When Is a Basement Flood Covered by Insurance?
A homeowner's insurance policy should cover a basement flood
When a storm arrives in East Greenwich, RI, you may be worried that a basement flood will occur in your home. A burst pipe or malfunctioning washing machine can cause an overflow of water in the basement, as well.
Repairing your basement after a major flood can be expensive. Your insurance policy may help you pay for emergency restoration services. However, it is important to know what your homeowner's policy will and will not cover.
What Is Not Covered
Some water damage is not covered by a homeowner's insurance policy. Common examples include floods caused by a:
- Weather event
- Sewage backup
- Poor property maintenance
For instance, if a rainstorm causes a flooded basement in your home, your homeowner's policy does not apply. However, you can purchase flood insurance coverage through the National Flood
If an insurance adjuster determines that your failure to fix a recurring leak led to the basement flood, the company likely won't pay for your home repairs. Even if the flood wasn’t your fault, you will have to use your own money to replace the pipe or appliance that caused the water damage.
What Is Covered
If your flood resulted from an accidental and unexpected event inside your home, it should be covered under your insurance policy. This policy usually includes personal property and dwelling coverage. Personal property coverage pays for the cost of repairing or replacing damaged items. Dwelling coverage, meanwhile, applies to the actual structure of your home, such as the floors and walls.
You will likely have to pay a deductible before the insurance provider takes over the remaining costs. Your policy may also have a limit on the payout you receive.
A homeowner's insurance policy should cover a basement flood caused by a sudden and unforeseeable event. Meanwhile, separate insurance coverage can pay for damage caused by a storm or sewage backup. If poor maintenance or negligence led to the flood, however, the insurance provider could deny your claim.
3 Signs That You Have a Water Leak
If you notice a musty smell in your building, you probably have mold growing
3 Signs That You Have a Water Leak
It's hard to pin down every single factor that affects the variable expenses in your commercial property in Warwick, RI. It's normal for utility bills to fluctuate with usage. When you notice a big change, however, it is indicative of a specific problem. If you see any of these three signs, you probably have a water leak.
1. Large Utility Bill
A huge spike in your water bill means you are suddenly using a lot more water than you have before. A pipe break or leaking faucet can go undetected for weeks, especially if there are no visible signs. Even a small leak that hasn't done noticeable damage to walls, floors or ceiling tiles can cost a lot of money. The increase in your bill may be the first sign that anything is wrong.
2. Continually Running Meter
There are many reasons to keep an eye on your water meter. One of those reasons is that it can tell you if there is an unusual amount of water being used in your building. A meter that won't stop running even when there's no one in the building is a clear symptom of a water leak.
3. Musty Odor
A long-term leak leads to water damage. If left unchecked, it can also cause secondary damage such as mold growth. If you notice a musty smell in your building, you probably have mold growing somewhere, indicating the presence of water where it's not supposed to be. Water mitigation specialists can locate the problem and propose the best solution to deal with all the damage that the leak is causing.
A water leak isn't always obvious as soon as it happens. Sometimes, the first sign that you have a problem is an exorbitant water bill. If you notice this or any other sign of a leak, get it fixed as soon as possible to avoid other problems.
What Happens During Severe Disaster Cleanup Efforts
Storm flood water damage in East Natick, RI
Many businesses will face environmental challenges from time to time. Building damage can hinder work productivity and may include costly repairs. When large-scale problems cause catastrophic loss, you need a company to help you rebuild quickly and effectively. Fortunately, there are experienced companies in East Natick, RI, equipped to handle even the most significant challenges. It's important to be prepared for these types of events so you'll know how to act if you find yourself in this position.
Characteristics of Professional Cleanup Companies
For emergencies of all shapes and sizes, expert restoration teams have what it takes to get you and your business back in one piece. You can rely on the pros to provide the following in the wake of a catastrophic loss:
- Timely response
- Good communication
- Effective tools and methods
- Complete and thorough care
Issues such as a pipe burst or appliance leak can cause flooding in your office. When the water damage occurs due to widespread problems such as severe storms or a sewage backup, you need the best teams in the area to clean up and rebuild your workplace. Cleanup companies will deploy local responders to your location. This will help ensure that enough resources are on hand to sufficiently battle the emergency. Crews will join forces to remove water from your building, tear out damaged materials, dry and sanitize your building, and restore walls, flooring and the roof.
Severe weather can bring rain, hail and high winds to your building. Storm damage can ruin the structure and create an unsafe environment for you and your employees. Multiple cleanup technicians will respond to your office. This will speed up the cleanup effort and allow you to continue your business operations with as few interruptions as possible.
Catastrophic loss can be devastating to you and your company. Disaster recovery teams can ease your burden and give you the service you need.
What Protective Equipment Do You Need When Removing Mold?
An N-95 respirator provides the best protection if you find mold in your building
Below is a List of The Personal Equipment You Will Need
If there is a small amount of mold damage to your Frenchtown, RI, building, you may be able to remove the fungus on your own. However, you must make sure to protect yourself before beginning the mold cleanup process. Below is a list of the personal equipment you will need.
When you are dealing with mold, you can't just wear an ordinary face mask. Even a surgical mask is insufficient.
Instead, look for an air-purifying respirator. This is a specific type of mask that filters out small particles, including mold spores.
Air-purifying respirators are available in both reusable and disposable forms. They are also categorized based on their efficiency. Ideally, you want one that is rated N-95 or higher. This means that it filters out 95 percent of air particles.
Disposable Shoe and Hair Covers
To protect your feet and head during the black mold cleanup, be sure to purchase covers for both your shoes and your hair. You can find them fairly easily on Amazon or similar online marketplaces. Be sure to discard them any time you leave the infected area. Otherwise, the spores could spread, and mold growth could occur in the rest of the building.
Safety goggles will not just keep mold spores out of your eyes. They will also block other debris that could enter the air during the mold removal process. Goggles can also prevent harmful cleaning chemicals from entering your eyes.
Disposable Tyvek Suits
You can wear a Tyvek suit over your regular clothes and dispose of it when the job is complete. Any clothes that do get exposed to mold should be washed in hot water immediately.
By purchasing and wearing the above items, you can protect yourself from mold. However, large mold removal projects should not be tackled alone. To ensure the fungus doesn’t return, you should utilize mold remediation specialists.
What Are the 4 Stages of Fire Sprinkler Activation?
Active fire sprinkler in East Natick, RI
What Are the 4 Stages of Fire Sprinkler Activation?
Commercial property owners should be aware of how fire suppression systems with sprinklers function. Two common misconceptions are that sprinklers activate by sensing smoke and that the entire sprinkler system will activate as soon as a fire is detected anywhere in a structure in East Natick, RI. These four steps set forth the functions of a standard water-based fire sprinkler design.
Sprinkler Head Detects High Temperature
While some fire alarms and smoke detectors are activated by sensing the presence of smoke particles in the air, only elevated ambient air temperature can turn on sprinklers. A sprinkler head will activate upon detecting hot air in the range of 135 to 165 degrees Fahrenheit or higher.
Bulb Bursts and Valve Opens
The most common sprinkler head design features a glass bulb filled with a glycerin-based fluid. Exposure to high temperatures causes this liquid to expand and shatter the glass. Once this occurs, the fire sprinkler is activated.
Water Sprays From Sprinkler
An open valve or plug releases pressurized water from a pipe and the sprinkler mechanism on each head sprays this water in an arc. Most minor fires can be suppressed by a single sprinkler head. This may limit the amount of water damage that results from fire suppression.
Additional Sprinkler Heads Activate
Larger fires can elevate temperatures throughout a structure. As hot air reaches more sprinkler heads, each head will individually undergo the first three stages of activation. A bigger blaze should activate more sprinkler heads.
A more accurate awareness of fire sprinkler function can help property owners anticipate the extent of fire and water damage after a blaze at a commercial building in East Natick, RI. The combination of these two types of damage calls for timely fire sprinkler cleanup, as soot and water must be removed before the area is cleaned and disinfected so that fire damage can be fully restored.
Mold 101: Understanding the Basics
Our specialized filtration equipment allows us to capture microscopic mold spores out of the air.
Mold 101: Understanding the Basics
What is mold? The answer may seem obvious - it’s the black, slimy stuff that creates problems in our bathrooms, beneath our sinks and anywhere else there’s a moisture problem. But do we really know what this building pest is? Understanding what black mold is, is one of the first steps to forming a strategy to get rid of it. Learn more about what mold is, how it works and how it affects your Hoxie, RI, business.
Understanding Mold’s Makeup
Mold is a type of fungus that comes in a wide range of colors, from black to white to pink, gray and more. It may look like a solid mass of gunk, but it’s made of filaments, which are thread-like structures. Fungi produce via little seed-like spores that are lightweight and easily spread through the air. Mold thrives where you have a moisture problem, so the spores easily replicate in:
and just about anywhere that never dries out. In fact, mold spores are all around us, and we even inhale them. The problems only start when mold takes root in a building.
Mold can quickly cause stains to upholstery and porous materials, as well as musty odors. Some molds, black mold in particular, may trigger allergies. And when mold truly begins to thrive in wood, drywall and similar surfaces, it can cause rot.
Getting Rid of Mold
Mold can be notoriously difficult to get rid of, in part, because there’s more to it than getting rid of visible mold. Mold remediation companies specialize in identifying the source of moisture feeding the mold. They remove visible mold and also take steps to destroy the leftover roots and spores that can cause mold to return.
Black mold is all around us in the environment, but we don’t have to just live with its destruction. Educate yourself on different types of mold cleanup and contact a mold remediation specialist to take care of any mold problem you may be experiencing.
How To Clean Electronics Damaged From a Fire
Computer damaged by an electrical fire
How To Clean Electronics Damaged From a Fire
A fire in your place of business results in a long list of things to do. These tasks include contacting the insurance company, watching out for the future of the company and the large job of cleanup. Soot and smoke damage can be pervasive and the water used to combat the fire also leaves a mark. In an electrical fire the job of cleaning and restoring sensitive electrical components is a job best left to a professional fire remediation company. The following are among the most important things experts can do to safeguard critical equipment:
- Prevent further damage by using best practices
- Salvage items that might seem beyond recovery
- Go to work faster to get the business up and running again
Your computer system is likely the brain center of your business. A fire inspection and assessment by professionals gives you a good idea of where you stand right after an electrical fire. Smoke and water damage can harm appliances, computers and electrical systems in a variety of ways. Black film seeps into components and produces a coating that has a deleterious effect on expensive items. A magnetic charge caused by smoke increases the chance of equipment shorting out. Acidity from a fire shortens the lifespan of computers.
Cleanup consists of powering off all electrical equipment and calling in an expert from Kettle Corner, RI. The team will use sophisticated equipment and advanced training to remove the black film and other residue produced from the fire. Not all equipment can be salvaged, but with the right process you stand a better chance of saving computer files and other valuable information.
An electrical fire presents a big challenge to a business. By calling in a company that is Faster to any size disaster, you stand a better chance to save important equipment and to get the company back on its feet again.
An Explanation of Category 3 Water
When floods occur, and water rushes into your building, it will be in one of three categories
You never want to see water in your building in a place it doesn't belong. Flood water can do devastating damage to the flooring, walls and ceiling of your building. Your equipment and materials are also at risk. When flooding occurs, it's important to recognize what type of water is in the area. Some water can be hazardous or even fatal to your health.
When floods occur, and water rushes into your building, it will be in one of three categories. These are:
Category 1: Otherwise known as clean water from a broken supply line or overflowing sink or appliance.
Category 2: Sometimes called gray water; contains chemical or biological contaminants.
Category 3: Called black water; contains contaminants such as human waste or heavy metals.
Category 3 flood water often infiltrates buildings and other public areas due to a broken or backed up sewer line. An overflowing toilet can also introduce this type of water.
As if storm damage to your Warwick, RI, building isn't bad enough, when it is coupled with black water, there are significant health risks. Even touching this water can cause a person to become extremely uncomfortable and ill. Ingesting any of this water could cause death.
You should never get near category 3 water. If you know the flood is due to sewage issues, either by sight or by the way it smells, evacuate the building immediately. You should then contact city utility and maintenance crews. It's also important to get in touch with a professional flood cleanup team. This crew has the experience, expertise and equipment to safely remove the water. Once the team gets rid of the water, technicians will thoroughly sanitize the area to ensure it is safe to return to work.
Flood water comes in various forms. You hope it's never category 3, but if it is, make sure you call the professionals right away.
Tips to Avoid/Unclog Drains
Clogged drain in East Natick, RI
Tips to Avoid/Unclog Drains
Life gets busy in East Natick, RI. No matter how rushed for time you may feel, letting a few small things slide can lead to a clogged drain. That pesky problem is more than just an annoyance. Ongoing clogging may eventually result in a pipe break, which could mean needing the help of a water damage expert.
Keep Drains Clean
While old, rusty pipes and drains may be an ongoing issue for a stopped or backed-up drain, newer systems should run smoothly if they are being used correctly. To help avoid dealing with a clogged drain, keep the following tips in mind:
- Avoid food, grease and coffee grounds from going down the drain.
- Put leftover food in the trash or compost heap, not the garbage disposal.
- A mesh screen attachment can collect hair and soap scum from entering bathroom drains.
- Toilets are only made for waste and toilet paper.
Proper Use of a Snake
When a clog does happen, a plumber’s snake may be able to help you unclog the drain. This simple tool is a long cable with an auger-shaped end designed to break up clogs. Here are steps to properly use a snake:
Put on gloves.
Ensure the drain is open. This may require removing a cleanout plug, P-trap or overflow assembly.
Gently loosen the snake and begin inserting into the drain.
Once you meet resistance, it could be a pipe bend or whatever is obstructing proper draining. Move the tool’s handle clockwise to get past the obstruction.
Continue the process until resistant can be felt again or it feels like the clog has been loosened.
Remove the snake and let it naturally wind itself.
Repeating the snaking process one more time and then flush the drain.
If the process doesn’t seem to be working, it may be time to call in a professional to verify that the drain is just clogged instead of a bigger issue, such as tree roots or broken pipe.
Creating a Fire Escape Plan for Your Family
Create a plan with clear paths and multiple exits
Creating a Fire Escape Plan
Fires are dangerous and can be deadly. Therefore, it is crucial to have a fire escape plan
in place in the event of such a disaster. Plans should not be overly complicated or involve too many steps. In fact, to ensure the safety of your family plans should include three things.
- Clear and direct path
- Multiple exit points
Clear and Direct Path
To ensure the effectiveness of your emergency escape plan, you need to design clear pathways to escape. Do not place cumbersome furnishings over route lines. For example, if an escape path leads through the living room, between couches and chairs to the front door, then do not put a coffee or sofa table in the middle of the area. If your path leads to a first story window, then do not put a dresser in front of it. Keeping these pathways clear is crucial to the quick evacuation of your family during a confusing and possibly panic-inducing event. Don't make evacuation more challenging than it has to be.
Multiple Exit Points
Another tip for a fire escape plan is to have multiple exit points from each location. For example, when designing the escape plan from a bedroom, you could one exit option being the window and another being the doorway. Make clear and decisive decisions about these exit points so you can equip each space with the right tools. For example, if bedrooms are on the second floor, and the windows are escape option one, then make sure that each room has an escape ladder anchored to the wall.
It is not enough to plan. You must also practice. Repetition increases both cognitive and physical memory, which is often needed in disaster situations.
When designing an escape plan, you can reach out to restoration and remediation services in Frenchtown, RI. These companies will often provide advice on fire prevention and protection.
A fire escape plan is crucial to the safety of your family. Create a plan with clear paths and multiple exits, and then practice it routinely to ensure safety and awareness.