Questions to Ask Your Contractor During Water Mitigation

If you have recently sustained a water disaster in your property, it is important to be prepared to deal with your insurance agent and your professional water mitigation technician. Understanding your insurance coverage and knowing what questions to ask your contractor is the key to protecting your home in this situation.

When you select a professional, make sure to ask these important questions:

– Is your company certified by the Clean Trust, or Institute of Inspection, Cleaning, and Restoration Certification (IICRC)?

This is a nonprofit agency that services over 25 countries, and they set the standard for water damage restoration, while ensuring that the technicians that they certify are experienced and quality professionals.

– Are the technicians who are performing the work certified by the IICRC? Do they have mitigation certification cards to show me?

When you verify that the company has an IICRC certification, they provide the technicians with Clean Trust patches and ID Cards, this shows that they are experienced and well versed to identify moisture sources and mold, contain and remove damage, and dry any wet materials.

– What drying system do you use? On a clean water loss, does it dry the structure quickly enough to eliminate the need for replacement?

Making sure that the professionals address the issue quickly is vital to preventing any further damage from occurring, as well as water contamination.

– What type of vacuums and water extraction equipment do you use?

You want to employ a company that has the latest technology in extraction equipment and vacuums, as this will ensure a quick recovery of your property.

– On a clean water loss, how do you know the carpeting has been thoroughly extracted of water?

If the water is not extracted and the surface completely dried in 12 to 24 hours, mold could begin to grow.

– What kind of air movers and dehumidifiers do you use?

Make sure that the company is using professional, high grade equipment, as it is critical in preventing mold and microorganism growth.

– How do you know how much drying equipment to leave at the job site?

The technicians should be using specialized moisture meters to determine the necessary equipment that should be brought to dry out the property.

– What types of meters do you use to test moisture in carpeting, sub flooring, wood, tile, and drywall?

It is important to use the latest technology for the best possible results.

– What type of documentation do you give the homeowner to prove that you’ve dried out the structure and that mold will not grow?

They should provide you with detailed documentation of the equipment that was used, what jobs were performed, moisture readings, test results, and photos should also be included as proof that the property is at pre-loss condition.

– How do you keep the unaffected areas separate from the affected areas?

The affected area should always be isolated, as it speeds up the drying process and prevents the spread of mold to other areas of the property.

These are also good questions to ask:

– Is my loss going to be covered?

That is only determinable by your insurance company after thorough investigation.

– Is there a deductible?

Amounts for a deductible vary, and usually, this will need to be paid directly to your contractor before the work commences.

– What is the mortgage company’s role?

The check that you receive from the insurance company requires both you and your lender to sign it in order to repair the property. Contact your lender for further instructions.

– What if my home is inhabitable?

Your rep from the insurance company can advise you about coverage for living expenses and help you locate temporary housing.

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Get More Information on the Scope of Your Homeowner’s Insurance against Natural Disasters

Most people find themselves at a great loss when Mother Nature strikes and unleashes a natural disaster. People have lost homes, lives, and personal property during such events, and it is important to buy homeowners insurance to cover you from such damage. There are many natural disasters that may occur, including flash floods, hurricanes,
earthquakes, fires. Etc. These are acts of nature that are completely beyond human control so the best thing to do is to insure your home, and personal property. When it comes to buying insurance against these natural events, it is important that you plan well, and ensure that you are comprehensively insured against any eventuality.

Do your due diligence and get information about the natural disasters that occur in your area. The Federal Emergency management Agency and the Red Cross, have information on their websites that shows the prevalent natural disasters in all geographic areas of the United States. With this information, you will not only plan in a manner to save lives, but also to be able to cope with the resultant damage. By ensuring that you have the right insurance cover, you will not have to face heavy losses irrespective of the damage that may be caused by the disaster. Your insurance cover will ensure that you are justly compensated for any damage or loss.

If you are not sure about the scope of your homeowner’s insurance cover, you can consult with a professional, who will guide you on the cover that you have bought. There are certain aspects that may not be covered in the main homeowner’s insurance cover, and you may have to get a separate cover for some disasters. For example, you may be covered for earthquakes, but not covered from any flooding that may occur during an earthquake, as water from nearby water masses are pushed onto dry land. You may have to buy a separate insurance cover for the flooding. Failure to do so may leave you facing losses brought about by such flooding.

Experts in the homeowner’s insurance industry may also give you information on how you can stabilize the structure of your home against prevalent natural disasters in your area, when it is being constructed. People living in areas that have tornadoes are instructed on home to weight down their homes, and build bunkers where they can hide during a tornado. People living in flood prone areas are instructed on how best to move personal belongings to high ground to minimize their losses. Make sure that you speak to the insurance experts in all aspects regarding the dangers of natural disasters in your area.

In summary, it is prudent to get homeowner’s insurance coverage, but you must go further and find out exactly what is protected by your policy. Sitting back and being decadent will only cost you more in the future if your home is struck by a disaster. With a comprehensive cover, which may cost you a whole lot more, you will be sure of getting a full coverage against damages from such events.

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How Should Property Owners Plan Before Hurricane Isaac Arrives

Floridians are currently distressed by the rapidly approaching Hurricane Isaac and need to begin taking protective action now. By rapidly following these few steps, you can safeguard your home and minimize the damage from this quickly approaching natural disaster.

First, removing anything on your property that is vulnerable to wind damage is a must. All freestanding objects in your back or front yard should be brought inside to a safe area and kept there until the hurricane has passed. Not only can objects be destroyed by leaving them outside during this hurricane, they can also be picked off the ground and cause even more damage to your household by flying into the house with strong force, breaking windows or possibly causing even more damage.
Also, you need to prepare to board up your windows with sturdy plywood before Isaac arrives to prevent any window damage to your home. By boarding up, you can be assured that your glass windows will be much better off and this will also prevent any windows from breaking and causing any outside debris to fly into the house and cause disaster inside.

Making sure that you have safety devices and a list of emergency contacts is a must. Before Isaac arrives, you need to stock up on non-perishable food products and essential survival tools such as flashlights and batteries. Purchasing a radio is essential because of the power outages that will most likely occur due to strong wings. It would also be wise to have a charged cell phone ready for use with emergency numbers in case anything takes a turn for the worst. By having your safety kit ready, you can minimize and damage that occurs to you or your home if anything is to actually happen.

Keeping your outside trees and shrubs trimmed and neat is actually another preventative step to protect your household. Flying branches and bark can be very damaging to your household siding and should therefore be completely trimmed before Isaac hits the area. Make sure that all of your household doors are securely locked with every lock being put to use in order to prevent a door from flying open and possibly damaging your household siding. Make sure that all garage and shed doors are locked as well to prevent those from being vulnerable to Isaac’s strong winds as well.

Keeping yourself safe and prepared during the approaching Hurricane Isaac is essential for the protection of your property. By taking these couple of steps and being prepared and ready for any possible risks brought on by this hurricane, you can minimize any damage to your household and protect your family during the storm.

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Hurricane Season 2012 Predictions – What’s in Store?

The 2011 hurricane season predicted 19 storms out of which 7 actually turned out to be hurricanes. The biggest one of them all was Hurricane Irene, said to be the most devastating in the last four years. It resulted in the financial damage running up to $19 billion in 2011, which also left 56 people dead. So what is in store for 2012?

Weather experts at NOAA (National Oceanic and Atmospheric Administration) said that though 2012 should have a near-normal season, there may be 9 to 15 names storms out of which 1 to 3 hurricanes may be of Category 3 strength, as indicated on the Saffir Simpson Hurricane scale.

Thought the Atlantic Hurricane Season started on June 1, 2012, one heard of thunderstorms and heavy rainfall in the non-tropical region offshore of South Carolina. As it grew into the stature of a tropical storm, the National Hurricane Center named the phenomenon ‘Alberto’. At around the same time, there was another tropical storm which goes by the name Aletta, developed in the Pacific. So, both Aletta and Arthur actually began the hurricane season in the Atlantic and Pacific regions before June.

Weather experts too do not foresee any catastrophic effects from the hurricanes in 2012. They also concede that out of the 15 named storms may be hurricanes and out of which only 3 can be cause of major concern. The United States coastline may bear the brunt of landfall due to storms.

The names of the tropical storms that may strike the Atlantic region in 2012 include Alberto, Beryl, Chris, Debby, Ernesto, Florence, Gordon, Helene, Issac, Joyce, Kirk, Leslie, Michael, Nadine, Oscar, Patty, Rafael, Sandy, Tony, Valerie and William. The most powerful tropical storm so far, has been Beryl. Alberto had wind speed measuring up to 60 miles per hour and affected places like North Carolina, South Carolina and Georgia. Beryl, on the other hand, had wind speed of 70 miles per hour and resulted in 4 deaths and one person being missing. It actually became a powerful tropical storm on May 27 reaching its peak wind speed but it became weak in strength by May 30.

The hurricane season should continue till November 30. 2012. The seasonal average for the past 30 years indicate 12 named storms, six hurricanes and three major hurricanes. The good thing to smile for this year is that El Nino may become powerful during the course of the summer. This is nice to know because El Ninos can suppress hurricane activity in the Atlantic. However, the unpredictable nature of the weather and the fact that the last three years have been quite a dampener in our national exchequer still leave the cause for us to be better prepared for unpleasant hurricane activity.

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Coming Soon Services For Tallahassee Florida

Help for flood disasters in Tallahassee Florida arrive shortly. Website Coming Soon!

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