Recent Water Damage Posts
Does Filing an Insurance Claim Raise Your Rates?
Flooding from water loss in Raleigh, NC
Homeowners considering whether to file an insurance claim may be concerned about rate hikes. In general, filing claims is likely to result in higher rates. Find out more about why this is the case and a few possible exceptions.
Number of Claims
The number of claims a homeowner files will impact their insurance rates. It is usually the case that:
- The more claims that are filed, the higher the rates
- Some types of claims may result in higher rates or policy changes
- Too many claims may result in policy termination
A policyholder should consider whether filing an insurance claim for minor damage is worth raised rates or changes in coverage.
The Type of Claims
Rates will generally rise whether the losses claimed are partial or total. Factor in the following considerations:
- If the policyholder is at fault, rates are very likely to rise
- If the policyholder is not at fault, rates may or may not rise
- Some types of claims may raise rates and cause policy cancellation
Certain claims, including water damage or mold, may be more likely to result in significant rate hikes or policy changes. A separate flood insurance policy is necessary to cover a home flood.
The Insurance Provider
Some insurers are more forgiving of certain types of claims. Inquire about an insurer's rules regarding:
- Forgiveness or limitations
- Rate increases
- Reporting consultation for potential claims
A homeowner should be aware of policy terms and insurer practices. This information may increase the likelihood that coverage will offset damage cleanup and restoration costs.
A homeowner may want to set aside money in a savings account. Lower insurance rates by raising the deductible to match this amount. The homeowner can use these funds to cover minor damage instead of filing an insurance claim. If a residence sustains damage, obtain an estimate from a mitigation and restoration company in Raleigh, NC.
What To Do When Water Gets In Your Crawlspace
Water damage on a crawlspace in Cary,NC
Water in a crawlspace can come from a variety of sources. Some of these causes are preventable, whereas others call for quick action to eliminate standing water caused by flooding. Here are three methods for fixing a wet crawl space and preventing the issue from recurring.
1. Identify the Source
A crawlspace may flood for a variety of reasons. Conditions brought about by overflowing surface or subterranean water can be difficult to prevent, but should be cleaned up as soon as possible. Grading problems, clogged gutters, and improperly installed downspouts can also lead to crawlspace and foundation issues. A broken water line or sewer backup can also cause water to collect in a crawlspace.
2. Pump Out Water And Dry
Residential water damage restoration services have all of the expertise and equipment needed to quickly restore a wet crawl space. Professionals rely on pumps to get rid of water and blowers and dehumidifiers to speed drying. This equipment can limit the extent of damage and mitigate mold.
3. Fix the Cause
You may be able to prevent water from collecting in a crawlspace by adjusting the grading of your landscaping and carefully monitoring watering in beds near the foundation of your home. Clear your gutters and make sure that downspouts direct water away from the foundation and have a two-foot splash block. Have plumbing regularly inspected to prevent pipe breaks and take measures to prevent bursts due to freezing temperatures by heating your home and allowing a faucet to drip.
Mold may have already started to develop if water has been standing or moisture has lingered in your crawlspace for 24 to 72 hours or longer. Conditions in a wet crawl space are ideal for mold growth. You may want to hire a water damage restoration service with certified mold prevention, testing, and mitigation experts on staff in Cary, NC.
Tips To Tame a Leaky Toilet
Repairing a leaking toilet may seem easy, but water damage caused by the leak can be more extensive.
As a homeowner in Cary, NC, nothing can be more frustrating than a leaking toilet. Finding water at the base of your toilet every time you flush is no laughing matter. Left unrepaired, even the smallest leak can lead to water damage.
Tighten the Bolts
The plumbing connecting your toilet to the floor is the most likely cause of the leak. This consists of a metal flange and a wax seal pressed together by bolts at the toilet’s base. Tightening those bolts may fix the seal and stop your bathroom leak. Alternate between each bolt until your toilet is again firmly secured to the floor, being careful not to overtighten and cause damage to the fixture.
Replace the Seal
If there is still water seeping from the base, then the wax seal or metal flange might be at fault. You can contact a plumber to handle the repair or attempt to fix the leaking toilet yourself following these steps:
1. Turn off the water running to your toilet, remove the tank’s water supply, and flush to drain the tank and bowl.
2. Remove bolts and lift the unit by the bowl, setting it aside, and look for water damage.
3. Scrape away the old wax seal, checking the flange for cracks or breakage.
4. Install a new wax seal (and metal strap if needed) and lower the toilet back into position.
5. Tighten the bolts firmly to ensure a good seal, and reattach the water supply.
Check the Flange
While replacing the wax seal, see if the metal flange is damaged; if that is the case, it needs replacement. Place a rag into the sewer pipe to prevent gases from entering your home, and remove the old flange. Bring it with you when purchasing a new one to ensure it’s the proper size and type for your toilet. Remember to remove the rag before replacing the bowl.
Repairing a leaking toilet may seem easy, but water damage caused by the leak can be more extensive. Call a local professional in Cary, NC, to assess the situation and prevent further, more costly damage down the road. For more information, visit http://www.SERVPROcarymorrisvilleapex.com/.
Can Carpeting Be Saved After a Flood? 3 Factors To Consider
When flooding occurs in your Raleigh, NC home, the results can be disastrous. From dealing with a pipe break to a burst water heater, assessing the water damage afterward may take some time as you sort through wet items and consider the cost of repairs. However, one item you may be unsure about replacing is wet carpeting. Before you make this decision, there are a few factors you might want to consider, as they can affect the well-being of anyone who lives in your home.
1. How Old Is the Carpeting?
A carpet's age can affect the level of damage that occurs during a flood. If the fibers are already worn, they may not absorb as much water and the carpeting may be easier to dry. However, older carpeting may shed more fibers after a flood and leave thinning or bare patches. In this case, you may want to replace it.
2. What Kind of Flood Was It?
Before you decide to remove your home's carpeting, you may want to consult a flood cleanup and restoration company. These professionals can advise you on what types of flood water may be hazardous to your health and whether your carpets can recover. For example, sewage water or flooding that occurs in your home after a heavy rain may contain pathogens and microbes that can cause serious illness. A carpet saturated with outdoor flood water cannot be salvaged, so you may want to have it torn out as soon as possible.
3. Has Mold Set In?
If it takes more than a few days to fix a pipe break and your carpeting remains wet, mold can set in quickly. Mold typically grows on the padding underneath carpeting first, so you may need to have it inspected. If no mold is present, you may be able to save affected carpeting with proper drying.
Carpeting in your Raleigh, NC home can be affected by flood waters from a pipe break or torrential storm. Asking yourself a few questions about the extent of the damage can help you make the best decision possible. Visit http://www.SERVPROcarymorrisvilleapex.com for more information on water damage.
How to Handle Sewer Backup
Of all the dirty jobs you have to do as a homeowner, sewer cleanup is going to take the cake. When there’s a flooded toilet involved, or when a storm triggered a sewer backup, it’s time to start weighing your options. If you’re feeling overwhelmed, here is what happens during a cleanup effort:
Pump It Out and Dry It Out
All the gunk that comes along with a sewer cleanup has to be taken out. You or your cleanup professional will have to start the process right away. Often, sump or trash pumps will be used to clear the water from your home. Then, with the use of fans and dehumidifiers, your residence will be dried.
Restoration and Carpet Repair
Carpets have to be considered in the sewer cleanup. Most of the time, carpets are not able to be saved, they have to be replaced after coming in contact with sewer backup. However, there are cases where they may be able to be salvaged. In these instances, the carpets have to be removed and scrubbed thoroughly. Remember that moisture is a breeding ground for mold, and when it comes to porous belongings, there are places for the mold to hide. Everything must be disinfected and cleaned.
The problem after sewer cleanup is that sometimes you still have to figure out what to do about the smell. The cleanup process will remove most of the scent, but not always all of it. If you find that the odor is lingering in your home, you can utilize HEPA air filters to clean the air and air fresheners to make the situation tolerable. Over time, the smell should fade.
No one wants to have to go through a sewer cleanup. It can be a difficult task, but when taken seriously and with the help of specialists in Raleigh, NC your home can be clean again in no time. Visit http://www.SERVPROcarymorrisvilleapex.com for more information on water damage.
The Dangers of Black Water Floods
The Dangers of Black Water Floods
According to the ANSI/IICRC Standard S500, there are three categories of severity when it comes to the different types of liquids as they pertain to water damage. Using the right techniques and materials is crucial for speedy restoration.
Category 1 consists of clean water from a sanitary source, such as drinking fountains, faucets, and toilets. When left sitting too long, damage from these sources can quickly become worse.
Category 2 is sometimes referred to as grey water. It contains contaminants such as bacteria and viruses that can cause illness. Sources include toilet overflows of liquid only and dishwasher water. Restoration plans typically include large air movers and carpet and upholstery cleaning, depending on the severity of the damage.
Category 3 is grossly unsanitary and can cause serious bacterial growth in your home. This type of water damage is also known as black water, and it can be the result of flood waters.
When there is an overabundance of water in usually dry areas, sewers can back up and spew the raw sewage into the open. This could mean it is expelled up through toilets or into the streets and parking lots. Flooding is less centralized than other types of overflow water. As a result, it may be unpredictable and difficult to clean up Category 3 water.
Safety Is a Priority
Mishandling black water in Raleigh, NC can be hazardous to humans and animals. Mold can grow in small areas and spread quickly. Bacteria and fungi can take hold on wall boards, carpeting, and upholstery. Commercial sewage and mold remediation can present unique challenges. The class of destruction is as important as the category of liquid involved when it comes to cleanup procedures and techniques.
Professional water damage restoration services can come into the flood area to dry and repair substructures in addition to cleaning up the mess, from drywall and plaster to concrete and metal surfaces. Trained technicians can assess the damage and create the best plan for repair. Visit http://www.SERVPROcarymorrisvilleapex.com for more information on water damage.