Recent Posts

How a Winter Storm Can Damage Your Home

5/16/2022 (Permalink)

Man removing snow from roof with a rake Remove snow from the roof as soon as you can.

The Effects of a Winter Storm on Your Home

A winter storm at University Of Denver, CO, can damage your home in multiple ways. Wind, snow, rain and cold temperatures can negatively affect various areas of your house, but there are steps you can take to minimize the impact. Take care to prepare for the following situations.

1. Roof Damage
Snow and ice can damage your roof in a couple of ways. Piled-up snow can put too much weight on your roof, potentially causing it to collapse. Snow that melts and refreezes into ice can also create an ice dam. This makes it difficult for water to drain from the roof, causing water to leak into the ceiling underneath. To prevent these problems, remove snow from the roof as soon as you can.

2. Broken Windows
During a blizzard, strong winds can pick up debris and other objects in your yard. If they hit the building, these items can damage the outside of your house and may shatter some windows. If you are expecting a storm, clean your yard and remove or secure any furniture or other objects light enough to be carried by the wind. If there are nearby trees, consider trimming their branches as well.

3. Bursting Pipes
When the temperature drops during a winter storm, cold temperatures can freeze water inside your pipes. The expanding water can cause the pipes to burst and flood your home. Keeping the heat on or insulating exposed pipes can help prevent this from happening. Open cabinets with pipes inside to allow the air to circulate and keep the temperature consistent.
If your home is damaged during a winter storm, professionals can perform emergency restoration to return your home to its previous condition. However, preparing beforehand can save time and money. If you are expecting bad weather, take the necessary steps to get your home ready.

What Is Category 1 Water Damage?

4/26/2022 (Permalink)

Wet carpet floor, content have been placed on top of tables Commercial water damage in Glendale, CO.

What Is Water Damage in Category 1?

Water damage is categorized in different ways based on the cleanliness of the water and what contaminants it may contain. Category 1 is considered clean water.

Sources
There are several potential sources of category 1 water:

  • Supply line: broken pipe
  • Overflow: sinks or bathtubs
  • Toilets: broken tank
  • Environmental: rain, snow or ice

Damage
Since category 1 is clean water, it will not contaminate things it touches with any harmful microorganisms. Therefore, most items damaged in the flood can able be salvaged by simply drying and cleaning them. However, any type of water can cause mold growth. Mold grows in wet or moist areas, so if the flooding is not properly dried and treated, you could develop a mold problem. Fluid and mold can also deteriorate building materials, such as wood, and cause structural damage. A water damage restoration service in Glendale, CO, can dry the area, clean it with antibacterial sprays to prevent mold growth and check for structural damage.

Cleaning and Drying
Water is an excellent conductor of electricity, meaning contact with water that is touching any part of an electrical circuit can result in electrocution. You should turn off the power in the flooded area before attempting to clean the fluid.
Once the electricity is turned off, you should remove items the water has touched and move them to a place where they can dry. You should then open windows and doors to help dry the area. You can then begin soaking up the water with towels or using a pump to remove the water depending on the extent of the flooding. Once you have removed most of the liquid, you can plug in fans to help dry the area faster. Lastly, you should have a professional treat the area for mold growth.
Category 1 is considered clean water and typically results in less damage than categories 2 and 3. If you know the right cleaning procedures, you can minimize damage and salvage most items that come into contact with the water.

The Complicated World of Mold Insurance Claims

4/11/2022 (Permalink)

Black mold growth in the bottom of a wall A professional mold mitigation franchise is your best protection against a fungal outbreak.

Mold Insurance Claims

You can count on commercial insurance to cover your business in Cheesman Park, CO, in the case of many perils. When it comes to mold insurance claims, though, there are several unknowns and gray areas. This isn't too unusual in the insurance industry, but it can be even more complicated when dealing with mold. For this reason, it is always in your best interest to speak in-depth with your insurance agent. Most policies have a fungus exclusion, which rules out coverage and payments, but there is also a thing called limited fungus coverage. This typically does provide some money to business owners for fungus damage, repair and repair under specified and named conditions.

Company Responsibility

There are several situations that are pretty clear when it comes to mold insurance claims. If you have acted negligently or improperly in maintaining your property, the insurance company is unlikely to honor a claim. This can take many forms:

  • Failure to maintain an adequate roof system
  • Failure to repair leaks
  • Incompetence in cleaning up after a flood
  • Failure to act on repairs in a timely fashion

In other words, if your company could have done something to limit damages and did not, and this inaction resulted in mold damage, the insurance provider will deny a mold claim. If you find mold on your property, it is crucial to take swift, appropriate action.

Mold Remediation

A professional mold mitigation franchise is your best protection against a fungal outbreak. A SERVPRO team is Faster to Any Size Disaster and they will come to your facility in a matter of hours. Trained technicians will work to stop and remove any standing water in the building, often the cause of mold growth, and they will take action to contain the spread of microscopic mold spores. The rest of the process includes removal, cleaning and restoration of damages. The franchise, experienced with mold insurance claims, will help document any damages and repair costs to speed up the claims process.

How a Commercial Generator Works and How to Prevent Problems

4/5/2022 (Permalink)

Commercial power generator Some knowledge is all it takes to keep a generator in tip-top shape.

How a Commercial Generator Works

Does your building in North Park Hill, CO, have a commercial generator installed? Are you suffering from generator problems? Some basic info on how these devices work is the difference between success and frustration.

1. Engine and Fuel System

As you might already know, generators don't directly produce electrical energy. They instead convert mechanical or chemical energy into electrical energy. This is done by using the power of movement and forcing electrons through an electrical circuit. For a generator to produce this mechanical or chemical energy inside the engine, it needs a fuel system. There are several parts that all work together to keep the fuel clean, pressurized, and moving through the system properly.

2. Alternator

You also have one of these devices in your vehicle, and it serves the same function: to convert mechanical energy to electrical energy. Oh yes, the engine doesn't do all the work. The alternator works by creating an electromagnetic field to generate electricity. This is all possible because of the movement power generated by the engine.

3. Cooling, Exhaust, and Lubrication

Following the vehicle model here, too, a generator also produces a lot of heat as a car would. To combat this, the small moving parts are all lubricated with oil to allow smooth functioning and slow wear and tear. The cooling system monitors how much heat is being generated and regulates the warning systems. It also tells the exhaust system what quantity of fumes should be expelled as well as when to do so.

4. Preventing Problems

Most problems are preventable with proper care and maintenance of your building's generator. For example, checking the lubrication levels every eight hours of operation prevents the most common wear and tear issues. Similarly, keeping an eye out for any warnings on the control panel helps alert you ahead of time if anything is wrong. If your generator and building are damaged in a storm, it's best to call in maintenance professional as well as any storm cleanup services you might need.
Some knowledge is all it takes to keep a generator in tip-top shape.

5 Steps to File a Claim After a Fire

3/31/2022 (Permalink)

Fire department, furniture moved in living room Fire damage in a Congress Park, CO home.

After a Fire, There Are Five Steps To Filing a Claim

A house fire can be a very traumatic event, and you may find it difficult to know what you should do in the immediate aftermath. One of your first moves should be to file an insurance claim as soon as possible. If your home in Congress Park, CO, has been damaged in a fire, there are some important steps you can take to help you deal with your homeowner’s insurance company successfully and help you begin the fire restoration process.

1. Contact Your Insurance Provider

Once the flames have been put out, it’s imperative that you contact your fire insurance company immediately, preferably within 24 hours. If you received a fire incident report from emergency responders, have it available.

2. Don’t Touch or Remove Items

While your first instinct may be to take personal items or salvageable belongings out of the house, this could actually hinder the claims process, which can also lengthen the time it takes for fire restoration to begin. You may be tempted to start smoke cleaning procedures, as well, but it’s best to wait until your insurance company gives you the go ahead. Depending on your policy, you may be required to allow an adjuster to survey the home in the exact condition it was left after the fire.

3. Secure the Property

Most insurance companies require that you take steps to prevent further damage from occurring. This may include boarding broken windows or placing tarps over the roof to stop potential leaks.

4. Take Inventory

Take photographs of the property to be compared with any pictures you may have of your home before the fire took place. Make a detailed inventory list that includes both damaged and undamaged belongings.

5. Track Communication

Throughout your claim process, keep detailed notes on any conversations you have with representatives from your insurance policy provider. Hold on to copies of any emails or other correspondence that takes place.

Following these steps can ensure that your insurance claim is resolved quickly and smoothly, allowing your clean-up and restoration specialist to get to work on your home’s fire restoration as soon as possible.

Beware of Fire Damage Not Covered by Insurance

3/23/2022 (Permalink)

Four men repairing the ceiling of a building after a fire damage Commercial fire restoration in Hampden, CO.

Watch Out For Fire Damage That Isn't Covered by Insurance

There are many types of fires that can destroy your commercial building, and some of them are probably covered under your insurance policy. However, fire damage can result from different types of special circumstances, so an insurance adjuster is often sent to evaluate the scene and determine if your building is covered. Understanding the fire exclusions in most insurance policies can help you prevent your Hampden, CO, property from incurring those types of damages.

Unusual Circumstances

Many commercial fires result from unusual circumstances, and some of those are covered under most standard policies. This can include events caused by some of the following:

  • Electrical malfunctions
  • Lightning strikes
  • Defective machines

If the source of the fire is determined to be unintentional, the fire damage will probably be covered, and that is good news for the commercial building or property owner.

Coverage Exclusions

Commercial policies often provide separate coverage for the building and business within. For this reason, property owners may be surprised that part of the building and surroundings are often not included in the standard insurance coverage. Here are a few examples of common exclusions:

  • Vehicles, even in parking garages
  • Pavement, sidewalks and parking lots
  • Foundations, including substructures
  • Walls, except as part of the building

Separate policies are available for each of these exclusions, and property owners can purchase the endorsements in almost all areas of the country.

Purposeful Destruction

Another exclusion is arson. A claim for damage resulting from someone intentionally setting a blaze inside the building will almost always be denied, and depending on the circumstances, may also be prosecuted.

If you want to protect your commercial building from fire damage, call in a fire mitigation expert to examine the property and look for possible problems. You can also contact your insurance agent about additions or endorsements to the policy to cover more of your property after a fire. Protecting yourself against a possible destructive fire in a proactive way can help prevent future loss.

Understanding Water Damage Coverage for Your Commercial Property

3/7/2022 (Permalink)

Drying equipment placed in a long hallway of a school Commercial water mitigation in Denver, CO.

Water Damage Coverage for Your Commercial Property: What You Need to Know

Whether you own a commercial property for your business or you’re a landlord to businesses, it’s your responsibility to have property insurance to cover damages. Damage from fire, smoke and water are just a few examples of the type of losses that your policy may cover with certain conditions. Water damage from flooding, a pipe break or an improperly functioning appliance can result in major losses for you or the tenants renting from you in Denver, CO. The bad news is that not all damage from water is considered equal by insurers. For example, a sudden break from a broken water heater might be covered by most policies, while a slow water leak isn’t.

Covering Your Property

It’s important to recognize which types of water damage are covered by your property insurance. The following types of damage are not typically protected:

  • Sewer or sump pump backup
  • Slow water leak
  • Frozen pipe leak

In the case of a sewer or pump backup, it’s possible to purchase additional coverage that addresses that particular issue. You may be alerted to the presence of a slow water leak by an increased water bill. Your insurer may cover damages from a frozen pipe break if you can prove that it occurred due to a sudden event such as a power outage. You’ll need to go over your policy and talk to a provider if additional or tailored coverage is needed.

Cleaning up the Damage

Water cleanup should be handled by providers of commercial building restoration services. They are best equipped to fully repair and restore affected items as well as the structure. They can also minimize the time it takes to get your property back to pre-damage conditions.
When you’re dealing with damage from water, it’s important to contact the professionals quickly. Before that happens, make sure you’re familiar with what is and isn’t covered by your insurance. Talk to your provider if your current coverage is inadequate.

Three Things to Avoid After Experiencing Water Damage to Your Home

2/21/2022 (Permalink)

A home with water damage in its wall by a pipe break This home suffered water damage from a pipe break in the wall. The drywall was damaged, but we restored it back to normal condition. Call us!

Three Things To Stay Away From If Your House Has Been Flooded

If a storm or broken pipe has caused water damage in your Glendale, CO home, you may be at a loss for what to do next. While it may be stressful, you don’t need to panic. There are services that can help you deal with the situation. Aside from panic, here are a few other things you should avoid in the event of water damage.

1. Waiting to Call Your Insurance Agent

One of the first things that you should do in any home emergency is to call your insurance agent. In order to get the most from an insurance claim, you should avoid waiting too long to report the flooding or other damage. It is best to get the process started as quickly as possible, so you should make the call as soon as you are in a safe place, if the damage is severe enough to require relocation.

2. Letting the Water Sit

While you may not be able to take care of the damage completely, if water in the home is left alone, the damage will continue to worsen and may cause walls or floors to become warped. It can also make it easier for a mold growth to develop. There are some things, such as blocking off other areas of the house or placing tarps on damaged windows, that you can do as a temporary measure to keep water from spreading.

3. Attempt to Make Repairs Alone

Once you have reported the damage to your agent, they may recommend a water damage remediation service to take care of the damage. They can further remediate your home to prevent damage while they make repairs to the broken pipe or other sources of water. They can also help to save any of your belongings that are not beyond repair.
If you have water damage from a broken pipe or other problem, keep this advice in mind. It will allow you to take the necessary steps to reduce home damage and get the most from your insurance claim.

What to Know About What Fire Insurance May Not Cover

2/21/2022 (Permalink)

businessman present insurance concept with house on fire An intentionally started home fire is also known as arson. This is a type of insurance fraud that insurance companies take very seriously.

What You Should Know About Fire Insurance Exclusions

If you’ve been through a home fire in Denver, CO, then you may be worried about what your insurance policy will cover. In most cases insurance policies will cover fire damage and restoration. However, if the home is vacant, or the fire was started intentionally, you could be out of luck. Here’s what you should know.

1. About Vacant Home Fires

Insurance companies may not cover a vacant home fire. This is often determined by if no one has lived in the house in over a month. There is good news though. Many insurance companies offer a separate vacant home insurance policy for just this type of scenario. If you have a seasonal home, or will otherwise be away for a long period of time, you can purchase one of these plans to help ensure your home is covered.

2. About Intentionally Started Fires

An intentionally started home fire is also known as arson. This is a type of insurance fraud that insurance companies take very seriously. In many cases when you make a fire claim for your home your insurance company will arrange for an investigator to determine the fire source. Once it’s determined that the fire was accidental, the insurance company can begin processing the claim.

3. About What May Be Covered

If your house fire does not fall under one of the above categories, odds are the plan will cover the damage. Your insurance agent can tell you what’s in your plan and help you take the necessary steps for restoration. In some cases, they may even be able to recommend a fire damage professional to help with cleanup and repairs.

Unless the home was vacant or the fire started intentionally, your home fire should be covered by your policy. It’s important to talk to your agent about what exactly is included, and follow any recommended steps they may have for you.

4 Tips on Conducting an Emergency Fire Drill at Work

2/21/2022 (Permalink)

This is Not a Drill 3d words next to fire alarm to warn of an urgent emergency Conducting a disaster preparedness fire drill at work can keep employees from becoming overwhelmed during a crisis

When Practicing An Emergency Fire Drill At Work, There Are Four Things To Keep In Mind.

Unexpected emergencies can creep up on anyone at any time, even at work. Fires can be one of the most feared dangers because of the smoke, flames, and inability to see. That is why many business owners choose to have a fire drill in place for their employees. Once the drill is in place, employees can be certain of their escape route, which will aid in almost any other possible emergencies as well, such as windstorms, tornadoes, or gas leaks. Here are five steps to help you create a safety drill in Congress Park, CO.

1. Alarms should be distinct. Alarms should also be connected to an auxiliary power source. Make sure the sound of the alarm can be heard throughout the building, including the restrooms and breakrooms. Also, test alarms monthly and replace batteries twice a year. When beginning the drill, use the alarm to familiarize employees with the sound.

2. Give emergency action plan information to all employees. The plan should include an escape route, designated meeting area outside the building, and special safety instructions. Also, consider offering a short presentation once a year on fire drill strategies and ask for employee input.

3. The evacuation route should be tailored to your employee’s needs. The path should be free of debris and allow everyone to exit the building easily. If you employ a disabled individual, the route should accommodate his or her needs as well. Once the path has been established, post signs along the exit walls.

4. Appoint a safety committee to perform a disaster drill monthly. After each drill, management and committee members may consider meeting to discuss concerns about the effectiveness of the drill. This allows you to revise your emergency action plan as needed and contact professionals with any questions that arise.

Conducting a disaster preparedness fire drill at work can keep employees from becoming overwhelmed during a crisis. By using the four steps listed above, you can make sure that if a disaster hits Congress Park, CO, your employees know what to do.