How Does General Liability Insurance impact a Mold Claim?
Mold growth on Henderson, CO
Here Are 3 Things to Know About Your Insurance Coverage
Many landlords in Henderson, CO, must consider how to protect their assets from a potential lawsuit. After all, it could only take one suit to drain a business's financial resources. For many agencies, the answer is purchasing general liability insurance, a policy that offers coverage for many unsuspected, potentially crippling issues. Does it cover everything, or do landlords still need to worry about mold insurance claims? Here are three things to know about your insurance coverage.
1. What Does the Policy Include?
Mold remediation companies work hard to cleanup a space, but it costs. It's natural then to turn to insurance to help cover costs. General liability is intended to handle certain trouble. If something on your property endangers the neighboring store, this pays to repair the damages. In the same regard, if a visitor becomes harmed while on your premised, this would pay compensation for pain and damages. Mold, though, may or may not be included.
2. What Is Pollution Exclusion?
Many suits may argue that mold poses an environmental hazard. Agencies are fighting this argument by writing in pollution exclusion clauses. This removes them from accountability in mold insurance claims, especially when lawyers argue that the fungus established a contamination that created a harmful atmosphere.
3. What Is a Business Risk Exclusion?
Was a faulty part to blame? If so, a mold claim can be denied under the business risk exclusion. Insurance companies do not want to pay when the contractor's part failed to do its job or poor construction allowed for the complications. This clause could allow denial.
You may expect that mold insurance claims can be handled quickly under a general liability policy; however, agencies often have clauses that prevent payment. Both pollution and business risk clauses undermine the general arguments made by legal counsel, leaving a company capable of refusing to pay the remediation bills.
Why Preferred Vendors of Insurance Companies Have Qualifications
Did you know that we are a Preferred Vendor for many insurance companies
Why Preferred Vendors of Insurance Companies Have Qualifications
If your Todd Creek, CO, business has suffered fire, water or mold damage you may need to talk to your insurance agent about a local damage restoration service, such as SERVPRO, to help with repairs. Many insurance companies keep a list of preferred vendors to contact for various needs for several reasons. These include
1. Set Guidelines
There are 21 guidelines an insurance vendor must agree to in order to become a preferred vendor. This includes the IICRC standards among others. Following these guidelines ensures that clients can expect a high quality job completion from any vendor recommended by their insurance provider, as well as the ability to know what to expect in the restoration ahead of time.
2. Complete Record Keeping
Another reason your insurance agent may recommend a preferred vendor for your business's restoration needs is that fact that in many cases these vendors have the ability to help the agent with the documentation needed to file a claim. For example, SERVPRO offers an electronic claims inventory system that can be used to keep track of photographs, item inventory lists, and track restoration progress. These types of systems help ensure that everything is properly documented which can be very useful to your insurance company.
3. Safety Standards
Another reason your insurance may recommend working with a member of their vendor program, is the fact that they know their preferred vendors will follow proper safety standards. In addition to correct use of equipment this may also include how to properly quarantine an area for mold removal, use of personal protection equipment, and material handling.
If your business has suffered damage it’s a good idea to consult your insurance agent about working with a preferred vendor. These professionals have been trained to follow national standards in order to ensure quality service, and can help document the damage and repairs for your agent. Preferred vendors also follow safety standards to help ensure that the job is completed correctly with everyone's health and safety in mind.
Types of Damage Related to Fire
Types of Damage Related to Fire
A fire at your Brighton, CO, commercial property can be a huge hassle. In addition to restoring damage caused by the fire itself, you will often have to do water cleanup as well. Understanding the different types of damage can help you prepare for a business fire.
The fire department will likely use a large amount of water to extinguish the fire. If you have a sprinkler system, the fire is usually contained more quickly so that less water can be used. In either case, though, you will need to work quickly to prevent mold growth. The following are some tools you may find helpful in drying out your property:
- Wet/dry vacuum
- Submersible pump
If you do not have the above items, you may be able to rent them from a hardware store before beginning water cleanup.
Smoke and Soot Damage
After the property is fully dry, you will need to tend to the smoke and soot. Because the residue can be corrosive, it is important to act quickly. The type of fire determines the type of residue you are left with. There are a variety of types of smoke and soot and different cleaners and techniques for each. Using the wrong approach can compound damage, so you may decide to seek professional help in determining the best soot and smoke cleanup method for your business.
When picturing a building after a fire, the fire damage may be what pops into your mind most quickly. This type of damage includes burned and charred objects, ashes, etc. Severely charred items should be thrown away, but less damaged objects may be salvageable. Cleaning up ashes can be particularly tricky because you do not want them to end up in the atmosphere. You may be able to sweep them up and dispose of them in a trash bag. However, more severe fire damage may require professional fire cleanup.
The damage resulting from a business fire may seem overwhelming. Fortunately, there are experienced restoration professionals that can help you with fire, smoke and water cleanup and get your business back to normal quickly and safely.
Winter Storms can Cause Flood Damage too
Flooding can be caused by winter storms as well
When you think of a flooded basement or storeroom, you may think of the type of mess that comes from storm damage. Your commercial building in Thornton, CO can be in just as much danger of flood damage from internal sources such as a burst pipe. Flooding can be caused by winder storms as well. Sub-zero temperatures can cause your pipes to burst with a great amount of pressure from the expanding ice inside.
How To Prevent Frozen Pipes
Low temperatures can cause just as much water damage as a flood from outside if the situation is not quickly dealt with. A burst pipe can produce gallons of water spilling out into the room or filling up the space inside of walls. A frozen pipe can be prevented by doing the following.
Keep the ambient temperature in rooms with plumbing inside the walls warm
Open cabinets below sinks to allow room air to warm the pipes
Run a slow trickle through faucets to keep pipes open
Disconnect outside hoses from the faucets
Insulate around water pipes that go through crawl spaces or attics
Thawing Frozen Pipes
If the pipes do freeze, they need to be thawed slowly to prevent problems and leaks. Open all of the faucets and leave them open. Slowly warm the area with a space heater or by holding a blow dryer on the pipe. Do not apply heat from more severe sources such as a blowtorch or propane heater. Allow it to take it’s time to thaw until the water flows freely. Do an intermediate check on all of the pipes to see if there are other leaks.
If you end up with standing water, get some help with the flood cleanup. Even clean water can become contaminated if it sits long enough and would be more complicated to clean, just like storm cleanup. A qualified water and flood cleanup and restoration company in Thornton, CO, can help with the water extraction and drying things out.
Don’t let a winter storm get the better of you. Take steps to prevent a burst pipe and to thaw frozen pipes carefully. You can avoid flood damage to your building and enjoy greater peace of mind.
Small Kitchen Changes for Big Fire Safety
Be prepared for any emergency by preparing ahead of time.
Looking for tips on how to make your home kitchen in Thornton, Colorado safer? Although a fire extinguisher and fire safety plan should be at the top of your list, you don’t have to make big changes to get big rewards. Here are four simple and cost-effective tips for reducing the risk of fire damage in your culinary domain.
1. Ditch the Dish Rag
Hand towels might shine at multitasking, but they can also significantly heighten fire risk. Consider upgrading to silicone-based pot holders and trivets to make your kitchen safer.
Just a few reasons you’ll love the upgrade include:
Higher heat tolerance than cotton
Durable and long-lasting
Easy to clean and nonstick
Cost-effective and versatile
Attractive and stain-resistant design
2. Clear Space for Handles
Even the biggest kitchens can become cluttered when you’re preparing multiple dishes. While tips for juggling kitchen challenges vary, most experts recommend paying close attention to the placement of pot handles. Ideally, each handle should be turned towards the side, providing a wide enough chasm for you to reach one without touching the other.
Not only can this suggestion help mitigate the chances of burn injuries, it can also make it easier to respond to smoke or fire by providing a clearer line of sight.
3. Keep Salt Near Stove
Consider keeping an easy-open container of salt near the stove for a convenient and safe option for treating small grease fires. At the first sign of a grease fire, douse the pan with a heavy helping of salt to smother the flames.
Alternatively, you can also use baking soda on a grease fire, but avoid using flour, which can quickly become explosive in the right conditions.
4. Display Emergency Contacts Prominently
Prepare your kitchen with well-placed information as your last small change for big rewards. Keep a laminated list of suggestions and contacts, including the fire department, family and nearby fire damage specialists, in an easily accessible area. By having this information handy, your household’s crisis response – and recovery – can only go that much smoother in the future. Visit http://www.SERVPROnorththorntonbrighton.com for more information on fire damage.
Fire Restoration Is the Science of Turning Chaos Into Order
Smoke damage is often the most difficult to mitigate.
Cleanup Process After Fire Damage
You will never forget how your home looked after the last firefighter left. It was a disaster. Everything was burned, charred or soaked. Your beautiful hardwood floors were starting to buckle, the water was leaking into the rooms below, and everything smelled like smoke. You wondered how you could recover from this. The following three steps will help you understand the cleanup process.
1. Your New Enemies Are Water and Time
The fire is out, but your disaster continues to grow in slow motion. Now, the culprit is water. It is slowly working its way through your home. It is also setting the stage for mold to move in and make the cleanup more difficult. The objective here is to get the moisture out of your home quickly. This stage of fire restoration involves removing:
- Standing water
- Carpets, if not salvageable in place
- Wallboard, flooring and anything else that is not salvageable
Once the room is empty, it’s time to bring in fans and dehumidifiers. Now might also be an excellent time to apply mold-suppression products to wet areas, if appropriate.
2. Remove Everything That Is Burned and Not Restorable
Think of this as the demolition phase. Remove everything that the fire touched. If you decide to leave some charred wood in place, seal it. If you don’t, you will never get the smoky burnt smell entirely out of your home.
3. Eliminate the Smoky Smell That Permeates Your Home
Smoke damage is often the most difficult to mitigate. In extreme cases, it can require:
- Air filtration to remove the smell from the air
- Intense treatment by ozone generators
- Deodorization by special thermal foggers
Damage Cleaning Is Not for the Do-It-Yourselfer
The average person does not have the knowledge or equipment to do the fire restoration process quickly and thoroughly. Consider bringing in fire damage mitigation experts located in the Brighton, CO, area if you face this type of cleanup. When you see the results, you will be glad you did.
3 Maintenance Tips for Your Irrigation System
Irrigation maintenance can keep your business's watering system in optimal condition.
Once the weather in Thornton, CO becomes sunny and warm, it can be an excellent time to activate the sprinklers and water your plants and landscape. However, it might be a good idea to check these devices before starting. Turning on a defective irrigation system can create several problems, such as improper water distribution, water damage and high costs from the water bill and damage repairs. The following irrigation maintenance practices can prevent these problems:
1. Inspect the System Often
A common habit you can adopt is checking on your sprinkler system before activating it. Between freezing conditions and other environmental hazards, there are several factors that can damage your watering devices. Take the time to check each component whenever you can.
Cracks, obstructions and other problems with the system can lead to sprinkler flooding. This may damage your property and require commercial building restoration services.
2. Schedule the Watering
As the year progresses, the weather changes. When planning your irrigation maintenance, you may need to adjust the watering patterns for your business's landscape. Every season will bring different temperatures and precipitation, so measure how much water you need, the time it can take and the locations where it is necessary. Proper scheduling can ensure the area is watered just right, with no drought or flooding.
3. Upgrade the System
No matter the current state of your irrigation system, it is just a matter of time until it malfunctions or becomes antiquated. You will need to replace old sprinklers, pipes and hoses with new ones when repairing them is not an option. Also, consider integrating new technology to the system. For example, rain and freeze sensors can automatically shut down sprinkling when necessary, leading to more efficient water use.
Perform the necessary inspections and improvements to prevent building damage and the waste of resources.
Do I Really Need Mold Remediation?
It is important to remember that not all mold is black.
Mold can be present in your home for many reasons, and even if you think you can perform the mold cleaning on your own, it is often much tougher than it appears. If you believe that your home in Thornton, CO may have mold damage, it is important to consider mold remediation. Here are a few easy ways to help you decide if you need mold cleanup in your home.
1. There's a Musty Odor in Your Home
If you can't see any signs of mold but there is a musty odor, it may be time for someone to perform professional mold cleaning. Only an environmental hygienist is certified to check for mold, so ensure that the mold remediation specialists you hire are able to perform the job.
2. You've Had Recent Water Intrusion
If you've had any type of flooding in your home, it's a good idea to have someone with experience take a look. Mold can grow within 72 hours of a flooding event, and is especially common in dark areas that stay damp, such as basements or attics. Carpets, drywall and even some upholstered furniture take time to dry, and can all be breeding grounds for mold.
3. Stained or Discolored Ceilings or Walls
Sometimes, ceilings will show water marks or brownish-orange stains, indicating that there may have been a leak and some water damage. Showers or bathtubs can also become discolored, and even if they do not look moldy, they may still require professional black mold cleanup.
If you recognize any of the above signs of mold growth, the best solution is to call a mold remediation specialist to help with mold cleaning and to get your home back to normal as soon as possible.
Everything You Need To Know About Ice Dams
Ice dams can cause significant harm to your home.
An ice dam is a frequent cause of winter storm damage to the home. Yet many people do not understand what ice dams are.
Ice dams are ridges of ice that form at the end of a roof. This blocks the melting snow on the roof from draining onto the ground. Instead, the water backs up on the roof and can leak into your home’s walls or ceiling.
This moisture doesn’t just cause water damage to your home, either. It can also lead to the growth of mold within your house.
Ice dams form due to uneven temperatures on the surface of the roof. This can result from excessive heat traveling to the roof through:
How To Prevent Ice Dams
Preventing an ice dam starts when your home is being built. Make sure that the roof and ceiling are insulted according to Thornton, CO building codes. You should also avoid skylights, recessed lights or attic heating ducts.
Similarly, you need to keep the ceiling of your home air-tight to limit the flow of warm air into the attic. This warm air can heat the roof, leading to ice dams.
What To Do During a Storm
When a winter storm arrives, the best way to prevent ice dams is to remove snow from the roof as soon as possible. Keep in mind, however, that some cleaning tools such as push brooms and rakes can also damage the roof.
If the ice dam does cause water to leak into your home, you can try to mitigate the damage. Hosing the roof with tap water creates channels for the roof water to drain through. However, this only works on a warm day, and the effect only lasts for a few days. To truly address the problem, you should contact a storm damage restoration company. You should also see if your insurance policy includes ice dam coverage.
Yet you can limit the amount of destruction by reducing the amount of heat that travels to the roof.
What Will or Won't Your Insurance Cover After Water Damage?
Homeowners' insurance coverage can protect you from paying out of your own pocket when disaster strikes
You purchase homeowner's insurance as an investment. You hope to never make a claim, but it's nice to know that if significant damage does occur, you've can rely on your insurance provider to pay for repair and restoration costs. If you have a flood at home, it's important to know what your policy will cover.
What the Insurance Will Cover
Homeowners' insurance coverage can protect you from paying out of your own pocket when disaster strikes. For water damage, this policy should take effect in the following cases:
- An appliance such as a washer, dishwasher or water heater suddenly breaks, expelling water over your floors and walls
- A broken pipe unexpectedly bursts, causing severe flooding
- If severe weather results in water damage to your home
- If an act of vandalism leads to flooding
What the Insurance Won't Take Care Of
There are some instances where your flood claim will be denied. Homeowner's policies in Thorncreek,CO, don't cover water damage due to a backed-up sewer or mainline water break. You also should not expect coverage from your policy if you ignore routine maintenance of appliances and plumbing systems. For example, if you know you should fix broken pipe but put it off, your provider won't pay for any damage that results. Intentionally causing a flood will also disqualify you from any financial help from the insurance company.
If your homeowner's insurance denies your claim, you don't have to give up hope. You can turn to supplemental flood insurance. These policies will pick up repair costs for sewage issues and main water lines damage or breaks. If you live in an area prone to floods, you should consider purchasing one of these plans. It is also wise to get familiar with a professional flood cleanup team. The insurance company and flood remediation crew will work closely during the claims process.
You should review your insurance policies to verify what your plan covers. If you don't have flood insurance, think about your needs and purchase a policy today.