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How To Get Mold Insurance Coverage

1/9/2020 (Permalink)

Inside of a drywall covered with mold Moldy office in Alvaton, KY

How To Get Mold Insurance Coverage

You have probably heard horror stories about mold destroying properties. Without proper insurance, your company could have to use its profits to pay for mold remediation services.
That is why you need to make sure you have proper insurance coverage. Mold insurance claims can help pay for the following:

  • Property damage
  • Mold cleanup and restoration costs
  • Bodily injury

Unfortunately, general commercial liability insurance does not always cover mold damage. However, you may be able to add mold coverage to your policy.

Mold Insurance

Some general property or liability insurance policies do cover mold, but the coverage is usually limited. Oftentimes, they don’t even cover the cost of remediation or investigation.
However, your pollution liability policy may allow you to file a mold claim. You can also add mold coverage to this pollution insurance.

Mold Management

Even if you do have proper insurance, there is no guarantee that the insurer will pay for the mold damage. If you do not take proper steps to mitigate the spread of the fungus, your mold insurance claims could be denied.
To prevent this from happening, make sure your Alvaton, KY, business has a mold management plan. You should have policies in place to both prevent mold growth and address any visible signs of the fungus.
Keep in mind that mold can appear just 24 to 72 hours after water damage occurs. Any floods or leaks must be cleaned up immediately to ensure the insurance provider accepts your claim.

Filing Your Claim

After the mold strikes, you should contact your provider to find out the type of coverage you have. You should also pick black mold cleanup specialists who work with the insurance company. This will make the mold insurance claims process less stressful for you and your business.
You don’t want to be stuck without insurance when a mold disaster strikes. You should thus make sure that mold coverage is part of your commercial policy.

Preventing Frozen Pipes This Winter

1/9/2020 (Permalink)

Pipe insulation Insulate pipes that pass through unheated areas of the building

As the weather turns colder and the snow piles up, it’s important to understand how the changing seasons affect your facility’s maintenance routine. Winter poses different hazards and there are different methods of preventing them. Keeping your building warm and dry means understanding these risks and doing the work that will protect you from them. Let’s talk about how to prevent frozen pipes, which can burst and lead to water damage indoors.

Tips for Preventing Pipe Freezing

Use the following tips to help prevent issues with pipes freezing:

  • Keep the thermostat at the same temperature day and night.
  • Add insulation to crawlspaces and utility access areas.
  • Insulate pipes that pass through unheated areas of the building.
  • Increase ventilation to pipes in kitchen and bathroom areas.

The general rule you want to follow is this simple: Making sure your pipes receive the benefit of your regular HVAC climate controls will prevent ice from forming in them. That’s why it’s important to check on insulation and to keep your temperature controls at a reasonable setting day and night. Temperature fluctuations in the main work areas are amplified in crawl spaces and other less-insulated parts of the building.

Pipes Freezing in Extreme Temperatures

No matter how hard you try to prevent frozen pipes in Smiths Grove, KY the winter weather occasionally just throws you a curveball. That means there’s a chance an extreme cold period could overcome your prevention measures, especially if that cold snap is more drastic and longer than usual for Smiths Grove, KY. When that happens, it’s important to have an emergency plan.

This emergency plan needs to include local restoration experts who know how to deal with a burst pipe, so you know that you will get help with cleanup and with water line repair afterward. If you work with your insurance company and plan, it’s easy to make sure your choice will be covered, too, so you have an easy-to-follow plan of action when an emergency strikes that will help your facility bounce back after an emergency.

What To Do Immediately Following a Pipe Break in Your Home

12/31/2019 (Permalink)

hand shut off main valve, close-up. Shut off the main supply valve

What To Do Immediately Following a Pipe Break in Your Home

Homes are filled with water lines and waste lines, and while these crucial elements are well protected within walls and floors, they sometimes fail. Bursting pipes can lead to significant home damage and renovation cost, which is why it is necessary to act quickly and contain the problem. You can do this by following a simple three-step process.

  • Shut off the main
  • Request an insurance adjuster
  • Call a remediation company

Shut Off the Main

You must shut off either the supply valve to the specific pipes or the main water supply to the home to prevent the most water damage. By turning the valve off, you reduce the amount of pressurized water in the line and thereby the amount of water that can pour out into your home.

Request an Insurance Adjuster

After you have the bursting pipes under control, reach out to the insurance company providing your homeowner's policy. Making contact sooner helps to ensure that an adjuster will get out to your house quicker, which is essential to the claims process.

Call a Remediation Company

Last, call a remediation company in Oakland, KY, to fix the broken pipe. A reputable remediation company will guide you through the claims process and even act as the middleman between you and your insurer, making sure that you get the most out of your policy. Restoration companies typically send someone out to assess your property after a disaster and then make suggestions for mitigating further damage while waiting for the adjuster.
Plumbing is an essential element to the usefulness and effectiveness of a home, but with that use comes risks and responsibilities. Bursting pipes can lead to considerable damages, but if you keep a level head and perform the steps above, then you can reduce the overall damage significantly. Shutting off the main water supply, calling your insurer and then contacting a remediation company helps to ensure that you can move back home after the disaster cleanup is finished.

3 Ways To Contribute to Urban Flooding Prevention at Your Business

12/31/2019 (Permalink)

High water levels High water levels can damage your Alvaton, KY commercial property

3 Ways To Contribute to Urban Flooding Prevention at Your Business

Violent storms and several consecutive days of flooding in Alvaton, KY, can cause problems like high water levels and damage to your commercial building. When this occurs, you might face problems such as poor water drainage, serious flooding in the basement and first floor and damage to equipment and inventory. However, you may be able to avoid these issues by contributing to your city’s urban flood prevention plan, and there are several ways you can accomplish this.

1. Cultivate a Rooftop Garden

If your commercial building has a flat roof, it could be prone to water retention. If rain remains consistent over several days, this could cause the weight of gathered water to damage the roof, especially if the drainage system or gutters are not effective. Creating a rooftop garden could help absorb rainwater and utilize it in a way that is healthy and positive. The absorption might also reduce runoff, and a garden creates a space that everyone can enjoy.

2. Gather and Reuse Rainwater Runoff

You may be able to stop flooding issues around the perimeter of your building and lower the risk of local water damage by installing rain-catching systems. You can either purchase these at your local home improvement store or create your own with large, sturdy barrels and PVC piping. During a storm, rainwater will filter into these containers, which you can then use to water the trees and other vegetation around your building. While this might not stop flooding or high water levels completely, it may have a positive effect on flood problems on your street.

3. Have Your Sewer System Inspected

Flood prevention can come in many forms, and one that you may not have considered is keeping your building’s sewer system in good condition. Flooding can have a serious impact on buildings that have poor sewage and drainage systems, so you may want to contact a flood damage and restoration service for advice about how to have your sewage pipes checked.
High water levels and other types of flooding can damage your Alvaton, KY, commercial property. Knowing how to contain flooding may protect your building and contribute to your city’s flood prevention plan.

The 4 Top Steps for Fire Preparation

12/31/2019 (Permalink)

Red Fire Truck Details of the Side and of the 911 Telephone Sign Call in the fire department

The 4 Top Steps for Fire Preparation

A business fire definitely qualifies as a disaster. To minimize the effects of a fire on your company a number of proactive steps should be taken. The top four actions to take for effective fire preparation in Plum Springs, KY, include some basic common sense and some smart planning.

  1. Equip your building with strategically placed smoke alarms and fire extinguishers
  2. Install a modern fire sprinkler system that protects the most crucial areas of the business
  3. Educate your employees on what actions to take when a fire breaks out
  4. Call in the fire department and a local fire mitigation team

Proper disaster preparation saves lives and property. It reduces business expenses and leads to a rapid recovery.

The Right Equipment

The fundamentals of fire preparation demand working smoke alarms and fire extinguishers. Alarms alert everyone to a fire quickly while extinguishers can be used to put out a small fire. Make sure someone is responsible for checking on these items periodically for functioning batteries and expiration dates. A sprinkler system brings water to flames quickly and is a great way to limit fire damage. The system will only be activated by flames and will not go off by itself or from small fires such as a lighter or cigarette. A good system can put out a fire on its own.

The Right Knowledge

Employees trained in the best practices of fire response have a crucial role to play in protecting your business. They can direct other workers and clients to the fastest exits and they can call the right people immediately. A faster response gives the fire less time to gain momentum. A small fire will do less damage and result in a shorter period of business interruption. The best fire preparation also takes into account the cleanup of soot and smoke damage in the aftermath. Professional cleanup removes water from the site and seeks to protect sensitive electronics from further harm.

What To Expect When a Storm Causes Flooding

11/16/2019 (Permalink)

Flood water discovered in your basement after a storm has come through Rockfield, KY, can leave your home in a mess. The prospect of water damage and a tear out can be daunting, but having realistic expectations can help you cope better with the disappointment.

What Can Happen to Your Home

It is important to understand the possibilities in order to prepare emotionally and physically. Here are some of the likely effects of a serious storm system.

High winds could loosen or tear away shingles, rain gutters or shutters
Branches and even trees can be torn loose and fall, breaking windows or damaging the roof or siding
A heavy downpour can force water into cracks, causing leaks in the roof
Large hailstones can break shingles or windows, and may also pit aluminum siding
Rising water can find its way into the home through window wells, under doors, through cracks in the foundation, or even backing up through the sewer

How to Cope With the Aftermath

If the worst happens and you end up with water in your home, the most important thing is to extract the water as quickly as possible. A shop vacuum will likely not cut it when it comes to removing a lot of water. You would do well to call a water and storm cleanup and restoration service in Rockfield, KY to help out with their industrial equipment. They can use powerful extraction equipment and assess the damage. It may be necessary to do a tear out and replace carpet, subfloor and sheetrock due to saturation and contaminants. An expert cleaning and disinfection should be done as well.
Following the tear out, the storm restoration service can help with repair and replacement of damaged structural elements. There is nothing you can do to stop a storm, but knowing what to expect can help you deal with the issues with a more level head.

Protecting Your Building From Flood Damage

10/30/2019 (Permalink)

A pile of PVC tubes in a warehouse with flooded water Storm damage in a Richpond, KY warehouse

Take Steps to Protect Your Commercial Building from Flood Damage

Flood damage from a storm can destroy your Richpond, KY, commercial building. Unfortunately, global warming and heavy rains have increased this risk in recent years. Major hurricanes have devastated communities that are not used to severe flooding. According to the National Oceanographic and Atmospheric Association, even minor or nuisance floods are occurring with increased frequency.
This type of storm damage is not easy to come back from, either. The National Flood Insurance Program reports that at least 25 percent of companies that close following a flood have to shut down for good.
Even if your business does survive, the flood cleanup process can be extensive. That is why you should take steps to protect your commercial building from flood damage. You can do this by:

  • Moving your structure to higher ground
  • Elevating the building above flood levels
  • Building levels or barriers to block floodwaters
  • Using seals, pumps and barriers to flood-proof the building


The U.S. Army Corps of Engineers has found that flood-proofing is the most cost-effective of these methods. Still, before you implement any flood mitigation strategies, there are some factors you need to consider.
First, of course, is the cost. You should analyze any potential projects and determine if the benefits outweigh the expenses. The amount of time each plan takes to implement and whether it puts your employees in danger should be taken into account, as well.

Operational Plan

Your flood-proofing strategy should include an emergency plan that all your employees know and understand. Make sure that they all know what to do and where to go during a major storm.


You can also limit storm damage to your building by performing regular maintenance. This includes looking for cracks in the walls and floors along with checking any shutoff or backflow valves.
Of course, no flood damage mitigation strategy is fool-proof. That is why you need to look for reliable storm cleanup restoration specialists ahead of time. They can assist with the rebuilding process.

4 Costs Insurance May Cover When Your Frozen Pipes Burst

10/14/2019 (Permalink)

The pipelines in the insulation and pressure gauges flow and return pipes in the boiler room of a private house household Insulate your pipes and turn up the thermostat

It happens every year. In Richardsville, KY, the temperature falls below freezing. When it does, there’s a possibility your pipes will freeze, too. Even if you take precautions, if the pipes burst anyway, the cost to clean up the damage may be hefty. The Insurance Information Institute reports between 2013 and 2017, insurers paid out an average of $10,234 per insurance claim for water damage and freezing. However, insurance does not pay for the actual cost of the repair.

What Insurance Covers

Most insurance companies will cover an insurance claim citing “sudden and accidental” water damage. This includes damage caused by frozen pipes. However, your insurance company will want to verify you did everything possible to keep the pipe from bursting. If they approve your claim, they may cover the following:

  1. Tearing out the wall to reach your pipes: The plumbers need to have a way to access your pipes, and unfortunately a wall or cabinet may have to come down.
  2. Restoration of your property: After fixing the pipes, walls may have to go back up or cabinets need replacing.
  3. Further repairs: Other parts of your house may need fixes, such as the wet carpet or ruined hardwood floors.
  4. Alternate living costs: You may also receive extra money for living expenses if you cannot live in your house while it is being repaired.
    Your agent may pay out when you file an insurance claim for damage due to frozen pipes, but to save money, be proactive and protect your pipes before the freezing weather hits.

How To Prevent a Burst Pipe

Remove garden hoses and cover the faucets. Insulate your pipes and turn up the thermostat. Don’t forget to check the pipes that run through your attic. You can insulate all your pipes with foam insulation or heat-rated tape. A home restoration specialist can give you more tips about how to shield your house during the winter months to avoid water damage.

Safeguard Your Home with Smoke Detectors

10/7/2019 (Permalink)

Ionization smoke detector An ionization smoke detector is ideal for detecting rapid-burning fires

Many people in Plano, KY, may love their open floor plan and the new furniture or curtains made with synthetic materials, but if a fire breaks out, these contemporary trends may mean a faster burning fire. The first line of defense for fire safety is a smoke alarm.

Alarm Placement

A smoke alarm should be installed on every floor of a house. It is recommended that there is one inside each bedroom, as well as outside each sleeping area. People who own larger homes should plan on having more to ensure optimal protection.

The Difference Between Detectors

Understanding how many you need is important. It also is good to understand that not every smoke detector is the same. There are different types that detect using different methods.

  • Ionization – These feature two metal plates with electrodes that maintain a constant current. When smoke enters it, the electrical connection is broken, which sets off the alarm. These are ideal for detecting rapid-burning fires.
  • Photoelectric – Instead of an electric current, these feature a light beam. If smoke enters its optical chamber and disrupts the light, the alarm goes off. This type has proven efficient with slow fires and has few false alarms.
  • Dual – There are detectors on the mark that use both processes in one unit. Many of these often include carbon monoxide sensors.

Regardless of which is right for your home, ensure that any detector you buy has a UL label. This ensures that it has been tested and certified to meet safety and operational standards.

Detection Away from Home

For people who frequently travel or want peace of mind while away from home, smart detectors are becoming more popular. Available in the common types listed above, these send an alert to your phone if smoke is detected.
No matter your budget or size of home, a smoke alarm is a safety tool that shouldn’t be overlooked. Getting your family out of a burning home is the only priority. Once the fire subsides, count on the professionals to help deal with the aftermath.

The Most Common Places To Find Mold

9/25/2019 (Permalink)

Mold on a white wall Mold damage in a Smiths, KY home

The Most Common Places To Find Mold

You may think that mold damage manifests willy-nilly and that you can't begin to guess where it will turn up next. However, if you are aware of the conditions that bring mold about, it can be predictable. Once you have this ability you can more easily combat and prevent mold in Smiths, KY.

In the Walls

Many organic materials are used to build and seal your home, comprising your walls and ceilings. That means that there is a lot of surface area that mold can target. If any of the materials are exposed to moisture and darkness, dry it out as soon as possible and keep an especially wary eye out for mold growth. If these materials are compromised, they often need to be replaced, as they cannot be restored. These materials include:

  • Drywall
  • Wood
  • Insulation
  • Wallpaper
  • Paint
  • Ceiling tiles

In the Air

It is normal for mold spores to be floating in the air all around you, both inside and outside. So, they have an easy time getting into you heating, cooling and ventilation systems. Sometimes moisture can accumulate in your HVAC or swamp cooler creating an ideal environment for those mold spores to thrive, so be sure to check your appliances often for mold damage. You may end up spreading more mold if you try to clean these systems up yourself- you should consider contacting a mold remediation specialist in a situation like this.

In the Bathroom

If mold and mildew like moisture, what room in your house do you think they will enjoy the most? If you guessed bathroom, you are correct. Between your sink, shower, tub and toilet your wash room is a veritable wellspring of potential leaks, drips and water accumulation. Luckily, tile and porcelain are easier to clean than other surfaces, so you may be able to take care of mildew growth yourself if you catch it early enough.
Now that you know how mold works, you can practice targeted vigilance. Mold damage won't stand a chance in your household. Remember, if you can manage your water, you can manage mold!