Six Things You Need to Do After a House Fire

Written by Heidi Petschauer 

You may think a house fire will never happen to you. But what if it does? Are you prepared?

Figuring out what to do after a home fire can be a very stressful and overwhelming process, and it can be hard to decide what to do first. With a little help from your insurance agent, though, you may be able to settle your claim more quickly and get your life back to normal.

Here are the six things you should do after a home fire.

1. Call your insurance agent immediately. You will be getting calls at all hours of the day from public adjusters and contractors who will try to offer you a deal on putting your house back together. These calls can create a lot of stress and confusion. I suggest you speak to no one but your agent to discuss your options at this point in the process.

2. Ask about restoration companies that can help with cleaning up soot, boarding up windows, and other construction. Immediately after a fire, especially if it is a minor one, you’ll need to clean up any soot or water damage. It is important to hire a reputable service to deal with these issues. Ask your agent or insurance adjuster to recommend a few different companies. They deal with these situations more often than you do and likely know of some businesses that fit your needs. Many of these restoration companies have connections to good contractors, engineers, and architects, as well.

3. Separate damaged property from undamaged property. The insurance company will need a detailed inventory list from you after they inspect the loss. Separating your damaged property from your undamaged property will make it easier for you to make a list of your damaged items. This list needs to include the date you purchased each item, the brand name, the price you paid, and the serial number, model, or description of each item. If the item was a gift, be sure to indicate that as well.

It’s a good idea to submit your receipts with this inventory list. If the receipts were destroyed in the fire, or you didn’t keep any receipts, request copies of prior bank statements. This can make obtaining duplicate receipts easier. Keep in mind that photos of any damaged items are always helpful if receipts are not available.

4. Save undamaged property from further destruction. Any items that are not damaged should be put in a safe place, even if it means putting them in storage. Insurance adjusters are typically fair when it comes to adding additional costs for storage.

5. Cooperate fully with the insurance company’s investigation. When a fire claim is reported to an insurance company, it is given top priority. Usually, the adjusters come out to see the loss within 24 to 48 hours. To help settle your claim in a timely manner and to your satisfaction, be sure you are available and on time for all meetings, that you return calls promptly, that any requested paperwork is completed as quickly as possible, and that you contact the company or your agent immediately with any questions.

6. Find somewhere to stay if you can’t live in your home. Most homeowner’s policies include “Loss of Use or Loss of Rents” coverage, which will pay for the food, clothing, and shelter that you and your family may need for a specified period of time. Keep in mind that your policy will pay for “like kind and quality” living arrangements. You may want to save the Ritz for a special occasion and instead stay in a more reasonably priced hotel.

What to do before disaster strikes

• Review your homeowner’s policy to be sure you have replacement cost coverage, loss of use coverage, and adequate dwelling coverage. The last thing you want to hear after a fire is that you were underinsured.

• Save all your receipts and put them in a metal fireproof box or in a storage facility off the premises, such as a safety deposit box. Better yet, scan the receipts and save them to a computer file. Taking a video of your entire home and the possessions within it is the next best thing to receipts. This will show the insurance company what sort of lifestyle you had prior to the claim.

• Be sure to have smoke detectors in every room of your home to ensure that everyone gets out of the house or apartment safely in the event of a fire. Have exit ladders and fire extinguishers handy, and know how to use them.

• Discuss escape strategies and plans with your family prior to a fire, and consider a fire drill to help ensure everyone’s safety.

Article Source: https://blog.equifax.com/credit/six-things-you-need-to-do-after-a-house-fire/

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Getting Your House Ready to Sell - Curb Appeal

Curb appeal is the first impression potential home buyers have of your house. If the outside of the home looks good, people will more than likely want to see what the inside is like. Following are tips for ensuring the outside of your home is attractive for potential home buyers.

Landscaping

Make sure your landscaping is at least average in comparison to other homes in the neighborhood. If it isn't, buy a few bushes and plant them. Don't worry about investing in trees or expensive landscaping propositions. Planting immature trees does not add much to the value of a home and you are not likely to get your investment back. Consider planting some flowers to add color (no bulbs or seeds since they won't grow in time to show the house).

Keep your lawn evenly cut and edged, well-watered and free of brown spots. Fix any problem areas before working on the inside of your house to allow these areas some time to grow. Rake up loose leaves and grass cuttings.

Home Exterior

To paint or not to paint? Take a look at your house from across the street. Does it look tired or faded? If so, it may be wise to paint and spruce up the appearance of the house. You are likely to receive your investment back. If you opt to paint, be sure to pick a color that fits well within the neighborhood. If you opt not to paint, consider washing the exterior of the house. Clean the windows inside and out and remember to check the gutters and chimney.

Roof

If you know your roof leaks, repair it. If you don't repair it, you will have to disclose this information to the buyer who will want a new roof. Roof issues may potentially come up during the inspection as well.

Backyard

Make sure your backyard is tidy. Keep the kids toys cleaned up. If the lot size is small, you may consider removing swing sets or forts to give it the appearance of being more spacious. If you have pets, be sure the lawn is constantly clear of "debris." If you have a pool or spa, keep is well-maintained and constantly clean.

Front Door

The front door is the entryway into the home. Refinish or repaint the door as needed and ensure the door fixture stays polished.

Driveway

Keep your driveway clean and clear. Store RVs or old cars elsewhere while the house is on the market. Consider re-sealing an asphalt driveway.

Hilary Basile is a writer for MyGuidesUSA.com at [http://www.myguidesusa.com], you will find valuable tips and resources for handling life's major events. Whether you're planning a wedding, buying your first home, anxiously awaiting the birth of a child, contending with a divorce, searching for a new job, or planning for your retirement, you'll find answers to your questions at MyGuidesUSA.com.

Find tips and resources for buying and selling a home at [http://buyingandsellingahome.myguidesusa.com]

Article Source: https://EzineArticles.com/expert/Hilary_Basile/78760

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Home Restoration Services - Different Types, Services and Precautions

Restoration can be defined according to Webster's New Collegiate Dictionary (1975) as a process that is 'a bringing back to a former position or condition.' Restoration is a necessity for antique lovers when it comes to preserving the beautiful framework, historical importance, and aesthetics. Yet sometimes it is just an unavoidable process due to natural calamities or other damages. At times there can be some sentimental or traditional memories to be taken care of. But regardless of the reason behind restoration, it is always the highest concern of both the restorer and the client to return back into the home's original shape and design.

Types of restoration services:

Three major types of damages affecting the homes can be mentioned, for which home restoration services are needed:

1. Water Damage restoration services

Water damages can range from natural catastrophe to simple faults in household contents, like floods, heavy rains, toilet overflow, plumbing leaks, dishwasher leakage etc. Whatever the reason is, it causes great damage to homes and is often followed by molds.

2. Fire and Smoke Damage restoration services

Fire damages can take place due to heavy lightning strikes to simple candle fire, even smoking. It also includes faulty wires or electrical equipment, natural gases and fireworks. It is the most dangerous form of damages, as it can spread out so easily and frequently destroying even a whole city.

3. Mold Damage restoration services

Due to poor ventilation, high humidity and darkness molds start to grow at homes. Molds are also side-effects of water damages. And sometimes it occurs to a greater extent because of not taking it seriously at the very initial stage.

Steps in restoration services:

Whatsoever the damage type is, at first the restoration team will monitor the place thoroughly and after analyzing they will make a plan to execute. Then they will take the necessary steps according to the damage type. Generally, the steps include limiting the damage, draining out excessive water (if any), evaporating contents, helping family members in disinfection, odor treatment, cleaning up the residues and lastly decontaminating everything.

Precautions to be taken:

Both a huge amount of expenses and effort can be saved if several precautions can be maintained. Using waterproof materials for household contents and raising the electrical systems' level can prevent severe water damage. Incorrect cleaning and using defective electrical appliances should be avoided. Smoke alarms and fire exit doors should be planned for each and every house. Using organic materials and controlling moisture at home can prevent molds to grow.

Health hazards:

There are possibilities of being highly infected by these damages, especially molds. It can be allergic reactions, fungal infections, asthma problems and also inflammatory infections. So molds must be taken care of at the early stages.

Time plays a vital role in affecting the walls, rooftops, furniture, electronic appliances and everything else as a result of these damages. So it should be treated with high priority as soon as possible, as it spreads out fast with time. Also the right procedure and appropriate materials usage count regarding this. It is highly recommended to contact with home restoration professionals in all above cases. At the time of restoration process, some factors should be kept in mind with high priority, such as: using cheaper painting, mixing different types of materials, lack of knowledge etc. can even lower the durability.

Article Source: http://EzineArticles.com/9189026

Tips on Hiring a Contractor After a Flood Disaster

What type of contractor do I need to repair my flooded home?

If your home has been damaged by a flood, you may need to hire the services of professionals to mitigate the damages, handle any damaged personal property, or perform repairs. Typically, contractors who specialize in flood mitigation and repair are most familiar with the techniques and processes that this type of work requires. Contractors who specialize in flood damage remediation or "flood restoration contractors" understand the proper procedures necessary to restore and/or dry out a home or building and its contents. Some of the specialized equipment they may include: truck mounted and portable vacuums or water extractors, high-velocity air movers, dehumidifiers, and moisture meters to monitor the drying process.

Residential home re-modelers or custom home builders may not have the experience that flood restoration contractors have in this field and may not have the expertise to properly mitigate the damage and/or prevent increased levels of microbial growth (mold). If mold becomes a concern, you may need to hire a certified industrial hygienist to test for mold and provide a restoration protocol or guidelines to mitigate any mold issues. Keep in mind that if you have insurance, your homeowners' insurance policy may have very little or no coverage for mold remediation, so contact your insurance company to find out if you have coverage and what your limits are. Mold remediation can be very expensive!

Usually, after a flood, the restoration process will have three main components:

1. The first is the structural drying phase. This is where the water and moisture are removed along with any materials that cannot be saved such as warped or damaged flooring, baseboard, wet drywall, etc.
2. The second component is the handling of any personal property. This may entail packing up all of the contents of the home including clothing, furniture, or other items and storing and/or restoring them offsite until the structural repairs are completed. This phase also may require the creation of an inventory to document or list any personal property that may have been damaged beyond repair and that needs to be replaced.
3. The third phase in the restoration project is the structural repair. This entails the restoration of building elements that need to be repaired or replaced, including insulation, drywall, baseboards, cabinetry, flooring, painting, etc. In some cases, a single restoration contractor may offer to perform all three phases or you may want to choose one company to handle the drying while other companies handle the contents and structural repair.

Before you sign a contract for flood remediation services, consider the following:
 

• Read every word of the contract and be sure you understand the terms and conditions.
• Review any fee schedule that details what the charges will be for labor and equipment.
• Get an estimate of what the drying process may cost before any work begins. Any costs or charges that your insurance company does not cover or pay for, you may be held personally responsible to pay.
• Obtain copies of certificates of general liability and workers compensation insurance and be sure the policies are current and in force.
• Obtain copies of any Material Safety Data Sheets (MSDS) if the contractor intends to use any chemicals, anti-microbial agents, or other substances in your home that could cause adverse health effects.
• Check references and affiliations with trade organizations and the Better Business Bureau.
• Photograph and document your home, its contents, and the extent of any damages prior to anything being done or moved.

Article Source: http://EzineArticles.com/expert/Sean_Monroe_Scott/1290184

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