What Do Restoration Companies Do?

A restoration company is a company that specializes in structural and content repairs after a fire, smoke, water, sewer, bio hazard, textile, content or crime scene loss has occurred to a home or business. Restoration companies are usually the first respondents following significant damage to a home from floods and fires, water damage, sewage backup and other major events. The job of a restoration company is to clean up the mess and to preserve and protect the home and its contents so that further damage will not occur. Once the emergency work has been completed, ( usually within two days) the restorer begins the involved process of working with the home or business owner and their insurance adjuster to write a comprehensive repair estimate and begin work to restore the property. Some restoration companies also provide textile, household/business content and fine art cleaning, as well as storage services for these types of items.

Water Damage

When dealing with a sudden water loss that originates from a flooded tub, toilet, sink, dishwahser, clothes washer, water heater or a broken pipe, the restoration crew will make every effort to mitigaate the standing water and dry the home or business, (usually within 3 to 5 days) prior ro the onset of mold and extensive structural damages. Often times ceilings have fallen, floors have buckled and walls will need to be removed. Thus, most restoration compnaies are well versed in content inventory and pack out procedures.

Fire Damage

When dealing with a devastating fire to a home or business, a restoration company is capable of emergency content protection and strucutral board up services. Once the emergency work has been completed, (usually with in two days) the restorer begins the arduous process of writing a comprehensive repair estimate that is agreeable to the property owner and insurance adjuster. Once this has been accomplished, they will begin work to restore the property.

Step – By – Step Process

  1. After the major catastrophe, the property owner needs to contact their insurance agent immediately.
  2. The insurance compnay will typically provide you with information about restoration companies that will remove the water or other contamination.
  3. The property owner should review their reponsibilities under their insurance policy for cleaning up the property to prevent additional damage. Discuss any questions that arise with the adjuster or insurance representative.
  4. When the restoration company arrives, thoroughly walk through the property with the restoration company representative and discuss the areas that need cleaning.
  5. After the restoration company evaluates the work and equipment needed, they will provide an estimate for their services. Most insurance claims will cover the cost of restoration. However, if you are denied by your insurance company, you will be responsible for paying the restoration company.

sources: http://www.amrest.com/what-is-a-restoration-comapny-and-what-services-do-they-provide.

Is Mold Covered In Homeowners Insurance?

Home insurance concept , vector illustration

Like any other organism, mold needs food and water. It loves to eat wood, and that’s one reason why homes and other structures sustain mold damage. When it begins depleting its food source, damage occurs. Mold is easily identifies by how it looks and its odor.

Any type of water damage can result in mold. How the water gets into your home determines whether your homeowners insurance will cover the mold damage and remediation. All homeowners policies declare their covered perils along with their exclusions from coverage. An occurrence that’s typically covered in the context of water damage is a pipe burst. That’s because the actual pipe burst is the cause of the claim, as opposed to the mold itself. If a mold claim arises from Florida weather activity, like a hurricane or flood, it’s not likely to be covered without special coverage. You’ll want to review your policy or talk to your insurance representative to learn whether you have flood coverage.

Most basic homeowners insurers do not provide mold coverage within their covered risks, but that does not necessarily mean your claim will be denied. For instance, the pipe burst, which would be an accidental occurrence, which may lead to mold due to the moisture, should be covered, because the pipe burst is the claim reason, not the mold. However, a home showing neglected maintenance (unrepaired water leaks or exposure to humidity over a prolonged period of time) will be more likely to have a denied claim. You do need to be aware that mold coverage that is provided, due to accidents, is relatively low, unless an additional premium is paid. If you do have some mold damage, you’ll want to do whatever you can to mitigate your damages. You should also be vigilant about making periodic checks for possible water leaks in these common problem spots:

  • HVAC system lines & drains
  • Hoses for appliances
  • Tub, shower & sink seals
  • Any visible pipes
  • Weatherproofing of windows & doors
  • Wet spots in the attic & missing roofing material
  • Landscaping around your home

If you don’t have mold coverage, it’s recommended that you get it, particularly because mold thrives in Florida’s warm, humid climate. an average mold claim ranges between $15,000 and $30,000. Mold riders are available as an optional coverage, however they often come with a big price tag. Discuss your options with your insurance agent. Once you have all the information, you can weigh the risks against the costs for your needs.

As always, it’s important to know what your homeowners policy says in regards to your coverage. Take the time to familiarize yourself and ask questions about specific wording in regards to mold coverage, then you will be prepared should you have the unfortunate need to file a claim.

Sources: Does my homeowners insurance policy cover mold damage? Web Blog post. Living Prepared. Prepared Insurance. Home Insurance and Mold: Is Mold Covered? Web blog post. Houselogic by Realtors.

Dishwasher Flooding

The standard dishwasher is a modern-day convenience may of us utilize with a great degree of satisfaction. This economical water-saver offers much relief when it comes to daily chores. In fact, Energy-Star rated dishwashers use, on average, as little as three gallons of water per load. On the other hand, washing dishes by hand consumes up to 27 gallons of water per load! Modern appliances like the handy dishwasher are a built-in time saver as well as an environmentally friendly machine.

Dishwashers, like most kitchen appliances, are built to last. Many offer years upon years of convenience. On occasion, these dependable appliances have a tendency to leak or break, causing utter devastation within the kitchen. not only is the automatic dishwashing convenience temporarily halted, but the damage that results can be an expensive fix.

Problems with a Broken Dishwasher

The suds and dirty water that leak from a broken dishwasher can seep into your kitchen floorboards within minutes. Mold growth occurs within as little as 24 hours. So, unless you detect the flood sooner rather than later, you’re in for a costly cleanup.

Periodically inspecting your dishwasher for leaks or potential problems is a tedious task, but one that will save you significant labor expenses and, perhaps, a high-cost replacement.

How to Prevent a Broken Dishwasher

The dishwasher is a tidy and prim device, with all the central hoses and components tucked neatly away inside. The appliance seems relatively uncomplicated. Checking your dishwasher takes a little familiarity with its inner workings. So, where do you begin?

Inspect the Gasket

What is a gasket? The gasket is a rubber lining that keeps the suds and water from leaking out of your dishwasher anytime it operates. Easily check the functionality of the gasket with, first a visual inspection for any obvious wear, and second, a piece of paper. Close the dishwasher door upon the paper. If the paper can be easily removed when the door is closed, a tight seal is not in place. Replace the gasket in this instance.

Notice the Water Level

In general, an operational dishwashers water level will remain at the lowest part of the dishwasher door. Upon running the dishwasher, if you notice the water level to be higher than the edge of the door when you open it just prior to the wash cycle, the float switch could be damaged; or food particles may have clogged the strainer. Simply, remove the strainer and thoroughly rinse it to remove any debris. If the water level continues to be high replace the float switch.

Examine Both Hoses

Dishwashers come equipped with two hoses, one that fills and one that drains. Prior to inspecting the hoses, be sure to turn off the power to the dishwasher from the breaker box. You can check the hoses by removing the lower panel of your dishwasher. If you see any traces of wetness, the hoses may be too worn to operate efficiently. Significant water damage is likely to result over the long run. An additional method to check for the functionality of the hoses is to place a piece of paper underneath the hoses. If the paper becomes wet or saturated at any point, replace both hoses. Also check for and undo any kinks in the hose.

What to do about a Flooded Dishwasher

An unexpected leak may spring if you do not perform periodic checks of the dishwashers internal mechanisms. Soapy suds that spread along the kitchen floor leave more than watery puddles to clean up. Developing mold spores are a cause for concern. Plus, in no way is it safe to step onto a wet kitchen floor with a malfunctioning electrical appliance. The combination of electricity and water is extremely dangerous. All is not lost, when you are aware of the steps necessary to remediate the sudden mechanical failure.

Turn Off the Electricity

First, turn off the electricity to the kitchen. This safety precaution ensures that leaking water and electricity do not mix. Advise your family that the kitchen is off limits until the dishwasher is safe to use once again.

Shut Off the Water

A quick reaction is necessary to prevent additional water damage to the flooring or paneling of surrounding cabinets in your kitchen. Find the waterline that works in conjunction with your dishwasher. You’ll likely locate this under the kitchen sink. Turn the valve completely clockwise to shut off the water to the dishwasher. Once the water source is turned off, take this time to examine the cause of the flooded dishwasher.

Mop up Excess Water

Soak up any water that leaked onto your hardwood flooring, kitchen tiles or surrounding cabinetry. Hardwood flooring and wooden cabinets absorb water easily, creating a risky environment that encourages mold growth or discoloration and damage to surfaces, including swelling and warping. Swift action can prevent mold spores from contaminating the space, as well as reduce other unfavorable conditions.

Call a Professional

Once water seeps deep into the kitchen flooring and cabinets, the resulting damage is difficult to remediate without professional help. Water damage restoration professionals are trained and experienced in all facets of water extraction and drying. Reputable companies, like PRS, are immediately available to eliminate the standing floodwater that easily and effortlessly penetrates surfaces. Advanced water-extraction machinery is the most effective method used by trusted water damage restoration experts to thoroughly dry water damaged areas, furnishings and structures.

When your dependable dishwasher suddenly interrupts your peace of mind with an unexpected leak, water damage restoration experts are a phone call away. Service technicians are available 24 hours a day in the event of emergencies to thoroughly remediate the results of any and all water damage.

Source: Luke Armstrong. “Dishwasher Flooding: How to Prevent and React.” Web blog post. Restoration guides, Restoration Master.