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Who Pays for a Broken Pipe?

2/18/2020 (Permalink)

Air mover. Drying equipment. Water restoration Water restoration in Manchester, MO

Who is Going To Fix it, and Who is Going To Pay For it? 

A large water stain or sudden flood in your home in Manchester, MO, is a sign that something sudden and unexpected has occurred. If it happens near an area where parts of your plumbing system are located, it may be a broken pipe. Two thoughts run through your head - who is going to fix it, and who is going to pay for it?

Damage Control
The first priority when you have a flooded home is protecting your property. Turn off the water that is supplying the broken pipe, and then make some calls. There are three people you need to call when a pipe bursts:

  • Plumber
  • Water restoration experts
  • Insurance company

The plumber can fix a broken pipe, taking care of the source of the problem. The restoration professionals fix the damage caused by the sudden surge of water. The insurance company can help you sort out how to pay for it.

Repair Expenses
A lot of flood damage is covered by your basic homeowner's policy. If the damage is the result of a sudden accident within your home, your provider should cover the cost of tearing out ruined materials, repairing damaged parts of the structure and restoring your home to its original state. The cost of repairing the pipe itself, however, will likely fall to you. Pipe repair is considered by most insurance companies to be part of home maintenance. As such, it does not warrant compensation from your insurance coverage. You may be able to work out a payment plan with your plumber if you cannot pay the entire amount up front.
When you have a flood in your home, the first step is locating the source of the water. An accident that causes a sudden burst of water can wreak a lot of havoc in a short amount of time. Knowing what to expect as far as expenses go can help you budget better for such emergencies.

5 Steps To Take After a Pipe Break

1/31/2020 (Permalink)

Water loss in a warehouse Commercial water loss in Bridgeton, MO

5 Steps To Take After a Pipe Break

5 Steps To Take After a Pipe Break

If you think your Bridgeton, MO, business may be at risk for bursting pipes, there are a number of things you can to help mitigate the issue. Calling a professional beforehand to inspect the plumbing can help ensure that repairs are made before water damage occurs. However, sometimes a broken pipe can still occur. Here are five steps you can take if that does happen.

1. Turn Off the Water

Before you can fix broken pipe issues, you will need to ensure that the water to the affected area is turned off. This will prevent further flooding until the source of the pipe break can be located and fixed.

2. Begin Flood Water Removal

Once the water is off it’s important to begin the removal of any flood water as quickly as possible. For large scale jobs you may want to use a pump, but for small leaks towels and a squeegee may be enough.

3. Call a Professional

When dealing with bursting pipes you may want to contact a local water damage restoration service as quickly as possible. These professionals can help with water removal, drying the area, and repairs.

4. Dry the Area

Once the water has been removed the affected area will need to be thoroughly dried. A dehumidifier may help with this process as it can help pull moisture from the air..

5. Begin Restoration

After the water is removed and the area dried you can begin the restoration process. Your water damage team should also be able to help with this part of the process.
If your business does encounter water damage in Bridgeton, MO from bursting pipes, there are a few things you should do. Turning off the water, beginning the removal of flood water, and calling a professional should be first. After which you can begin to dry the area and make repairs.

How Disaster Cleanup Companies and Insurance Providers Work together

1/22/2020 (Permalink)

Electronic insurance claim form How to file a claim

When a disaster hits your office building in Country Life Acres, MO, there are a lot of moving pieces to help get your business back on its feet. Not only do you need to choose the right professionals to help you clean up and rebuild, but you rely on your insurance company to cover the costs of the damage. A professional emergency restoration company and your commercial property coverage are essential in storm restoration and other incidents.

How To File a Claim

You purchase property insurance and supplemental insurance to come through in perilous times such as after flood damage, fires, and severe weather. Covering the costs to clean up and rebuild on your own could be too much to bear. To properly file a claim, follow these important steps:

  • Take photos of the damage.
  • Make note of the extent of the damage, including how it happened, where it happened and what was affected.
  • Call your insurance agent and report the incident; provide the information you gathered.
  • Hire a professional cleanup and restoration team and inform your provider.

Advantages of Hiring the Restoration Crew First

When you file a claim, your insurance company will want to know what your cleanup plan is and what the storm response will be. When you put the restoration company in touch with your insurance provider, the two parties will work closely to coordinate the work and the costs of the repairs. The cleanup team will help expedite our claim and help get fast and efficient responses from your agent.

Help From the Home Office

Local technicians will arrive at your office to do the cleanup and storm restoration. To help speed up the efforts and the processing of your claims, the corporate office will communicate with the insurance company to make sure the claims process goes quickly and smoothly.
You can get the support you need for storm restoration from the professionals. This, along with cooperation from your insurance company, will give you the peace of mind that your claim will be accepted.

4 Ways to Prevent Mold Development

1/7/2020 (Permalink)

Mold colonies Control moisture and humidity

4 Ways to Prevent Mold Development

Mold removal takes time and costs money; therefore, business owners in Town and Country, MO, should work diligently to fight fungus growth. You'll want to avoid major shut downs or the loss of revenue when competitors can grab your business. While such a situation can't be prevented completely, proprietors can take certain measures to decrease an infestation's likelihood. Adopt the following four routines to ward off microbial development.

1. Decrease Humidity Levels

Water reacts with spores, encouraging them to multiply; therefore, reducing moisture levels is significant in avoiding trouble. Consider running your air unit, fans, and dehumidifiers. The dryer a space is, the less likely fungus can grow. If you have any hard to find locations or darker areas, such as closets, consider purchasing absorbent products.

2. Remove Mold Buildup

Fungus spreads within 24 to 48 hours, so act quickly if you suspect even minor issues. As soon as you notice an odd smell or water accumulation, call in experts. Commercial Mold cleanup requires the knowledge of a professional mold remediation company. Have the team not only sanitize the space, but trash any structural pieces that contain microbes.

3. Clean the AC Unit

Spores like to hitch a ride in the air circulation, leaving air ducts an easy location to cultivate. Mold removal should include HVAC cleanings, reducing the possibility of it moving to other rooms.

4. Inspect Plumbing Fixtures

Avoid having leaky pipes or water overflows. These are breeding grounds for fungus and necessitate mold remediation assistance. Regularly inspect your bathroom equipment. Ensure that toilets and sinks function properly and that sewer pipes are not clogged. In addition, if you notice drips, have it repaired immediately. Water sitting for long periods of time simply invites microbial advancement.
Be proactive. Stay vigilant, overseeing your property with care. Don't allow moisture to accrue, keep the space dry and have the air unit cleaned. Mold removal, if needed, should be done as soon as possible and with the aid of experts.

Protect Your Business from Fire Loss with Insurance

12/28/2019 (Permalink)

Business Insurance. Composition with Clipboard, Calculator, Glasses, Green Flower and Office Supplies on Office Desk Protect your business from fire loss with insurance

No matter what kind of business you are operating in Chesterfield, MO, fire insurance is a necessity. Although one hopes to never use it, a fire can result in a total or partial loss. Without coverage, there is a good likelihood that the costs to rebuild will be too overwhelming.

Determining the Right Coverage

A general commercial property policy will include the property, general liability and business income. Depending on your business’s needs, additional coverage can be added to cover electronics, business, flooding and more. When it comes to fire, most policies will cover accidental fires. When determining the coverage, it is important to identify your fire risk to know if additional fire coverage is necessary. Businesses with the following may be at a higher risk for damage.

Cooking Appliances – Like at home, forgetting to turn off a burner can have devastating consequences. Businesses with open flames from a gas stove should be especially concerned.

Fireplaces – Even a decorative fireplace can be a hazard. Regular maintenance and inspections are necessary to ensure proper operation. If there is a gas fireplace, it should be monitored by a designated person in charge.

Flammable Materials – Regardless of the size and type, every business has some flammable materials on-site. Develop safety protocols to ensure those items are stored properly and away from heat sources.

Outlets – The modern business world relies on technology. Unfortunately, that can mean overloading outlets. Ensure power cords are used properly and avoid using extension cords in the long-term.

Tools – Businesses that use electrical tools should ensure they are used and plugged in properly. Some outlets may not have the proper

What Insurance Covers

After determining your needs, having fire insurance can provide peace of mind. Even in cases of a partial loss, the water to put it out and reside from smoke and soot could require a lengthy restoration period. Insurance will typically cover the costs of the fire restoration professional, which will include smoke cleanup, water damage and other cleaning services.
Keeping your business growing is likely a top priority. By having fire insurance, you can protect what you built and get back on track after a disaster.

Mold Removal and The Impact it Can Have

12/24/2019 (Permalink)

Removing mold from the wall in the house Mold removal

Mold Removal and The Impact it Can Have

If mold is present in a residence or a business, it can spell big trouble for occupants and workers. This is a microbial growth that can look like mildew or fungus, and can even be interspersed within it. It should never be something that people attempt to wipe off or get rid of themselves because by doing so they will be exposed to harmful toxins and spores.

This microbial growth spreads by the spores that it gives off which will then float through the air and when landing in a spot where the growing conditions are favorable that spores will grow. The favorable conditions have to be a dark place, no moving air, and a source of moisture. Without all three of those conditions, it will not grow.

So the places where mold is found would include basements, crawl spaces, attics, behind bathroom walls where a water pipe leaks or is broken and other similar areas. Once the microbial growth is discovered, a concerted mold cleanup and mitigation effort should be initiated. The substance has tiny tentacles or roots that can penetrate nearly all surfaces with the exception of glass. So it will grow on wood, walls, shingles, and other similar substances, and even concrete.

So, just wiping off a surface that looks like it is infected with the stuff will do no good because it will not touch the roots, just the surface part of the organism. When any serious infestation of anything that looks like mildew, fungus or mold, a person should just assume that it is the latter and call for help as soon as physically possible.

When calling for assistance, it is vital to find someone who knows what they are doing. An environmental hygienist should be a part of the package because when it comes to evaluating what the substance is that is inhabiting your walls this person is the one to have. An environmental hygienist will be able to tell if it is more than just mildew and fungus and will also know how to effectively kill it and remove it, so it will not return.

Mold cleanup and mitigation must be handled by experienced professionals who have protective clothing, protective masks and the equipment necessary to get the job done. The environmental hygienist will supervise the process as far as identifying the type of mold and its disposition.

The mold can also still be in very small microbial growth stages, and may not be so viewable by the naked eye, so surrounding areas must be examined and dealt with as well. The mold cleanup and mitigation procedures may even involve the removal and rehabilitation of entire rooms, walls, doors, and floors to totally sanitize an area.

Using the approach that even though it might look like just mildew and fungus, it should be assumed that it is mold. The mold cleanup and mitigation must have an environmental hygienist on board to thoroughly analyze all aspects of the area and how to thoroughly get it sanitized.

3 Contamination Levels for Commercial Water Damage

12/17/2019 (Permalink)

Flooded building entrance Flooded building entrance in Creve Coeur, MO

Overview of The Three Levels Of Water Contamination

Water is necessary for survival, but when it enters interior spaces, it can cause serious damage quickly. If water has damaged your property, due to flooding or a broken pipe, it’s important to begin the cleanup quickly. This overview of the three levels of water contamination may help you make some decisions and begin addressing the damage.
Water damage is categorized by the hazardous contaminants it contains. An overflowing bathtub is much less toxic than flood water. The source of the water determines the contamination level.

Category 1
Known as “clean water,” this category does not pose a substantial threat to humans. If the water originated from any of the following sources, you would have Category 1 damage.

  • Leaking connection from a refrigerator ice maker
  • Broken water supply line
  • Overflowing clean water from a sink or bathtub
  • Leaking water heater
  • Heavy rain entering the building due to storm damage

Category 1 damage is generally covered by your commercial insurance policy. Your agent can detail the type of coverage you have and begin processing a claim.

Category 2
Termed “graywater,” this level refers to a significant degree of biological, chemical or physical contamination. It is not as hazardous as flood water but may contain grease, food or dirt. Water leaking from a shower, sink or washing machine drain would belong in this category. This level of cleanup is also likely to be covered by your business insurance.

Category 3
Known as “black water,” this is the highest level of contamination. It includes any source that may contain sewage, seawater, rising floodwaters or groundwater. Category 3 water is very unsanitary and can cause health problems. It should be addressed immediately by a professional remediation service.
Damage caused by flood water or other external source requires a special government-issued insurance policy. It’s important to consult your agent early on to determine which coverage is needed for your situation.
If your Creve Coeur, MO, business sustains water damage, it could be a costly and unsettling experience. Once you assess your level of contamination, you can begin implementing a strategy for cleanup and move toward returning your company to business as usual.

How To Clean a Gas Range

12/10/2019 (Permalink)

Kitchen fires are unfortunately common. One of the leading causes of these fires? Cooking on a dirty range. Follow the steps below to get your gas range sparkling clean.

Remove the grates and burner caps. Put them in a sink of warm, soapy water to soak for a while.
Wipe away loose crumbs on the stove top.
Spray the stove top, including the knobs and back panel, with a cleaner. You can use a commercial cleaner or make one of your own using a mixture of vinegar and water. Depending on how long it has been since you last cleaned your range, you may want to allow the cleaner to soak for a few minutes before moving on to the next step.

Wipe off the cleaner and caked-on food. You may need to use a little elbow grease, but a scrub brush can help you. You might want to use a toothbrush around the burners. To clear out any debris in the burners, you can use a needle, toothpick or other small object.

Lift up the stove top and vacuum up any debris that has made its way underneath. Many gas range tops are on springs and simply lift up.
Head over to the sink to work on the grates and burner covers. Use the scrub brush or toothbrush to finish degreasing them. Rinse them with clean water, dry them off and return them to the stove.

Range cleaning will almost certainly be easier if you do it as you go. Keep a rag handy to clean up messes as they occur. Consider soaking the grates and burner covers once a week or month, depending on how frequently you cook.
Even homes with an exceptionally clean gas range can suffer kitchen fires. Fortunately, an experienced restoration company can help restore your home to pre-fire condition, including eliminating smoke smell.

Will Insurance Pay To Fix My Broken Pipe?

12/5/2019 (Permalink)

Close-up Of Water Is Leaking From The White Sink Pipe Water leaking from a sink pipe

Consider the Following 3 Tips as You File Your Claim

Are you staring at a damp floor? Are you cringing at the cost of repairs? This is a devastating time. The home is a mess, and the thought of fixing flood damage is overwhelming. Homeowners in Maryland Heights, MO, may wonder whether their insurance policy will foot the bill. Sometimes it will, especially in the case of leaky pipes. There are several tasks you can do, though, to help the approval process. Consider the following three tips as you file your claim.

1. What Does Your Policy State?

You may not want to review your insurance coverage, but this is a good time to pull out the plan and read through the verbiage. It can make a difference. Gradual incidents, something that happens over time, may not be initially covered. Be thorough, though; it may work under resulting damage. This is when water ruined the home because of something occurring. The break spewed liquid everywhere; thus, the domino effect applies. You may need to pay for the initial cause to get fixed; however, the agency would cut a check to fix the water restoration company's repairs.

2. Did You Ignore the Issue?

Your agent is going to ask how long the situation went on. For example, were you aware of the dripping water or flood in the basement? If so and you didn't seek help in time, the company can deny payment. Make sure you contact all parties immediately and show as much evidence as possible that you were unaware of trouble.

3. Do You Care for Your Home?

Keep a file of your maintenance receipts. This is evidence that you have not neglected the premises. In addition, fix broken pipe trouble as soon as possible. Supply lines, valves and fixtures should be checked periodically, looking for evidence of corrosion, drips or rust. By having regular inspections you could save yourself the trouble of mass repairs.
Chances are you can get coverage for your flood needs; however, you'll need to put in some leg work, gathering evidence and understanding your plan's information. Keep records of any plumbing issues and act quickly.

How To Repair a Mold-Damaged Painting: 3 Steps

12/1/2019 (Permalink)

Painting leaning up against a wall. Mold can affect many items in your home.

If your Northwest St. Louis County, MO home suffered a large-scale flood, chances are it will require some degree of mold cleaning in the aftermath. Mold can affect lots of items in your home, from furniture to drywall to electronics, but it can be especially devastating to works of art. If one or more paintings in your home experienced mold damage, there are a few steps you can take to salvage them.

1. Remove the Painting From the Frame
Before you invest any time in mold cleanup for your damaged painting, it is important that you gauge the extent of the problem first by removing the artwork from the frame. Mold may be hiding behind the frame or around its edges, so examining the canvas can give you some idea of how severe the mold infestation is before you proceed.

2. Dry Any Moist Mold
If there is any wet mold present on the painting, it may be simpler to remove if you dry it first. Move the painting to a dry area with low humidity but avoid placing it in direct sunlight, as this could cause the paint to fade. Use floor or ceiling fans to dry the painting and allow several hours for the canvas to dry completely before you attempt to remove the mold.

3. Use a Soft Brush on the Canvas
Once the mold on your painting has dried, you can try using a soft-bristled brush to remove the surface fungi. This may be a useful mold cleaning technique for mildew as well, as it is more likely to sit on the surface as opposed to sinking into the canvas itself. If you notice that the fungi have affected the painting’s canvas beyond the surface, then it is wise to call a black mold cleanup and remediation service to help you finish the restoration job.

Salvaging your Northwest St. Louis County, MO home’s artwork when it has been affected by fungi can be a daunting task, as mold cleanup is usually challenging. However, with a little knowledge and the assistance of a mold remediation service, your paintings can be restored to their former beauty.