Commercial Insurance: Is Mold Damage Covered?
Mold inside a wall
Three Things Commercial Insurance for Mold Covers
In Oakland, KY, there are a number of different events that may lead to the development of mold. If your commercial property undergoes any event that leads to mold, you may wonder what kind of insurance will cover your mold cleanup and fungus removal. If you have a mold problem in your building, you could be liable. When you run a business, it is your job to make sure that you have all of the proper insurance coverages. Here are three things commercial insurance for mold covers.
1. Costs of Replacement
When it comes to getting to the mold for fungus removal, sometimes mold remediation specialists will have to tear up structures to create access points. If your mold is inside the walls, for instance, you will have to break through drywall or other structures to get to the mold. When you do this, you have to replace your walls and other parts of the structure. Commercial insurance covers these costs.
2. Physical Losses and Damages
When you have limited fungus coverage, then you will have coverage for any physical loss or damage that you suffered because of the mold damage. If you have to replace any part of the building or replace any property, you can recoup the costs. In addition, these losses also cover the mold cleanup itself.
3. Testing Costs
After fungus removal, insurance will cover tests that ensure that the cleanup was successful. Say, for example, that you have the drywall or ceiling tiles replaced; you need to make sure that you got rid of every trace of mold. This will keep it from returning later.
Mold can be a problem in every building. If you need to invest in mold cleanup, it’s important to note that commercial insurance may be able to pay for it. With the right insurance policy, you can have coverage for mold remediation and hire a business to take care of your mold problem “Like it never even happened.”
Storm Damage and Home Repair
Cleaning after storm damage in Rockfield, KY
Three Most Critical Components of Home Restoration
If your home gets hit by a storm and there is significant water damage you should expect your home to be under construction for quite some time in order to be treated and restored properly and safely. Depending on the extent of the damage incurred you may need to tear out walls and maybe even rebuild a portion of your home’s foundation. Here are the three most critical components of home restoration that you can expect if you need emergency restoration services in Rockfield, KY.
1. Water Removal
The first thing that needs to happen is to remove as much water as possible from inside your home. This includes removing all materials that are soaked (including carpets, bedding, mattresses, curtains, etc.), then using submersible pumps and industrial strength wet/dry vacuums to remove as much water as possible. After the majority of water is removed you probably need to set up some high-powered fans to dry out any remaining moisture in your home’s interior.
2. Extract Wet Infrastructure
If you experienced a substantial amount of water damage there might be water inside your walls, cabinets and floors. Storm restoration may entail tear out of your home’s infrastructure, someone may need to remove your drywall and perhaps even entire portions of your home. If the damage is this bad you should expect to need alternative lodging while repairs are being completed.
3. Clean and Sanitize
After the water is removed and all tear out tasks have been completed your home will need to be thoroughly cleaned and sanitized. The extent of cleaning necessary will depend on the amount of water damage that was done. Sanitization is critical after cleaning to ensure no mold particles are left behind. Mold can be very toxic to all your home’s inhabitants so antimicrobial and antibacterial treatments are very important.
How to Choose and Use a Fire Extinguisher
The best way to operate a fire extinguisher is to remember the word PASS
Grease is popping. Pots and pans are everywhere. You’re getting ready for a dinner party with family and friends. There’s chaos in the kitchen. Your attention is on a million different things. So not being aware a dish towel is too close to a stovetop flame may not catch your attention, until it’s too late. Your dinner and your kitchen go up in smoke because you didn’t have a fire extinguisher. It’s time to find the right extinguisher for the kitchen and the rest of your home. This article will help you choose and use the one best for you.
Types of Fire Extinguishers
There are several types of fire extinguishers you can use for the house and come in several classifications.
- Class A: Trash, wood and paper fires
- Class B: Liquids and grease fires
- Class C: Electrical fires
- Class D: Flammable metals
- Class K: Specifically used for a kitchen fire when grease and oil are involved. Restaurants and commercial kitchens keep these on hand.
An ABC type of extinguisher has chemicals combined for use against the different kinds of fires that can erupt in the home. Place several throughout in bedrooms, the kitchen, laundry room and the garage. Also, place anywhere there is a heat source.
According to the U.S. Fire Administration, the best way to operate a fire extinguisher is to remember the word PASS.
P: Pull the pin. Hold the extinguisher with the nozzle pointing away from you and release the locking mechanism.
A: Aim low. Point the extinguisher at the base of the fire.
S: Squeeze the lever slowly and evenly.
S: Sweep the nozzle from side to side.
When looking for the best fire extinguisher in Oakland, KY, keep in mind that although having the best type for your house and using it correctly may not completely put out a fire. Put your fire escape plan into action and get your family to safety. A fire damage restoration expert is an excellent source of information for any questions you have.
What Happens to Your Office After Storm Damage?
Water removal, drying, tear out and restoration are critical components of cleaning up after a flood.
Flooding is one of the most damaging environmental disasters that can occur in your office building. If you’re not properly prepared, you can face significant damage and financial consequences. It’s also important that you have the assistance of an expert to tear out affected areas and thoroughly clean up the water and other damage. The Professionals will follow effective steps to ensure you can get back to regular business soon.
4 Steps Professionals Will Follow After Storm Damage
Inspect the damage
The storm restoration team will begin its work by taking a look at the extent of the issues in your building. The team will assess how much water got into your facility and whether there was any black water involved. Once the restoration professionals see the effects of the water damage, they can formulate a plan of how they’ll get your building back to a state where you can resume operations.
Get Rid of Water
The first cleanup effort will be removing water from the flood. The experts will use a proven process to do this.
- Use industrial strength water extractors.
- Dry the affected area once water is removed.
- Sanitize the area to discourage the growth of mold and other harmful materials and substances.
Once the water is gone, the restoration team will remove any severely damaged carpet, flooring or drywall. This tear out process can be extensive depending on how large the flood was and how long the water sat in the area.
In major flooding incidents, the team will perform restoration. This process can take several weeks and may involve rebuilding portions of your office space. Be prepared to make some adjustments to your operations because your facility in Bowling Green, KY, may not be in regular working order for a long period of time.
Water removal, drying, tear out and restoration are critical components of cleaning up after a flood. Make sure you call a reliable company to handle this effort.
Does Your Business Have an Emergency Action Plan? If Not, it Should
Does your business have an emergency action plan?
According to the Occupational Safety and Health Administration, your Rockfield, KY, business must have an emergency action plan if anyone will be evacuating your place of business in the event of a fire or emergency. The only exception to this rule is if everyone in your place of business is trained and equipped to fight fires, in which case evacuation is not necessary. Unless you employ a fire brigade, it is unlikely this exception applies to you. Here's what you need to know regarding your future contingency plan.
What Is an Emergency Action Plan?
An EAP is a plan that details what you, your employees and customers must do in the event of a workplace emergency. A well-developed evacuation plan and adequate training can help prevent severe injuries and even serve to lessen structural damage to your building during a fire or other emergency. A poorly-developed plan, on the other hand, may lead to a disorganized evacuation and result in the following:
- Injury and confusion
- Significant property damage
- Monetary loss
You can avoid the consequences of a disorganized evacuation by preparing a sound contingency plan.
What Should Your Plan Cover?
If you employ more than 10 individuals, your plan should be written out and distributed to each team member. However, if you operate a small business, you can communicate your plan orally. Regardless of how you communicate your evacuation plan, its overreaching goal should be to organize employer and employee actions in the event of an emergency. There are certain elements of an EAP that can help you achieve an organized evacuation:
- Evacuation processes and escape routes
- Means of reporting the emergency
- Processes to account for all employees post-evacuation
- Procedures key employees should follow if they must stay in the building to perform critical plant operations
- Medical and rescue responsibilities for employees who are equipped to perform them
Ideally, you should work with a professional fire damage restoration professional to develop a solid contingency plan. Your proactive approach could prevent injuries, save your building and reduce the cost of an emergency.
Water Damage Prevention During Construction
Work with professionals who can take appropriate measures
Tips that Can Help You Prevent the Need of a Water Pipe Repair During Construction
When building your Richpond, KY, business property, making repairs, or adding an addition, it's important that your plumbing is treated carefully to prevent potential water damage issues. Here are some tips that can help you prevent the need of a water pipe repair during the construction process.
1. Have The Area Inspected Before Construction Starts
Before you start construction it's important to have the area inspected so that the crew and any other professionals working on the property know exactly what needs to be done, and where any water lines are. If you find water damage before construction then a water damage restoration professional can help make those repairs part of the construction process.
2. Work With Professionals Who Can Take Appropriate Measures
It's important to choose professionals who know how to work around your businesses existing plumbing so that an accidentally flooded area can be avoided. Having a professional team who can perform a water pipe repair may also be important in case any previous damage is discovered. That way you can feel secure in the fact the team of professionals working on your construction project will know how to find and identify any related water damage, and make the appropriate repairs.
3. After Construction Test Everything To Ensure Functionality
Another way to help prevent a broken pipe is to properly test everything after any construction projects are finished. This will help you know any plumbing projects were completed correctly, and give you time to go over the proper maintenance procedures with the professionals that completed the installation.
It's best to have your plumbing inspected before construction even begins. Many recommend working with professionals who have the ability to take care of any potential water pipe repair needs, and testing the plumbing functionality as construction wraps up. If you do experience flooding, a professional water damage restoration service may be able to help.
Understanding the Causes of Water Damage
Leaking toilet in a Richardsville, KY home
Common Reasons Why Water Damage May Occur in Your Home
Water damage in your Richardsville, KY, home can be caused by a number of factors, such as natural disasters, leaking appliances, flooding or a pipe burst. Once you have identified the source of damage, you can use the information to deal with the problem appropriately. Here are some of the most common reasons why water damage may occur in your home.
A leaking appliance or other object in your house could be the cause of water damage. The sources of a leak may include:
- Water heater
A leak that originates from any of these objects can build up over time and create an ongoing water damage problem in your home. Regardless of which item in your living space is causing concern, be sure to address it immediately before the damage continues to spread.
Excess water can be found in any area of your house, but basements tend to be more susceptible to flooding. Many factors such as a broken water line, defective sump pump, stormy weather or a pipe burst can lead to unwanted water in this area of your home. Dealing with a flooded basement can be an overwhelming job, which is why a professional can best address the situation by removing water and minimizing damage.
The impact of natural disasters can devastate your home in a number of ways. Whether you are facing damage that has resulted from a thunderstorm or hurricane, the excess water from these natural events can lead to a buildup of water damage in your home. Be sure to examine the areas of your living space where water has accumulated and assess the level of damage before help arrives.
Water damage in your home from a storm, pipe burst or other source must be taken seriously and addressed immediately. Regardless of what caused the damage, a water damage specialist can help restore your home.
Will Insurance Cover a Home Fire?
Fire damage in a Smiths, KY home
If a fire ever occurs in your home in Smiths, KY, you’ll be relieved to learn that almost all house fires are covered by a homeowners insurance plan. However, there are two specific circumstances that your plan will not cover. Here is come useful information on how homeowners insurance can help you cover the costs of fire damage and what home fire situations are not covered.
What Insurance Covers
In most cases, your homeowners insurance will pay for many of the costs associated with a house fire including:
- The actual structure of your home
- Detached structures such as sheds, fences, etc.
- Landscaping elements including trees, shrubs, and grass
- The replacement cost of personal belongings
- The cost of fire restoration services
- Additional living expenses if you cannot stay in your home
It is important to note that if you lose personal belongings such as furniture, clothing, or anything else that is considered your property, insurance often pays the replacement cost of the lost property. Replacement cost is the amount of money it would cost to replace something, opposed to its actual cash value. You will need to check with your insurance to find out what your policy pays.
What Insurance Doesn’t Cover
Whether the home fire was caused by something outside of your control, such as lightening striking your home or a wildfire in your area, or an accidental cause, for instance, leaving the stove on or forgetting to blow out a candle, your insurance will provide coverage. The only cases your insurance won’t cover is arson committed purposely by the homeowner or a vacant home fire. Vacancy is often defined as a home that hasn’t been occupied for 30 days or more.
You should always check with your insurance company to find out the specifics on what your policy covers in a home fire. Unless the fire was caused by attempted arson insurance fraud or vacancy, you can typically expect insurance to cover you.
Your Guide to the Nooks, Crannies and Crevices in Which Mold Likes To Hide
Mold damage in a Plano, KY bathroom
Mold. It's a word that sends a shiver up just about any homeowner's back. However, mold growth is much more common than most people like to think, and there's a good chance your home is hiding a few patches or two of the pesky fungus. The best way to find out is to look in all the spots where mold likes to hide.
Where To Check for Mold
Despite popular belief, mold does not confine itself to the walls of basements or beneath bathroom sinks. So, where do you want to check for the growth? To be safe, complete a thorough assessment of each of the following rooms:
- Living room
- Basement, attic and garage
- Laundry room
It's not enough to perform a quick sweep of each room though. You want to check every nook and cranny just to be sure mold growth hasn't sprouted in an unexpected location.
Dig Deep To Uncover Mold
You may be surprised just where you discover mold patches. From mold on wood to moldy drywall, you may uncover it all in your home. For this reason, you should really have a Plano, KY, mold remediation professional assess your home for possible signs of the fungi.
When checking your bathroom for mold, check in the shower stall, beneath the sink, around the toilet, in the walls and on the floor. Also, check your bathroom rugs and shower curtain, as both are known to harbor mold.
In your kitchen, you want to check on, in and under your sink. Check your fridge, both inside and outside of it. Evaluate the pantry, inside the microwave and in and on the stove.
In the bedrooms, check your mattresses. In your living room and bedrooms, check the windowsills, heating and air conditioning vents, curtains, plants and other pieces of furniture. In areas where there is pipes or ductwork, check around those. If you discover mold growth anywhere in your home, contact your Plano, KY, mold cleanup team.
Design and implement an emergency action plan for your entire building
If you own or operate a business in Bowling Green, KY, you may be interested in improving your building's resilience to inclement weather such as a spring storm. Don't delay implementing the simple tips below to improve the quality of your working environment and the well-being of your employees.
1. Awareness of Conditions
The most basic step you can take as a responsible administrator is to stay aware of the local weather. Someone on staff should have as part of their job responsibilities a daily review of the weather forecast. If severe storms are projected, stay tuned to a NOAA radio broadcast or website for further information. Design and implement an emergency action plan for your entire building, including shutdown and evacuation procedures.
2. Preventative Maintenance
Even if you can't change the weather in your area, you can keep your building from suffering undue storm damage when the worst conditions strike. Maintain your buildings water and air barrier through yearly inspections of the plastic sheets, basement pumps, and roofing materials. Any moisture that has accumulated in the insulation or flooring should be deferred to a qualified flood cleanup professional. Make sure that all pipes and piping joints are in good condition and have sufficient sealant. If a pipe break occurs, shut off all water at the mains and locate a replacement part immediately.
Flooding during a spring storm can also be the result of poor landscaping. Ensure that the grade of the soil and roads near your property slopes away from doorways and crawlspace entry points. Check for blockages or overgrowth near drainage ditches. In flowerbeds, use heavy mulches or gravel to allow for drainage and to prevent erosion.
The checklist for flood readiness doesn't have to be miles long. By adding a few common sense steps to your monthly routine, you can be prepared for any spring storm.