Under most home insurance policies, mold is one of the few things (along with rust, rot, and fungi) that are generally uncovered unless it is the result of something that is covered by the home’s insurance policy, such as flood damage and the water caused by a burst pipe. However, mold that has been caused by leaks, condensation, or flooding (in the case where the homeowner does not have flood insurance) is not covered.
Even though mold has been around for thousands of years and will continue to be for thousands more, the amount of mold claims that have been submitted to insurance companies have increased significantly. Insurers are beginning to insert some language into their policies that is very specific as to what is covered and what is not. Some companies may soon decide to offer to cover damages caused by mold and will raise the price of the policy and others may choose to continue to completely exclude mold from the homeowner’s insurance policy. In order to guard against the failings of your homeowner’s insurance, removing mold and preventing it from returning is essential if you wish to retain the value of your home and your health.
Anyone who owns or rents property should be aware that mold should be cleaned up as soon as it is discovered and that mold cannot grow without a decent access to moisture. Repairing water damage, the cause of excess humidity, and other leaks should be done immediately in order to minimize the amount of mold that will grow in that area of the property. The Center for Disease Control (CDC) recommends that people take measures to safeguard not only their properties, but also their health by making swift work of the mold growing where they live and/or work and taking appropriate measures to make sure it does not return.
Your home should not be completely air tight and a home that is cannot breathe. Homes that air cannot flow freely through are breeding grounds for mold because the air is allowed to become stagnant. You should have vents installed in the bathrooms, laundry room, and kitchen in your home.
Wood and other cellulose-based debris should not be placed in any crawl spaces or against the side of the home because mold eats these and any other organic-based material.
Carpet shouldn’t be installed anywhere in the home where moisture should be a problem such as the bathroom where toilets or bath tubs can overflow or in the laundry room where the washer could leak out into the floor.
Showing posts with label house fire. Show all posts
Showing posts with label house fire. Show all posts
Saturday, January 26, 2008
House Fires And Common Appliances that get hit hard
House fires are often caused by some of the most common appliances imaginable, but this is usually due to the mistakes and clumsiness of the people who are using them. Most appliances are completely safe to use in the home, but it is most often their misuse that causes accidents and fires, since all appliances come with a list of warnings.
The most dangerous appliances, though, in terms of the risk that they post to your safety and the safety of your home are the ones that are designed to emit heat.
Space heaters are very dangerous in the hands of someone who is clumsy or does not follow directions. Perhaps following directions is a little more important here, though. There are a number of things that you should take into account when you are using space heaters to keep your place warm during the winter. Never place space heaters near fabric items or upholstered furniture, if you can help it. If you have to, move these items out of the way and never use common household extension cords with space heaters for any reason. A heavy duty extension cord is the only thing that you can use here and most of us know these by their bright orange color and thick diameter. Small extension cords that you use indoors for small appliances will melt if you try to use them with space heaters.
Another item to be careful with is an electric blanket. Everyone likes to crawl into a toasty bed during the winter, but you should never use an electric blanket to do more than just warm the bed up for you before you get into it. Leaving these on or even plugged up while you are sleeping is a very bad idea, simply because many beds have been caught on fire and houses burned down because of this.
Grease fires are the most common type of house fire, since cooking is something that every household has to do in order to survive. Unfortunately, inexperienced cooks do not know how to handle grease correctly and often make mistakes. You can help prevent these fires by cleaning underneath the burners on your stove as often as necessary, since grease and food particles will build up and catch on fire when you turn the burner on. Keep baking soda around for these small burner fires and a fire extinguisher in case the fire grows in size.
The most dangerous appliances, though, in terms of the risk that they post to your safety and the safety of your home are the ones that are designed to emit heat.
Space heaters are very dangerous in the hands of someone who is clumsy or does not follow directions. Perhaps following directions is a little more important here, though. There are a number of things that you should take into account when you are using space heaters to keep your place warm during the winter. Never place space heaters near fabric items or upholstered furniture, if you can help it. If you have to, move these items out of the way and never use common household extension cords with space heaters for any reason. A heavy duty extension cord is the only thing that you can use here and most of us know these by their bright orange color and thick diameter. Small extension cords that you use indoors for small appliances will melt if you try to use them with space heaters.
Another item to be careful with is an electric blanket. Everyone likes to crawl into a toasty bed during the winter, but you should never use an electric blanket to do more than just warm the bed up for you before you get into it. Leaving these on or even plugged up while you are sleeping is a very bad idea, simply because many beds have been caught on fire and houses burned down because of this.
Grease fires are the most common type of house fire, since cooking is something that every household has to do in order to survive. Unfortunately, inexperienced cooks do not know how to handle grease correctly and often make mistakes. You can help prevent these fires by cleaning underneath the burners on your stove as often as necessary, since grease and food particles will build up and catch on fire when you turn the burner on. Keep baking soda around for these small burner fires and a fire extinguisher in case the fire grows in size.
Cleaning Up A Smoke Damaged Home
If your home has been damaged by fire and smoke, there are a lot of things that you need to do to get your home back to livable condition. These are usually things that you can do yourself, although if you do not have the time, you can hire someone else to do them for you. No matter which one you choose, these are the things that you are going to need done to get your home back to its former condition.
Getting the smell of smoke out of the house is not going to be too easy, so open the windows and doors throughout the house and use fans to get the air circulating.
The smoke damage is going to be easier to take care of in the house than the fire, especially on the walls. Unfortunately, cleaning the soot off the walls is probably not going to be an option, since trying to wipe it off will only smear it. This means that you will have to paint over it. If you have a popcorn ceiling, you will have to strip it in order to be able to paint over it. Most popcorn ceilings make a house look outdated, anyway, so removing this will probably be a good thing, anyway.
Try not to walk on any carpet that has been affected unless you plan on removing it, anyway. If you want to try and clean it, though, you will have to vacuum it with a vacuum that does not have brushes, since they will only work the soot down into the fibers. Steam cleaning the carpet may remove the smoky smell and it may not, so you may end up having to replace the carpet.
Appliances are also going to have to be checked out and cleaned thoroughly before they can be used again. Basically every surface in your house is going to have to be cleaned spotless.
Towels, curtains, bed linens, and all other fabric items in your home will need to be washed and dried. When you dry them, try to dry them outside, if possible, since using an electric dryer to do this can set the smell of smoke further into the fabric and make it harder to get out.
No matter what, you should hold your ground against your insurance company, because if they can convince you that they do not have to pay for something (even though your contract says that they do), they will not pay for it. Make sure you know exactly what your contract covers and you should make sure that you prepare for an event like this by having at least a few months’ worth of salary saved up, since most insurance companies expect you to pay for things and then, they will reimburse you.
Getting the smell of smoke out of the house is not going to be too easy, so open the windows and doors throughout the house and use fans to get the air circulating.
The smoke damage is going to be easier to take care of in the house than the fire, especially on the walls. Unfortunately, cleaning the soot off the walls is probably not going to be an option, since trying to wipe it off will only smear it. This means that you will have to paint over it. If you have a popcorn ceiling, you will have to strip it in order to be able to paint over it. Most popcorn ceilings make a house look outdated, anyway, so removing this will probably be a good thing, anyway.
Try not to walk on any carpet that has been affected unless you plan on removing it, anyway. If you want to try and clean it, though, you will have to vacuum it with a vacuum that does not have brushes, since they will only work the soot down into the fibers. Steam cleaning the carpet may remove the smoky smell and it may not, so you may end up having to replace the carpet.
Appliances are also going to have to be checked out and cleaned thoroughly before they can be used again. Basically every surface in your house is going to have to be cleaned spotless.
Towels, curtains, bed linens, and all other fabric items in your home will need to be washed and dried. When you dry them, try to dry them outside, if possible, since using an electric dryer to do this can set the smell of smoke further into the fabric and make it harder to get out.
No matter what, you should hold your ground against your insurance company, because if they can convince you that they do not have to pay for something (even though your contract says that they do), they will not pay for it. Make sure you know exactly what your contract covers and you should make sure that you prepare for an event like this by having at least a few months’ worth of salary saved up, since most insurance companies expect you to pay for things and then, they will reimburse you.
Are You Ready To Prevent A House Fire?
Preventing your house from catching on fire is probably not as difficult as you think it is, even though there are a large number of house fires all around the world every year. These cause an extensive loss of life and loss of property, but knowing a few simple rules and guidelines can save you from most of the risk of this happening to you. After you read this, make sure the rest of your family knows your house fire safety rules and that you are serious about enforcing them.
The first thing that you need is a fire extinguisher on each level of your home and the knowledge of how to use it correctly. It should be at least 5 pounds and there should be one in the kitchen, since this is the main area of the home where fires start. Know that a fire does not always have to be put out with a fire extinguisher, so if you can put out a small fire on the stove that started under the burner with a handful or two of baking soda, go for it. But, do not hesitate to use your fire extinguisher if you think for a minute it is getting out of hand.
All combustible materials need to be kept away from heat sources like furnaces, water heaters, and space heaters.
Space heaters are a problem all to themselves, since their specific purpose is to put out heat and since you have the option of placing them wherever you want them, their level of risk is increased. Never place these items on carpet if you can help it, especially those space heaters that sit low to the floor with short legs. Do not use these to dry any fabric and never use them with extension cords unless the cord is heavy duty. Small extension cords coupled with appliances that use a lot of electricity, especially to produce heat, will melt.
Flammable chemicals need to be kept outside of the house and away from it in a shed, if possible. If you do not have a shed or storage area to put these in, have a neighbor or a friend who does store them for you.
Cleaning items with turpentine or gas should be done outside. The fumes from these chemicals should not be allowed to build up inside the house, since they are heavier than air and will settle on the floor.
The first thing that you need is a fire extinguisher on each level of your home and the knowledge of how to use it correctly. It should be at least 5 pounds and there should be one in the kitchen, since this is the main area of the home where fires start. Know that a fire does not always have to be put out with a fire extinguisher, so if you can put out a small fire on the stove that started under the burner with a handful or two of baking soda, go for it. But, do not hesitate to use your fire extinguisher if you think for a minute it is getting out of hand.
All combustible materials need to be kept away from heat sources like furnaces, water heaters, and space heaters.
Space heaters are a problem all to themselves, since their specific purpose is to put out heat and since you have the option of placing them wherever you want them, their level of risk is increased. Never place these items on carpet if you can help it, especially those space heaters that sit low to the floor with short legs. Do not use these to dry any fabric and never use them with extension cords unless the cord is heavy duty. Small extension cords coupled with appliances that use a lot of electricity, especially to produce heat, will melt.
Flammable chemicals need to be kept outside of the house and away from it in a shed, if possible. If you do not have a shed or storage area to put these in, have a neighbor or a friend who does store them for you.
Cleaning items with turpentine or gas should be done outside. The fumes from these chemicals should not be allowed to build up inside the house, since they are heavier than air and will settle on the floor.
Subscribe to:
Posts (Atom)
