3 Things To Know About Homeowners Insurance and Mold Damage
Mold growth in a drywall.
Homeowners Insurance and Mold Damage
In the event that your Sun City Summerlin, NV, home develops damaging fungus growth, you'll need to take decisive action. This is particularly important when it comes to handling insurance. Therefore, it's important to understand how mold damage insurance works. If you're unfamiliar with the particulars of this issue, here are three things to know about homeowners insurance and mold damage.
1. Few Cases Are Covered
Unfortunately, most home insurance policies don't cover mold damage. This is especially true when it comes to preventable mold growth. You're also unlikely to be covered if a flood occurs. However, you may get mold coverage if the damage came from a "covered peril". Here are some examples of covered perils:
- Vehicle Damage
Check your policy to make sure that these "perils" are listed.
2. Level of Risk Matters
When it comes to insurance coverage, the risk level of your home is important. Basically, insurance companies don't appreciate covering high-risk homes, especially if you've filed claims before. If you're unsure whether your home has a high risk of getting mold, start by considering your location. Tropical areas are far more likely to experience fungus growth. You should also factor in your house's materials. If your home is high-risk, you'll need to prepare for higher fees or even coverage refusals.
3. There Can Be Exceptions
While most home mold insurance policies don't cover preventable damage, yours may be an exception. It's also possible that your policy can provide limited coverage. Therefore, it's essential to speak with your insurance company. In order to have a full picture of the situation, it would also be helpful to converse with mold damage restoration experts.
Dealing with your insurance policy can be stressful, to say the least. Ergo, it's vital to be prepared in case of damaging fungus growth. Do your research and talk with the insurance company. If you understand the situation, you'll have a better chance of handling it well.
3 Ways Property Managers Can Prepare for the Next Storm
Flood damage to an office building in Summerlin, NV.
Three Ways To Prepare For The Next Storm
When it comes to property management in Summerlin, NV, there is always something to do. If it hasn’t happened already, the top of that list should be storm preparedness. While you can count on a storm damage and restoration specialist to restore the property, ensuring anyone on-site is safe and minimizing the damage are vital to fully weathering the event. Below are three ways to better be ready for the next big storm.
1. Have Updated Data
Whether you have one property or dozens, a lot happens throughout the year. Maintaining accurate records is essential when it comes to an emergency situation. Ensure that you have updated contact information for all residents, as well as trusted professionals you can call after the storm ends. On the flip side, ensure everyone knows how to reach out for help if the times come.
2. Develop a Plan
A storm preparedness plan is essential. While every situation is different, an emergency plan needs to take into consideration everyone’s needs. Part of it should include an evacuation plan. This should be clearly posted to ensure a safe, smooth escape if one is needed. If possible, designate someone on-site to help direct any evacuation efforts. Once a plan is in place, it only works if people know about it. Be sure that everyone gets a physical copy and understands what to do.
3. Secure the Property
Although there are always unknowns, staying on top of maintenance and housekeeping goes a long way when the winds kick up and the rain falls hard. From keeping trees trimmed to encouraging tenants to secure outdoor items and taking care of leaks the moment they are discovered, attention to the small details can minimize potential damage.
Storm preparedness is a key component of managing properties. Even starting with a few simple steps helps make dealing with the next weather event easier.
4 Important Steps to Remember When Making a Fire Escape Plan
Locate all Exits
Creating A Fire Escape Plan For Your Business
When preparing your Las Vegas, NV, business for a fire, it is important to have a fire escape plan. This will help get you, employees and guests, out of the building safely during an emergency. The following are some things to keep in mind when creating this plan.
1. Locate All Exits
To make a thorough fire escape plan, you need to know where every exit in your building is. This will include all doors as well as some windows. While they may not be an ideal exit, windows on lower floors can be used to quickly leave the building.
2. Keep Maps on Every Floor
Particularly if you operate in a large building, it can be helpful to have maps in common areas. Exits should be marked clearly so they are easy to find. This can be especially useful for guests or visitors who may not be familiar with the layout.
3. Designate a Meet-Up Spot
If there are often many people in the building, it can be difficult to know if everyone has made it outside safely. Having a meet-up area allows you to determine if anyone is missing. Make sure this area is a safe distance from the building and that it is easy to reach.
4. Practice Often
Once you’ve created an emergency escape plan, you should have practice drills regularly. Doing this will make it easier for everyone to react calmly in the event of a real fire. Having a drill every six to 12 months is usually enough for most businesses, though you may want to do so more often if there is a high fire risk.
It is easy to panic during an emergency such as a fire, but creating a fire escape plan can make things go more smoothly and keep your employees safe. If the damage to the building is severe, fire damage remediation can be done to return your building to its previous state.
Mitigation Versus Restoration: How Do They Differ?
Flooded office in Sun City Summerlin, NV.
When flooding and violent storms strike your Sun City Summerlin, NV, business, the aftermath can leave you reeling. Between damaged inventory and ruined building materials, you may not know where to begin when it comes to salvaging your property. Working with a flood cleanup company may help you to better understand the process, especially when it comes to the differences between mitigation and restoration.
What Is Mitigation?
When your property first suffers from storm damage, your emergency response team will come out and perform mitigation tasks that may help reduce the effects of future damage. This may involve a variety of processes, including:
- Using tarps to cover leaks in the roof
- Removing standing water
- Blocking off areas to protect them from secondary flooding
Mitigation protects your business from suffering further damage before the restoration process begins. Your restoration company will likely advise you about which steps they plan to take so you remain in the loop and can better plan an eventual reopening strategy.
What Is Restoration?
Restoration takes place once your flood cleanup company has reviewed all the damage and taken steps to reduce its effects. The restoration process will probably include actions such as flood cuts, which include cutting into the drywall approximately a foot or so above the flood line to inspect the interior for any problems, such as wet insulation. Existing wet insulation cannot be dried, so your restoration professionals will likely replace it instead.
How Far Apart Does Each Action Happen?
Depending on the degree of storm damage your property suffers, mitigation and restoration may take place close together, such as in the case of minor flooding paired with roof damage from high winds. The greater the damage, the longer it may take for restoration to begin. Your flood cleanup company representatives can help guide you through the process so you feel more comfortable about the outcome.
Your Sun City Summerlin, NV, business is likely a major financial and emotional investment, and both can take a hit when storm damage strikes. Understanding the mitigation and restoration process may offer you peace of mind when you need assistance after a major storm.
How To Replace Toilet Supply Lines
If water is leaking from your supply line you should replace the supply line immediately.
Supply line damage can cause a bathroom leak. Leaks can cause damage to belongings and building supplies and increase the risk of mold growth in your home. Homeowners in Sun City Summerlin, NV, should know how and when to replace supply lines.
Toilet supply lines can be replaced in just a few easy steps:
- Turn off the water supply
- Empty the tank by flushing the toilet
- Remove the supply line
- Install the new supply line
- Turn the water back on and test for leaks
- If there are leaks, tighten the nuts
When to Replace Supply Lines
The lifespan of supply lines depends on the material they are made out of. Plastic lines typically have warranties of 5-8 years and should be replaced when the warranty is approaching. Metal braided supply lines typically have lifetime warranties and do not need to be replaced. Of course, if you notice supply line damage or a supply line leak, replace it immediately.
What to do When You Have a Leak
A bathroom leak should always be addressed swiftly. If you notice a leak, you should turn off the water supply and turn off the power in the area if the water is in contact with any electrical circuits. You should then clean up the water or call a professional to help with the cleanup. It is important to make sure the area is fully dried with fans after the water is removed. Once the area is dry and the supply line has been replaced, mold remediation specialists should spray the area with special cleaners and sealants to prevent the growth of mold.
If you've noticed toilet supply line damage in your home, you should replace the supply line immediately. You can follow the easy steps above or enlist the help of a plumber. You can prevent a supply line leak by replacing supply lines when they approach their warranty deadline. If you do experience a bathroom leak, you should clean up the water and have the area treated for mold immediately.
What Does Renter's Insurance Cover?
Renters should consider purchasing insurance even if it isn't required.
Many landlords in Summerlin, NV, require renters insurance, but renters should consider purchasing insurance even if it isn't required. Different policies have various coverage, but most policies will cover liability, property damage, loss of use and more.
Renters insurance generally includes liability coverage. This coverage protects you if you are sued for accidental injuries or property damaged that you caused. Some examples include:
- Your pet biting someone
- A person getting injured in your apartment or house
- Fire damage that originated because of your negligence
- Accidentally damaging someone else's property
Provided that the incident is unintentional and the circumstances are covered by your insurance policy, your provider will cover the expenses of lawsuits and some medical bills for any injured persons.
Property damage coverage applies to many different scenarios in which your personal property is harmed, such as fire damage. They will reimburse you for the costs of replacing or repairing damaged items. Policies have pre-determined coverage limits that determine how much your provider will pay. Renters should carefully consider the value of their personal property and purchase a policy with a coverage limit that fits their needs.
Loss of Use
If something happens to your rental property that requires you to temporarily live elsewhere, loss of use coverage will reimburse you for associated costs. For example, you may have to stay at a hotel in Summerlin, NV, while fire restoration is being done in your apartment or home. When the fire restoration service has finished their work, you can move back in. Your insurance coverage should include the expenses of the hotel stay and other living expenses incurred because of the fire.
The benefits of renters insurance include, but are not limited to, liability, property damage and loss of use coverage. Renters should carefully read the terms of policies and compare available options to find the coverage that best fits their needs. They should also make sure they are familiar with the terms of their policy.
4 Ways SERVPRO Serves Adjusters and Their Clients
Our technicians undergo extensive water restoration training and certification through an IICRC-approved school
4 Ways SERVPRO Serves Adjusters and Their Clients
The SERVPRO team understands the responsibility an insurance adjuster has to provide top-notch service while controlling the costs of a claim. These are four of the ways SERVPRO franchises help adjusters and their clients.
1. Immediate Response
Our team takes pride in being Faster to Any Size Disaster. Our quick response helps your clients get their property restored as quickly as possible while also reducing the cost of the insurance claim by providing prompt damage mitigation. We have franchises near Las Vegas, NV, ready to be on the scene to quickly dry out water damage, provide storm or fire clean-up, or remove the mold before the problem can get worse.
2. Lower Claims Expense
We know it is more cost-effective to restore property than to replace it. Our team will work with the insurance adjuster to pretest all losses to ensure that property that can be restored will be.
3. Easier Claims Processing
Our franchise professionals provide a detailed loss inventory, complete with an Excel report and photos of valuable items. Additionally, our Claims Information Center furnishes prompt, accurate information. Adjusters can access an electronic job file that includes the first notice of loss, digital photos, detailed estimates and digitally scanned paperwork and forms. They also have online access to claims files, including new and pending assignments, and finished jobs.
4. Industry Leading Training
All franchise staff is trained to Institute of Inspection Cleaning and Restoration Certification standards in water and fire restoration and cleanup. We also provide continuing education courses for insurance clients and franchise professionals at our top-notch IICRC approved training facility. This ensures that all of our customers receive the highest level of service from technicians trained in the latest techniques.
Our professionals make it their mission to provide prompt and professional service so that the insurance adjuster can focus on processing the claim and not on dealing with vendors. Our team is Here to Help with fast, friendly and professional service.
4 Tips for Avoiding Workplace Fires
Fire prevention in your workplace is an ongoing process.
Even a small fire in the break room can derail an entire day's worth of work, so fire prevention in your Sun City, NV workplace is a high priority. In addition to worrying about the lost work, personnel could be injured and business property, such as structures and equipment, may be lost. As a business owner, there are some key steps you can take:
1. Identify Areas of Risk
Contact the National Fire Protection Association for literature about preventing a business fire. You should also ask your local fire marshal or your insurance company for recommendations. Fire damage and restoration professionals can be a good resource as well.
2. Create a Fire Safety and Prevention Plan
With this information, create a plan, share it with the staff, and regularly train personnel. Your plan should include steps for preventing damage, responding to fires, and safely evacuating the property.
3. Minimize the Risks
Use the information and recommendations from fire prevention and safety experts, walk through your property to address existing areas of risk and to identify other potential problems:
-Electrical issues, such as inappropriately used extension cords
-Objects stacked around heaters and furnaces
-Frayed and overloaded cords
-Overloaded power outlets
-Fire control systems that aren't well-maintained
Be sure to routinely inspect your property for these issues and any others you discover.
4. Install and Maintain Fire Safety Equipment
Your fire plan must include fire extinguishers and smoke detectors. Follow established standards and codes when installing these devices. You also need emergency kits placed according to business codes. If you have resources available, consider the installation of a sprinkler system. Be sure you understand where devices are installed and how to properly maintain them.
Fire prevention in your workplace is an ongoing process. When you identify risks, create a plan, inspect your property, and properly use and maintain fire safety equipment, your risk of fire damage decreases.
Understanding Mold Damage and Exposure Claims
When a mold infestation happens, it means much more than cleaning it up.
Dealing with mold in your Summerlin, NV, property is often a complex process that requires the assistance of a mold remediation and restoration specialist. Depending on the extent of the damage, that may put a dent in your budget. More importantly, it may affect the people within the structure. Along with finding the right help, understanding mold insurance claims may add to the frustration. General policies usually provide some coverage, but there are limits and not all claims may be accepted.
Fungus Coverage For Remediation
While every policy is different, most will not validate claims if the mold was caused by a lingering issue, such as a slow leak left unrepaired or ongoing humidity issues that have not been resolved. Mold insurance claims are often valid if there is a sudden pipe burst or extensive water unleashed due to extinguishing a fire. In those events, the coverage typically includes the following:
- Direct damage or physical loss of covered property, such as drywall removal and replacement, as well as costs associated with mold removal.
- Expenses incurred from accessing the fungus growth, such as having to tear out and replace insulation or drywall.
- Testing costs after cleanup is completed to ensure the issue has been properly eliminated.
Liability Coverage For Exposure
Any time mold is found means there is the potential that a tenant, employee or customer may file a mold claim. Along with general commercial coverage, liability coverage may be essential to avoid a lawsuit. Even if the infestation is nontoxic, associated issues have led to some high-dollar cases. Added insurance provides peace of mind. As with any insurance, it is imperative to talk with your insurer and clearly understand any policies.
When a mold infestation happens, it means much more than cleaning it up. Ensuring you have the right coverage for your property is essential in both making mold insurance claims and being protected against an exposure claim.
3 Phases During Construction That Contractors Need To Prevent Water Damage
During a construction project, it is crucial to form a waterproofing plan and stick to it.
Three Phases During Construction
Even the smallest efforts can help contractors reduce the amount of loss they experience during construction. There are several times when they need to think about preventing water damage. Each time is crucial to ensuring that contractors don't have to worry about water pipe repair or hiring a water remediation company.
1. Before Construction
During the first phase, contractors should take the time to develop a quality control plan. Following this plan will ensure that specific steps are taken to reduce the need for water pipe repair and other timely solutions.
Additionally, the potential for water infiltration and drainage solutions should be considered. Contractors must think about how their building materials fit with the area's water levels. If a potential threat is identified, they should consult an engineer about the situation. If necessary, they may need to install drainage systems to make construction possible. This will minimize damage to a building over time. Contractors could also add pumps for dewatering purposes.
2. During Construction
During construction in Sun City Summerlin, NV, it is important to enforce the quality control plan. This ensures the ongoing project follows the plan and avoid potential water threats. Any subcontractors should also abide by this plan. To enforce this, the manager should document the project with photographs, reports, and inspections. It is also crucial to continue implementing dewatering solutions to prevent the need for water pipe repair jobs.
3. During Testing
After the roof has been installed, contractors are responsible for testing the water-tightness of the building. This often starts with the roof and works down. If any problems, like a broken pipe, are discovered, they should be fixed immediately.
During a construction project, it is crucial to form a waterproofing plan and stick to it. This ensures that you avoid a flooded structure while working. Be sure to have someone enforcing this plan. Once finished, perform tests to ensure water-tightness. Fix any problems that you discover.