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Water Sinkhole Damage

Water Sinkhole Damage

Sinkhole damage is very common in your home, usually these failures are caused by depression of the soil in a circular shape, they are considered a very common phenomenon in homes.

They can be easy or difficult to detect, the signs of damage are mostly visible and can be mitigated in time so that there is no major breakdown.

In this article we will teach you how to recognize water sinkhole damage in a practical and simple way.

Let’s get started!

What will you find here?

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Main signs of water sinkhole damage
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How to recognize a sinkhole?
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Soil depressions due to sinkhole damage
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Why does this happen?
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How do you detect sinkhole damage on the inside?

Main signs of water sinkhole damage

  • Cracks on the exterior or interior of the home’s walls: they can lead to the formation of a sinkhole if repairs are not made in time. Damage begins to be created because a water filter is created inside the structure and all of the wall material crumbles from the inside.
  • When sinkholes are out in the open, roads and highways can collapse and sink into the ground, this poses a great danger to drivers and the roadway.

How to recognize a sinkhole?

A sinkhole is defined as a kind of hole in the earth’s surface covered by water.  It is usually caused by erosion or dissolution of the limestone layer below the earth’s surface.

This damage can occur anywhere, but is most common in acidic soils.

Over time, these acids in the soil erode the limestone, causing it to sink and pull down the topsoil.

Sinkholes are generally difficult to reverse; the only way they can be minimized is if they are small and quickly detected.

Many insurance companies offer coverage for sinkhole damage, but mitigating the damage early reduces the risk of loss, so our public adjusters at Let Us Claim can help you with the claims process in the event of sinkhole damage to your home.

Soil depressions due to sinkhole damage

As mentioned above, sinkholes are one of the main signs of damage caused by water sinkholes.

When a sinkhole is created, the pools of water take the form of a circular pond that accumulates water, although as we know it is common to see “sinkholes” it is best to investigate thoroughly how it was created to find out a possible damage.

A characteristic of sinkholes is that when they have greater depth is that vegetation and plants begin to wither on the surface.

Why does this happen?

Because the same sinkhole damage pushes the moisture down that it created with the accumulation of water.

This is why there are deep wells that are considered sinkholes because of the amount of water they accumulate and erode inside the well.

sinkhole-2

How do you detect sinkhole damage on the inside?

  • In addition to cracks in the wall, you may encounter sloping floors.
  • Debris in the water you use for bathing or washing.
  • Typical depressions in your yard or nearby areas is a sign of sinkhole damage.
  • The interior of the home is also affected, in the case of closets they tend to disarticulate, it is advisable to perform a periodic review of these spaces in your home.
  • Excessive separation between ceilings and walls, as mentioned earlier in this article, is a sign of a water sinkhole caused by erosion between wall components mixed with water.
  • Ladder cracks are another red flag for you to file a claim with your homeowner’s insurance company for sinkhole damage.
  • If you have dead vegetation in your yard, it may also be a sign that a sinkhole is present.
  • The importance of verifying all these signs is because you can avoid a sinkhole in the affected area, which in the future may be irreparable.

Our public adjusters will always be happy to perform a free inspection of your home and accompany you through every step of your claim process to make it a success.

Home fire insurance

Home fire insurance

Home fire insurance is one of the coverages that are always included in your insurance policy, but it is important that you have concrete details about it, you have to take into account if it is mandatory or how much it implies to have it.

In this article we are going to provide you with detailed information on how this type of coverage works and what fire damages it covers, in case of fire damage in your home.

What will you find here?

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Does my home insurance policy cover fire damage?
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What types of fire damage does my insurance policy cover?
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What about my valuables are also covered by the fire damage insurance policy?
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Is the home insurance policy effective in all fire cases?
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What to do after a fire in my home?

 

 

Does my home insurance policy cover fire damage?

In most cases it is mandatory for homeowners to take out a homeowner’s insurance policy with fire damage coverage, which covers the entire structure of your home. The only exception for the coverage to be extended to the ground or the exterior of the home is in the case of: explosions, sudden fires or extreme weather incidents (flood, earthquake, storm).

It is important that you keep in mind that it is mandatory to contract this type of insurance so that in extreme cases or fire damage you can make the pertinent claim to your company, with the support of one of our Let Us Claim public adjusters, and thus alleviate the burden of an arduous process.

What types of fire damage does my insurance policy cover?

When fire damage insurance is included in your policy, you become entitled to compensation when fire damage occurs, provided that the loss was unintentional.

This is a law that is present in the contract of your policy, there the company will specify in which cases the fire damage coverage does not apply:

Fire caused intentionally with the purpose of causing damage.
Fire caused by negligence of the owner or third parties for which the insured is responsible.

What about my valuables are also covered by the fire damage insurance policy?

No, valuables inside the home (jewelry, works of art, technological devices, etc.) must be covered by a different insurance policy, which is optionally added to the homeowner’s insurance to cover property damage.

Each insured person is free to estimate the value of the objects he/she wishes to be covered by the insurance and to choose the amount of compensation he/she wishes to receive in case of damage. This is a kind of “amount to be paid” in the homeowner’s policy. Our public adjusters at Let Us Claim will help you determine these types of additions to your home insurance policy and how to make a claim correctly, without so much confusion.

Insurance companies take into account the protection mechanisms or surveillance equipment you install in your home for fire damage in order to calculate the price of home insurance and valuables.

Is the home insurance policy effective in all fire cases?

As we have already mentioned before, those cases that have not been intentional will be insured. The insurance company will not cover fire damage caused by the insured party intentionally or due to gross negligence. It is very important to bear in mind that this clause is fundamental to avoid that the insured party himself may set fire to his home in order to receive compensation.

Before contracting the insurance, it is necessary to give a detailed reading to the clause on fire that it contains, because it is very fundamental that it includes the damage by fire or explosion, for that, if you already contracted an insurance company and you do not know which are its clauses, the public adjusters of Let Us Claim will help you to break down each one of them so that you have clear what type of home coverage you have and what damages it covers.

Check thoroughly if the fire damage insurance covers the real estate of the home related to fire, dust and smoke, also the most advisable is to check if the warranty proposed by the insurance company includes coverage for damage to electrical appliances.

For the rest of the damages, the insurance company will indemnify the damages produced by the fire when these have originated suddenly or have been caused by third parties intentionally.

What to do after a fire in my home?

If you suffered a fire or explosion in your home, you have 5 working days to notify the insurer of the loss. It is very necessary not to touch anything and leave the burned objects as they are. If necessary, make a photographic record of the fire damage and note down the objects that disappeared during the fire (as long as they are accredited by the insured party).

All these steps or tips are useful for the insurance company to calculate the indemnity.

The coverage of fire damage is one of the most important when you contract the insurance of your home, the name it carries is: multi-risk home insurance, but, as well as these, there are other essential coverages for the home such as: Civil liability insurance, damages to third parties and guarantee of theft to compensate for the damages produced by the same.

Home insurance policies have different functions and not all of them have the same coverages, but we can deal with that later in another article.

signs of a broken water pipe

signs of a broken water pipe

One of the most serious problems that can occur in your home is if you are faced with a water leak from a broken pipe. These problems start from the drain or near the groundwater and not just any type of structure leaks.

It’s almost always difficult to identify in the first instance what type of water damage caused that pipe failure. With the naked eye you can “spot” the signs of damage that directly affect your home.
That is why, in this article, we’ll advise you on what to do and how to determine the damage so that you can make a claim process under your insurance policy.

Let’s get started!

What will you find here?

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How can I identify a water leak?
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What other signs indicate that my plumbing is failing?
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My pipe is blocked, what should I do?
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No water pressure Is this due to the piping?
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My pipe has a bad smell, should I check it?
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Water comes out dirty Does this indicate damage to my plumbing?

 

How can I identify a water leak?

There are different places in your home where you can determine water damage in the pipes. For example, in the bathroom, in the kitchen and in the washing machine. But now let’s take a closer look at the specific fixtures where you can find them:

In the kitchen

– Dishwasher: Leaks appear where the water supply of the appliance is connected, it is important that you are periodically checking its operation.

– Refrigerator: If it has an ice dispenser, check that it is properly connected to the water line.
– Sink: Be on the lookout that the drain pipe is in place because usually the fault can be found underneath it.

In the bathroom:

– Showers and bathtubs: Water always leaks through the walls, one of the signs is that it is usually wet, this can determine that the fault exists and has been leaking for some time.

– Toilet: Check near the base rubber and the outlet pipe, the fasteners wear out over time.
Signs of broken pipes are not that difficult to determine, which is why you should know how much your homeowner’s insurance policy covers.

One way to determine the severity of the damage and your insurance coverage is to request a free inspection from a Let Us Claim public adjuster. Let Us Claim public adjusters work for you, protecting your rights against your insurance company. They will guide and represent you through the claim process, step by step to make the process easier for you.

What other signs indicate that my plumbing is failing?

The idea is that you make a frequent check of all the places where there are pipes inside your home, this in order to prevent water damage, these can have more serious consequences than expected.

My pipe is blocked, what should I do?

This is one of the most common signs when water damage occurs in pipes. One of the main recommendations is to unscrew or remove the grates from the drains, this will help to rule out blockages that do not allow water to pass through the area. Another homemade trick when there is a clogged pipe is to pour hot water with baking soda or vinegar to clear it.

However, it is important to note that the best thing to do if you determine signs of a broken pipe is to analyze your home insurance and seek a public adjuster to help you process the claim. This will depend on the type of damage specified in your insurance company’s contract.

It ‘s important to describe the case well, whether it was accidental or sudden damage.
If you have doubts about how to determine these things within your insurance policy, don’t worry, Let Us Claim will help you understand the coverage of your insurance policy and guide you through the claim process.

No water pressure Is this due to the piping?

Yes, and it also has to do with the previous point: clogging or leakage. The main recommendation is to open the stopcock more, if this problem is not solved the most advisable is to check if there is no obstruction of the pipe, if you also fail to identify the fault, the most advisable is to consult the damage with an expert to make a claim to your insurance company.

My pipe has a bad smell, should I check it?

In general, pipes do not have bad odors when they are in good condition, but if they do, the problem may originate in the dishwasher. Many times waste is thrown down there without generating awareness that this contributes to the growth of a possible damage that directly affects the pipe.

It is recommended to be careful, do not pour household or commercial substances to encourage the transit of waste because it can worsen the situation, if you want to make a claim consult the contract of your home insurance policy.

Water comes out dirty Does this indicate damage to my plumbing?

This is one of the most common problems when water damage occurs in your plumbing. But there is no need to worry as it is one of the easiest faults to fix.

This may indicate that they are just sediments stuck to the pipe and the liquid should be allowed to flow so that the water is purified, if by doing this, the water still comes out very cloudy, it is a sign of deterioration of the pipe, and may be due to age.

Water damage can be very common in your home, if you are not doing a periodic review of the pipes, over time they deteriorate and can cause problems with serious consequences, which if you let it happen will come at a high cost.

That is why you should be up to date with your home insurance policy and know how much it covers you. If you have a broken pipe in your home and you don’t know how to carry out the claim process, contact a Let Us Claim public adjuster, we will help you manage everything, we will follow up your case step by step to make it a success.

 

Damage caused by tornadoes

Damage caused by tornadoes

The damage caused by tornadoes can have serious consequences in your home and even the total loss of your property, so it is important that you are prepared to know how to act in case of an emergency of this magnitude.

Tornadoes are one of the most aggressive storms of nature, its main feature is a circular movement that descends to the ground, so you have to be aware of the forecasts and take security measures in this case.
Today we will give you tips so that you are prepared for a tornado emergency and your home or house does not suffer major damage.

What will you find here?

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What to do in the event of a tornado?
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During a tornado, take the following precautions
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After a tornado
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What to do after a tornado 4 steps
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Tornado Damage What to do?
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How to assess tornado damage?
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Protect your property

What to do in the event of a tornado?

Before knowing how close the tornado is, you should know some terms, the tornado watch which means that residents of that area should be prepared and stay alert to the tornado warning or alert, when the latter begins to be issued you should seek shelter.

During a tornado, take the following precautions:

The first thing you should have on hand is a first aid kit, in addition to having a family emergency plan, so that everyone knows how to act in this emergency.  Also, be aware of changing weather conditions.

Tune in to a dedicated NOAA weather radio station or your local television station so you can watch for a tornado warning.

If you are in a home, buildings, school, nursing home, hospital, shopping center: Go to a pre-designated shelter such as a basement, small room on the lowest floor, such as a bathroom, closet or hallway.

Stay away from areas with windows and glass doors, or areas with wide ceilings. The more walls separating you from the outside, the better protected you will be; don’t forget to keep windows closed.

After a tornado

It is not uncommon for injuries to occur during or after a tornado strike, especially when people walk through debris and enter storm-damaged buildings.

Since in most cases tornadoes can affect power lines, gas lines or electrical systems, there is a risk of fire, electrocution or explosion.

For your own and your family’s protection, get treatment promptly and use extreme caution to avoid further danger and stay in a safe place until it is safe to return to the affected area.

What to do after a tornado 4 steps

1- Call your insurance company: You should first contact your insurance company. Report complaints immediately by phone and in writing.

The sooner you do this, the faster the adjuster will respond and assess property damage.

You can either go through the claims process on your own or hire a Public Adjuster to represent you.

2- Verify the terms of your policy: Read the details before the regulator arrives, if you do not understand you can consult your insurance broker or a Public Adjuster.

You cannot change your policy, but you can get information about your coverage. Insurers simply need to act with integrity and conduct “reasonable” investigations.

3- List/enumerate all damages: You or your representative (Public Adjuster) must itemize and list all property damage, including buildings, surrounding property, equipment and vehicles.

4- Talk to a Public Adjuster if necessary: Do not simply accept the adjuster’s loss estimate. A public adjuster can negotiate to ensure full and fair payment. The public adjuster will guide you to a successful process including this step.

Tornado Damage What to do?

Tornadoes can cause extensive damage to your home, at speeds of 180 km/h or more, roofs can come off, and at speeds of 250 km/h or more, walls can come down.

The damage caused by tornadoes can represent a catastrophic loss for your home or business, and it is not so easy to recover quickly from it.  The first thing you should consider if you suffer this type of catastrophe in your home or business, is to have a good public adjuster, who will be in charge of helping you in the whole process and thus be able to have a complete recovery of your home or business.

Let Us Claims public adjusters will help you through the entire claim process. They will guide you and defend your rights to obtain the desired compensation and recover your home or business.

How to assess tornado damage?

Do not enter damaged buildings until you have been told they are safe.

Be very careful of debris, broken glass, nails and other sharp objects.

Wear appropriate clothing, such as sturdy shoes or boots, long sleeves and gloves.

Inspect your home or apartment for signs of structural problems. If you need a free inspection, call (407) 610-2333.

Follow all instructions regarding power failure and generator safety precautions. Take pictures of damage inside and outside the home.

Protect your property

Make any necessary temporary repairs to prevent future damage from rain or looting. Most insurance policies cover these costs, so keep your bills. Keep bills for all additional living expenses, such as temporary housing payments.

Because most insurance policies cover all of these costs. List in detail any damaged or damaged personal items.

Damaged items should not be discarded until you have seen or scheduled an appointment with the appraiser. Check the service line and equipment for damage.

If you smell gas, open windows and turn off the main valve. Do not turn on lights or equipment until the gas has dispersed.

If disconnected, turn off the power. Take the time to contract for service. Cooperate with reputable, licensed contractors. If you are unsure of a contractor’s qualifications, contact a Let Us Claim public adjuster who can help you learn more about what to do in the event of tornado damage.

 

Mold damage, Causes and diseases.

Mold damage, Causes and diseases.

Moisture is the main cause of mold damage in your home. This can bring diseases that affect you in the short and medium term; like the rhinitis, skin infections that accelerate disorders such as asthma and migraine. You can avoid all this in your home by following the proper hygienic measures.

Mold can appear on the wall, roof, tiles or even on your own shower curtain. The color is usually black, green or orange, its “closed” smell is very characteristic and can be the main indicator that mold is present in your home.

In this article we are going to give you a series of recommendations to avoid mold damage in your home. Let’s get started!

What will you find here?

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Mold damage can affect your health in these ways
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It's also essential to make your insurance claim for mold damage in a timely manner.
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Tips to get rid of mold in your home
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Moisturizing treatment to eliminate mold on the wall
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Investigate where the mold stains appear
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To clean the stains, you can choose
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This led us to look for a moisture-resistant treatment as a last resort, which we recommend
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What is the mold damage claim process like?

Mold damage can affect your health in these ways

Mold is a living organism that produces very small “spores”, these travel through the air and spread, although you can’t see them, they are always present in your home environment when you have dampness.

Some of the discomforts that can affect your health with respect to mold are the following:

– You breathe worse: when small mold spores enter your lungs they can end up causing respiratory problems and especially having greater consequences in people who suffer from asthma or any respiratory disorder.

– Allergies: Some people are allergic to these spores and they can cause allergies, these can manifest in itchy eyes, constant tearing, nasal congestion, throat irritation or even have headaches.

When these symptoms start to increase and are prolonged, you could end up suffering from arthritis or osteoarthritis. That’s why it’s very important to know how to prevent mold from affecting your health in this way.

It’s dangerous for your family and your health. For example, mold can spread throughout your home by increasing humidity for 2 to 4 days. Creating small spores that we talked about earlier.

It’s also essential to make your insurance claim for mold damage in a timely manner.

A mold colony needs only three things to keep growing: moisture, oxygen and material. Mold damage to a property is generally found in the following materials: drywall, wood framing, flooring, insulation, ductwork and HVAC systems, and other interior finishes.

These materials are among the most concerning when it comes to mold damage to the property.

In addition, measuring moisture is important for accurate mold identification. Removal of contaminated and unrecoverable material, mold remediation, and subsequent remediation can create more problems than is evident in the surface finish. This is one of the things a public adjuster may consider when making an insurance claim for mold.

Homeowners deal with delicate and emotional burdens when affected by mold damage. Causing damage to fabrics, furniture, electronics and items of sentimental value.

Moving is a temporary option to consider when your home has severe mold damage.

Knowing and understanding the mold claim process can be overwhelming. Therefore, the assistance of an experienced and qualified public adjuster can be indispensable to the insured. At Let Us Claim you can count on an expert in this area.

Tips to get rid of mold in your home

The first tip to get rid of moisture in your home is to consult an expert, who will assess whether it is mild or severe damage. Some of the more complex causes are: wet, leaking or broken pipes. Excluding this option, we can focus on solving it by implementing some tricks:

1- Moisturizing treatment to eliminate mold on the wall.

The first step to deal with moisture is to remove the surrounding air for at least 10 minutes a day. This will help circulate the air and clean the house. This action limits the generation of moisture.

You can do this by placing exhaust fans in bathrooms and kitchens, hanging clothes outside and placing moisture-proof plants indoors to prevent further mold damage.

2- Investigate where the mold stains appear.

Go through your home and look for their origin carefully to find the root cause.

The most common places are kitchen corners, bathroom floors and corners, dark walls in poorly ventilated rooms.

Once you have identified the area and the stain, you can begin to remove the moisture from the wall.

To clean the stains, you can choose:

– Bleach or bleach. It’s one of the best disinfectants.

– Sodium bicarbonate. Eliminates damp and musty odors.

– White vinegar. It’s used to eliminate all types of mold on the wall.

When working with these preparations, be very careful, always wear gloves to protect your hands and use cloths only for this purpose.

Stains reappear every one or two months, knowing that one of the main causes is moisture from condensation and not being able to remove them completely.

This led us to look for a moisture-resistant treatment as a last resort, which we recommend:

Dehumidifiers.

Squeeze.

Moisture resistant coating.

Waterproof coating.

Moisture-resistant gypsum board.

Odor neutralizer.

Now, when it comes to practicing ventilation, cleaning affected areas, removing moisture from walls, understand that hydration is an activity to include in your schedule.

What is the mold damage claim process like?

Our public adjusters will assist you in the mold damage claim process, many times these policies often have changes from state to state.

Filing a mold damage insurance claim with an insurance company requires careful analysis and interpretation of the insurance policy. Also, a clear understanding of the cause of the mold growth must be made.

But don’t worry at Let Us Claim we alleviate the steps to follow for a mold damage claim, we focus on you. We want to help you get the best compensation possible and we are here to help you with all process.