Tuesday, November 29, 2022
The 3 Categories of Water
Sunday, November 27, 2022
Got False Alarms? The Truth About ‘Pesky’ Smoke Detectors
Wednesday, November 23, 2022
Sunday, November 20, 2022
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/
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/
Thursday, November 17, 2022
How to Use a Fire Extinguisher | Consumer Reports
A fire extinguisher might seem like a simple device, but you would be surprised how many people don’t know how to use one. Consumer Reports’ expert explains how they work.
Monday, November 14, 2022
Alltek Restoration's Commitment and Dedication to Client's Satisfaction is Second to None
You can expect a professional staff when working with Alltek Restoration, Inc. We value and expect quality, efficiency, punctuality, cleanliness and courtesy from our team. Our commitment and dedication to our client's satisfaction is second to none.
- Quality work, Integrity, and Commitment
- Prompt completion and timeline.
- Detailed estimates upon invitation to bid.
- Explanation of contract and specification
Alltek has established successful working relationships with qualified and competent professionals, and subcontractors who share our customer oriented philosophy.
Our Guarantee: We warranty all work that is done with your project whether we ourselves do the work or our subcontractors do the work.
Choosing the right contractor is crucial for any project to be successful. We specialize in Emergency Services, Contents, Restoration, and Reconstruction. You can rest knowing that your project's interest is at the top of our concerns. Alltek is committed to providing our clients with the highest quality work and exceptional customer service, while assuring you of a well executed plan to complete your project. You and everyone involved in your project will feel confident we are leading the way.
OUR ESTIMATES
Xactware® is recognized in the claims industry and used by many insurance providers. All of our restoration scopes and reconstruction estimates are generated using the Xactimate estimating software or Xactcontents for personal property.
With our estimating staff’s knowledge, combined with the power of Xactimate, our estimates indicate exact quantities and materials & labor. This is accompanied with a clear description of work to be performed and graphical reference providing you with a clear concise scope of work that Alltek will perform on your project.
PROPERTY RESTORATION | STRUCTURE RECONSTRUCTION
There are many aspects to your claim, that our trained and expert staff will guide you through the process. We provide you with a single claim solution from start to finish. Once you choose Alltek Restoration, Inc. you will have one point of contact for your entire claim. No call centers. You will never be a claim number.
Alltek performs both residential and commercial restoration for insurance claim repairs for both small and large loss. For all properties we provide complete restoration services for the following loss categories:
Fire Damage, Water Damage, Smoke Damage, Storm Damage, Vandalism, Vehicle and more.
BOARD UP SERVICES
Are very common requirements after storm or fire loss. The damages caused by the actual fire and tactics use to extinguish can leave your property with broken or blown out windows, burnt doors or broken doors, ventilation holes in roofs, and structural deficiencies all of which leaves the property open to accessible, in distress, and insecure. We will secure all loss related openings with temporary measures securing the property and temporary structural repairs to help prevent further damages.
Contact our office in Antioch, CA, at 925-732-7208 to speak with one of our construction designers about your upcoming project.
Saturday, November 12, 2022
Water Damage Restoration - A Brief Preview
By Amrit Jana |
It is the process of repairing a house or property to its pre loss condition. Damage to the property could be because of an overflow, flood or any other water damage event. The water damage restoration process involves several key procedures like loss assessment, categorization based on the water contamination levels, decontaminating and drying the structure, monitoring of the process and completion of the process. There are two large certifying bodies, namely the IICRC (Institute of Inspection, Cleaning and Restoration Certification) and the RIA (Restoration Industry Association) that recommends standards for water damage restoration. The S500 damage due to water guide is the benchmark tool that is used by companies that specialize in restoration of water damage.
Loss Assessment and Categorization
Loss evaluation is the first and the most important step in water damage restoration. The assessment has to be correct so that an appropriate response can be taken. In restorating the damage caused by water, technicians and the insurance companies must work together and understand what is damaged and how to go about restoring the damage. Identifying the source of the damage, documentation of damage, and accurate estimates are mandatory for a proper water damage restoration. Categorization is based on the contamination levels of the water source. The categories are listed below
Category 1 - This is water from clean sources like pipes, sinks and toilets without faeces or urine.
Category 2 - This is water that has some contaminants like water from a dishwasher, washing machine or toilet with urine.
Category 3 - This is water that is highly unsanitary and is capable of causing illness or death if ingested. Sewage water, water from toilet with faeces, standing water with microbial growth and floodwater are some examples.
Decontamination and Drying
After the evaluation is complete, the process of drying and decontaminating begins at the site. Based on the extent of damage, damage caused due to water can be classified into 4 types. Class 1 Damage- When loss is restricted to a small area and less water has been absorbed by materials. This results in slow evaporation rate. Class 2 Damage - When the damage is to the entire room and carpet area. Class 3 Damage - When the entire area is saturated with water and Class 4 Damage - when there are many deep saturation pockets. Decontamination and drying is a key stage in Water damage restoration and equipments like blowers, dehumidifiers, scrubbers and subfloor drying equipments have to be used. Decontamination has to be done if contamination has been detected in the area. Decontamination may be done for the entire area or in specific pockets where contamination has been detected.
Monitoring and Completion
Monitoring the restoration process of damage caused due to damage is critical to achieve the desired results. One has to be proactive during the monitoring process. Checking if the drying equipment is setup properly, assessing if the personnel involved are qualified for the job and checking if the equipments are in working order are all part of the monitoring process. Necessary steps are to be taken if anything wrong is spotted during the monitoring process. The entire process of water damage restoration would be classified as complete only once the humidity, temperature and the moisture content is as per industry standards. Upon completion of the water damage restoration process, the drying equipment can be removed.
Article Source: https://EzineArticles.com/expert/Amrit_Jana/1519186
Wednesday, November 9, 2022
Top 5 Questions to Ask When Choosing a Contractor
Sunday, November 6, 2022
How to Clean Up Attic Mold | This Old House
This Old House general contractor Tom Silva shows a professional approach to eliminating dangerous fungus outbreaks.
Thursday, November 3, 2022
Why Alltek Restoration?
Choosing the right contractor is crucial for any project to be successful. We specialize in Emergency Services, Contents, Restoration, and Reconstruction. You can rest knowing that your project's interest is at the top of our concerns. Alltek is committed to providing our clients with the highest quality work and exceptional customer service while assuring you of a well executed plan to complete your project. You and everyone involved in your project will feel confident we are leading the way.
OUR ESTIMATES
Xactware® is recognized in the claims industry and used by many insurance providers. All of our restoration scopes and reconstruction estimates are generated using the Xactimate estimating software or Xactcontents for personal property. With our estimating staff's knowledge, combined with the power of Xactimate, our estimates indicate exact quantities and materials & labor. This is accompanied with a clear description of work to be performed and graphical reference providing you with a clear concise scope of work that Alltek will perform on your project.
PROPERTY RESTORATION | STRUCTURE RECONSTRUCTION
There are many aspects to your claim, that our trained and expert staff will guide you through the process. We provide you with a single claim solution from start to finish. Once you choose Alltek Restoration, Inc. you will have one point of contact for your entire claim. No call centers. You will never be a claim number. Alltek performs both residential and commercial restoration for insurance claim repairs for both small and large loss. For all properties we provide complete restoration services for the following loss categories: Fire Damage, Water Damage, Smoke Damage, Storm Damage, Vandalism, Vehicle and more.
BOARD UP SERVICES
Are very common requirements after storm or fire losses. The damages caused by the actual fire and tactics use to extinguish can leave your property with broken or blown out windows, burnt doors or broken doors, ventilation holes in roofs, and structural deficiencies all of which leaves the property open to accessible, in distress, and insecure. We will secure all loss related openings with temporary measures securing the property and temporary structural repairs to help prevent further damages.
Learn more at: https://alltekrestoration.net/services
Contact our office in Pittsburg, CA, at 925-732-7200 to speak with one of our construction designers about your needs.
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