The Importance of Flood Insurance
People living in flooded areas should always have flood insurance
Most homeowner’s insurance policies do not cover flood damage, so many people are financially devastated when a flood affects their home in Highland Ranch, CO. However, the Federal Emergency Management Association National Flood Insurance Program (FEMA NFIP) is helping to increase the number of homes with flood insurance by providing affordable options.
Who Needs Flood Insurance
Although everyone should invest in flood insurance if doing so is financially possible, there are some areas of the country that are more prone to flooding than others. People living in the following areas should always have flood insurance:
- Low-lying areas
- Places prone to heavy rainfall
- Areas affected by wildfire
Many people are surprised when they see the last item on that list. It seems counter-intuitive that a place affected by a wildfire would also be prone to flooding. However, wildfire damage significantly alters the landscape of an area by destroying the vegetation that would normally absorb rainfall. With very little to soak up the water, rain levels that would not have been a problem before the wildfire cause flooding and mudslides.
How To File a Flood Insurance Claim
Filing a claim with your flood insurance company is similar to filing a claim with any other type of insurer in that you have to notify the company of the event and inform them of the damages. The insurance company then assesses the damage themselves and decides how much money to pay out. Unfortunately, the two parties may not always agree regarding the amount of a covered loss. To decrease the number of such disputes, FEMA NFIP and most insurance companies require you to submit a signed Proof of Loss statement. To support your statement, you should provide photographic or video evidence of your property both before and after the flooding damage. Both sets of evidence should be as detailed as possible.
Once you have successfully documented the damage from the flood and submitted it to your FEMA NFIP insurance company, you may wish to enlist a certified restoration company to restore your home to its pre-flood condition.
Using a Fire Extinguisher in an Emergency
When operating a fire extinguisher you should use the P.A.S.S. technique
Using a Fire Extinguisher in an Emergency
Seeing a fire extinguisher in public spaces or offices is often taken for granted. Luckily, actually having to use one can be a rare occurrence for the everyday person. Know the basics so you aren't caught unprepared in Castle Rock, CO.
In a commercial setting, some of the most common sources of fire are electrical equipment, lighting and a kitchen fire. Should this occur in your workplace or on your property while you are present, and the fire is still in an incipient stage, you should follow certain steps.
- Sound the fire alarm.
- Designate someone to call the fire department.
- Evacuate everyone you can from the area.
- Determine an evacuation route for yourself before getting closer.
- Choose the correct type of extinguisher to use.
When operating a fire extinguisher you should use the P.A.S.S. technique- pull, aim, squeeze and sweep. Fire, pull the pin near the top of the device. Next, aim low, towards the base of the fire. Keep your hands a safe distance from the discharge to avoid injury. Once you've aimed, squeeze the handle. Keeping to the base of the fire, sweep the nozzle from side to side in order to blanket it fully. Do this until it appears to be extinguished. If you have ceased squeezing but the fire has not gone out, repeat the process.
First you will want to back away, just in case. If the fire is still not out but the extinguisher is empty, evacuate immediately. If you are satisfied that it has gone out, you can inspect the fire damage. Do your best not to touch anything. Take plenty of pictures and document everything. Do not attempt to clean it up on your own, qualified fire remediation specialists should be consulted so that it is done properly. You should contact your insurance, as well.
A fire extinguisher can be your best first defense against growing flames. If it is used properly, you can stop the problem before it becomes an even bigger emergency.
Flood Damage Prevention Tips
If your business does experience water damage, call in the water remediation professionals right away.
It's always better to prevent a catastrophic event to your business than it is to clean up after one. This is certainly true when it comes to flood damage. Of course, there are some floods and large storms that cannot be avoided, but with preparation your company may be able to reduce the harmful effects of bad weather. In many areas of the country, powerful storms are on the rise, making it more important that you be prepared in Lone Tree, CO. Fortunately, your company can take a number of steps to improve its position when faced with a major storm. Since many businesses never recover from significant storm damage, you owe it to your customers and employees to be prepared.
Flood Proof Your Property
A few of the strategies to limit flooding are difficult to achieve. These include moving your business to a higher, safer area, elevating your building and constructing earthen barriers. However, your company can work to flood proof its property through the following methods:
- Building sensible and cost-effective barriers
- Installing seals and pumps in areas prone to floods
- Developing a flood emergency plan
- Establishing a flood maintenance and inspection plan.
Flood damage can be costly to a business and flood insurance is not always easy to obtain. Make sure you talk with your insurance carrier and understand your coverage for flooding.
Call in the Experts
If your business does experience water damage in Lone Tree, CO, call in the water remediation professionals right away. The quicker they arrive, the more likely they will be able to limit the damage caused by water. Utilizing special equipment such as fans, vacuums and dryers, they can begin to work on getting your business back in shape again. They will pay special attention to salvaging electronics, upholstery, fabrics and documents, as well as deciding if some areas such as walls or flooring will need to be replaced. Working on the principle of Faster to any size disaster, they will mitigate any flood damage.
3 Ways To Clean Up a Water Heater Overflow
A leaking water heater is a learning opportunity for responsible home care
Many people take their water heater for granted until something goes wrong. A problem such as a leaking water heater is often a wake-up call for proper maintenance. Learn how you can prevent an overflow and how to safely clean up the mess in the event of a malfunction.
Causes of a Water Heater Overflow
Water damage restoration professionals report several common causes of a failed water heater:
- Loose drain valve
- Leaky pipes
- Build-up of condensation
- Clogged vent
- Temperature pressure valve set too high
Yearly check-ups by a dependable company in Roxborough Park, CO is the best way to ensure that your water heater is in good condition. Routine maintenance can prevent an emergency and save you a significant amount of money.
Clean Up Water As Soon As Possible
If you’re the victim of a leaking water heater, it’s important to clean up the water that seeped into your basement or utility closet as soon as possible. Often, the standing water is hot, which means that the opportunity is great for bacteria and mold growth.
Use a Dehumidifier
If you mopped up pools of standing water, then your work is not done. It’s crucial to use a dehumidifier to draw moisture out from carpets, fabrics and walls. Letting the infected area air dry can lead to unsightly smells and permanent staining.
Salvage Your Possessions Safely
Many home possessions can be rescued in the aftermath of a broken water heater overflow. You can take furniture or plastic, ceramic and glass items from the flooded area and clean them. Use caution around electrical appliances, however. Significant contact with water can make them dangerous to use.
Every home has a water heater, but most people ignore this appliance. A leaking water heater is a learning opportunity for responsible home care. Educate yourself on the causes of an overflow and clean-up tips to prepare in case your appliance malfunctions.
5 Reasons To Get a Mold Inspection Before You Buy
Visible mold in a Beverly Hills, CO property
Five Reasons To Consider Getting a Mold Inspection Before Purchasing A Property
Buying a commercial property is a big investment. Before you sign on the dotted line, it's important to make sure you're not inheriting the previous owner's unresolved issues, including water damage and mold. Here are five reasons why you should consider getting a mold inspection before you purchase that property in Beverly Hills, CO.
1. You See Mold
This one's a no-brainer. If there's visible mold on the premises, you should contact mold remediation specialists promptly. They have the tools and expertise to handle mold safely and efficiently.
2. Something Smells Funny
Literally — if you detect a strange odor, it might indicate a mold problem. Not all mold smells the same, but it's frequently described as damp, musty, or smelling like nature.
3. You're at Risk for Floods
If your building sits in a floodplain, there's a decent chance it's been subjected to flooding in the past. Water damage is one of the leading catalysts of mold growth. Spores thrive in damp/humid conditions. If the probability is high that the location you're considering buying has taken on water before, a mold inspection can reveal whether or not the previous owner battled any unwanted water, and how he or she took care of it.
4. The Building Is Old
The longer your building's been standing, the greater the chance is that it's experienced water damage that may have resulted in mold. Remember: flooding isn't the only catalyst for water damage. For example, a variety of plumbing issues, especially with older pipes, can lead to water leakage or spillage that bears the potential for mold.
5. The Building Has Had Several Owners
The fact that a property has changed hands multiple times isn't necessarily a bad thing. It does, however, make it difficult to get an accurate and complete history of any structural problems and repairs that may or may not have taken place.
There are a variety of reasons to have a mold inspection performed before you purchase. If nothing else, a clean report will give you peace of mind. If the inspection does reveal a mold issue, you can contact a mold remediation company to handle the issue quickly and thoroughly.
Does Renters Insurance Cover House Fires?
Does renters insurance cover house fires?
As a renter, it is important that you know your rights and responsibilities under your Acequia, CO, renters insurance policy. In the case of a house fire, your rental insurance can cover a range of expenses that you may experience. While the homeowner's policy should pay for the costs of repairing the structure itself, look for a renter's policy that includes the following protections for you.
First and foremost, your renters insurance should include replacement of damaged personal property. After fire damage takes place in your rental residence, it is important to report damaged goods to your insurance provider by taking pictures and submitting claims. Common personal property covered by your policy may include the following:
As a renting tenant, you don't want to be held responsible if a fire from your rental spreads to neighboring residences. Liability coverage under your rental policy may help with any costs that may arise as liability claims. Whether someone is injured or requires restoration services after a fire starts in your residence, liability coverage will help keep you protected.
After a house fire, it is likely that your residence will not be safe to live in for some time. Until arrangements can be made for full fire restoration services, you may need to seek out temporary living. A good insurance policy for renters will include some reimbursement for necessary hotel stays or short-term housing.
After experiencing a residential fire in your Acequia, CO, rental, contact your insurance provider immediately to report damages and file claims. Be sure you understand which expenses are reimbursable under your particular policy. Ask about the steps required to file for repayment of your personal expenses. Keep in mind that many renters insurance policies have a required deductible which needs to be paid in order to receive payment for covered losses. Generally, rental insurance will have you covered in the case of a house fire.
Know How To Prepare for a Flood Before it Happens
An emergency kit should contain a flashlight, first aid kit, knife, water, canned food, lighter, and candles
Know How To Prepare for a Flood Before it Happens
If the flood warning in Carriage Club, CO has come in, it is time to act. There are preparations you need to do to make sure your home and, more importantly, yourself are safe. Your top priority should always be your own safety, instead of any possessions or pets. You should never:
- Stand in, walk through, or swim in flood water.
- Refuse to evacuate if instructed to. You should go to the designated evacuation area or seek higher ground.
- Stay on bridges over water longer than you have to.
- Ignore barricades.
If the flood warning has not come in yet, then there are some things you should do nice and early so your home is ready in case the flood water starts to rise.
Preparing for a Flood
The first thing you should do is create an emergency kit so you will have tools and rations during a flood. It should contain a flashlight, first aid kit, knife, water, canned food, lighter, and candles. You might want to purchase sandbags as well so you can line them in the doorways and any basement windows. If you have any outdoor items or furniture, it is time to bring them inside.
A few things you can do for a less severe storm would be to check your roof to make sure it will not leak and clean your gutters. You may not be facing a natural disaster, but minimizing water damage is still beneficial. This is also a good time to review your insurance policies.
After a Flood
If you come back home to find a flooded building, it is time to contact a restoration company in Carriage Club, CO. It is important to remove any flood water that may have soaked into your home's walls or floors because it likely contaminated with potentially dangerous bacteria. In fact, it may not be a good idea to even enter your home until restorations have been completed.
3 Tasks for Post-Fire Recovery
Securing your damaged property
3 Tasks for Post-Fire Recovery
When hard times fall on your business, it can be difficult to pick yourself up. This goes especially if your property goes up in flames. For companies in Heritage Hills, CO, fire restoration is a tough place to be in. If you take a deep breath and remember to focus on the positive, you can recover from this. Restoring your workspace can have a good head start if you remember three tasks:
Call for Insurance Claims
This is what your Business Owners Policy is for. Fire insurance should be listed as part of your coverage. When you call, make sure to have these on hand:
- A list of the property you’ve lost
- Dates & times of loss
- A police report
Keeping these close by may help speed the process. Remember, your insurance agent should help you when you call. If you have forgotten something, simply ask for a moment to collect the information.
Securing Your Damaged Property
It may seem counter-intuitive, but do not try the fire restoration on your own. At first, the damage must be displayed in its natural state for the professionals to ascertain what was lost. Of course, make an inventory, and take pictures of the damage, but try not to touch it. Also, try not to worry, for fire repairs or smoke cleaning, help can always be a phone call away.
Locating a New Workspace
During stressful times, your revenue may not be far from your mind. It should be a good choice to find a place to put the property you did manage to save. If you need a new office or storage space, consider searching online for emergency locations nearby. You may find a temporary space to operate from as repairs are underway.
For business owners, fire restoration can take an emotional toll. However, if you mark these tasks off your checklist, you should be well on your way to a successful recovery. Remember to file your claim, secure your property, and locate a safe space.
Why It’s Important To Recognize the Source of Water Damage
Washing machines are examples of grey water
The Importance of Recognizing the Three Distinct Categories of Water
Managing a flooded office space in Heritage Hills, CO, can be a daunting experience, especially if significant destruction occurs. To minimize downtime and the risk of secondary damage, completing a water pipe repair and cleaning the affected space should be top priorities. Although these tasks are essential, it’s also important to recognize the three distinct categories of water sources and abide by established protocols to eliminate any unsanitary conditions.
1. Category 1: Clean Sources
Water seepage from a broken pipe, faucet or drinking fountain are examples of clean sources that pose no immediate risk. If not promptly addressed, however, Category 1 water leaks can degrade to Category 2 seepage and leave your facility vulnerable to mold contamination.
To prevent additional destruction, promptly remove standing water and saturated materials. Utilize fans and dehumidifiers to expedite the drying process.
2. Category 2: Grey Water
Category 2 water damage originates from a dirty water source that may contain bacteria and other contaminants. Dishwashers, washing machines and toilet overflows involving urine are examples of grey water. Standing water from clean sources may also be classified as Category 2 after 48 hours. Because of this, waiting to initiate cleanup operations until after a water pipe repair is complete can complicate the process.
As a precaution, you should sanitize any area affected by grey water infiltration. To minimize the risk of mold growth, remove saturated building materials, such as carpets, drywall and insulation, and promptly dry the space.
3. Category 3: Unsanitary
Category 3 damage is highly unsanitary and may contain disease-causing organisms. As a result, flooding from overflowing rivers, sewage backups and other potentially contaminated sources usually require extensive sanitation and professional water damage cleanup and restoration. Because of the filthy water source, many saturated objects may be unsalvageable.
When it comes to water damage, initiating a water pipe repair may be only part of the challenge. Recognizing the source of flooding is vital to completing a thorough and efficient cleanup, safeguarding the health of staff and patrons and preserving the structural integrity of your building.
Understanding the Levels of Water Contamination
The riskiest category is “category three,” sometimes also called “black water.”
Understanding the Levels of Water Contamination
Having fresh, clean water is truly a privilege for everyone who has access to it in Castle Pines, CO. However, even in highly developed areas, there may be times when water may become contaminated, making it unsafe to consume or use. Understanding when water is safe for an individual and a family to drink, shower, and use for bathing is very important. There is a grouping system that is designed to explain and categorize different levels of contaminated water. Here is an explanation of the three categories that are assigned to water contamination, and it may be beneficial for an individual to familiarize himself or herself with these categories to better understand when water is unsafe for use.
1. Category One Water Classification
Water that is categorized as a “category one” is considered safe for individuals to use. Some examples of category one water may include tap water from a sink or water from a shower. This category may also include water that comes from a toilet overflow or a shower overflow, possibly caused by a damaged water supply line. This category of water is the classification and may not pose a risk to a person if it touches the skin or is consumed.
2. Category Two Water Classification
“Category two” water is designated as water that is not safe for people and may contain harmful elements and organisms, including mold and bacteria. Category two water may be moderately contaminated and consuming it or bathing in it may cause illness. Category two liquid may also be referred to as “grey water,” and can include water from a dishwasher, for example.
3. Category Three Water Classification
The riskiest category is “category three,” sometimes also called “black water.” This water may be highly contaminated and drinking it or showering in it could possibly cause severe illness. This category classification level may result from a sewage leak, for example, and the contaminated water could contain high amounts of unhealthy substances such as Escherichia coli (E. coli) bacteria. Understanding this categorization system may be helpful and contacting a professional to aid in handling contaminated water might be a life-saving decision.