What Homeowners Insurance Means For Broken Pipes
A broken pipe doesn’t have to mean going broke fixing your home.
A bursting pipe leads to a flood of water and costs. Insurance will reduce the costs once the claim goes through. Understanding the process is essential to know what to expect from homeowners insurance when your home has an unexpected pipe issue.
First, insurance companies will send an inspector to your home to evaluate the circumstances of the claim. They will evaluate if the break was unexpected and unpreventable. They consider several situations homeowner negligence:
• An unthawed frozen pipe bursting when a heater could’ve been used
• Ignoring a long-term leak
• Tampering with the pipe and breaking it
• Not attending to aging or rusting pipes with regular home maintenance
It’s the burden of the insurance company to prove fault. Insurance will only cover what’s needed to fix broken pipe if the damage is unmistakably an accident.
What Is Covered
Once the policyholder is cleared of any fault, the insurance coverage deploys. Most policies will cover every cleanup and repair service necessary up to the policy’s monetary limit.
There are additional parts of an insurance policy that may be applicable to you. Dwelling coverage is offered to make sure your home is structurally sound by covering the repair of pivotal parts of your home such as walls, roofs, and floors. Property coverage ensures your belongings up to a limit if they are damaged or lost in a flood. Lastly, additional living expenses coverage pays for a hotel and accommodations if you are not allowed to reside in your home during restoration.
The pipe will be repaired by a plumbing professional arranged by the insurance. The secondary e from the burst or leak will be handled by an expert water damage cleanup crew. Drywall, carpet and paint restoration are included in these services.
A broken pipe doesn’t have to mean going broke fixing your home. An unforeseen flood in Dover, NJ, is easily remedied by using and understanding your insurance. For more information, visit http://www.SERVPROdoverstillwater.com/.
3 Things You Need to Know About Category Three Water Damage
When flood water fills your commercial building in Dover, NJ, you need to consider its source to determine your best course of action.
If you ever have to deal with water damage in your commercial building in Dover, NJ, the cleanup process may depend on the type of water that fills your space. Most flood water can be categorized as clean, gray or black. Clean, or category one, water comes from a broken water line or another clean source. Gray, or category two, water comes from appliance overflow and may contain some bacteria. Black, or category three, water is the most contaminated. Here's what you need to know about category three water:
1. Where it comes from. This dirty water can come from a variety of sources. River overflow, sewage backup and stagnant standing water could fall into the black water category. Sometimes the contaminants are already in the water when it enters your building, but standing water can start to grow microbes if left alone for too long.
2. What it contains. You know that this category three flood water is contaminated, but what exactly does that mean? In most cases, this type of water may contain fecal matter, chemicals, mold spores, bacteria or viruses. Toilet overflow and other sewage backups often fall into this category because of their source.
3. What to do. If your building is full of water that could be highly contaminated, what are you supposed to do? Your first step should be to call in a commercial water damage restoration team. These professionals can help you get rid of the potentially dangerous water, stop the source of the water, cleanup the microbes and repair any water damage. Calling a team in quickly may help you keep the damage to a minimum.
When flood water fills your commercial building in Dover, NJ, you need to consider its source to determine your best course of action. No matter what category the water falls into, it is still beneficial for you to start the cleanup process as quickly as you can. For more information, visit http://www.SERVPROdoverstillwater.com/.
What Can You Expect During Storm Damage Repairs at Your Business?
Expert storm damage technicians may be able to put your mind at ease by offering a variety of services, large and small, to restore your business.
When heavy thunderstorms cause torrential rains, hail and high winds in Dover, NJ, your commercial building could suffer considerable damage as a result. While this can be stressful for you, having a storm damage and flood cleanup service on call to come make repairs might give you peace of mind despite the destruction. From draining away water to drywall tear out, you can expect this type of company to perform a variety of actions when it comes to the restoration of your business.
Flood waters can come from several sources, but one of the most common is from overflowing rain water during heavy rains. This type of flooding can be contaminated with an array of toxins, including:
• animal feces
• sewage runoff
• chemicals from drain runoff
Flood cleanup techs can prevent the spread of this water inside your building by sealing off affected areas and using sump and trash pumps to drain it away.
Drying and Deodorizing Services
After a flood, water damage may leave behind stains, mold growth and foul odors. Flood cleanup techs will likely eliminate these problems by performing the tear out of drywall and damaged insulation and using specialized tools to clean and deodorize any areas affected by flooding. If mold is detected, your techs may provide you with several options for eliminating it.
Restoration of Damaged Items
If you have any inventory or equipment affected by flood waters or mold, cleanup techs may include storm restoration services as a part of their repair plan. Clothing, books, important documents and office furniture may all be salvaged and restored by the specialized processes a flood cleanup company offers.
Whether you need drywall tear out or flood water mitigation for your commercial building after storms in Dover, NJ, having a flood cleanup company on hand can be helpful. Expert storm damage technicians may be able to put your mind at ease by offering a variety of services, large and small, to restore your business. For more information, visit http://www.SERVPROdoverstillwater.com/.
What To Do After the Fire: 3 Steps
When starting the fire restoration process, you're likely adding one more responsibility to your long line of daily work duties.
Lining up a plan after your building has experienced a fire can seem like an enormous burden. Setting aside time to deal with such a mess probably wasn't on your schedule, and it can be difficult to juggle the cleanup process alongside your own work. No matter how serious the situation is looking, fire restoration doesn't have to take over your life; instead, follow these steps to ensure everything gets back to normal.
1. Make the Calls
After emergency procedures have been set into motion, tasks that follow usually include a call to your insurance agency. Your fire insurance coverage will depend on your policy and the extent of the damage. You may also want to get in touch with a fire damage specialist who can give a thorough inspection of the building.
2. Steer Clear
A fire can affect the materials of your building in a number of ways, so it's important that you refrain from touching any of the damage prior to the smoke cleaning process. Boarding up the property is one way you can protect the interior from looters or extreme weather. Plywood is the most commonly used material to board up windows and doors after a fire.
3. Begin the Restoration
You may have already brought in the help of professionals to board up your building in Dover, NJ, but it's key that you get a proper cleanup as well. The pros will have the appropriate equipment to clean the fire effectively – so you won't have to deal with lingering smoke damage in the future. The same goes for any water damage that might have occurred.
When starting the fire restoration process, you're likely adding one more responsibility to your long line of daily work duties. Check off that box on the to-do list and hand the hard work over to the specialists. For more information, visit http://www.SERVPROdoverstillwater.com/.
Soot and Smell: Cleaning Up After a Fire
Having your home in Dover, NJ, cleaned and restored thoroughly may take a long time, but the results are worth the wait.
If your home in Dover, NJ, catches fire and undergoes the extensive damage that typically follows, one of your first calls should be to your local fire restoration specialists. While the main problems you see may be the soot and smoke damage that permeates your home, there are many steps that come before taking care of those particular issues.
Preparing for Cleanup
The professional technicians that you hire to restore your home starts by addressing the dire circumstances that could cause further damage. Before getting to the soot damage, these specialists complete a number of tasks:
• Inspect property and assess damage
• Secure home from outside with boards and tarps
• Extract water caused by sprinkler system, busted pipes or broken sewer lines
Only after these steps have been taken can the restoration experts begin the smoke cleaning process.
Cleaning the Grime
Ridding your home of smoke damage may take some time. After all, there is a lot of surface area to clean, and all of it is probably covered in soot. Technicians will probably start with walls and ceilings. Countertops, hardware and appliances that survived the fire must also be cleaned. Through the use of special techniques and equipment, every surface must be cleaned and sanitized.
Deodorizing the House
After all surfaces and items remaining in your home have been thoroughly cleaned, and every item that could not be salvaged has been removed, the experts move on to removing the smell. Cleaning the soot damage off every inch of the house may help reduce the odor slightly, but additional measures are necessary for full restoration. Technicians may have to bring in fogging equipment or industrial air scrubbers to remove the smell of smoke from the air.
Having your home in Dover, NJ, cleaned and restored thoroughly may take a long time, but the results are worth the wait. It is a good idea to discuss the process and the timeline when you hire restoration specialists. For more information, visit http://www.SERVPROdoverstillwater.com/.
The Disgusting Truth About Lawn Slime
Lawn slime sounds like something out of a Ghostbusters film, but what it actually is is slime mold: a saprophytic fungus that feeds on the dead organic matter. It’s hard to miss slime mold on your Dover, NJ, lawn when it’s often brightly colored and covers everything in slimy patches. So how can you get rid of outdoor mold, and make sure it never comes back?
Tips for Getting Rid of Lawn Slime
Once you’ve got lawn slime, all you can think of is getting rid of it. Here are just a few remedies for this pervasive outdoor pest:
• Rake up debris and ground cover. The thatch covering your lawn is often made of dead leaves, grass, and twigs – and is perfect food for slime mold. When you’re raking it up, you’ll also take a good deal of the mold with it.
• Trim your shade trees. Dark areas let slime mold proliferate, while sun dries it out and kills it.
• Switch to a sandy topsoil. Lawn slime has trouble taking root in sandy soil, but there are plenty of attractive lawn grasses that can still thrive even where slime mold can’t.
• Avoid “natural” remedies. While you may hear that tea tree oil and other natural remedies can help kill slime mold, it’s more likely to kill your grass. Killing your grass just gives the slime mold more to feed on, and can actually help it proliferate.
Preventing Lawn Slime in the First Place
The best offense is a good defense, and one great way to get rid of slime mold is to defend against it in the first place. Since slime mold feeds on dead matter, routinely clean your lawn of debris and rotting leaves. Also, don’t over-water your lawn; too much moisture creates perfect conditions for slime mold to grow. If you’re struggling to figure out ways to free your lawn from mold, a professional consultation with mold remediation specialists may help. For more information, visit http://www.SERVPROdoverstillwater.com//
Quick Look at Common Damages Caused by Hail
If you've had hail damage done to your Dover, NJ commercial building, you know this type of storm damage isn't pretty. What you might not know is that hail can actually cause a variety of problems for your building.
The damages usually fall into two different categories. It's either functional or cosmetic damage. Functional damage is something that will affect the performance of your building, usually the roofing system. Cosmetic damage is something that only affects the look of your building.
Here is a list of the common damages caused by hail during a storm
- Cracked Shingles: As the hail pounds your roofing system, it can cause different kinds of roof damage. Larger hail pieces can actually crack your shingles. This damage may stop your roof from being able to keep water out of your building as efficiently.
- Broken Flashing: Flashing is used at the valleys and hips of your roof to act as waterproofing. This metal strip can also be used where the roof line meets a protrusion, like a chimney or piping. If the flashing is damaged, it can lead to roof leaks and water damage in the attic.
- Missing Shingles: If the hail causes a crack in the shingles, the accompanying wind could get purchase under the material and tear it off of the roof. This type of roof damage may expand quickly as more shingles and roofing materials are torn off of the surface.
- Damaged Siding: The siding of your building could also get damaged by hail. If this happens, the insulation in your walls could get exposed to water damage. If wet insulation isn't addressed quickly, it could lead to mold growth and other issues.
Hail can lead to a wide range of roof damage and other problems for your building. No matter what type of storm damage you have to deal with, it can be a good idea to get help from storm damage repair experts.
What an Insurance Company Will Cover After Water Damage
Dealing with the repercussions of a flood or a pipe burst in your Stillwater, NJ, home can lead to one massive headache. However, it helps to know what your homeowner’s insurance coverage entails and what you can expect to gain from your policy. Whether you have minor or severe water damage, here’s what many insurance companies will cover to help repair and restore your home.
1. They should cover the cost of the damage caused by a broken pipe, but not necessarily the pipe itself.
When it comes time to fix a broken pipe, some insurance companies believe that if a leaking pipe has carried on for a significant amount of time without being treated, then it’s considered ‘homeowner negligence.’ This means they might not cover the cost of the new pipe replacement. However, almost all insurance providers will cover the costs for the extent of the damage that occurred to your home after the pipe burst, including building materials, structural supports and so on.
2. Once a pipe bursts and a resulting flood ensues, that kind of extensive damage will generally be covered.
If a sudden pipe burst happens without any knowledge of leaks beforehand and such an occurrence leads to a massive flood, your insurance company will cover the damage if you have an all-perils policy. This can include anything from carpeting and paint to drywall, as well as the cost of any professional services required to come in and clean up your living space to make it safe for habitation. However, coverage for full-blown flooding versus less-severe water damage can differ depending on your policy, so it pays to be extra cautious when considering which plan to choose for preventative measures.
If a considerable flood occurs in your Stillwater, NJ home, it’s important to seek professional guidance before trying to make any repairs or restoration yourself. This is especially true when it comes to your insurance policy, as you might be covered for more damages than you know.
For more information about water damage visit http://www.SERVPROdoverstillwater.com/.
Types of Mold Commonly Found in Homes
It doesn’t matter where you live or what style of home or building you own or occupy, flooding can affect anyone. The severity of flooding can vary considerably, but one thing is for sure: water damage isn’t something you should take lightly. Mold growth is among the many concerns you can have from damage due to leaking water or flooding. It’s important to recognize the various types of mold you can find at home or at work.
It’s not unusual to find this type of mold in homes or in business buildings in Dover, NJ. It is often found in some of the following places:
- In showers, sinks or other bathroom settings in mildew
- In starchy foods such as potatoes or bread
- On or inside of indoor or outdoor plants or trees
- On pillows in your home or in hotels
You’ll usually find this type of mold growth in Dover, NJ, at all times of the year with the exception of winter. If you’re outside during the summer months, there’s a good chance you’ll come into contact with alternaria. It has as many as 50 species and can reach high levels of spores within a small area.
This is arguably the most harmful form of mold you’ll see at home. It is also known as stachybotrys. Black mold can grow in areas of high humidity, such as a bathroom with a shower or basement with a leak. Usually, you will spot black mold in your carpet, drywall or subflooring. If you happen to see this form of mold, call a professional immediately and have an expert inspect and clean the area.
Mold growth isn’t uncommon in homes and businesses, but it isn’t something you should ignore. If you detect any of these types of mold, especially black mold, you should get a specialist to remove it as soon as possible.
Ready For Spring Cleaning
It has been a cold winter, but hopefully it will pass soon and before we know it Spring will be here and with it new temperatures and new opportunities to have a cleaner home. If you are thinking about to get ready to perform your annual spring cleaning we have some recommendations about how to use your time wisely while making your house neat and clean.
If you are thinking to get the job done in a day you should:
-Vacuum and dust each room of your home.
-Clean up the entrance of your home and each room.
- Organize any piles of paper or clothes that you find in those rooms.
If you have an extra day, on top of the task of day one, you could clean other areas of your home:
-If you have that extra day and you have a specific task or area that you want to clean, we recommend that you make a list and organized your task before you start. Other suggestions for areas to clean during this time are;
- Clean your refrigerator, this is important because this will help you to create a better and healthier environment for your foods.
- Make sure to clean your cabinets and their handles, so all the dirt and grease is gone.
You have more time, 3-5 days? (This just means a cleaner home):
- If other members of your family also have time off, they could be of great help, but organization is the key for everyone to succeed. Each person can have their own tasks to perform or rooms to focus. This way more areas or your home will be clean and neat at the same time.
-This is the perfect time to get rid of any unwanted clothing or items that you not need. If you have things that are in good condition we always encourage you donate the items to organization that help those in need (Make sure only items in good condition are donated, the other ones should go in the trash).
-Your floors need attention, if you have a carpet think about getting it clean or if you have other type of flooring you can research the right products to mop it.
Look at that! you have a whole week to get your spring cleaning done:
- To use your time wisely after achieving the areas that we mentioned before you could think about to clean those areas that no one talks about, the closets, the attic, the basement, etc.
-Cleaning your attic and basement can be time consuming but if you set daily tasks on the things that you want to clean an achieve on each of these areas, you will be able to have an easier time later one when trying to find your Christmas tree or other items that you may have in there.
We hope that Spring and its warm temperatures arrive soon and with it we hope that you are ready to enjoy a cleaner home. If you need us to be part of your cleaning team we can be of help, we perform multiple cleaning duties and we can provide a Professional carpet cleaning service. If you need us please do not hesitate to give us a call to 973-810-2825.