using it.
Check for Leaks
When you’re working through your grill cleaning checklist, be sure to examine gas lines, valves and connections for propane leaks. Looking for these issues at least once a month helps your grill run smoothly and reduces the risk of problems occurring. If you do notice a leak, be sure to either tighten the connection or replace the gas line completely. Remember that taking action immediately allows you to keep your grill in good condition.
Clean it Often
This simple step is essential to maintaining a grill that is well cared for. Make sure you clean the unit after each use and perform a more thorough cleaning once every few months. To quickly freshen up the grill each time you use it, you can simply brush the grates and spray the surface with a cleaning solution. Not only does regular cleaning keep your grill sparkling, but it also creates safer conditions on your property.
Even your best grill cleaning efforts might not prevent a grease fire from taking place. Remember that emergency restoration services are Here to Help whenever disaster strikes.
How Professionals Handle Wet Materials After a Flood
Bloated wooden floor in Fallbrook, CA
A flood in your home in Fallbrook,CA, can have devastating effects on not only the items inside but the structure of the house itself. When water restoration experts examine the damage, they have to determine which materials have to be torn out and which can be dried and salvaged. There are a few signs they look for, such as swelling wood, to make this decision, and calling for repairs quickly can increase the chances that materials can be saved.
Signs of Irreparable Damage
If there is a lot of water present or if it has been present for a long time, the damage may be too great to repair. It is easy to spot signs of irreparable damage:
- Bloated wood
- Soft or bowing walls
- Evidence of water contamination
- Significant secondary damage, such as mold growth
After the water pipe repair has been completed, the cabinet beneath the leak may have to be torn out. Even if mold hasn't started to grow, if the wood is so saturated that it has changed shape, it has to be replaced to prevent such a problem from happening. Swelling wood or walls is a telltale sign that it cannot be salvaged.
Signs of Remaining Potential
A loose supply line can leak all over the floor tiles in the bathroom, but it may not completely destroy the subfloor if you catch the problem quickly enough. Technicians can inspect the flooring and determine whether or not the problem is able to be mitigated with a thorough drying. As long as the flooring maintains its structural integrity, it is likely that technicians won't have to tear it out.
Water damage can completely destroy the materials in your home, making them vulnerable to further damage. If you see swelling wood, it will have to be replaced rather than merely dried. The key to minimizing the amount of materials that have to be replaced is quick response.
How To Keep Working When the Lights Go Out
A portable generator can provide several benefits for the work environment
Three Tips To Foster Productivity During a Black Out
Power outage issues can make for a difficult work environment, especially since much of life runs through electrical lines. Employees may want to head on home and close up shop. There are ways, though, to keep people working. As a business owner in South Oceanside,CA, consider alternate sources of power. Let the storm damage crews fix the problem, and you concentrate on motivating your employees to continue productivity. Here are three tips to foster productivity during a black out.
1. Buy a Generator
A portable generator can provide several benefits for the work environment. No air could lead to uncomfortable heat. This device, however, can power the unit, providing cool air. In addition, it could keep your electronic devices up and running so people can concentrate on work and not the environment.
2. Encourage Hot Spots
Get creative and ask people to pull out their phones. Even if the electricity is out, they can connect to hot spots. With luck the power will return shortly, and this might encourage focus until the lights turn back on.
3. Have Backup Systems
Nothing is worse than losing valuable data or hard work. Power outage frustration can then occur. Do your computers have uninterrupted power supply (UPS)? This option allows for the device to remain on after the black out. Before they are powered off, people can save work, preventing aggravation.
4. Switch Focuses
Find work to do that does not rely on the computer or internet. This might mean a team meeting, organizing files, cleaning out area of the office, or team building.
5. Declare a Field Trip Day
Have employees wait just a bit to see if the electricity is restored. If that doesn't happen, consider relocating to a spot with internet or having a work from home day. Productivity can happen in other locations.
Power outage problems are irritating, but they don't need to stop the day. Use a generator to keep some level of comfort, rearrange the schedule, and think out of the box.
Can My Mold Artwork Be Saved?
Humidity can ruin art and pictures
Learn More About Mold Cleaning Paintings
The impact mold can have in your home is vast. In addition to causing unsightly stains and smells, this fungus can literally eat away at the walls and surfaces of your home. But when your home includes valuable artwork, the impact can seem even more devastating. The good news is that even mold-damaged artwork isn’t automatically a loss. Learn more about mold cleaning for paintings and how to restore the artwork in your South Oceanside,CA home.
Understanding Mold Damage
Mold replicates due to heat and moisture. But it thrives on nutrients from organic surfaces. That includes wood, paper and even glue - key elements of paintings. Some of the damage mold can cause to art work includes:
- attacking frames
- eating away at canvases and paint
- staining canvases
Fortunately, there are lots of simple options for mold cleaning.
Cleaning Mold from Artwork
One of the most direct options is simply cleaning the artwork. Step one is spraying anti-germ or bacteria cleaner on the back of paintings. On the front, dabbing on rubbing alcohol mixed with water can help destroy mold. In the case of dry residue, a soft brush can work wonders - but be sure to use a HEPA filtered vacuum to clean any resulting mold dust.
Most important is drying the painting. If a painting isn’t dry, remaining spores can take up residence and the mold can return. Combat persistent moisture by setting artwork in the sun to dry, being careful not to leave it long enough to fade colors. For inside drying, place artwork near a window. In either case, put the artwork on a flat surface while drying to get the best results.
Mold damage is an art lover’s nightmare but it doesn’t have to destroy your investment. Use some of the mold cleaning tips above or reach out to a mold remediation specialist to get your art collection back in good standing.