Will Renters Insurance Cover Fire?
Fire damage in Park Meadows, CO
If you experience a fire in your Park Meadows, CO, rental home, you will likely have many questions. Insurance can be especially tricky for renters. Knowing about the different renters insurance coverages can help put your mind at ease.
Types of Coverage
Every policy varies, so make sure to check the details of your policy to know what is covered, the coverage limit and the deductible. Many policies cover the following in the event of a fire:
Contents If your possessions are destroyed in the fire, your policy could cover the cost to replace them. Make sure that your policy covers replacement value rather than actual cash value.
Third Party Medical Bills If someone is injured during the fire, your insurance company may pay for their medical bills even if the fire is not your fault. Generally, the limits for this type of coverage are fairly low.
Loss of Use Unfortunately, you may not be able to live in your home after a fire. Loss of use coverage will pay for temporary living arrangements during the fire restoration process.
Liability If the fire is your fault (excluding criminal acts), then the insurance company will likely pay for medical bills of injured third parties and for repairs.
The claims process varies with every company; however, the basic steps are the same. Your renters insurance will require you to tell them how much your contents are worth. This will go much more smoothly if you have evidence to support your claim. Keep your home inventory current. Have photo or video documentation of your belongings. Keep receipts for big-ticket items. It is a good idea to store the home inventory digitally in cloud storage or in a fire-proof safe. After a fire, you will also need photo or video evidence of the damage.
After filing a claim with your renters insurance, it is time to begin restoring your belongings. Depending on the extent of fire damage to your property, you may need to enlist the help of an experienced restoration company to restore your belongings to their pre-fire condition.
3 Ways To Prevent Mold Growth in Your Bathroom
Shower head leaking in a Cherry Hills Village, CO bathroom
3 Ways To Prevent Mold Growth in Your Bathroom
Do you know how to prevent bathroom mildew or mold in your home in Cherry Hills Village, CO? Mold can affect various parts of a home but often occurs in bathrooms. However, many homeowners don't think about the issue until there are visible signs of mold growth. Fortunately, focusing on prevention can help you to avoid major mold problems in your home.
1. Clean Your Bathroom Frequently
In order to grow, most types of mold require access to both moisture and organic material, such as dirt or dust. Since bathrooms with showers and baths are frequently used to clean up, it can be easy for dirt and other organic material to accumulate quickly in these areas. In addition to making your bathroom look like new, cleaning all areas of the room often can help to prevent mold growth.
2. Install a Swamp Cooler
If your bathroom has a humidity problem, the chance of mold growth increases. However, you can often prevent bathroom mildew by decreasing the level of humidity in this area. Installing a swamp cooler in your home's bathrooms can be a beneficial way to lower the humidity in these rooms. A swamp cooler, also known as an evaporative cooler, evaporates water in the air, which helps to cool the overall temperature in the room and decreases humidity levels.
3. Check for Signs of Leaks
Generally, water leaks are a common cause of mold growth. However, minor leaks can be difficult to notice until signs of major damage, such as discoloration on walls or a musty odor, occur. It's wise to routinely check the appliances in your bathroom for any signs of leaks or water issues. If your home has sustained water and mold damage in any area, you can contact emergency restoration specialists to help evaluate the situation.
Although bathroom mildew can be a major annoyance to remove, there are steps you can take to reduce the likelihood of mold growth. Cleaning your bathroom often, installing a swamp cooler and inspecting the room for signs of leaks can help to prevent mildew growth in this area.
How Do I Create a Business Continuity Plan?
Develop a business continuity plan
When setting up or running a business, the last thing most company owners want to think about is the possibility of a disaster. If you own a business in Park Meadows, CO, a good business continuity plan is necessary to protect your investment and future success. If water damage strikes, proper planning will minimize the impact on your organization and get you back up and running as quickly as possible.
Here Are Five Steps to Creating a Solid Plan:
1. Conduct a Business Impact Analysis
A business impact analysis is a process used to determine which assets or processes are most critical to running your organization. During this stage, you will evaluate each asset and process and assign a priority to it. The end result is that you will have a clear picture of which items would have the largest impact on your business if they were lost.
2. Develop a Plan To Recover Critical Business Processes
Using the information gathered in your business impact analysis, develop a plan for recovering each critical asset. Solutions may include temporarily moving operations to a different room, using a generator or off-site services, or enlisting the help of a professional restoration company.
3. Develop a Business Continuity Plan
Putting together the information you have collected so far, you can begin to write your documentation. This document acts as an emergency response plan for the entire organization. It includes fail-over or recovery procedures for each item that is deemed critical and gives an overall plan for recovering your business after a disaster.
4. Perform Testing
Even the best plan needs to be tested. You may find something did not work as expected, or an extra step needs to be added to the procedures.
5. Train Your Workers
Sharing the plan is the final step. Once your processes and procedures are in place, train employees so that they know exactly what is expected of them.
Proactive planning is critical for every organization. With a good business continuity plan and the help of a professional restoration service, you may be able to keep operating your business even while you recover from a disaster.
How To Stay Safe After a Flood
Wear proper protective gear
Flood Safety Tips
You and your family may have survived a major storm, but the danger doesn’t stop when the rain ends. That’s because flooding in your Greenwood Village, CO, house can also be harmful. Below are some flood safety tips.
Remove Contaminated Carpeting
Floodwater can be contaminated with sewage. If the sewage has gotten onto your carpet, you should discard the carpet as soon as possible. Carpeting that cannot be removed should be dried immediately. You may be able to use a battery-powered fan to speed up the process.
Turn Off the Electric System
If you try to use electronic devices or appliances while the house’s wiring is still wet, you could suffer a serious electric shock. Even if the wiring looks safe, there may be hidden moisture behind the walls.
Flooding can also lead to a buildup of mud in outlets, adapters or switches. This may prevent affect the grounding system and could lead to electrocution.
You should thus shut off your houses electric system and keep it off until your house has been completely cleaned and dried. An electrician can inspect the wiring to make sure it is safe to turn everything back on again.
Wear Proper Protective Gear
Another key part of flood safety is protecting yourself when and if you try to clean the house. Because of all the potential dangers in your home, you should hire storm damage restoration professionals. Yet if you do try to make some repairs yourself, make sure to use a mask and goggles. You should also keep your entire body covered by wearing boots, pants and gloves. This will also protect you from any hazardous chemicals in the cleaning supplies.
The above safety tips will keep you and your loved ones protected after a storm. By taking these extra flood safety precautions and hiring professional restoration experts, you can try to return things back to normal.
4 Things You Should Do When Creating a Fire Escape Plan
Practice regularly your fire escape plan with your employees
Use The Following Tips To Create A Fire Escape Plan
It might not be fun to think about something like a fire happening in your building in Littleton, CO. However, it is important to be prepared in case of an emergency. Creating a fire escape plan using the following tips can help both you and your employees to handle this dangerous situation more safely.
1. Locate All Exits
Before you can begin making your emergency escape plan, you need to find any exits that you can safely use to leave the building. This will include options like main entrances and those with attached fire escapes, but don’t forget about the less obvious choices. While they may not be as easy to use as a door, windows on lower floors can serve as an exit when necessary.
2. Be Aware of Multiple Exit Routes
Because fires can be unpredictable, you may not be able to leave through your preferred route. It is a good idea to figure out at least two potential paths from every area of the building. Make sure that all of your employees are aware of these paths and the locations of each exit. It can help to keep this information posted in a common area.
3. Designate an Outdoor Meeting Area
Another important step in making your fire escape plan is to include what you will do once you’ve left the building. It is likely that you and your employees will need to exit through different locations. Assigning an area to meet will help you determine who is safe and who may still be inside the building.
4. Practice Regularly
It can be difficult to think straight during an emergency, so having plenty of practice beforehand will be helpful. Perform a drill at least twice a year to make sure everyone knows and is comfortable doing what they need to do in order to get to safety.
Creating a fire escape plan is a great way to help keep everyone safe during an emergency, but it won’t prevent any damage that may occur. An emergency restoration company can help with cleanup and repairs to return your building to its previous condition.
4 Ways to Prepare Your Business Before a Storm
Back up important data in case of a power surge
4 Ways to Prepare Your Business Before a Storm
If you are expecting a storm in Centennial, CO, it is important to prepare your business for an emergency. Disaster preparedness should include a variety of areas, from the building to your employees. The following are a few things that you should do in preparation.
1. Inspect the Building
One of the first things you should do is to make sure that your building is in good condition. If there is any existing damage, it may become worse during severe weather. Check for cracks or leaks in the roof and exterior of the building and make sure that all the doors and windows are properly sealed.
2. Back Up Important Data
Disaster preparedness should not just include your physical belongings. If your business has important files and documents stored on its computers, you should make sure that you create a back-up. If the building floods or experiences a power surge, electronics can be damaged resulting in loss of data.
3. Invest in a Generator
If you plan to continue working during a storm, a generator can come in handy. Smaller generators can give you enough time to safely shut down your equipment, and larger ones can help keep your business running during a power outage.
4. Create a Disaster Plan
In some cases, it will be safer for your employees to stay at home rather than come into work. One part of business preparedness is ensuring that everyone knows what your expectations are during severe weather. Make sure to have a plan for emergencies that happen at work as well. You may want to build an emergency kit with flashlights, batteries, bottled water and other supplies.
Practicing proper disaster preparedness can keep both your property and your employees safe during a storm. However, sometimes damage cannot be avoided. If your building has water or flood damage, contact a cleanup and restoration company right away to begin work on repairs.
Prevent Secondary Damage from Black Mold Following a Flood
Mold growth due to water damage in an Englewood, CO home
In the unlikely event that a water leak or flood happens in your home due to a pipe break or other situation, fast action is of the utmost importance to avoid the black mold growth that can accompany it. Appropriate cleanup and removal should be a priority.
What Is Secondary Damage?
The black mold that can grow in your home following a water leak is known as secondary damage, and can be a real problem if it gets away from you. Mold spores are found almost anywhere and in all sorts of climates and conditions. The spores take hold in moist environments and can grow anywhere and on any surface. If you are unsure about the signs and risks of mold in your home, here are some guidelines.
Any where in your home where there is a continuous leak is in danger of black mold growth
High humidity creates the perfect environment for mold spores to take hold – moisture triggers growth
Anywhere you can smell strong, musty odors is a likely candidate for mold growth
A black, spotty substance on sheet rock and other materials is likely mold and will continue to grow and thrive until removed
Proper Cleanup Procedures
You will need to call a mold remediation and cleanup service in Englewood, CO, to assess the situation and make a determination as to what is needed to abate it. No one can guarantee complete mold removal, as the spores are microscopic. But removing the water source, containment of the mold, filtration of the air and removing mold-infested materials from the home get rid of most of it. Other belongings with possible mold exposure need to be cleaned to remove spores.
Prevent the secondary damage of black mold growth by getting help to clean up the water, dry things out and perform mold remediation as quickly as possible following a leak. This can help assure a safer home environment for your family.
Do You Have Black Mold?
Water stains in a Southglenn, CO building
When you unlock the doors to open your business for the day in Southglenn, CO, and suddenly get a strong whiff of a moldy smell, it doesn’t mean that it is time to panic. While mold can easily spread and requires extra work to eradicate, it is still fairly easy task. Although mold cleanup may not be a favorite job, it is a necessary one. Mold spores easily become airborne and find a new home to reproduce. When coming across the fungus, it is important to remember that are many types of variations of it. For many, a concern is black mold.
How Bad Is It?
Known as Stachybotrys chartarum in scientific circles, this type of mold is often hyped as toxic. While some variations can produce toxins, one can’t determine if mycotoxins are present just by looking at. Even if the mold looks black, that doesn’t necessary indicate the type of mold it is. It does indicate that it is time for mold cleanup.
How Can I Avoid Black Mold?
Prevention is the key to any kind of mold forming. These fungi loves damp, stable environments with bountiful nutrients. The following tips may help you avoid needing mold remediation:
- Monitor areas prone to dampness. Look for persistent water stains, leaks and condensation areas that may attract mold.
- If you find a damp area, immediately dry it since mold needs moisture to grow,
- Efficient ventilation will keep air flowing properly throughout the business. This can help keep particles from building up that could become a mold habitat.
- Humidity is a key culprit. Maintain moderate humidity levels.
- Make regular maintenance and inspections a priority. From HVAC to gutter cleanings, these can deter spores from finding a new home.
While regular inspections and maintenance can deter the appearance of mold, sometimes things happen. If you do find mold and are worried that you may have black mold, contact a trusted professional.
Boarding Up After a Disaster
Board up in Park Meadows, CO
It’s happened – your beautiful home has been struck by a disaster. Many people feel a brief exhilaration at having survived, only to suffer a major crash when they realize the extent of the damage. At times like this, you may want to give up and walk away, leaving everything for the insurance claim.
However, now is a critical time to be proactive! You should immediately take all reasonable steps to protect repairable portions, whether fire damage, natural disaster or all other forms of catastrophe. Now is an excellent time to board up the savable areas. Indeed, it may be required by your insurance company in Park Meadows, CO!
Protect Your Investment
Using a professional emergency board up service has numerous advantages, including
- Proof to insurance companies of compliance.
- Preventing further damage from elements.
- Preventing theft.
- Reducing liability from 3rd party injuries.
A significantly damaged home is like an amusement park for lookie-loos. Some folks who would never consider trespassing just can’t resist the temptation of wandering around your property, gawking at the complete disruption to your life. When you board up your home, you make it too much trouble for casual entrance as well as demonstrate that the home is actively being cared for.
Why Using an Experienced Restoration Company Is Ideal
Damaged structures are amazingly dangerous. People have been seriously injured or killed by trusting areas that look like they will support them and then falling through. There are nails and all manner of items that are almost eager to cut and puncture your skin.
Professionals not only take this risk for you, they are more familiar with the hazards and can often avoid them. Also, a board up is at least a two-person job and is very physical. Cheap materials may fail when exposed to weathering, so the pros know what to use. And if the boards or tarps aren’t fastened correctly, they can either fly off or cause damage if attached to items they aren’t supposed to be.
3 Things to Avoid Doing After a Home Flood
Stay away from standing water after a flood
3 Things to Avoid Doing After a Home Flood
After your home in Southglenn, CO, has been flooded, there a number of steps you need to take to prevent further damage to your living space as a result of excess flood water. Exercising maximum caution after a flood is crucial in order to ensure that your home returns to its normal state as soon as possible. Here are some of the things you should avoid doing immediately after a flood targets your home.
1. Wearing Normal Clothing
Making sure that you’re dressed in protective clothing while in a flooded area is vital. Some practical articles of clothing to put on after a flood include:
- Knee-high rubber boots
- Gloves (when handling wet items)
- Protective head cover (e.g. soft hat)
- Lightweight clothing
These items can help you navigate your flooded home with more protection. However, it is highly recommended to contact a professional who can safely restore your home from water damage.
2. Approaching Standing Water
In the aftermath of a flood, it’s important to stay as far away from standing water as possible. There are a number of reasons why it is generally not a good idea to get too close to standing water. First of all, it may be located too close to fallen power lines. Moreover, if the flood water comes into direct contact with the downed power lines, then the water may become electrically charged. Try to avoid any signs of standing water if you can.
3. Not Looking Out for Mold
Mold tends to crop up in warm and humid areas, and a flood fosters this type of environment. After your home has become flooded, be sure to keep an eye out for any traces of mold that may be hiding throughout your space. If you do come across any signs of the substance, it’s best to call a specialist to remediate the mold issue.
Taking these steps is crucial after flood water has caused damage to your home. The faster you contact water damage restoration professionals, the faster things can return to normal.