What To Expect From Your Insurance Company After a Broken Pipe
Not many insurance policies will cover the cost to fix a broken pipe in Carthage, TN
You walk into your kitchen and step into an inch of standing water. Upon quick inspection, you discover that a broken pipe under the sink is the cause of the flood. Your mind automatically starts figuring how much this is going to cost. Will your insurance policy cover part of it, and if so, how much?
Your insurance company probably considers plumbing repair to be part of regular home maintenance. Therefore, not many insurance policies will cover the cost to fix a broken pipe. However, the water damage that occurs as a result of the leak is a different story. Most homeowners’ policies cover water damage to:
- Flooring, including tiles and carpet
Your insurance adjuster in Carthage, TN, knows that water damage only gets worse the longer it stands. The company has a vested interest, therefore, in making sure you have the means to fix problems caused by the flood as soon as possible.
While your insurance coverage should take care of the damage to your home, there are certain instances where your claim could be denied. If the water volume is significant and rises quickly, the damage is probably too great to be covered by a standard property policy. You may need to depend on your separate policy designed specifically for flooding in that case. If the adjuster can tell that the damage was caused by a long-term leak that resulted in a broken pipe, or if the pipe broke as the result of improper heating or insulation around it, the insurance company may see this as neglect. Your claim is likely to be denied if it seems that the water damage was caused by your failure to fix an existing problem.
The key to getting your insurance claim accepted after a flood from a broken pipe is timely reporting. Call your agent, and then call water remediation specialists who can start repairs quickly.
Fire Suppression System: Performing a Water Flow Test
A fire sprinkler system is required in commercial properties
Fire Suppression System: Performing a Water Flow Test
A fire sprinkler is a common and often required fire prevention tool in commercial properties. However, it is necessary to test your system at least a couple of times a year and have a full-blown inspection at least once a year. To check your system, follow these four steps.
1. Notify Proper Authorities
If your fire suppression system is connected to a central alarm, then it is necessary to notify the property authorities about your test. While it may not be apparent, a test of your system will notify the authorities, and it will not come through as a false alarm. Reach out to your alarm provider and your local fire department to ensure that they do not respond to the test alarm.
2. Open the Test Valve
Every fire sprinkler system will have an inspector’s test valve. To test the water flow within the system, you merely turn the valve so that it is in line with the water pipe. This will pressurize the system, creating a controlled alarm without dousing your property with water.
3. Wait For Alarm To Sound and Confirm
Once the valve is open, you will need to wait about 60 seconds, at which point the alarm will sound. When the alarm sounds, call your alarm provider to ensure that the signal was received.
4. Close the Valve and Notify Authorities
Once you have confirmed that the alarm is operating correctly, you can slowly close the valve. After the valve is shut and the signal is off, call the fire department and your alarm company to let them know the test is finished.
Additionally, once everything is off, walk your property and check for any leaks that may have occurred during the test. If you find leaks, you can call a fire remediation specialist in the Cookeville, TN, area for not only the fire sprinkler cleanup but also to replace any damaged lines.
A fire sprinkler system is a lifesaving piece of equipment. Performing water flow tests and scheduling annual inspections will ensure the functionality of your system for years to come.
3 Steps for Minimizing Water Damage
Flooring damaged by water loss in a Cookeville,TN kitchen
3 Steps for Minimizing Water Damage
It doesn't take long for a kitchen leak to turn into kitchen flooding. When you have unwanted water in the home and while you're waiting for water damage restoration professionals to arrive, take the following steps to minimize or prevent damage. After addressing immediate circumstances, don't forget to contact your insurance agent.
1. Maintain Safety
Determine whether it's safe for you and your family to remain in the home. Sometimes flooding water in home settings leads to slips and falls or electrical hazards. Be careful about lifting water-logged objects. Stick to repair tasks that are you know are safe; don't mess with gas supply lines or work in areas where water and electricity are both present.
2. Shut Off the Water
Most of the water-related repairs you do in your home won't require more than shutting of the indoor supply valve. However, you should also know where your main water supply is located. There should be an indoor cutoff valve beneath the fixtures in your home. For instance, if you're completing a kitchen repair, check under the sink for a knob connected to the water pipes. The shutoff switch for many appliances, such as the dishwasher, is located on the appliance itself.
3. Remove Excess Water
Mop or vacuum water (with a wet-dry shop vac) as quickly as possible to prevent water from sitting on wood or carpeted floors. Remove wet furnishings and set up as much ventilation as possible to get the area dried out. Portable items, such as rugs, fine art, couch cushions, small tables, and appliances, should be carried into a dry area to prevent further risk of damage.
Water damage restoration professionals can do a lot toward getting your home back into good condition. When you take quick action to turn off the water and clean up as much of the flooding as possible before the Cookeville, TN, professionals arrive, your home will be in even better shape.
Helpful Hints to Minimize Fire Risks While Cooking
Don’t overfill your pans with oil when you cook on the stove
Of all the rooms in your home where you gather and spend time, the kitchen may be the most popular. Not only do you prepare and eat meals here, but it’s a common place to visit with one another and with visitors. It shouldn’t surprise anyone to know that fires occur here often. Many of these mishaps start due to poor cooking techniques or simply not paying attention while at the stove or oven. Here are some tips to help avoid fires from starting in your Carthage, TN, kitchen.
Make Sure Your Appliances Are in Tip-Top Shape
You no doubt use your stove, oven and other kitchen appliances frequently. Over time, like anything else, they’ll begin to falter. Faulty appliances are a big cause for fire damage. Make sure they are working properly and efficiently.
- Have a trained professional service your oven and stove if you detect any issues.
- Service your appliances if they are more than 10 years old.
- Clean your appliances, including the toaster, regularly.
Be Careful With Grease
If you enjoy frying foods, you probably use some type of cooking oil. While this can help concoct some delicious meals, it can also lead to a grease fire. Don’t overfill your pans with oil when you cook on the stove. Also, make sure you promptly clean up any cooking oil spills.
Don’t Walk Away
It’s easy to let ringing phones, television shows, knocks on the door or needy children distract you. However, don’t ever leave your food unattended on the stove. Heat can build up quickly and can ignite and catch fire nearby. Of all the tips to help prevent fires
Watch out for Towels
People typically hang towels near the oven or stove. If you do this, make sure they are far enough away that they don’t pose a hazard.
If you have to call in an expert to clean up after a fire, there are trained professionals who can help. However, if you are aware of these tips, you can keep your kitchen and home free of fire concerns.
How Do I Know If I Have Mold?
Musty mold odor call a mold restoration company in Gordonsville,TN
Finding out if you have mold is easy if it’s where you can see it. But mold is tricky and likes to hang out in the dark, damp spaces many business owners never think to check. You can’t check everywhere, so how can you figure out if you have mold? The best way is to hire a Gordonsville,TN, indoor environmental specialist. If that’s not an option, here are some tips to figuring out if you have mold.
You Have Allergic Symptoms
The full health threat of mold is unclear, but it’s pretty well accepted that mold can trigger allergic reactions. Those include:
- Sore Eyes
- Nasal Congestion
and more. If you or your employees have allergies that only seem to crop up when you’re inside, there’s a good chance there could be mold growing somewhere in your building. An indoor environmental specialist can help you make a clear determination.
Musty, Mold Odor
Believe it or not, a moldy smell is often the only hint that these pesky spores are growing in your building. A mold smell is best described as musky, damp and mildew-like. It may tickle your nose, or simply be unpleasant. Either way, don't ignore mold odors even if you can’t see mold. Have an expert do a basic examination and a mold test sooner rather than later.
Signs of Water Problems
A lingering drip, condensation on pipes – there are lots of little things businesses learn to ignore because they aren’t causing trouble. But long-term moisture problems will almost always lead to mold growth over time. If you have known water problems, however minor, you might want to have an indoor environmental specialist take a look.
Detecting mold requires vigilance. Talk to your local mold specialist and keep your eyes open for the subtle signs to learn how to spot and shut down mold before it really gets started.
4 Things Property Owners Should Do After a Fire
Board up in Carthage,TN
Cleanup and Recovery Process After a Fire
A fire at a commercial building may result in the partial or total loss of property. Owners or tenants may also be confronted with the loss of revenue during the fire restoration process. Property owners should follow these four steps to facilitate the cleanup and recovery process.
1. Contact the Insurer
Building owners should immediately contact commercial property insurance providers. Fire damage is usually covered by these standard policies. Depending on the condition of the property, owners or tenants may also want to file a business interruption claim if they have this rider on their commercial insurance or separate interruption insurance coverage.
2. Document the Damage
Owners should try to obtain photographic or video footage of the property to support a fire insurance claim. Wear personal protective equipment such as a mask and try not to touch any contents while obtaining documentation. Spread out towels or other coverings to avoid grinding soot and ash into flooring.
3. Board Up and Secure the Premises
Insurers require that property owners take measures to mitigate fire damage. An owner can do boarding up or tarping with at least one other person, or rely on the expertise of mitigation or fire restoration professionals. Mitigation may involve boarding up missing windows with plywood, covering damaged portions of the roof with tarp, and putting up security fencing.
4. Set Aside Damaged Contents
Property owners may also want to begin sorting through contents to determine whether items are candidates for smoke cleaning or must be disposed of and replaced. This process can help owners file an accurate claim, obtain sufficient compensation for losses, and restore properties to pre-fire condition.
All of these measures can lay the groundwork for the cleanup process following a fire at a commercial building in Carthage, TN. A fire restoration company can repair damage and help owners or tenants get back to business.
3 Safety Tips for Driving on Flooded Roads
Driving in Algood,TN can be a challenge, especially when you encounter a flooded street
Safety Tips To Keep In Mind To Ensure You Get Home Safely
Flooding in Algood, TN, can cause widespread damage to homes and other properties. However, few things are as fraught with danger than a flooded street. Water depth and swiftness can be difficult to gauge when driving and both can cause your vehicle to become trapped or swept away. If you encounter a flooded road while driving, there are a few safety tips you can keep in mind to ensure you get home safely.
1. Watch for Signs and Barriers
If strong thunderstorms have caused localized flooding, be aware of caution signs that alert drivers of dangerous areas. If you encounter a barrier across a flooded street, obey the posted signs that accompany it and turn around or follow any detour signs to avoid driving through the flooded area. Follow any directions flood damage and remediation service technicians give you if they happen to be working in the area.
2. Avoid Driving Through Standing Water
One of the most important travel tips to keep in mind while driving during a flash flood is to steer clear of standing water. This includes large puddles you might encounter in parking lots and highways. The depth of the water can be difficult to judge and could disable and damage your car if you try to drive through it. Flooded roads can also develop deep potholes and structural weaknesses that might cause you and your vehicle to become stranded.
3. Try to Reach Higher Ground
If you are driving on a road that starts to flood, try to drive in a direction that will take you to higher ground. If water levels start to rise, it is a good idea to pull over and move uphill on foot, away from flash flood waters, as your car’s tires may lose contact with the road if the water gets too deep.
Driving in Algood, TN, can be a challenge during heavy rain, especially when you encounter a flooded street. Knowing how to stay safe can help you reach your destination without injury or damage to your car.
Fire Safety: Understanding the Main Types of Smoke Detectors
Purchase your smoke detector at Smithville,TN
A smoke alarm sounds like a simple enough purchase, but when you get to the store, you are confronted with several models and terms like photoelectric, ionization and dual sensor. What does any of that mean? Well, keep reading to find out.
1. Photoelectric Alarms
A photoelectric smoke detector may be best known for its accuracy and durability. These alarms utilize a small strobe light within the housing, and when smoke enters the covering, the light is reflected toward an internal sensor that triggers the alarm. These detectors have less false alarms than ionization models because the deflection requires larger smoke particles, like those created in electrical or other common house fires.
2. Ionization Alarms
An ionization smoke alarm works by electrifying the air that enters the chamber, and when smoke enters the housing, the current is interrupted causing the alarm to sound. Unfortunately, these alarms are triggered by smaller smoke particles, meaning that false alarms do occur, especially in areas like kitchens.
3. Dual-Sensor Alarms
A dual-sensor alarm is precisely as it sounds, it is a combination of both the photoelectric and ionization alarms, making it one of the best devices for smoke detection. Unfortunately, the increased performance also comes with an increased priced tag.
4. Beyond Alarms
Many consider fire safety a significant part of home and family safety, but it goes beyond the purchase of smoke detectors. A safety plan should include evacuation routes and regular family safety meetings. Additionally, it doesn’t hurt to hire a company in Smithville,TN, that specializes in emergency planning to help you prepare for a worst-case scenario.
While it seems like a simple tool, every smoke alarm has specifications that make it useful for only certain types of situations. A photoelectric alarm is best suited for dense, slow-burning fires while an ionization alarm is designed for quicker moving fires, like grease and paper. A dual-sensor alarm may be your best choice of alarm, but the price is more. No matter your decision, just know that preparation and detection can be critical to your safety.
How Smart Business Owners Prepare for Emergencies
Evacuation procedure, including escape routes in Carthage,TN
If you are like most business owners in Carthage, TN, you want to do what you can to protect your business from catastrophe. Of course, safeguarding your building and other physical assets is only part of the equation. You also must take steps to ensure your employees and customers are safe during an emergency. By taking your routine fire drill to the next level, you increase your odds of avoiding disaster.
Develop an Emergency Action Plan
Business owners have a duty to protect their employees and customers from injury. Before planning your drill, you must draft an action plan. To comply with OSHA regulations, business action plans must include at least the following components:
- A procedure for reporting emergencies
- An evacuation procedure, including escape routes
- A description for continuing essential operations
- A method for accounting for employees during the situation
- An assignment of rescue and medical duties for designated employees
- A detailed list of contact personnel inside and outside the organization
Hold Periodic Drills
Your organization’s action plan is only good if your employees know how to implement it. The best way to train your employees is to hold a fire drill. During the drill, encourage employees to follow the action plan completely. You may also want to collaborate with emergency responders to make the drill as realistic as possible. Remember, planned drills are usually not as good as surprise one.
Evaluate the Success of Your Action Plan
After you complete a drill, you must have a method for evaluating its success. Ask each department to prepare a report card. Then, look for holes in your action plan. If the plan needs rewriting, do so before your organization’s next drill.
While you can probably use a restoration service to repair your business after a catastrophe, you can’t replace human life. With a complete action plan and a regular fire drill schedule, you can likely boost your odds of keeping everyone in your company safe during a disaster.
What to Do About Crawl Space Water
Air mover on a water damage in a Cookeville,TN home
When you live in Cookeville, TN, finding a wet crawl space in your home may not be something you immediately think can cause problems in your home. However, if left unattended water in the crawl space can lead to foundation damage and eventual mold growth.
Reasons Crawl Spaces Get Water
While it seems like a small area to worry about, discovering water in the crawlspace is not uncommon. Finding flooding in your crawl space can happen for several reasons.
- Broken water lines
- Subterranean water
- Heavy storm rains
- Improper drainage from downspouts and gutters
- Improper sloping of landscaping
- Over watering of landscaping
The first two in this list are perhaps what most people think crawl space water is from. However improper drainage from spouts and landscaping, and over watering can be equally culpable, and more preventable.
How to Deal With Crawl Space Water
If you find you have a wet crawl space or potential flooding issue it’s best to contact a professional to deal with the problem. They can assess the area containing flood water, and do what's needed to take care of the problem, find the water’s source, repair any damages, and further protect your home.
Tips for Preventing Water in the Crawl Space
There are a few things you can do to help prevent flood damage in your crawl space on your own. You can grade your landscaping so it slopes away from your home, and include irrigation or base layers into your gardens or flower beds to help direct water away as well. Also ensure all hoses have been turned off after the watering is completed. Downspouts should include a back-splash and be angled away from the building, while regularly cleaning and maintaining gutters can help prevent water overflow that pools around the home’s foundation.
If you find you have a wet crawl space it’s best to quickly contact a professional to discover the root of the problem. Remember, there are thing you can do to protect your home as well.