Tag Archives: Home Insurance Policy

The Importance Of Knowing The Fire Safety Regulations For Your State

When you open a business, there are many responsibilities that come with it. Buying stock, managing and hiring staff, health and safety and numerous other jobs. In all the work and confusion, it is very easy to miss a few things, and while that is understandable, one of your priorities needs to follow fire safety regulations of your local State

Setting aside rules and regulations for a second, Just imagine how you would feel if something was to go wrong at your business premises and fire was to break out. The guilt and emotion you would feel if you had not complied with the various regulations, should someone get hurt, or worse would haunt you for the rest of your life. This alone should be enough to ensure you follow the various rules, but there are also strict penalties in place for those that choose to ignore them.

Each state has different Fire Safety Regulations in place, so it is essential as a business owner that you are aware of and understand the specific laws that relate to your state. Ignorance of the law is not a defense, and the responsibility is fully on your shoulders to ensure full compliance.

Equipment

You have a responsibility to have certain health and safety equipment on your premises, such as fire extinguishers. These need to be of a certain type and need to be serviced and maintained to a certain schedule. It is important that you designate responsibility to a member of staff to ensure compliance as this is certainly one of those things that can easily slip by unnoticed. Another essential check is that your fire alarms are running properly and that the batteries are changed annually, or at least as often as the manufacturer recommends.

Planning and Organisation – Command Structure

Should the worst happen and a fire was to break out,,, you need to have set appropriate procedures in place. Every member of staff should be fully versed in what to do, and someone should have a dedicated role as fire warden, etc. When a fire inspection takes place, … Read more here..

The Dangers Of Water Damage

Water is one of the most important substances in the world, as it’s used to water plants, keep people hydrated, and clean the air. However, it can also cause various types of damage to structures such as homes and other buildings. It’s important to know some facts about water damage including the following ones:

  1. Not all water damage is covered by insurance policies

It’s critical to review your insurance policy and be aware of any exclusions related to Boca Raton water damage. The majority of policies cover sudden damage such as water damage from bad storms/overflowing washing machines. Meanwhile, if you didn’t maintain your property correctly it will be excluded. That’s also the case for slow leaks that resulted in water damage over an extended period of time. The bottom line is that if there are water damage issues in your home you should repair them as soon as you can. That will help to ensure that they’ll be covered by your insurance policy.

  1. Water damage that starts will get worse over time

If your home has water damage it’s critical not to wait for a convenient time to start cleaning it up. Secondary damage resulting from mold growth can cause major health risks linked with mold in your home. Mold spores can be found just about anywhere. However, they won’t grow without moisture and nutrients, which they could get from drywall or wet carpet.

When something in your home gets wet you have 24-48 hours until mold starts to grow. Then it will start to multiply at a fast pace. When mold grows in a widespread area you might need to have professionals fix the mold problem in order to treat the mold safely and remove the microbes.

  1. The water’s pollution level is an issue

Water damage is classified by one of three different levels based on the pollution level of the water source that resulted in the water damage. Category 1 includes water from a clean water source such as freshwater originating from a dishwasher. Next, Category 2 is water that could cause illness by contacting it, … Read more here..

What Will Your Home Insurance Policy Cover After Water Damage to Your Home

Water damage remediation services are a must when there is serious water damage to your home but unfortunately, this isn’t the only thing home owners have to contend with. Too many owners don’t actually know what is covered in their insurance policies. Yes, you heard it right and let’s be honest, this is an area which is unclear and often grey. So, what will a home insurance policy cover with damage caused by water?

Mold Damage May Be Covered

Now, mold is something which is of course very dangerous for a home and very deadly to someone’s health and it can at times be covered on a home insurance policy but not always. Some insurance carriers will have certain criteria in order for a policy to cover this but not always; it really depends on who you have a policy with and what you specifically ask for. If you live in a very old house which has had problems with mold in the past, you may not get mold cover. However, if you have had damage recently, you need to look at water damage remediation Orange County to hopefully prevent mold from forming.

Floods Will Not Be Covered

Generally, most home insurance policies don’t cover water damage because of a flood. Of course, there may be some insurance carriers who do offer this but generally many don’t especially for those in high-risk flooding areas. If water got into the home and destroyed or damaged property because of a broken roof or window then you would be covered. Flooding is quite a murky area because storms and a burst pipe in the home aren’t usually covered but leaks from broken windows and roofs are so you do need to understand the policy. Remember to use water damage remediation Orange County service when there is serious damage. More details here!

Storms and Gradual Water Damage

Every policy may be different when it comes to dealing with gradual water damage and damaged cause by storms. For example if you have a leak from a pipe in your home and you haven’t had … Read more here..