Archive for the ‘Mold’ Category
The same adjuster has treated three of my customers with similar circumstances the same within the last year, and it hasn’t been to the customer’s advantage. One customer had a very high deductable and not very much damage so he didn’t challenge the insurance company. Another customers’ policy was very recent and some of the damage happened before the policy was in force. The other customer I thought was going to hold the insurance company accountable.
Each of these customers had homeowners insurance policies with the same insurance company, and their policies actually had coverage for mold. Each of these customers had water damage in their home from what should have been a covered water damage event. Mold was also discovered on some of the wet materials in each home. Each had insurance for water damage and mold, but this adjuster denied all three claims using the following rational: The adjuster said “because there is mold present the current leak started much earlier, went undetected and allowed mold to grow.” Policies have language that says if there is long term seepage that is undiscovered, the damage is not covered.
Let me tell you more about the case in question. The homeowners came home one day and found their entire basement flooded. The water was from a leaky pipe in a wall. There was also some evidence (mold) that suggested that the leak may have started as a very small leak some time before. If this leak had been going on for awhile, it would have been very small because the homeowners never noticed any dampness or puddles on the floor in the area. We also found mold in the bottom of some other walls that were not near the leak. This mold could not have been from the current leak, the dampness could not have reached those walls undetected. So this suggests that some of the mold or maybe all of it was not related to the recent leak. And even if the leak started smaller earlier, there was clearly “an event” that took place, a sudden event that flooded their entire basement. This “event” should have been a “covered event” for insurance purposes. It was clearly an event and not long term seepage. This is where the adjuster really tried to stretch things. He said “because it is from the ‘same source’ as the alleged seepage the damage is not covered”. So to summarize: Even though there is little or no evidence that there was any long term seepage, the water damage from the pipe leak which should have been a covered event is not going to be covered because there is mold present, which they also should have coverage for.
I have been looking forward to going to small claims court in support of this customer as they sued their insurance company. We have coached this customer on what they needed to do. Only they can sue their insurance company, we cannot do it for them. We can coach them, advise them, show up and testify, and be an expert witness, but we cannot sue their insurance company for them. We have been waiting for a few months for this customer to get the paperwork filed with the court. They have procrastinated and just haven’t gotten it done. Just recently they took out a lone and paid our bill in full. I hope they still follow through and hold their insurance company accountable, but I fear that they may not which would allow this adjuster and his insurance company to get away with fraud once again.
We have seen nearly identical circumstances many times and the damage has always been covered by insurance. The damage adjusting process is not consistent, and is sometimes not fair or ethical. The best way to protect yourself is to hire a restoration company that is loyal to you and able and willing to be an advocate on your behalf.
A couple of weeks ago I got to respond to a call alone. It was reported to be very small. When I got to the home I began moving the home owners personal items out of the way as she explained the situation to me. Thankfully she had began moving some of her stuff while I was in route to her house because their was a lot of stuff. as we got the area cleared I probed around to get to the outer edges of the affected areas. Turns out it was pretty small. So I began my extraction process and removal of the pad. To every ones surprise when I removed the first piece of base so I could aerate the affected wall and check to see if insulation got wet I found the mold. No one knew the sprinkler line right outside the window was slowly soaking into her exterior wall. Until a little more water than normal got through the one time. This was a time The Flood Co could not prevent the mold But we were able to act quickly to get it removed before it began to spread even further with time and eventually cause harm to the people in the house hold. With quick action demolition was minimal and restoration could began and end. Every ones lives back to normal every day stuff. In The pictures you will see mold will show evidence of itself on the front its usually always another story on the back where it will most likely be originating.
If your basement was recently flooded and if you are in need of a cleanup service, your best bet would be to hire a professional fire and water restoration contractor who will use their expertise, equipment and know how to clean out your basement in a safe and efficient manner.
Water damage cleanup is tricky as there is often more to it than just what meets the eye. Some homeowners are under the impression that merely pumping the water out is enough. They could not be more wrong about this.
The perils of water damage are listed below and it will hopefully allow you to realize the importance of hiring a fire and water restoration contractor to do a professional job for you.
- Pumping the water out – If your basement has a lot of water, it is very important that you pump out the water at a slow rate. Pumping out water at a very fast rate will result in reduced pressure inside the basement as the pressure outside the basement will increase. This can cause the basement walls to cave in which is definitely something that you want to avoid during the basement cleanup. A professional fire and water restoration contractor will know exactly how to tackle your flooding problem.
- Estimating the damage – Depending on how long the water has been present, it might be difficult to salvage everything after a water damage cleanup. A fire and water restoration contractor will easily be able to tell you if your floors, carpets or walls are salvageable or if they have to be torn down as they are beyond repair.
- Moisture damage – Not a lot of people know that moisture damage goes hand in hand with water damage. This will mean that a basement flood cleanup will also have to address moisture related problems that can affect areas of the house that are untouched by the water.
- Mold damage – When there is water and moisture, there will be mold. You want to avoid mold at all costs and it is best that you let a professional flood cleanup contractor to survey your house for potential mold problems that might have arisen out of your flooding problem.
- Equipment – Unless the flooding is minor, you will need quite powerful equipment that is commercial grade to carry out the basement flood cleanup. Renting such equipment or buying such equipment can be a very expensive process. A much better alternative would be to let a professional flooding cleanup company take care of the cleanup for you as they will already possess high grade dehumidifiers, pumps, water extraction units and other specialized equipment.
- Safety – If you are going to approach a basement flood cleanup on your own, you have to be aware of various problems such as electrocution, natural gas leaks and even watch out for other dangers such as snakes which can suddenly show up in a basement. If you are not sure about any of the above mentioned dangers, you will save yourself a lot of trouble by allowing a professional cleaning company to do the job for you.
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Today was fun. One of the things that helps make the job interesting, is the variety. I had two mold inspections this afternoon. The second one was a bit of a suprise. When I showed up there was a film crew. They were filming a reality Tv series about flipping houses; or buying houses fixing them up and reselling them. Alot of the properties are forclosures, and have problems that need fixing. Well some of the problems in todays home was some mold in the basement. They had me sign a release, put on a microphone and then we were ready to start our inspection. We went into the property and looked at the problem areas together. They asked lots of questions, which was a great way to keep the inspection interesting and informative, with cameras rolling of course.
Facing a problem caused by flooded water? Try not to solve the problem with a hair dryer as this will only add to the amount of damages. Call in a water damage restoration service that provides experienced professionals to clean up the property and minimize the damages.
If your home has been damaged by a flood, leakage of a pipe or overflowing tubs, you should take immediate steps to start the mitigation process. First of all, don’t try to clean the property yourselves after the flooding rather get help from the water damage restoration services. Such issues shouldn’t be taken lightly or ignored as these can cause serious damages to property as well as the health of the residents with the growth of the mold.
It is vital for water damage restoration to have the right tools and equipment, whether the disaster is too much or just a little. Different aspects of mitigation require different equipment that only water damage restoration services have. Such services are only a phone call away and you should call them up as soon as possible since flood water damages the home as well as the articles very quickly. To restore the buildings, these services have latest equipment such as wet- dry vacuum unit, wood floor drying tools, industrial driers, dehumidifiers, high powered drying fans, air scrubbers and some others.
When choosing a water damage restoration service, you should consider the services they provide. Many companies provide only the removal of water whereas others provide structural drying along with other services. The basic services offered are:
Assessment of the damaged property – After drying the whole area, the professionals assess the property and find the source of flood (in case of a pipe leakage or sewage breakout ) and fix the problem altogether.
Water extraction – The first thing the experts take on is the extraction of water from the damaged property. They use highly advanced tools to remove the water and dry the entire area thoroughly.
Content manipulation – It is the process in which experts analyze the contents of the home such as furniture, appliances, carpets, curtains and others. The articles that can be saved are referred to drying whereas the others are discarded.
Structural drying – After analyzing the contents of the home, the professional take effective measures to salvage the items that have been affected by the water.
Sanitizing of the property – If your home has been affected by the flood water, it becomes extremely essential to sanitize the property in order to decontaminate the place.
Odor removal – When the water remains in the building, it leaves a musty smell which makes living inside the house even after the mitigation hard. So, you should hire a service that deodorizes the property.
Mold remediation – Mold growth is something that needs to attended to immediately. Make sure your restoration service removes the harmful microorganisms from your home.
Insurance Claim – Some services also provide the insurance claim filing services. You should always file for an insurance compensation since the cost of clean up and restoration after a disaster can be very high.
Employing a service that has good experience and expert work force is crucial to the mitigation process. Only a professional will deal with the different aspects of required restoration and the remediation. The water damage clean up requires proper attention for limiting the damages to the minimal and making the home a safe place to live. So, call in the experts from the services to restore your resident after a damage.
When you need water damage cleanup the key is moisture control. Moisture control is important so you don’t get mold in your home. There are many things to think about when it comes to mold. If you had to perform water damage cleanup and you have mold in your home then you most likely didn’t get the home dry enough. When moisture still lingers in the home then mold will begin to grow. If you have mold then it needs to be cleaned up immediately and the moisture problem needs to be remedied.Water damage cleanup needs to happen within a day or two from the flooding. You should not put off the cleanup efforts because mold grows quickly.
The water damaged areas need to be cleaned up and completely dried. This may require a professional if you cannot get the areas dry. The areas cannot contain moisture as this is just a feeding ground for mold. If you have more than two feet of mold then you should have a professional perform the cleanup. This is because it is common for people to have severe allergic reactions to mold and you can also become very sick. You cannot just kill mold. The mold must be entirely removed. You also need to get to the source and cure what is causing the mold from growing. This might require a professional service. When you need water damage cleanup you need to be sure the job is done right. If you decide to clean the water damage yourself then you must be sure the structure is entirely dry and there is no moisture. Mold will grow if there is moisture in the structure anywhere in a home. This can be dangerous to all of the occupants of the home.
Flood cleanup repair and insurance companies get on their toes as calls start to swamp them about burst and frozen water pipes with the coming of the cold months of winter. This is not a minor issue localised to particular areas, but instead an ordeal faced head on by many property owners and businesses, as about a quarter of a million household and commercial properties across the nation have water damage due to frozen and burst pipes annually. To put water damage from frozen pipes in perception, the number of insurance claims arising from burst pipes is around 5 times greater than those from fire damage. Remember that homeowners’ insurance coverage usually cover water damages attributable to unexpected or sudden plumbing disasters, but not ones that are because of insufficient reasonable maintenance. As a result, homeowners are expected to adopt proper and diligent maintenance actions. Flood Cleanup can be very steep so it is advisable to get helpful advice.
Numerous homes and businesses in the Northern Utah cope with water damage attributable to frozen, burst pipes in the wintertime. As a pipe freezes after which it cracks or breaks, the resulting water damage can impact not only personal belongings but also the structural integrity of the property, causing the deterioration of walls, floors, foundations, basements and crawlspace. Mold is yet another concern of water damage, especially if not dealt with in due time. It is prudent for homeowners to keep track of the forecasts for upcoming extreme cold weather; time and money, both are taken into account while determining water damages costs.
What causes water damage and how could a water pipe burst? Water, which is liquid at room temperature, freezes and turns to ice when temperatures drop below zero. As liquid water becomes solid ice, it expands. During extreme cold temperatures, the frozen water in the pipes in our homes expands and cracks or breaks the pipe. In essence, the frozen water molecules don’t fit in the pipe space they are in as a result of their expansion. As temperatures rise and ice thaws and starts melting, water leaks out from the cracks in the pipes. When pipes burst, repairs become mandatory. Repairing burst pipes can be expensive. However, not repairing the pipes and allowing them to leak will eventually cause much greater water damage and will increase the cost of repairs dramatically because of the prospects for mold, structural damage and the potential impact to content water damage.
Are pipes in attics, cellars and crawlspace more apt to freeze? Any pipe in your Northern Utah home has a possibility of freezing and bursting, however some pipes have a higher possibility of breaking than the others. Pipes placed outdoors, such as the main pipe that carries water to your home, can easily burst and develop cracks. Exterior wall pipes as well as attic pipes, basement or crawlspace pipes and garage pipes tend to be more liable to freeze and burst. You must check your water supply system and insulate pipes to reduce the possibilities of water damages in the house.
Whenever frozen pipe burst, make sure you turn your main water supply off when a pipe freezes and bursts. You may also call up a plumber to do so; but, if leaking water has already caused damages, its advisable to go ahead and take services of a water damage refurbishment company in Northern Utah. Expert water damage repair professionals in Northern Utah are experienced with insurance billing and therefore are qualified to file a claim with your insurance company directly. Flood cleanup arising out from burst pipes are usually covered in household insurance policies.
Water Damage Repairs brought about by floods
Floods in Utah
Water damages are everywhere in your household. They may be caused by different factors but their effects are usually the same. They can be as big as property losses or as small as a water spot. But then again, these damages can be frustrating and tedious when they evolve into a bigger problem.
Floods are usually one of the causes of water damages. And the kinds of floods would entail the intensity of the damage that can be done. For instance, there are many types of floods that usually flood Utah: urban, flash and river flooding. And most of the floods in Utah are caused by snow melt and mountain runoff which can be considered disastrous.
When residing in a place like Utah, it is important to be aware of what you can do to be prepared. The first thing that you should prioritize is the strength of your own homes. Having a strong home would entail having a safer place to stay in times of these scary disasters. But if your house cannot really handle the strength of the catastrophe, it would be wise to evacuate and find a safer place.
There is worse condition in the home after result of the heavy flood. Flood water is the source of bacteria & mold growth in house & it is important you to start water damage repair procedure immediately to prevent damage to your home.
It is very important that you throw out the thing that are damaged by water; and ensure that make a list of all the damaged things for insurance. Getting rid of house hold & personal items can be a painful experience. It should be done to protect your health. If there is water damage to your walls & floors, you must repair the damage. It is best to call an expert to perform the cleanup & restore your home to a living condition once again.
There are a few tips to apply during a flood:
Never plug in electrics or try to turn your electricity off in standing water. Call a qualified technician.
Never try to do work without the proper knowledge as it can do more damage to the house.
Water damage is something that no one wants to happen in their home, but there may be times that it does occur. That is why it is vital for everyone to know the dos and don’ts for water damage cleanup.
Knowing the do’s and don’ts will help you know exactly what needs to be done to get it done right. It will also help you see why delaying in the cleanup can be a big mistake.
Let’s start with the dos for cleanup.
1. Consider the temperature outside and if it is above 60 degrees, then use a dehumidifier to help clean up the water.
2. Start the cleanup by mopping up as much water as you possibly can using a mop or a dry cloth, depending on how much water there is.
3. If water gets onto any of your wood furniture, slowly dry them instead of letting them sit in direct sunlight to dry. The sun can cause damage to the wood.
Slowly drying the wood without using any heat will help prevent the wood from warping and becoming deformed.
4. Have fans going to help speed up the drying and circulate the air.
5. Get rid of any rugs that has been too damaged by the water to be cleaned or repaired easily. If you can clean them, then be sure to take care of this right away.
Be sure you wash the rugs thoroughly using hot water and then get them really dry before placing them back. Only put them back after all of the water has been cleaned up.
6. Large furniture needs to be dried or cleaned thoroughly right away or you could end up with mold problems. This will make it unsafe for your family to breathe the air in your home.
If you don’t want to do the drying or cleaning yourself of your large furniture, then you can hire professionals to handle it for you.
Now you need to know the don’ts, which are below:
1. Don’t use an ordinary household vacuum to clean up water. You will need to have an industrial wet or dry vacuum to use instead to get the job done right.
2. Don’t ever use electrical appliances, even if you are wearing rubber boots while you are standing on wet carpet or floors.
3. Be sure to turn off the electric switch in your home before starting the cleanup. This will ensure your safety when you are doing cleanup in any room of the home that has water in it.
4. Don’t lift or try and replace carpet that is glued down. Lifting it incorrectly can cause the carpet to shrink and that is why it should be handled by a professional.
Now that you know the dos and don’ts for water damage cleanup, you can be sure the job is done right. You may want to hire water restoration experts to do it for you, if you don’t feel comfortable doing the cleanup yourself. Either way you decide to do it, just be sure that it is done immediately or other problems can occur that you don’t need or want.