Insurance and Broken Pipes – What Does Your Policy Cover?
When pipes rupture and a flood of standing water results, the insurance coverage will probably not pay for the repair the pipe
Are You Covered?
There are many different types of insurance policies written every day in Newtown, PA, from the all-perils coverage to the comprehensive package. No matter what type of insurance you purchase, if you make sure you have a complete bundle, the flood damage from a broken pipe will generally be covered. Here are three circumstances in more detail.
1. Resulting Damage
Depending on the type of policy purchased, the actual pipe repair may not be covered. However, the insurer almost always covers the resulting water damage from the gushing liquid that overflows in your home. This is also true for water damage that occurs outside due to a broken or ruptured line. Damage resulting from the incident is not considered primary, but rather the resulting damage.
2. Ruptured Pipes
When pipes rupture and a flood of standing water results, the insurance coverage will probably not pay for the repair of the pipe or the necessary tear-out to get to the problem. This is because most insurance companies consider the plumbing pipes to be a part of the normal maintenance required by the homeowner. Consider calling in a water restoration company to fix the broken pipe and document the problem to help you fight for your claim.
3. Negligent Inattention
When a pipe bursts, you may feel as if you are barraged by a million questions from the insurance adjustor. That is because if the insurance company can find you were negligent or inattentive to your home’s problems, the claim will become null and void. However, if the accident was not avoidable, but was sudden and unexpected, the claim may be considered valid.
You have a right to make an insurance claim for any watery flood that results from a ruptured pipe inside or outside your home. The way you report and document the claim may make a difference in how the paperwork is processed. For that reason, use these three circumstances to help you define your water damage when you make a claim.
6 Common Places To Spot Mold
Mold growing on this door due to too much humidity
Where To Find Mold?
Mold can proliferate in any location with adequate moisture and food sources. Here are six of the most common places to find mold damage.
1. Air Conditioning Units
Mold may be present in the coils, drain pan or ductwork of an HVAC system. These systems can also spread spores throughout a structure. Arrange for a unit that has not been used for a long time to be professionally inspected and cleaned.
2. Attics or Basements
The areas that the inhabitants of a home frequent the least are some of the most common places to find mold. Fix leaks and mitigate water damage in a timely manner. Basements tend to be moist and often contain washing machines or water heaters. If this is the case, consider running a dehumidifier.
3. Behind Walls
Burst or leaky pipes can introduce water into wall cavities. Mold flourishes on building materials containing cellulose, such as drywall and wood, and in undisturbed areas. Hire an expert to check for hidden mold damage.
4. Beneath Laminate Floors
Concrete subflooring or a cracked foundation may support mold. Laminate flooring can increase the risk, as this material may not breathe enough to discourage mold growth.
5. Refrigerator Drip Pans
Moisture and spilled food create an ideal environment for mold. Clean out the condensation drip pan underneath a refrigerator at least once a year.
6. Under Sinks
Homeowners may forget to clean under sinks, making these areas some of the most likely locations for mold or mildew growth. Regularly cleaning the area under a sink can prevent fungi from starting to grow in a bathroom or kitchen.
If you suspect that mold is growing in a residence in Newtown, PA, check for any visible signs or musty odors. Do not attempt to find hidden mold. Rely on the expertise of mold damage remediation professionals to identify mold species and recommend cleanup methods.
3 Criteria for Becoming a Preferred Vendor
SERVPRO is certified with the IICRC for water, fire, and mold damage.
3 Criteria For Becoming A Preferred Vendor
When your home in Newtown, PA is damaged, your insurance agent is going to be one of the first people you call, and a qualified repair company will likely be the next. To ensure that your claim is processed as quickly as possible, it is a good idea to work with one of your insurance company’s preferred vendors. There are several criteria that claims adjusters use to evaluate mitigation companies.
1. Impeccable Record-Keeping
Your adjuster may assess the damage in your home, but when you file the claim, it is important to have an assessment from certified remediation experts. The Claims Information Center at SERVPRO documents everything your insurance company needs to know, including:
- Cause of damage
- Extent of damage
- Estimated repair cost
- Response time
These details are documented electronically and made available for fast release to those who need them. This helps your insurance agent expedite the processing of your claim.
2. IICRC Certification
Your insurance company has a vested interest in ensuring that the restoration to your home is done correctly the first time. Shoddy work can result in more claims filed in the future to repair secondary damage. A vendor that is IICRC certified has the training and experience necessary to provide quality service. Certification indicates to the insurance company that the vendor’s work can be trusted.
3. Referral Guidelines
A mitigation company’s reputation depends on the work of its franchises. In order to receive referrals from the company, a SERVPRO franchise must meet more than 20 guidelines. A company that holds each branch that bears its name to the same high standard is more likely to be an attractive candidate for a vendor program with your insurance company.
Your insurance agent can recommend a mitigation company in your area that is likely to provide you the best service at a reasonable cost. Hiring a preferred vendor can save you time and money in the long run.
5 Tips for Maintaining Your Roof
Gutter cleaning in Yardley, PA, home.
How To Maintain Your Roof?
If you own a business in Yardley,PA, you may be worried about roof damage to your commercial property. Fortunately, there are a number of things you can do to help keep the roof of your business in working order.
1. Keeping Gutters Clean
One important step for roof maintenance is to keep your gutters clean. This can help prevent blockages that can lead to flooding and pooling water on your roof. It's best to check your gutters after storms to ensure that no debris has been washed into them.
2. Monitor the Roof’s Condition
It's also important to monitor the roof's condition on a regular basis. Look for any wind damage, loose shingles or cracked tiles. These are all things that should be taken care of as quickly as possible.
3. Regular Inspections
A regular inspection by a professional can help prevent roof damage in the long-term. These professionals can look over your roof for any signs of damage you may have missed. If found, repairs can be conducted to get the roof back into working order.
4. Trim Back Trees
Another step you can take for roof maintenance is to trim back any tree branches that could fall onto the roof. This can help prevent damage in the event a storm causes brakes in the tree limbs.
5. Conducting Repairs Quickly
In the event you do find damages or areas needing repair on your businesses roof, then a professional restoration team may be able to help. In the event of extreme damage, they may even be able to perform a full roof rebuild.
Following these steps can help reduce the possibility of roof damage to your business. Remember to keep your gutters clean to prevent flooding, inspect for cracks in shingles or roof tiles, trim back any tree branches that could fall into your business, and conduct any repairs needed as quickly as possible. If you do find the roof has storm damage, then a professional may be able to help.
How Do I Get Rid of Cigarette Smoke in My Home?
Smoke can penetrate furniture, walls and carpets
No matter how they got there, smoke smells in your home are rarely welcome. Whether you’re the victim of a visitor who smoked in your Yardley,PA , home or whether you’ve only recently quit, you’ll be glad to know there are plenty of ways to get the smell out. Here are three simple tips for post-smoke home deodorization.
Cause of the Smell
Smoke in your environment isn’t comprised of just one material. In fact, environmental smoke is a mixture of more than 4,000 compounds. Either via direct contact or through a building’s HVAC system, smoke can penetrate things like:
No matter how you got smoke in your home, wherever it is, here are some of the easiest home deodorization tips.
Remove and Rinse
Getting rid of smoky materials can make a huge difference in getting rid of cigarette smoke odors. Remove as many fabrics and porous materials possible from the smoky room. Next, toss any pillows, curtains, blankets, etc. into a cold washing machine cycle with two cups of vinegar added.
Try Baking Soda
When it comes to carpets and furniture, baking soda is your best option. This simple home ingredient is known for absorbing smells, including smoke aromas. Sprinkle lots on soft surfaces like mattresses and upholstery. Let it sit at least 15 minutes then vacuum.
Sometimes the simplest solutions are just not enough for the smoke aroma you face. That’s when it’s time to bust out the big guns and get an ozone machine. Ozone is responsible for the smell we notice after a spring rain. Ozone machines work by releasing modules of ozone that burst to release that spring-like aroma.
A smoky home can be a pain to those with allergies, and a big problem when it’s time to sell. Try these tips or talk with our experts in ozone gas treatment, to learn what your home deodorization options are.
3 Techniques for Mastering Mold Prevention in Your Bathroom
Always make sure to check your bathroom for buildup of moisture.
3 Techniques for Mastering Mold Prevention in Your Bathroom
Noticing a buildup of moisture in one or more of your household bathrooms should be a no-brainer, given that these are high-traffic areas in your Newtown, PA home. Unfortunately, this humidity problem means an accumulation that can lead to bathroom mildew or mold growth over time. If you want to create an environment that’s sustainably mildew and mold-free, follow these three techniques for mastering prevention and keeping any growth at bay.
1. Ensure that a fan or vent is located in the room. One of the easiest ways to prevent bathroom mildew is installing a ventilation system or simply storing a handheld fan in the bathroom. Keeping it running during your shower or bath, and not turning it off for 15-20 minutes after you bathe, can eliminate the chances of moisture from lingering or seeping into the walls.
2. Utilize a squeegee on your shower walls after bathing. It might seem odd for some to leave a squeegee in or nearby the shower, but its effectiveness in removing moisture from the shower tiles or glass panels makes it a very handy preventative tool. Simply taking an extra minute or two to wipe the walls dry after showering should give you a noticeable upgrade in moisture maintenance.
3. Wash your rugs and towels on a regular basis. While many bathroom accessories are designed to wick away moisture, towels and rugs are still not immune to soaking up all of the water around them, as it is their job to do so. Therefore, washing them on a consistent basis is necessary to prevent mildew or mold from settling into their fibers and creating the perfect breeding grounds for growth.
When you’re looking to sustain a clean, mold-free Newtown, PA home, following these easy and effective techniques for preventing bathroom mildew is a great place to start. Should you come across any mildew or mold that’s not a simple wipe-away cleaning job, it’s important to hire experienced mold remediation specialists who can handle the problem in a suitable manner.
How To Respond to Sewer Backups
Wastewater from a toilet in Yardley, PA
When the sewer backs up, the resulting messes are some of the worst to clean up. In addition to unpleasant substances in the water, the situation is unsanitary and can lead to serious health hazards for you and your family. There are several crucial parts of a sewer cleanup job in Yardley,PA.
- Damage control
- Contact Professionals
Wastewater from a sewer backup or flooded toilet can carry many bacterial contaminants and pathogen hazards. In addition to the health risks posed by those contaminants, electrical wires and fixtures could lead to risk of electrocution. Keep children and animals away from the affected area and stay out of the area yourself as much as possible.
Prevent Further Damage
As quickly as possible, turn off any appliances causing water to flow into drains, including dishwashers, clothes washers, sinks, and hoses. Don't let anyone flush the toilets. If it's safe to do so, you may remove furnishings and possessions from the area before they are affected by the contaminated water. Belongings that have already been exposed should not be moved to clean areas of the home. Do what you can to prevent sewage from reaching into other rooms of your house.
Open and close doors and windows to ventilate the affected area outside. For example, open windows to allow fresh air in and sewage gasses out. Keep doors to other rooms closed to prevent gasses and smells from spreading throughout your home.
Flooding and sewer cleanup efforts generally require the input of many professionals. You'll need to call your insurance company and contact the sewer department in Yardley,PA. You may need to talk to officials from your municipal authority or health department. The help of water damage restoration professionals could be very valuable as well.
No one wants to handle sewer cleanup tasks but breaking the work into manageable tasks and involving the help of a professionals are great ways to reduce your stress. Remember prompt action is key to avoiding additional trouble.
Property Security After a Fire
Secure data in your Newtown, PA company
The list of things to handle after a fire can be long and overwhelming. But one of the things that should be near the top is security. As devastating as a business fire can be, suffering additional damage can make things much worse. Read on to learn steps you can take - from boarding windows to getting a security fence - to keep your Newtown,PA, property safe after a fire.
Data is easily one of the most valuable resources any business has. Examples include:
- Credit card information
- Medical records
- Tax documents
If your business has this or other information stored in computers or files, and there’s no longer a way to lock up your property, it’s critical that you remove these materials. Identify a safe place, such as a secure storage unit, and move sensitive data there promptly.
Protect Against the Elements
Fire can destroy many things in your business, but the wrath of the weather can be just as damaging. Just one heavy rain penetrating a compromised roof or door can multiply damage costs. Invest in a heavy duty tarp for damaged roofs. Boarding up broken windows and doors will also help keep water out as well as animals.
Secure Against Thieves
Vandals know that a burned out property can be a gold mine. Don’t rely on a security system to protect your business - those can be damaged by the fire! Instead, in addition to securing windows and doors, invest in a security fence. Security fencing creates a barrier that makes it harder and longer to break into your building. Such fencing also helps in the insurance process by preventing further damage that your provider may not cover.
Dealing with a fire is challenging enough. Don’t multiply your problems by becoming a victim of weather or looters. Connect with a fire clean up firm to discuss a security fence or other methods to keep your business safe.
How To Set Up an Emergency Repair Profile
Storm damage in this Newtown business.
One of the largest risks to businesses, especially smaller and locally-owned companies, is an emergency event. A disaster such as a flood can result in costly downtime, so consider creating an emergency profile with a reputable water damage restoration service.
1. Risks and Advantages
Around half of all businesses are forced to close down after a disaster, and some portion of these will never reopen. It is always in the best interest of owners and employees to have a continuity plan in case of a flood or other scenario that will automatically begin the assessment and restoration process. Having a profile with a specialist such as SERVPRO grants an immediate assessment of the affected place of business at no extra cost.
2. Setup and Convenience
While conventional paper methods are available, the fastest and easiest way to create an emergency profile is with a program such as an ERP app. These are available for home computers and mobile devices and allow you to input the relevant information for all your properties and assets. If any damage occurs, the same application will allow the business owner to immediately establish a line of communication with the providing company and begin the restoration process.
3. Other Benefits
Your emergency plan and related software can also allow you to handle other specific needs in a flood situation in Newtown, PA, such as noting the location of shut-off valves or electrical infrastructure. The plan can also provide an index of important contact information in case other forms of maintenance or repair are necessary. By connecting you to a nearby franchise using an emergency plan, restoration work can begin immediately, reducing expenses and minimizing potential damage.
Don’t allow a weather event or infrastructure mishap paralyze your place of business and put your company at financial risk. Develop an emergency profile and continuity plan with a qualified service provider.
How To React If You Smell Gas Inside Your Home
Avoid smoking if you have gas odor in your Yardley,PA home
Many residents of Yardley,PA, may utilize natural gas to heat their homes or power appliances. While this fuel may be an efficient energy source, a leaking line or pipe can be extremely hazardous. Because of this, it’s important for every homeowner to take prompt action if they smell gas and suspect a leak. Otherwise, a potentially devastating gas fire may erupt.
Take Necessary Precautions
A gas explosion can occur suddenly. If you notice an unpleasant rotten egg smell inside or near your house, you should take extreme caution. To help prevent an inferno, it’s imperative that you avoid the following potentially dangerous activities:
- Smoking or igniting matches
- Turning lights on or off
- Utilizing electronic equipment or appliances
- Adjusting the thermostat
If you detect an unusual or offensive odor near your furnace, stove or water heater, check the unit’s pilot light and restart it if necessary. If the light is on, there may be a faulty component requiring maintenance. To avoid accidently igniting a gas fire, you should be cautious and refrain from using the device until it’s properly inspected and repaired.
Call for Assistance
If you suspect there is a leak inside your home, you should evacuate the premises and immediately call either 911 or your utility provider. To help reduce the risk of a gas explosion, it’s best to avoid using any phone near the suspected seepage. For safety reasons, you should also extinguish any nearby open fires and keep everyone away until authorities arrive.
Never Ignore the Situation
A gas fire can spread quickly and cause significant damage, requiring extensive cleanup and restoration. Because of this, a lingering natural gas odor should never be ignored. To help safeguard your property and personal safety, it’s imperative that you promptly report any suspected leaks and refrain from commencing specified activities that may inadvertently cause an explosion.