3 Reasons Not To Wait For a Storm Damage Adjuster
Flooding from storm in a West Jordan,UT residence
3 Reasons Not To Wait For a Storm Damage Adjuster
After a severe storm or flood in West Jordan, UT, many residents are likely to report damage. Regardless of whether you need to file a storm or flood damage claim, you should immediately document damage and take measures toward mitigation as soon as possible. Here are three reasons why you should not wait for a flood insurance adjuster.
1. Adjusters Are Busy
If the storm was severe or affected a large area, adjusters will have their work cut out for them. Even if you notify your insurance company of damage in a timely manner, you may still be a on a long waiting list. In the meantime, the damage in your home will intensify.
2. The Damage Will Get Worse
If you wait so that an adjuster can witness the full extent of the damage firsthand, primary storm or flood damage will worsen and secondary issues, such as mold damage, may arise. Most homeowner's and flood insurance policies require that policyholders take reasonable steps to mitigate damage. You may be able to obtain an advance on your policy to cover some of the cost of mitigation.
3. You Just Need Documentation
Extensive photographic and video evidence are all you need to support a claim. You may be able to make an even stronger case if you have relatively recent footage from before the flood or storm. It is a good idea to capture the condition of every part of your home once or twice a year and back these files up in remote and secure cloud storage.
As long as you gather evidence of the damage and losses your property has suffered, you should be able to file a homeowner's or flood insurance claim. Contact a residential mitigation and restoration service as soon as your residence sustains flood or storm damage or if you suspect that mold damage may be present.
Fire Damage: What to Watch Out for With Partial Loss
Fire loss restoration in West Jordan,UT
Fire Damage: Total Loss and Partial Loss
Fire loss can occur in two ways: total loss and partial loss. Total loss is when a fire has completely destroyed a business, resulting in a complete rebuild of the property. Partial loss refers to instances when only part of the business has been lost and requires the assistance of fire restoration services in the West Jordan, UT, area. Partial losses need special claims, and the process can bring about several unique issues.
1. Delayed Insurance Adjusters
In situations of widespread disaster, partial losses may be considered low priority to insurance companies and ultimately insurance adjusters, which can result in delays in property assessments. To help pass the time, you should walk your property and photograph everything that is damaged or destroyed, preparing a record of loss for your claims report.
2. Improper Cleaning and Repair
Partial fire loss requires thorough and proper cleaning to ensure that smoke damage is removed. Some substandard services may attempt to rush through a job, resulting in work that is not uniform and properties that are inconsistent in appearance. Therefore, you should research companies and services to ensure that they are experienced and professional.
3. Hidden Damage
During your walkthrough, be on the lookout for hidden issues, like water, mold, ash and smoke damage. Under most policy guidelines, you are within your rights to full and fair payment for partial loss, and that includes hidden damage. You will want to document it with pictures before the adjuster arrives so that you can avoid disputes.
Disputes may arise because of the overall appearance of your property when the work is completed. Your property should appear consistent, and this can mean the replacement of undamaged material. For example, while all the shingles on your roof may not be damaged, they may require replacement for uniformity purposes, and most coverages should pay for that replacement.
Fire loss is devastating no matter the extent. However, when dealing with a partial loss, it is necessary to watch out for several specific issues. Being vigilant ensures that your property will be made whole again.
Ceiling Tile Discoloration: Culprits and Causes
Mold damage on ceiling in West Jordan,UT
Imagine it, you’ve found the perfect home for your business, with just one or two pesky discolored ceiling tiles. It’s not a big deal, right? Not quite. Beyond being unsightly, ceiling tile discoloration can have serious causes, from water damage to tile mold. Before you overlook a stain or two, learn some of their top causes in West Jordan, UT.
About Ceiling Tiles
Dropped tile ceilings are a common go-to for many commercial buildings across the country. Reasons include:
- Easy removal for access to HVAC and electrical system
- Clean, simple appearance
Drop tiles can create a pleasant, conservative look but can quickly take on a downright ugly appearance when they become stained. Here are some of the reasons that happens.
Dropped tile ceilings have been popular for decades and in some buildings, have been in place for that long. The older the tiles the more likely they’ve been exposed to cigarette smoke and other pollutants. The result can be a darker color that may be impossible to get rid of.
Brown spots are often the biggest giveaway to a leak somewhere above the tile. They often start small and radiate outward over time. Beyond being an eyesore, these spots often signal bigger problems like tile mold, and should never be ignored.
The ultraviolet light so common in offices is not great for ceiling tiles. Over time, tiles exposed to UV rays can take on a sickly hue that isn’t very attractive.
From water leaks and tile mold to harsh light, there are lots of things that can trigger tile discoloration. When you see tile discoloration, it’s worth the time and money to replace the tile. Because tile mold can spread, if you suspect water damage is the culprit, make sure you consult a mold remediator. It could save you expense and headaches in the long run.
What Does Emergency Board Up Involve?
Board up your West Jordan,UT home
An emergency board up is one of the first steps you should take toward mitigation after a residential fire. You can board up your home with the assistance of at least one other person, but professionals may be better able to shield a residence from secondary damage and increase the likelihood that insurance will cover your claims. Here are three boarding up measures that most mitigation services take.
1. Assessing the Damage
You won't know how many sheets of plywood or tarps you will need until you assess the damage. Look for broken windows or damaged doors, holes in the roof, or missing roofing materials. Cover all of the places that expose the interior of a structure during the boarding up process.
2. Board Up Broken Windows
A fire or suppression effort can result in broken windows. Glass expands as it heats and tends to shatter before it melts. Debris or intruders can enter the site of a fire through broken windows and intensify the fire damage and any water damage caused by suppression efforts. Use plywood to seal damaged windows or doors and restrict access until mitigation and restoration are complete.
3. Tarping Over a Leaky Roof
Tarping over a roof can prevent water from working its way into the interior of a damaged structure. Cover penetrations with plywood first to provide an additional layer of protection. The tarp should extend one inch past the edge of the roof. Use screws to secure the tarp and prevent it from blowing off before repairs are underway.
You can follow these steps yourself, but it may take two or more people to board up a structure. Keep in mind that a residence that has suffered fire damage may not be structurally sound. Protect yourself and your property by hiring a mitigation company in West Jordan, UT to provide an emergency board up.
Understanding Business Interruption Insurance
Parking garage fire damage in West Jordan,UT
Few business owners would operate without insuring their building assets, yet fewer consider protecting the operation of their business. Do you have a plan for relocating should a storm make your building temporarily unusable? Could your business weather such a disruption? Fortunately, business interruption insurance exists to cover you in exactly these circumstances. Here’s a primer on just what this cover entails and how it can help you rebuild in West Jordan, UT following a disaster.
What Income Interruption Insurance Is?
Interruption policies help replace lost income and cover extra expenses when a business is impacted by a covered peril. Policies typically cover theft and a variety of weather-related circumstances, from fire and wind to falling objects and even lightning. Fallout from such interruptions can include
- Lost revenue from a temporary closed business
- Destroyed merchandise
- Temporary relocation
- Expenses to rebuild
A common scenario might involve a fire damaging a business, destroying merchandise. An interruption policy could reimburse you both for the lost income from the destroyed merchandise and for expenses that come from temporarily relocating your closed business.
What an Interruption Policy Is Not
Before you buy a policy, understand what isn’t covered. This type of policy does not cover flood damage. Business interruption insurance also is not a separate policy, but rather, an add on to a property insurance policy. Moreover, like any insurance policy, this type of policy has limits to how much coverage you can get and for how long. How long would it take to rebuild and get your business back to normal? Think about this when deciding on coverage.
However it comes, a blow to your business is stressful. Commercial interruption insurance can offer a life raft as you rebuild. Arm yourself with the right knowledge about these policies as you prepare for the unexpected and you’ll be sure to choose the right policy for you.
Insurance Rates: Understanding Common Causes of Rate Hikes
Drying equipment on a water damage in a West Jordan, UT kitchen
Homeowners assume that rate hikes are associated with every insurance claim, but that is not always the case. Several factors lead to rate hikes, and a claim is only one. Some of the leading causes of rate hikes are as follows:
1. Number of Claims
Rates reflect risks, and if you make repetitive claims on your policy, then that will signal your insurer that you are a liability and a risk, which will be reflected in your rates. While it is not always possible to avoid making claims, you should limit your claims to only issues you can’t handle on your own.
2. Type of Claims Made
Also, the type of insurance claim made can have varying effects on your rates. For instance, while water damage is one of the most common claims made by homeowners, the severity can differ depending on the cause and exposure. For example, a toilet backup that is contained in one small bathroom will not affect your rates as much as a pipe break that floods the entire lower level of your home.
3. Insurer Responsibility and Homeowner Liability
While a home flood will have an impact on your rates, the extent and value of those rate hikes come down to insurer responsibility and homeowner liability. Insurance companies have a responsibility to cover the costs stipulated in the policy agreement, but they also have the right to adjust their price based on a homeowner’s ability or inability to demonstrate responsible ownership. Constant claims or damages due to failed maintenance are red flags that result in higher rates.
4. Your Ability to Manage Your Property
Insurance companies want responsible clients. You can demonstrate this responsibility by performing routine maintenance and hiring professionals in West Jordan, UT, to conduct inspections, keeping copies of receipts and invoices as proof. Clients who can prove responsibility will likely maintain low insurance rates because they are not a high risk for insurers.
Many homeowners try to avoid making any insurance claim because they fear the potential rate hikes. However, if you are a responsible homeowner and perform routine maintenance and inspections, rate hikes don’t have to be such an area of concern.
Storm Damage Restoration In West Jordan, Utah
Water damage and flood damage in the West Jordan Utah area is quite common when the ground is saturated, and someone who has a pipe burst in their house must have an emergency crew arrive at their home as soon as possible. The crew will have a look at how the home has been damaged, and they will begin any drying and air movement protocols that will help the home recover. This article explains how water cleanup may be completed by the mitigation company as soon as they are called.
#1: Water In Your Home
The water in home issues that occur often happen around floods, and someone who wishes to prevent floods may ask the mitigation company to help them prevent future floods. The water cleanup process begins when the water is turned off, and the crew that shows up at the home will offer a number of services around a number of different pieces of equipment. They use industrial gear that will help the homeowner return to the house as soon as possible,
#2: Water In Your Business
There are quite a few owners who will be hit with water in business that must be removed by a professional. The professional crew will work on preserving all the parts of the building that may be saved, and they will help the client save all the items they wish to recover. The business owner may make specific requests of the company, and they will see their items brought out of the water to dry. The building will be put into a drying or air movement plan that will clean everything out, and the company will work until they believe the building has been wicked clean.
#3: Water Damage And Mold
Flood damage is a problem as it will cause mold to grow, and the business owner or homeowner must have the water removed as soon as possible. They may ask the company to check on mold or mildew growth in the building, and they will find it easier to get back into the space after it has been cleaned out. The West Jordan Utah homeowner who hires a mitigation company to help them must ensure they have asked about the growth of mold, and they will learn about preventing issues in the future.
The company may have many suggestions about waterproofing the house, and they may share information with the customer about how to prevent a flood in the future. The issues may reach into the lawn where the landscaping is not good, and the homeowner may need to do something to prevent water from running into the house. There are concerns about how the basement is waterproofed, and someone who has concerns about the way they are seeing water flowing into the house must ensure they have asked questions about how to install a sump pump.
Each property owner in the area will feel much better about the work they have done to their home when they call a professional cleanup crew. Visit http://www.SERVPROwestjordan.comfor more information on water loss.
3 Ways To Handle a Flooded Furnace
Dehumidifier on a water loss in West Jordan, UT
If a broken pipe or another water source causes a furnace flood in your commercial property, as owner you should immediately take steps to address the problem. A flooded furnace can pose a major safety risk and limit your ability to control the climate in the building. Depending on the type of furnace and water involved, specialists may be able to repair the furnace. Otherwise, you will need to replace the furnace and take precautions to prevent flooding from reoccurring.
1. Disconnect the Furnace and Fix the Leak
Whether your furnace is gas or electric, turn it off and disconnect it as soon as you discover that it has flooded. Identify the source of the water and resolve the problem before having the furnace repaired or replaced.
2. Clean and Dry the Furnace
You can attempt to clean and dry a furnace yourself, but you are more likely to resolve issues resulting from a furnace flood safely and successfully by hiring HVAC experts. These professionals can combine repairs with a thorough furnace and air duct cleaning or determine whether it will be more cost-effective to restore or completely replace the furnace.
3. Replace the Furnace
Depending on the source of the leak and the extent of the damage, you may save more money by replacing the furnace. Once the replacement is installed, take measures to prevent future flooding such as ensuring that piping and the building's sump pump are in working order. If you have warning in advance of flooding, you may also want to elevate the furnace to prevent future flooding.
Whether you ultimately choose to repair or replace a flooded furnace, you can make a more cost-effective and practical decision by consulting HVAC professionals. If you are dealing with other damage in addition to a furnace flood, reach out to a certified commercial water damage restoration company in West Jordan, UT.
What To Expect From a Water Damage Restoration Company
Flood damage caused by storm in a West Jordan, UT home
After a flood in your West Jordan, UT, home, you may be overwhelmed and not sure what to do next. After you contact your insurance company, the next call should be to a qualified storm restoration company. You may need a professional to assess the water damage, tear out the waterlogged materials and complete the restoration process. Once they arrive, the restoration professionals should follow the steps detailed below.
1. Assessing the Damage
Once the restoration experts arrive, they should begin the process of assessing the damage to your home. They can gauge how far the damage extends and what kind of contaminants might be present in the water. This ensures that the proper type of restoration is done.
2. Clearing the Area
Next, they should make sure all furniture, appliances and other belongings are cleared from the affected area. Anything that can be salvaged should be dried, cleaned and disinfected using specialized equipment and techniques. The technicians are specially trained to properly sanitize and deodorize each item.
3. Removing the Water
After the area has been cleared, the restoration specialists should use industrial-strength vacuums and pumps to remove as much water and debris as possible. They can tear out any porous materials that have been saturated and might contain harmful contaminants.
Once all the water has been removed, the hard-to-reach places should be dried out. By measuring the space, the relative humidity and the temperature, technicians can determine the exact type of equipment to use. Specialized dehumidifiers and air movers can be brought in to make sure all moisture is removed.
5. Restoring the Building
Once everything has been thoroughly dried and disinfected, the restoration process can begin. Repairs and restoration can range from relatively minor things like repainting and replacing drywall to major reconstruction of entire rooms.
A qualified restoration company can handle everything from emergency cleanup to tear out to reconstruction. By following the procedures outlined above, they can ensure that your home is safely restored to its former condition.
"Tips for Getting Rid of Musty Odors "
Mold damage on door in a West Jordan, UT home
When you smell an unpleasant, musty odor, you may quickly suspect mold growth somewhere within your West Jordan, UT, home. That impulse is a good thing. The sooner you clean up the mold, the better able you'll be to avoid any negative consequences. First, there are some key facts you should understand about this common household problem:
- Mycotoxins are toxic substances caused by a fungus or mold, and they lead to bad odors.
- A warm, moist area is the perfect environment for mold, but it can also grow in cold areas.
- Mold spores exist all around you, inside and outside.
- Most mold is harmless, but if ignored can spread to cause a lot of damage.
Identify the Problem
There are several tactics you can try to get rid of musty smells from mycotoxins. When you smell that musty odor, it usually means that you have mold or mildew somewhere in your home. The biggest contributing factor to mold growth is the presence of moisture. Get rid of the moisture and kill the mold you can see, and you're a step closer to a better-smelling home.
Locate the Mold
The next step is to find the source of the mold. Look in bathrooms, the kitchen, the attic, and the basement. Even the bedrooms, living room, and garage could be harboring a colony of mold. Once you find the problem, turn to a professional for thorough mold remediation.
Cut Out Moisture
Next, repair any water leaks in the home and dry up any areas of moisture. For example, if your basement flooded, you may still have damp areas beneath the carpeting. As long as that moisture remains, mold can continue to grow.
Ventilate the Odors
Finally, make sure you have plenty of ventilation flowing through your home. This usually just means opening windows and setting up fans throughout the house. You may also want to use activated charcoal, baking soda, or HEPA filtration devices to absorb unwanted smells. You don't have to live with the stinky symptoms of mycotoxin growth in your home. Take quick action to remediate the situation.