Water Backup Coverage in Columbus, Ohio

The Importance of Adding Water Backup Coverage to Your Insurance Policy Whether it’s a sump pump failure or a clogged drain, water backup is one of the most common types of losses. Do you know how your homeowner’s insurance would respond? A standard homeowner’s policy provides coverage for accidental discharge or overflow of water from plumbing, heating, and air conditioning as long as it originates on the premises.  For example, if your shower drain clogs and causes an overflow, you would have coverage for the resulting damage. Imagine heavy rains causing the sewer line to back-up into your basement. Coverage is specifically excluded for off-premise backups unless you have the water back up of sewer and drains endorsement. A water back up endorsement removes the exclusion for overflow and discharge from sump pumps. It also increases coverage to include backups that originate off premises. The endorsement generally includes several limit options ranging from $5,000 up to the full dwelling amount Damage from unresolved maintenance issues: While your insurance will probably help cover the cost of replacing or repairing a damaged floor if your dishwasher suddenly goes on the fritz, coverage generally will not kick in if the damage results from an unresolved maintenance issue, such as continuous leaking near a faucet or other plumbing fixture. Replacing or repairing the source of the water damage: Most insurance policies will not cover the source of the water damage. So while your policy may cover the cost of tearing out and replacing that damaged floor, you shouldn’t expect it to cover the cost of replacing your broken dishwasher or washing machine. Backup...

Water Backup as Snow Melts

  Water Backup and Flooded Basements Can Occur From Melting Snow Did you know- Melting snow is the equivalent to heavy rain? Just like rain, melting snow is precipitation. If you have 4-5 inches of heavy, wet snow, that is the equivalent to about one inch of rain. How much snow do you have in your yard? Is your foundation and basement at risk  for a water backup as the temperatures warm over the next several days? One inch of melting snow can produce 2,700 gallons of water per acre. Even a minor snowmelt could potentially leave thousands of gallons of water around your home or businesses foundation. Because the ground was already saturated with the melting snow of a couple weeks ago, there is a rise in the height of the water table and an increase in the amount of hydrostatic (water) pressure against the foundation. The foundation of your home is warm and so the soil thaws and allows the flow of water into the soil around your foundation. Inevitably, some of that water is going to find its way down your foundation walls and ends up in your basement. This can lead to overworked sump-pumps, flooded basements and water back-up issues in your home. If you experience water back-up issues as the temperatures warm over the next few days, call the professionals at ResQ 24 by Thompson Building Associates. Our team is available 24/7/365 and you will never need to leave a voicemail. Our team knows the importance and urgency of restoring your home and valuables as quickly as possible. 24 hours, 7 days a week,...

Electrical Safety Following Water Damage

Electrical Safety Tips After any type of water damage, everyone is in a hurry to get things cleaned up and back to normal. From electrical fires to electric shock and even death, the dangers associated with live electricity during and following a flood should be taken seriously. While any disaster can cause electrical safety hazards, the mixture of water and electricity is very serious. Whether caused by a natural flood event or a water leak in your home or commercial building, any flooding incident requires specific safety precautions. ResQ 24 by Thompson Building Associates would like to offer these tips for keeping you, your family and employees safe. Electrical Safety during a Flood Among all the risks posed by flooding, the dangers associated with your electrical system are some of the most severe. It is important to treat all electrical appliances, equipment, and outlets with caution. Keep these electrical safety tips in mind whenever you’re dealing with an active flooding situation: Never step in standing water that covers electrical outlets or devices – the water could already be charged with a deadly amount of electric current. Do not enter a room if you hear popping or buzzing. Do not enter a room if you see sparks. If you see downed power lines, avoid them, and notify your local power provider immediately. Be on alert for an acrid or burning-plastic smell, which could indicate an electrical fire. Do not attempt to operate electrical equipment or appliances that have come into contact with water until a certified electrician says that it is safe. Follow all safety precautions from the Electrical Safety...

Fire and Smoke Damage in Columbus, Ohio

  Smoke and Fire Damage Unfortunately, there is more than just smoke damage after a fire. Smoke and water damage, are issues that must be addressed. Without proper cleaning techniques and the right equipment, it can be very difficult to restore a home or business after it’s been damaged in a fire. If not properly mitigated, this damage can cause lasting structural and possibly health issues in the future. That is why it is always best to call in a professional restoration company. What is Smoke Damage?  Smoke damage is both the odor and physical residue left behind from all of the materials that burned. Wood, fabrics, plastics and other materials produce a variety of odors and residues when burned. Different cleaning products and techniques are needed to thoroughly and safely remove smoke damage. Items that are commonly affected by smoke damage after a fire are:  Walls Ceilings Window treatments Clothing Furniture Jewelry Artwork Books and photographs Electronics Documents Photographs If left untreated, this damage can leave behind unsightly stains, discolorations, corrosion and permanent damage.  Tips for Filing Fire and Smoke Damage Insurance Claims  If you experience damage, here are a few tips for starting the restoration process: Call your insurance company or agent immediately following a fire. Do not wait. Review your homeowner’s or renter’s insurance policy. If you do not have a copy of your policy, your insurance company or agent can provide another copy. Look on the declarations page for information regarding your policy’s coverage, deductibles, limitations or exclusions and if there are any filing deadlines. If possible, take photos or video of the damage. Try not...

When Frozen Pipes Thaw

Above Freezing Temperatures Could Cause Big Headaches from Frozen Pipes As the weekend draws near, a little relief of frigid temperatures is in sight as we will see a few days with above freezing temperatures. While most of us will enjoy this, this is also a time when frozen pipes will begin revealing themselves. The sustained cold conditions that we’ve experienced have left many homeowners with frozen pipes. We want to remind everyone that frozen pipes now could result in a problem in the future. When pipes freeze, it is a headache and inconvenience all on its own. As the water freezes, it expands and can often split or break the pipes. The problem comes when they thaw. As pipes begin to thaw, the water forces through at full-pressure. This can cause bursting pipes that could be in your attic, walls, ceilings, crawl spaces and basements. If a pipe in your home has already frozen, but has not yet burst, you may still be able to thaw the water and avoid any permanent damage. If only a tiny trickle of water comes out of the faucet when you turn it on, then chances are, the water inside is frozen. Here are some steps you can try to get the ice to melt. Keep your faucet open and uncovered. Apply heat directly to the pipe. You can use electric heating pads or towels soaked in hot water, applied directly to the outsides of the pipes. Space heaters and hair dryers can also be used to blow hot air onto them, under no circumstances should you try to use an open...
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