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3 Plumbing Noises That Could Lead to a Broken Pipe

11/24/2021 (Permalink)

Carpet has been removed, wet floor. Concept of water damage. Richmond Heights water damage

Plumbing Noises Can Lead To a Broken Pipe

Did you know that the noises your Richmond Heights, MO, house makes could be warning signs of bigger problems to come? Not every sound coming from your walls heralds an upcoming pipe break, but some could point to this type of issue. Use this guide to help you figure out if you should ignore the sound or call in a water remediation team.

1. Knocking

A knocking sound is often caused by sudden pressure changes. When you turn a faucet off, for example, your pipes may rattle because of the reduced pressure. If this hammering only happens once, you probably don't have to worry. However, if the knocking takes place every time you turn a faucet off, it could cause the fastenings to get loosened. This could eventually lead to your plumbing falling out of place, which would require you to fix a broken pipe and potentially clean up flooding.

2. Screeching

A high-pitched whistling or screeching usually indicates there is a blockage somewhere in your plumbing. When the water has to squeeze through a smaller-than-normal opening, the whistling sound is created. Depending on the location and cause of the clog, you may have to worry about a pipe burst. This is usually a bigger concern when the clog is located in the center of your pipes.

3. Ticking

Ticking noises are not always associated with an upcoming pipe break. Sometimes this type of noise is simply caused by hot water traveling through a cooler pipe. However, you may also notice a ticking noise before your exterior pipes freeze over. When you hear ticking, you need to consider the surrounding circumstances to really figure out if it could lead to water damage.

Sometimes houses make funny noises when they settle or when water rushes through the plumbing. Not every unexpected noise you hear will create a pipe break, but it is good to be cautious. Cleaning up after a broken pipe can be time-consuming and cost a lot of money, so it may be better to catch the problem before it reaches a bursting point.

Exceptions to Insurance Coverage for House Fires

11/17/2021 (Permalink)

Severe fire damage inside a home, everything seems burnt Severe fire damage in Oakland, MO.

Two Key Reasons For Policy Exceptions

A fire to your home can be devastating, and even worse when a few bad apples ruin the bunch. Because arson is one of the leading causes of house fires, insurance companies are very scrupulous when it comes to coverage and investigation of home fire claims. Take some time to learn about situations when fire damage may not be covered by insurance. Here are two key reasons for policy exceptions:

1. Fraud

Setting fire to your own home is considered arson. Trying to collect insurance money from an intentionally set fire is criminal insurance fraud. Whenever there is a claim filed for a home fire, your insurance company will be sure to conduct a detailed investigation to find out where the fire started and if fraud was involved.

2. Vacant home

Because fraud and arson are so common, many insurance companies have some coverage exceptions when it comes to a vacant home fire. The definition of a vacant home varies from company to company, but most consider your home vacant if it has sat empty for 30 days or more. This could be a problem for homeowners that are trying to sell a home in Oakland, MO, as well as those that have a vacation home or split time between multiple locations seasonally. Protect your property by inquiring with your agent about their stipulations on vacant homes. Most carriers can offer you additional insurance coverage to protect your property when no one is living there.

It can be overwhelming trying to figure out where to begin to recover from your home fire. Utilizing a knowledgeable and experienced disaster recovery company can reduce your burden by saving you time and money. A professional restoration company is one source for all your needs, reducing your management and interaction with multiple contractors. Insurance companies are also accustomed to working with these professionals, building trust and smoothing the claims process.

What Does Business Interruption Insurance Cover?

11/6/2021 (Permalink)

Insulation from ceiling hanging, leaky roof Leaking roof in Glendale, MO.

Business interruption insurance can offset lost revenue following a fire, storm, or another covered peril. Whether the damage calls for repairs or a rebuild, interruption coverage compensates the owners of a closed business for lost income and ongoing expenses.

How Are Coverage Levels Determined?

A business owner can specify any amount of interruption coverage. A business insurance provider will want to know the

  • Average daily income
  • Ongoing operational costs
  • Risk level
  • Whether a business can operate out of a temporary location

The cost of a rider on a business insurance policy depends on all of these factors. Work with your insurance provider to obtain the level of interruption coverage you need.

Do These Policies Cover Damage?

Interruption coverage is typically an endorsement or rider on a business insurance policy. This additional coverage may not cover closure due to perils that are not covered by the primary policy, such as earthquakes or floods. This coverage also excludes partial closures that only affect a portion of a property and do not preclude continued operation.

Do These Policies Cover Operating Expenses?

Interruption insurance can cover most operating expenses, such as

  • Ongoing utilities
  • Payroll
  • Rent or lease
  • Taxes
  • Temporary relocation costs

It may take between 48 to 72 hours for interruption coverage to kick in. This coverage will continue throughout a period of unavoidable closure or a rebuild until the limit is reached.

How Long Does This Coverage Last?

This coverage should be sufficient to offset losses for at least several business days. It may take longer than you think to reopen a closed business. An insurer can help you determine a suitable policy limit.

Maintain detailed documentation of operating costs and revenue for proof of loss in the event of a business interruption. Your business insurance policy should cover the cost of a rebuild and a commercial damage restoration company in Glendale, MO.

How To Put Out a Small Fire

10/27/2021 (Permalink)

Fire extinguisher instruction labels set. Instruction extinguisher and protection of fire with extinguisher illustration If you have a small kitchen fire, follow these five basic steps.

How to Extinguish a Small Fire

If a residential fire occurs in Ladue, MO, evacuating the home is the safest thing to do. If the fire is small, however, you can keep it from spreading by using a fire extinguisher. While you should still call emergency response units and fire restoration specialists no matter the fire’s size, extinguishing the fire yourself can prevent further fire damage and may even save your home.

1. Noting the Escape Route

Do not let the fire get between you and your way out of the building. If, for example, you have a small kitchen fire, face the flames and turn your back on the kitchen door rather than the cabinets. Keep your distance from the fire. You don’t have to get too close to it for the fire extinguisher to work properly.

2. Pulling the Pin

The pin is the device on the extinguisher that keeps it from accidentally discharging if it is bumped or jostled. Once you remove the pin, it breaks the seal to release the extinguishing agent stored within the tank.

3. Aiming the Hose

The area of the fire you want to target is its base. The point of contact between the burning item and the fire is what feeds it. If you eliminate the base, you are more likely to be successful in putting out the fire.

4. Squeezing the Handle

Once you have lined up the hose with the base of the fire, squeeze the handle. This action draws the extinguishing agent out of the tank and releases it through the hose and onto the fire.

5. Sweeping the Hose

Move your arm back and forth to move the spray across the whole base of the fire. It doesn’t do you any good to put one side of the fire out while the other side keeps going strong. This motion allows you to cover as much area as possible before the contents of the tank run out.

If you have a small kitchen fire, follow these five basic steps. You may be able to save your home in Ladue, MO, with a fire extinguisher.

3 Reasons to Have Electronics Cleaned After a Fire

10/26/2021 (Permalink)

Personal computer burnt If your electronics have been damaged by fire you should contact a company that provides computer cleanup services.

Clean Your Electronics After a Fire

It is easy to forget about electronics when you are concerned about the structural integrity of your business or commercial property following a fire. Yet, exposure to open flames, high heat, and smoke can make computers or other devices short and cause an electrical fire. Here are three reasons to have electronics professionally cleaned following a fire.

1. Smoke damage can corrode circuits and metal components. Even if a computer or another device did not warp or melt due to high temperatures, the presence of smoke can rust circuitry and other components. This makes these devices unreliable and potentially unsafe to turn on or use.

2. Electronics exposed to fire or smoke may short circuit or fail. If you do power on a computer or device that was in a commercial property during a fire, you may raise the risk of another electrical fire. These devices can short circuit or malfunction and should not be used until they have been cleaned or as much data as possible has been backed up and transferred to a replacement device.

3. Exposure to high heat, smoke, and soot can cause data loss. Hard drives are very sensitive. If you attempt to access files or records on a computer or device that has been exposed to heat, fire, or smoke, you may lose valuable data. A company that cleans electronics may also offer backup or data restoration services.

You should never attempt to use a computer or electronic device that has survived a fire, even if it appears intact until an expert ensures that there is no risk of starting an electrical fire. Cleanup specialists can help you determine whether to restore or replace these items. If you are concerned about the condition of the electronics in your commercial property in Ladue, MO, contact a fire damage remediation company that provides computer cleanup services.

Is Mold Damage Covered By a Typical Insurance Policy

10/10/2021 (Permalink)

Black mold spots on white wall Mold growth found in a Clayton, MO home.

Is Mold Damage Covered Under a Standard Insurance Policy?

When you find fungus growth in your Clayton, MO, home, your mind starts to race with the negative possibilities. You've heard horror stories about mold cleanup. You know full remediation can take a while, may cost a lot, and may not stop mold from returning. If you turn to a residential mold cleanup service, you have a better chance of getting rid of the growth and learning how to prevent its return. While working with a professional can help you get rid of the fungus, you may still be wondering how you're going to pay for the cleanup. If you have a special mold insurance policy, you may be in luck. Otherwise, you may have to pay for the remediation out of pocket.

Depends on the Cause

Under some policies, your mold coverage depends on the cause of the growth. Typically, fungus growth is brought on by water damage, including the following:

  • Burst pipes
  • Repeat leaks
  • Drainage problems
  • Basement floods
  • Excess humidity

A standard policy likely won't cover growth brought on by maintenance problems but may cover sudden problems.

Depends on the Limitations

Even if you find out your normal homeowner's insurance does cover some causes of mold growth, you need to keep reading the policy. Some policies have a cap on their mold coverage. This could mean you'll have to pay for the remediation out-of-pocket after you reach a certain number. It could also mean that mold damage may be excluded entirely from the coverage. Other policies may only pay for certain parts of the remediation, such as the testing or cleanup.

Do you want to find out if your fungus growth cleanup and remediation process is going to be covered by your insurance policy? The best way to do this is to get in contact with your insurance provider to learn about your particular coverage. Some remediation team representatives may be able to help you better understand your policy too.

Business Insurance and Water Damage: Answering Three Common Questions

9/27/2021 (Permalink)

Standing water in business. It is tempting to hold tight to your pocketbook and save every penny possible, especially when you run a business.

As a business or property owner, your costs are already pretty extensive, so when you hear that certain insurances are optional, you likely consider turning down the policy. However, in certain instances, like broken pipes and water cleanup that can lead to extensive water damage, having an appropriate commercial property insurance plan can save you money and a considerable amount of time. Therefore, before you write off insurance policies altogether, you may want to ask yourself a few questions.

1. What Will Business Insurance Cover?

Business insurance, or commercial insurance, often cover sudden damages in peril coverage; however, sudden damage does not account for losses caused by the gradual wear and tear of pipes. As a property owner, most insurance companies expect to perform routine maintenance and upkeep, which they may believe prevents this type of damage from occurring.

2. What Won’t Business Insurance Cover?

As stated in the first question, insurance companies likely won’t cover issues caused by what they deem neglect. Issues of gradual leaks, frozen pipes, or mold/mildew growth may not be covered by most policies because the water damage incurred may have been prevented by routine maintenance.

3. Is Business Insurance Really Necessary?

Even though commercial insurance coverage may have some limitations, it is still beneficial and may also be required in the Brentwood, MO, area. However, beyond requirements insurance helps protect against massive losses by mitigating further damage and calling in restoration specialists to help a business return to normal operations.

It is tempting to hold tight to your pocketbook and save every penny possible, especially when you run a business. Cutting costs and improving efficiency are the number one priority of most property owners; however, when it comes to protecting that business and minimizing the risk of water damage, letting loose the purse strings and finding appropriate coverage may be the best idea ever.

Black Water, Not the Trendy Drink: Top Three Questions About Black Flood Water

9/16/2021 (Permalink)

Wet carpet and standing water outside front door. The dangers of black flood water go well beyond the idea of normal water damage.

Water damage is one of many concerns after a flood. The more significant worry is honestly not the damage but the water itself. Many people worry about the effects of floodwater, but few people understand what black water actually is.

1. What Is It?

Water has three levels of classification: category one is clean water, category two is slightly contaminated water, and category three is highly contaminated water. Black water is considered a category three water. This level of classification means that it is water that can now support bacterial growth. Mostly, this type of water is a mixture of sewage, rivers, and rain, making it highly contaminated.

2. Is It Dangerous?

Yes. There is significant water damage associated with this type of water, and it goes beyond damage to material goods. This water is considered highly toxic to both people and animals, and there is evidence to suggest that ingestion is not necessary for producing these adverse effects. Merely inhaling or coming into contact with the water may cause illness or disease, such as hepatitis, gastroenteritis, diarrhea, leptospirosis, and many others.

3. Can You Remove It Yourself?

No. It is not advisable to remove black water on your own. The adverse health effects of the water make it a hazardous substance. Instead of putting your health at risk and attempting to clean up the water yourself, you could check the Oakland, MO, area for restoration specialists who have expertise in dealing with this type of substance. These experts have the appropriate tools, protective clothing, and knowledge to ensure that you get back in your home only when it is safe to do so.

The dangers of black flood water go well beyond the idea of normal water damage. It is a highly dangerous substance that presents a significant health risk to anyone who comes in contact, and should therefore only be handled by experienced professionals.

3 Steps To Treat Shower Mold

9/9/2021 (Permalink)

Mold in shower. These three tips should get rid of your shower mold. If it isn't effective, your best option may be to contact a mold cleaning professional.

It doesn't take long for one small spot of shower mold to develop into a large and unattractive problem. Fortunately, you probably have everything you need at home to get rid of black mold.

1. Mix Up a Baking Soda Paste

For this cleaning method, simply mix a teaspoon of liquid soap into one cup of baking soda and then add enough water to create a paste. If you want, you can add a few drops of your favorite essential oil. Use this gritty paste to scrub away most of the mold. Complete the cleanup by spraying a solution of one-part bleach to two-parts water on the area. Let it sit until it's dry and then scrub it off. Finally, rinse the entire area with hot water.

2. Take Advantage of the Acidity in Vinegar

Pour vinegar into a water bottle and then spray it anywhere you have mold. The acidity in mold creates an environment that doesn't support mold growth. Treat shower mold with full-strength vinegar and let it sit for at least an hour. When the hour is up, wipe the area down with hot water and then thoroughly dry the shower. If you spray vinegar onto areas that tend to develop mold, you should be able to prevent most outbreaks before they happen.

3. Create a Borax/Water Solution

Borax is a popular cleanser that has been around for years. It is affordable and easy to find on the cleaning aisle of your grocery store. Before treating the area with borax, it's best to vacuum up as many of the mold spores as possible with a HEPA-filtered vacuum. Next, use a brush to work your solution of one cup of borax and one gallon of water into the moldy surface. Wipe the solution away and let the area dry completely.

These three tips should get rid of your shower mold. If it isn't effective, your best option may be to contact a Heights, MO, mold cleaning professional near your home.

What Do Hygienists Do?

8/19/2021 (Permalink)

Mold specialist wearing protective gear while removing mold Mold remediation services in Richmond Heights, MO.

What Are the Duties of Hygienists?

Industrial hygienists work to protect individuals and communities by providing precise analysis and informed insight into the environmental effects of known health and safety hazards, such as mold. If you are deciding whether to contact a hygienist to assess mold damage in your home in advance of mold cleaning or mold remediation, you should look for a certified hygienist in Richmond Heights, MO, who specializes in mold.

A hygienist may identify mold based on either or both of these methods:

• Microscopy: This visual method of mold analysis allows specialists to identify the type or genus of the fungus. Depending on the lab, this method may result in an accurate identification in as little as two days.

• Culturing: This method involves growing mold in a petri dish and provides more detailed results, including the subspecies of the mold sample. This method is slower and more costly.

An experienced hygienist can rely on one or both of these methods to help you determine which type of mold is growing in your home. They can also offer professional insight regarding remediation strategies that you should hire specialists to pursue. Some companies that provide mold cleaning services also have certified hygienists on staff. You may want to seek the opinion of an independent hygienist to ensure that a remediation service is making the best choices for your situation. The expertise of a hygienist may be beneficial before and after the remediation process. A hygienist can make sure that all traces of mold have been removed prior to restoration.

Industrial hygienists may be certified by the American Board of Industrial Hygiene or hold other certifications that indicate their awareness of and compliance with industry-wide health and safety standards for mold cleaning. A hygienist may be able to help you make the most informed remediation and restoration decisions as you deal with mold damage in Richmond Heights, MO.