Make a Flood Damage Claim in 4 Steps
Flooding in La Habra, CA
Follow These Four Steps
Recovering from a flood can be overwhelming. Make the process easier and reduce out-of-pocket expenses by filing a flood claim. Follow these four steps to prepare and file an insurance claim after flooding in La Habra, CA.
1. Document the Damage
Take photographs or record videos of damage to your home caused by flooding. Don't start the mitigation or cleanup process until you capture the extent of the damage.
2. Contact Your Insurance Company
Notify your insurance provider about the damage and schedule an appointment with an adjuster. You should also be aware that standard homeowner's policies typically do not cover flood claims. If you live in a region prone to flooding, you should obtain flood insurance coverage through the National Flood Insurance Program.
3. Schedule an Appointment With an Adjuster
An adjuster will assess the total amount of damage and prepare a proof of loss statement for the homeowner to sign. This is a necessary step toward filing a flood claim. Insurers may be backlogged if flooding has affected many homes in your area. If you are on a waiting list, use this time to start damage mitigation.
4. Take Mitigation Measures
Don't wait for an adjuster to arrive before starting mitigation. Once you document the condition of your home, there is no reason to let damage intensify. Most insurers will want to see proof of your efforts to limit damage in order to cover the full amount of an insurance claim.
Once you follow these measures and provide contact information to your insurance company, you have done everything that is usually necessary to file a flood claim. If you do not have flood insurance, try to apply for federal disaster assistance. This option is available if a federal disaster is declared in La Habra, CA. Insurance coverage and supplemental assistance can offset the cost of flood damage mitigation and restoration.
Pets and Fire Safety
Remember to include your pets in your fire escape plan
In the event of a home fire emergency, it pays to be prepared. That goes for keeping your pets secure, too. But what do you need to have ready for pets in the event of a La Habra,CA, fire? Having these three things ready in case something happens will help you be in a position of better pet safety.
1. Disaster Kit
You should always have a disaster kit ready for your pets in case a fire should start. This can resemble a human’s disaster kit, but you should research the specific supplies that are necessary to care for your pet’s special needs in a crisis.
2. Evacuation Plan
During a fire emergency, an evacuation plan for your pets is an important element of pet preparation to have in place. Practice removing your pets when you simulate your escape plan, and make sure to have a safe space ready if you need to shelter your pets elsewhere after evacuating your home.
3. Important Records
Pet vaccination and ownership records need to be easily accessible in the event of a disaster in the home. Keep these documents in a fire box so they will not get ruined by flames or smoke damage. If a firefighter or other rescuer finds your pets, these papers will help him or her to understand what the animals’ individual needs and histories are.
Remember, you always need to protect yourself and your family members before attempting to rescue a pet, and you should never let an animal delay your escape time. No one wants to think about a fire emergency at home, and it can be stressful to figure out how to take care of pets in such a time. However, being prepared with the steps above and researching methods of better pet safety will allow you to react more calmly under pressure should a fire occur.
Do I Have To Worry About Flood Damage If I'm a Tenant?
Purchase your flood insurance in Fullerton,CA
Mitigating the risk of home flooding can be nerve wracking, and doing so in a landlord/tenant scenario brings its own set of unique worries. Both renter and tenant may wonder about practical things like who handles flood cleanup or whether renter’s insurance covers flood damage. Be prepared by understanding the responsibilities of renters and tenants in Fullerton,CA.
Unfortunately for tenants, landlords are not responsible for insuring their tenants. It’s for this reason that so many rental properties insist on tenants obtaining a renter’s insurance policy to cover their belongings. The good news is that such policies are cheap and plentiful. In general, the landlord’s responsibilities when it comes to flood damage extend to:
- The building structure itself as well as flooring, wiring, plumbing, and appliances
- Repairs required to make a space legally habitable
While not legally required to, landlords are also urged to let renters know about the potential for flooding in the area. Doing so can shield landlords from liability suits.
Tenants have limited responsibility in the face of flood damage to a rental house or apartment. That responsibility generally extends only to the things that are inside a unit. Personal items are typically addressed by tenant insurance coverage, as are the cost of temporary relocation and normal living expenses if the building is unlivable.
With that said, flood insurance policies are indeed available to renters. Tenants can buy a policy from the National Flood Insurance Program (NFIP) to cover contents up to $100,000. Like standard tenant insurance, this type of policy covers personal property and contents during a flood.
The decision to purchase flood insurance is up to the individual renter. In most cases, renter’s insurance is enough, but flood insurance can put your mind at ease. Use the above to inform your decision, or contact a local expert in flood damage cleanup to help you choose.
My Toilet Leaks Every Time It Is Flushed
Nobody wants a leaking toilet in La Habra,CA
Nobody wants a leaking toilet. The biggest problem is that the leaks can be difficult to find. However, if a toilet leaks when flushed, that narrows the possibilities considerably. There are three toilet components that need to be examined on a toilet that leaks when flushed. They are the:
- Flange that is attached to the drain.
- Closet bolts that secure the toilet to the floor.
- Wax ring that seals the connection between the toilet and the flange.
Try the Simplest Fix First
For the wax ring to do its job, it needs to be tightly compressed between the toilet and the flange. This compression is delivered by the closet bolts that attach the toilet to the floor. If these bolts are loose, water can leak around the wax ring when the toilet is flushing. You can tighten the bolts as follows.
- Remove the caps covering the bolts.
- Tighten the first bolt a little and rotate through the rest of the bolts doing the same. Repeat the process until all the bolts are snug. Do not overtighten the bolts or you may crack the toilet’s base.
- Place the caps back on the bolts.
The Next Step Requires Removing the Toilet
If tightening the closet bolts didn’t stop your leaking toilet, the next step is to remove the toilet and examine the wax seal, the flange and the toilet. You are looking for:
- A broken Flange.
- Toilet damage where it meets the flange.
- A dry or damaged wax ring
If the toilet and flange seem undamaged, replace the old wax ring and reattach the toilet to the floor. Hopefully, the new wax ring eliminates the leak.
Leaks You Don’t See
The only thing worse than a leaking toilet is a toilet where the leak is out of sight. By the time such a bathroom leak is discovered, the damage can be significant. That’s when you call in water and sewer cleanup specialists located in the La Habra,CA, area.
Tips for Water Damage to Wood Floors
Water damage on wooden floor in La Habra, CA
Oops, a customer spilled a glass of water on the wood floor at your business in La Habra, CA. Of course, you tell him not to worry about it. You quickly wipe up the wet floor and it looks as good as new. A few weeks later, you discover that a pipe burst at your same commercial property. This time you know that wiping it up is not as easy as it sounds. What should you do next?
All Wood Is Not Created Equal
Depending on the type of wood floor that you have installed, it may or may not be salvageable:
- Real, solid wood flooring has the best chance of returning to its original state after exposure or submersion in water. However, mold growth can occur in as little as 48 hours. Act fast to begin steps to dry the floor within that time period.
- Subfloors usually remain structurally sound if dried quickly. The floor above it may be temporarily removed to allow improved air ventilation while drying.
- Porous materials, including drywall and insulation, most often cannot be saved. This same principle applies to wood composite. When exposed to a significant amount of water, this type of wood material absorbs water and swells. Usually no amount of drying returns it to its original state, therefore it must be discarded and replaced.
Water Damage and Wood Flooring
The following steps increase the likelihood of saving your wood flooring after a pipe burst:
- Take immediate action. Water restoration specialists typically arrive within hours to assess the situation and begin drying procedures.
- Until help arrives, mop or blot as much excess water from the wet floor as possible. Remove items from the floor, such as papers or other inventory.
- If there is significant flooding, evacuate employees and customers to ensure safety.
- Call your commercial insurance agent to see if water damage is covered under your policy.
Time is of the essence when the wood floor at your commercial property in La Habra, CA, is in danger from a pipe burst. With the right actions, it may be possible to save your floor.
My Flight Was Canceled - Now What?
Storm in Fullerton, CA? Don't let this ruin your trip
Whether you have been planning a trip or trying to get home, few things are more frustrating than finding out you have a canceled flight due to stormy weather. What can you do after such a cancellation? Here are three tips that you can use to make the situation less chaotic.
1. Contact the Airline
The first thing that you should do is contact the airline. If its customer service is exceptional, you should be able to get rebooked fairly quickly. It is better to make a call than to wait in long lines, as you can get through faster and be in the air earlier.
2. Consider Lodging
This tip is important to remember after a canceled flight if you are currently traveling: if it does not look like you will be getting a new flight very quickly, do not take a chance on not having somewhere to stay. Do some online research so you can book the most affordable yet comfortable hotel room. Rest is important after a trying day, and an airline issue should not result in you being stranded without shelter in dangerous conditions. If you are stuck home in Fullerton, CA, and are not sure what to do about storm damage, contact a restoration company for assistance.
3. Research Reimbursement
The airline understands that a canceled trip is stressful for you; as a result, you may be able to get a refund of some sort from the company. Whether you end up getting all of your ticket money back or compensation for your hotel charges, it could pay to call the airline and see what it considers you are entitled to.
Being aware of an airline’s cancellation policy before your journey begins can help you prepare for a possible canceled flight. In any case, the flight-related storm tips above will help you stress less and get back to enjoying your current or future travels once a storm passes.
How To Get Rid of Mold for Good
Mold remediation on dental office in La Habra, CA
There are many reasons why your La Habra, CA, home could be suffering from a moisture problem. There are many common wetness issues homeowners face:
- Leaky pipes
- Bathroom humidity buildup
- Musty basements
Unfortunately, where there is unresolved dampness, there can also be another more pressing crisis: black mold.
Taking Care of Your Moisture Problem Will Not Wipe Out Mold
While getting rid of any damp areas and fixing what caused the wetness is the first step to mold cleanup, it, unfortunately, doesn’t eradicate mold. Mold is a microscopic fungus that has to feed on its environment in order to survive. It needs things that other living organisms need, such as food, oxygen, water and warmth. Once these basic environmental nutrients are removed, black mold will most likely become inactive and unable to grow.
Even with your moisture problem gone and the mold dormant, mold cleanup is still needed in order to be permanently rid of it. Mold doesn’t go away on its own because it spreads by putting out spores that travel to other places in your home through the air. Once in your La Habra, CA, home, these spores are all around and very difficult to conquer; all they need is a small nutrition source to take up root and multiply again. With mold spores being invisible to the human eye, it’s important to fully eliminate them the first time to keep them from coming back and multiplying again.
Why Professional Mold Remediation Is the Way to Go
Black mold is never something you would want in your home. Fortunately, professional mold cleanup is generally quick and easy. With their advanced equipment and extensive training, mold specialists are able to get the job done safely, bringing you invaluable peace of mind. Let a mold remediation team keep that pesky organism from growing in your home and get rid of it for good.
How To Remedy a Garage Flood
Sump pumps can be used to get rid of water flooding in your business garage
When you own a commercial property in La Habra, CA, storm season may leave the parts of your building that bridge the gap between the external and internal areas vulnerable. Your structure's garage may take on flooding, and you may need special equipment and professional storm cleanup services to help. Here are three ways that you can remove standing water from your garage area.
1. Sump Pumps
Many basements are equipped with sump pumps to start extracting floodwater as soon as it becomes a problem. Some pumps are portable, allowing the cleanup crew to move them to the place that needs them the most. An industrial sump pump is designed to remove large volumes of water from the flooded area to a container of some sort. It is an effective way to remove water quickly.
2. Trash Pumps
Sump pumps can get clogged, so they're not the best solution when it comes to removing trash. If there is a lot of debris in the flooded area, a trash pump may be necessary. This piece of equipment can remove sludge as well as water.
3. Truck Mounts
If you are removing a large amount of water from your garage, the water has to be moved somewhere. If the flooding occurred as the result of a storm, the water is a Category 3 contaminant and thus must also be disposed of in a way that does not further contaminate the garage or some other area. Truck mounts siphon the water into a storage unit in a truck so that it can be transported easily to the disposal site. The sump pump or trash pump being used does the work on the scene while the truck mount directs the extracted substances into storage.
When storms flood the garage of your commercial building, don't just ignore it and hope the problem will dissipate. Taking action to extract water and debris with the right equipment can get the space clean and functional faster.
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Landlords and Tenants – After a Fire, Who Pays for What?
Apartment fire damage
Sadly, fires happen when they are least expected. Apartment fires, high-rise blazes, and even warehouse infernos can leave tenants without homes and businesses without operation potential. Fires can be destructive, deadly, frustrating, and confusing. One of the biggest questions after fire damage has spread through a commercial building is, “Who pays for the damage, the landlord or the tenant?” Even the building owner can be confused about who has what rights after an apartment fire in La Habra, CA.
Types of Damage
There are two types of damage a building most often sustains during and after a fire.
• Structural damage
• Content damage
Structural damage refers to the actual brick and mortar construction of the building and property owned by the landlord. The second type of damage, content damage, denotes the contents inside the structure that were damaged by both the fire and the chemicals or water used to fight the fire.
Since the landlord owns the apartment building, office structure, or warehouse, it seems reasonable and responsible to expect him or her to have insurance on the structure. This insurance covers only the actual structure, grounds, and company owned possessions for that building, and typically does not cover any of the tenant’s possessions.
Personal possessions of the tenant, business, or leasee are under the legal protection of that person or company. They are responsible for providing renter’s insurance or business coverage in case of an apartment fire, unexpected flood, or numerous other possible acts of destruction. Depending on the type of insurance purchased, the goods can be protected anywhere from 80 percent of their value up to and including total replacement value. In addition, the insurance policy can often cover restoration and cleanup charges.
If an apartment fire affects someone you know, help them locate their insurance policy and then contact their insurance agent. The fire may have only been a weekend inconvenience, or it could be a life-altering event. What they may need more than anything is a good friend and a steady shoulder.
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The Slithery Drain Hero: Clearing Clogged Drains With a Plumber’s Snake
Clogged toilet can hinder your daily routine in your home or business
If your water stopped draining or slowed significantly, it is possible that your drain or the surrounding pipes are clogged. An auger, or plumber’s snake, is capable of freeing small blockages and may be the answer to your problem. Follow the steps below for proper snake usage and to possibly resolve your drainage issues.
Step 1: Guide the Snake Into the Drain, Feeling for Resistance
The first step is to slowly guide the auger into the drain, pushing with steady and even pressure to avoid coiling the snake within the drain. As you push the snake deeper into the pipes, pay attention to resistance because this may be a sign of blockages.
Step 2: Rotate Drum Handle Until Snake Moves Freely
Once you feel resistance, begin rotating the drum handle of the auger. As you rotate the handle, the snake turns, and the rotation helps the snake dig into and possibly past the clog. Slowly push the snake further into the drain, continuing to rotate, allowing the snake to break through the blockage and move freely.
Step 3: Remove Snake and Run Water
Once the snake is moving freely, slowly pull it out of the drain. It is important to take your time because moving too quickly may free the debris entangled on the auger’s head, possibly causing the pipes to remain clogged. Once the snake is clear of the drain, run the water for a few minutes to inspect the flow and drainage.
Step 4: Call for Help
If the problem persists, there may be a larger issue. Aside from more possible blockages, there may be a pipe break causing the poor drainage, and it may be time to seek out a plumbing or restoration specialists in the La Habra, CA, area.
Clogged pipes can be a hinderance to your daily routine, but a snake may be the answer. By applying the above steps for proper snake usage, you may free the flow of your water and avoid further inspection. If problems persist, then you may want to seek professional assistance and avoid the annoyance of a slow drain.
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