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Understanding Your Renters Policy

7/16/2019 (Permalink)

Fire Damage Understanding Your Renters Policy Renters insurance can come in handy if there is a fire in your apartment

You may expect a homeowners policy to cover a variety of issues if a house you own catches fire. What happens when you rent, though? If the fire was accidental, the landlord's insurance should cover the structure itself, but your renters insurance for your apartment in Kettle Corner,RI, may cover more than you think.

Personal Belongings

If the things you own get damaged during a fire, your coverage should pay for restoration or replacement of those items. A renters policy can replace a variety of belongings:

  • Furniture
  • Clothing
  • Electronics
  • Books

When you make a claim for your possessions, you want to make sure you get the replacement cost instead of the cash value of the lost items. This gives you the money you need to purchase new things rather than have to scrape together the difference between what your 5-year-old television was actually worth and what it would cost to get a replacement.

Temporary Relocation

When the place you are living is uninhabitable, your renters insurance may cover the expenses of finding a temporary place to live. It may take a few weeks for fire restoration specialists to completely repair the property so that you can move back in. In the meantime, your policy can save you the cost of having to come up with extra money for your family's lodging.

Injury to Others

Sometimes, your own neglect may be the cause of fire damage to the building where you live. In this instance, you may be liable for damages to the property or injuries that other sustain as a result of the fire. It's helpful in these situations if your renters policy includes some liability coverage so that you don't have to pay these expenses out of pocket.
Renters insurance can come in handy if there is a fire in your apartment. While most of the policy is likely focused on your personal belongings damaged by the fire, it may also cover other expenses.

3 Steps for Preventing Flood Damage

7/8/2019 (Permalink)

Storm Damage 3 Steps for Preventing Flood Damage Flood damage in Cowesett, RI area

Steps You Can Take to Prepare for Potential Storm Damage

The summer months often bring severe storms to the United States, leaving families across the nation struggling with homelessness or expensive home repairs. Even Cowesett, RI, isn't immune to the risk of flooding. When flood waters rise, the chief concerns of emergency personnel include

  • Limited access to clean water for drinking and washing
  • Wounds infected by contaminants in flood water
  • Downed electrical lines
  • Loss of communication and transportation

Fortunately, government agencies are pretty quick to resolve those concerns. You don't have to wait for flood damage to your home; there are steps you can take to prepare for potential storm damage and reduce the risk to your home.

One: Elevate Critical Systems

Before a flood has the chance to wreak havoc on your home, move utilities up as much as possible. For example, move your appliances and HVAC systems out of the basement. Position electrical panels, switches, wiring, and sockets as high as possible.

Two: Waterproof Your Basement

Contact a flood damage remediation professional for information about waterproofing the basement. Part of these efforts should include anchoring fuel tanks. Move heirlooms and family mementos to an upper floor. Consider adding a battery-operated backup system that can run your sump pump and look into the value of adding a water alarm to the basement.

Three: Complete Home Maintenance

You can avoid a lot of trouble by simply cleaning out the debris from the gutters and downspouts around your home. Storm damage, such as torn tree limbs, can add an extra element of danger to flood waters. It's also a good idea to consider landscaping changes that help your property absorb water faster and direct it away from the foundation of your home.

Every part of the country is vulnerable to flooding. It only takes one extreme storm to cause rivers to overflow or a single warm day to melt snow faster than the ground can absorb the runoff. Storm damage during the summer often brings several areas of risk. Use these three tips to protect your Cowesett, RI, home.

3 Ways To Prepare Your Business for a Fire

6/24/2019 (Permalink)

Fire Damage 3 Ways To Prepare Your Business for a Fire Prepare an evacuation plan

3 Ways To Prepare Your Business for a Fire

Fires can devastate businesses in Shawomet, RI, and though it's scary to think that your business could be affected by a fire, it's important to prepare for emergencies. Having a contingency plan in place can help to keep the people in your business safe and can help to protect your property.

1. Maintain Important Tools and Equipment

There are various tools and pieces of equipment that are often useful to have if a fire occurs, and it can be helpful to maintain these items. The fire alarms in your business should have the batteries replaced yearly, and the smoke detectors themselves should be replaced at least every 10 years. Keeping fire extinguishers in key locations, such as in kitchens or near electrical items, can also be helpful.

2. Back Up Essential Documents

For many businesses, it's important to have access to various documents after a fire occurs. Important documents, such as building permits or documentation of inspections, can be backed up on a cloud as part of your business's contingency plan. Providing these documents to your business's insurance provider and a fire damage restoration company can help to make the claims process as well as the restoration process easier.

3. Prepare an Evacuation Plan

If a fire does occur in your business in Shawomet, RI, it's often important to evacuate the building in a timely manner. Placing a visual guide that displays the escape plan around your building can be helpful to staff and visitors. It can also be useful to practice your escape plan routinely with your staff in order to answer any questions that your staff may have and to ensure that everyone knows what to do if a fire occurs.

Fires can occur with little warning, and it's important to prepare your business for disasters of all types. Though you may never need to use your contingency plan, having one in place can help you be more prepared if a fire affects your business.

5 Tips for Water Damage Restoration

6/17/2019 (Permalink)

Commercial 5 Tips for Water Damage Restoration Commercial water cleaning in Hoxie, RI

Five Steps to Get Your Company Back in Working Order

When your Hoxie, RI, business has to deal with water damage, it's important to get it cleaned up as quickly as possible. Here are five tips to help you get your company back in working order.

1. Contact a Professional

One of the first things you should do if your company experiences damage caused by water is to contact a professional restoration service like SERVPRO. These professionals have the training, tools and knowledge to deal with a number of flood damage related problems, and conduct any necessary repairs.

2. Thoroughly Dry the Area

The next step you will want to perform in the water cleanup is to thoroughly dry the area. This will help prevent any standing water from going stagnant, and keep it from soaking into areas where it can cause further damage.

3. Sanitize After Drying

Another step to perform after water damage is the sanitize any part of the property that has been affected. Doing so can help prevent any potential contaminants from settling into the building.

4. Inspect for Related Damage

The restoration team may also want to inspect for any related damages. This may mean possible sources of the flood damage such as broken pipes, as well as areas such as soaked carpeting or drywall, and damaged walls or flooring. These could lead to other issues if left unattended.

5. Check for Mold

The restoration team may also check for potential mold growth as spores like damp areas such as those commonly found after flooding has occurred. They cannot only locate potential growth spots, bur remove spores and help prevent further problems.
When dealing with water damage at your Hoxie, RI, business, the first thing you may want to do is contact a professional restoration service such as SERVPRO. These professionals can help you with every step of the process including drying the affected area, sanitation, and inspecting for any related damages. They may also check for potential mold growth. Once these steps are completed repairs can begin.

5 Steps To Take If a Pipe Breaks in Your Home

6/10/2019 (Permalink)

Water Damage 5 Steps To Take If a Pipe Breaks in Your Home Broken pipes can flood your home in Apponaug, RI

5 Steps To Take If a Pipe Breaks in Your Home

Dealing with bursting pipes in your Apponaug, RI, home is never a pleasant experience. There are, however, a few things that you can do to make the process go more smoothly. If you have experienced damage in your house, take the following steps.

1. Turn Off the Water Supply

Broken pipes can flood your home with a lot of water in a short amount of time. In order to minimize the damage, you should turn off the water supply to your house immediately until someone is able to fix the broken pipe.

2. Call Your Insurance Agent

Once you’ve stopped the water from flowing, you should contact your insurance agent to get started on the claims process. In most cases, bursting pipes will be covered by your homeowners insurance and they will pay for the necessary repairs.

3. Contact a Remediation Service

Because water damage worsens when it is allowed to sit, you should call an emergency restoration company to begin work as soon as possible. They will perform cleanup as well as the necessary repairs to both the source of the water and damaged areas and belongings.

4. Take Pictures

The restoration company may take pictures before beginning work, but you can take some of your own as well. Documenting the damage will help the claims process go more quickly.

5. Take Steps to Prevent Further Damage

In many cases, your insurance company will require you to take the necessary steps to keep water damage from becoming worse. If you fail to do this, some of the costs of repair may not be covered. To save both time and money during the restoration process, you should block off the area to keep water from spreading and move items to a safer location if possible.

Bursting pipes can cause quite a bit of damage, but following these steps can help you during this frustrating situation. Be sure to take action right away to prevent any bigger problems.

3 Steps You Can Take To Control a Mold Problem in Your Home

5/23/2019 (Permalink)

Mold Remediation 3 Steps You Can Take To Control a Mold Problem in Your Home Leaking roof caused damage to ceiling

3 Steps to Control Mold Growth in Your Home

Discovering an infestation of mold in your home in Hillsgrove, RI, can be an unsettling experience. If you stumble upon this issue, there may be an underlying water problem in your house that feeds mold growth. In order to stop the mold from spreading, you can work with a water damage restoration professional and ensure that the issue is properly taken care of. Here are three simple tips to help you before you make the call.

1. Identify the Source of Damage

A mold infestation that results from water difficulties can be taken care of once the source of damage has been examined. Water intrusion may be caused by a number of complications, including:

  • Leaky roofs
  • Plumbing problems
  • Storms
  • Flash floods

The effects of this excess water can spread throughout your home and eventually create a mold issue. In order to prevent the mold from continuing to grow, the first step is to figure out where the water damage is coming from.

2. Determine What Action To Take

Depending on what your particular situation calls for, you need to decide what kind of action you should take to address any damage. If you have water intrusion as a result of storms or floods, for example, make sure your windows and doors are properly sealed, and your roof drains effectively. Whatever the origin of the problem, taking the right steps can make mold prevention a reality.

3. Control Water and Leaking

Once you’ve sufficiently assessed the situation, it’s time to get your mold problem under control. Review the areas in your home where water invasion has encouraged mold growth and tackle the source of damage. By having an expert stop any leaks or facilitate drainage, you can contain the harm that has been caused by water seeping into your home.

Mold caused by water damage requires immediate attention. Be sure to consult a professional in order to take care of the problem appropriately.

Does a Renters Insurance Policy Cover Fire Damage

5/15/2019 (Permalink)

Fire Damage Does a Renters Insurance Policy Cover Fire Damage Fire damage in East Greenwich,RI

Does a Renters Insurance Policy Cover Fire Damage

While a fire is hard enough on a homeowner, it is especially difficult for a renter who doesn’t exactly own the property that they reside in. However, most renters will have renters insurance policies. Although, many people don’t understand whether they are covered for fire damage or not. Fortunately, most policies have what is called peril coverage, and this often results in renters being covered for fire losses. However, it is essential to understand what constitutes losses.

1. Personal Property and Loss of Use

Most policies will cover personal property and loss of use due to fire damage. Therefore, if you can prove the loss of your computer or other valuables, then you are likely covered. Additionally, if the fire forces you out of your apartment for an extended period of time, then your policy will likely provide some funds for alternative living arrangements.

2. Liability

There is an aspect of most renters insurance policies that will protect the holder from liability, meaning that if you accidentally caused the fire, you will not be held personally and financially responsible. Therefore, your policy will cover the damage rather than the expense coming out of your pocket.

3. Medical Expenses

Additionally, if others were hurt as a result of a fire that you accidentally started, your policy will likely cover their medical expenses up to a certain point. Your plan should also provide some protection for you in these circumstances.

4. Restoration

Beyond protecting you against liability and medical expenses, your policy will typically assist with some of the restoration expense. Contact a fire restoration specialist in the East Greenwich, RI, area or your insurer to discuss potential coverages.

A renters insurance policy is a useful tool, especially in situations where you were inadvertently at fault. However, these policies are overall protection against a wide array of perils that were either caused by you or the property owner. Having insurance ensures that you and your property are protect

Flood Insurance Is a Good Idea Even When It Is Optional

5/8/2019 (Permalink)

Storm Damage Flood Insurance Is a Good Idea Even When It Is Optional The Federal Emergency Management Agency (FEMA) offers flood insurance through its National Flood Insurance Program (NFIP)

Commercial Insurance Policies

Commercial insurance policies cover damage caused by water falling from the sky, flowing from plumbing or caused by fire suppression. Floodwater damage requires a separate flood insurance policy. This policy covers damage from:

  • Storm surge like that which accompanies hurricanes
  • Overflow from swollen river and streams
  • Runoff from heavy rains or snow melt
  • Blocked drains and sewers
  • Failed dams and levees

Sometimes Flood Insurance Is Mandatory

If water overflows riverbanks and sweeps your business away, commercial insurance won’t pay for the loss. The company might then have no choice but to file for bankruptcy. Bankruptcies cost businesses money. When those businesses are banks, the federal government gets involved.

Special rules apply to businesses in areas with a high risk of flooding. If they want a mortgage from a federally regulated or federally insured financial institution, they must have flood insurance. In the event of a flooding disaster, the government wants to make sure that the business can repay the debt.

Even when flood insurance is optional, it is still something worth considering. Your insurance agent can help you understand the real risks your business faces. If you want your business to survive a flood, flood insurance is a good investment.

Commercial Flood Insurance Is Available From FEMA

The Federal Emergency Management Agency (FEMA) offers flood insurance through its National Flood Insurance Program (NFIP). The flood policy only covers damage to the building and its contents.

NFIP insurance does not cover anything outside the building. The list of items not covered includes vehicles, outdoor equipment, landscaping, paving and septic systems. This policy also does not cover the costs associated with business interruption.

Cleanup After a Flood Can Be a Humbling Experience

A commercial insurance cleanup usually deals with water damage from clean-water sources. Floodwater is a bigger problem. It contains sewage and toxic chemicals. If you are facing flood or any other water damage cleanup in the Warwick, RI, area, know that water damage mitigation experts are close by. They are ready to take on your most difficult cleanup tasks.

4 Reasons Flood Cuts Are Important

4/23/2019 (Permalink)

Storm Damage 4 Reasons Flood Cuts Are Important A flood cut was needed in this Cowesett home after water damage

4 Reasons Flood Cuts Are Important

Enduring flooding can be a devastating experience for any homeowner in Cowesett, RI. Salvaging the remains of your home once waters recede can also be extremely daunting. To safeguard your residence from additional damage, promptly initiating the flood cleanup and restoration process is essential. This may include making flood cuts on damaged walls. While this practice may appear destructive, tearing out saturated drywall is often an important procedure that shouldn’t be ignored.

1. Eliminates Contaminated Objects

Floods can introduce unsanitary water and debris into your home, creating an unhealthy environment for you and your family. Completing a tear out on every affected wall helps eliminate potentially detrimental contamination.

2. Ensures Removal of Wet Materials

Because drywall is porous, water can easily seep through the structure and saturate underlying insulation. This may be problematic because wet building materials can easily become breeding grounds for mold. To alleviate this subsequent flooding concern, it’s essential to promptly remove all water-damaged items. Cutting the wall 12 to 18 inches above the highest water level ensures that all damp objects are efficiently removed.

3. Reduces Risk of Hidden Mold

Mold thrives in moist environments, often proliferating undetected in hidden zones. Failure to complete necessary flood cuts and remove saturated building materials can result in extensive growth. A large colony can compromise your home’s structural integrity, resulting in additional destruction.

4. Enables Moisture Verification

Eliminating excessive moisture is a crucial cleanup procedure. Removing wet drywall and insulation helps the affected area dry more efficiently. It also allows restoration experts to verify the absence of moisture throughout the water-damaged space before finalizing repairs, further reducing the risk of mold contamination.

Flooding can be an unexpected and extremely destructive event. Recognizing the importance of performing flood cuts and eliminating saturated building materials can help every homeowner commence cleanup operations quickly and efficiently, sparing their homes from mold proliferation and potentially costly remediation needs.

Tips for Preventing Water Damage During Construction

4/16/2019 (Permalink)

Water Damage Tips for Preventing Water Damage During Construction Something as simple as water pipe repair can delay a commercial building project in Shawomet, RI.

Tips for Preventing Water Damage During Construction

Water damage can be a threat to a building at any stage of its existence, and that includes during its construction. Something as simple as water pipe repair can delay a commercial building project in Shawomet, RI, indefinitely, depending on how much damage it causes. By following these tips, you can minimize the possibility of damages so that you can stay on schedule.

Have a Plan

The ability to foresee potential problems can be quite valuable. One broken pipe can result in several losses such as:

  • Unsalvageable materials
  • Labor to tear out and rebuild
  • Project delays

Designing a solid quality control plan helps you order the steps of your project so that you can minimize the risk of water damage throughout the construction process. Your plan should include contact information for local water damage restoration specialists so that any problems you do encounter can be fixed quickly.

Have a Standard

A plan is only as good as the tools used to execute it. It makes sense not to skimp on the quality of your materials. Even the best materials, however, can be at risk if you don't have the same high expectations for the work being done. If you do need water pipe repair, make sure to hire certified professionals. Likewise, all subcontractors should be vetted for experience and expertise.

Have a Team

You need a group of people who are specifically tasked with making sure your quality control standards are met. There's no such thing as too much testing. Every step of the construction process should include a series of checks to make sure that your site and building are not in danger of getting flooded, and your quality control team can make sure these checks are consistent.

Every commercial construction project needs a plan and a means to execute it. Plan ahead so that you don't need water pipe repair, but have the contact information for trusted technicians if you do.