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MOLD AND YOUR HOME

Mold is a hot topic in home health today. It is also something that is inevitable and everywhere. We are exposed to many varieties of mold in the air we breathe, the surfaces we touch and the food we eat. Some of it is invasive to the surfaces of our homes potentially causing damage or illness. If you find mold in your home what do you do?

Mold in home

First try to understand mold for what it is: a natural fungus. Professionals are continuously researching mold to learn more about the potential hazards and benefits of it. Much of the research being conducted regarding potential hazards sheds interest towards workers in remediation, waste management and agricultural fields who are exposed to large amounts of mold often. Not all mold is toxic and healthy humans are mostly unaffected by it. People with preexisting respiratory problems, young children and the elderly are more susceptible to having reactions. Other than that, generally most reactions to mold are allergic reactions just like people have to food or pollen. Don’t forget that some mold, like penicillin, is beneficial.

Still, many find mold growing in their homes concerning. They key to combating mold growth is moisture control. You can’t remove all mold spores from your home. There will always be at least a slight presence of spores in the air and in dust. What you can do is try keep the spores from growing with routine cleaning and controlling the amount of indoor moisture. All mold spore types require moisture to grow, starting with a wet surface. If you find mold it must be cleaned and dried and the source of the moisture must be found and corrected. If you only clean the spot of mold you see growing, you are only partially addressing the problem and it will probably return. If the moisture problem is simply the general atmosphere of where you live you may simply need to purchase a dehumidifier to control the humidity in the area.

So, when do you call a mold remediation specialist? How you address the cleaning of the mold in your home depends on multiple factors. You must consider the size of the problem. Typically, if the mold you find only covers a small surface area then you can clean it yourself following protection guidelines. Keeping mold out of the bathroom can be nearly impossible and requires cleaning surfaces often as well as good ventilation. Frequently wet surfaces should be cleaned routinely before the mold can be visually detected. If you suspect mold in your duct work, then you should refrain from running your air system until you’ve had the ducts professional cleaned and sanitized, and the air filter replaced. If mold is found in an area that suffered water damage, then perhaps additional water damage mitigation services are required (drying, antimicrobial treatment and possibly removing any remaining wet material). If you don’t know what the cause of the mold is then you should call an air quality specialist to test the area and write you a protocol report. Air quality specialists can identify things like the type of mold, the quantity of spores in a given area, the source of the moisture they’re feeding off, and what to do to correct it. In order to ensure complete and successful mold remediation services some restoration companies even require a mold protocol report. You can have the air quality professional back to perform testing after the mold remediation services are done for great peace of mind that the services were successful.

For mold you believe you can clean on your own without consulting an air quality specialist and a mold remediation specialist here are some guidelines. You can use plastic sheets and tape to create a containment between the affected area and the rest of the house (don’t forget the air registers!). Once you touch the mold it can actually “poof” the spores into the air and quickly spread. Always wear a mask, gloves and goggles. Many people have the mask and gloves down, but then forget to protect their eyes. The EPA suggests using an N-95 respirator. After cleaning off the mold make sure that the affected areas are completely dry and start or continue controlling the humidity in the room. Strongly consider tossing porous materials and textiles if they are moldy. Mold may breed into the open spaces within porous items and those areas can be impossible to treat and then thoroughly dry.

You can help prevent mold growth in many ways. Routine, general surface cleaning is a key factor, including keeping your gutters and your roof clear. Check your foundation and make sure that the ground is properly sloped so that water will drain away from it. Make sure to clean up/correct leaks and spills as soon as you are aware of them. Protect yourself when cleaning mold, and clean areas susceptible to it often. If you encounter mold that you believe needs professional attention, have your local air quality specialist test it and then call a trusted mold remediation specialist, like Whalen Restoration Services!

Homeowner’s Insurance: Get personal with your policy

You buy a house and take out a standard insurance policy on it. You pay your premiums and renew every year. All seems sound and simple until a storm comes and your house is flooded. All of a sudden you are told that you don’t have flood insurance and that nothing it covered. Don’t let yourself wind up in this situation. Don’t just renew your policy every year but reintroduce yourself and get to know it.

Insurance_Policy

The first item I need to urge you on is to make sure your policy is renewed on time! Write it on your calendar, program it into your phone, and make a big mental note. Usually policies are written yearly. In our industry we witness losses denied too often because of a lapse in coverage. The loss just so happened to occur in the month that sat between expiration and renewal. If that’s the case, you are unfortunately on your own to cover the expenses. I’m not saying don’t trust your agent to properly renew it for you, but I am holding you accountable for making sure it is done. You should obtain an updated copy of your policy once it is renewed.

Educate yourself on the amount of coverage you have. Is your dwelling (structural) coverage sufficient to support a major disaster? Consult a local building contractor if you would like a second opinion on just how much you should allot for, keeping in mind any changes you may make to the property. Do you have a separate flood policy? Flood coverage is not included in basic homeowner’s policies. What other events are excluded from your basic coverage? What is your standard deductible? What is your wind deductible? Are you subject to a specific hurricane deductible? Some deductibles can be very different than you standard deductible. Verify what exact perils the policy does and does not cover.

That covers mostly the house’s well being, but what about your personal property? Coverage for your contents is based on a percentage of your dwelling coverage. You may want to take out additional contents insurance for your antiques, guns, computers, silver, etc. This is where an inventory list comes in handy. If you take the time to inventory your belongings, say during your seasonal cleaning, you can bring that with you when reviewing the policy with your agent. An inventory would also come in handy if you were to suffer a major loss such as a fire. You’ll need an itemized contents list to submit to your insurance in order receive your contents limit.

What responsibilities do you need to uphold under this coverage? Keep inflation in mind. As property values rise, usually building costs do too. You must insure your home up to a certain percentage of the cost to replace it which will be set by your insurance company. Say this requirement is 80% (and just for this example you have no deductible – not typical I know): If it would cost $300,000 to replace your home and you have $180,000 (75% of the required amount) as your dwelling limit, your insurance company may only cover 75% of your loss. If you have $75,000 worth of damage, you could be responsible for paying $18,750 out-of-pocket!

Responsibilities also include proper maintenance. If you have a second home here on Cape Cod and you don’t refill the oil to keep the heat up during the freezing months, a pipe might freeze, break and flood your house. Since you neglected to keep the oil tank full and properly care for the property your insurance company may not cover the repairs. Seasonal maintenance checklists aren’t always just great suggestions or ploys for you to spend more at your local hardware store. You really should clean those gutters! Your coverage just might depend on it.

Talk with your agent about what happens if you do experience a loss. Ask them how much additional living expenses you are covered for if you lose the use of your home. Make sure it’s enough for you and your family. Don’t hesitate to set up an appointment with your insurance agent to review your policy at any time. They are your agent! It is part of their job to translate your policy details for you and make suggestions.

That may be a lot of information to take, in so here is a recap:

  • Always make sure your insurance policy is renewed on time and that you receive a copy
  • Make sure you have the proper amount of dwelling coverage not only so that you have enough to cover the cost of repair, but also to meet your insurance requirements.
  • Get to know the different deductibles you may be subject to and in what instances you will encounter them.
  • Look into possibly needing additional policies such as Flood insurance
  • Make & update your contents inventory!
  • Know your responsibilities required by your policy to keep coverage. Spring cleaning anyone?
  • Check on the living expenses you’ll be granted if you lose the use of your home to damage.
  • But all and all: Know your policy – talk with your agent!

Why do you at least need basic homeowner’s insurance?

It is amazing how many insurance options are available today. Health – Car – Boat – Animals – Jewelry – Even body parts! These days you can ask a loaner to insure just about anything for a price, with borrower responsibilities. Some options can be a bit extreme, but why do you need to insure your home?

Cost Graphic

Well first of all, your home is a costly investment. Should something happen to it, it could take years to rebuild the finances to replace it. In a policy, the structure is often referred to as your “dwelling”. Homes are so complex in how they are built that the costs keep running from the studs in the framing to the last coat of paint. Don’t forget about the cost of building permits and inspections also. Unless you hired contractors to have your home built from foundation up, you probably aren’t aware of the actual costs to rebuild the entire thing, including unattached property such as a shed or garage. When purchasing insurance, consult to make sure your dwelling coverage is suitable to cover a loss.

The next reason to insure your home is that not only does it house you, but also most of your belongings. Should something happen to the house, your contents (or assets) will also be affected. It is going to take long enough to rebuild the cost of the house, never mind the cost to replace your clothes, furniture, kitchens supplies, books, TV’s etc. Think about the things you would pack to bring on a long trip. The cost of those items alone, especially necessities, would be enough to justify insuring them. What a relief it would be if you happened to have a major disaster to know that you don’t have to agonize over replacing everything out-of-pocket.

I’m sure that you’ve heard one rendition or another of “be thankful for the roof over your head and the food in your belly”. Well, what happens if your roof is compromised and no longer over head? You still need a place to sleep, keep necessities, and shower. You may have to temporarily rent a place until your restoration company completes the repairs. With homeowner’s insurance you may be compensated for some of the costs to do so until you can return home.

Lastly, if you’ve taken a mortgage out on the house you might be strictly required to purchase and maintain homeowner’s insurance. Some lenders will even refuse to agree to a mortgage unless the applicant commits to doing so. Should you drop your coverage on your home, your mortgage company could even take action against you. In this case, if you want to keep your home, be sure to insure.

From coast to coast, everyone lives in a place that is vulnerable to accidents and disasters. Know the value of your home, keep good inventory of your personal belongings, and always make sure that your homeowner’s policy is properly renewed. Between securing your investment, securing replacement cost for your contents, keeping up with your mortgage requirements, or making sure you have a place to go; you need to have insurance for your home.

Emergency Services – Preparation for the Unexpected

plan

In today’s world, we are advised to have all sorts of emergency plans in place in the event that one thing or another is to happen. We have emergency preparation kits so that we are prepared for the next hurricane, Nor’easter, or blizzard. We have emergency evacuation plans to exit our houses safely during a fire. Emergency first aid kits are in our cars, emergency back-ups on our computers, and maybe even an emergency phone list just in case you can’t get to the bus stop in time to meet the kids. Unfortunately, not many people have an emergency plan in place for the event that they come home to a washing machine that has suds to the living room, a hot water tank that gave out its last leg, or a furnace puff back coating soot on every square inch of everything!

When you are faced with the unexpected, having a plan in place serves wonders on retaining a clear mind, lowering stress levels, and keeping damage to a minimum. Imagine: You’ve just finished a long day at work, completed your grocery shopping, and finally you’ve open the door to start prepping dinner when you find your kitchen floor sitting beneath a layer of water generously leaked from your failed dish washer. Thankfully you’ve already programmed your agent in your phone and done your emergency restoration company research. Smart phones can even save your policy number information directly with the contact. Your agent gives you a list of local emergency service providers, and you call the one that appealed to you most based on their reviews, testimonials, and maybe a quick phone call prior to sample their office personnel. One more call to your emergency service provider and within 60 minutes or less, help is on the way!

Phew! Imagine all the things you would have been bombarded with if you hadn’t had that plan in place. At key’s turn, with arms full of grocery bags, you would have had to hunt down your agent’s information, policy information, decipher with unknown resources which company to choose to provide your emergency services, and all while your ice cream is leaking! It is so very important to initiate emergency services as soon as possible, otherwise the longer the wait, the more damage to mitigate, but you’ll want to be confident that you’ve chosen the best company for the job. As with any in-home service, it’s a personal matter to invite technicians into your house – no matter what they are providing. Just as you would research your insurance company, the bank you do business with, or even your primary care physician, look into your local restoration companies before you actually need them. Be like a scout; be prepared!

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