3 Reasons Not to Wait for an Adjuster After Your Home is Damaged in a Storm
The best thing to do after a storm is to document the damage
3 Reasons On Why Not To Wait For An Insurance Adjuster After Storm Damage
If you have experienced damage to your home after a storm in Oklahoma City, OK, and you are working on filing a flood insurance claim, you might think that the best thing to do is to wait for an adjuster to arrive. However, this might not be such a good idea. Here are just a few reasons why.
1. You Might Be Waiting for a While
During a large storm or a disaster, there will likely be many people who have suffered flood damage to their homes or buildings. Because of this, it might take a while before an adjuster is able to get to you. There will be quite a few people who are in the same situation that you are, so waiting might not be reasonable.
2. Water Damage Will Only Get Worse
While you are waiting for an adjuster to arrive, the water will continue to affect your house and belongings. If the water is not removed and the building cannot dry out, you will end up with a much larger problem to deal with. When it is exposed to water for long periods of time, wood can begin to warp and may end up rotting which can affect the structure of the building. Mold damage can occur quickly as well and may begin to spread within 24 hours.
3. It Can Affect Your Insurance Claim
In some cases, doing nothing to prevent further damage can affect the results of your flood insurance claim. You might not be approved for as much as you would have otherwise, and your claim might be denied altogether. Paying for repairs on your own can be expensive, so you want to avoid this if possible.
Instead of waiting for your flood insurance adjuster, the best thing to do after a storm is to document the damage. Take pictures and make lists of affected areas and items to provide as evidence. Once this has been done, a cleanup and restoration service can begin mitigation to prevent the damage from worsening while you wait to file your claim.
The Importance of Cleaning Smoke Odor After a Fire
The main concern after a commercial fire is often the building's structural damage from heat and flames. However, it's also important to consider potential secondary damage to electronics, furniture and personal items, as well as the long-lasting odor of soot and smoke. That's why smoke cleaning may be needed after a commercial fire, even after a fairly small one. When a fire happens in Oklahoma City, OK, there is a lot to think about, so calling in the experts for cleanup is a good way to ensure that nothing is overlooked.
Special Equipment Fights Smoke Odor
After a fire, the smell of smoke in the in the walls, furniture, ceiling and equipment can be pervasive. A quick cleaning won't do the trick. Industrial equipment is needed to repair the smoke damage. Remediation specialists use the following machines to eliminate indoor odors and prevent the growth of mold and mildew:
- Air filtration devices
- Thermal foggers
- Ozone machines
- Powerful fans
A thorough smoke cleaning requires specialized knowledge. A smoke mitigation technician will make sure the job is done correctly and help to guarantee that no residual odor remains in the building. The fire damage experts can take care of all of the damage associated with an unexpected fire, whether it is a bad odor caused by excess interior moisture or water damage due to firefighting efforts.
Advance Knowledge Combats Damage
A host of calamities can visit a place of business. These situations might include a large storm that results in flooding, or a lightning strike to an electrical supply that causes a fire. Sometimes equipment fails, or the pipes burst, and raw sewage is let loose into the building. Whenever this happens it's good to know that experts are on hand in Oklahoma City, OK, to help out. The professionals can clean it up "Like it never even happened." whether it is smoke cleaning or some other service.
How To Deduct Storm Losses From Your Taxes
Conference room storm damage in Valley Brook, OK
How To Deduct Storm Losses From Your Taxes
As a business owner in Valley Brook, OK, you are responsible for making sure your building is properly restored when it sustains storm damage. These repairs can be expensive, though, and your property insurance may not cover the whole cost. This may leave you with quite a bit to cover out of pocket. To help ease the burden, you may be able to deduct the amount you spend from your taxes, giving you a little bit of a break. There are a few steps you need to take in order to take advantage of this tax break.
1. Take Action Quickly
There are several benefits to calling storm restoration experts as soon as you know your building is damaged:
- Prevent further water damage
- Prevent secondary damage, such as mold
- Get an estimate for your insurance claim
While you will probably take pictures and make a list of items with storm damage on your own, having the storm cleanup estimate from the restoration company can provide extra backup to your claim.
2. File Your Insurance Claim
Before you can find out how much of the loss is tax deductible, you need to see how much your insurance policy covers. When you contact your agent, an adjuster will be sent to verify the damage and assess your claim. If you don't file a claim, you are not eligible to deduct any amount of the cost of the damages from your taxes.
3. Claim Your Deduction
Once you know the total that your insurance company is going to cover, you can deduct other repairs from your business taxes. If the federal government has declared a national emergency in your area due to the storm that did the damage, you may even be able to choose the year on which you claim the deduction to maximize your savings.
Storm damage is typically covered by your business insurance, but it doesn't always cover the full amount. Talk to your accountant to see if a tax deduction is possible.
What to Do if You Have a Leaking Sink
Leaking sink in Smith Village, OK
Follow These Steps To Prepare For Water Damage Repair
Discovering water somewhere you don’t want in your house can be a huge shock. Whether it’s flooding in the bathroom, kitchen or somewhere else, water in a home environment can lead to damage. The thought may cause some homeowners to panic. However, remain calm and follow these simple steps in order to reduce potential damage and prepare for water damage repair.
1. Shut Off the Water to Your House
You want to ensure that no further damage from flooding occurs, so you need to stop the water completely before doing anything else. Shutting off the main water to the house is the only way to guarantee that no more water comes from the sink leak, so be sure you know where in your house to go in order to do so.
2. Clean Up the Water You Can
While it may be tempting to do this first, if you don’t shut off the water, you’ll just have more water to clean before you even finish. Use a mop and rags to soak up the excess water, and also be sure to remove any electronics and bright colored objects that could stain, such as magazines.
3. Check Your Insurance
If you have homeowner’s insurance, you may be covered for any work that needs to be done, such as kitchen repair, in order to fix water damage. This can be highly beneficial financially and should be checked before making any calls out to repairmen.
4. Find a Restoration Service for Help
Water damage can lead to parts of the house not easily managed, so working with a restoration service is your best bet to ensuring that everything is taken care of properly. Not only can they repair any leaks to stop them, but they also can manage the replacements needed for any damaged wood, carpet, etc.
Being a homeowner in Smith Village, OK, can lead to stress if you find flooding from one of your sinks, but rest assured, if you handle things carefully, you’ll be able to get through the situation just fine.
3 Things You Should Know About Mold
It is important to repair any water damage quickly
3 Things You Should Know About Mold
If you’ve experienced water damage in your Smith Village, OK, building, you should have it taken care of as soon as possible. The longer it is allowed to stay as it is, the more problems will develop. One common issue that occurs after this kind of damage is the growth of mold. If you don’t know much about this fungus, you may find the following information helpful.
1. Mold Spreads Quickly
Under the right conditions, mold can multiply rapidly. It can sometimes take as little as 24 hours to notice the appearance of mold growth. Dark, moist spaces are the most conducive to the spread of this fungus, so leaks and damage from water are likely to speed up the process.
2. Mold Often Returns
Even if you have found and removed mold from the building, this may not be the end of your troubles. Mold spores are present in most environments, so it is nearly impossible to remove it entirely. This means that, if you do not address the root of the problem, excessive mold will continue to return. This is why it is incredibly important to repair any water damage quickly.
3. There Are Techniques You Can Use to Prevent It
While it is not always easy to remove mold once it has spread, keeping some mold prevention tips in mind can help you keep it at bay. Keeping moisture levels low is the best way to do this. Make sure that plumbing fixtures such as sinks and showers do not remain wet for extended periods of time. Check for leaks and clean surfaces regularly. A dehumidifier can help as well.
Because water damage can increase the spread of mold, you should always make repairs as soon as you notice a problem. An emergency cleanup and restoration company can help with this as well as removing any mold that may have already formed.
Most Common Causes of House Fires
Candles are known for causes fires at home as well
You hear and see stories online and on the news about house fires, and you can't imagine this happening to you. It's important, however, to understand the leading causes of a home fire so you can be aware of how to prevent this tragedy from occurring. The more you know about how fires typically start, the more thoroughly you can prepare and protect your loved one and Smith Village, OK, home.
Cooking in the Kitchen
The kitchen is perhaps the most popular room in the home. You'll spend a lot of time here preparing meals, eating, and gathering with family and friends. It's also one of the leading fire causes for residents. Here are some typical ways fires start there:
- Pots and pans left on the stove.
- Overheating in the oven.
- Faulty appliances.
Heating Systems and Equipment
You love having a reliable furnace during the cold months of the year. Unfortunately, heating sources are a big reason you'll see a home fire. Make sure you have a professional inspect your furnace once a year. Also, if you use a portable heater, keep flammable objects at least a few feet away from it.
Not only is smoking a tough habit to kick and a danger to your health, it can also lead to fires and fire cleaning and the need to call professional fire cleanup crews. If you smoke, do so outside and dispose of cigarette buts properly.
People love lighting candles to create a peaceful, relaxing atmosphere and to introduce pleasant smells into the home. Unfortunately, candles are known for causes fires at home as well. Never leave a candle burning if you leave the house or even the room where you placed it. Also, keep an eye on any nearby papers, tissues or other items that could catch on fire.
You can't imagine even the thought of having a home fire. If you're aware of these culprits, you can take the appropriate measures to protect your house.
How To Recognize Mold and What To Do Next
Mold can easily be mistaken for dirt or dust if not thoroughly inspected.
In Oklahoma City, OK there are many hazards that a small business owner or landlord has to take into account when maintaining their buildings and places of work. One of these hazards is mold and the smelly mycotoxin that always accompanies it. When allowed to go unchecked, this hazard can potentially ruin the hard work that has gone into a building or grind the business conducted within to a halt. To help prevent this, here are a few steps for renters and maintenance workers on how to recognize and fix mold growth.
3 Steps to Recognize and Fix Mold Growth.
- Use Your Eyes
Mold can easily be mistaken for dirt or dust if not thoroughly inspected. Depending on what fungus present, the mold could take on a variety of different shades and textures. However, mold may not have a visual presence.
- Use Your Nose
Spores often incubate where small hidden leaks show up or where condensation builds as a result of a possibly broken air condition unit or something similar. When this happens, investigators can rely on their noses. Mold growth is often revealed by a variation of a musty odor.
However, it's important to take note of any new smells. This is due to the scent of mold changing based on the spore count and where it is in its life cycle. After all, the smell is formed by the mycotoxin released by mold eating and multiplying.
- Fix the Problem
Once the mold has been found, whether it’s out in the open or recently excavated, it’s important to immediately focus on mold remediation. This is because mold spreads quickly, often manifesting within 48–72 hours. If it looks like the mold is relatively contained and has only covered a small surface area, it is possible to get it cleaned up. In this case, cleaners should use the proper equipment and maintain safety standards during the process.
When maintaining a building, it’s good to be perceptive. If the mold has spread, remember that it’s important to call in a professional cleaning service. Safety should always be a priority when dealing with mold and its mycotoxin.
3 Things You Should Know About the Risk of Flooding After a Fire
FEMA can help to protect your home in Valley Brook, OK
The Risk of Flooding After Fires
After a flood, fires often occur. It can be helpful to learn about the risk of flooding after fires and to know how FEMA NFIP (the Federal Emergency Management Agency's National Flood Insurance Program) can help to protect your home in Valley Brook, OK, from flooding after wildfire damage.
1. Why Do Floods Often Occur After Wildfires?
Floods often occur during the warmer months of the year. Likewise, wildfires are more prone to occur in the heat of summer, especially in an arid environment. When a fire occurs, the landscape in an area changes dramatically, and fires can cause the majority of plant life in an area to temporarily disappear. When heavy rainfall occurs, lack of plant life in the affected area allows water to flow more easily, which ultimately makes a flood more likely to occur.
2. Why Does Flood Insurance Matter?
Though a wildfire may not affect your home, flooding damage that occurs after the fire can devastate your home. However, general homeowner's insurance policies often don't cover damage from flooding. Purchasing separate flood insurance can help to keep your home protected if a flood does occur. FEMA NFIP is often a good option for homeowners since the agency offers flood insurance at affordable rates.
3. What Can You Do To Prepare Your Home for the Effects of a Flood?
There are several ways you can prepare yourself and your home for flooding. It can be helpful to make an emergency escape plan in case a flood occurs with little warning. Backing up valuable documents is also often beneficial, as you may need to access important paperwork after a flood. Additionally, it can be wise to keep contact information on hand for an emergency service restoration company in case you quickly need to begin restoration to your home.
Preparing your home in Valley Brook, OK, for disaster is often important. Understanding why floods occur after wildfires, how FEMA NFIP can help keep your home safe and what you can do to decrease the likelihood of your home from being affected by a fire, can help you feel more prepared for disaster.
4 Things To Expect After a Fire in Your Commercial Building
Fire damage in a Smith Village, OK building
4 Things to Expect After a Fire
If you experience a fire in your Smith Village, OK, building, you know there will be a certain amount of destruction. What you may not consider is that there will be multiple types of damage after this kind of emergency. Water cleanup will often be necessary after a fire, along with everything else. Here are a few things that you can expect after a fire.
1. Fire Damage
When you think of a fire, the primary damage caused will likely come to mind first. If the fire was small, you may only need to replace some interior items. However, in some cases, you might need to rebuild portions of the building.
2. Smoke Damage
Sometimes the damage caused by smoke can be even more extensive than that caused by the fire itself. While the flames can be contained to a smaller area, smoke travels through the air, affecting a larger part of the building. It carries soot and contaminants with it, so smoke cleanup will be required to prevent long-term damage.
3. Water Damage
If the flames have become large enough that the fire department is needed to put them out, you will, unfortunately, be dealing with another type of damage entirely. Water from the hoses can flood the building, resulting in warped walls or flooring and potential mold growth if it is left to sit. Water cleanup should be performed as soon as possible to prevent this.
4. Loss of Business
Because a fire can affect the building in which you do business, you can lose profits if the damage is severe. However, if you are unable to work as usual during the fire cleanup process, business insurance may be able to cover your losses.
If you find that you need fire, smoke or water cleanup after a disaster, you should call an emergency restoration company. They will be able to begin the process quickly to get your business back to its previous condition, so you can continue work as usual.
The Steps You Should Follow After Fire Damage in the Home
The fire trucks and firefighters will arrive and assess the situation
Steps to Take After an Electrical Fire in Your Home
Few things are more complicated than having to deal with fire damage in the home. Sometimes, the steps that you as the homeowner take after the fire damage determine the speed at which the home will be restored to the state it was in before the fire damage happened. Below are is a guideline outlining the steps you ought to take after an electrical fire or another type of fire breaks out in your home.
The very first thing you need to do is ensure that all the people who were in the building have gotten out. In case there is someone still trapped in the building because of soot damage or smoke, you should call in emergency services such as the fire truck, fire sprinkler systems, fire hoses, and firefighters to help rescue them and put out the fire. Do not try to get back into the house once you are out where it is safe.
The fire suppression
The fire trucks and firefighters will arrive and assess the situation. The firefighters, fire hoses, and their fire trucks will do their best to try and put out the fire within the shortest time possible after getting to the scene. You might see a firefighter going into the house and trying to rescue people who are trapped in the soot damage. They use equipment such as fire hoses, fire sprinkler systems and other appropriate equipment to help them achieve fire suppression within the shortest time.
Visit http://www.SERVPROofsouthoklahomacity.com for more information on fire damage.