Essential Steps Homeowners Should Complete When Making a Fire Claim
Fire damage to a home in Lochbuie, CO.
Four Tips to Support Your Insurance Claim Process
According to Home Advisor, residents in Lochbuie, CO, may pay between $3,000 to $30,000 for fire restoration services. The amount varies based on the blaze's size and how much devastation it caused. Many people don't have that much tucked away for a rainy day, yet remediation and rebuilding remain vital.
Therefore, you probably want to rely on your insurance policy to assist with the costs. Does navigating the system seem daunting? Don't fret. Use the following four tips to support your insurance claim process.
1. Start a Fire Insurance Claim Immediately
Call your agent or enter a claim through your online portal, documenting the day of the conflagration and what happened. Early warning allows the agency to begin its paperwork and arrange for adjuster visits. In addition, this closes a gap for concerning questions about why they didn't know about the conditions sooner.
2. Work With Professional Remediation Experts
Your insurance policy supports your post-fire repairs, but the insurer requires evidence and proof of the event and aftermath. Work with a licensed and certified fire restoration team to identify the physical damage, supplying insurers with evidence-based reports.
3. Protect the Property From Other Events
Fires expose homes. The flames created gaps, and the fire crews worked to put out the blaze. Insurers need to know they have proper measures to reduce outsiders from entering hazardous zones, mitigating potential lawsuits. Furthermore, you need to prove that the exposures are closed off to keep out the weather and animals.
4. Document Your Losses and Action
Work with the crew to understand if smoke cleaning is feasible for your belongings. Teams have various equipment to remove the stains and odor, helping you maintain your electronics and valuable possessions. Keep a record of what you can't keep, and snap pictures of it, proving it's damaged. Send images to your ensure to support your property loss request.
Homeowners in Lochbuie, CO, may submit a fire restoration claim to help with remediation efforts. File quickly, prove your interest in minimizing further harm and photograph everything.
What Insurance Companies Expect From Preferred Vendors
Highly trained, highly equipped, and highly experienced.
What Insurance Companies Expect From Preferred Vendors
If you are an insurance agent, you may already be familiar with the concept of preferred vendors. Representatives should be aware of the requirements that restoration companies have for franchises that take jobs associated with insurance claims. Voluntary programs such as the SERVPRO National Account Participation Agreement set higher standards for franchise locations than most independent restoration companies operating in La Salle, CO.
Regular Employee Background Checks
Franchise owners who want to work on insurance company claims must voluntarily agree to a total of 21 requirements under the National Account Participation Agreement. One of these requirements is to run regular staff background checks, which is mandated for several reasons:
- Companies that prioritize regulatory compliance run less risk
- Law-abiding employees are less likely to engage in criminal activity
- Insurers are more likely to cover preferred vendor claims
Additional skill-based requirements relevant to the Institute of Inspection Cleaning and Restoration Certification can also apply. Employees are trained and can pursue further professional opportunities through a program recognized throughout the restoration industry.
IICRC Validated Restoration Methods
The IICRC offers certifications in several areas ranging from specialization in restoring particular types of building materials or contents to more general damage restoration. An insurance agent may also want to seek out a franchise location that has a particular type of specialist.
Professional Vendor Program Projects
Vendors who participate in programs must guarantee that insurance companies and property owners get good results. Restoration jobs processed through the program tend to be in the process of insurance claim settlement or settled claims.
An insurance agent should know what preferred vendors are and be familiar with restoration industry certifications. Insurers should look out for qualifications in line with the National Account Participation Agreement. Agents can locate franchise locations of the largest nationwide restoration company to better serve La Salle, CO.
3 Tips to Prevent a Space Heater Fire
Space heaters cause approximately 25,000 house fires each year.
Minimize The Risk Of a Fire With Your Space Heater
Space heaters can be a simple and cost-effective way to heat a drafty room, but they can also be potentially dangerous. According to the Consumer Product Safety Commission, space heaters cause approximately 25,000 house fires each year. A burned space heater can cause serious damage to your home, leaving you to deal with structural repairs and smoke cleanup. These tips can help you minimize the risk of starting a fire with your space heater.
1. Select a Safe Model
Not all space heaters are created equal, and some are safer than others. Don't use a space heater that is more than 10 years old, has a damaged cord, or shows significant signs of wear. Newer models tend to come equipped with more safety features. A few to look for include:
A safety sensor that automatically turns the heater off if it overheats or gets knocked over.
Certification from an independent safety testing group, such as UL, CSA International, or Intertek.
A power cord that is at least six feet long --- using a power strip or extension cord exponentially increases your risk of a burned space heater.
2. Choose a Location Wisely
Where you place your heater is just as important as which heater model you use. Always place your heater on a hard, level floor, never on a table or counter. Do not place a heater within 3 feet of combustible items such as drapes, furniture, blankets, fluffy or shaggy rugs, gas, paint, or matches. Choose a low-traffic location where pets and children will not be likely to go near the heater.
3. Use Your Heater Correctly
Never leave a running space heater unattended overnight or if you are away from home. Always unplug the heater when you're not using it. When unplugging your heater, grasp the plug (not the cord) and pull it straight out. Never unplug by tugging the cord or pulling at an angle. Doing so could damage the cord, increasing the risk of a short.
Don't let a burned space heater damage your Gilcrest, CO, home. Use caution and follow safety guidelines closely.
The 72 Hours After Roof Damage
Mold growth on the ceiling due to a roof leak.
The First 72 Hours Following Roof Damage
Leaks can undermine the seal of a building envelope in a matter of hours after damage strikes the roof of a commercial structure in Johnstown, CO. Within 48 to 72 hours, conditions may deteriorate to the point where black mold starts to grow on saturated surfaces. Learn more about what can occur during the first three days after roof damage without damage mitigation, roof repair and water damage restoration.
The First Day After Roof Damage
The severity of water damage caused by a roof leak depends on the degree of damage. Here are some potential risks associated with graduated levels of roof damage:
- Minor roof damage exposes roofing materials to damage
- Moderate roof damage admits water under a roof membrane or deck
- Major water damage brings water into a building's interior
While minor damage may only affect the utmost layer of a roof, more severe incidents may compromise the seal of membranes and permit water to penetrate down into the interior of a commercial building and cause a ceiling leak.
The Second Day With a Leaky Roof
The first 48 hours after roof damage are critical for preventing black mold. Property owners should periodically inspect the condition of roofing, especially after severe weather or potentially damaging incidents. It is important to schedule roof repairs and take mitigation measures, such as tarping over damage, within this time frame.
The Third Day of a Roof Leak
Mold growth may start within 72 hours after a leak. Airborne spores settle in moist locations, and many building materials such as insulation and drywall contain cellulose. Fungus converts this plant fiber into simple starches and sugars for nourishment.
Water that filters down through building materials becomes more contaminated and may become grossly contaminated Category Three black water over time. Thorough water damage restoration can keep black mold at bay at a building in Johnstown, CO.
4 Reasons a Faulty Water Heater Could Be a Big Deal
A leaking water heater is a common problem that many homeowners face at some stage.
Four Reasons Why a Faulty Water Heater Is a Big Deal
Nearly every home in the U.S. comes with a water heater. This ingenious device makes sure everyone in the household has access to the wonderful properties of hot water for bathing, washing hands, washing dishes, and washing clothes. Not only does the appliance hold anywhere from 40 to 70 gallons of water, but it also is connected to your plumbing system. A leaking water heater is a serious concern for several important reasons.
1. The Location of a Failed Water Heater
In most homes, the water heater is located on a lower floor. This means it could be out of sight and out of mind; if the unit does leak it might not be discovered for a while. This gives the water time to spread throughout a home, causing additional damage. A local water damage restoration company in Fort Lupton, CO, should be called right away when water damage occurs.
2. The Volume of a Leaking Water Heater
Most units hold enough water to meet household demands and then refill after usage. This quantity is large enough to cause significant damage to household furniture, flooring and personal items. As more water streams into a broken unit, this further exacerbates the situation.
3. The Difficulty of Cleanup
Many homeowners might find it hard to get equipment down into the basement. A professional crew, on the other hand, has the necessary personnel to get vacuums, water pumps and dryers into the impacted area. This will result in a more efficient cleanup.
4. The Technical Nature of Dealing With a Broken Water Heater
While some situations dealing with water damage are fairly simple, handling a faulty water heater often involves complex concerns. This includes removing the old unit and reinstalling a new one.
A leaking water heater is a common problem that many homeowners face at some stage. The situation can be quickly resolved with the help of qualified professionals.
Commercial Property Insurance Basics
A commercial insurance policy can save you a lot of money in the event of a fire.
Property coverage is an essential item in every business budget. Most commercial insurance policies cover damage to your structure in Frederick, CO, as well as any equipment, furniture, or other items that are marred or destroyed in a fire. The answers to the following questions can help you decide which policy to purchase.
What Does a Commercial Insurance Policy Cover?
A basic policy is designed to pay for sudden, accidental occurrences that cause harm to your property. It prevents you from having to pay the cost of fire damage mitigation services out of pocket, and it doesn't just cover the building itself. Other features of your property may be included in the policy:
- Office equipment
- Manufacturing machines
- Important documents
- External structures
What Factors Affect Cost?
Most commercial insurance coverage provides comparable protection, but if there are factors that put your business at a higher risk of fire, your policy will likely cost more. For example, a restaurant owner is probably going to pay more for insurance than someone who runs an office building. Newer buildings with better safety features such as fire-resistant building materials and a state-of-the-art fire suppression system can often get better insurance rates. When you meet with your insurance agent, be sure to ask about the factors that affect the cost of your policy.
Does It Matter Whether You Own or Rent?
If you own property, you need insurance to cover all the items listed above in the event of a fire. If you are renting from someone else, though, you still need to protect yourself. Your landlord's policy will probably only cover the items he or she owns. You still need coverage for the items inside, such as computers, phones and files.
A commercial insurance policy can save you a lot of money in the event of a fire. Make sure you have the right coverage for your business.
How To Check a Commercial Roof for Hail Damage
Hail can cause damage to your roof.
A commercial building may incur roof damage during a major hail storm in Mead, CO. The type of roofing material used on a structure will determine the type of damage hail can cause. Building owners and managers should be aware of the type of roof on a commercial structure and may want to personally inspect roofing or contact roofers after a storm strikes.
Know the Risks to Roofing Posed By Hail
The type of roofing on a commercial structure will determine how susceptible materials are to getting damaged by hail. These are four of the most common commercial roof types:
- Built-up membrane
- Modified bitumen
- Rubber membrane
- Thermoplastic membrane
A built-up membrane commercial roof may experience hail damage around exposed areas such as flashing. Any type of membrane runs a risk of getting punctured. If the owner or manager of a building is not sure what damage looks like on a particular type of roof, it is a good idea to contact a roofing inspection and arrange for a post-storm inspection.
Check the Roof After a Hail Storm
Check a membrane for visible signs of roof damage after a hail storm. Large hail and small stones can both pose puncture risks. High winds can also tear off components that secure roofing and compromise the protection a roof provides.
Contact a Roofer About Signs of Hail Damage
If you see signs of damage from hail on a roof or suspect that damage may be present, it is a good idea to schedule an inspection. A roofer can identify problems before they result in leaks that damage a commercial building.
Hail has the potential to undermine the seal provided by any type of roofing membrane. Once hailstones cause roof damage, it is only a matter of time before water damage affects an attic and the ceilings of a structure located in Mead, CO.
3 FAQs About Lightning and House Fires
A lightning bolt's primary goal is to find the least resistant path to penetrate deep into the ground.
Lightning and House Fires
A lightning bolt's primary goal is to find the least resistant path to penetrate deep into the ground. This makes most homes the perfect target. All of the conductive lines in your home attract bolts, which can start a lighting fire in your home. To better protect yourself from suffering this event and having to find a fire remediation company, you should know some of the key facts about minimizing your risk.
1. How Can You Stay Safe During a Storm?
Since water pipes and electric lines will attract the bolt, you should stay away from these during a storm. Avoid touching them. This means you should avoid taking a shower, washing your hands, doing dishes, playing video games, typing on a computer, or using any other wired device to avoid a lighting fire. It is safe to use wireless devices. Stay away from any windows that have metal frames as well.
2. What Should You Do If Your Home Is Struck?
If your house is struck, you should begin looking for signs of lighting fire. Check your attic and other high spots for any smoke. Feel your walls for hidden heat. If you notice anything, call for help. Additionally, watch for debris from chimneys, roofs, and walls.
3. Should You Have a Protection System Installed?
A protection system can greatly reduce fire risk in your home in Platteville, CO. Before spending the money on one, assess your risk of a strike and the proposed benefits. A good insurance policy may be a better option in many locations. However, high-risk homes can benefit from a system. Be sure to read about the various types before installing one.
To protect yourself from a house fire caused by a storm, you should understand more about what you can do to minimize your risk. Knowing what to do in the face of a disaster is also a good option.
4 Questions to Identify the Cause of Your Basement Flood
A flooded basement in Hudson, CO.
What Caused Your Basement To Flood
When you have a flooded basement in your home in Hudson, CO, acting quickly can prevent further damage down the road. Although water under the house is not something any homeowner wants to deal with, ignoring the problem is never wise. For this reason, familiarizing yourself with the top causes of a basement flood can help you know what to do if you ever find yourself in this situation. If there is extensive flooding, you may need to call a water damage remediation expert for assistance.
To figure out where the water is coming from, ask yourself these four questions.
1. What Is the Home's Location Like?
When it comes to locating the source of water under a home, one of the first things to consider is the land that is underneath the foundation. Ideally, you want to build your house on a sloped terrain so water can flow away from the basement area, but realistically speaking, this does not always happen.
2. How Is the Sealing in the Floors and Walls?
Another question worth asking is about the floors and walls. Take a look around your basement. Do you notice anywhere with damaged sealing between floor tiles or wall panels? If so, water can easily seep in during extreme weather and cause a basement flood.
3. Is the Gutter System Clean?
Next: How are the gutters? If you notice debris blocking water, clean them out. When you do, remember to check the eavestroughs underneath the edge of the roof. If water continues to overflow despite having a clean gutter system, you may need to replace your current eavestroughs with larger ones.
4. Does the Drainage System Work?
Finally, how is the installation of your drainage system? If it is not working properly, this is another thing a professional can help with. Sometimes, all it takes is a little downspout readjusting.
When you experience a basement flood, understanding the top causes can help you more quickly identify the best solutions. These questions can help guide you.
How To Avoid Spending Money on Water Damage Repairs
Water leaks can go unnoticed for extended periods of time.
Avoid Spending Money on Water Damage Repairs
While insurance can help you pay for emergency restoration services, you probably want to avoid making a business claim entirely. Unfortunately, there are lots of disasters that could force you to contact your insurer.
Freezing and water damage is the second most common cause of small business insurance claims. This category encompasses many types of losses, including:
- Warped floors or walls
- Destroyed carpets or inventory
- Structural harm
- Mold growth
A typical water or freezing claim costs $17,000. Some disasters, including floods and mold growth, are typically excluded from commercial policies. However, you can add endorsements to provide further coverage. Here are some other ways to avoid spending your company's hard-earned money on water damage repairs.
First, you should develop a disaster plan. This should include purchasing the proper insurance. Keeping your policy up-to-date and buying endorsements can limit the out-of-pocket expenses that your Firestone, CO, company incurs following an emergency. Do not wait until you have to file a business claim to check that you have sufficient coverage.
Your plan should also detail the resources you will have available along with processes for minimizing and assessing the damage following the disaster. Be sure to include a strategy for keeping your company operational following the water loss, as well.
Prevent Water and Freezing Damage
Of course, the best way to limit how much you spend on emergency repairs is to prevent water disasters entirely. There are several ways to do this. Start by sealing any gaps or cracks in the foundation. This should prevent water from leaking into the building during a rainstorm. You should also clean the downspouts and gutters regularly.
A frozen pipe break can cause significant harm, as well. You should thus insulate the pipes and keep the premises' temperature above 55 degrees Fahrenheit.
A business claim should help you pay for repairs following a water loss. Since these repairs can be costly, you should maintain your policy and prevent excess water from entering your premises.