What You Need To Know About Board-Up Services
Remember to have your emergency medical care for your furry friend
You will probably never have to go through a fire in Hixson, TN. Just because fires are unlikely and uncommon, though, does not mean you should not plan for them. If you are like most pet owners, your furry friends are part of the family. As such, you must keep them safe during any disaster.
To best manage a potential fire, you should know a few things about pet board-up during emergencies.
1. Pets Can Be a Distraction
When you are going through a fire, pets can be a distraction. Unlike humans, dogs and cats generally don’t stay in one place. Instead, instincts cause them to seek shelter. Rather than worrying about your pet ending up somewhere he or she shouldn’t be, plan to take yours to an emergency board-up service until the chaos subsides.
2. Services Accept Pets at All Hours
Many board-up facilities never close. That’s a good thing, as fires often occur during nighttime hours. Of course, locating an emergency pet service during a fire can be difficult. As such, you must locate a facility when you are thinking clearly. By including the contact information of the facility in your emergency plan, you don’t have to scramble to find one later.
3. Dogs and Cats Often Need Emergency Medical Care
Since your pets are part of your family, their wellbeing is a top priority. As you probably know, furry friends are susceptible to injury during a fire or other disaster. Often, they need emergency medical care. Since seconds count, you don’t want to have to find an emergency veterinary service. Instead, choose a boarding facility that has emergency professionals on staff.
Fire damage can destroy any home. Fortunately, a professional restoration service can often return your house to its pre-fire condition. It cannot, however, protect your pets during an emergency. When you are preparing your emergency plan, don’t forget to add pet board-up services.
How To Distinguish Between Commercial Flood, Storm and Water Damage
Building flood damage in Red Bank,TN
As a business owner, you must think about potential hazards to your organization. When water accumulates inside our outside your building, business operations may be affected. To mitigate risk, you may choose to purchase flood or water-damage insurance. When shopping for coverage, you need to know the difference between flood damage and other types of damage.
Business Damage Due to Flooding
For both insurance and other purposes, flood-related damage refers to damage caused by a specific type of event. If your business has sustained damage due to the following, the damage may constitute flood-related damage:
- Water covers a large area of typically dry land
- Water overflows due to a unforeseen circumstances
- Water breaches a containment area, such as a reservoir or lake
By contrast, water that falls from the sky usually does not, by itself, cause flood-related damage. This type of weather event may, however, result in storm-related damage.
Business Damage Caused by Storms
Storm damage occurs when your business sustains damage during severe weather. Some common types of storm-related damage come from the following weather events:
While water may accumulate during severe weather, storm-related damage is different from flood damage in a significant way. That is, with storm-related damage, water does not breach a container. Instead, it accumulates in an area as a result of severe weather.
Business Damage Related to Water
Additionally, water damage is different from both flooding and storm-related damage. With water damage, a system inside our outside your building fails. Broken or leaky pipes are commonly to blame, but they are not the only source of water damage in Red Bank, TN, businesses. On the contrary, clogged gutters or ice dams may also cause your building to sustain water-related damage.
For insurance and other purposes, you likely need to know the difference between water, storm and flood damage. If your business has been damaged, a restoration service can likely help you return it to its pre-damage condition.
Will a Water Damage Claim Raise My Rates?
Flooded damage home in Chattanooga,TN
If you suffered from a home flood recently, you may be worried about making an insurance claim. Will reporting the issue cause your rates to increase? Read on to learn what you need to know.
The Claim Category is Important
As it turns out, there are certain types of claims that are more likely to cause your premiums to increase than others. These include:
- Dog bites
- Slip-and-fall matters
- Water damage
Although water-related destruction is on this list, do not get discouraged. If you were not at fault, you are more likely to be safe from a rate hike than if you were to blame.
The extent of the damage is also of importance when making an insurance claim. If the damage is contained to a small area, you will likely see only a minor rate increase or none at all. If the issue is complex, you may have to start making higher payments on your policy.
Rate Hikes Vary
If you do get an increased insurance rate, it may not be as large as you think. The average rate is usually raised by about 20 to 40 percent, depending on the insurance provider. As mentioned above, your premium increase is also based on how bad the damage is, who was at fault and what occurred.
Hikes Are Not Forever
If your rate goes up, it should not be permanent. Even the strictest of companies rarely increase premiums for longer than five years, and some only go up for two years. If you lose coverage, your only option may be to find high-risk insurance, which can be very expensive for most Chattanooga, TN, homeowners.
The best way to understand if filing an insurance claim is right for you is reviewing your insurance policy. If this is your first claim and the company typically forgives those, reporting the water damage is probably a wise decision. If the damage is widespread and will be costly to fix, filing a claim may be your only option. Weighing the pros and cons and reviewing the information above will help you to be better prepared to make the right financial decision.
Handling Mold Damage in Chattanooga
Moldy walls needing cleanup in Chattanooga.
It used to be commonly seen in Chattanooga mold damage was covered under a majority of property insurance when the mold resulted from a peril that was covered like fire control, a plumbing leak, storm or other cause which was covered under your property insurance policy.
Mold Damage Should Be Taken Seriously and Dealt With Expediently
Because of public awareness and scientific knowledge about mold and its related health hazards, concerns about mold have increased. The removal, clean up and remediation techniques are hazardous and costly to the professionals who are completing them. The insurance carriers, in response to the concerns of the public, have been removing this type of coverage from their policy forms, even if the mold is the direct result of peril which is covered. The insurance companies, in some cases, offer coverage that is limited for fungus/mold for an added premium.
Contamination from the mold can cause considerable damage to your property, so it should be taken quite seriously. Many people do not realize how serious of an outbreak of mold is for their home.
Before the changes were made to exclude mold coverage from insurance policies, the carrier minimized the impact of mold quickly by many times suggesting using a bit of bleach as a solution to your mold problem. Representatives from insurance companies many times will quote the exclusions for mold from the policy even when coverage could exist for your particular mold damage.
Testing for Mold Damage
Mold Damaged Wall After Water Damage
Often, mold damage in Chattanooga needs testing to identify the protocol for remediation for your particular kind of mold damage. After a protocol has been figured out, a remediation contractor will follow the steps needed when removing the damage from your building. When the remediation is complete, air clearance testing will need to be done to figure out how successful the contractor’s efforts were.
If you have mold in your business or home or suspect that you do, you should not attempt to clean it up on your own. Hiring a professional remediation company is much safer since they have the experience and knowledge needed to clean the mold thoroughly and correctly. They will also have all of the protective clothing and gear required to keep themselves safe while they are working on your mold problem. Plus, they’ll be able to find the hidden mold that you might never have found, making sure they completely clear your business or home of any mold problems.
It is also imperative that you act quickly. Mold does not take much time at all to grow – only about 24 to 48 hours – and you want to stop the growth as fast as possible as it will just continue to multiply and cause you and your family or employees great health concerns.
If you have suffered any water damage which has created a mold damage problem near Chattanooga, you should reach out to SERVPRO of North Chattanooga right away by calling (423) 332-7678. We can assess the extent of your damage quickly and begin remediation so that the health risk can be gotten rid of as soon as possible.
Steps for Cleaning Your Crawlspace
Storm damage in a Red Bank, TN home
A home flood in Red Bank, TN, can affect every inch of your home. Most of the storm damage is easy to see. Some areas, however, such as your crawlspace, may be flooded without your knowledge. After a thorough inspection, if you discover flood damage in your crawlspace, here are some tips for dealing with it.
1. Remove Items
While the name indicates a certain need for openness, in most homes, a crawlspace is not just an open space. Sometimes insulation is added, particularly in colder climates. They may also house parts of your HVAC unit, plumbing or wiring. Some homeowners may even use it as storage for keepsakes or seasonal items. When it is flooded, however, the restoration company you hire to remediate the water damage will need to remove all the items to determine if they can be salvaged.
2. Remove Water
After the space is cleared of items and debris, the next step of home flood remediation is removing the standing water in the space. An industrial sump pump or trash pump is typically used to complete this process. It siphons the water out of the crawlspace into a tank in the technicians' truck. From there they can safely dispose of it in another location.
3. Dry Surfaces
Once the crawlspace is emptied, the remaining surfaces may still be wet. They cannot be left this way or the space may develop a mold problem. Mold can start to grow in as little as 24 hours, so the faster the area can be dried, the better. Technicians may use dehumidifiers to leach the moisture out of the air. High-powered fans can be used to increase air flow across the surfaces and evaporate moisture as the air moves outside.
Once the area is dry, it still has to be disinfected, as water from storm damage often contains bacteria that you wouldn't want in your home. Drying your crawlspace is an important factor in avoiding further water damage during a home flood.
3 Reasons You Might Smell Mold in Your Home
Mold damage on a bathroom in a Chattanooga, TN home
Catching a whiff of foul odors in your Chattanooga, TN, home can be distressing. Certain odors can be caused by wet weather, old carpeting and pet accidents that were not cleaned up properly. However, one common cause is from mold growing somewhere in your home, out of sight. Black mold can give off a particularly strong odor because it can spread quickly where moisture is present. There might be several reasons that mold is growing inside your home and understanding why can help you target and destroy it.
1. A Leaky Roof
Small leaks in your roof may be difficult to detect. However, when it rains and water gets into your attic, the humidity there makes for a fine mold breeding ground. If you continuously find mold in the attic, you may want to have your roof inspected by a contractor who can find the source of the leak. The moisture problem may be something as simple as a missing shingle or damaged flashing.
2. Cracks in the Basement Walls
If you have an older home, your basement walls may be suffering from minute cracks that are letting in moisture each time it rains. This problem may be compounded by poor drainage around the perimeter of your home. The basement may be breeding black mold because instead of draining away from your home, rainwater seeps in, finds its way into the cracks, then puddles in corners where you do not notice it. You may want to call in a mold cleanup and remediation service to dry out your basement and remove the existing mold before you address the drainage issue.
3. A Dirty Washing Machine
Wet, musty smells can emanate from your washing machine over time as moisture allows mold to grow inside the drum. Run a mixture of baking soda and vinegar through a cycle to break up hidden mold.
A fresh-smelling home is probably a priority for you as a Chattanooga, TN homeowner. Black mold and other fungi can create foul odors, but when you know where they might be hiding, you can find and destroy them quickly.
How To Choose a Commercial Drying Specialist
Air mover on a water loss in Signal Mountain, TN
Unexpectedly, you discover a broken pipe at your commercial property in Signal Mountain, TN. You immediately shut off the water main to the site, call your insurance agent and go online to find a commercial drying specialist. However, there are many to choose from. How can you ascertain which company will quickly and properly complete the water clean up and restoration for your business structure and contents?
Institute of Inspection Cleaning and Restoration Certification (IICRC)
The IICRC provides certification based on industry standards for restoration companies. Look for the IICRC logo on company websites or professional vehicles. When you hire a certified restoration company, you can feel confident that the technicians will have the following skillsets:
- Possess current knowledge of the field through experience, training and examination.
- Uphold the IICRC high code of business ethics.
- Maintain current licenses and insurance.
Commercial Drying Specialist Certification
When a broken pipe occurs, you need a specialist trained specifically in water clean up, commercial drying and restoration procedures. During the accreditation process, the IICRC ensures that technicians acquire and display the following knowledge and skills:
- Demonstrate proper techniques in inspection and evaluation of commercial water damage.
- Understand project management and coordination of commercial structures.
- Recognize commercial hazards and safety considerations related to water damage.
- Establish expertise in current methods of drying structures and materials.
- Comprehend moisture mechanics, air management and the microbiology of flooding.
A broken pipe at your business in Signal Mountain, TN, is a stressful experience. Not only do you worry about damage to the building structure and contents, but you also become apprehensive about the interruption to your company. Finding a reputable commercial drying specialist for the water clean up and restoration process is critical to getting up and running again in an efficient manner. When the specialist is IICRC certified, you can trust that the technician possesses the skillset to get the job done right.
3 Ways a Restoration Company May Rectify Smoke Damage at Your Business
Fire damage in a Signal Mountain, TN building
There are many ways a fire can harm your Signal Mountain, TN, business. Extreme heat, flames and water damage are all possible, but one that you may not consider right away is how smoke can affect your property. Smoky smells can linger long after the fire is out, especially once it permeates the walls or carpeting. However, a fire restoration and cleanup service may have several smoke cleaning techniques at hand that can clear away unpleasant smoky odors from your business.
1. Ozone Treatment
Once your building is dry, fire damage and restoration service technicians can perform ozone treatments to remove smoke damage, soot and smoke odor. This process disinfects any areas affected by the fire and breaks down odor molecules in the air so the smell is destroyed instead of being masked by another odor, such as an air freshener. Ozone generators can be placed in each affected area, where the ozone will oxidize the odors so they cannot linger.
2. Air Filtration
A professional restoration company usually has several air filtration techniques to offer, so discussing each with service technicians can help you decide which is the best for your property. Ozone cleansing, air scrubbing and heavy-duty filtration machines can erase smoke odor completely, even from rooms that have been sitting for some time after a fire. Since your needs will be unique, discussing different techniques can help you feel confident about the results.
3. Thermal Fogging
During this process, a cleansing mixture is superheated and then released from a machine as a fog. The fog settles over smoke-damaged items and structures, which destroys any strong odors and leaves behind a pleasant scent instead. This type of smoke cleaning may be especially useful for office furniture and other commercial supplies.
Smoke cleaning can be beneficial after a fire affects your Signal Mountain, TN, business. These odors can be stubborn, so specialized cleaning with professional techniques may be the most efficient path to restoring your property.
Reasons To Have Commercial Flood Coverage
Storm damage in a Harrison, TN home
You may feel pretty confident about the commercial insurance package your agent has put together for your business in Harrison, TN, but it may still be lacking something. If you don't have flood insurance, you could be setting yourself up for a devastating loss, particularly if you live in an area that is prone to flooding. Here are some reasons to have proper flood coverage in addition to all the other policies in your portfolio.
Commercial Property Limitations
Your commercial property insurance is essential. A solid policy will cover most of the damages that might occur:
- Fire damage to the structure of the building
- Stolen property
- Damaged business personal property
- Repairs to building
Natural disasters are generally not covered under a standard commercial property policy. To protect against flooding from storms, you need additional flood insurance.
Flood Policy Coverage
While a flood policy does not cover damage from the storm to landscaping or others' property, it protects your building and the items in it. Good flood coverage can pay for repairs after a storm. It also covers any damage done to insured items, such as office or production machines, that need to be restored by water remediation specialists.
Finally, if you live in an area prone to flooding, a commercial insurance policy that specifically protects against the damage it can cause may be required by law. This is particularly likely if you have a federally backed mortgage or if you rent your commercial property from someone else. In the latter scenario, if the law doesn't require insurance for flooding, your landlord probably does.
Your business in Harrison, TN, needs protection from many problems that may arise. Your insurance agent can recommend the policies that are necessary for your particular business in your location. If you live in an area that floods often, make sure you get flood insurance. You will probably be glad you included it someday.