How To File a Flood Damage Claim After the Disaster
Flood damage in Kimball Junction, UT
Three Things To Do To Make a Claim
If your home in Kimball Junction, UT, was flooded by a natural cause or disaster, it’s time to file a flood claim. This can help you get the funding you need to recover from the damage. However, filing an insurance claim can be confusing. Here are three things you can do to successfully make a claim.
1. Start the Process
The first thing you can do is notify your insurance agency of the flood. Do this as quickly as possible so that an adjuster can contact you within the next few days. You can discuss what action to take and what you should be doing on your end while you wait. Be sure to have the name of your insurance, the policy number, and your phone number ready.
2. Document Everything
Next, photograph the damage. It’s important to document everything that was damaged during the flood so that you have evidence of what losses you suffered. Take pictures and videos of your entire home. You can also make a list of damaged or lost items and use that in your flood claim. Don’t forget to place damaged items outside to prevent mold growth within the house.
3. Back Up Your Claim With a Proof of Loss
With the help of your adjuster, you can create a Proof of Loss to prove that you are claiming the correct amount of money. This contains specific details concerning the damage from the flood and must be filed within 60 days of the disaster. Once you and your insurance company agree on the amount, the claim payment should come.
Insurance can be beneficial when dealing with the water restoration process, and filing a flood claim doesn’t have to be complicated. By carefully and concisely compiling evidence and keeping in touch with your insurance company, you can file the claim and receive payment. Keep in contact with your insurance company to find out how you can best receive the help you need.
Business Interruption Coverage: Minimizing Loss of Income After a Disaster
Soot and debris after fire damage in a Deer Crest, UT commercial building
Business Interruption Coverage
After a disaster, business owners are likely concerned with income loss and business interruption. While typical commercial insurance policies cover costs associated with repairs to, and even replacement of, equipment and structures, coverage does not always extend to loss of income. Business owners wishing to cover income loss in the event of a disaster should consider an interruption insurance policy.
1. What is an interruption policy?
Business interruption coverage (also referred to as business income coverage) protects a business from the loss of profits or income due to damage, property loss or other covered peril. This income coverage is restricted to the restoration period, meaning that once full functionality is restored to the business, the coverage will cease.
2. What is covered?
As previously stated, interruption insurance covers income loss. These policies do not typically include the costs associated with equipment repairs or restoration to the property because your commercial policy should cover those expenses. These policies merely assess potential income loss based on historical data and help companies recoup this loss during the restoration period.
3. How long is the restoration period?
While storm and fire restoration periods vary in length depending on the severity of sustained damage, interruption policies typically cover 30 days. However, depending on the severity of property damage and loss, this period can be extended to nearly a full year (360 days) with the proper endorsement.
4. How can I prepare for potential interruption?
Coverage is beneficial, but the best way to ensure a quick recovery — and even reduced insurance costs — is to prepare for potential disasters. Emergency restoration services in the Deer Crest, UT, area offer guidance in emergency preparation. These companies will assess your property and help you develop a customized plan to ensure any interruption is resolved efficiently and quickly.
Business interruption insurance can reassure owners during the restoration process, potentially helping them sustain operations. However, to truly survive a disaster, a business also needs to plan ahead so that recovery is handled quickly, allowing the business to return to profit.
Important Smoke Alarm Replacement Tips
Keep your smoke alarm up to date in your Junction, UT home
With all the time you spend in your home in Junction, UT, you want to know that you will be prepared and promptly alerted if a fire occurs. With each smoke alarm in your home replaced as necessary, you can feel confident that they will alert you in case of a fire.
1. Frequently Replace Batteries
Thanks to technological advances, alarms do not need to be replaced as frequently as they did in the past. However, just because the alarms themselves need to be replaced only every 10 years or so, this does not mean you can go years without replacing their batteries. A smoke detector should have its batteries replaced once a year.
2. Test Your Alarm
Even when you replace the batteries of your smoke alarm as needed, dysfunctions can still occur. Checking every alarm in your home once a month can help ensure that each alarm is functioning as it should. With most alarms, you can do this by pressing a button labeled ‘test.’ When testing your alarm, be prepared for the loud, consistent noise it will emit. If you don’t hear this response, it may be an indicator that your batteries need to be replaced.
3. Listen for Beeping
A smoke detector or alarm that needs new batteries will often spontaneously make a short beeping or chirping noise. Even if you have replaced your batteries within the year, the series of chirps may indicate that another change is required. If the alarm continues beeping after the batteries have been replaced, it might be time for a new alarm.
Keeping every smoke alarm in your home up-to-date is an important way to protect your home, yourself and your loved ones. Although these measurements can alert you of a fire, destruction is not always preventable. If your home suffers from a fire, you may want to contact experts in fire damage restoration.
"Create a Water-Tight Building Envelope "
Clean your gutters oftenly in order to protect your building from rain damage
Maintaining a healthy building is much easier when you've created a watertight building envelope. This means that your commercial building is safe from rain damage and the black mold that could result from water seeping into the walls and frame of the building. In fact, one of the top causes of premature structural weakness is the presence of moisture. Fortunately, you can keep water out of the envelope, even during a significant storm.
Begin by Understanding the Envelope
What is a building envelope? This line of defense plays many roles, including
- Defending against rain, hail, snow, ice, and other sources of moisture
- Diverting water to appropriate drainage areas
- Providing resistance to the exchange of heat and cold
- Supporting critical interior equipment and systems
Protect the Envelope From Water Infiltration
Three things have to happen for water to get past the exterior walls. These include the presence of water, some type of pressure forcing the water inward, and openings in the wall, such as cracks around windows or gaps between doors and the walls. If you can eliminate any of these factors, you'll prevent a lot of potential rain damage.
Overcome Common Problems
Leakage usually happens when mistakes are made during installation or because of a lack of appropriate maintenance. Eventually, bricks may become porous, mortar joints may crack, coping caps may lose their seals, and tiny openings may appear around doors and windows. It is a big task to reduce these areas of risk, but it is necessary to prevent significant rain damage when storms occur.
Take Protective Steps
In addition to regular inspections and ongoing repairs, you can protect your building from rain damage by adding water barriers such as sealants, installing sloping gutters, and improving drainage and ventilation around the property. You can also add secondary systems, such as through-wall flashing and damp-proofing treatments. If you're not sure where to start, schedule a professional inspection with water damage experts in Park City, UT.
When Should You Use Drain Cleaners?
Water loss in a bathroom in Salt Lake City, UT
When you encounter a clogged drain at home in Salt Lake City, UT, you want to fix the problem as soon as possible. Though you may be tempted to immediately use a drain cleaner, it’s not always an appropriate fix for every problem.
With Newer, Stronger Pipes
Pipes that have been installed recently will be significantly stronger than older pipes, and therefore will be able to stand up to the cleaner’s chemicals. Older pipes are particularly susceptible to damage from chemical drainage cleaners. Using harsh cleaners with older pipes could create a more serious sewage issue, costing you additional time and money to clean. If you have plastic pipes in your home, do not use a chemical cleaner regardless of how new the pipes are, as the plastic will immediately erode upon contact with a chemical cleaner.
If You Have Appropriate Tools
It’s essential to only use drainage cleaners if you can do so safely. Just as the chemicals in drain cleaner can damage pipes, it can also be harmful if it makes direct contact with your skin. When using drainage cleaner, take precautions to ensure that your skin will not come in contact with the cleaner itself. If you do not have access to protective gloves and other safety equipment, it’s best not to use chemical cleaners.
Using harsh cleaners can create more issues if used when a drain is entirely blocked. If you are certain that your clogged drain is not entirely blocked, then you can use a cleaner to remove the blockage. However, a drain that is wholly blocked will cause the drainage cleaner to remain in the pipes, which can result in even the strongest of pipes becoming eroded and damaged.
Clogged drains can disrupt your day-to-day life in your home. If you encounter an issue with your drains that can’t be easily fixed, contact professionals in sewage cleaning who will ensure your drains are safely and quickly cleaned.
Out with the Old: Changing your Pipes
Broken pipe causing water loss in a Sugar House, UT home
From the 1970s to the 1990s, a specific sort of pipe was used in a lot of commercial plumbing. Polybutylene was thought to be the pipe of the future because it was inexpensive to make and easy to install. After a few years, however, those buildings started having plumbing problems. These pipes are not used in Sugar House, UT, today because they inevitably wear out, and they cause significant water damage when they do.
Here are some reasons these pipes must be replaced if they are part of your building's plumbing.
- Exposure to treated water makes it brittle. One of the reasons this particular piping does not work for plumbing is that the water itself destroys the pipe. The chlorine and antibacterial chemicals used to make drinking water safe make the polybutylene pipes brittle and prone to breakage. Over time, they cannot be fixed. They must be replaced.
- Disintegrating parts get stuck in water. Another startling effect of this type of piping is that as it disintegrates, it flakes off and leaches chemicals into the water supply. New plumbing made from safer materials is a necessary upgrade.
- It costs more to maintain than to replace. Replacing these pipes have a comparable cost to replacing the carpet in your house. The piping change isn't inexpensive, but neither are all the costs from having to hire water remediation experts to clean up every time you have water damage.
- It drives down the resale value of your building. Because this piping causes so many problems, it needs to be fixed before you put your property on the market. Most realtors won't even show a commercial property that still has old pipes in it. The pipes must be replaced before the building is likely to sell.
If your commercial building seems to have more water damage problems that it usually does, polybutylene pipes may be the culprit. Have the pipes replaced to avoid additional repair expenses.
Does This House Come With a Floaty: Understanding Flood Zones
Roof damage during a storm in Salt Lake City, UT
Many homeowners are not familiar with the idea of a flood zone, especially if they’ve never lived in a high-risk flooding area or an area prone to severe weather, and when searching in the Salt Lake City, UT area they may be shocked at the necessities of these zones. As a way of minimizing the shock, it helps to understand the zoning designations and some of the necessary requirements.
1. The Four Main Zone Types
There are four Main zone types, and if you have never heard of these zones, you likely live in a minimal flood hazard area. The four zone types are:
- Minimal Flood Hazard Areas: typically designated as Zone C or X, these areas are considered low risk.
- Moderate Hazard Flood Areas: typically designated as Zone B, these areas likely experience flooding but not frequently.
- Special Flood Hazard Areas: these are the areas with the highest risk of flooding, and they are typically designated as Zone V or A.
- D Zones: these are areas that FEMA has not given a designation to yet.
2. Zone Maps
Every flood zone is designated on maps readily available through the FEMA Map Service Center. FEMA created these maps to offer valuable insights for the creation of flood management plans as well as insurance coverage by compiling information from the statistical research of river flows, storm tides, rainfall, topographic surveys, and even hydraulic analysis.
3. Zones and Insurance Requirements
While many homeowners might be irked at the idea of paying for additional insurance coverage, it is necessary to keep in mind that in specific high-risk areas the likelihood of your home succumbing to a flood is significantly increased. Therefore, FEMA, the government, and insurance companies have your best interests in mind when they require this type of coverage in high-risk areas.
If the concept of a flood zone is new to you, it can be slightly intimidating, but the reality is that FEMA designates the zones to ensure that you and your property are protected. You can check FEMA’s website, your local municipality, or you can reach out to flood and restoration specialists in your area for more information.
3 Strategies for Cleaning Up Small Mold Patches in Your Home
Mold damage on a ceiling in a Park City, UT home
Getting rid of mold in your Park City, UT, home and preventing new growths can be a challenge. Moisture problems, high humidity and other circumstances can cause fungi to grow in almost any room. Smaller mold patches can be equally frustrating because if they are treated improperly, the spores can spread to other areas and grow anew. Fortunately, there are a few strategies you can use to clean up these spots before they can multiply.
1. Identify the Mold Type
If you find some house mold while cleaning, it may help to try and identify what type you are dealing with so you can use an effective strategy to destroy it. For example, if you are cleaning out your fridge and find leftovers with mold on them, it is likely a penicillium strain and can be spotted by its white or light green, fuzzy appearance. Throw the food away and then disinfect the container and the fridge shelf with an equal mix of distilled water and baking soda.
2. Avoid Using Bleach
Finding mold growth in your home may cause you to reach for the nearest bleach-based household cleaner, but this may do more harm than good. Bleach contains a good amount of water, which may only feed moisture-loving mold. Instead, battle those small patches of mold or mildew with baking soda or diluted white vinegar and dry the spot thoroughly to discourage further growth.
3. Call in a Professional
While cleaning up one small patch mold on your own is probably harmless, multiple patches may need the attention of a mold cleanup and remediation service. Splotches that grow near each other may indicate that the fungi is spreading, so having professionals come in to clean out the mold and the odor it causes may be the best choice for protecting your home.
House mold can be frustrating for you as a Park City, UT, homeowner. However, when you know how to clean up small patches before they spread, you can prevent a serious infestation later on.
How To Maintain Your Building's Fire System
Your commercial property in Jeremy Ranch, UT, should have a working fire sprinkler system. While no method of protection is a guarantee for safety if a fire breaks out, sprinkler systems have an excellent track record for helping to put the fire out more quickly and keeping everyone safe. They can only do this if they work properly, though, so regular inspection and maintenance is critical. Here are some tips for keeping your fire suppression system in good working order.
Keep to the Code
One of the most common causes of sprinkler malfunction is lack of adherence to fire codes. There are many examples of issues that can keep your system from working as well as it should:
- Boxes or furniture stacked above the fire line in the room, blocking sensors
- Painters' tape left on fire sprinkler after remodeling project
- Bags placed over sprinkler to keep it from detecting cigarette smoke
- Items hanging from sprinkler
Any of these actions or others like them can cause malfunction. The sprinkler may go off in the room even though there's no fire, or the it may fail to register a fire that does exist. Every room with a sprinkler should have a sign posted with guidelines for adhering to fire code and protecting the fire system.
Lock the Control Valves
A faulty sprinkler valve can wreak havoc on your building, causing it to flood so badly that you need water remediation specialists to perform the fire sprinkler cleanup. One way to avoid this problem is to lock all the control valves in the system, keeping them in the open position. A monthly visual inspection is a good idea, but it's also important to monitor the sprinklers through their communication with the system itself. Your fire panel should alert you if a sprinkler valve is closed.
While a yearly inspection from the fire marshal is required, it is not enough to keep your fire sprinkler system in good working order. You must also inspect and maintain your fire system throughout the year.
Common Causes and Remedies for Sewer Odor
Roof damage from storm in Sugar House, UT home
Having a sewer smell in your commercial building is unpleasant. While the fumes may not be harmful, they can certainly be an unwelcome distraction. There are several reasons you may be smelling sewer gas in your building in Sugar House, UT, and most of them have pretty simple remedies.
Causes of the Odor
Smelling sewer odor does not usually mean that you have raw sewage wreaking havoc somewhere in your building. The more likely cause is the failure of one of several apparatuses that function to direct the gas outside. There are three main causes of indoor sewer smell:
- Dry traps with no wastewater to prevent gases from coming back through the plumbing
- Blocked vents with a clog or backup that is preventing the gas from escaping through the normal channels
- Damaged drain lines that release sewage under the property instead of carrying it away
To get rid of the smell, you must first locate the problem. It may have an easy fix that you can do yourself, but it's important to call a plumber or sewer remediation services if you need to do so.
Solutions for the Odor
The first thing you should try to do is pour clean water down the drain from whence the smell comes. Dry traps from underutilized drains are the most common cause of sewer odors in buildings, and making sure that you use the drain frequently can help prevent the problem or help resolve it once it occurs. If that doesn't work, your drain may need to be cleaned. Disinfecting the drain takes care of any bacteria that may be causing the smell. If none of your efforts get rid of the smell, however, it is time to call in the professionals to assess a potentially larger problem.
Sewer smell can happen any time there is a backup or some other type of plumbing problem. If you can't get rid of the problem on your own, calling a plumber can help you get your building smelling fresh and clean again.