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Broken pipe and Water damage example
Another example is if something that happened gradually, like a broken pipe, or a broken water tank, or a washing machine breaks due to (unexpected) wear and tear. The actual pipe itself, or washing machine will not be covered. However, the resulting damage from the sudden breakage may be.
What does the term “Resulting Damage” mean in Insurance?
The resulting damage is a different than the initial damage. For example, if water damage resulting from a broken pipe, or appliance is listed in your wording as covered, then you may be compensated for a portion of the damages caused even though the deteriorated pipe replacement or a new appliance would not be covered. This is an example the cause of the damage not being covered, but the resulting damage being covered
Remember to stay LOW!
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If you can see smoke in the house, stay low to the ground as you make your way to the exit. In a fire, smoke and poisonous air hurt more people than the actual flames do. You'll breathe less smoke if you stay close to the ground.
Smoke naturally rises, so if there is smoke while you're using your escape route, staying low means you can crawl under most of it. You can drop to the floor and crawl on your hands and knees below the smoke.
Know How to Get Out of the House
Getting out through a door that leads outside should be your first choice as an escape route. But also ask your parents about windows and if they would be possible ways to get out. Even windows on a higher floor could be safe escape routes if you had help, like from a firefighter or another adult.
Ask your parents to teach you how to unlock the windows, open them, and remove the screen, if needed. Make sure you only do this in an emergency! Lots of kids are injured because they fall out of windows.
Sometimes, families even have collapsible rescue ladders that can be used to escape from upper floors of a house. If you have one, ask your mom or dad to show you how it works.
Besides planning your escape routes, you'll also want to know where family members will meet outside. This is helpful because then everyone shows up in one place and you'll know that everyone is safe. You might choose the front porch of a neighbor's house or some other nearby spot.
Are you Covered for Weather AND Water Damage?
Does your home insurance cover weather and water damage?
Winter storms, spring thaws, cold snaps, and other weather variations can severely damage your home. Luckily, this damage is often covered by your home insurance.
Consider that in 2018, winter storms caused an estimated 2 billion dollars in insured losses according to Impact Forecasting, a company that analyzes catastrophe risks. As weather patterns change, bringing harsh conditions with them, claims for weather-related damage are likely to increase.
Insurance for Weather Damage
When wild weather hits your home, you may be able to make a claim. Your ability to do so depends on the type of policy you have and the perils it covers or excludes. But in the case of covered damage, compensation from your insurance company will help you cover your losses, so you can repair your home and move on.
Get Your Hurricane Season ERP!
Hurricane season is officially in swing, and so is cooler weather (hopefully? maybe?) and with that cooler weather brings rain and thunderstorms. Are you and your commercial business ready for the rainy weather? If you aren’t, give us a call today and we can set up an appointment with one of our representatives to come out to start an ERP, which is short for Emergency Ready Program. ERPs are free to you and help us establish a plan of action in the event your office is flooded by water. We can identify where vital things are in your building like water shut offs.
Fire and water damage can cause your business to lose a ton of money, and some businesses don’t even reopen after a disaster. Make sure you’re protected and call us today at 281-342-5326!
Replacing Damaged Wood
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All severely warped wood (particularly flooring), rotting wood and wood that has developed mold/mildew problems will need to be replaced. Pry apart damaged boards and thoroughly clean beneath them before replacing them. And if the wood is a structural component of your house, you must be very careful when replacing it so that the structure has the right support during and after the water damage repair project.
Install new, sealed floors
From wet carpets to swollen floorboards, it’s often evident when water has damaged your floor but if you aren’t sure, it’s important to check immediately in case moisture has become trapped underneath. Note that underlayment and padding are particularly susceptible to water damage and must usually be removed. However, this also presents an opportunity to install new, waterproof flooring in the area. Ceramic tile, high-end vinyl and certain engineered wood materials can all help protect floors against future water damage repair.
Prepare For The Storm!
If conditions are right for a hurricane in your area, this is how you can prepare:
- Stay tuned to local radio and TV for warnings, safety announcements or instructions.
- Invest in a portable battery-operated or hand-crank radio.
- Turn off all utilities, including propane tanks.
- Cover all of your home’s windows with storm shutters or 5/8” marine plywood, cut to fit and ready to install. Even duct tape – amazing as it is – doesn’t prevent windows from breaking.
- If it’s safe, move outdoor furniture and grills inside. They can be deadly flying debris.
- If emergency officials haven’t directed you to a public shelter, get your family to the basement, a closet, a small room or a hallway away from windows. The more walls between you and the outside, the better.
- Lean a mattress against the wall of the room you're in.
- Don't open your windows. Keep the wind and rain outside.
- Hand out flashlights. The hurricane will probably disrupt electrical service.
During and After the Hurricane
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During a Hurricane
If you are have not evacuated, go to your safe room. If you do not have a safe room, follow these guidelines:
- Stay indoors and away from windows and glass doors.
- Close all interior doors—secure and brace external doors.
- Keep curtains and blinds closed. Do not be fooled if there is a lull; it could be the eye of the storm—winds will pick up again.
- Take refuge in a small interior room, closet, or hallway on the lowest level.
- Lie on the floor under a table or another sturdy object.
After a Hurricane
Recovering from a disaster is usually a gradual process. Safety is a primary issue, as are mental and physical well-being.
- Let your friends and family know that you are safe.
- Do not return home unless authorized to avoid electrical hazards and other dangers.
- Do NOT drink tap water unless authorized to do so.
- Check the temperature in your fridge or freezer. Anything that has remained at 40 degrees Fahrenheit or colder is safe to eat. Otherwise, throw it out to be safe.
- Also, throw away ANY food that has come in contact with flood waters which may carry waterborne diseases, chemicals, etc. Better safe than sorry.
- Document any damage with photos and contact your insurance company.
- In your home, immediately remove or air out water-damaged items. It’s critical to minimize the chance of mold growing in your home.
- Do NOT drive or walk through floodwaters which may be electrically-charged and filled with contaminants; just six inches of moving flood water will knock a grown man down. Do NOT underestimate the power of moving waters.
Spring Time Mold Humidity!
With spring storms come humidity, and humidity comes mold especially if you’ve had a recent water loss in your home. Ideally, the air conditioning in your home should keep your home at a comfortable humidity level, however when the air is thick and soupy outside, we all know that can sometimes be impossible.
The humidity in your home also rises when you have a water loss, after all, standing water in your home evaporates into the air as it dries. Mold likes this humidity, as well as the wet flooring/drywall that you may have in your home due to flooding. It’s extremely important to get the water in your home extracted and dried as quickly as possible to prevent future mold growth.
If your home has suffered water damage that has led to microbial growth, give SERVPRO of West Fort Bend County a call today at 281-342-5326!
Understanding what conditions mold likes to grow in can help you prevent mold growth in your home or office. Mold can be found nearly anywhere on earth – both indoors and outdoors; usually a few mold spores here or there won’t cause any issues, but if the spores are able to settle and begin growing, they can cause problems.
Mold likes warm, humid conditions. Sometimes, simply having a few extremely humid days in a row will provide the right conditions for mold to grow. Common issues that can lead to excess moisture also include burst or leaky pipes and excessive rainfall. Once mold spores land in a habitable area, they can begin to grow and cover the area in as little as 48 hours.
If you have water damage in your home, make sure it is cleaned up quickly and properly. Call us today to ensure that all areas of your home or office meet dry standards. If mold has already begun growing, our experts can handle that too! We even have specialized formulas to get rid of mold and keep it from coming back. Give us a call today at 281-342-5326 to see how we can help you!
We Are Here To Help!
Fires are devastating and can mean so much heartache and headache for your home. We know that, and that’s why we make it our mission to treat every fire with the care and compassion needed to make sure that your fire is handled in a quick, professional, and caring manner. We treat every fire the exact same, whether it’s a huge office building, or a small home. We want our customers to make sure they feel heard and understood with their concerns. We work hard to bring your home back to preloss conditions and will clean everything top to bottom in the affected area. We will even wash your textiles for you if they’ve got a gross soot smell to them.
If you’ve been affected by a fire, give us a call today at 281-342-5326!