Recent Posts

Does Renters Insurance Cover Mold Damage?

7/28/2020 (Permalink)

Mold containment. Plastic barrier along side of a wall Mold remediation in Acequia, CO

Mold growth in your Acequia, CO, rental home can be a major headache. Fortunately, in many cases, rental insurance can help you address problems resulting from a mold infestation.

What Renters Insurance Covers

When it comes to mold growth, a general rule can be applied to most mold damage claims: if the mold growth resulted from a covered loss, then the mold damage is also covered. There are a few causes of mold growth that are rarely, if ever, covered under renters insurance, including the following:

  • Tenant negligence
  • Landlord negligence
  • Weather-related flooding

Negligence on the part of the landlord is usually addressed in the lease and must deal with using the legal system. Insurance companies do not pay for damage caused by the insured's negligence, such as not cleaning up a spill in a timely manner. Flooding, such as by weather or other natural events, must be covered by a separate policy. Remember that these are generalities. The only way to know for certain what is and is not covered by your renter's insurance is to speak with your insurance agent to ensure you fully understand your policy.

Preventing Mold Growth
Although rental insurance can help you financially if you suffer mold damage, it is generally simpler to prevent mold growth in the first place. Keep the humidity in your home below 60 percent. You may have to run a dehumidifier in the bathroom, basement, or other areas prone to excess moisture. Routinely check for signs of mold growth in every room. Be sure to inspect vents and paper products. Clean up spills immediately and notify your landlord of any leaks as soon as possible.
Unfortunately, even the most conscientious renter can suffer mold growth. While rental insurance can help you financially, you may need a certified restoration company to help with mold removal and restoration of your mold-damaged personal possessions.

Fire Preparation Checklist for Business Owners

7/6/2020 (Permalink)

Fire extinguisher in the operating department You need an adequate number of working fire extinguishers in your building

Fire Preparation Checklist for Business Owners

When you own a business in Carriage Club, CO, keeping your employees and everyone who visits the building safe is likely your number one concern. One of the ways you do this is having clear business fire safety standards and protocols. Use this checklist to ensure your building and all its inhabitants are protected.

1. Fire Extinguishers
Big fires that destroy buildings often start as small, manageable ones. To prevent large-scale fire damage, you need an adequate number of working fire extinguishers in your building. All extinguishers should be mounted in a clear view and should be spaced apart so that no one is ever more than 75 feet from the nearest device. It is especially important to have a fire extinguisher in high-risk areas such as kitchenettes with cooking surfaces.

2. Internal Precautions
Your sprinkler system is your first line of defense against a business fire. Have sprinklers inspected frequently to ensure they are in good working order and are unobstructed. The sprinklers only work as well as the rest of your system, though. Test your fire panel frequently and make sure that fire doors and shutters are working properly.

3. External Precautions
In the event of a fire, it is imperative that emergency personnel can easily locate your building. The street number on your building needs to be highly visible, and your fire lane needs to be clearly marked. All exits need to be unlocked to give easy access to firefighters.

4. Safety and Emergency Plans
Fire safety is everyone's responsibility. Fire mitigation experts recommend that every employee is trained in fire prevention standards, including proper storage of flammable materials and basic fire code. Your fire preparation plan should also include evacuation procedures in case a fire does break out.
A business fire can happen in any commercial building. By following this checklist, however, you can take steps to lower your risk and keep everyone safe.

How an Electronic Inventory System Can Help Your Insurance Agent With Your Claim

6/20/2020 (Permalink)

How an Electronic Inventory System Can Help Your Insurance Agent With Your Claim

If you’ve had to file an insurance claim after a storm at your Heritage Hills, CO, business, then your agent may have recommended working with a preferred restoration vendor, such as SERVPRO. One of the reasons for doing so is the ability of these crews to work with your agent to provide them with the information they need for your claim. One of the tools for doing so is an electronic inventory system. Here are a few things a system like this can do.

1. Organized Data

An electronic inventory system can be used to help organize the various data associated with your restoration in one place. This can help ensure your insurance agent can find the information they need without searching through a ton of files or trying to play phone tag with the restoration team. This may save them a lot of time.

2. Remote Access

In addition to organizing files, the database can be accessed remotely. This means that no matter where your agent may be working on the insurance claim, they can still receive any data they might need.

3. Store a Variety of File Types

Another benefit of this system is the wide variety of file types that can be stored. In addition to cost estimates, repair schedules, and progress reports, an inventory system can also be used to store photographs of the damage, and itemized lists of affected office inventory. This means that all the documents that may be needed can be kept in a single location.

When working on your insurance claim, your agent may recommend a restoration team, like SERVPRO, to help with the repairs on your company property. This may be due to the fact that this restoration service has an electronic inventory system that can benefit your agent in a number of ways. If you have further questions about what this system can do your restoration professional should be able to help.

Best Ways To Prevent Water Damage in the Home

5/27/2020 (Permalink)

Pipe insulation Insulate your pipes in the wintertime when temperatures fall

Following These Tips Can Give You A Peace of Mind

If the unthinkable happens and there is flooding in your home, you could face costly repairs and a lot of stress and grief. Some disasters happen with no warning. You may not even be able to prevent others. However, there are some prudent steps you can take to avoid water in home. Following these tips can give you peace of mind.

Check on Appliances Regularly

Household appliances offer convenience and make a lot of tasks easier. Unfortunately, appliances are also among the biggest causes of water in home. At least once a year, you should have a professional tune up your appliances. Some of the biggest culprits for water issues include:

  • Refrigerators
  • Water heaters
  • Dishwashers
  • Washers
  • Ice makers

Repair or Replace the Rain Gutters
A reliable set of rain gutters do an effective job of taking rainwater and melted snow away from your home. However, if your gutters become clogged with dirt and debris, they can have the opposite effect. When the gutters don't divert the water properly, it can rot roof shingles and lead to leaking. Also, if the downspouts aren't sending water away from your house, it will pool by the foundation, increasing the risk of flooding. Look at the gutters and downspouts regularly. Clean them out or buy new ones when necessary.

Inspect the Plumbing
Homeowners in Highland Ranch, CO, experience flooding often point to a broken pipe as the culprit. Have a plumber look at your system each year. If you spot cracks or leaks, repair or replace the pipes immediately.

Insulate the Pipes
Another way to avoid pipe cleanup is to keep them from bursting. You can do this by insulating them in the wintertime when temperatures fall. This will prevent the water from freezing, breaking the pipes.
It's never fun dealing with water in home, but there are ways to keep this ordeal from happening to you. While professional water mitigation companies can help restore your home, you're better off staying away from flooding problems altogether.

Safety Tips to Avoid a Candle Fire

5/27/2020 (Permalink)

Lid candle Never leave a burning candle unattended

Safety Tips to Avoid a Candle Fire

The ambiance candles provide can create a welcoming and calming aura in your Castle Pines, CO, home. From romantic dinners to festive occasions, they add a certain appeal, as well as a pleasant aroma. Unfortunately, not burning them safely can lead to a candle fire. If not quickly extinguished, your pleasant-smelling may need a smoke cleanup and fire damage expert to get rid of the unpleasant smoke scent and charred walls.

The Right Way to Burn

Always remembering that a candle fire can happen is the first step in safely using them. Below are additional tips to minimize the chance of the gently flickering flame starting something on fire.

  • Never leave a burning candle unattended.
  • Place candles in locations difficult for pets or small children to reach.
  • Candles should only be placed on a stable surface that is heat-resistant.
  • Keep candles away from flammable materials, such as curtains, placemats, clothing, and paper.

Trip wick to ¼ inch before use to ensure an even burn and reduce potential flare-up.
Once there is only ½ inch of wax left, discard the candle. Don’t burn it until it goes out.
Use a snuffer to extinguish candles instead of blowing them out, which can cause the wax to splatter.
If the candle doesn’t come in its own container, only use a heat-resistant, sturdy holder that is designed to catch any dripping.
Avoid touching or moving a candle until completely cooled.

Alternatives to Consider
Whether it is the low lighting, fragrance, or both that create the appeal to burn a candle, they are many alternatives on the market that can provide the same ambiance. Battery candles can recreate a flame flickering and often come with a timer to instantly turn on and off at certain times. If the aroma is more of a concern, electric wax warmers have grown in popularity. Potpourri and oil diffusers are another way to keep your home safely smelling great.
Even if you prefer using standard methods, remembering to safely burn them every time can help avoid a candle fire.

When Is Professional Water Damage Restoration Necessary?

5/11/2020 (Permalink)

red, black and white Danger, Water May Be Contaminated warning sign Water damage that involves contamination calls for professional expertise

Major water damage can ruin building materials and contents while posing a risk of secondary damage such as mold. It is difficult for a business owner to accurately assess the severity of water damage. From a sewer backup to pipe burst cleanup, here are several scenarios in which damage mitigation and restoration experts can minimize property damage at a building in Lone Tree, CO.

Contaminated Water

Water damage that involves contamination calls for professional expertise. The following measures are typically necessary for damage caused by Category Two gray water or highly contaminated Category Three black water:

  • Containment
  • Extraction
  • Disinfection
  • Drying

Porous building materials exposed to contaminated water may need to be torn out and replaced. Some contents are also likely to require replacement. A sewer cleanup company can provide these services and advise business owners about ways to limit contagion or mold risks.

Pooling Water
A broken pipe can introduce a large amount of clean Category One into a structure. Depending on how much water is released before the supply is shut off, business owners may only need to extract as much water as possible and promote drying. Residual moisture could still pose a risk of mold. Professional pipe burst cleanup is the fastest and most thorough way to limit damage.

Damaged Materials
Damage cleanup and restoration professionals can make informed recommendations regarding water-damaged building materials or contents. It may be possible to clean some items exposed to contamination. Replacing porous materials that are difficult to thoroughly disinfect or dry can prevent recontamination or secondary damage.
While a business owner may be able to complete a minor pipe burst cleanup with the right equipment, obtaining and correctly using these tools is more challenging and time consuming than contacting restoration experts in Lone Tree, CO. The fastest way to get back to business is to rely on trained specialists to clean and dry water damage.

3 Common Causes of Commercial Mold Problems

5/11/2020 (Permalink)

Leakage Of Water From Stainless Steel Pipe On Gray Background Many mold problems originate when a leak damages building materials

Why Fungus May Start To Grow?

Regular maintenance is necessary to prevent structural systems such as HVAC, plumbing, and roofing from supporting mold growth in a commercial building. The owner or manager of a property should be aware of why fungus may start to grow and require mold removal.

1. High Indoor Humidity Levels
Mold is more likely to grow when indoor relative humidity exceeds 60%. Ambient moisture in air can support growth, as can water damage from leaks. Mold also requires organic food sources such as cellulose, a plant fiber present in many building materials. Controlling moisture levels is an essential part of stopping growth and mold remediation.

2. Infrequent HVAC Maintenance
The climate control system in a commercial building has a number of components that can support mold growth. Moisture and debris accumulate in ducts, drip pans, and evaporator coils, all of which are ideal environments to support growth. Regular maintenance on this system should keep mold at bay. Once growth has started, ductwork and fans may spread spores throughout a structure and make mold removal more complicated.

3. Leaky Plumbing or Roofing
Many mold problems originate when a leak damages building materials. If the pipes in a building or the roof tend to leak, repairing the problem or replacing these components may be worthwhile to avoid the need for commercial mold cleanup. The sooner these repairs take place, the lower the risk of major water and mold damage. It is a good idea to rely on licensed contractors to ensure that critical systems are properly installed and maintained.
If any of these issues has caused a mold problem at a building in Roxborough Park, CO, the owner or manager of the property should schedule an appointment with a mold removal service. Addressing any underlying problems with HVAC, plumbing, or roofing maintenance or repair is essential for making interior conditions less conducive to mold growth.

4 Ways To Hastily Dry Your Home After a Flood To Prevent Mold Growth

4/29/2020 (Permalink)

Open window through the curtains Allowing air to circulate throughout your home is one way to start the drying process

Four Methods That Can Help Dry and Remove Moisture

It doesn’t take long for mold growth to accelerate in your home after a flood, and hazardous bacteria can similarly start to propagate in water left to sit for more than 24 hours. While immediately calling a storm damage restoration company located in Castle Rock, CO, is the safest, most effective way to mitigate water damage after serious flooding, here are four methods that can be used to help dry and remove moisture from your home.

1. Turn on a Dehumidifier
A dehumidifier is useful for removing humidity from the air and extracting moisture from deep inside walls and flooring where mold growth can remain hidden. To effectively reduce the relative humidity of the flooded area, make sure all doors and windows are closed.
2. Open Doors and Windows
Allowing air to circulate throughout your home is one way to start the drying process. As long as it isn’t wet or raining outside, opening all your windows and doors can help moisture escape if you have no other equipment on hand.
3. Move Air With a Fan
Another way to promote circulation is to use fans to push air around. For this method, the more powerful the fan the better. As long as it is safe to use electricity, they should be positioned close to the most flooded areas. If it is possible there is mold growth in your HVAC system, avoid turning it on to prevent spreading the contamination.
4. Save Saturated Carpets With a Wet/Dry Vacuum
A wet/dry vacuum or extractor is one of your best chances at salvaging carpets that have been soaked with water. Make sure to avoid this step if you suspect any contamination.
While mold removal is best handled by the professionals, acting quickly to dry your home after a flood can prevent mold and bacteria growth from getting out of hand. These four methods can help speed up the drying process as you wait for help to arrive.

Weather Downtime Losses with Business Interruption Insurance

4/20/2020 (Permalink)

Causes of business interruption Ensuring interruption insurance is part of your policy’s coverage makes it a little easier to deal with a disaster

Weather Downtime Losses with Business Interruption Insurance

Savvy business owners in Beverly Hills, CO, understand the importance of being insured. If damage happens, it can bring peace of mind that replacing equipment or making repairs will be a limited expense. If a severe storm or fire wreaks extensive havoc, it could mean downtime that results in lost revenue. Ensuring that your commercial property or business owner's insurance includes interruption insurance offers relief in trying times.

Interruption Coverage
A small event often means little if any downtime. When a partial- or total-loss fire occurs, it could mean the end of your business. Along with recouping vital documents and equipment, the fire restoration process could take a significant amount of time, meaning daily lost revenue and bills piling up. In most policies, business interruption insurance assists with the following in regards to the aftermath of a fire:

  • Revenue and sales lost if fully operational.
  • Evacuation or temporary relocation costs.
  • Associated expenses from moving to a temporary location, which may include transportation and marketing.
  • Monthly expenses associated with the damaged property, such as utility services, employee wages, rent, loan payments, and taxes.
  • Reasonable extra expenses related to the interruption, such as temporary workers or leasing equipment.

Restoration Coverage
Most interruption insurance policies have a set timeframe that the policy will assist with lost revenue and expenses, although many last up to a year. Understanding each individual policy is key to being prepared in the event of a major incident. During the period the insurance kicks in, business owners are expected to keep up with repairs in a timely manner to continue receiving payments. Working with a professional storm, fire and water damage specialist is the best bet to ensure repairs are done the right way as fast as possible.
While most businesses remain positive that they will be exempt from a fire, massive water damage or severe storm, understanding it can still happen is important. Ensuring interruption insurance is part of your policy’s coverage makes it a little easier to deal with a disaster.

What To Do Before and After a Flood

4/9/2020 (Permalink)

water barrier of sand bag to prevent flood Sandbags or other barriers help keep flood water from entering your building

Flood water in your Acequia, CO, business is never a good situation. Fortunately, there are many things you can do to prepare your building for the next heavy rain and restore it afterward.

Preparation

Before a storm hits, make sure your building is ready. The following are key things you can do to keep your structure and contents safe from water damage:

  • performing routine maintenance
  • installing sandbags
  • keeping electronic copies

Routine maintenance keeps your building sturdy enough to weather heavy winds and rain. You can catch leaks and other problems before they become big problems. Sandbags or other barriers help keep flood water from entering your building. Remember to attach a tarp to the side of the building before installing the barrier. Finally, keeping electronic copies of important documents ensures you have access to your records even if the hard copies are water-damaged.

Restoration

A flooded building should be dried out as soon as possible to prevent mold, which can begin growing within 24 hours. The first step is extracting the standing water from the building. There are specialized pumps and vacuums available. You can also use buckets to scoop out the water. After the standing water has been removed, there will still be moisture on porous surfaces. Fans and dehumidifiers can speed the drying process. If the outdoor humidity is low enough, you can open the windows and doors to increase air flow. Next, be sure to disinfect all surfaces that came into contact with the water. Anything that cannot be fully sanitized and dried should be thrown away. After everything is clean and dry, you can begin repairing damaged items. There are specialists who can help restore water-damaged electronics, antiques, and other delicate items.
If flood water damages your building, it may be wise to seek professional help. A professional restoration service can help you get your business back to normal quickly and safely.