How Renters Insurance Can Help You After a Fire
Your renters insurance can help you replace your belongings following a robbery
How Renters Insurance Can Help You After a Fire
You have probably heard that your renters insurance can help you replace your belongings following a robbery. Yet this insurance can also come in handy after a fire.
Fire damage cleanup typically addresses both the apartment itself and the contents inside. The landlord's insurance should cover the cost of repairing the actual building. However, your tenants insurance policy provides plenty of additional coverage.
Your tenants insurance policy primarily covers the loss of your personal property. This includes any damage to your belongings after a fire. Insurance can also help you pay for fire restoration services.
Of course, your furniture and electronics have depreciated in value over time. Thankfully, most renters insurance policies will give you the amount of money you need to replace your belongings rather than the actual value of those items.
Fire Liability and Medical Payments
A fire may not just affect your Oklahoma City, OK, home. The flames could cause fire damage to nearby apartments, as well. Your neighbors could also suffer burns or smoke inhalation.
If the fire started in your apartment, you may have to pay for the repairs to your neighbors' valuables. Your tenants insurance should cover these costs. Specifically, the insurance covers any property damage of third parties not named on your policy.
Your policy may also provide some coverage for your neighbor's medical bills. Typically, this medical payment coverage is minimal and applies to minor injuries such as a sprained ankle.
Loss of Use
Finally, tenants insurance can cover any expenses you incur due to the temporary loss of use of your apartment after a fire. For instance, the insurance can pay for the cost of a hotel for you and your family while the apartment is being restored.
Fire cleanup is an extensive and costly process. Renters insurance can help you replace or repair your belongings and pay for other fire-related expenses.
3 Tips for Maintaining Your Evaporative Cooler
If you have a leaking swamp cooler, you are leaving your home vulnerable to all sorts of potential problems
3 Ways To Prevent a Leaking A Swamp Cooler
A leaking swamp cooler can cause all sorts of problems. The water that pools around the leak may become a breeding ground for bacteria. A leak can drive up the cost of your utility bill. It can also leave your home in Edmond, OK, susceptible to a mold problem. Here are three ways you can prevent leaks and thus the issues that generally come with them.
1. Commit to a Yearly Maintenance Schedule
Like all major appliances, your evaporative cooler occasionally needs a tuneup to work properly. A yearly inspection can help identify potential issues and fix them before they cause bigger problems such as mold growth. Professional maintenance technicians can clean your swamp cooler and make sure that any parts that need to be tightened or replaced get the attention they need.
2. Empty Drip Pans When Not in Use
When you winterize your home, add your swamp cooler to the list. A drip pan with stagnant water is just as problematic as a leaking swamp cooler. It provides the excess moisture mold needs to thrive. By emptying the pans regularly and keeping them emptied completely as winter approaches, you can minimize your fungus risk.
3. Replace Water Pads as Necessary
The parts of your swamp cooler that are particularly prone to mold growth are the water pads. They often get wet as the machine works. If they also get dirty, they become a veritable smorgasbord on which mold can feast. Mold mitigation experts recommend that water pads be replaced at the beginning of the spring as you start to use your cooler more often. Inspect them frequently and replace them as they start to show signs of wear.
If you have a leaking swamp cooler, you are leaving your home vulnerable to all sorts of potential problems. With regular maintenance and attention, however, you can increase its efficiency and minimize the chances it will cause a mold issue.
3 Steps To Take After a Water Pipe Break at Your Business
Commercial water damage in Oklahoma City, OK
Steps To Take To Protect Your Commercial Property and Contents After a Pipe Break
Dealing with water damage at your Oklahoma City, OK business can be difficult. Whether age, damage or cold weather is causing bursting pipes, taking quick action could reduce repair costs and save valuable inventory. Once a pipe break occurs, there are a few steps you can take to protect your commercial property and its contents.
Shut Off the Main Water Supply
Once you realize a pipe in your building has burst, it is wise to locate and turn off the main water supply valve. This can reduce the amount of flooding that can otherwise occur. You may want to be aware of the location of the shutoff switch beforehand so you can stem the flow of water as quickly as possible. If you rent your commercial space, ask your landlord about the location of the main water supply valve and alert any managers to its location in case a bursting pipes emergency takes place when you are not present.
Seal Off Affected Areas
You can reduce water damage to adjacent areas by shutting or sealing off doors. For example, if a pipe burst in a restroom, you can seal the bottom of the door with towels to prevent water leakage. Ask your employees and customers to clear the area so you can be assured flooded rooms remain secure until professionals can examine and fix broken pipe components.
Call in a Water Damage Remediation Service
A burst pipe can cause a great deal of trouble in a matter of minutes; however, other issues, such as mold growth and warped building materials, can be prevented by calling a flood control and remediation service to inspect and repair your property. Water damage in Oklahoma City, OK can be common during cold weather snaps, so it is a good idea to have a working relationship with this type of service if you own a business.
One or more bursting pipes at your Oklahoma City, OK business can have serious consequences to your equipment or inventory. Knowing which immediate steps to take afterward can help you minimize damage and the cost of future repairs.
Will Solar Panels Keep the Lights On During Bad Weather?
Extreme weather and storms could result in panel damage.
The durability of a solar panel is not easily compromised. It is not constructed with moving parts and it is manufactured with high quality materials. Panels are put through rigorous tests and quality control to ensure their strength and longevity. If panel damage does occur, it is typically due to weather; therefore, if you live in Oklahoma City, OK and have solar panels, it is important to understand how nature can potentially leave you in the dark.
What Can Cut the Power
Extreme weather and storms could result in panel damage. Possible weather factors that cause damage include the following:
- High wind
Panels are essentially outward facing glass. Exposure to high winds and tornadoes can pummel your roof with branches and other debris that can crack or even break a panel completely. Cracked and broken panels expose your roof to excessive amounts of water, which can lead to costly roof damage. Continued exposure to strong storms with excessive rain and hail can create further complications if your roof has already sustained damage or become the starting point for expensive amounts of structural harm.
How To Keep the Lights On
An initial investment in high quality panels, as well as installation by experienced professionals, can be the first line of defense against damage due to wind and water. Panels that are cracked, damaged or routinely subjected to large amounts of wear can be evaluated by a professional to see how to repair and prevent roof damage. Potential damage or obstruction to panels is likely if they are consistently exposed to wind and water, as well as severe weather. If you know that Oklahoma City, OK is an area that experiences weather conditions that may put your energy efficient investment at risk, it is essential to speak with an expert in storm damage restoration.
Solar panels can be a smart choice for both your home and the environment, but they're not invincible. Panel damage happens. That's why regular maintenance is essential to keeping them in working order — and keeping your lights on.
How To Prevent Water Damage From a Leaking Water Heater
If left unnoticed, a leaking water heater can flood your home in Oklahoma City, OK, and damage the surrounding areas. While an especially large leak that has damaged your walls and floors should be handled by a water damage restoration specialist, there are several steps you can take to try and stop the leaking and remove small amounts of water from your home before it becomes a much larger issue.
Common Causes of a Failed Water Heater
Depending on the source of the leak, a broken water heater may just require a quick repair or need to be replaced. If you’re not comfortable trying to repair the tank yourself, you should get the help of a professional plumber. When inspecting the water heater, you’ll find the leak may be at either the bottom or the top of the tank. Here are several common causes of a leaking water heater:
• Leaking drain valve
• Leaking pressure relief valve
• Leaking tank
• Excessive condensation
• Loose cold- and hot-water inlet and outlet connections
• Loose joint or stripped threaded nipple
Water Mitigation Procedures
If you’re sure you have a broken water heater on your hands, you will need to start by turning off the power supply, which can be powered by either electricity or gas and shutting off the water supply. You can shut off the water with either the water heater valve or your home’s main water valve. Once you get the leaking to cease, try to dry the surrounding area as best as possible and move any furniture or personal belongings from the area. If you notice excessive damage, a water damage restoration specialist will help address any damage that has occurred by using special equipment to extract water from your home and completely dry walls, floors, and furniture.
When you discover a leaking water heater, acting fast and stopping the leak will help reduce any harm to your home. Remember to seek professional help for fixing your water heater and addressing any water damage that has occurred.
Dealing With Water Damage in the Home
Storm damage in Oklahoma City
Water damage to your Oklahoma City, OK, home is a frightening prospect. However, knowing a little about the different types of water and the cleanup process can make the situation less stressful.
There are three classifications of water. These classifications are determined by the amount and type of contamination present.
- Clean water is uncontaminated. This water is usually from pipes, rainwater or snow melt. Generally, this water is not harmful.
- Gray water is slightly contaminated, usually with soap or other chemicals. This type of water comes from appliance drains, aquariums, etc. This category may be harmful, so use caution when cleaning up.
- Black water is highly contaminated and poses health risks. Flood water and sewage are in this category. Be very careful with this type of water.
It is important to note that water begins in one category but will become contaminated with time. Within two days, clean water becomes gray water and gray water becomes black water. It is crucial to act quickly when dealing with standing water.
When dealing with a flood, the cleanup process varies depending on the cause of the water damage and the contamination level. However, the process usually follows a similar pattern. The first step is removing the standing water. Wet/dry vacuums and pumps come in handy here. After extracting as much of the water as possible, it is important to dry out any remaining moisture. Heavy-duty dehumidifiers, fans and open windows can all speed up this process. While the area is drying out, examine the objects and surfaces that were affected by the water. Some material, such as carpet and insulation, may not be salvageable. Things that cannot be effectively dried and cleaned should be discarded to prevent mold spreading to surrounding items. After the area is fully dried, you should sanitize the surfaces the water came into contact with using commercial cleaners or a bleach mixture.
Regardless of the type of water damage you experience, a professional restoration company can return your home to pre-flood condition quickly and safely.
5 Habits of Great Landlords
If you own a rental property in Oklahoma City, OK, you have certain basic responsibilities to your tenants. You must keep the building safe and make sure all maintenance requests such as plumbing problems are fixed. Being a great landlord, however, means going above and beyond the minimum standard requirements. Here are five things that exceptional landlords do.
1. Make Expectations Clear
The rental agreement that your tenants sign should outline their responsibilities while they live in your building. It should also tell them what they can expect of you. It's important that each party knows what is expected of them before keys are exchanged.
2. Train Your Staff Well
Your customer service reputation is only as good as your least effective employee. Make sure your staff knows how to handle tenant complaints about commercial plumbing and answer frequently asked questions about the property.
3. Lead by Example
Your staff is likely to follow your lead. If you are hard to reach or if you let reported plumbing problems go unresolved, that is how they are going to think the business should be run. Motivate them by showing them what doing a great job looks like.
4. Respond Quickly to Problems
One of the best landlord tips is to make sure you respond to maintenance issues in a timely manner. It's helpful to have licensed local plumbers on speed dial for issues that a plunger can't fix.
5. Communicate Effectively
Above all, communicate quickly and often with your tenants. Don't settle for giving them the minimum notice required by the law. If the building needs repairs, let them know as soon as you know. Show them that you respect them, and they are likely to respect you in return.
Whether you are dealing with a plumbing issue or a neighbor dispute, being present and active at your rental property is essential to good customer service. Following these tips can help you be a great landlord.
3 Tips for Dealing With Water Damage
Provide ventilation in bathroom
Tips To Prevent Moisture Gathering In Your Home
When people imagine water damage, they tend to think of flooding after storms or damage related to putting out a house fire. However, everyday tasks can be causing damage to your home in Edmond, OK. Check out these tips for preventing too much moisture from gathering in your home to ensure your belongings are safe and dry.
1. Control the Dampness in Your House
One of the biggest causes of water damage in walls or floorboards is dampness that creates mold or mildew in these spaces. This often occurs because of too much humidity in a space, so it is important to create plenty of ventilation anywhere that could trap moisture droplets and allow them to soak into the home. Prevent leaks and provide excellent ventilation in spaces such as:
2. Fix Pipes Immediately
Broken pipes can be a major cause of damage, so it is important to have a professional look at any potential leaks as soon as possible. Of course, not all leaks are immediately noticeable. For this reason, regular inspections are also important. This way, you'll find potential problems inside walls, floors, or ceilings before they become a more serious issue.
3. Clean Up the Right Way
If despite your best efforts, your home receives damage due to moisture or high water, it is important to hire a water remediation company for water cleanup right away. Professionals have the proper knowledge, tools, and experience to dry your home out thoroughly and ensure no further damage is done. Avoid doing the work on your own, as improper drying and cleaning could cause mildew or mold that further damages your home and belongings.
Water damage can have serious consequences and be extremely costly if not handles correctly and immediately. Fortunately, knowing how to handle moisture in the walls or high water, as well as when it is preferable to call a professional, helps to ensure your home stays safe, clean, and dry.
Avoid Flooding Damage While You're on Vacation
Water damages are the second most common claim on homeowners' insurance policies in Oklahoma City, OK, and around the country, and the number of cases is rising, according to industry experts. For many homeowners, the problems involve a broken pipe or frozen spigots during the winter. However, unsuspecting homeowners may also be hit by flooding and the need for water pipe repair while they are vacationing during warmer months.
Protect Your Home During Extended Vacations
If you're planning to leave home for more than a couple of days, take the following steps to avoid coming home to a flooded basement.
• Visually inspect pipes, the water heater and other appliances, and the external structure of your home. If there are any signs of aging or wear and tear, complete repairs or replacements before you leave.
• Inspect all hoses that attach to major appliances, such as the dishwasher. Replace any old hoses and those that show evidence of cracks and other damage.
• Add insulation to any exposed pipes if you're planning to be during cold weather. Don't turn the thermostat down too far to avoid frozen pipes and hoses.
• Check-in with your insurance agent. Some companies provide tips for keeping your home safe while you're away.
• Ask a friend or neighbor to check on your home while you're gone. Show this friend where the water main and primary shut-off valve is located so the water can be shut off if water pipe repair becomes necessary.
• If you don't have anyone to keep an eye on your home, turn all of the water off. Make sure the pipes have been drained. If you plan to be gone during cold weather, flush the toilets and leave cabinet doors open to avoid frozen water damages.
Plan Ahead To Avoid Trouble
A single broken pipe can pump several of inches of water into your home in a relatively small amount of time. When you're planning to travel away from home, these steps can help you avoid serious damages. If water pipe repair does become necessary, water damage and remediation professionals can handle some of the details until you return home.
3 Differences Between Storm and Flood Damage
The difference between storm and flood damage is the source of the water that enters your building
Differences Between Storm and Flood Damage
During a storm in Oklahoma City, OK, there may be damage done to your building. While you may think that all storm damage is the same, this is not always the case. There is one very important distinction that should be made. This is that floods are considered to be a separate issue from other types of water damage that may occur during a storm. The following are a few differences between the two.
1. The Source of the Water
The first difference between storm and flood damage is the source of the water that enters your building. During a storm, leaks can occur, allowing water inside. Even if the amount is significant, this is not considered to be a flood. Flood waters are those that rise up from the ground and enter the building from below. When trying to determine the type of water damage you have, this is probably the easiest way.
2. The Category of Water
Rain is classified as category 1 water, which means that it is clean and will not cause any significant harm to you. While flood waters may have risen because of the rain, they are classified differently. Once the rainwater begins to rise and mix with other sources, such as sewer water, it becomes category 3. This water is highly contaminated and should be avoided. Flood damage will require thorough sanitization.
3. Insurance Coverage
In most cases, water damage is included in commercial insurance policies. However, most flood damage is not and, if it is, coverage will usually be limited. If there are often floods in the area, it may be a good idea to invest in a separate flood policy to make sure that your property is covered during an emergency.
If your property has been damaged by flooding or anything else during a storm, you will likely need repairs. Contact a cleanup and restoration company to get your building back to its previous condition as soon as possible.