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		<title>Water Damage &amp; Mold Prevention</title>
		<link>http://nc-property-damage.com/mold-removal/water-damage-mold-prevention/</link>
		<comments>http://nc-property-damage.com/mold-removal/water-damage-mold-prevention/#comments</comments>
		<pubDate>Fri, 08 Mar 2013 15:35:33 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Mold Removal]]></category>
		<category><![CDATA[Water Damage]]></category>

		<guid isPermaLink="false">http://nc-property-damage.com/?p=1507</guid>
		<description><![CDATA[PuroClean Property Rescuers NC http://nc-property-damage.com Your shower and commode are separated your master bathroom and can be closed off when you are using that area.  You notice some minor discoloration on the ceiling above the commode, but you are not concerned.  You can wipe it off another day.  Wrong.  It is not dirt or soot; [...]]]></description>
				<content:encoded><![CDATA[<p style="text-align: center;"><a href="http://nc-property-damage.com/wp-content/uploads/2013/03/Mold-Growth.jpg"><img class="aligncenter  wp-image-1508" alt="Mold Growth" src="http://nc-property-damage.com/wp-content/uploads/2013/03/Mold-Growth.jpg" width="530" height="396" /></a></p>
<p>PuroClean Property Rescuers NC</p>
<p><a href="http://nc-property-damage.com">http://nc-property-damage.com</a></p>
<p>Your shower and commode are separated your master bathroom and can be closed off when you are using that area.  You notice some minor discoloration on the ceiling above the commode, but you are not concerned.  You can wipe it off another day.  Wrong.  It is not dirt or soot; this is not “mildew” which technically only grows on plant life…  it is MOLD, and although it is only small, if you do not do something immediately, the mold will continue to spread and since 15-20% of the population has significant and some cases life threatening mold allergies, this could create a potentially serious health hazard to you and your family members.</p>
<p>Mold forms in places that either are naturally humid, or where there has been a water problem caused by a leaking roof or pipe.  Some mold may be hidden behind wallpaper, under carpets in wall cavity spaces or in other areas not easily seen.  If not remediated quickly (not just color changed with beach) , mold can spread and cause neurological symptoms such as headaches, trouble concentrating; short attention span, memory loss, dizziness, or it can cause or worsen allergies or allergic reactions causing skin irritation, rash, or pulmonary disease.  It can even cause or aggravate life threatening chronic conditions, such as asthma, cancer or hypersensitivity pneumonitis (HP).</p>
<p>Mold can grow indoors and outdoors, and it more prevalent in localities that have high humidity problems such as North Carolina and is especially prevalent in areas affected by water and structures built with damp or wet building materials.</p>
<p>Mold can readily be recognized by a damp or musty smell, and the areas that have been subjected to water leaks and improper drainage all associated with water damage events and will generally have tell-tale water stains and marks that one can be sure either contain mold or will contain mold.  To help prevent the growth of mold, the following steps are recommended:</p>
<ul>
<li>lower indoor humidity with air conditioners, de-humidifiers and exhaust fans</li>
<li>inspect hoses and fittings on appliances, sinks, washing machines, refridgeratorsand toilets</li>
<li>use household cleaners with mold-cleaning detergents ingredients to removed bio-film which mold grows on</li>
<li>opt for paints and primers that contain mold inhibitors</li>
<li>clean gutters to avoid overflow and check roof for leaks</li>
<li>avoid carpet in wet areas like basements and bathrooms</li>
</ul>
<p>Once discovered, the mold should be remediated quickly by a professional what is both certified and insured against mold related liabilities.  Depending on how big the mold infestation is, the cost of remediation will vary from several hundreds of dollars to many thousands.  In any case, drying out the affected areas may not be enough (below 17% moisture content); the requirement may be that all affected areas must be removed and replaced.</p>
<p>Mold damage has resulted in some monstrous jury verdicts including $14 million in Florida, $18 million in California and $32 million in Texas.  Some well-known individuals have initiated mold law suits including Michael Jordan, Ed McMahon and Erin Brockovich.</p>
<p>As a result, insurance companies now often have disclaimers for mold damage, so it is important to read the policy to determine if such exclusion exists.  If it does, the insurance adjuster will generally attempt to deny coverage claiming that the homeowner caused the mold or contributed to its spread by allowing wet areas to fester.  However, if the mold is caused by a sudden and accidental incident, such as a pipe bursting, the cost of remediation probably will be covered by insurance.  The reasoning is that technically the pipe burst and that caused the claim, not the mold itself.  Roughly 22% of all homeowners’ insurance claims result from “water damage” and “freezing”, which includes remediation.</p>
<p>Some insurance companies also offer mold riders to the general homeowner’s insurance policies.  However, a mold rider could cost an additional $500 to $1,500 a year on an existing policy, and more in humid climates.  If your insurance carrier refuses to provide a rider because of the increased risk, some casualty companies might sell you a standalone mold policy if you are still concerned.  However, the premiums for a standalone mold policy might range from $5,000 to $25,000, making the cost of the policy disproportionate to the value of your home.</p>
<p>In short, the prevention of mold through safeguarding measures is, in the long run, far less expensive than remediating mold or carrying expensive insurance.  The homeowner must make that choice.  If you have any type of water damage event at all, do yourself a huge favor and have it properly dried (a.k.a mitigated) and decontaminated.  Do not take the take the position that it is only water.  Water that is out of site and then considered our of mind, could totally destroy your largest possession and worse, perhaps make you and your loved one extremely will depending on allergy sensitivities.</p>
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		<title>Water Damage Statistics</title>
		<link>http://nc-property-damage.com/property-damage/water-damage-statistics-2/</link>
		<comments>http://nc-property-damage.com/property-damage/water-damage-statistics-2/#comments</comments>
		<pubDate>Wed, 10 Oct 2012 18:20:48 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Property Damage]]></category>
		<category><![CDATA[Water Damage]]></category>

		<guid isPermaLink="false">http://nc-property-damage.com/?p=973</guid>
		<description><![CDATA[By  Dan Camara Water Damage Statistics If you&#8217;ve read our blog for any length of time, then you know that water damage is a serious business when it occurs. The common wisdom is that most homes will experience at least one major water damage event during their existence, but available evidence suggests that the problem [...]]]></description>
				<content:encoded><![CDATA[<p><a href="http://nc-property-damage.com/wp-content/uploads/2012/10/Water-Leak-Ceiling-Banner3.png"><img class="aligncenter  wp-image-976" title="Water Leak Ceiling Banner" src="http://nc-property-damage.com/wp-content/uploads/2012/10/Water-Leak-Ceiling-Banner3-600x1024.png" alt="" width="420" height="717" /></a><span style="font-size: small;">By  Dan Camara</span></p>
<p><span style="font-size: small;"><a href="http://www.waterdamageout.com/blog/2012/04/water-damage-statistics/">Water Damage Statistics</a></span></p>
<p><span style="font-size: small;">If you&#8217;ve read our blog for any length of time, then you know that water damage is a serious business when it occurs. The common wisdom is that most homes will experience at least one major water damage event during their existence, but available evidence suggests that the problem may be more widespread than originally thought.</span></p>
<p><span style="font-size: small;">What water damage can do:</span></p>
<p><span style="font-size: small;">The average home loses 14% of the water delivered to it through leakage. Even more astounding, up to 22 gallons of water are lost daily due to leaks from dripping faucets or malfunctioning toilets. A 1/8 inch crack in a pipe can release up to 250 gallons of water per day. Some toilet leaks can account for up to an additional $500 a year in additional costs. Kinda makes you want to go and inspect your pipes, doesn&#8217;t it?</span></p>
<p><span style="font-size: small;">As odd as it may sound, recent improvements in water quality can contribute to the accelerated corrosion and failure of copper piping, with 90% of copper pinhole leaks occurring on horizontal runs of pipe.</span></p>
<p><span style="font-size: small;">Property damage due to water is the third largest cause of homeowner loss, with over $9 billion in losses reported between 2007 and 2009. This makes up a whopping 23 percent of all reported property loss. According to the American Insurance Association, water damage is the second most frequently filed claim for homeowners in the US.</span></p>
<p><span style="font-size: small;">If the preceding isn&#8217;t bad enough, studies have shown that up to 93 percent of these problems could have been averted if a detection and shut-off system had been present in the homes affected. Damage costs averaged $20,000 more than three times the amount required for homes where detection and prevention devices were installed.</span></p>
<p><span style="font-size: small;">Water damage is also the primary cause of rising homeowners insurance rate costs. The average water damage bill has increased from around $600 or so in the 1970&#8242;s to an average of more than $5000 today.</span></p>
<p><span style="font-size: small;">Some of the most damaging leaks are those that develop and grow slowly over a long period of time, as opposed to those that occur rapidly and without warning. The reason is that these slow growing problems have more time to set the stage for subsequent problems such as mold and mildew. All too often, once the problem has been detected, considerable damage has already been done.</span></p>
<p><span style="font-size: small;">Lack of early detection and response from the homeowner can result in loss of the ability to collect from your insurance provider. Water damage claims are frequently denied if the problem has existed for more than 24 hours, or if it can be traced to any sort of negligence on the part of the homeowner.</span></p>
<p><span style="font-size: small;">Almost 40% of all homeowners have reported loss due to water damage. If you have a basement, that figure jumps to 98%. Draw your own conclusions.</span></p>
<p><span style="font-size: small;">To help prevent water damage to your property there are some things that you need to do. This blog has plenty of tips to prevent this sort of damage. Start by reading this article on water damage prevention.</span></p>
<p><span style="font-size: small;">Your local PuroClean Clean Trust (IICRC) certified water restoration provider is available 24/7 to properly examine and diagnose your water issues. They offer same day service and can properly assess the problem and determine a course of action. Call today for an estimate or phone consultation.</span></p>
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		<title>Is Mold Inspection and Testing Covered by my Insurance?</title>
		<link>http://nc-property-damage.com/mold-removal/mold-inspection-testing-covered-insurance/</link>
		<comments>http://nc-property-damage.com/mold-removal/mold-inspection-testing-covered-insurance/#comments</comments>
		<pubDate>Tue, 09 Oct 2012 16:07:19 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Mold Removal]]></category>

		<guid isPermaLink="false">http://nc-property-damage.com/?p=715</guid>
		<description><![CDATA[Typically yes, but falls under the $5,000 cap of most policies.  Indoor Air Quality and Surface sampling can sometimes run in the $1-2 thousand dollar range depending on the number of samples taken and post remediation clearance testing a getting written remediation protocol.   There is tremendous value in doing this from a quality control and [...]]]></description>
				<content:encoded><![CDATA[<p><strong></strong>Typically yes, but falls under the $5,000 cap of most policies.  Indoor Air Quality and Surface sampling can sometimes run in the $1-2 thousand dollar range depending on the number of samples taken and post remediation clearance testing a getting written remediation protocol.   There is tremendous value in doing this from a quality control and contractor recourse by having such services completed by an independent third party Indoor Environmental Professional (IEP).</p>
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		<title>Handling Smoke Damage after a Fire – Getting Soot and Smoke Out</title>
		<link>http://nc-property-damage.com/fire-damage/handling-smoke-damage-fire-soot-smoke/</link>
		<comments>http://nc-property-damage.com/fire-damage/handling-smoke-damage-fire-soot-smoke/#comments</comments>
		<pubDate>Tue, 18 Sep 2012 18:44:24 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Fire Damage]]></category>

		<guid isPermaLink="false">http://nc-property-damage.com/?p=940</guid>
		<description><![CDATA[You may be anxious to clean your home after a fire, but unless you take the time to get professional advice, you may be wasting your efforts or creating further damage. Contact your insurance agency immediately once the fire is out. He or she can provide advice on restoration or replacement of damaged items. If [...]]]></description>
				<content:encoded><![CDATA[<p>You may be anxious to clean your home after a fire, but unless you take the time to get professional advice, you may be wasting your efforts or creating further damage. Contact your insurance agency immediately once the fire is out. He or she can provide advice on restoration or replacement of damaged items. If you rent, notify the owner so both of you can assess the damage.</p>
<p>Your insurance agent will refer you to PuroClean Property Rescuers NC.   We can provide hints to prevent further damage, help determine which items can or cannot be refurbished, and provide estimates and services for thoroughly cleaning and deodorizing your home. Their services can be expensive, but the cost may be substantially less than the cost of replacing damaged furnishings and floors.</p>
<p><span style="font-size: medium;">Preventing Further Damage</span></p>
<p>In the mean time, you can minimize further damage by following these guidelines. Be sure you have permission from your fire marshal to safely re-enter your home before doing so. Get the air moving. Open windows to ventilate areas. Install a fan to circulate air. Note: if there has been substantial water damage and the weather is warm, you will probably need to keep the windows shut and run a dehumidifier. In cold weather, your heating system is operating and the cold air will usually help remove the moisture. In this case, change your furnace filter daily until it shows no soot. Dry wet items as soon as possible. Use fans and dehumidifiers to dry carpets and draperies. If not thoroughly dried, carpets and floors underneath may be quickly damaged beyond repair by mold and mildew.</p>
<p>Remove brass and copper items and clean them using brass or copper cleaner (smoke can etch brass or copper in 24 hours).</p>
<p>Place aluminum foil or plastic food wrap under furniture legs. Remove oriental rugs or other colored rugs from wet wall-to-wall carpeting.</p>
<p>Cover dry, clean items with plastic while repairs are in progress.</p>
<p><span style="font-size: medium;">Removing Soot from Household Textiles</span></p>
<p>Soot is oily and easily stains carpets, draperies and other household textiles. For this reason you must remove it before you attempt to clean or deodorize items. If possible, hire a professional restorer to remove soot with a<br />
heavy-duty vacuum. If you don&#8217;t plan to hire a professional, you can remove some soot by holding a vacuum cleaner nozzle slightly off the surface of the item. Do not use vacuum attachments or an upright vacuum because the brushes tend to force soot into fabrics. Cover carpets after removing the soot to keep other soil from being tracked in during clean-up.</p>
<p><span style="font-size: medium;">Removing Smoke Odor from Textiles</span></p>
<p>Smoke odor may remain in clothing, upholstered furniture, carpets and draperies unless they are properly deodorized before cleaning. Professional assistance is recommended.</p>
<p>Consult PuroClean and/or dry cleaners about using &#8220;counteractants,&#8221; chemicals or additives that break up smoke molecules to eliminate odors. The type of counteractant used will vary with the type of material burned in the fire. Counteractants may be professionally applied to furniture, carpets and draperies. PuroClean also may provide them for laundering clothes.</p>
<p>PuroClean sometimes uses hydroxyl generators or ozone treatment to break up smoke molecules and eliminate odors. If the process is done in the home, items are put under a tent while a hydroxyl generators or ozone generator is operating.</p>
<p>Keep in mind that most household deodorizing sprays and disinfectants provide only temporary relief. In addition, deodorizing sprays may interact with smoke odor and create an additional odor.</p>
<p>If you are unable to have clothing or similar textiles professionally treated, try one of the following methods:</p>
<p>- Dissolve one cup of dishwashing detergent—the type used in an automatic dishwasher—in one gallon of warm water. Completely submerge the items and let them soak all night in your washing machine or bathtub. Drain and launder as usual the next day.</p>
<p>- For items that can be bleached, mix 4 to 6 tablespoons trisodium phosphate (available from your hardware store) with 1 cup Lysol or household chlorine bleach and 1 gallon of water. Add clothes, rinse with clear water and dry.</p>
<p><span style="font-size: medium;">Cleaning Furnishings and Clothing</span></p>
<p>After deodorizing, it&#8217;s time to clean household textiles. Take nonwashable clothing and draperies to a dry cleaner for traditional dry cleaning or a special cleaning process.</p>
<p>Wash regular clothing in warm water with a liquid detergent. Several launderings may be needed.</p>
<p>Have carpets cleaned twice—both before and after repairs. Wet carpets must be dried before cleaning. In some cases, removal of carpet is necessary for complete drying and to save the wood floor<br />
beneath.</p>
<p><span style="font-size: medium;">Cleaning Soot Stains from Walls</span></p>
<p>If possible, use a chemical sponge available from a cleaning supply company or some other non-water-based cleaner to clean soot from walls.</p>
<p>Paint thinner or rubbing alcohol may work, but use with caution because of toxicity and fumes. Wear rubber gloves, open all windows and use an electric fan to increase ventilation while working. Do not use a water-based cleaner on plaster walls. It will cause the stain to bleed into the wall.</p>
<p><span style="font-size: medium;">Removing Smoke Odor from the Home</span></p>
<p>During a fire, smoke can permeate walls and other surfaces and drift through household ducts, where it becomes trapped. If not properly removed, smoke odor reoccurs from time to time, especially during warm or damp weather.</p>
<p>Consult PuroClean about a process known as &#8220;thermal fogging.&#8221; This warm chemical fog penetrates your home and walls just as the fire did, neutralizing the smoke odor as it goes.</p>
<p>Consult PuroClean about smoke removal from ducts. We may use a chemical sealer to secure smoke permanently to the sides of ducts since these areas, with their joints and crevices, may be difficult to clean with conventional vacuum-and-brush methods. Consider replacement of attic insulation. Insulation may retain<br />
odors.</p>
<p><span style="font-size: medium;">Additional Resources</span></p>
<p>- Your local fire department</p>
<p>- The American Red Cross</p>
<p>-The National Institute of Fire Restoration</p>
<p>-The Federal Emergency Management Agency</p>
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		<title>What can be done about Smoke Damage?</title>
		<link>http://nc-property-damage.com/fire-damage/smoke-damage/</link>
		<comments>http://nc-property-damage.com/fire-damage/smoke-damage/#comments</comments>
		<pubDate>Mon, 17 Sep 2012 21:29:56 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Fire Damage]]></category>

		<guid isPermaLink="false">http://nc-property-damage.com/?p=934</guid>
		<description><![CDATA[It is clearly one thing to know how smoke and soot can damage not only your properties but your general health as well, what is more important is what you need to do next. And no matter how complex the task of smoke damage cleanup may be, here are a few suggestions on how you [...]]]></description>
				<content:encoded><![CDATA[<p><a href="http://nc-property-damage.com/wp-content/uploads/2012/09/Smoke-Damage-Banner-3.png"><img class="aligncenter  wp-image-935" title="Smoke Damage Banner 3" src="http://nc-property-damage.com/wp-content/uploads/2012/09/Smoke-Damage-Banner-3-300x259.png" alt="" width="469" height="404" /></a><br />
It is clearly one thing to know how smoke and soot can damage not only your properties but your general health as well, what is more important is what you need to do next. And no matter how complex the task of smoke damage cleanup may be, here are a few suggestions on how you can simplify the process.</p>
<p>·         For soft materials such as clothing, fabrics, and upholstery you can use a power vacuum to remove the soot from the affected articles. Keep in mind to use only the most powerful vacuum and to cover the cleaned up article immediately so that it will not get re-soiled during the entire cleaning process.</p>
<p>·         For carpets, you can hire a professional carpet cleaner only after you have restored your carpet yourself. You can also rent a rotary scrubber or an extraction machine from your local tool rental shop to help you with either wet cleaning or injection cleaning of your carpet.</p>
<p>·         Remember that it may be necessary to wash fabrics and clothing to completely remove the soot and odor brought about by the smoke. Try to soak the articles overnight in a solution with deodorizers before machine washing them the following day.</p>
<p>·         If soot has permeated through porous hard surfaces, you can use a dry chemical sponge to scrub off the soot and then spraying the surfaces with a chemical cleaning solution. Make sure to dry the surface properly and well before applying any deodorizing agent.</p>
<p>·         For less porous hard surfaces, you can try to make some changes in the concentration of the chemical cleaning solutions you have used for cleaning porous hard surfaces.</p>
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		<title>Fire Damage: 6 Easy Tips to Stop the Loose Fuse</title>
		<link>http://nc-property-damage.com/property-damage/fire-damage-6-easy-tips-stop-loose-fuse/</link>
		<comments>http://nc-property-damage.com/property-damage/fire-damage-6-easy-tips-stop-loose-fuse/#comments</comments>
		<pubDate>Fri, 10 Aug 2012 20:20:08 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Fire Damage]]></category>
		<category><![CDATA[Property Damage]]></category>

		<guid isPermaLink="false">http://nc-property-damage.com/?p=921</guid>
		<description><![CDATA[By Samuel Ott  There’s nothing worse than coming home to find it looking like this, charred with fire damage. Your life comes to a screeching halt as you watch in horror. It’s a good thing you weren’t inside. Worse yet, what if a family member was? Unfortunately, most house fires can be avoided. It’s all [...]]]></description>
				<content:encoded><![CDATA[<p align="left"><em>By Samuel Ott </em></p>
<p align="left"><strong> </strong>There’s nothing worse than coming home to find it looking like this, charred with fire damage.</p>
<p align="left"><a href="http://nc-property-damage.com/wp-content/uploads/2012/08/Fire-Scene-2.png"><img class="aligncenter size-medium wp-image-923" title="Fire Scene " src="http://nc-property-damage.com/wp-content/uploads/2012/08/Fire-Scene-2-300x223.png" alt="" width="300" height="223" /></a></p>
<p align="left">Your life comes to a screeching halt as you watch in horror. It’s a good thing you weren’t inside. Worse yet, what if a family member was? Unfortunately, most house fires can be avoided. It’s all about being safe.</p>
<p align="left"> There are many ways a fire can be caused. Here are some tips for what to look for and how to prevent potential fires in and around your home:</p>
<ol>
<li><span style="text-decoration: underline;">Clean out lint traps:</span>  My mother has preached this to me since day one. Every time you do a load of laundry, clean out the lent trap. Lent is highly flammable, so do laundry with care.</li>
<li><span style="text-decoration: underline;">Space heaters need their space:</span> If you use a space heater, keep it clear of any article of clothing, curtains or furnishings. Don’t forget to turn it off before you leave!</li>
<li><span style="text-decoration: underline;">Check wirings and circuits:</span> If you look behind your TV and can’t see the ground or there’s a ball of wire, I think it’s a good time to reorganize. Keeping too many wires and cords together can cause overheating. Plus, you don’t want to overload the circuits. Unplug electrical appliances before going to bed or leaving the house. Plus, this can save on energy costs.</li>
<li><span style="text-decoration: underline;">Test smoke detectors:</span> They can save your life, but only if you keep them alive. Change their batteries twice a year, but it doesn’t stop there. Regularly test to see if they are functioning properly.</li>
<li><span style="text-decoration: underline;">No smoking:</span> Take your smoke break outside. No exceptions. When you throw away your cigarette butts, make sure to wet the end.</li>
<li><span style="text-decoration: underline;">Don’t let your meal cook itself:</span> Never leave your kitchen post without turning off the stove, oven or any other cooking appliance. This is only asking for trouble. Also, make sure to cook safely by keep any flammable objects away from appliances.</li>
</ol>
<p align="left">If you’re ever unsure about a potential fire hazard, just give it some thought. If you find you keep second guessing yourself, then it might be a good idea not to do it. There are two types of knowledge in these situations, semantic and instinct; what you do because of what you know and what you think you should do. It never hurts to know as much as you can in order to do the right thing, but sometimes it’s your instinct that saves the day.</p>
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		<title>Water damage is one of the most common reasons people make claims on their home insurance</title>
		<link>http://nc-property-damage.com/property-damage/water-damage-common-reasons-people-claims-home-insurance-burst-pipes-leaky-appliances-flooded-basements-lead-people-discover-details-home-insurance-policies/</link>
		<comments>http://nc-property-damage.com/property-damage/water-damage-common-reasons-people-claims-home-insurance-burst-pipes-leaky-appliances-flooded-basements-lead-people-discover-details-home-insurance-policies/#comments</comments>
		<pubDate>Fri, 10 Aug 2012 20:10:54 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Mold Removal]]></category>
		<category><![CDATA[Property Damage]]></category>
		<category><![CDATA[Water Damage]]></category>

		<guid isPermaLink="false">http://nc-property-damage.com/?p=915</guid>
		<description><![CDATA[Water damage is one of the most common reasons people make claims on their home insurance. Burst pipes, leaky appliances and flooded basements often lead people to discover the details of their home insurance policies. home insurance for water damage&#8221;Water damage and homeowners policies can be a volatile issue in many ways,&#8221; says Don Griffin, [...]]]></description>
				<content:encoded><![CDATA[<p><a href="http://nc-property-damage.com/wp-content/uploads/2012/08/water-damage-kitchen.jpg"><img class="aligncenter size-full wp-image-916" title="water-damage-kitchen" src="http://nc-property-damage.com/wp-content/uploads/2012/08/water-damage-kitchen.jpg" alt="" width="235" height="185" /></a></p>
<p>Water damage is one of the most common reasons people make claims on their home insurance. Burst pipes, leaky appliances and flooded basements often lead people to discover the details of their home insurance policies.</p>
<p>home insurance for water damage&#8221;Water damage and homeowners policies can be a volatile issue in many ways,&#8221; says Don Griffin, vice president of personal lines at the Property Casualty Insurers Association of America, a trade group. &#8220;Generally, the damage caused by water will be covered, but whatever causes the damage — say, a leaking dishwasher hose — may not be.&#8221;</p>
<p>Although insurance companies may pay to replace a carpet damaged by your dishwasher leak, you probably have to replace or repair the hose at your own cost. If a sudden, unforeseen problem such as a frozen pipe leads to water damage, your home insurance covers repairs to both the broken pipe and your home and furnishings.</p>
<p>Here are common water-damage scenarios and their insurance consequences.</p>
<p>Scenario No. 1: The temperature drops to 10 below zero, causing your water pipes to freeze and burst. Your floor is now covered in 6 inches of water.</p>
<p>Are you covered? Yes, you&#8217;re covered for water damage from burst pipes, but most policies won&#8217;t cover you if you&#8217;ve left the house unoccupied and without heat. If that&#8217;s the case, your claim could be denied because you&#8217;ve failed to perform the necessary upkeep that would prevent the accident.</p>
<p>Scenario No. 2: Water leaks from your backyard pool, ruining your manicured lawn and flooding your basement</p>
<p>Are you covered? The damage to your basement and your personal property are covered, but not the damage to your lawn. According to a sample policy, &#8220;We do not cover land, including land on which the dwelling is located.&#8221; However, your lawn is covered if it&#8217;s damaged by certain &#8220;named perils.&#8221; These include fire, explosion, riot, aircraft, vehicles not owned by you and vandalism. The amount of coverage for lawns and plants is small — usually only up to $500. Swimming-pool leaks are not a named peril. But if your leak was caused by a tree falling on the pool, it would be covered.</p>
<p>Scenario No. 3: Your washing machine overflows, flooding the basement.</p>
<p>Are you covered? Yes. But it depends on your home insurance company view of the problem: Did you fail to maintain the washer properly or did sudden, accidental damage cause the flood?</p>
<p>&#8220;Most of the time, if an appliance breaks and water goes all over, insurance covers it. In the case of a washing machine, you might need to purchase replacement parts out of your own pocket because they were not maintained correctly, but the damage to your basement is covered,&#8221; says Griffin.</p>
<p>Scenario No. 4: A sewer backs up, flooding your basement.</p>
<p>Are you covered? No. Standard home insurance policies don&#8217;t cover sewer backups, and many specifically exclude damage from sewer back-ups. Special endorsements are available, at added cost, for sewers and drains.<br />
Tip<br />
Don&#8217;t shoot yourself in the foot by reporting damage to your home insurance company that&#8217;s not covered by your policy. Your damage report may still go on your insurance record and look like a claim when you shop for new insurance in the future. Read how one five-minute call to your insurance company can dog you for seven years.</p>
<p>Scenario No. 5: Water seeps from the ground into your basement, damaging your foundation and interior.</p>
<p>Are you covered? No. Seepage is considered a maintenance problem, not &#8220;sudden and accidental&#8221; damage, and is excluded from home insurance coverage.</p>
<p>Scenario No. 6: During a heavy rainstorm, water leaks through your roof. The roof is damaged, as is furniture.</p>
<p>Are you covered? Somewhat. You&#8217;re unlikely to be reimbursed for roof repairs because that&#8217;s a house-maintenance issue. But the water damage to your home is covered. Damage to your furniture is also likely covered if you have a standard H0-3 home insurance policy, but not if you have a generic HO-1 policy (which many insurers don&#8217;t even sell anymore).</p>
<p>If your neighbor&#8217;s tree falls on your roof, the damage to your roof, home and belongings is covered. Your policy also reimburses you up to a certain amount, usually around $500, for the cost of removing the tree.</p>
<p>Scenario No. 7: A nearby lake or river overflows its banks, causing a flash flood in your living room.</p>
<p>Are you covered? No. Flood damage is not covered by home insurance. You must purchase flood insurance for that. You can purchase flood insurance as long as your community participates in the National Flood Insurance Program.</p>
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		<title>Sewer Backup Frequently Asked Questions:</title>
		<link>http://nc-property-damage.com/property-damage/sewer-backup-frequently-asked-questions/</link>
		<comments>http://nc-property-damage.com/property-damage/sewer-backup-frequently-asked-questions/#comments</comments>
		<pubDate>Tue, 26 Jun 2012 18:41:45 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Property Damage]]></category>
		<category><![CDATA[Water Damage]]></category>

		<guid isPermaLink="false">http://nc-property-damage.com/?p=894</guid>
		<description><![CDATA[Sewer water can contain all types of toxic and hazardous contaminants.  Having your property properly cleaned can help ensure the health safety of your family and/or employees. Answers to the most frequently asked questions regarding Sewer Backup by PuroClean Property Rescuers NC. Is it safe for my family to be in here after a sewer [...]]]></description>
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<p>Sewer water can contain all types of toxic and hazardous contaminants.  Having your property properly cleaned can help ensure the health safety of your family and/or employees. Answers to the most frequently asked questions regarding Sewer Backup by PuroClean Property Rescuers NC.</p>
<h2>Is it safe for my family to be in here after a sewer backup?</h2>
<p>Answer: No. Water that comes from a beyond a trap (p-trap) of a sewer system needs to be treated as a health hazardous situation. Category 3, also known as black water, is grossly contaminated and can contain pathogenic, toxigenic or other harmful agents.</p>
<h2>What are the hazards with sewer backups?</h2>
<p>Answer: According to the IICRC S500 Standard 3rd Edition, there are over 120 different viruses that can be excreted in human feces and urine and find their way into sewage. These can include Rotavirus, causing severe and sometimes life-threatening diarrhea in children, Adenoviruses, causing respiratory and eye infections, and Norovirus, a significant cause of gastric flu or stomach flu. There are highly infectious parasitic agents like Giardia and Cryptosporidium that can cause chronic and severe intestinal diseases in both children and adults. Bacterial pathogens in sewage can include Salmonella, Shigella and Escherichia coli. These gram-negative organisms contain endotoxins that are released at the time of cell death and destruction. Endotoxins can cause respiratory inflammation, airway restriction, create the potential allergic and infectious disease responses and when inhaled they may adversely influence the central nervous system.</p>
<h2>Can I just clean up a sewer backup myself?</h2>
<p>Answer: Improper remediation activities to clean and restore property can cause more and bigger problems. It is possible to spread the contaminated sewer problem from one room to other rooms very easily. Knowing how to remove and clean a sewer backup is essential for a successful restoration of your property. It would be a good idea to consult with a professional experienced and preferably certified in sewer restoration.</p>
<h2>Can I just use bleach to clean up a sewer backup?</h2>
<p>Answer: Although bleach is a common solution for most people, it is a poor solution for sewer backups. It may do a good job of making stains disappear, however it does a poor job of making the contamination of sewer (category 3) water disappear. We understand that the label may say “It kills 99% of common household germs.” We just don’t think that contamination from sewer water falls under the category of “common household germs.” We had a customer who cleaned up a sewer backup with bleach twice. Once we were hired we had a certified industrial hygienist inspect the house for and he still found high levels of contamination.</p>
<h2>What can I keep after a sewer backup?</h2>
<p>Answer: Generally, anything that came in contact or possibly came in contact with sewer water that can absorb is usually disposed of. Hard surface items that don’t absorb can be cleaned and restored. Due to all the health hazards of sewer backups we like to operate on the premise “If in doubt, do without!” Is keeping that item worth your health and / or your family’s health?</p>
<h2>How do I really know if everything is cleaned up?</h2>
<p>Answer: Anyone who says, “Everything is all done, see it looks brand new and smells new too,” is full of crap. Maybe that’s how they cleaned up the sewer backup. The only way to “know” if a sewer backup has been successfully restored is to have it tested. We recommend the services of a certified industrial hygienist who is independent. It’s not a good idea to hire someone to restore your property and then use “their” guy to check it. Look in the phone book or get on the internet and search for a “certified industrial hygienist.”</p>
<h2>Let’s suppose your sewer stops up?</h2>
<p>Sewer back-ups are normally unexpected and constantly result in a mess. At best the backup requires uncomfortable clean-up and at times costly damage.</p>
<h2>Who is going to repair the problem?</h2>
<p>That is dependent upon whether the stoppage is your non-public sewer line or town main. If it’s within the City main, the City is going to fix it as quickly as possible and keep you up to date regarding what is being undertaken.</p>
<p>If the condition is with the private sewer connection linking your place to the City main sewer line, we will advise you to get your sewer sewer connection fixed. It is actually against the law for your City to work on private buildings.</p>
<h2>Just who will cover this?</h2>
<p>The property owner is going to have to pay for the work. For this reason one must always make certain your homeowner’s insurance policy covers sewer backups.</p>
<h2>Can the City do anything at all that is going to help my family?</h2>
<p>Absolutely! City crews will help with the immediate cleanup to deal with community medical issues.</p>
<h2>Is the City going to compensate my family for any damage if the back up is within the City main sewer sewer connection?</h2>
<p>On the condition that we had advance information that the City main had been responsible,and also that we did not fix the problem.</p>
<h2>Is this the City&#8217;s policy or law?</h2>
<ul>
<li>This is law, public resources can not be paid out meant for non-public purposes.</li>
<li>The City will be liable for its real estate, not your connection to the primary.</li>
<li>The City will only be responsible for loss if we learned there was a problem &amp; did not fix it inside a reasonable time frame.</li>
</ul>
<h2>How can I discover if I will be reimbursed?</h2>
<p>In the case the sewer stoppage isn’t upon your private sewer connection, you may register a claim. The lawyers will research it to discover if City is liable which includes prior notice on the City sewer system’s problem.<br />
Homewoner accountability for the sewer sewer line runs past the real estate line and even completely to the location where the sewer connects in to the City main.</p>
<h2>Preventative Measures</h2>
<p>Install a backflow valve to prevent sewer backups. City ordinance will involve a backflow control device on brand new along with newly-repaired sewer lines. However , you may get a plumber add a backflow valve to your sewer connection right now. It’s the ideal safeguard to protect against sewer sewer backups.</p>
<p>A backflow control device can stop sewage from backing up into your house. Clean it regularly to keep it functioning. The valve closes any time waters comes in it from the wrong course. Should a clog take place, the backflow control device should stop the sewage from backing up inside your household. For anybody who is downhill from the sewer main, ensure that a backflow control device has been put on your sewer connection – particularly when your household is due to an older area of the community. Regardless if your house is at a borderline location, installing a backflow valve can be a great precaution. Once the valve is installed, thoroughly clean it every now and then to have it operating right.</p>
<h2>Ensure that you own adequate insurance coverage</h2>
<p>Sewer backups may not be routinely included in most homeowner’s insurance plan plans. Check your coverage to be sure that you will be insured for damages or injuries resulting from sewer backups.</p>
<p>Don’t forget, the City will not be an insurance provider. The City may just pay for damages or injuries with extremely limited circumstances put down for legal reasons.</p>
<p>Don’t expect you’re protected! You need a specific choice for protection. Talk to your insurance policy broker.</p>
<h2>Prevent potential sewer backups</h2>
<ul>
<li>Call PuroClean Property Rescuers NC at the initial sign of a issue – before the sewer backs up. If your drains are functioning poor, as an example, contact us. We will come and investigate the sewer.</li>
<li>Dump oil as well as fats using your trash can, certainly not down the drain. Although you may run it through a trash disposal, grease in drains can accumulate and harden directly into a plug.</li>
<li>Grow trees and large shrubs away from sewer lines. Plant’s roots grow towards breaks or cracks in lines. Whenever plants roots get within the line, they block the line.</li>
<li>Never connect French drains, sump pumps, or other flood regulating systems on your sanitary sewer. It is illegal as well as the trash and silt will clot your sewer line. Contact a PuroClean Property Rescuers NC professional to help guide you to assist you with unlawful connections.</li>
</ul>
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		<title>An &#8220;Open Letter&#8221; To All North Carolina Insurance Professionals (as well as Other Insurance-Sensitive, Business-Savvy “Mavens”)</title>
		<link>http://nc-property-damage.com/property-damage/open-letter-north-carolina-insurance-professionals-business-savvy-mavens/</link>
		<comments>http://nc-property-damage.com/property-damage/open-letter-north-carolina-insurance-professionals-business-savvy-mavens/#comments</comments>
		<pubDate>Fri, 11 May 2012 22:33:39 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Company News]]></category>
		<category><![CDATA[Mold Removal]]></category>
		<category><![CDATA[Property Damage]]></category>
		<category><![CDATA[Water Damage]]></category>

		<guid isPermaLink="false">http://nc-property-damage.com/?p=833</guid>
		<description><![CDATA[They say that there are typically two things that motivate insurance agencies; additional revenue streams from cross selling opportunities and protecting the agency from errors and omissions claims. I would further suggest a third motivation; avoiding the possibility of becoming a “named defendant” in an unknowingly risky vendor referral-associated legal proceeding… Property Damage Restoration, Water [...]]]></description>
				<content:encoded><![CDATA[<p>They say that there are typically two things that motivate insurance agencies;<strong> additional revenue streams from cross selling opportunities</strong> and <strong>protecting the agency from errors and omissions claims.</strong> I would further suggest a third motivation; <em><strong>avoiding the possibility of becoming a “named defendant” in an unknowingly risky vendor referral-associated legal proceeding…</strong></em></p>
<p><strong><span style="color: #000080;">Property Damage Restoration, Water Damage Mitigation and Mold Remediation businesses</span></strong> are around potential <strong>pollution, fungi or bacterial hazards</strong> on a daily basis <strong>and virtually every single general liability policy issued today in the United States has pollution, fungi or bacterial <span style="text-decoration: underline;">exclusions</span>.</strong>  This could present a <strong>serious predicament</strong> for your <strong>agency/company</strong> in the event <strong>“your favored referral”</strong> is one such improperly insured contractor, or, if one of your insured contractors are <strong>sued for a pollution, fungi or bacterial event on a job</strong> even though they <span style="text-decoration: underline;">did not</span> cause the event.  Frankly speaking, this should be a <strong>BIG CONCERN</strong> for <strong>any business</strong> (i.e. #RealEstate, #Property #HOA #Manager, #GeneralContractor, etc.) that refers presumably properly covered vendors or uses sub-contractors with improper Risk Coverage,<em><strong> as “GL coverage only” is no longer enough!!!</strong></em></p>
<p>Please be wary of this to <strong>avoid becoming a “named defendant” in any such case</strong>, or when your insured reports the claim to you and he finds out he is <strong>bare and unknowingly &#8220;self-insured&#8221;</strong>&#8230; <strong> In the case of your referral, you may yourself need to carefully check out your own GL coverage…</strong> In the case of one of your clients, you are now defensible in an errors and omissions case unless you can prove you offered the coverage and they declined.</p>
<p>A proven Risk Manager colleague, Mr. <strong>David J. Dybdahl, CPCU, ARM, MBA</strong> who has significant knowledge gained on <strong>water and mold losses</strong>, who is also a member of the consensus drafting committees of both the <strong>IICRC S500 and S520 professional standards and guidelines for water and mold remediation</strong>, and a trusted “expert witness” in related legal proceedings with a <strong>masters degree in insurance</strong> and <strong>30+ years of experience</strong> insuring contractors, <em><strong>states that there is a huge coverage gap in the General Liability (GL) policy for any claim involving a speck of mold or Category 3 Water!</strong></em></p>
<p>Mr. Dybdahl further points out that to this day<strong>, 80% of “Restoration Firms”</strong> still purchase <strong>traditional GL insurance</strong> policies because they believe it saves them money “short-term”, or, because they have been incorrectly <strong>(or the courts may call it &#8220;negligently&#8217;</strong>) sold the wrong kind of coverage in light of today’s overly litigious world&#8230; <strong><em>Some restoration firms do not even purchase Contractors Pollution Liability (CPL) which seems downright crazy in light of what they do for a living…</em></strong></p>
<p style="text-align: center;"><strong><span style="font-size: x-large;">Does this make you just a little NERVOUS about the credibility of “who you refer”, or, “who you insure”?</span></strong></p>
<p>A <strong>New Jersey Court of appeals case settled in October 2011</strong> confirms Mr. Dybdahl&#8217;s concerns that:</p>
<ol>
<li><strong>The GL policy is not adequate liability insurance on jobs involving Mold or Category 3 Water (any water left improperly mitigated for 6-7 days), and</strong>,</li>
<li><strong>Specially modified Contractors Pollution Liability (CPL) insurance is needed for any firm that may run into water, asbestos, or lead on a job or who may use a chemical treatment of any kind on a project, and</strong>,</li>
<li><strong>The purchase of <span style="text-decoration: underline;">separate</span> GL and CPL policies should be avoided if at all possible. It is far better from a cost and claims standpoint to have the GL and CPL insurance on the same policy form. </strong></li>
</ol>
<p><strong>Mr. Dybdahl found this specific case in Lexis, a data base used by legal researchers. <em>This is the first case this proven Risk Manager has ever seen&#8230;</em></strong></p>
<p style="text-align: left;">The takeaways from this case are: <strong>This was a <span style="font-size: x-large;">$500,000 <span style="font-size: medium;">problem</span></span> for the Restoration Firm</strong>; the case was actually brought by the CPL insurer of the Restoration Firm to try to recover from the GL insurance policy which was issued by another insurance company not related to the company that issued the CPL policy. Because the loss involved mold and a fungicide the GL carrier successfully denied the original claim in court and through the appeals process. If the contractor was on their own fighting their General Liability insurance company for coverage in court, the firm would have needed enough cash to pay the $500,000 plus attorney fees for five years. <span style="font-size: medium;"><strong><em>This case took five years to work through the courts, and the carrier <span style="text-decoration: underline;">denying the loss</span> on the GL won!!!</em></strong></span><strong></strong></p>
<p style="text-align: center;"><strong><span style="font-size: x-large;">Ooops…</span></strong></p>
<p><em><strong>Do you have a favored vendor(s), that owns/owned a company that did (or now wished he had enough business to be doing) construction, renovations or even carpet cleaning, that is now in the Water Damage Restoration business?</strong></em>? Does this sound like anyone you know, a friend from HS or College, perhaps any <strong>struggling “old buddy” business friend</strong> that you may <strong>“regularly refer”</strong> or <strong>“currently insure”</strong> and whom you always feel compelled to always “refer ” <em>purely in the interest of “<span style="text-decoration: underline;">giving back reciprocal business</span>”?</em> <strong>Anyone… Anyone… Bueller?</strong></p>
<p style="text-align: center;"><a href="http://nc-property-damage.com/wp-content/uploads/2012/05/Ponting-Finger-Glow.png"><img class="aligncenter  wp-image-845" title="Ponting Finger Glow" src="http://nc-property-damage.com/wp-content/uploads/2012/05/Ponting-Finger-Glow.png" alt="" width="243" height="243" /></a><span style="font-size: large;"><strong>As a Professional Risk Manager or Business Owner, do YOU take the TIME to <span style="text-decoration: underline;">truly consider</span> the PERILS you <span style="text-decoration: underline;">daily</span> take on YOURSELF?</strong></span></p>
<p>The <strong>IICRC S500 /S520</strong> chart below shows that water (and by inference “water on a floor” or “any water loss”) migrates from “clean water” (Cat 1) to “the bacterial/fungal equivalent of sewage” (Cat 3) in just 6-7 days.</p>
<p><a href="http://nc-property-damage.com/wp-content/uploads/2012/05/Cat-1-Cat-3.png"><img class="aligncenter  wp-image-847" title="Cat 1- Cat 3" src="http://nc-property-damage.com/wp-content/uploads/2012/05/Cat-1-Cat-3.png" alt="" width="380" height="264" /></a></p>
<p>Were you aware that within just a 25 mile radius of Raleigh, NC that there are more than <strong>40 companies</strong> (and growing) that today<span style="text-decoration: underline;"> claim</span> their business is <strong>“Water Damage” clean up (a.k.a. mitigation)</strong>? This is Water that can turn the materials that ALL homes and businesses are made of into a <strong>“MOLD loving paradise”</strong> in just <strong>24-48</strong> <strong>hours</strong>, and then <span style="text-decoration: underline;">further migrate</span> into the bacterial/fungal equivalent of <strong>“SEWAGE”</strong> in only <strong>6-7 days</strong>? Yet, the before referenced <strong>“80% of Restoration Firms”</strong> states that only about<strong> “8” of these Raleigh, NC</strong> area companies that are<em> statistically likely to be properly insured to be operating this kind of truly specialty business…</em></p>
<p>We are proud, honored and clearly business savvy enough to be “<strong>one of the elite eight”!</strong> How about your current favored vendor? <em><strong>Do you just hope so, <span style="text-decoration: underline;">or do you really know for sure</span>?</strong></em></p>
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<dt class="wp-caption-dt"><a title="Kevin Oakley LinkedIn Profile" href="http://www.linkedin.com/in/kevincoakley"><img class=" wp-image-867" title="Kevin Oakley Business Photo" src="http://nc-property-damage.com/wp-content/uploads/2012/05/Kevin-Oakley-Business-Photo.jpg" alt="" width="144" height="168" /></a></dt>
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<p style="text-align: center;"><strong>Kevin C. Oakley</strong></p>
<p><strong>The Kevin Oakley PuroClean Property Rescuers NC firm </strong>(my family owned and operated business)<strong> is <span style="text-decoration: underline;">correctly insured</span> for ALL KNOWN RISKS associated with Emergency Water Damage Mitigation, Microbial Growth Remediation and Property Damage Restoration and is definitely <span style="text-decoration: underline;">one of the properly insured minority in this area</span>… Please take a moment to review our current Certificate of Insurance coverage below:</strong></p>
<p><a href="http://nc-property-damage.com/wp-content/uploads/2012/05/PUROCLEAN-PR-NC-PROPERTY-CERT-A-sm.png"><img class="aligncenter  wp-image-846" title="PUROCLEAN PR NC PROPERTY CERT A sm" src="http://nc-property-damage.com/wp-content/uploads/2012/05/PUROCLEAN-PR-NC-PROPERTY-CERT-A-sm-822x1024.png" alt="" width="592" height="737" /></a>If you, or your customers have yet to experience the q<strong>uality customer service, certified and trained expertise, college educated professionalism, all of which has been proven to maximize customer retention and lower your aggregate claim losses,</strong> you should <strong>feel completely comfortable referring <span style="text-decoration: underline;">our firm</span> to your customers with CREDIBLE “ALL RISKS COVERED” CONFIDENCE.</strong> In return, as true believers in the<strong> “Giver’s Gain”</strong> philosophy, <strong>WE WILL DELIVER</strong> <em><strong>the gift of true customer satisfaction that will allow you to open more commission checks!</strong></em></p>
<p style="text-align: center;"><strong><span style="font-size: x-large;">Give Us a Shot &amp; We’ll Show You How: (919)762-3100</span></strong></p>
<p><em><strong>You will be very glad that you did…</strong></em> Please let me know if you have any further questions at your convenience. <strong>My personal cell phone is: (919) 621-8646.</strong></p>
<p style="text-align: center;"><strong><span style="font-size: x-large;"><a title="View Our 1 Minute Video Right Here, NOW" href="http://youtu.be/Chp_7Bw7Ehs ">View Our One Minute Video Overview Right Now!</a></span></strong></p>
<p> Thank you your careful consideration of this information.</p>
<p><strong>Very truly yours,</strong></p>
<p><a href="http://nc-property-damage.com/wp-content/uploads/2012/05/5-12-2012-12-18-41-PM.png"><img class="size-full wp-image-865 alignleft" title="5-12-2012 12-18-41 PM" src="http://nc-property-damage.com/wp-content/uploads/2012/05/5-12-2012-12-18-41-PM.png" alt="" width="101" height="47" /></a></p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><strong>Kevin C. Oakley, CRMR</strong><br />
<strong>Certified Residential Microbial Remediator</strong><br />
<strong>Owner/General Manager</strong><br />
<strong>PuroClean Property Rescuers NC</strong><br />
Serving: <strong><span style="color: #000080;">Wake, Johnston, Harnett, Lee, Wayne,</span></strong><br />
<strong><span style="color: #000080;"> Chatham, Orange, Durham &amp; Surrounding</span></strong><br />
Toll Free: (866) 970- PURO (7876)<br />
Office Direct: (919) 762-3100<br />
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		<title>Tell Us More About Water Damage and Insurance Coverage&#8230;</title>
		<link>http://nc-property-damage.com/water-damage/water-damage-insurance-coveage/</link>
		<comments>http://nc-property-damage.com/water-damage/water-damage-insurance-coveage/#comments</comments>
		<pubDate>Thu, 26 Apr 2012 20:07:05 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Water Damage]]></category>

		<guid isPermaLink="false">http://nc-property-damage.com/?p=804</guid>
		<description><![CDATA[What kind of Insurance coverage do I have for Water Damage? Water damage is one of the most common reasons people make claims on their home insurance.  Did you know that 22 out of 1000 homes suffer a water damage related loss each year?  Water heaters malfunction, pipes rupture, drains back-up, various appliances leak and [...]]]></description>
				<content:encoded><![CDATA[<p style="text-align: center;"><strong><span style="font-size: medium;">What kind of Insurance coverage do I have for Water Damage?</span></strong></p>
<p>Water damage is one of the most common reasons people make claims on their home insurance.  Did you know that 22 out of 1000 homes suffer a water damage related loss each year?  Water heaters malfunction, pipes rupture, drains back-up, various appliances leak and both crawlspaces and basements flood regularly.  All of these water damage events and more drive people to discover the facts of their home insurance policies in detail.</p>
<p>&#8220;Water damage and homeowners policies can be a volatile issue in many ways,&#8221; says Don Griffin of the Property Casualty Insurers Association of America, a trade group. &#8220;Generally, the damage caused by water will be covered, but whatever causes the damage — say, a leaking dishwasher hose — may not be.&#8221;</p>
<p>Although your insurer might pay to replace a carpet damaged by your refrigerator leak, you probably have to replace or repair the ice maker supply line at your own cost.  If an unexpected sudden problem such as a frozen pipe leads to water damage, your home insurance covers repairs to both the broken pipe and your home and furnishings.</p>
<p>The following is the first of several articles related common water-damage scenarios and their insurance consequences.</p>
<p style="text-align: center;"><a href="http://nc-property-damage.com/wp-content/uploads/2012/04/Washing-Machine-Hoses-copy.png"><img class="aligncenter size-large wp-image-825" title="Washing Machine-Hoses copy" src="http://nc-property-damage.com/wp-content/uploads/2012/04/Washing-Machine-Hoses-copy-1004x1024.png" alt="" width="482" height="491" /></a></p>
<p style="text-align: center;"><strong><span style="font-size: medium;">Updated Washing Machine Hoses&#8230;   Really Cheap Insurance&#8230;</span></strong></p>
<p>Your washing machine overflows, flooding everything on that level of your home (and all lower levels as well).</p>
<p><strong>Are you covered?</strong> <strong>Yes&#8230;</strong>  Depending on your home insurer&#8217;s view of the problem: Did you fail to maintain the washer properly or did sudden, accidental damage cause the flood?</p>
<p>&#8220;Most of the time, if an appliance breaks and water goes all over, insurance covers it. In the case of a washing machine (which is the #1 water damage claim source) you might need to purchase replacement parts out of your own pocket because they were not maintained correctly, but the damage to your home, which could be significant,  is covered,&#8221; says Griffin.</p>
<p>Consider replacing hoses to major appliances such as your washer and dishwasher every two to five years.   Updating to stainless steel, so-called &#8220;burst-free&#8221; hoses <strong>(for ONLY$10-$20, BTW)</strong> has been proven to have a proving a much longer lifespan than other hose types. When you go on vacation or even a short business trip, turn off the water to your washer while you&#8217;re out of town. Many homeowners have returned from even a short trip to find their washer hoses have burst, flooding their homes.  A  pressurized hose that has burst spurting water at a typical rate of 5-7 gallons per minute = approximately <strong>10,000 gallons of  water</strong> in 24 hours.  If you are away for few days, <strong><em>expect to find your second floor laundry room now inconveniently relocated to your first floor&#8230;</em></strong></p>
<p>An excellent DIY video on how to avoid this #1 water damage peril can be viewed below:</p>
<p><iframe src="http://www.youtube.com/embed/GAcncD6Ww5w?rel=0" frameborder="0" width="640" height="480"></iframe></p>
<p><strong>If we can ever answer any questions for you on this or any related subject matter from our website, please call call (919)762-3100.</strong></p>
<p>About the blogger, Kevin Oakley is the Owner of PuroClean Property Rescuers NC (PPR-NC) which is located in the Stephens ACE Hardware Store building (Suite 151) at 405 Broad St., in the Varina District of Fuquay Varina, NC.  Kevin&#8217;s business specializes as a <strong>&#8220;subject matter expert&#8221; Insurance Claim Contractor</strong>,  focusing on the 24/7 emergency structural drying, clean-up/mitigation and restoration of residential and commercial property damage caused by Water, Sewage, Mold, Fire, Smoke and Bio-hazards servicing all of the Piedmont and Eastern NC.  The company is Certified by the Institute of Inspection Clean and Restoration (IICRC) Firm and they are also American Council <a id="_GPLITA_1" title="Powered by Text-Enhance" href="http://inside919.ning.com/profiles/blogs/q-a-what-s-an-easy-way-to-find-out-if-your-house-maybe-has-mold#">Accredited</a> Certified Residential Microbial Remediators (CRMR).  PPR-NC does not perform Indoor Air Quality or Surface Sampling for credibility reasons but works with only Certified Environmental Scientists that are accredited with American Industrial Hygiene Association (AIHA) and/or are both Certified Mold Inspectors and Certified Indoor Environmental Professionals.  Please contact directly for details, please visit his website at: <a href="https://nc-property-damage.com/" rel="nofollow" target="_blank">https://nc-property-damage.com</a> or <a href="http://ppr-nc.puroclean.com/" rel="nofollow" target="_blank">http://ppr-nc.puroclean.com</a>, call (919)762-3100 or email: kevin.oakley@puroclean-wake-nc.com.</p>
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