You can easily spot the most visible type of mold, called mildew, which begins as tiny, usually black spots but often grows into larger colonies. It’s the black stuff you see in the grout lines in your shower, on damp walls, and outdoors on the surfaces of deck boards and painted siding, especially in damp and shady areas. A mildewed surface is often difficult to distinguish from a dirty one. To test for mildew, simply dab a few drops of household bleach on the blackened area. If it lightens after one to two minutes, you have mildew. If the area remains dark, you probably have dirt.
Understand that there are several people who represent the insurance company during a claim, so you want to know where the decision is coming from. Was it your agent who told you, the insurance adjuster, or a contractor? Each person plays a different role. Don't be afraid to request clarifications to avoid misunderstandings. When a claim is denied, you will normally receive something in writing advising you of the official decision.
Cut through the paper facing of the drywall sheet with a razor knife. Cut along the drawn lines. Break the drywall along the face cut, and fold the drywall slightly to make a crease in the paper backing of the drywall sheet. Cut through the crease in the backing paper with a razor knife from the backside of the drywall sheet, and remove the unwanted portion of drywall. To make cuts that are perpendicular to each other, use a keyhole saw for the shorter of the two cuts, and then fold and cut the drywall.
Over a quarter of a million American homes each year will suffer from damage due to frozen or burst pipes. A frozen, broken or leaky pipe are all inconveniences that can lead to major headaches for your home. Ignoring these repairs can be extremely costly as basement water damage can lead to an unstable structure and damage of your valuables. When you need flood damage cleanup with a burst or frozen pipe or are dealing with flooding at all, give us a call today!
The longer water damage sits untreated, the more likely it is that additional damage can occur. If it’s determined that drying equipment is needed, dehumidifiers will often be placed in the home to prevent against further damage like mold growth while the vendor is waiting for approval from the insurance company, if one is involved. Dehumidifiers can be present for one or multiple nights depending on factors such as the length of time the water has been present and the source of the leak. The contractor working on your home will be able to assess how long the dehumidifiers are needed.
Throughout the drying process, crews will stop by periodically to monitor how the drying is progressing. Specifically, they monitor the dehumidifiers’ intake and output temperatures and humidity levels to make sure the dehumidifiers aren’t putting wet air out into the room. They’ll also go back and take readings of the same surfaces they did during the inspection phase. As rooms are declared dry, crews will often move equipment around to other areas of the home that are still wet.
If you still do not understand why something isn't covered, and you think there is a chance for a review of your situation, don't be afraid to ask your agent or representative for a review or a second opinion. In a stressful situation like a claim, it is understandable that things may not be expressed clearly on either side. You want to make sure you understand fully.
The insurance company must start investigating your claim within 15 days after receiving written notice and may ask you for more information. Once you send the information, the insurance company has 15 business days to accept or reject your claim. If the insurance company says it will pay your claim, it must pay within five business days. If the insurance company rejects your claim, it must explain its reasons in writing.
After a mold has been cleaned, repaired, changed over, and final-checked, it needs to be given a new status and moved to one of three areas—typically racked in holding/storage area, reset in the press, or staged as a back-up mold in a molding-cell operation. It could also go to an outside vender for rebuild or production. You should know where your molds are.
Once you’ve pulled away wet materials and established holes or cuts in the wall as needed, you’ll typically need one air mover for every 15 – 25 square feet of floor, unless the moisture load and density is particularly high, then you may need more. To prevent mold, make sure all of the layers and materials are dry before putting everything back together.
Water damage can originate by different sources such as a broken dishwasher hose, a washing machine overflow, a dishwasher leakage, broken/leaking pipes, flood waters and clogged toilets. According to the Environmental Protection Agency, 13.7% of all water used in the home today can be attributed to plumbing leaks. On average that is approximately 10,000 gallons of water per year wasted by leaks for each US home. A tiny, 1/8-inch crack in a pipe can release up to 250 gallons of water a day. According to Claims Magazine in August 2000, broken water pipes ranked second to hurricanes in terms of both the number of homes damaged and the amount of claims (on average $50,000 per insurance claim) costs in the US. Experts suggest that homeowners inspect and replace worn pipe fittings and hose connections to all household appliances that use water at least once a year. This includes washing machines, dishwashers, kitchen sinks and bathroom lavatories, refrigerator icemakers, water softeners and humidifiers. A few US companies offer whole-house leak protection systems utilizing flow-based technologies. A number of insurance companies offer policy holders reduced rates for installing a whole-house leak protection system.