1 in 5 Insurance Claims in Florida are from Fire, Is your Business Safe?

1 in 5 Insurance Claims in Florida are from Fire, Is your Business Safe?

According to the Insurance Journal, 75% of businesses in the United States are underinsured, and 40% of small business owners remain uninsured.

On most occasions, these businesses find themselves with no insurance to cover their claims when filed with a lawsuit or disaster.

As per The Hartford, the top 5 insurance claims filed in U.S in 2017 based on the claim amount were as follows:

  • Reputational harm: $50,000
  • Vehicle accident: $45,000
  • Fire damage: $35,000
  • Product liability: $35,000
  • Customer injury or property damage: $30,000

As you can see, fire is a major contributing factor to insurance claims in the U.S.

We have been assisting our potential clients to file commercial insurance claims over five years and we could confirm that Fire has been the most frequent and expensive cause.

This post features a checklist of factors to consider when choosing business insurances and preventive measures while considering commercial fire damage.

Insurance policy selection

Most small businesses struggle when it comes to getting the right advice on fire damage insurance. Fortunately, standard commercial property insurance policies in the United States usually cover fire damages.

While keeping this in mind, consider the following insurance policies to ensure protection from all the possible angles.

Commercial property insurance: With commercial property insurance, you can insure your business in the following two ways:

  • Its replacement value: what it would cost to replace everything with new items or
  • Its actual cash value: what it would cost to replace everything with used equivalents to what you have now

This insurance type if available at different levels and hence considered budget-friendly.

Business owner’s policy (BOP): This commercial insurance type is deemed budget-friendly as it gives the business owners an option to bundle general liability insurance with property insurance. There are certain criteria that you need to satisfy to be eligible for a Business Owner’s Policy. Risk exposure can be a major factor that can influence your eligibility for the BOP.

Business interruption insurance: This policy is a godsend to business owners who are forced to shut their doors due to fire. The policy can cover the rental of the new office and even the salaries of your employees and other ongoing expenses as long as you are unable to operate.

Preventive measures

Fire is an unexpected and unwanted hazard for any business. Make it a point to prepare yourself for this unforeseen hazard by following some basic guidelines. Satisfy the below checklist to keep the concern of fire damage at bay.

  • Train your employees to use fire equipments like fire extinguishers and blankets
  • Periodical fire system inspection which includes fire extinguisher, fire exits and sprinkler system inspection
  • Routine commercial cooking and manufacturing checks
  • Electrical equipment inspections and banning risky electrical appliances

Fire damage in Florida is one of the top five causes for commercial insurance claims both while considering the cost and the frequency of the claims. As a business owner ensure that you do the following three things right to minimizing the possibility of damage and maximizing the odds of recovery:

  • Choose the right insurance policy/ Get the right advice
  • Take necessary precautions
  • Document the aftereffects

Need assistance with finding or filing commercial insurance claims? Talk to us today.

Commercial-&-Residential-water-damage-Statistics-United-States

Commercial & Residential Water Damage Statistics: United States

Did you know that the US residents spend 13 Billion annually to restore property water damages? Another interesting fact is that around 14000 Americans face water damage emergencies daily. It goes without saying that water damage is a nightmare.

You do not want to find out a water leak source in your house, especially in the crawl spaces. The fact that water damages can give way to other major concerns including mold growth and property structural damage adds to the misery.

Some interesting water statistical facts:

  • Water and mold damages costs a whooping 2.5 Billion to insurance companies every year
  • Floods are the major cause of property water damages ($26K/Year)
  • A faucet leaking at the rate of 1 drip/second can cost you 250 gallons of water per month
  • 10% of houses in the U.S has undetected water leaks and wastes 90 gallons of water per day
  • More than 70% of water heaters trigger water damages before they are 12 years old

Insurance claims

The average water damage insurance claim cost in the United States is around $10,000. Since 2005, home water damage claims have increased at the rate of 2 percentage. Water damage claims over $50,000 have doubled since 2015.

Residential Water Damage Claims Statistics United States

Types of water damage:

There are three types of water damages:

White Water Damage (Category 1)
: water damage from broken pipes, overflowing sink, or rainwater. Health risks associated with category 1 water damage is low if attended to in 48 hours.

Grey Water Damage (Category 2): Water damages from equipment discharges, chemical wastes like detergent, laundry, and soap. Category 2 water damage can pose mild to severe contamination risks.

Black Water Damage (Category 1): Waters from sewers or water containing grease, oil, urine, etc are ideal examples. The vulnerability of getting an infection or illness post direct or indirect exposure to black water is more than 90%.

As a property owner, the ability to identify the water damage type can be critical, especially in emergency situations.

Average Cleaning Costs Statistics based on water damage types:

Water Damage Type and Cost to Clean Florida

Water damage prevention tips

Follow this checklist to prevent or minimize costs to property from water damage.

  • Check the water heaters in your home as they start creating problems once they are about 5 years old. It is advisable to get a professional to inspect these heaters once every two years.
  • Make sure to remove build-up of sediment by flushing the tanks once in six months
  • Have a professional inspect the supply lines of the washing machine to prevent them from suddenly bursting
  • Never run the machine when you are not in the home
  • It is necessary to replace the supply hose once in 5 years.
  • If you notice the tank or bowl in your bathroom overflowing, turn of the supply valve to stop the water from flowing. Make sure to repair leaky faucets and drains
  • Check the refrigerator regularly and make sure it is properly installed. A minor leak in the supply line hose can cause water damage in the home

Tips to identify hidden water leaks:

Damages from hidden water leaks can be heavy, you often need a professional to identify the severity of the damage and bring the situation under control. However, knowing when to call the professional depends of how soon you detect the water leak.

Here are some tips to detect hidden water leaks:

  • Keep an eye out on your water bill for unexpected high usage
  • Do not use water for a couple of hours and inspect the meter reading pre and post-test period
  • Do colored droplet test in your toilet tank, if the droplet sweeps through to the toilet bowl, you can confirm a leak
  • Use leak water sensors and alarms and invest in auto-shutdown features, especially if you travel a lot

Water and flood damage can damage both old and new properties equally. A smart move is to consider all the possibilities and be a step ahead by planning emergency actions and minting a good working relationship with water damage specialists.

House in flood Florida

How to Save Money on Flood Insurance

Recovering from flood insurance is expensive, be it by replacing or repairing your commercial possessions within.

Why do I need flood insurance?

  • As per the Federal Emergency Management Agency (FEMA), just one inch of flood water in your commercial property can cost you $27,000 in repair or recovery
  • In the United States, floods cost millions of dollars in damage every year
  • Over 20% of flood damage claims have been filed from areas with low risk of flood zone
  • Natural phenomenon like wildfires or storm can change the topography of any location and make it more vulnerable to flooding

Residential flood damage recovery cost statistics:

Residential flood damage recovery cost statistics table

Most commercial insurance types do not cover for flood damage; ask your insurance company about the policies available and each and every aspect they cover. This post covers information on how a well-chosen commercial flood insurance can help you save money.

Research

You have two options when it comes to signing for flood insurance.

  • National Flood Insurance Program (NFIP) through FEMA (Public insurance)
  • Private Flood Insurance (usually backed by the state)

There is a fine line between both that needs to be defined through thorough research to choose the right one that suits your situations and requirements.

The NFIP is available for residents of 21,000 US communities and offers coverage of up to $250,000 in property damage and 100,000 in personal possession damage. The average premium cost of NPIF can range from $1000 to $1200 and is driven by factors like your community and property type risks. NFIP insurance is mostly cheaper compared to private insurance.

Private flood insurance on the other hand can be a bit expensive but comes with higher coverage and shorter processing periods. Additionally, such insurance type usually covers for temporary relocation costs after a flood.

A private insurance is ideal if you fall within the following category:

  • If you reside in a low-risk flood zone
  • If you wish to have coverage from unexpected floods
  • If your house has considerable safety features
  • If you have adopted specific precautionary measures against flood

A specialized insurance agent can help you define any fine lines between public and private flood insurance and even help you choose the type of flood insurance that suits you based on the community history, property risk types and more.

Elevating appliances and living area

Elevating your appliances is a good strategy to save money on the flood insurance premium. Both NFIP and private insurance companies usually offer lower premium if your possessions are elevated in comparison to the high-risk flood zones in your property like the garage. The possessions under consideration include Air conditions, electrical, heating, and plumbing systems.

Elevating your living area is an expensive option; however, if you successfully elevate your living area a minimum of 3 feet above the base flood elevation zone, you can save up to half on flood premium annually.

Elevation certificate

Elevated living area is validated through elevation certificates. The elevation certificates covers the following important information:

  • Property location
  • Property characteristics
  • Flood zone type
  • Lowest level elevation

This certificate is issued by NFIP and helps the insurance companies to calculate the flood-risk of your property and the premium. It is ideal to get your elevation certificate validated by a civil engineer to identify errors due to environmental factors, base flood elevation and other outdated factors.

Flood proofing

Flood proofing your property can help you save up to 90% on flood insurance premiums. Flood proofing can be done via the following:

  • Sandbags
  • Protecting wooden skirting boards by varnishing
  • Elevating appliances
  • Shelving
  • Adding flood openings or vents

Increasing deductibles

With flood insurances, you have a deductible, i.e. the money that you have to pay from your savings prior to getting paid by the insurance body. Increasing your deductible will result in lower premiums.

However, it is advised that you talk to your insurance agent to weigh the risks associated with this strategy as an insurance agent can help you decide based on all the critical factors that affect your situation.

Finding a balance between the flood insurance coverage type and your property setting is a task that requires maximum research and foresight. Such a critical act, once completed, could keep you under an ideal cover for long. This is why we recommend you to consult with a flood insurance specialist to put that most important first step forward.

Cladosporium Mold- Microscopic View

Cladosporium Mold Type: What You Need to Know

Mold growth in a residential or office space and disrupt the harmony of your everyday life. It is hard to identify mold growth and it is often harder to detect its effects on your health until it turns into something critical.

Out of the common mold types found in homes and office spaces, Cladosporium is a genus of fungi that can trigger asthma and allergies. This post features some important facts about Cladosporium mold type, allergies, identification, and more.

What is Cladosporium?

Ubiquitous around the globe and with over 300 species, Cladosporium mold type of usually isolated from soil and organic matter. Even though this mold type normally affects your health by triggering conditions including allergies and asthma, on rare occasions, it can trigger infections.

Common types

Common Cladosporium mold types are:

Cladosporium herbarum: commonly isolated from organic matter including woody plants, textiles rubber paper, and dead herbaceous. In an indoor environment, these are commonly found in:

  • Carpets
  • Mattress, Furniture dust
  • Painted walls and
  • HVAC insulation

This Cladosporium mold type can grow in a wide range of temperature and this seconds its extreme commonness.

Cladosporium sphaerospermum: commonly isolated from soil, air, painted words and walls, this Cladosporium mold variant can trigger allergies and occasional health concerns in humans. This is one of the few Cladosporium mold type that can grow below 0 degrees Celsius and also known for spoilage of meats in cold storages.

Cladosporium cladosporioides: it is a common mold type found both indoors and outdoors. Majorly found in outdoor conditions, this fungi type is responsible for plant diseases and seasonal allergic reactions.

Cladosporium macrocarpum: this Cladosporium mold type is mainly found outdoors and isolated from dead plants, soil and seeds.

Appearances

Cladosporium mold type usually forms dark pigmented colonies the coloration can vary from green to black/brown spots. From the outset, this mold type has a powder or velvety type appearance. The abundant production of conidia contributes to the powdery appearance.

Where can you find

Cladosporium mold is not hard to find if you know the technical know-how. This mold type has an ideal growth temperature range of 18 – 28 degree Celsius. However, some species including Cladosporium herbarum can grow below 0 degree Celsius.

Cladosporium is prominent in areas that doesn’t get enough sunlight and air ventilation. Some common household areas where you can find this mold type are:

  • Wet or damp areas
  • Bathrooms
  • Areas surrounding heating and cooling appliances
  • Wooden surfaces
  • Fabrics
  • Wallpapers
  • Carpets/rugs
  • Window sills
  • Grills
  • Upholstered furniture
  • Faucets
  • Curtains

Health concerns

The health concerns related to Cladosporium can vary from person to person. While some develop allergic reactions to exposure, others may not.

Some symptoms due to Cladosporium exposure are:

  • coughing and sneezing
  • dry skin
  • stuffy or runny nose
  • itchy throat, eyes, and nose
  • watery eyes

Reactions are minor on most occasions, in rare cases, these can elevate to major health concerns that require immediate medical supervision.

If you suspect a severe allergic reaction due to Cladosporium, keep an eye out for symptoms including shortness of breath, wheezing, tightness in the chest.

Who is more likely to develop allergic reaction?

As discussed, some people are more vulnerable to allergic reaction due to exposure to Cladosporium, these people can belong to the following category:

  • Family history of allergies
  • Living or working in damp and poorly ventilated environments for prolonged time
  • Diagnosed with other respiratory conditions like asthma
  • Diagnosed with other respiratory conditions like eczema

Prevention

There are several precautionary measures that can help you keep the consequences of Cladosporium exposure at a minimum.

  • Ensure that your house is properly ventilated
  • Identify water leaks, especially in crawl spaces and fix immediately
  • If any part of your house is damp, use dehumidifiers to regulate the temperature
  • Be on constant look out for mold growth and water damages
  • Keep the gutters clutter free
  • Do not use carpets in crawl spaces or basements

Cladosporium mold type does not pose a serious threat to human health. However, underestimating this mold type, especially for prolonged duration can have serious consequences. It is usually hard to identify and treat this mold type; this is where you need a professional mold removal specialist. You can even send the mold sample to a laboratory for an accurate diagnosis.

Benefits of hiring a general contractor

8 Benefits of Hiring a General Contractor

Construction projects are complex irrespective of their type. Any construction project will involve a considerable amount of workforce each of who might have to complete some unique tasks. The race against deadlines, the availability of resources, and the resource allocation often contributes to the complexity.

This is where a general contractor can turn out to be a godsend.

What is a general contractor?

A general contractor can be the main or prime contractor who is in charge of the routine supervision of the construction site. The general contractor brings all the vendors, trades, and other stakeholders under one umbrella to ensure clear-cut communication and the deadlines are met.

If the above explanations are not sufficient, read on for some points that will answer your question “Why should I hire a general contractor?”

Saves time

Construction projects can span from a few months to years. Unforeseen circumstances like bad weather or lockdowns could slow down or even bring the project progress to a standstill. This is where the expertise of a general contractor can come in handy.

An experienced general contractor always has most of these unforeseen barriers on the cards and can schedule his subcontractors efficiently. He would also have the expertise to handle issues that may arise promptly and his negotiation skills can help manage most setbacks.

Saves money

Store A sells the construction material that you need for $$ and is of high quality and Store B sells the same material that you need for $ but is of moderate quality.

An inexperienced contractor would go for Store B. However, an experienced contractor, with his connections and negotiating skills can get material from Store A at a discounted rate thereby ensuring quality and affordability.

Moreover, subcontractors are known to charge more when working under the building owner. To subcontractors, general contractors are a major source of continuous projects, which makes them charge less.

Moreover, general contractors are in the position to place projects on bids, which creates competition and thereby reduces the project budget further.

Adds versatility to project planning

With his network of subcontractors and vendors, you could pull off any construction project type with the assistance of an experienced general contractor. This gives you an option to be flexible even if you need some minor improvisations during the project.

Moreover, you also have the option to share your ideas and requirements with a general contractor and he can come up with some custom options to choose from.

Covers licensing and insurance

Hiring a licensed general contractor contributes to the smooth functioning of the project. This ensures that the project is progressing as per the rules and regulations put forward by the state or county. With liability insurance, you won’t be responsible for any construction site accidents that may occur.

Single communication point

Dealing with a plethora of subcontractors and vendors can be a hassle. Imagine getting the overall project status from a single experienced contractor who can answer all your questions and seems to have things under control. This is exactly what you’ll get if you hire an experienced and licensed subcontractor.

Constant updates and feedbacks

Constant progress updates are vital to ensure that the project meets the deadline. Your general contractor can offer constant updates and even offer some suggestions to improvise as per the market conditions.

Experience

Your general contractor is your eyes and ears in the market. His experience will allow him to foresee scenarios and act smart to ensure that everything is under control. For example, news related to a ban on certain construction material could reach his ears before the ban is in place.

Even if the material is not banned straight away, working with an alternative material will help you prevent chaos in the long run.

Better budget control

With the proper management of vendors, subcontractors, and other stakeholders, you could expect the project to be completed in budget or even less than the budget on some occasions. This is where the excess money can flow back to you.

Hiring a licensed general contractor could be the ultimate means of having total control of your construction project, especially if you work around the clock.

Ceiling leak in residential property Jupiter

Ceiling Water Leaks: How to Detect Hidden Leaks & Types

What might start as a slight discoloration in the ceiling can soon become the source of few drops and before you know your ceiling might cave out to your living room, costing you time and money. Ceiling water leaks can question the structural integrity of your property.

Those droplets that you see on the ceiling are a result of water damage or subsequent leaks over months. Most property owners overlook this fact and end up paying a lot more than they should be spending in the first place to fix the issue.

To understand how to fix ceiling water damage, it is important to understand how to detect the leaks, know about the types of ceiling leaks, and also the processes involved.

Types of ceiling leaks:

Plumbing leaks: a common cause of ceiling leaks, plumbing leaks could occur due to the following reasons:

  • Caulk wear off
  • Rusting/wearing of pipes or pipe fittings
  • Sweating pipes in summer or winter

Any plumbing damage, especially in bathrooms can cause the water to drip down and channel through to the ceiling.
If you observe a ceiling leak and if a kitchen or bathroom is located directly above the ceiling, you can expect a plumbing leak.

Roof leaks: damaged shingles or roofing tiles can trigger ceiling leaks. Interestingly, these leaks are not confined to just spring or summer season, they can also be prominent in winter.

The continuous freezing and thawing of the snow over the damaged roof let the ice clusters sweep through the roof and eventually leads to ceiling leaks.

Faulty appliances: faulty appliances, especially refrigerators, dishwashers, and washing machines that have water supply & drain lines attached, can trigger ceiling leaks.

Water accumulates on the floor beneath these appliances before sweeping through the ceiling below.

Burst pipes: frequently changing or extreme weather conditions could lead to bursting of pipes. Usually, the expansion of water, especially in cold and freezing conditions can lead to this situation.

Signs of ceiling water leaks

Saggy ceiling: water sweeps through to the ceiling from the leak source and if the ceiling is coated with waterproof materials or solutions, water accumulates and the coating starts to sag.

Sagging ceiling on drywall and plaster ceilings and can indicate a moderate water leak. A sagging ceiling can develop with time and cave onto your room causing further damage.

Peeling paint: as the water or moisture concentrates on specific parts of the ceiling for a prolonged time, the paint starts to flake or peel off.

Ceiling discoloration: discoloration or water spots on the ceiling are usually formed from inconsistent water leaks. The discoloration usually appears as rings and can be dry to touch at times.

Identifying difficult to find ceiling water leaks

One way of identifying difficult ceiling water leaks is by stimulating a rainstorm. This is a two person’s job, while you use a hose over the roof to channel water onto isolated areas on the roof, your partner needs to stay inside to notify you of any water dripping from the ceiling.

Isolate the areas and conquer small areas for accurate results. Know that this is a time-consuming task and requires careful observation and patience.

If you still cannot identify the leak, you could remove the shingles to track back to the source which, in this case, could be a plumbing or burst pipe leak.

Precautions against ceiling water leaks

Ceiling water leaks are common household issue. As a property owner, you need inspect your plumbing, roofing and potential appliances at least twice every year. Give special priority to your roofing system and include the following areas in your checklist:

  • Roof vents
  • Fix Walls and Dormers
  • Brick chimney perimeters
  • Shingles/roofing tiles
  • Contact specialist

If the ceiling water leak is minor, you can consider fixing it yourself. The trick is to identify the source and fix it. However, this can be difficult, especially when the leak type is inconsistent.

A specialized water damage professional will use pinpoint the exact source, type, and potential consequences of the ceiling leak at hand.

These professionals use industry-grade equipment including moisture meters, dehumidifiers, and exhaust fans to resolve the concern.

Identifying the extent of the situation and considering the potential after-effects like the possibility of mold growth can turn out to be crucial. Quick detection and action is an absolute necessity that can safeguard the property structural integrity and health statistics of the inhabitants.

Water damage specialist usually follows these strategies when fixing a ceiling leak:

  • Identify and fix the water source leak
  • Dry the damaged ceiling
  • Remove ceiling parts which seem beyond repair and could cause further concerns including mold growth
  • Install new ceiling materials
  • Seal and paint the ceiling

Dealing with a ceiling water leak is easy if the concern is identified at the earliest stage possible. Be attentive to anything abnormal including musty smell and water spots on the ceiling.

water damage restoration faq

Water Damage Restoration: 21 Frequently Asked Questions

Residential or commercial water damage is a nuisance that taunts every landlord or property owner. If not addressed quickly, it can lead to major concerns including mold growth and property structural damage in the long run.

As a certified water damage restoration specialist, we come across several questions related to water damage cleanup. This post showcases some common questions related to water/flood damage restoration.

What are the common causes of water damage?

Some common causes of water damage include:

  • Faulty appliances
  • Plumbing mishaps
  • Deteriorating foundation
  • HVAC problems and
  • Natural disasters

What should I do after a flood, or sewage or water leak?

  • Turn off water supply to your house
  • Disconnect electrical appliances in the affected rooms
  • Move furniture or other perishable possessions from the affected area
  • Take photos and videos during the different stages for insurance claim purposes
  • Call a water damage restoration specialist

How do certified technicians typically handle water damage?

Certified or experienced water damage technicians start with a detailed assessment using industry-grade equipment, which includes moisture and humidity level checks.

Determining the severity of damages to possessions like carpets or drywall is a crucial step. Any possession beyond repair is removed from the property to prevent any concerns of mold growth.

The next step is to dry and disinfect the water damaged areas using tools including humidifiers and Wet/Dry Shop Vac.

Some water damage specialists can also assist you in claiming the insurance.

Will my homeowner’s insurance cover water damage?

This depends on the policy you have chosen. Usually, homeowners insurance covers for water damages that seem to be sudden or spontaneous. Gradual water damage like damage from a leaking pipe is not covered.

How bad is water damage to a house?

The effects of water damage can be severe and can go unnoticed until it’s too late. It can trigger gradual structural deterioration and mold growth, which in turn can cause health concerns.

What happens when water gets in your walls?

Once water gets into walls, it starts deteriorating the wall structure and gradually gives way to the formation of mold colonies.

Mold formation is accompanied by a strong musty smell and additional mold spore generation which turns ubiquitous and starts infecting other possessions including dresses and furniture.

Mold infected drywall in Office in Jupiter Florida

How can you tell if your house has water damage?

  • High utility bill
  • Musty smell
  • Mold growth
  • Outdated water supply system
  • Appearance changes to ceiling, walls, and flooring

Learn the details about each here:

How do you tell if there is a leak behind a wall?

Look for the following signs to identify leaks behind walls:

  • Discoloration of walls
  • Peeling and bubbling
  • Musty smell
  • Warped walls
  • Staining


How can you tell where a water leak is coming from?

You can check the water meter for signs of leaks and do a thorough inspection. However, identifying the water leak source can be tricky, especially when you are dealing with multiple leaks and leaks in inaccessible areas.

This is where a trained specialist who uses sound equipment, charging pipe strategy, locator clamps, and other advanced tools can make a difference.

How long does it take to dry a flooded house?

It depends on the severity of the damage. On average it can take from 12 hours to a few weeks.

How long does it take for mold to grow in wet drywall?

A drywall is highly porous and suitable for mold growth. Under the right conditions, it can take from 24 to 48 hours for mold growth on drywall.

Does drywall need to be replaced after water damage?

Due to the porous nature, drywalls accommodates water easily. Given the condition, drywalls are replaced on most of the occasions after water damage. Since they are not load-bearing, you do not have to be concerned about the structural integrity of the property.

What are the consequences of Water Damage in Office Buildings?

With commercial water damage, you risk the following:

  • Business coming to a standstill
  • Damage and replacement of office equipment
  • Destruction of documents or paper records
  • Cost based on severity and response time to the mishap

What kind of damage is caused by floods?

  • Sewage and bacterial infestation
  • Damaged natural gas lines
  • Sinkholes
  • Property structural damage
  • Mold growth

Can electrical wiring be water damaged?

Exposing electrical wiring to water or excessive moisture can make the internal components vulnerable to mold growth and corrosion. This is prominent with low quality or poorly maintained wiring. We recommend performing an electrical and water supply system inspection for your house or residential property at least once a year.

Can water damaged carpet be saved?

Water damaged carpets are not unfixable; however, it is important to consider the severity of the damage. There are some potential risks which makes reusing water damaged carpets not a smart move.

Will wet carpet smell go away?

The carpet smell can be removed, provided, each and every inch of the carpet is dried under the right conditions. A carpet that is not properly dried can second mold and mildew growth.

How do you fix the water damaged wooden floor?

Fixing waterlogged wooden floors can be tricky as wood is a good water absorber. Depending on the severity of water absorption, which is determined via advanced moisture meters, we can choose between replacing and restoring.
When it comes to replacing it is ideal to replace the wooden boards that were affected by water.

What are the precautionary steps that I should take after a hurricane?

Find some important steps to consider here.

How much does it cost to repair water damage?

It varies from the type of property and the extent of water damage; we offer a free inspection and bill the insurance career for the water damage repairs.

How do you restore flood-damaged clothes?

Flood-damaged clothing can be infected with bacteria and fungi. Soaking the clothes overnight in oxygen-based bleach followed by washing it with normal water and detergent is an ideal strategy. Also, ensure that the cloth is dried in the highest drying heating level possible.

Water damage to residential or commercial property can have major impacts. Foreseeing the possibilities and taking precautionary steps are the key to making sure that things are in control or you know what needs to be done when the unexpected happens.

Home Reconstruction & Insurance Coverage Things to Know

Home Reconstruction & Insurance Coverage: Things to Know

Losing your home to a fire, flood or other natural disasters can be heart-breaking. To add to your misery, what if you do not receive the expected coverage from your insurance career? nothing worse, right?

Natural disasters are always unpredictable, with one on the radar; you do not have any other option rather than leaving the comfort of your home to a safer place. Damages to properties, especially houses are inevitable during natural disasters.

Once the chaos dies down, you should be certain about engaging in some level of residential reconstruction work. This is where you would look at different options regarding insurance coverage, their policies, exclusions, and inclusions.

This post will feature some residential insurance coverage regulations worth understanding.

Insured value assessment

Once residential reconstruction is on the charts, the first step is to compare the reconstruction estimate with the insured value. Any damage to residential properties is often marked as emergency situations.

With a non-functioning house, you might not have a place to stay; this is where you might be compelled to reconstruct the property as quickly as possible while overlooking the price of necessary raw materials. If you do not take some time to foresee the financial aspects and compare the insured value against the reconstruction estimate, you will always end up paying additional amount to the insurance carrier.

Coverage type

It is mandatory to look into the insurance cover type when choosing a package. The commonly chosen standard insurance cover might not cover everything that your property needs.

For instance, standard residential insurance cover usually covers fires, hail and windstorm damage, but something like an earthquake and flood coverage can come as ‘optional’.

Prepare an estimate

An accurate reconstruction estimate can do wonders when it comes to ensuring that the whole process progresses smoothly. Consider getting multiple quotes prior to putting pen on paper.

Factor in any additional cost aspect which is not covered under insurance. For instance, before the reconstruction work starts, you need to clean your house and perform some inspects like mold or mildew. These costs are usually not covered under standard insurance packages.

Collect evidence

It is recommended to take pictures and compiling an inventory of the contents in your house to be provided to an insurance assessor if you decide to claim.

Reconstructing your house can be a painful task. You need a considerable amount of effort to get the insurance paperwork right. Choosing a reconstruction company that can assist you with insurance paper works is another smart way of tackling the situation. Always stick with a professional company that abides by the standards like IICRC best practices and have significant certifications and reviews.

Wooden Floor Damage in house west palm beach

Wooden Floor Damage Causes & Solutions

Hardwood flooring is an influential element when considering the aesthetics of any residential property. Being a preferable choice among the modern-day homeowners or builders, its maintenance can be a bit challenging. Unfortunately, this flooring type if vulnerable to water damage, time decay, or even humidity changes.

This post highlights the different causes and solutions to hardwood flooring damage.

Causes

Mold: mold growth can be a prime trigger for your hardwood floor damage. Mold growth beneath the wood surface, subflooring, or framing and sheathing can catalyze the time decay process and make your floor non-usable in no time.

If your wooden floor is mold-infested, you would come across symptoms like the musty smell, which may get stronger with high humidity levels.

Finding, identifying, and testing the mold requires professional testing and handling. If you find mold within the wooden structures after performing a cut test, it would be ideal to hand the situation over to a mold/environmental testing specialist.

Water damage: Water damage to wooden flooring is often hard to prevent. However, smart thinking and quick responses can help you to keep the concern under check on most occasions. Keep an eye out for the following risks related to water damage to wooden flooring.

  • Leaky ceiling
  • Plumbing leaks or a drippy faucet
  • Indoor tracking in of rain or snow
  • Dog water bowl splashes and drool

Using a water-absorbent material or mats on areas vulnerable to water splashes or spills is an ideal means to control the situation.

Using a silicone mat on the area just beneath the kitchen sink and the front door of your house can be a good start. If you have toddlers at home, it is ideal not to feed them near wooden flooring.

Pet stains: pets can contribute in their own way to catalyze wooden floor damage. Pet urine can be strong enough to infiltrate through the wooden layers and reach depths where no amount of sanding will help to remove it.

Additionally, pets with untrimmed nails can be a walking indoor disaster. Drooling can also retain stains on the wooden flooring. When managing pets indoors, prepare a spot for them away from the wooden floor. Consider getting them pet beds and also groom them on a regular basis.

Heavy furniture: heavy bookshelves, sofas, and the dining tables can dent or scratch your wooden flooring. Place them away from wooden floors if possible. Another smart alternative is to use gliders for your furniture.

Work with a professional

Identifying wooden floor damage early can make the fix easier. However, if you overlook the condition and leave it unsupervised for too long, you might end up paying a hefty bill in terms of finance, time and comfort. Consulting a certified wooden floor damage specialist as early as possible can be the key to save money and time on most of the occasions.

Damage to wooden floors from issues like mold infestation can be hard to diagnose. This issue if left to prevail can be equally harmful to your health and the building structure. Foresee these factors and take the necessary steps for long term protection.

Residential-Fire-Damage-United-States-Complete-Statistics

Residential Fire Damage United States: Complete Statistics

A fire breakout is unpredictable. For residential and commercial properties, the potential damage from a fire breakout can be catastrophic. Any victim of fire damage goes through both physical and emotional consequences, in addition to the stress of applying and winning a fire insurance claim.

This piece of content features common causes of fire damage along with the statistics:

Electrical Fire:

As per the National Fire Protection Association’s (NPFA), report (2012-2016), fires from electrical failures and malfunctions were the second major cause of residential fires in the United States.

The local fire department responded to an average of 37630 home fires triggered from electrical malfunction, electrical distribution, and lighting equipment failures during this period.

While these mishaps claimed an unfortunate 18% death rate, the property damage peaked at around 20%.
Nearly 39% of these fires occurred between November – February, surprisingly these were cold-weather months.
In 3 out of 5 homes, the malfunctioned electrical appliances were armed with arcing as the heat source.

Heating Equipment malfunction in united states statistics

Heating Equipment Malfunction:

Heating equipment is another common cause of residential fire in the United States. Heating equipment malfunction contributed to about 15% of home fires in the United States (2012-2016).

Stationary or portable Space was the major heating equipment involved in home fires.

Improper or failure to maintain heating equipment is the major factor that leads to home fires.

Keeping heating equipment too close to combustibles was the major cause of ignition.

Home Fires Involving heating equipment failures in United States

Candle & Grill Fires:

Between 2009 & 2013, the fire department responded to 9300 residential property fires caused by candles. As per the reports, the main areas of candle fire breakouts are bedroom, living room, and bathroom.

The leading factor that contributed to the ignition was the placement of combustible things close to burning candles.

More than one-fourth of the grill fires reported during the period 2012-2016 was triggered due to cluttered or clogged grills.

The main areas of grill fires were balcony or open porch.

Gas operated grill fires were the major grill type that lead to residential building fire compared to charcoal and other solid fuel.

Natural Causes:

As per the NPFA, lightning strikes contribute to an average of 22,500 fires in the United States every year with estimated property damage of $451 million per year.

Florida is known for many lightning hazards that lead to fire damages on an annual basis, earning it the reputation as the lightning capital of the U.S.

On an average 10 to 13 people lose their life to lightening in Florida annually.

Wildfires are another natural cause that contributes to natural fire disasters to a residential property in the United States.

The damages incurred from fire caused due to these natural causes may be covered by a homeowners’ insurance policy. Some policies even cover temporary living expenses if your family is forced to move out of an area due to the risk of lightning fire or lightning strikes. Ensure that you do in-depth research on these options and foresee the risks and vulnerabilities related to your state and its weather statistics.

Smoking Materials:

An average of 5% of residential fires (2012-2016) was started due to smoking materials.

Smoking materials were accountable for 1in 20 residential property fires in the United States.

Open porch and balconies in residential structures were the common areas where the smoking material fire broke out.

Bedrooms and balconies contributed to the popular areas where the smoking material fire broke out and lead to deaths.

Proper disposal of smoking materials is critical for fire breakout. A fire triggered by an improperly disposed of smoking material outdoors can spread into concealed spaces within the property. Such spread can take it times to do the damage before the smoke triggers the emergency alarm.

home fire in US due to smoking materials

Cooking:

During 2013-2017, the United States fire department responded to 173,200 residential structure fires per year caused by cooking mishaps.

Christmas and Thanksgiving were the popular occasions that contributed to cooking-related home fires.

Electric cooking equipment was linked with higher risks of fire breakouts compared to gas cooking equipment.
Unattended cooking was the major reason that leads to cooking fires and causalities throughout the United States.

Leading factors in home cooking fire

Residential structure fires in the United States have been peaking annually. Improper maintenance and negligence leads to disaster in no time. A yearly fire safety inspection is crucial. Ensure that your residential structure fire amenities and precautions are aligned with the rules and regulations set by the county or state.