Are You Covered For Mold Damage
Does Your Homeowners Insurance Cover Mold Damage?
When you think of emergencies that can destroy your commercial or residential property, you probably think of fires and major storms. However, fungus growth can also cause severe harm to your Foxborough, MA, house. Unfortunately, your homeowners' insurance policy likely does not provide mold coverage.
In general, homeowners' insurance covers mold damage to your home that results from a covered peril. Covered perils are accidental and sudden disasters that the homeowner cannot prevent, such as:
- Heavy snow, ice and sleet
- Accidental plumbing discharge
- Falling objects
However, there are many instances where your insurance will not cover the cost of mold cleanup in your home. Specifically, if your insurance provider feels you could have taken steps to avoid the fungus growth, it will not pay for the cost of repairs. If the damage resulted from a burst pipe that you ignored for weeks, an unventilated bathroom, or decades-old shingles that you failed to replace, you will have to pay for mold remediation yourself.
Homeowners' policies also typically don’t include flood insurance. That means any mold that grows following a flood isn't covered, either.
Those who want mold insurance coverage can ask their carrier about an endorsement. An endorsement is extra coverage attached to your policy for an additional fee. However, if your home has a history of mold problems, your insurer will likely refuse to provide an endorsement or charge more for it. Your insurance provider may also cap the amount of money it will reimburse or limit its coverage to certain mold-related services.
It can be hard to tell if your insurance provider covers damage caused by fungus growth. Read your policy to see if it mentions coverage for mold claims or the possibility of mold endorsements.
If you have any questions, talk to your adjuster. A representative from your local black. If you think that you may have a mold infestation call SERVPRO of Foxborough to help.
What You Do Not Know About Smoke Damage To Your Commercial Property
No property owner wants to experience a commercial building fire. The fire can be devastating, not only because of the damage the fire does but from the odor and discoloration the soot and smoke leaves behind. Furthermore, while the building is closed, revenue is lost! However, before you hire a professional service in Bellingham, MA, to begin smoke cleaning, it can be important to understand exactly how the smoke damage can impact your building, your clients, and you.
Although smoke can often be seen during a fire, the damage causing the lingering smoke odor can often be a result of components that are not always visible. These can include:
• Invisible and toxic gasses can contaminate the air. These gases can include carbon monoxide, hydrogen cyanide, and phosgene. The gases can be a highly foul-smelling contribution to the smoke.
• Particles of carbon called soot can cover the floors and walls. The fragments can float long distances from the fire and be deposited in unusual areas such as the cracks of bricks or under the heads of nails.
• Vapors of poisonous smoke can look like mist. The gaseous droplets can be poisonous and can cover items in your building with contaminates.
Signs of smoke are often evident after a fire. Black stains covering the walls and ceiling of some rooms, soot covered floors, and an unpalatable odor are often visible signs of pollution left behind by the fire. But the acrid smell that lingers for weeks after a fire is often caused by a cloud of invisible particles left over from the flames. That is why smoke cleaning can be a tedious and unpleasant job.
Sadly, the longer the odor lingers, the more difficult it can become to remove it completely., especially when dealing with the contents of your commercial property. When fire damage strikes your commercial property call the trusted experts at SERVPRO of Foxborough!
Is Your Commercial Property Storm Damage Tax Deductable
If your commercial property in Foxborough, MA has been damaged by a storm, you may want to know whether the cost of the damage is tax deductible. Unrecoverable losses caused by storms or natural disasters are usually deductible, as long as these damages are proven and will not be reimbursed by insurance. Here are three steps you can take to find out whether you can deduct the cost of storm damage from your tax bill.
3 Steps to Find Out if Storm Damage is Tax Deductible.
- Determine how much damage your insurance covers. If your business is insured, you can only deduct damage that exceeds your coverage or was not covered for other reasons. Owners of uninsured commercial property can deduct the total cost of storm damage. Consult IRS Publication 547, Casualties, Disasters, and Thefts, to read the rules for claiming these deductions.
- Check to see if a storm or disaster is a Presidential Declared Disaster. If you are dealing with storm damage in a region that has been federally recognized as a disaster area, special filing options may apply to your situation. Check the IRS's list of tax relief in disaster situations to see if your locality is listed and find out about any assistance that is available.
- Distinguish between actual property loss and deductible property loss. Actual property loss is your total loss as the owner of a commercial property. Deductible property loss is based on the current value of your property and factors in all reductions. If you are unsure about reductions involved in a commercial property, you should contact an accountant.
If you have unrecoverable storm damage at your commercial property in Boston, MA, you should see if you can deduct any damage from your tax bill. Tax deductions cannot overlap with covered losses, but these deductions can help to offset the cost of professional damage restoration if your property is uninsured or underinsured.
Steps To Take When Filing A Claim
5 Steps for Filing a Water Damage Claim
No matter the source, water in your Franklin, MA, home or commercial property can cause quite a bit of costly damage. Because of this, it is important to start filing your insurance claim as soon as possible. This will allow you to finish the process and receive the financial assistance as quickly as possible. Use the following steps to get through the situation smoothly.
1. Contact Your Insurance Agent
The first thing that you should do is to call your insurance company so that they can begin filing your claim right away. In some cases, waiting too long to contact the company can affect your insurance claim or cause it to be denied, so don’t hesitate to do this.
2. Document the Damage
While an insurance adjuster will come to look at your home and assess the damage, you don’t need to wait for them to arrive to take this step. Begin taking pictures of damaged areas of the structure as well as affected belongings. You may want to make a list of damaged contents as well. The adjuster can use these as proof of damage.
3. Start Cleanup and Mitigation
Even if it is from a clean source like a pipe burst, the longer water sits in your home, the more damage it can cause. In order to reduce the cost and time of remediation and repairs, you can start removing water from the building so that it can begin to dry. Set aside damaged items as well.
4. Review Your Policy
All policies are not exactly the same, so it is important to know what is covered in yours. Some causes of damage, such as a flood, may not be included. Look over the details so that you know what to expect and what is expected of you during the claims process.
5. Prepare Necessary Forms
Once the insurance company has sent you the required forms, you should fill them out as soon as possible. This way, they will have everything they need to finish filing your claim.
If your home has been damaged by water, filing your insurance claim quickly can help you cover the costs and calling SERVPRO of Foxborough will insure that your property is return it to its previous condition!
Help My Toilet Is Overflowing
While toilets may get clogged or not function as they should from time to time, an overflowing toilet can pose a large issue, especially if dealing with a sewage backup. If sewage water enters your home in Walpole, MA, it is labeled Category 3 water and needs to be considered an emergency since the bacteria, viruses, and microbes in the contaminated water can cause serious illness and harm to anyone it comes into contact with. This situation warrants the help of a professional sewage cleanup and restoration company. Here is some useful information for dealing with a toilet overflow and sewer damage.
Possible Causes of a Sewage Backup
There are several reasons sewage might make its way into your home:
- Clogged or flooded toilet
- Tree roots affecting sewer line
- Damaged, worn, or clogged sewer line
- Municipal sewer backup
How To Deal With a Clogged Toilet
While a clogged toilet is not an emergency in itself, it needs to be dealt with correctly to prevent sewer damage from occurring. Often, a small clog can be handled using a toilet plunger. You should prevent overflowing ahead of time by taking the lid off the tank and pushing the flapper down, which prevents water from entering the bowl. Then turn off the toilet’s main water supply. If a plunger doesn’t fix the clog, you can try using a toilet auger or snake to break up a clog in the drainage pipe. Sometimes, a plunger or auger won’t be enough to fix the issue and will need to be fixed by a professional plumber.
Since sewage backup is grossly contaminated and causes severe harm to any who ingests or comes into contact with it, you should always call a professional sewer damage cleanup company rather than try to clean up the mess yourself.
Fire Remediation Experts
Smoke and soot is very invasive and can penetrate various cavities within your commercial or residential, causing hidden damage and odor. The Disaster Remediation Team at SERVPRO of Foxborough smoke damage expertise and experience allows us to inspect and accurately assess the extent of the damage to develop a comprehensive plan of action.
Smoke and soot facts:
- Hot smoke migrates to cooler areas and upper levels of a structure.
- Smoke flows around plumbing systems, seeping through the holes used by pipes to go from floor to floor.
- The type of smoke may greatly affect the restoration process.
Different Types of Smoke
There are two different types of smoke–wet and dry. As a result, there are different types of soot residue after a fire. Before restoration begins, SERVPRO of Foxborough certified technicians will test the soot to determine which type of smoke damage occurred. The cleaning procedures will then be based on the information identified during pretesting. Here is some additional information:
Wet Smoke – Plastic and Rubber
- Low heat, smoldering, pungent odor, sticky, smeary. Smoke webs are more difficult to clean.
Dry Smoke – Paper and Wood
- Fast burning, high temperatures, heat rises therefore smoke rises.
Protein Fire Residue – Produced by evaporation of material rather than from a fire
- Virtually invisible, discolors paints and varnishes, extreme pungent odor.
Our Fire Damage Restoration Services
Every smoke and fire damage situation unique, each one requires a unique solution tailored for the specific conditions. We have the equipment, expertise, and experience to restore your fire and smoke damage. Not only will we the professionals at SERVPRO of Foxborough treat your property with the care it needs we will also treat you with the empathy and respect you deserve.
How To Minimize Damage After A Fire
The first 48 hours after a fire damage can make the difference between restoring versus replacing your property and personal belongings. SERVPRO of Foxborough provides timely response with mitigation services ranging from fire, smoke and soot removal to contents claims inventory and document restoration. These services help ensure your property, belongings and memories are restored to preloss condition when possible.
What You Can Do Until Help Arrives
- Limit movement in the home to prevent soot particles from spreading and additional damage from occurring.
- Place clean towels or old linens on rugs and high traffic areas and upholstery.
- Coat chrome faucets, trim and appliances with petroleum jelly or oil.
- Place aluminum foil or wood blocks between furniture legs and wet carpet.
- Do not wash any walls or painted surfaces.
- Do not shampoo carpet or upholstery.
- Do not clean any electrical equipment.
- Do not send clothing to a dry cleaner since improper cleaning may set smoke odor.
SERVPRO of Foxborough is available 24 hours a day, every day of the year, including holidays.
Hail Damage To The Roof Of Your Commercial Property
While your commercial building in Franklin, MA,, can be vulnerable to a variety of natural disasters, a hailstorm is one of the more destructive ones. Hail can cause many problems for your business, including roof damage. This specific type of damage can severely harm your property if it's not prevented or treated on time. Continue reading to learn more about the effect hail can have on your building and how to prevent it.
The Factors Behind the Damage
The impact of hail damage on your roof can be influenced by several factors. For instance, the size and weight of each hailstone can create different degrees of damage to the roof. Additionally, the roof can successfully absorb the collision of the hailstones depending on the building materials used on it. Other factors that can influence the damage include the speed and direction of the wind, as well as any present barriers.
The Types of Damage
Hail can not only greatly ruin the roof of your business establishment, but it also inflicts additional harm to the entire building.
- Dents or cracks on roof
- Damaged or missing shingles
- Compromised sheathing
- Water leaks
- Water on the attic
- Wet insulation
Preventing Damage From Hail
Invest on using hail-resistant materials such as cooper, plastic or asphalt to decrease the effect of hail on the shingles. Also, install protections on valuable outdoor items and use storm shutters to protect the windows. Hailstorms are particularly harsh on your commercial property and roof damage exposes it to additional risks. Focus on this potential damage as you protect and reinforce your commercial roof.
If the roof of your commercial property dose become damaged due to a hail or any other disaster the risk of secondary water damage increases significantly. SERVPRO of Foxborough is your one stop shop! Our Rebuild Team can fix any damage to the roof of your commercial property and if there is additional water damage our Disaster Remediation Team will make it "Like it never even happened."
Salvaging Electronics After A Fire In My Commercial Property
An electrical fire in your Bellingham commercial building doesn’t just destroy walls and ceilings. It can also cause fire damage to your valuable electronics, including:
These electronics can even sustain smoke damage during a fire. That is because smoke actually has a magnetic charge. This, in turn, can short-circuit the electronic devices in your building. Smoke can also create a black film within electronics, which can lead to more frequent overheating and eventually cause the device to fail. The smoke additionally leaves behind acidic soot that can also lower the lifespan of your electronics. Your electronics are valuable parts of your business therefore you should contact emergency restoration professionals to ensure the items are cleaned properly after an electrical fire. However, there are some steps you can take to mitigate the damage before the experts arrive.
Dealing With Smoke-Damaged Electronics
Once it is safe to go back into your commercial building, be sure to turn off and disconnect any electronics. Running the devices before they are properly cleaned can cause short-circuiting and additional problems. You should also track down the warranties for the electronics. If your warranty is up to date, it may even cover water damage caused by the sprinklers in your building.
Restoration professionals will have the proper tools for computer cleanup. Before the process begins, however, you should remove the hard drive housing the device’s memory and storage. You can then transfer this data to another device that wasn’t damaged in the fire.
Dealing with the aftermath of an electrical fire in your Bellingham, MA, business can be stressful and frustrating. Yet with the help of professionals, you should be able to clean both your property and your electronics. Hiring restoration experts can also save you money in the long run, as you won't have to purchase any expensive replacement devices.
Dealing With The Aftermath Of A Fire In Your Commercial Property
Whether your Foxborough business was caught in the middle of a natural disaster or your pipes burst in the winter, flooding can cause serious damage to your office and its contents. Perhaps you’ve cleaned up the area and dried it out, but there’s still one thing that lingers: the smell. Mold growth and sewage loss can leave a pungent scent that’s hard to get rid of. What happens after a flood is that the gasses from the debris end up trapped in the building and remain there even when dried.
If you’re suffering with the smell of a recent flood, here are a few tips on how to disinfect and deodorize.
- Treat Carpets and Flooring
One of the main culprits behind bad odors left behind is the floor itself. If your carpet is installed over cement, you’ll have to remove the carpet to clean it. Then, before you reinstall the carpet, it’s suggested that you seal the floor with an antibacterial spray. This will help combat the mold growth that caused the odor to begin with.
- Use Household Cleaners
In case of the odor left behind after a flood, you have a few different tools that you can utilize. First, consider fabric refreshers and a combination of vinegar and baking soda for bad smells. In addition, consider disinfectant sprays. Disinfectant sprays can beat the smell at the source and create an environment that is unconducive to mold growth.
- Invest in Air Purifiers
An air purifier can help rid your building of more than just the odors caused by recent flood waters. With an air purifier, you can completely change the quality of your air. While it eliminates the cause of the odors, your house will smell beautiful in no time.
If your commercial property has a bigger challenge with odor after flood water has been removed, you can rely on a restoration specialist to help you. Recovering from a flood in Foxborough, MA can be intimidating, especially when you have a smell that just won’t go away. However, with these 3 simple tips you will be on your way to making it, "Like it never even happened."