Will my homeowners cover the cost of my pool repairs?
So, I woke up this morning and the side of my pool (it's above ground) was busted out and the liner was protruding from the hole...I unhooked the pump from the hoses and allowed the center drain to leak all the water, to try to prevent damage to the liner...But my question is: Does home insurance cover the cost of pools?
Almost certainly it won't. Even if a deluge damaged the house, flood insurance (if you have it) wouldn't be valid because it's technically not a flood.
If you feel up to a challenge, the answer is in your homeowners policy. Beware though that insurance jargon uses ordinary English words in very special ways.
Filed under Home Insurance by on Apr 23rd, 2010. Comment. 
Whether you have had a small leak in one of your pipes or a full out flood, water damage mold is nothing to be taken lightly. Mold can be very persistent and hard to get rid of and it can also be hazardous to your health. Not only that but if left unchecked, mold will ruin any surface it grows on.
What Is Mold?
Mold is a fungi whose job it is to decompose things. We often think of it as decomposing vegetables, bread and other foods that have been left around but when it gets into your home, mold can decompose your carpets, your drywall, your clothing, your books and any other organic surface in your home.
Mold loves more sure which is why water damage mold is so common in flooded areas. Since mold spores are always present outside, it doesn't take too much for them to get inside you all in all they need is a moist area, some organic material and the temperature of between two and 40°C. Needless to say, you don't have to experience a major flood to get mold in your home.
What To Do
If you have mold in your home whether it's from a simple leak in a pipe or your basement flooding, you want to assess the extent of the damage. Get into the area and see how bad the mold is. If it is excessive, you probably want to check your insurance policy to see if mold damage is covered and then call the insurance company. In many cases a mold remediation company is necessary to remove the mold safely.
If you just have a minor leak at a pipe that has caused a little area of mold that you may be able to remove yourself. The first thing is to be sure of where the mold this. Remember, it can grow on wood, drywall, carpeting, fabrics and books so you want to check to make sure if any of these items around that they do not have mold on them.
When removing the moldy items, you want to be sure that you seal him in a bag so that the mold spores do not become airborne and find another place to grow in your house. If it is a big job, you want to section off the entire area and be sure to have ventilation to the outside. Also, wear protective clothing when cleaning or removing mold as water damage mold can be very hazardous to your health.
Don't let water damage mold ruin your home! Visit http://www.householdmoldguide.com to find out more about getting rid of mold as well as it's health hazards.
Filed under Home Insurance by on Jan 14th, 2010. Comment.
Flood water damage is a devastating occurrence. Flooding is happening more frequently in areas that are prone to it and other areas that once thought they were safe are seeing damage. You need to know how to protect yourself and to recover from flood damage in your home or business.
Begin by making sure that you are covered in the event of a flood. Check your insurance policy yearly to be sure you are covered. Many policies do not cover flood and you may need a separate policy for this.
If you are unfortunate enough to suffer flood water damage, immediately contact your insurance agent. They may have a company that they work with or can recommend for quality work.
The most important thing to remember is safety. Be sure that all electricity is turned off at the source and wear rubber boots and gloves before entering your home or business.
If there is basement water damage, you will need to use a pump to clear out the water. After the water is removed, use a mop to finish the job. Remove any water soaked items by washing and drying or placing in the garage. This will help to eliminate moisture from the air.
With water damage on the floor, again, remove any wet carpet and padding. The padding may need to be replaced. Dry the carpet and keep it away from the walls. They will absorb moisture and ruin the baseboards and sheet rock. Remove any other wet items out of the house.
When you speak with a water damage company, be sure they can be there within 24-36 hours. Any longer and dangerous mold will begin to grow. It can be difficult and expensive to clean and remove once there.
Flood water damage, if taken care of quickly and by a professional cleaning company doesn't need to ruin all of your possessions. Be sure to use a qualified company and you will have the best chance of recovering your home and business.
About the Author:
If you would like to learn more about flood water damage and the best way to take care of it, see
http://waterdamage.synthasite.com/flood-water-damage.phpfor lots of great information.
Article Source: ArticlesBase.com - Flood Water Damage And What You Can Do About It
Filed under Home Insurance by on Jan 7th, 2010. Comment.