If you have to remove mold concentrations or perform any black mold removal covering more than a few square feet, where the musty odor is strong or where you find extensive water damage, we recommend that you take special precautions. You want to not only avoid contaminating the rest of the house but also protect yourself from breathing high concentrations of spores and VOCs.
You have to open up the wall to get at the mold growing inside. Since you have to repair the wall anyway, don’t hesitate to cut the drywall back beyond the obvious damage to find all the mold and let the wall dry out. To avoid cutting electrical wires, poke a hole through the damaged section and locate the wires first. Turn off the power to the outlets before you cut. Mist the moldy drywall and insulation with the pump sprayer to avoid spreading mold spores. Double-bag moldy material in heavy-duty plastic bags and tie them shut.
Public insurance adjusters are independent adjusters who help people negotiate claims with their insurance companies. Public adjusters work for you, not the insurance company. They charge you a fee for their services. The fee is usually a percentage of the claim and is subtracted from any settlement you get from your insurance company. You don't have to hire a public adjuster.
There are also several classes of water damage. The class of damage is important when assessing water damage repair options. Class 1 is the least harmful form of damage. Materials absorb very little of the water from this type of damage. Water damage repair is the easiest in this type of situation. Class 2 has a fast rate of evaporation, which means that carpets and cushions may be damaged. Water damage repair is more difficult when it involves class 2 damage. Class 3 has the fastest rate of evaporation. In this case, the water may come from broken sprinklers or other overhead sources, soaking the walls and furniture. Class 4 requires special water restoration and water removal procedures. This type of damage may affect hardwood floors, plaster, and concrete.
Water damage restoration is often prefaced by a loss assessment and evaluation of affected materials. The damaged area is inspected with water sensing equipment such as probes and other infrared tools in order to determine the source of the damage and possible extent of area affected. Restoration services would then be rendered to the residence in order to dry the structure, sanitize any affected or cross-contaminated areas, and deodorize all affected areas and materials. After the labor is completed, water damage equipment including air movers, air scrubbers, dehumidifiers, wood floor drying systems, and sub-floor drying equipment is left in the residence. Industry standards state that drying vendors should return at regular time intervals, preferably every twenty-four hours, to monitor the equipment, temperature, humidity, and moisture content of the affected walls and contents.[6]
In the United States, those individuals who are affected by widescale flooding may have the ability to apply for government and FEMA grants through the Individual Assistance program.[1] On a larger level, businesses, cities, and communities can apply to the FEMA Public Assistance program for funds to assist after a large flood. For example, the city of Fond du Lac Wisconsin received $1.2 million FEMA grant after flooding in June 2008. The program allows the city to purchase the water damaged properties, demolish the structures, and turn the properties into public green space.[2]
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