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Does Your Homeowners Insurance Cover Mold?

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Homeowners insurance overage is contingent upon the wording of a policy and the source of mold.

For instance, nasty, unsightly mold can be found anywhere and usually it’s harmless. However, issues can arise when mold from consistent moisture goes unresolved. As a result, moisture leads to widespread growth. Therefore, coverage of mold damage remediation by your homeowners insurance boils down to the source of that mold. Basic policies exclude damage caused by fungi, mold, and bacteria. Keep in mind, that doesn’t mean your claim will be denied.

If mold results from sudden and accidental causes like a burst pipe, remediation costs should be covered. Technically speaking, the burst pipe is to blame. Neglected home maintenance, such as slow leak or exposure to humidity, would more likely be rejected by your provider.

Prevention is Key to Avoiding Mold Damage

The safest way to avoid a mold claim is to keep moisture and humidity at a minimum. Consequently, to prevent mold growth, take the following precautions:

  • Lower indoor humidity with dehumidifiers, air conditioners, and exhaust fans.
  • Inspect fittings on pipes, appliances, toilets and sinks
  • Use bleach and other household cleaners to keep mold at bay upon first sighting
  • Ask your local paint dealer about primers and paints that inhibit mold
  • Keep gutters clean and remove ice dams to avoid roof leaks
  • Do a seasonal check for moisture in areas that are prone
  • Avoid using carpeting in areas prone to moisture like bathrooms and basements
  • Remove textiles immediately after flooding, mold spores grow rapidly after the first 24-48 hours.

Reviewing your homeowners insurance policy for language pertaining to water damage limitations or exclusions will generally tell you if your covered. If you are suffering from mold damage and are unclear of your coverage, ask for clarity by providing our mold damage experts with a copy of your policy. We’re happy to help. We’ve worked alongside hundreds of carriers to remediate mold from policy holder’s homes. We’ve got you covered.

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Typical Home Inspections—What They Don’t Say

Home inspector

 

It’s what is not included in home inspections that’s important

Typical home inspections do not include looking for insect or animal infestations or cracks that cause water damage, or mold. E-gads! Most people assume that these dastardly home damaging items are part of every home inspection punch list, but inspectors are not licensed to find them.

Mold, rats, termites, oh my! Home Inspections nightmares.

Your inspector may note that the floors are spongy or saggy. There may be evidence of termites in your home or insulation is torn and tattered possibly caused by rats.  Black junk on the walls might be evidence of growing fungus however; to prove that it indeed is termite, rodent, or mold infestation, you need to hire a specialist.

Don’t take a dive into unknown waters

Is your home inspector certified for all types of damage to your property? If your home has a swimming pool, for instance, they may turn on the pump or heater to ensure working condition but may not look for cracks that cause leaks and ultimately water damage. To get to the bottom of what is really going on, you may need to hire a septic systems expert or a property damage expert. A pool leak could cause significant flood damage issues considering the amount of water it contains.

Roof walking, or not?

Your inspector is not required to get onto the roof to inspect it. If the roof is more than one story high, and the weather is bad, they may stay squarely planted on the ground—taking notes from there. Walking the roof is the way a true property damage specialist will inspect it. A professional will look for damaged gutters, loose or missing shingles, or clogged downspouts as well as the general condition of the roof.  In addition,  a specialist will check inside the home for areas that appear to be compromised by leaks.

Call a property damage expert If your home inspection even slightly eludes to termites, rats, mold, cracks, leaks, or missing shingles. A consultation can help to eliminate the possibility of damage that can be hidden from the naked eye of a novice.  Advance Restoration specializes in property damage from water damage to fire damage, roof damage to mold remediation and, with our free assessment promotion, there is nothing to lose.

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Thunderstorm and 60 MPH Winds in S.E. MI

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Threats of thunderstorm, high winds and hail one inch in size possibly moving through Southeastern Michigan today. The potential is real for strong wind to cause hail and roof damage. There is potential for damage to windows, roofing and property. Water damage due to roof leaks can wreck havoc on the interior of your home. Depending on how much precipitation—sewer backups may be an issue.

Thunderstorm may also cause basement flooding.  The warnings impact Wayne, Oakland, Macomb, Lenawee, Monroe, Lapeer, Livingston, St. Clair, Washtenaw, Shiawassee, Genasee, Sanilac, Tuscola, Saginaw, Bay, Huron and Midland counties.

Apparently, an approaching cold front is to blame for continued showers early this afternoon gradually clearing Thursday, making way for a great weekend weather. For every storm, there is a rainbow.

For those of you in the path of the thunderstorm, we are there when you need us. Our team is nearby for flood cleanup, water extraction, hail damage to roof, fallen tree services and more in Southeastern Michigan. Open for emergency service calls for thunderstorm damage repairs 365 days a year. Our storm repair experts are standing by in our mobile command centers in your area. Professionals will assess the damage and create a plan for recovery. Responding to water or storm damage in a timely fashion is critical to full recovery. Avoiding secondary damage can shave time and money from damage repairs.

Call Advance Restoration for 24/7 response to roof repair or water damage due to flood. We provide immediate relief with water extraction pump out and roof repairs. Our experts are always ready to serve.

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3 Top Causes of Water Damage

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Many factors contribute to the destruction of water leakage in your home or business. Water can literally destroy hardwood flooring, drywall and important documents and electronics. Three of the most common causes of water damage are outlined below along with and some helpful tips for staying dry.

Water Damage and Extreme Temperatures

Changes in temperature that are extreme can cause pipes to crack, burst and leak. While we know this is common in consistently cold climates, burst pipes can happen with any type of temperature change that is extreme enough even in warmer climate zones.

Tip: Hot water temperatures can weaken your pipes over time so stay away from higher heat settings for this reason and protect your pipes by insulating them from the elements. 

Rusted Plumbing

Copper and steel pipes used in older home construction put your pipes at a higher level of risk. Rust accumulates and can block the flow of water in pipes allowing rust to take hold and weaken the structure of pipes causing erosion and consequently leaks.

Tip: Have a professional plumber give your pipes a tune up every 2-3 years to make sure the connections are secure and pipes are in good condition.

Natural Settling of Foundation

The natural settling of your home or property can cause cracks in the wall of your foundation causing water to seep through causing flooded basements or crawl spaces. Pipes can be displaced during times when settling is taking place causing them to weaken, crack, or even break leading to water damage or flooding.

Tip: Checking the walls of your foundation once a year can help to ward off any issues. If you find cracks upon inspection, contact an expert to determine how widespread the issue is and repair damage a timely manner to ward off unwanted water disasters.

Looking for water extraction and restoration from any type of water incident, contact the water damage experts—Advance Restoration.

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What is the Polar Vortex Hitting Southeast Michigan, and Why Do We Care?

Polar Bears

Although Metro Detroit is nearly halfway through our spring season, we are expecting snow this weekend. A band of colder-than-usual weather is scheduled to hit the Great Lakes region causing lower than normal temperatures hovering in the 30s and low 40s—a veritable Polar Vortex.

According to the National Weather Service, the polar vortex is a large area of low pressure and cold air surrounding both of the Earth’s poles. It always exists near the poles, but weakens in summer and strengthens in winter. The term “vortex” refers to the counter-clockwise flow of air that helps keep the colder air near the poles. Many times during winter in the northern hemisphere, the polar vortex will expand, sending cold air southward with the jet stream. This occurs fairly regularly during wintertime and is often associated with large outbreaks of Arctic air in the United States.  

But it’s spring!

Yes, the metro Detroit area is slated to get the core of the frigid air starting as soon as today. Freeze warnings and snow have been issued but even if the flakes don’t fly, temperatures in southeast Michigan are expected to be in the  high 30s to mid 40s making Mother’s Day feel more like Christmas! Add to that the flood warnings along the shoreline and you’ve got a recipe for disaster.

Why do we care?

We care because it’s just one more thing to worry about, as if we didn’t have enough already what with the pandemic and all.

The good news is that as the vortex spins its way southward and loops its way around the Great Lakes and northeastern U.S., it might just be good for social distancing!

As a water damage restoration company in Southeast Michigan,  Advance Restoration, never thought we would have to be discussing burst pipes in May and, during a pandemic of all things. But, despite all that, as an essential business—we are open and here to support commercial and residential property owners that experience flood damage from lakeshore issues and frozen or burst pipes due to the polar vortex. For help now in southeast Michigan, call 866-505-3166.

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How to Avoid Property Damage

3 Spring Tasks Homeowners Always Do to Avoid Property Damage

Easy April projects that keep your home safe

#1 Green Up to Avoid Property Damage

Patching those bare spots in the lawn can keep water out of your home as spring rains and storms roll in—make this one of your annual spring duties to avoid property damage.

Grass is an effective barrier for excess rain. Those in-the-know use grass and valleys to redirect water away from a home’s foundation. And the best news is, it saves you thousands of dollars compared to other waterproofing methods.

#2 Become an Inspector!

Investigate your roof for leaks—taking a close look at your roof after a long winter is the ideal way to avoid leaks and roof repair down the road.. 

Slink around the outside of your house with some binoculars. Yes, we said slink. Binoculars give you a closer looksee and is much safer than roof walking. Look for signs of property damage such as:

  • Loose shingles
  • Damaged or clogged gutters
  • Peeling paint
  • Foundation cracks
  • Detached downspouts

Most of these issues can, and should, be easily repaired at a relatively low cost to protect the inside of your home from water damage that can become even more costly.

#3 Change the Battery—Chirp, Chirp

Smoke detector batteries lose charge over time—change them twice per year to avoid the dreaded chirp!

What better time to refresh those batteries than spring and winter? Almost all types of smoke detectors chirp to let you know it’s time to change the battery. However, why is it that chirp always seems to happen in the middle of the night? 

Getting ahead of the game by scheduling a battery swap can go a long way to keeping your sanity intact while protecting your home from disaster.

That about sums up our Spring to-do list. If you find property damage during your inspection and you’re not sure what to do, contact Advance Restoration at 877-363-7462.

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Avoid Water Damage

5 Tips You Can Use Now To Avoid Water Damage Later

 

April showers bring May flowers. Although a little water never hurt anybody, a downpour can cause unwanted water damage like roof leaks or water in your basement. Never fear, maintain your home with these smart tips to avoid water damage and you’ll be safe and dry.

Clean your gutters. Keep gutters clear of debris and damage-free by directing water away from your house with the use of downspout extensions.

Cover your wells. Use plastic covers to keep rain out of your window wells — to prevent a wet basement.

Repair Roof. Give your roof a once-over seasonally to make sure you don’t have any missing shingles, repair any damage and keep your flashing sealed to keep water running off the roof, not into your home.

Strong Foundation. Angle the ground away from our foundation and plant landscaping at least 3 feet from your foundation to keep water from seeping in. Be sure to police your foundation for cracks and keep them filled to avoid water damage.

Pump maintenance. Check your sump pump regularly—they only work to avoid mishaps if they are functioning properly. Call a professional if your sewer backs up.

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Got Water Damage and Mold During Covid Pandemic?

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We’re there when you need us. Even during Covid Pandemic

Water damage from leaks due to rain, drain water backup, or other moisture issues don’t stop just because there is a Covid pandemic.

Commercial and residential property owners still need to find a reputable restoration company nearby to remediate and mitigate these structural and health hazard issues. If you are experiencing water or moisture problems, these can lead to mold growth which can become toxic and unhealthy for those who are exposed and are more susceptible or immunocompromised.

Advance Restoration has been working throughout the Covid-19 Pandemic. Deemed an “essential business” from the start, we have continued to perform restoration work while adhering to CDC guidelines. Although in our line of work, restoration experts have always worn PPE and utilized containment and proper protocols for mold remediation and water damage as outlined not only by CDC, but the EPA and our own industry gold standard organization, the IICRC. As an IICRC certified firm, you can rest assured our company, located in Macomb County and throughout Southeast Michigan, is trained and equipped to manage your mold or water damage now or during the next Covid wave.

Need services now? Call 866-505-3166 to speak to one of our friendly customer service agents.

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Restoration Services Designated “Essential Business” during Coronavirus pandemic

Coronavirus

Advance Restoration is designated as an “essential business” during the Coronavirus pandemic as deemed by Homeland Security and CISA.

Currently, as of the date of this article, there is no CDC or EPA approved cleaning or disinfecting agent(s) guaranteed to kill the Covid-19 pathogen. Since we are a designated essential business, we are continuing service to customers in extreme emergency situations for water, fire and mold damage while using precautions to ensure their safety and the safety of our field staff according to government guidelines.

Here is what we are doing:

  • Following the CDC guidelines for employers to manage the spread of coronavirus in the workplace and in the businesses and residences we provide services for.
  • As always, following the IICRC standards for the cleaning and restoration industry.
  • Providing work for emergency services only, prioritizing highest need for customer health and safety first.
  • Emergency work we perform includes fire damage, water damage, wind damage, and mold remediation. We do not treat Covid-19 at this time.
  • Applying and cleaning surface touchpoints contaminated by toxins, mold or water using approved sanitizing agents.
  • Ensuring our cleaning and sanitization experts are healthy and properly outfitted with hazmat biohazard suiting, booties, and N95 masks before entering any commercial building or residence.

If you have an emergency for fire damage, water damage, storm damage or other residential or commercial disaster—we’re there when you need us. Our staff will be masked up and ready to solve your property restoration issues quickly and efficiently with as little disruption as possible.

Please don’t hesitate to call Advance Restoration at 866-505-3166 for help with your disaster emergency. One of our representatives are standing by to take your call immediately 24/7.

Stay Home. Stay Safe. Save Lives.

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Flood Damage Warning Metro Detroit

Flooded street lakeshore

The National Weather Service has issued a flood damage warning for Metro Detroit. The Service is reporting an expanded period of heavy rain with the potential for 3 inches or more in some areas. The alert is issued for Friday thru Saturday. Rain, like this, in amounts of 3 inches or more can see very high run-off mainly due to frigid ground conditions.

Roads, rivers and creeks, and other low-lying areas could see widespread flooding according to the forecast. If you live in these flood damage warning zones, you should monitor weather forecasts. In addition, be alert and prepared for possible water damage due to flooding, especially along the lakeshore in St. Clair, Sanilac and Macomb counties.

What To Do in Case of Flood Warning

Everyone understands that tornadoes and hurricanes can destroy life. But when it comes down to it, the most dangerous weather event is definitely a flood. For instance, floods in the past 30 years have led to over $260 billion in damage and caused an average of 86 deaths a year in the United States. That number has escalated to over 100 deaths per year since 2015 alone. Climate change is increasing in heavy precipitation every decade and this trend is likely to continue.

A surprising fact about floods is that most of them (8 of 10) do not occur near the coastline. And, the odds are, you will face one long before any of your coastal friends. For instance, most flash floods occur as a result of heavy rains, storm surges, snow and even overflows from local dams or waterways. Pay attention to local alerts and National Weather Service warnings in your area to avoid life threatening events. In the event of a flood warning move to higher ground or a safer location nearby unless you are being ordered to evacuate.

If you experience flooded basement, roof leaks, or other water damage as a result of heavy rains and flooding Advance Restoration is available 24/7 to respond to your water damage repairs—877-363-7462.