Mold Coverage Under Your Home Insurance
Many situations can cause mold growth, but not every situation is likely to be covered by your homeowner's policy.
Mold Coverage Under Your Home Insurance
Many situations can cause fungus growth, but not every situation is likely to be covered by your homeowner's policy. Your insurance agent can help you determine if the work of mold remediation specialists for a specific incident is covered, but there are also some general guidelines that can help you devise a plan for taking care of the cost.
When Mold Damage Is Covered
The best determining factor in whether your insurance includes mold coverage is the nature of the situation in your home in Mount Hermon, NJ that led to it. If the event itself is covered by your insurance policy, chances are that the secondary mold damage is also covered. Examples of such events include:
- Frozen pipes
- Roof leaks caused by snow, sleet or ice
- Damage caused by a crash or falling objects
- Storm damage other than flooding
- Theft or vandalism
As long as you show evidence that you addressed the initial problem quickly, your insurance company is likely to consider the resulting fungus growth as part of that problem. Therefore, it is likely to pay the cost of remediation.
When Mold Damage Is Not Covered
When the company issues your policy, there is a good faith understanding that you will take care of your home. If mold grows as the result of your own negligence, you will be responsible for taking care of the full cost of mitigation. Most homeowners' policies also don't cover flood damage. You will need separate flood insurance to pay for problems related to flooding, and a separate mold insurance policy can help you be more secure when problems arise.
While your homeowner's insurance doesn't pay to remediate all instances of fungus growth, it may take care of mold issues that result from covered events. Talk to your insurance agent to verify what is covered and choose policies that best serve your interests.
What to Know About the IICRC
The IIRC is a non- profit organization, that seeks to serve the cleaning and restoration community
Few Details You May Wish to Know About the IICRC
The Institute of Inspection, Cleaning and Restoration Certification, also known as the IICRC, is an important organization responsible for setting standards for the property restoration community including those in Washington Township, NJ. Here are a few details about this organization you may wish to know.
1. Who They Are
A non-profit organization, this institute seeks to serve the cleaning and restoration community. There are 15 industry leaders chosen to sit on the board of directors. These professionals help ensure that the organization runs smoothly in a direction that represents the interests and standards of the industry, and help shape the recognized policies.
2. What They Do
The IICRC sets a series of standards recognized by federal, state, and local authorities for the cleaning and restoration industry. These standards are meant to ensure that every job is conducted with the safety of both building occupant and restoration team in mind, and that each project is completed with quality results. This organization also provides education and certificate training.
3. How They Serve
By creating industry standards and providing a mitigation certificate to those individuals trained in these policies through one of the many provided programs, this organization helps insure that those in the industry all work to a set standard. Standards help ensure that there is no confusion about the steps necessary to properly complete a job, and allows clients to know what to expect their chosen professional to do during restoration.
The standards set by the IICRC allow you to know that the professional restoration team chosen to work on your client’s property can perform the job to the same degree of excellence you seek to provide yourself. This non-profit organization seeks to provide globally set standards for every restoration professional to follow, ensuring that every job is performed with quality results. Choosing a certified professional can allow you to know what to expect from any restoration job.
How To Avoid Space Heater Fires
Space Heater Safety Tips
A space heater can provide extra warmth. It can also save on heating bills by allowing you to set the thermostat in your home in Blairstown, NJ, on low while still heating the specific rooms you are using to a comfortable temperature. A burned space heater doesn't help you, though. To avoid space heater fires, you need to follow a few simple tips.
Space Heater Safety Tips
Give It Space
The heating elements on a space heater give off an impressive amount of heat, but they can turn into a fire hazard quickly if they are crowded. There are several guidelines to make sure you have enough space around your heater:
- Maintain radius of three feet from flammable objects
- Don't use near combustible substances, such as gasoline
- Keep children and pets away from heater
- Set it on a level surface so it doesn't topple over
Turn It Off
To avoid having a burned space heater when you leave the room, remember to turn it off. Space heaters should never be left unattended while they are on, especially if you leave the house altogether. In fact, it's a good idea to unplug the heater when you are not at home. Keep an eye out for a frayed or otherwise damaged cord.
Keep It Clean
Keep your space heater clean to minimize fire risk. Dust and other debris can turn a functioning space heater into an electric fireplace in a hurry. Replace filters regularly according to the manufacturer's recommendation so that dirt does not infiltrate the heating mechanism. Follow maintenance instructions so that it not only lasts a long time but also does not become a safety issue.
A burned space heater can turn convenience into a nightmare. By following these simple guidelines, you can increase your creature comforts while still keeping you and your family safe. To avoid having to call for fire cleanup with a restoration company, choose a space heater that is safe and use it safely.
How Does Storm Damage Differ From Flooding?
Mold Damaged Wall Board
Property owners may have a hard time differentiating storm damage from flood damage. Commercial properties can sustain water damage from either source. There are a few major differences to keep in mind that may help you manage these risks.
Storms Versus Floods
The most general distinction is that storm water comes from above, whereas flood water usually overspills natural bodies or courses of water and covers at least two acres of ordinarily dry land. Storm damage to a commercial property may originate from a variety of causes such as
• High winds
• Heavy rain
• Tropical storms
Most business insurance plans provide protection from damage caused by storms. Property owners will need additional coverage to offset the expenses of flood damage. If your property is located on a flood plain, you should make sure you carry the policies necessary to protect your investment.
Flooding occurs when water overflows a body of water or watercourse such as
• Beaches or coasts
• Stormwater channels
Mold From Flood Damage
Mold growing from fallen ceiling damage
For water to be considered a flood, it must not only cover two acres but affect at least two properties. If a commercial property is located in a high-risk zone and the owner has a mortgage from an insured and federally-regulated lender, he or she is required to maintain flood insurance. Damage resulting from either flooding or storms can cause severe problems and should be planned for, prevented, and handled as soon as possible. Regardless of the source of moisture, the risk of mold and other secondary damage within a building can be just as severe.
Restoring Mold Damage From Storms and Floods
Restoration specialists can help property owners determine the precise causes of mold damage and the best solutions. If a commercial property in Blairstown, NJ experiences flood damage or sustains damage during a storm, contact a commercial mold damage restoration company as soon as possible.
3 Steps To Take if You Find Mold in Your Apartment Building
Mold Damage in Blairstown, NJ
If you live in an apartment in Blairstown, NJ and find mold growth in your building, you may not know what to do next. There are several crucial steps that both landlords and tenants can take to make the mold cleanup process easier.
1. Safely Remove Water
Where there is mold, there is often water, and floods or leaks are a common cause of mold growth in apartments. Mold spores tend to grow in damp, dark areas, so removing any water that you can safely remove can help to prevent further mold growth. However, if you are unsure whether or not you can remove the water without risking your health, then it’s best to ask for assistance from professionals.
2. Speak With Your Landlord/Tenants
If you are the tenant in an apartment, you will need to speak with your landlord to inform them about the mold growth. Alternatively, if you are a landlord, you are also responsible for informing your tenants about mold contamination. As the building owners, landlords are primarily responsible for the mold cleanup process and should prioritize the well-being of their tenants.
3. Request the Testing of Affected Areas
In order to understand the safest way to eliminate mold and to clean the surrounding area, it’s often important for the areas affected by mold to be tested. Whether you are a tenant or a landlord, requesting that professionals test the area is generally an important step to take. Once the type of mold has been identified, professionals will be able to give you a better idea of how long the cleanup process will take and if there is also growth elsewhere.
Whether you are a landlord or tenant, finding mold in your building doesn’t have to result in a long mold cleanup process. Many people find it helpful to employ mold removal professionals to ensure that mold is safely eliminated.
4 Tips for Traveling During Storm Season
Have a plan for Traveling during winter storms
Storms can happen any time in Hackettstown, NJ. Heavy rains and strong winds can cause damage to your home, but they can also affect your ability to travel. While a storm remediation service cannot help fix your travel plans, it can help repair any damage done to your home. If you want to travel, however, you can remember these four tips to help you avoid a canceled flight and have the best trip possible.
1. Have a Backup Plan
Planning a trip during storm season can be risky, but you don't always have a choice. If you must fly when bad weather is likely, try to have a backup plan ready. This could include buying a travel insurance plan to help you reserve a new seat if your original flight is canceled. You may also want to consider having alternate travel dates in mind just in case.
2. Get to the Airport on Time
Even if you get an email telling you your flight has been delayed, you may still want to get to the airport in time for the original flight departure. The weather may clear up, which could allow the flight time to be moved back up. If you end up with a canceled flight, you are already at the airport to figure out a new travel plan.
3. Know Who To Call
Before you get to the airport, you may want to find out who you would have to call should your flight get canceled. Calling the airline directly can help you figure out a new flight if yours gets canceled. You may be told to go to the airline desk, but that will leave you waiting in line for who knows how long.
4. Pack Light
A canceled flight could require you to quickly change your travel plans. If you have to check bags, there's a chance you may lose some of your luggage in the shuffle. Keeping everything in carry-on bags ensures you can keep track of all of your belongings.
Traveling any time can be stressful. Keeping these storm tips in mind can help you have a great trip.
How To Stay Safe When a Thunderstorm Threatens Your Business
Keep any trees or shrubbery surrounding your business trimmed.
How To Stay Safe When A Thunderstorm Threatens Your Business
When a rain storm threatens your business, it’s important to protect not only your building, but also any employees and customers who are trapped inside. Knowledge of proper storm procedures can mean the difference between a safe outcome or possible injury or death. By keeping a few guidelines in mind when inclement weather hits, you can ensure your business in Hermon, NJ emerges safely.
1. Keep track of weather reports.
During peak thunderstorm season, you should familiarize yourself with your local emergency weather warning system and sign up for automatic text or email storm alerts. Monitor the weather using an online radar tracker every day, so you’ll have a head start if a system is approaching. A few hours of advance notice should give you adequate time to prepare your business and evacuate the building if necessary.
2. Avoid standing near windows.
High winds during a rain storm have the power to shatter glass and severely injure anyone in the building. If a storm hits while employees or customers are inside your business, direct them to an underground basement or gather everyone in the center of the building away from windows. Keep any trees or shrubbery surrounding your business trimmed to prevent strong winds from blowing them into the glass.
3. Stay inside until danger passes.
Just because it’s stopped raining and storm clouds have passed over doesn’t mean it’s safe to go outside. Flash flooding, fallen debris, and downed power lines can pose potential hazards in the aftermath of a storm. Keep staff and customers inside the building until local news and weather reports confirm it’s safe to venture out. If your building floods from heavy rainfall, try to keep everyone away from waterlogged areas and contact a certified water damage restoration company immediately to assess the damage.
A heavy rain storm moving toward your business can be frightening, but remember to stay calm and follow proper safety procedures before and after the storm. Protecting your employees and customers should always be your first priority in an emergency.
The 3 Most Common Home Fire Causes
Smoking is one of the most preventable causes of a home fire
The 3 Most Common Home Fire Causes
The most common causes of home fires can be prevented with basic fire safety measures and equipment. Find out more about three common fire causes to make more informed home fire safety decisions.
Cooking often involves a combination of hot stoves or ovens, open fire, and flammable substances,
such as animal or vegetable oils or grease. It is important to monitor food while cooking. If you are cooking something that takes a long time, periodically check in on the progress to prevent burning. Make sure that smoke detectors in this part of a home are functional. A fire extinguisher can promote kitchen safety, but may also cause grease fires to spread. Keep baking soda and salt near the stove to smother these types of fires before covering flames with a metal lid or another pot.
Malfunctioning furnaces or the improper use of space heaters are common causes of heating fires. Schedule regular furnace inspections and perform periodic maintenance. Only operate a space heater on a hard, non-flammable surface while attended and at a safe distance from combustible materials.
Smoking is one of the most preventable causes of a home fire. Avoid smoking in bedrooms or after taking medication that may cause drowsiness. Use stable ashtrays when smoking indoors and ensure that cigarettes are completely extinguished before leaving the room. It is safest to smoke outside and provide a wind-proof disposal solution, such as a bucket filled with sand.
Cooking, heating, and smoking are three common fire causes. A homeowner may be able to prevent or limit the damage resulting from a home fire by taking precautionary measures and installing and testing fire safety equipment such as smoke detectors and fire extinguishers. A damage restoration and fire cleaning service can help if a fire breaks out for any reason at a residence in Washington Township, NJ.
Four Ways to Remove and Prevent Plant Mildew
Plant mildew can be harmful to your plants
Getting Rid Of Mildew
Mildew is a specific kind of mold that grows on living plants. It has a powdery appearance and is usually white or gray in color. Because plant mildew can affect the health of your plants, it is important to remove it. There are a few ways that you can get rid of the mildew on your plants and prevent it from coming back.
1. Wash the Plant With Water
One way to remove mildew growth from an affected plant is to wash it with a water spray. This should remove most of the mildew that has accumulated on your plants. Be careful, however, about overwatering your plants. It can help to water the roots of your plants instead of just wetting the leaves.
2. Prune the Plant
Removing the sections with the most plant mildew is a good strategy. Pruning the infected areas of the plant can keep the growth from spreading. It can also prevent mildew from reappearing by improving the air circulation through and around the plant which keeps it from becoming too moist.
3. Move the Plant to a Different Environment
Certain environments can promote mildew growth on your plants. If you are experiencing a wet and humid climate in Bowling Green, KY, you are more likely to have this problem. Moving your plants to an area with more sunlight can be helpful. You should also make sure that your plants have plenty of room, as overcrowding them can also result in mildew.
4. Make Sure to Keep Your Plants Healthy
If you do not take proper care of your plants, they are more susceptible to mildew. If you keep them strong and healthy, you can make them less vulnerable to this kind of growth.
Plant mildew can be very harmful to your plants, so if you find any, be sure to remove it as soon as possible and take steps to keep it from returning. A mold removal specialist may be able to help you figure out the best course of action.