Recent Storm Damage Posts
How To Start a Flood Damage Claim
How to start a flood damage claim
Steps To Begin a Flood Claim Process
Once you've dealt with a flood in Gladstone, MO, you may be wondering how to start an insurance claim. Dealing with damage to your home can already seem overwhelming. Here are the steps to begin the flood claim process and get things moving:
Call Your Insurance Company
The first thing you should do is call your insurance company to start the claim procedure. If there are other people in the area who have also experienced damage, the insurer may have a lot of other claims to process. Calling early can help you prepare for dealing with flood cleanup and restoration.
Get Ready for Inspection
Once you have an appointment, you'll need to get ready for the insurance adjuster to examine the property destruction. Although you may want to start flood cleanup early, it's crucial to keep these factors in mind:
- Take pictures of everything that was damaged.
- Don't throw anything away until you have documented the damage.
- Along with pictures and a video, make a list of what was affected for your own reference.
Taking care to document everything can help you avoid further problems later. Photos, videos, and notes help make sure everything is noted in the flood claim.
Know Your Adjuster's Role
Your adjuster can help with the insurance claim. While you'll need to point out the areas and items affected, you can also use this time to ask questions. Check what your policy covers and how soon you can expect payment from the company.
Rebuild Your Life
After you've received payment, you can begin rebuilding any areas of the home or rooms that were damaged. This includes replacing personal possessions that were lost or ruined by the flood.
Although dealing with a flood claim can seem overwhelming, knowing the steps that will occur can make it easier. Contacting your insurance carrier and getting ready for inspection start the process and help ensure coverage of what you've lost. Talking with the insurance adjuster can begin the next steps toward rebuilding your life after a flood. Just know there is a restoration company that is Here to Help.
Do You Need Flood Insurance?
As a business owner in Kansas City, MO, you may wonder whether you need flood coverage
3 Things To Know About Flood Insurance
As a business owner in Kansas City, MO, you may wonder whether you need flood coverage. Would your standard policy be enough to pay for damage? Commercial insurance agents should review your plan and discuss what is and isn't included. After all, your company is valuable, and you want to safeguard it. Since flooding is usually excluded, it often requires an additional protection. If you're exploring new policies, here are three things to know about flood insurance.
1. When Is It Needed?
While standard property insurance handles water damage from leaky pipes and other household issues, it does not pay for all conditions. For example, the following events usually require a flood policy:
- Water overflow from a lake, river or ocean
- Flash floods
- Intruding water from a land collapse
- Sudden mudslides
These situations can create a large financial burden, forcing owners to make significant repairs and call in water restoration teams to handle clean up and repairs.
2. What Does Building Property Cover?
Commercial insurance offers a building property policy that offers up to $500,000 to fix or replace your company's permanent structural features. After assessment, the agency would determine the cost to repair your business's water-logged areas. First, you would pay the deductible amount. Then, your agent would approve cash value replacement for your rebuild needs. This includes foundation or construction issues, carpet attached (when attached to bare foundation), walk-in freezers, fire systems, water heaters and air conditioner issues.
3. How Is a Personal Property Policy Helpful?
Purchasing NFIP's personal property plan through FEMA provides up to an additional $500,000 to replace items such as furniture, stock, food, and plug-in appliances. Submit an inventory of ruined items, including approximate cost to replace each one. Again, you'll need to pay a deductible first, before the check is sent.
Flooding may not seem likely, but it happens; therefore, take time to look over your coverage needs, considering both building and personal property policies. Then, set up a meeting to review the details. Commercial insurance agents, by finding the right plan, can help proprietors afford to rebuild, getting their property looking “Like it never even happened.”
What You Need to Know About Black Water
Liberty house surrounded by flooding waters
What You Need to Know About Black Water
While you may think that all water damage is the same, this is not necessarily true. The source of the water that has affected your Liberty, MO, home can make a big difference in the way you should handle it. Particularly if you have black water in your house, you will need to be careful. The following information can be helpful in this situation.
1. What Is Category 3 Water?
There are three categories of water, ranging from 1 to 3. The highest category is black water and is considered to be highly contaminated. When this water enters your home, it can carry with it bacteria, fungi, harsh chemicals and sewage. It may also bring dirt, mud and debris.
2. What Can Cause This Kind of Damage?
Highly contaminated water can come from multiple sources. A common cause is flooding. This is because rain mixes with sewer water that carries human waste and other contaminants. If you have an overflow in your toilet or other plumbing fixtures, this can sometimes be category 3 water as well, along with category 2 water that is not cleaned quickly.
3. What Should You Do About It?
If you have black water in your home, you should avoid contact with it. Wear protective gear if you plan to clean the area. Any food that has been touched by the water should be thrown out as it is no longer safe to eat. There can be exceptions for canned foods, as long as the package does not have any dents or damage. If you are unsure, toss it.
Because this water has such high levels of contamination, it is best to have a professional to perform flood or sewage cleanup. A cleanup and restoration company has the training and equipment to get the job done safely. They can make any necessary repairs to both your home and belongings.
5 Ways Cities Prevent Flooding
Some cities utilize dams for flood prevention
Keeping Your Commercial Property Safe From Flooding
When it comes to keeping your commercial property safe from flooding, you're not alone. Here are five ways that cities and towns such as Kansas City, MO, prepare for high water.
1. Dams and Reservoirs
Some cities utilize dams and reservoirs for flood prevention. Dams are used to stop the flow of water, while reservoirs are built to hold excess water during the rainy season or excessive snow melting. The dam may also feature flood-control reservation, which prevents the water in the connected reservoir from rising above a certain limit, thereby guaranteeing space for future water.
2. River Resistance
There are a variety of ways a town may fight a rising river. These include both permanent barriers such as levees, weirs, and bunds, as well as temporary blockades, such as sandbags and inflatable tubing.
The ground can act as a natural reservoir. By diverting water into floodplains that are ready and able to hold large amounts of water, cities not only can stop flooding but also refill the groundwater supply and soak thirsty crops that are capable of handling large amounts of water, such as grapes and oranges.
4. Flood Control Channels
In some cases, special channels are constructed to divert high water and protect cities. Floodwaters are rerouted to holding areas, ponds, or floodplains.
5. Coastal Cover
Storm surges, tsunamis, and other events can cause sea water to rise and flood inland, particularly in low-lying areas. When this happens, cities turn to both man-made and natural barriers for flood prevention. Sea walls and tide gates, for example, are structures manufactured to stem the rising water. Natural obstacles, such as barrier islands, sand dunes, salt marshes, and gravel bars can also cause incoming water to slow down or stop altogether.
Flooding happens. The good news is that Kansas City, MO, is working to prevent high water from impacting your commercial property and requiring the expertise and equipment of a professional flood damage mitigation service.
Common Causes of Damage to Solar Panels
Check your home's solar panel in the aftermath of a storm
Solar Panel Damage
After a storm hits your area in Liberty, MO, there are many different sources of damage to look out for. You should be sure to check your home’s solar panels in the aftermath of a storm to see if they have been harmed in any way. Panels can accumulate various types of damage depending on what the trigger was. Here are some of the most common causes of solar panel damage.
Debris that lands on your home’s panels can cause damage that builds up over time. Some of the types of debris that may affect your solar paneling include:
- Tree limbs
Even minor scratches left by these objects can prevent direct sunlight from shining through the panels. As a result, the total amount of solar energy that is absorbed decreases significantly. Be sure to maintain any trees on your property and clean your panels regularly to avoid damage caused by debris.
Destroyed panels can also be a direct result of water damage. Water typically causes harm when the sealant gets old and worn, allowing more water to leak through. Panel damage caused by excess water can eventually cause the panels to deteriorate and function less effectively. It’s important to reseal and maintain your panels to prevent water from ruining them.
Various Types of Storms
Whether your home is attacked by a thunderstorm or hailstorm, solar panels can be negatively affected by any kind of severe weather event. Weather is highly unpredictable, and your panels cannot be protected from every possible source of harm. However, in the event of storm damage to your home, it’s crucial to call a professional immediately. Unaddressed problems can also lead to roof damage and affect your entire house.
Panel damage is only a fraction of the whole picture. If any area of your home has been destroyed by a storm, emergency restoration services can bring your living space back to life.
What You Should Know About Flooding and Black Water
Category 3 water damage comes from sewage, streams and other sources
Flood water can cause catastrophic damage to your business in Kansas City, MO. Learning about flooding can make it easier for business owners and managers to know what to expect if their businesses are impacted.
What Are the Types of Water Damage?
With storm damage often comes water damage. There are various types of damage that commonly occur, including:
- Clear water, or Category 1 water damage, which comes from faucets and is considered to be relatively safe.
- Gray water, or Category 2 water damage, which can be potentially hazardous and comes from sump pumps, dishwashers and other sources.
- Black water, or Category 3 water damage, which comes from sewage, streams and other sources and is hazardous.
Can Category 3 Water Damage Be Prevented?
Regular maintenance and inspections can sometimes help to prevent Category 1, 2 or 3 water damage. However, it may not always be possible to prevent the damage, particularly if the flood water is coming from streams or other external sources. You may be able to avert some damage if you prepare your property before a storm or flood occurs by using sealants to cover cracks and by clearing limbs and other debris from around the area.
How Is Category 3 Water Damage Removed?
Since Category 3 water damage can be hazardous, it can be prudent to employ an emergency cleanup and restoration company to remove the water. Professionals will often wear specialized gear to ensure that they are protected from any hazards in the liquid as the removal process begins. After drying out the area, experts can then sanitize and clean the zone that has been affected. Restoration may be necessary once the water is removed.
Though flood water can devastate a business, learning about black watert5 may make you feel more prepared to manage the effects of a flood. It can be useful to know the various types of water damage that can occur, whether the damage can be prevented and how Category 3 water is removed.
3 Things To Remember During Roof Repair
Roof damage after a storm in Liberty, MO
Three Important Things to Remember During Roof Repair
During storm season in Liberty, MO, your home may fall victim to some fierce elements. Heavy rains, wind and hail can all wreak havoc on your roof, siding and windows. After you call your insurance company, the work of repairing the roof damage and other problems begins. Here are three important things to remember during this process.
1. Not All Damage Is Visible
You may take it upon yourself to climb on top of the roof and survey what the storm has done. Just because you can’t see anything, however, doesn’t mean it doesn’t need repair. Wind damage occurs when branches and other debris are flung at your home. This can cause your shingles to break or become loose, and you may not know it’s happened until you see evidence of leakage in your attic. An inspection by flood damage experts can reveal these issues before they cause more problems.
2. Damage Does Not Automatically Mean Replacement
Most storms usually cause some roof damage, but not all of it is severe enough to warrant having to replace the entire roof. Unless the problem is severe enough to have torn up several parts of the roof, including the protective layer underneath the shingles, technicians will probably repair only the parts that need it.
3. Protection Prevents Further Damage
While the specialists are working on your roof, make sure they are protecting all the vulnerable areas when they take a break or leave for the day. Holes should be boarded up until they are repaired. If there are multiple areas of damage, a tarp should be used to cover the whole roof and protect your home from additional rain or debris.
Roof damage is common after a storm. Mitigation experts can help you identify the extent of the damage, advise you on the repairs needed and prevent further damage from happening during the process.
What You Should Know About Secondary Damage
Water damage in walls and wooden floor as a result of water absorption
Water damage that affects your home in Kansas City, MO, can unfortunately cause additional issues such as black mold and other problems following the primary damage. It’s often useful to understand what problems often follow primary damage in order to prevent more destruction from occurring.
How Quickly Does It Occur?
After primary damage occurs in a home, secondary problems can occur in a short amount of time. In general, there are various factors that can affect how quickly secondary problems will occur. However, in many instances, the following can occur after the initial water damage:
- Mold can grow as soon as 24-48 hours
- Water from a clean source can become contaminated within days
- Structural issues can begin within hours
There are a wide variety of issues that can take place after a home is impacted by flooding. Common problems that occur as the result of the primary damage often include:
- Black mold growing in areas that are damp
- Wooden floors beginning to warp after they have absorbed water
- Structural damage in walls as a result of water absorption and high humidity levels
Can This Type of Destruction Be Prevented?
Although it’s not always possible to prevent flooding, there are often steps you can take to prevent additional issues. Turning off the water in your home and keeping your home as dry as possible can decrease the likelihood of more problems occurring. Maintaining the wellbeing of the appliances in and around your home and fixing small problems can sometimes prevent flooding altogether. After your home has been affected by flooding, it can also be wise to contact water damage restoration professionals who can assist in mitigation efforts.
Secondary damage such as black mold doesn’t have to be inevitable after a disaster. After your home is affected by flooding, it’s often useful to know when issues secondary to the initial flooding can occur, common examples of additional complications and how to prevent further devastation.
5 Essential First Aid Supplies
Essential items a first aid kit should have
5 Essential First Aid Supplies
A first aid kit should include a variety of medical supplies. Here are five essential items for treating minor injuries on site or protecting more severe injuries until an ambulance arrives at a commercial building in Gladstone, MO.
Several types of bandages can be helpful for protecting injuries. Adhesive bandages are suitable for minor cuts or scrapes. Include several sizes, butterfly closures, and waterproof versions. Roller bandages are useful for dressing larger wounds. Secure this type of bandage with medical tape or metal closures.
2. Elastic Wraps
Quickly stabilize a sprain or minor to moderate musculoskeletal injuries with an elastic wrap. Avoid wrapping this material too tightly, as it may restrict circulation. A first aid kit for a commercial building should contain several wraps.
3. Gauze Pads
Some injuries are too sensitive for bandages. Use gauze pads to lightly cover minor to moderate burns. This material can also be used to shield more severe burns or other types of injuries until help arrives. It is ideal to have several pad sizes on hand.
A building owner or manager might not think of scissors when assembling an emergency kit, but this tool can be crucial when dressing wounds. Sharp scissors make it easy to precisely trim a bandage, gauze pad or wrap.
A splint is an essential short-term solution for broken bones or fractures. Try to include various sizes of splints in a kit.
A complete first aid kit should also include other supplies such as antibacterial ointment, blankets, gloves, tweezers, and resuscitation equipment. The five items listed above will enable building occupants to provide basic first aid in an emergency situation. Contact medical help for more severe injuries. Building owners should rely on a commercial mitigation and restoration company to clean and repair a damaged structure after a storm or disaster in Gladstone, MO.
3 Facts To Know About Water Damage and Flood Recovery
Storm damage in a Kansas City,MO home
When flooding affects your Kansas City, MO, home, it can be difficult to know where to begin when it comes to cleanup efforts. Whether the flood was caused by a pipe burst in your cellar or bathroom or from an overflow of a nearby creek during a rainstorm, it can ruin your home’s building materials and your belongings. Before you attempt to recover from water damage, there are a few facts you can keep in mind that may make the process less stressful.
1. Not All Flood Damage Is the Same
The amount of damage your home suffers from a flood can depend on many factors. For example, basement flooding caused by a leaking or ruptured water line may be less invasive than water that enters your home forcefully during storm flooding. The condition of the water can also play a part, as water from outdoor flooding is typically a category three, or black water situation, where water that comes from a kitchen pipe burst or water line is usually much more sanitary and therefore simpler to clean up.
2. Building Material Damage Is Not Always Apparent
After a flood there will likely be problems that are instantly visible, such as standing water that can occur during heavy flooding. However, there might also be water damage that you cannot see, especially if water levels reached more than a few inches. Drywall and interior insulation can be badly affected and may even grow mold if left untreated. Calling in a flood damage and restoration company to inspect these areas can help prevent costly issues later on.
3. Restoration Is Possible for Many Items
It is important not to discard items until they are inspected by your flood damage professionals. For example, if a pipe in your basement has burst and you had items stored there, such as furniture, photographs and important documents, they may be restored if salvaged properly.
Flooding can happen at any time, whether a pipe burst or seasonal storms are to blame. However, knowing what to expect and how to handle restoration can help you return your Kansas City, MO, home back to normal.
What To Do If Your Flight is Canceled Due to Weather
Always be prepared for anything!
Travel delays can range from a minor inconvenience to a major issue depending on your circumstances and level of preparation. If adverse weather results in a canceled flight,
Use these storm tips to reschedule your trip.
Find Your Flight Information
You will need to be able to inform your airline about the details of your itinerary to reschedule flights and determine your options for compensation. Find your flight numbers and keep them on hand when contacting your airline. An airline agent is likely to ask you for your
- Full name
- Flight numbers
- Airports for connecting flights
Having this information ready can save time when rescheduling your trip.
Skip the Line and Call the Airline
If you are stranded at an airport, other passengers on your canceled flight may form a line at the gate counter. It is almost always easier and faster to call the airline from your cell phone or another phone in the airport. Be sure to have your tickets or boarding passes ready to provide any information the agent may need. Depending on whether the storm is in your current location, the airport may also experience power or data outages or other difficulties.
Check the Cancelation Policy
Many airlines compensate passengers for cancelations due to adverse weather. The company may reimburse you, offer rescheduling services at no additional charge, or provide a meal or hotel room, depending on how long your travel plans are delayed due to weather.
If you are dealing with a canceled flight in Kansas City, Kansas or any other location, these storm tips can help you resolve the situation. Travelers should also make sure they have the contact information for ticketing services on the airline they are flying. If a storm is expected to affect your home, you may also want to look up the number for a residential storm damage restoration service.
4 Things You Need to Know About the National Flood Insurance Program
Not all commercial insurance policies are the same.
As a commercial property owner in Kansas City, MO, you may protect your investment with a commercial insurance policy. The National Flood Insurance Program through the federal Emergency Management Agency may provide you with some coverage. Your commercial storm damage remediation professional may be able to help you learn more about the NFIP.
1. It covers building property damage. This type of flood policy is designed to help you pay for the structural damages done to your building. This means the general policy does not cover the personal belongings within the building. Instead, it helps cover damages done to the foundation, plumbing, awnings, HVAC systems and other permanent fixtures of the property.
2. It won't help pay for damages that could have been avoided. Like other commercial insurance policies dedicated to flooding, this one won't pay for any water issues that you neglected to fix. For example, if a leaking pipe caused major flooding on your property, the damages may not be covered if you knew about the leak beforehand but chose not to fix it.
3. The value of damages is based on actual cash value. When an assessor comes out to your property, he or she will consider how much it will cost to replace the items that were destroyed in the flooding. That cost minus the physical depreciation of the item will equal how much you could get.
4. It can save you from the sole financial burden. While this policy through FEMA may not cover all issues caused by a storm, it can help you with the financial aspect of the repairs. Having any type of flood policy can make you feel more secure when a bad storm rolls through the area.
Not all commercial insurance policies are the same. If you want to understand the coverage you have for your commercial property, you need to contact your insurance provider. For more information, visit http://www.SERVPROclaycounty.com/.
Avoid and Recover From Sewer Backups
When the sewer backs up, you may experience much more than damage from flood water. You'll also be at risk of the destruction of your property, expensive damages to your home, electrical malfunctions, long-lasting illnesses, and lasting odors. The best way to avoid these unpleasant circumstances is to act immediately. A quick response is the best way to prevent mold growth, further damages, and an increased amount of inconvenience.
Identification of Problem Areas.
The first step in avoiding these consequences is to understand the most common causes of sewer backups. These include:
• Old sewer systems
• Single pipeline for sewage and storm water
• Tree roots
• Blockages in the city sanitary main
Did you know that homeowners in Kansas City, MO, are responsible for the maintenance and repair of the pipeline between their house and the city sewer main? Part of your responsibility includes any part of that sewage line that extends into public streets or right of ways. If that line becomes cracked or filled with tree roots, you'll be responsible for any repairs and other remedial actions. You can protect yourself from some of the financial burden with the appropriate insurance coverage, but routine professional inspections are the best way to protect against any financial or legal sewage loss.
You can also prevent backups in the lateral sewer line and protect against mold growth with several easy actions.
• Properly dispose of cooking oil and other forms of grease.
• Don't flush paper towels, diapers, wipes, and feminine hygiene products.
• Keep tree roots maintained.
• Replace old plumbing pipes.
• Hire a plumber to correct illegal connections.
• Install a backwater prevention fixture.
When flooding does occur, a thorough cleaning and remediation may be necessary to prevent mold growth, ongoing damage, and unpleasant odors. Work closely with a remediation company and immediately take steps to disinfect plumbing systems and home surfaces. Professionals should provide you with further instructions for appropriate cleanup, including disinfection and deodorization.
For more information, please visit us at http://www.SERVPROclaycounty.com/.
3 Things To Do After Your Home Has Been Hit by a Flood
Flooding in Kansas City home.
Unexpected flooding has left many families with major damage to their homes. The cleanup efforts following these disasters are often complicated and should be done swiftly to limit the damage. Besides the water damage to your home and belongings, floods can lead to mold growth and odor that can make your home an uncomfortable place to be. In the event of a flood in Kansas City, MO, there are three steps you should take immediate to start the cleanup process.
1. Contact Your Insurance Agent
If your insurance policy covers flooding, work with your insurance agent to set up a visit from an adjuster. During this time, be sure to take pictures and document all the damage. You may need these not only for insurance claims, but also for any disaster relief applications.
2. Clean, Disinfect and Deodorize
Use a shovel to get rid of any mud on your floors and a water hose to rinse off your walls and other hard, non-porous surfaces. The faster you can clean off the mud, especially on the walls, the better chance you may have to keep them from being ruined.
To prevent or limit mold growth as well as the eventual odor that comes with it, you should disinfect all non-porous surfaces that contacted the flood water. This should be done as soon as possible as the odor can be difficult to treat once the mold begins to set in.
Take your furniture, upholstery, rugs and other porous items outside to dry as soon as the weather allows. You can clean some of these items yourself, but others will likely need special attention from a professional.
3. Contact a Professional
Once you’ve completed these initial steps, it can be helpful to work with a professional to fight against any sewage loss, mold and other side effects of flooding. A restoration company can provide the right tools to clean up and dry out your walls, wood and carpet floors and belongings.
Flood water rushes in, but the damage and resulting mold growth can stick for a while. With these tips and the help of professionals, you can get your home (and life) back in order.