Why Are Water Leaks Common Business Losses?
Recognizing the risks posed by damaged pipes can help business owners limit losses.
Most structures built to code have plumbing and roofs. These elements are involved in the most common causes of water damage. A leak may originate from damaged pipes or roof damage. Find out more about the potential effects of leaks and ways to prevent or limit water damage.
The Extent of Water Losses
Water losses are usually not limited to a single portion of a structure. Leaking pipes or roof damage can affect a wide range of building materials and contents:
Exposure to contaminated water can ruin porous building materials and contents. These materials may need to be torn out and replaced to reduce the risk of mold growth. Non-porous materials may be cleaned and disinfected.
Primary and Secondary Damage
In addition to the damage directly caused by damaged pipes or a leaky roof, secondary damage may also occur. The risk of the following factors increases the longer that water damage is left standing in a structure:
• Insect infestation
All of these types of damage are considered secondary. This damage is not caused by the original incident, but by conditions that have not been mitigated.
Preventing Water Damage
A building or business owner can limit losses due to water damage by arranging for regular inspections and preventative maintenance. It is important to monitor the condition of pipes and roofing, as these are the most common sources of leaks. If the roof or plumbing in a building are old or damaged, preventative maintenance may be less costly than mitigating and restoring water damage.
Recognizing the risks posed by damaged pipes or a leaky roof can help the owner of a building or business limit losses. If water damage or flooding occurs at a building in Glendale, CO, the owner should contact the commercial property insurance provider and a water damage mitigation and restoration service.
Changes in General Liability Insurance Regarding Sick Buildings
Contact your insurance company and discuss the coming changes when submitting mold claims.
Be Aware Of The Changes In General Liability Coverage And Terms Often Used To Exclude Mold Claims.
An increase in mold insurance claims and litigation has led to changes in most commercial general liability policies over the years. Primarily, these changes have been instituted to reduce premiums and eliminate most mold coverage. Typically, these issues are grouped in with sick structure exposures, a term used to describe normal business risks and contractor responsibility. As a commercial operator, you should be aware of the changes in general liability coverage, and terms often used to exclude mold claims.
1. Pollution Exclusion
Most insurers will view a mold claim as an environmental or toxic tort claim, meaning that mold falls under the pollution exclusion. While there are arguments to be made about the validity of mold as a pollutant under the standard definitions, there is currently no dissenting or judicial opinion as to the applicability of the exclusion for the claims.
2. Business Risk
Many mold insurance claims are rejected because they are deemed a business risk issue, meaning that the fungus is a result of poor quality or craftsmanship. These exclusions lay the blame on property owners or contractors, and stipulate that the responsibility for repair is theirs.
3. Fungi or Bacteria Exclusion Endorsement
The Fungi or Bacteria Exclusion Endorsement is an amendment to many commercial general liability policies. This endorsement excludes the costs associated with mold cleanup and remediation. It also eliminates personal injury.
4. Limited Fungi and Bacteria Coverage Endorsement
While most policy changes have meant bad news for mold claims, the Limited Fungi and Bacteria Coverage Endorsement means that property owners may have some relief from mitigation costs. This endorsement may cover some of the expenses associated with mold remediation in the Glendale, CO, area. However, the aggregate limit is likely lower than previously offered.
Before submitting mold insurance claims, review your policy and take note of any of the above changes. While insurers are looking for ways to reduce exposure to fungi and bacteria demands, there may still be endorsements that can help. Reach out to your insurance company and discuss the coming changes and your concerns.
From Disaster to Development: Community Emergency Recovery
SERVPRO is ready to roll out to a home that has been damaged by storms
When a community is hit by a disaster, the effects are immediate and long-lasting. The quick response of the media and short-term relief volunteer crews are vital for providing basic needs and first aid. However, many elements of catastrophic loss are long-term problems. Immediate response activities include:
- Search and rescue
- Emergency relief
- Early population recovery
Of the three, early recovery is most likely to require the services of a catastrophic loss and recovery crew with technicians skilled in water damage repair, general reconstruction, fire and smoke restoration, and similar skills.
Establishing Places to Live, Work, and Learn
Transitional shelters provide places for community members to get food and water, as well as protection from the elements. These shelters provide escape from flooding-damaged homes and create temporary homes, so the affected population can return to work and school routines as soon as possible. With these structures in place, recovery construction professionals can turn their attention to medium- and long-term recovery efforts.
Moving From Relief to Development
This is the time for communities to focus their efforts on rebuilding physical structures:
- Renovating homes to replace tents and trailers
- Restoring businesses and public facilities
- Cleaning up outdoor structures
- Reconstructing and improving existing infrastructure
During the period of long-term recovery, restoration technicians hold multiple roles, working closely with government officials, private citizens, business owners, and insurance companies. In many communities, this is also a time of further development efforts. For example, a park that has been impacted by storm damage may now see increased planting and new play structures. Private home and business owners may take similar actions on their properties.
Looking to the Future
If North Park Hill, CO, were to be affected by catastrophic loss due to storm damage, flooding, and other natural disasters, it's reassuring to know that recovery and reconstruction teams are trained, equipped, and ready to move into the area. The cooperative efforts of these teams can transform disaster-affected areas to stable neighborhoods with renewed interest in community development.
Chemical Drain Cleaners: Should You Use Them?
Clogged drain in a Congress Park, CO home
Chemical Drain Cleaners
Most people, when dealing with a clogged drain, will go out and purchase a chemical drain cleaner from their local big box store. While this is standard practice, are you actually resolving the issue or compounding it? For more modern homes with updated plumbing, these cleaners may be OK, but for older homes, the chemicals in these cleaners may create more problems.
1. Older Metal Pipes
If a pipe is completely clogged when you pour drain cleaners into the drain, then that cleaner will buildup at the clog and settle in. For newer pipes, this is not a significant issue, but for older metal pipes that are thinner and less resilient, these cleaners can begin to eat away at the metal, breaking it down even more than it was and potentially leading to leaks and breaks.
2. Plastic Pipes
Chemical cleaners help clear a clogged drain through a process that heats the clog, essentially melting any grease or grime so that it flows freely through the pipe. For plastic pipes, this chemical reaction can cause the pipe to melt and deform. Therefore, these types of cleaners should rarely, if ever, be used.
3. Complete Blockage
Again, cleaners are useful in partial blockages, but should not be used in complete blockages. The chemical reaction required to melt away a clog can be damaging to all types of piping. If you suspect that your drain is completely blocked, then use an alternative to chemicals.
4. Alternatives to Chemicals
Chemical cleaners are not your only option for clogs. You can use a drain auger or snake, which is a tool with a cleaning or clearing head attached to a long cable stored in a drum. You push the snake through the drain until you reach the blockage, and then, turning the handle, work your way through the clog. However, if you are more interested in sewage cleaning or have a clog that is especially difficult, you can call a plumbing specialist in the Congress Park, CO, area.
A clogged drain is a nuisance, but chemical cleaners may not be your solution. Consider the age of your home and plumbing materials before using any chemical cleaners.
House Mold: Types and Solutions
Mold Containment to prevent the spread of spores throughout the home
Mold growth is typical in a variety of climates and homes. There is no shame in having experienced these types of problems. However, while not uncommon, mold comes in all shapes, sizes and species, and it can be beneficial to understand the kinds of household molds and how to prevent or treat them, ensuring a safe and clean living environment for you and your family.
1. Food Mold
Food mold is likely the most common type of mold, and most people experience it as bread mold. You may look in your bread drawer one day, and everything is fine, but the very next day you see areas of green and black blotches on some of the pieces. This type of growth is natural and likely unrelated to any particular underlying problems in your home.
2. Surface Mold
Another common type of house mold is surface mold. As the name implies, the mold growth is restricted to the surface of an object. This type of mold may be remedied quite easily by using certain over-the-counter cleaners. However, it is essential to make sure that the mold issue is indeed surface and does not penetrate the drywall or framing.
3. Mold Infestations
A mold infestation typically occurs in areas with significant water damage or spaces with high humidity levels. Unfortunately, a problem like this usually requires deep penetration of the structure to ensure that the area is clear of the infestation before restoration.
4. Mold Remediation
Whether you only suspect a problem or have the water damage to prove one, it is beneficial to call a mold remediation specialist in the Hampden, CO, area. Mold can be invasive and dangerous. Specialists are certified and capable of remedying your problem quickly and efficiently without risking the safety of you or your family.
Mold growth is common in homes, and while food mold and surface mold are relatively simple and easy fixes, mold infestations can be dangerous and present a more substantial risk to the integrity of your home. When dealing with large mold problems, it is likely best to hire a professional.
What is Pretesting? 3 Facts for Homeowners Facing Storm Damage Cleanup
Storm waters enter home in Denver, CO
What is Pretesting?
The aftermath of a Denver, CO, storm can leave you with severe damage to your home. Flooding is especially troublesome, as it can affect building materials, electrical systems and valuables. Gauging the total cost of repairs can be difficult, especially when it comes to filing a claim with your insurance company. Having a storm damage and restoration service perform pretesting can lower the cost of your claim, and there are a few facts you can keep in mind that may help you better understand the process.
1. A Pretest Can Gauge Water Condition
Not all flooding is the same, and the condition of the water can greatly affect the cost of cleanup and your insurance claim. A pretest allows flood damage technicians to grade the quality of the flood waters and estimate what will be involved in the restoration. For example, if the flood is the result of a burst kitchen pipe, the water comes from a sanitary source and will likely not cause as much damage as water that comes from an overflowing toilet or outdoor flooding.
2. Cost Estimations Can Be Made More Accurately
Pretesting damaged items can lower insurance claim costs by letting restoration technicians know whether clothing, documents and other objects can be repaired or if they must be declared a total loss. Detailed estimations can result in a more efficient filing process, which might help you recover faster.
A pretest of certain items can help you understand which restoration options are available, as well as the cost of each. Technicians from a flood damage and remediation service could also forward this information to your insurance agent so you all remain on the same page as far as being able to lower the total cost of the claim.
When storms and flooding strike Denver, CO, you may be left with damage to your home and belongings. Pretesting can be one of the best options for evaluating affected items and helping you lower the amount on your insurance statement.
The Top 3 Tips To Prepare Your Business for a Disaster
Disaster preparedness is crucial for business owners in Glendale, CO.
Prepare Your Business For A Disaster
When you imagined owning a business in Glendale, CO disaster preparedness was likely the last thing to cross your mind. However, the fantasy and reality of entrepreneurship are not always the same. In the world of corporate America, business preparedness can mean the difference between success and failure. Here are the top three tips to protect your livelihood in the unfortunate event of a disaster:
1. Protect your employees.
In an emergency, safety takes priority. Take steps in advance to optimize the well-being of staff and customers when the unexpected strikes. First, communicate crisis procedures verbally and in writing with employees. Second, practice evacuation and shelter-in place practices with your team. Third, maintain disaster kits that include items such as bottled water, first aid and flashlights.
2. Arrange for business continuity.
After a tropical storm or other destructive weather event, restoration professionals work to return your business to preloss condition. During this time, you may not be able to operate from the premises. A good disaster preparedness plan includes backing up data and housing copies of important documents easily accessible off-site. These include customer information, inventory, insurance policies, employee records and financial papers.
3. Safeguard your commercial property and inventory.
Protect your investment by ensuring you have the proper insurance coverage. For example, not all general policies include flood damage. Business interruption insurance is also commonly offered as an add-on option. When a storm is looming, take precautions such as boarding windows, securing furniture and moving valuables to a safe location.
Disaster preparedness is crucial for business owners in Glendale, CO. Proper planning protects your employees, commercial property and inventory in a weather catastrophe. Maintain relevant insurance and back up important financial documents off-site in the event your building is not accessible. This level of business preparedness allows you to run your business in an alternate location, while the restoration company focuses on repairing the storm damage to looking “Like it never even happened."
Why It Is Important To Keep Your Microwave Clean
A microwave is a convenient and effective way to quickly prepare foods and free up time for other activities. But sometimes, food debris, residue and odors can make it far from pleasant to cook your meals. Bacon explodes, butter splashes and greasy or sugary foods left too long can burn and fill the oven with a putrid smoke smell. Your home in Glendale, CO, deserves to smell of good food when you are cooking, not yesterday’s failure. So how do you keep your cooker fresh and odor free? Here are some ways to do it.
When Your Microwave Oven Needs Freshening
- Regularly clean the grease filter by soaking in hot water and dish soap to loosen grease and debris. Rinse thoroughly, dry and replace the filter.
- Frequently change the charcoal filter to remove any residual food or smoke smell.
- Do an overall cleaning on the interior and the vent grill. Place a half cup of water with two tablespoons of white vinegar in the oven and cook on high for 4 minutes. Allow it to sit for fifteen minutes to loosen food splatters and spills. Wipe clean with a soapy cloth, rinse and dry with a paper towel. A removable glass turntable can be placed in the dishwasher.
When Cleaning Fails to Remove the Odors
Sometimes an over-the-range-cooker is exposed to burned food, especially involving greasy foods. If you can’t get the smoke odor, but it is otherwise in good condition, restoration specialists in Glendale, CO, can help with odor removal and unhealthy residue. The same is true for a countertop model, with the same tips for cleaning and maintenance. Be sure to consult your owner’s manual for additional instructions.
An over-the-range unit is expensive to buy and a shame to replace because of a smoke smell. But with a little care, and proper maintenance it can last a good long time and help you create happy food memories.
Banishing Shower Mold – 3 Handy Tips
Pink or black spots on your shower curtain is a sign of fungus growth
Black mold anywhere in your home is bad news, but it can be particularly troubling in your shower. After all, nobody wants to imagine moldy organisms growing in the very place where one cleans off! The bright side is the black stuff is not something you have to just live with. If you’re looking for tips to banish bathroom and shower mold in your Hampden, CO, home read on.
Reviewing Bathroom Mold
In general, mold tends to thrive in places that are dark and wet, making the bathroom, which is typically dark most of the day and often full of water or steam, the perfect environment. Other things that make a bathroom a mold magnet include:
- Improper ventilation
- Broken grout
- Repeated exposure to water (i.e., shower curtains)
Now you know some of the causes for black mold. Here are a few ways to clear it up.
Remove Your Caulking
The caulk sealing up your shower is one of the easiest places for shower mold to thrive. Water can get into little crevices that appear in caulk as it ages. Those wet, dark crevices are perfect for mold. Fortunately, removing caulk is as easy as peeling it away and applying new caulk from a hardware store.
Re-grout Your Tiles
Mold especially loves to grow on grout, which cracks and becomes more porous as it ages. Unlike re-caulking, replacing grout is a more labor-intensive process that’s best left to professionals who can spot issues behind the grout and ensure the best, mold-preventative seal.
Replace Your Shower Curtain
Many tutorials provide homemade mixtures for cleaning mold from shower curtains. But for the best result, you may want to just toss shower curtains out periodically. Problem solved.
Shower mold is nothing to sniff at. It’s unsightly and can cause health problems. Use these tips or hire a mold remediation company to get the black stuff out and your bathroom spic and span.
Do You Know How To Spot Toilet Problems?
Water damage in a Denver, CO home due to a leaking toilet
Your home’s toilets are a bit strange. While you likely use your toilets every day, you also probably don’t like to think much about them. Even though bathroom fixtures in your Denver, CO, home can be easy to forget, you don’t want to ignore a leaking toilet. By understanding some common causes of toilet problems, you increase your chances of the sort of long-term damage that comes from a bathroom leak.
Common Toilet Problems
To function properly, your toilet takes in clean water and flushes away waste. Because the system is simple, problems are usually easy to identify. If you notice any of the following, your toilet may require some repairs:
- Failure to flush
- Failure to fill
Causes of Toilet Problems
Often, the cause of a leaking toilet falls into one of two categories. First, you may have a dry wax ring. Your toilet relies on a wax ring to form a water-tight seal between the fixture and your plumbing system. Unfortunately, rings can dry out, causing the seal to crack. If it does, water may seep onto your bathroom floor.
Alternatively, your bathroom leak may be due to the tank flange. If the flange is not tight, water may not stay where the toilet’s designers wanted it to stay. Often, tightening the flange is the best way to stop your toilet from leaking.
Fixing Toilet Problems
Before you can repair your toilet, you must be certain you minimize the negative effects of a leak. If you catch the problem early, you can likely wipe away accumulated water. If the leak has persisted for a while, however, you may need a professional flood-mitigation service to help you contain mold growth, clean soiled items and repair damaged surfaces.
As you probably know, ignoring a leaking toilet is a recipe for disaster. Fortunately, the cause of your toilet problem is probably easy to identify. With a bit of work, you can likely return your bathroom to its pre-leak condition.