Posts by Done Right Restoration

Water Damage Mold In Your Minnesota Home Part 1

 Water Damage Mold Chlorine Bleach is Not Effective in Killing Mold According to the EPA – “Biocides (like chlorine bleach) are toxic to humans as well as mold! (1) The object to killing mold is to kill mold at its “roots”.  Mold remediation involves the need to disinfect wood and wood-based building materials, all of which are porous materials. Thus, chlorine bleach should not be used in mold remediation as confirmed by OSHA’s Mold Remediation/ Clean Up Methods guidelines. The use of bleach as a mold disinfectant is best left to kitchen and bathroom countertops, tubs and shower glass, etc. (2) Chlorine Bleach does kill bacteria and kill viruses, but has not been proven effective in killing molds on non-porous surfaces.  Bleach itself is 99% water.  Water is one of the main contributors of the growth of harmful bacteria and mold.  Current situations using bleach re-grew and regenerated mold and bacteria twice the CFU counts than were originally found before bleaching, within a short period of time. Bleach is an old method used for some bacteria and mold. It is the only product people have known for years. The strains now associated within Indoor Air quality issues are resistant to the methods our grandmothers employed to clean-up mold. (3) What potential mold ‘killing’ power chlorine bleach might have, is diminished significantly as the bleach sits in warehouses, on grocery store shelves or inside your home or business 50% loss in killing power in just the first 90 days inside a never opened jug or container. Chlorine constantly escapes through the plastic walls of its containers. (4) The ionic structure of bleach prevents Chlorine from penetrating into porous materials such as drywall and wood—it just stays on the outside surface, whereas mold has enzyme roots growing inside the porous construction materials—however, the water content penetrates and actually FEEDS the mold—this is why a few days later you will notice darker, more concentrated mold growing (faster) on the bleached area. (5) Chlorine Bleach accelerates the deterioration of materials and wears down the fibers of porous materials. (6) Chlorine Bleach is NOT registered with the EPA as a disinfectant to kill mold. You can verify this important fact for yourself when you are unable to find an EPA registration number for killing mold on the label of any brand of chlorine bleach. (7) Chlorine bleach off gases for a period of time. Chlorine off gassing can be harmful to humans and animals. It has been known to cause pulmonary embolisms in low resistant, and susceptible people. (8) Chlorine bleach will evaporate within a short period of time. If the area is not dry when the bleach evaporates, or moisture is still in the contaminated area (humidity, outside air dampness), you could re- start the contamination process immediately and to a greater degree. (9) Chlorine is a key component of DIOXIN.  One of the earliest findings of dioxin’s toxicity in animals was that it caused birth defects in mice at very low levels. This finding led to dioxin being characterized as “one of the most potent teratogenic environmental agents”. The first evidence that dioxin causes cancer came from several animal studies completed in the late 1970’s. The most important of these, published in 1978 by a team of scientists from Dow Chemical Company, led by Richard Kociba, found liver cancer in rats exposed to very low levels of dioxin. This study helped establish dioxin as one of the most potent animal carcinogens ever tested and, together with the finding of birth defects in mice, led to the general statement that dioxin is the “most toxic...

Read More

Water Damage – Will Your Home Insurance Policy Pay For Water Damage? Part 2

Is Your Home Insured Against Water Damage? Will My Insurance Cover It? Yes. No. Maybe. The single most confusing element related to water damage is what is and is not covered. Find out what you have, or don’t have, and learn what you need when it comes to water damage and your insurance. Continued from MN Water Damage – Will Your Home Insurance Policy Pay For Water Damage? Part 1  We will try to clarify some of these points in this blog. Common Water Damage Insurance Scenarios Here are some common causes of water damage. Find out if you are covered by your insurance policy if you face any one of these common scenarios. Scenario 1: If your water pipes froze due to the cold weather and burst, flooding your home with tap water. In this scenario, most homeowners insurance plans will cover you on a conditional basis. If the house was unoccupied when the incident happened and the pipes burst because you forgot to turn on the heat before leaving, some policies may not cover the damage. This is because the incident may have been easily prevented had it not been for your negligence. Scenario 2: Your washing machine or dishwasher overflows and floods your basement, laundry room, or kitchen. In this scenario, the decision depends on the reason what caused the water appliance involved to malfunction. If the damage was accidental or was due to some defect in the appliance, your policy may cover the water damage repair, but not the repair for your appliance. However, if the problem was caused by your lack of maintenance, your policy may not cover it. Scenario 3: Your sewage system backed up and flooded your basement. Basic home insurance policies do not cover basement floods caused by sewage water damage. Most companies frown upon sewer backups because the water involved is black water or is highly contaminated. In fact, several policies specifically list sewer backups under its exclusions. Thus, if you want to be protected from this, you will have to pay extra for special 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. Scenario 4: Water seeps through your basement foundation and damages your home’s foundation and basement interior. Water seepage problems are not covered by homeowners insurance plans. This is because seepage only occurs if you failed to have foundation waterproofing installed before you had your house constructed. It is not considered as sudden and accidental. Scenario 5: Heavy raining caused a nearby river to overflow and the flood enters your living room. It also damages some of your furniture. This scenario is considered as flood water damage, and is excluded from regular home insurance policies. If you want coverage for flood damage, you have to purchase an additional flood insurance rider. You also have the option to avail of federally provided flood insurance plans, which are offered by the National Flood Insurance Programs to communities participating in its floodplain management project. You can determine if your property is eligible for flood insurance by checking the NFIP Community Status Book. For Minnesota PDF 49KB Scenario 6: Fire water damage Another water damage cause that almost all homeowners insurance companies frown upon is fire water damage. Such damage is excluded due to the high level of loss they often entail. Like with flood damage, fire damage will only be covered if you purchased of an additional fire insurance rider on top of your...

Read More

MN Water Damage – Will Your Home Insurance Policy Pay For Water Damage? Part 1

Water Damage | Water Damage Insurance Water damage cleanup, repair and restoration can be a costly operation, and surely you’d want to receive financial help from your home insurance policy. In fact, water damage is one of the top reasons why most home insurance plan holders make claims. Unfortunately, home insurance tends to be tricky when it comes to water damage, which is why many people have had negative experiences when claiming insurance benefits for their water damaged house. The biggest challenge in making a water damage insurance claim lies in determining whether your water damage problem is covered by your policy. But even if you are uncertain about whether your insurance plan will cover your water damage expenses, it is still best to report any water damage incident to your provider. Water Damage Insurance Reporting Even in the panic of finding your home flooded, don’t forget to call up your insurance company to report the damage. Ask them about the step by step process they require in making a claim, and you may also ask for some recommendations on which water damage companies you can trust. You are not obliged to heed their advice, but there’s no harm in including the recommended companies in your comparisons when you ask for quotes. If you have had any kind of water intrusion, a proper inspection by a Certified (IICRC) Water Damage Restoration Professional can help detect water intrusion issues early, saving thousands of dollars in repairs costs. After receiving your report, your insurance company will most likely send an agent out to evaluate and document the loss, but in the meantime, before you or your water damage restoration service start the cleanup, take pictures of your water damaged home. After extracting the water, you should also take pictures of your water damaged floors. Take individual photos of everything that get damaged, including water damaged ceilings and walls, furniture, and even small loose items. These photos will come in handy when you make a claim; some homeowners have even taken videos. While taking pictures, write down these damaged items in a list. The goal is to give your insurance company a clear idea of the full extent of the damage. Other documents that can help make your claim stronger include cost estimates, a complete water damage report, and receipts of repairs, restoration, and even sanitizing services you used. If your insurance agent and water damage repair company comes up with a different cost estimates, they will have to agree on a single amount, usually halfway between their estimates. Just make sure nothing is compromised in terms of the complete repair and restoration your home will need. Homeowners Insurance on Water Damage – What’s Covered and What’s Not Since policies cover different types of losses, insurance companies have different standards, and water damage is caused by many reasons, not all water damage incidents are automatically covered. Water damage incidents that are covered are those that occur due to material defects such as dishwasher malfunctions or burst pipes, and those that are accidental in nature. However, insurance companies will not pay for damage caused by neglect, carelessness, or poor maintenance. There are exceptions, though. There are sudden and unexpected reasons that are beyond your control that insurance agencies nevertheless exclude from their basic coverage. These include water damage caused by natural disasters such as heavy rainfall or river overflows; such damage is considered to be flood damage, which is a common exclusion. Usually, home insurance policies offer separate coverage packages for the water damage incidents their basic plans do not cover. This way, homeowners...

Read More

Basement Water Damage MN | Minnesota Flooded Basement

Basement Water Damage Can Cost You More Than You Think It always happens suddenly, and without warning … Toilets overflowing, household appliances malfunctioning, water pipes breaking, leaking roofs or windows … And now you have to make a decision: “Do I submit a claim to my insurance company? If it’s not a covered loss, do I try to clean it up myself?” Here are some important things to keep in mind: Water in the Basement Can Cost You The Sale of Your Home DON’T WAIT! The longer the affected areas are wet, the greater the amount of damage. Water doesn’t just sit there … it spreads. If carpeting is involved, it doesn’t take long for it to seep into the pad, the subflooring, then up the walls or paneling. Once those are damp, the potential for mold and mildew growth is just hours away. DON’T EXPECT IT TO “Air-Dry!” One of the most common problems encountered comes from the homeowners decision to “see if it’ll just dry out by itself.” Because of the potential health hazards, that means you have to discard the carpet and pad, and replace with new – An expensive proposition that could have been avoided! Even if it’s a “covered loss,” your insurance may deny your claim because you waited too long! Water in the Basement Can Cost You The Sale of Your Home THINKING ABOUT SELLING YOUR HOME IN THE FUTURE?  Then keep in mind that you have to disclose information on past water damage, and you will have to prove it was properly remediated. If mold is present in the home, the potential buyer may not be able to obtain insurance! You may not even be able to sell your home!  Therefore, don’t take any chances! Call a Minnesota Water Damage Restoration Expert right away! The key is getting it dry as fast as possible! Preventing Water Damage In Your Home Unexpected water in your basement can damage walls and floors, destroy carpeting, ruin furniture and lead – pretty quickly – to mold. And perhaps the most upsetting of all: As basements are so often used for storage, water downstairs can ruin irreplaceable items like photo albums, antiques, and family heirlooms. The first signs of water damage might seem trivial: a drip here, a drop there – nothing that can’t be dried with a towel. But warnings like water stains on the ceilings or a leak under the kitchen sink can lead to real problems like a weakened roof or rotten floorboards. Burst pipes can damage your furniture and other personal possessions, and flooding can very quickly lead to problems with mold. Why take a chance? Learn where your home is most likely to suffer water damage, and what you can do to help prevent...

Read More

Water Damage Cleanup Repair and Restoration MN

Minnesota Water Damage Repair and Restoration Sometimes water damage is caused by an incident – a water pipe breaks, bad weather causes exposure or ice dams leave you with roof damage. Other times water damage develops over time – and that can be more difficult to diagnose. Water damage comes in a variety of ways and quantities, from simple seepage through cracks in the floor or foundation, leaky water heaters, and overflowing toilets or sinks to broken pipes, backed up sewers or septic systems, and outright floods from lakes and rivers. Signs That Your House Has Water Damage No matter what the source or cause, unwanted water can do enormous damage to your belongings and property. Here are some typical signs that you have or soon will have troubles: Leaky windows: often a sign of incorrect window installation Discoloration on ceiling or walls: often a sign of leaky roof, possibly due to ice dams in the winter Rotting wood on roof: can be caused by poor water drainage away from the roof when kick out flashing allows water to rot out the wood beneath Apparent water seepage on the exterior of the house: can be caused by below grade materials, which allows water to wick up a wall from the ground up Remediation Water Damage Restoration Assessment The first step to water damage restoration is to fix the problem; the second step is to reconstruct your room or house so that it looks and feels better than new. A Water Damage Restoration Expert will go into your house to assess the damage and create a plan for cleaning up the mess and correcting any causes of problems. A water damage restoration company takes an assessment of your home to determine the extent of the water damage to your home. This assessment includes both internal and external aspects of your home, from the most obvious damages to the most inconspicuous ones. The assessment a water damage restoration company takes is very important, as it helps them develop an accurate cost estimate for the cleanup, repair, and restoration costs to return your home to its former state. To ensure you obtain the best estimate possible, it can be helpful to understand some of the things included in a water damage assessment. One of the main aspects of a water damage assessment includes a checklist for any structural damage your home has endured. A water damage restoration company looks for the following things when assessing your home’s structure: Roof—collapsed parts of your roof, missing or ruined shingles, bent or damaged gutters, cracks or damaged chimneys, or stained or cracked surfaces on your home’s exterior Exterior walls and windows—collapsed walls, broken or damaged windows, wet exterior walls in your home, and signs of water leaking through windows in your basement Front and back yard—flooded parts and ruined plants Attic—wet or cracked ceilings, walls, and floors, wet insulation on walls and floors, and wet or ruined ducts and vents Rooms—wet or cracked ceilings, walls, and floors, destroyed electric jacks and phone jacks, damaged or warped wood, and broken or cracked windows and doors Bathrooms—damage to bathtubs, stains on sinks and countertops, and leaky or slumping areas on the ground around your toilet Basement (if applicable)—wet or cracked foundation, walls, and floors and discolored or ruined vents or air ducts In addition to determining how badly damaged your home’s structure is, a water damage restoration company assesses your personal belongings to decide which ones require repair or replacement. A water damage restoration company conducts a thorough assessment of everything in your home to determine the...

Read More