Posts by Done Right Restoration

24/7 Water and Flood Damage Cleanup | Flood Damage Repair MN

Water Damage Restoration | Flood Damage Restoration MN Just a few inches of water from a flood can cause tens of thousands of dollars in damage. Over the past 10 years, the average flood claim has amounted to over $33,000. Flood insurance is the best way to protect yourself from devastating financial loss. Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers, and the property’s flood risk. Residential Flood Insurance – Water Damages What’s Covered and What’s Not Flood insurance policies cover physical damage to your property and possessions. Basic flood insurance policies cover structures only. If you want to insure your personal belongings against flood damage, you must buy separate coverage. Water Damage- Test Your Water IQ Building Property The insured building and its foundation Electrical and plumbing systems Central air conditioning equipment, furnaces, and water heaters Refrigerators, cooking stoves, and built-in appliances such as dishwashers Permanently installed carpeting over unfinished flooring Permanently installed paneling, wallboard, bookcases, and cabinets Window blinds Detached garages (up to 10 percent of Building Property coverage) Detached buildings (other than garages) require a separate Building Property policy Debris removal Personal Contents Property Personal belongings, such as clothing, furniture, and electronic equipment Curtains Portable and window air conditioners Portable microwave ovens and portable dishwashers Carpets that are not included in building coverage Clothing washers and dryers Food freezers and the food in them Certain valuable items such as original artwork and furs (up to $2,500) What’s Not Covered: Damage caused by moisture, mildew, or mold that could have been avoided by the property owner Currency, precious metals, and valuable papers such as stock certificates Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools Living expenses such as temporary housing Financial losses caused by business interruption or loss of use of insured property Most self-propelled vehicles such as cars, including their parts (see Section IV.5 in your policy) Flood Insurance for Basements and Areas Below the Lowest Elevated Floor Coverage is limited in basements regardless of zone or date of construction. It’s also limited in areas below the lowest elevated floor, depending on the flood zone and date of construction. These areas include: Basements Crawlspaces under an elevated building Enclosed areas beneath buildings elevated on full-story foundation walls that are sometimes referred to as “walkout basements” Enclosed areas under other types of elevated buildings Make sure to ask your agent for additional details on your basement coverage. You can use the following list as a general guide to what is and isn’t covered or simply refer to the Summary of Coverage (PDF 108K) to help you better understand your policy and coverage. The Cost of Flooding Find out what a few inches of flood water can cost in damage. To be covered, the flood must also be a temporary condition, and cover two or more acres or two or more properties The National Flood Insurance Program (NFIP) offers coverage in approximately 20,000 communities in the U.S. You can determine if your property is eligible for flood insurance by checking the NFIP Community Status Book. For Minnesota PDF 49KB Flood and Sewage Damage Flood damage is hazardous to your health and the integrity of your home or business. Treated quickly, you can minimize damage, reduce restoration costs and prevent mold or other contaminants. Time is of the essence when water and sewage damage occurs. In the unfortunate event of water damage to your home, Minnesota...

Read More

Minnesota Flooded Basement? You Need It Done Right!

Water Damage Flood Damage Repair and Restoration One of the worst nightmares a homeowner can have is a flooded basement! Not only is it a horrible inconvenience, it can also significantly lower the value of your property. A professional evaluation is needed to better ascertain the extent of the potential damage that may be lurking in your home or building. Hire a professional Minnesota Water Damage Restoration Company to determine the cause of potential damage and provide a specific remedy for effective removal. Water Damage To Your Home In other situations, a water pipe may burst, and air conditioning leak, moisture intrusion, backed up septic tank or sewer line, or a sump pump may malfunction while you’re away on vacation and do serious water damage to your home and possessions. Water damage can be hazardous to your health if the proper, effective identification (Cat 1-3), professional analysis and remediation are not taken into effect. You Need A Minnesota Water Damage Restoration Professional If there’s water in your basement, and you need it Done Right, you need an expert that is experience in dealing with mold, mildew, fungus and water that might be contaminated. Keep you and your family safe. A Minnesota water damage restoration professional will have the skills to have your basement available to you again in no time at all. If your home or business has sustained ANY type of water damage, you need to have a qualified Minnesota restoration company that does Water and Flood Damage Cleanup. They will have the proper state-of-the-art equipment to clean up any water damage, such as Fans, Dehumidifiers, Air Scrubbers, Ozone Machines, Desiccants that can save most...

Read More

Home Inspection – Disclosing Water Problems When Selling Your House

Buying or Selling A Home? Get An Inspection! The purchase of a home is one of the largest single investments you will ever make. You should know exactly what to expect — both indoors and out — in terms of needed and future repairs and maintenance. A fresh coat of paint could be hiding serious structural problems. Stains on the ceiling may indicate a chronic roof leakage problem or may be simply the result of a single incident. It can also be an indication of water and mold damage from basement flooding. Why Do I Need An Inspection? The inspector interprets these and other clues, and then presents a professional opinion as to the condition of the property so you can avoid unpleasant surprises afterward. Of course, an inspection will also point out the positive aspects of a building, as well as the type of maintenance needed to keep it in good shape. After the inspection, you will have a much clearer understanding of the property you are about to purchase, and be able to make your decision confidently. Truth-in-Housing Evaluations Truth-in-Housing Evaluations, which are also known as Time-of-Sale Evaluations in some cities, are required by city ordinance in a number of communities. Minneapolis, St. Paul, Maplewood, Bloomington, South St Paul and Hopkins all require that an independent evaluator, licensed by the city, perform the evaluation. The report is required to be on display at the house when it is shown for sale. The evaluation of the home is based on each city’s housing code. Most of the cities require that some repairs of hazardous items be made. What Is a “Truth-in-Housing” Report? Some Minnesota cities require a Truth-in-Housing Report that tells you the condition of the home based on the city’s housing code standards. The report is completed by a licensed evaluator. Some cities have limited requirements to meet, so don’t rely on this report alone. Minneapolis Truth-in-Sale Inspection | Home Inspection and Water Damage Most communities that have this ordinance do not require the seller to make repairs. The intent of the report is to provide prospective home buyers with thorough, accurate information to assist them in making a good decision about buying a home. When a Truth-in-Housing Report is required, the seller must provide the report to all prospective buyers at the time of the showing. If you have questions about a Truth-in-Housing Report for a particular home, contact the evaluator or the city in which the home is located. Disclosure Requirements Many states have laws about disclosing problems when selling your house. Usually these states have a standard disclosure form you can get from a real estate broker, your local library, or online. What a seller must disclose to potential buyers varies from state to state. The general rule, though, is you have to disclose any “material” or “serious” defects or problems you know about. That doesn’t mean you have to disclose every single minor problem, such as creaky floors, doors that stick, and minor cracks in the walls. Rather, if a particular problem would have a major impact on a buyer’s decision to buy or not, then you need to disclose it. Some examples of things you may see on a disclosure form include: Flooding in the basement Leaks in the roof Lead paint anywhere in the house. In fact, whether or not your state has a disclosure law, federal law requires you to follow the Lead Disclosure Rule if your home was built before 1978 Whether the home is located in a flood plane As a seller, if you have owned your home...

Read More

Minneapolis Truth-in-Sale Inspection | Home Inspection and Water Damage

What To Disclose When Selling Your Home In the past, the general rule if you were buying a home was caveat emptor – Buyer Beware!  The seller wasn’t obliged to tell you whether the roof leaked or the furnace didn’t work, or even if the house was built on a toxic dump. If you were buying a home, you were supposed to figure all of that out for yourself. But in recent years, the general trend towards consumer protection has included a change in the laws of most states on what needs to be disclosed. Minneapolis Truth-in-Sale Inspection In most states, if you’re selling a home it is illegal to fail to disclose major physical defects in your property, such as a basement that floods in heavy rains. You may need to make written disclosures to indicate what you know about the condition of your home. In some states, seller disclosures are still voluntary, but even then you may want to consider telling the buyer what you know. A major cause of post sale disputes and lawsuits is defects and disclosure, and most disputes can be avoided if proper disclosures are made. This is an area of the law that changes rapidly, differs widely from state to state, and may be affected by local ordinances, so look for up-to-date information on the law that applies to you. How does the seller make disclosure? It depends. In many states, compliance with disclosure obligations is made easy through the use of seller disclosure forms. These forms consist of a long list of questions, for example whether there has been fire, wind or flood damage that required repair; if the property is in an earthquake fault zone; even whether a death has occurred on the property within the last three years. The seller must answer each question “yes,” “no,” or “don’t know.” It’s perfectly acceptable for a seller to answer a question “don’t know” – the purpose of the disclosure is to make the seller tell the buyer what the seller knows about the property, not to initiate a research project. The seller disclosure forms are usually then attached to the sale contract. Even in those states that do not require written disclosures, some real estate companies require prospective sellers to complete a disclosure form before listing the property. Other states may only require oral disclosures. If you’re buying a home, it is prudent to record any disclosures the seller makes, and even ask whether the seller is willing to make disclosures in writing. What does the seller need to disclose? In most states where disclosures are mandatory, sellers are required to disclose material facts about the property for sale – that is, anything that could affect the sale price or influence a buyer’s decision to purchase a home. This is obviously a pretty subjective requirement — a fact that is materials to one buyer may not concern another. Remember, generally you only need to disclose information within your personal knowledge. If you’re wondering whether something should be disclosed, consult a real estate agent or your property attorney. Ask yourself if you’d want to have the information if you were the buyer. If the answer is yes, then disclose. It could save you a lot of trouble down the line. There are some defects that should always be disclosed: Plumbing and sewage issues Water leakage of any type, including flooding in the basement and wet basement problems Termites or other insect infestations Roof defects Heating or air conditioning system issues Moisture and Property drainage problems Foundation instabilities or cracks Problems with title...

Read More

Flood Damage Cleanup – Should You Hire a Professional?

Restoring Your Home After A Flood Whether you experience three inches or three feet of water in your home from flooding, flooded basement, heavy melting ice, or maybe a burst pipe, the event is always devastating. First, you’re struck with panic over what to do and where to start. Then you’re consumed by disappointment at the sight of your damaged belongings. Next, assuming the flooding is instantly manageable and action can be taken, you snap into repair mode just to get things under control. Knowing you are in for grueling times, but fueled by pure adrenaline, you run around, shutting off water, electricity and gas feeds, filling buckets and hoisting them to a dry spot for disposal; vacuuming up water by the gallon, pumping out water with a sump and hose. Once the floor is in sight, if the flooding was minimal, you grab paper towels, washcloths, hand towels, bath towels, bed sheets, rags and anything else in your home to soak up as much of the remaining water that you can. Once you’re down to damp floor, it’s back to the indoor/outdoor vacuum, and then blasting every fan you own or could buy at the hardware store at high speed. You do this for hours and hours, hoping to draw out moisture and dry the area. And don’t forget you’ll need to run a dehumidifier for weeks until the last ounce of moisture dries up. And this is a best-case scenario. Pumps, vacuums and towels can only do so much. If the water is deep and standing for even a short time, home-made methods will do very little to resolve long-term issues because flooding brings many inherent dangers. After the water recedes, you may be left with shovels full of mud in your home — and that mud contains most of the germ-born health hazards associated with flooding. But that’s not the only danger: Attempting flood restoration on your own can also put you at risk for electrocution and structural hazards. Other risks come from outside. If you also have floodwater around the outside of your home this could cause other dangers. Although your natural instinct is to rush to pump water out of your home, you should delay this if you have standing water around the outside. The water outside creates a force against your home, and by removing the water inside your home, you also remove the equalizing pressure, which may put your home at greater risk for structural damage. Restoring Your Home After A Flood – Should You Hire a Professional? Restoring your home after a flood is a complicated process. Depending on the severity of the flood, you may have to deal with structural damage, electrical damage, and potential health hazards. Before you begin a DIY flood cleanup, ask yourself these questions: Do you have the expertise? Flood cleanup involves more than just pumping out the water and letting things dry out. During the cleanup process, you will need to manage the weakened structure of your home, mitigate health hazards from bacteria and mold, and decide what can be saved and what must be thrown away. Only then can you begin the flood repair work to make your home livable again. Do you want to do the work? Flood cleanup is dirty, often dangerous work. After the crisis of a flood is over, do you want to face the job of cleaning dirty water and mud out of your home, sorting through your belongings and deciding what can be saved? The emotional impact of flood cleanup can be significant, and can interfere with other...

Read More
Page 10 of 21« First...89101112...20...Last »