The Season of Rain is Well Underway

  The season of rain is well underway, but it’s still not too late to leak-proof your home to avoid potential damages. It’s estimated that 90% of all residential buildings experience some sort of leak at some time in their history.  Any heavy rain or long rainy period will do; or what if it was an “out of control” sprinkler system. Weather-related water damage costs near $1 billion annually in the United States.  That figure doesn’t consider lesser problems such as water stains or small patches of mold.  So, it’s important to know how to prevent water damage that starts on the outside of your home.  Prevention can be a lot less time consuming than filing an insurance claim. Leak Proof Your Home Keeping rainwater from seeping into your home takes a lot more than a quick look at the roof each fall, but it’s well worth the effort.  Here is our list of some of the most important tips on how to protect your home from water damage due to rain. Clean out your roof gutters.  It’s the spring and fall ritual everyone hates, but clogged roof gutters can be a big problem.  When they are full, they spill water against the foundation, exactly what they were designed to prevent.  Plus, they can cause water to seep under shingles and between cracks in the eaves and trim.  Don’t forget that the downspouts can become blocked with leaves and other debris as well.  If noticeable debris accumulates before the rainy season is over, consider installing gutter guards. Inspect your roof at least once a year. Look for missing, loose, damaged,...

Pre-disaster Planning – Are You Prepared?

Pre-Disaster Planning – Are You Prepared? It is no secret that almost 50% of businesses that sustain a major disaster never fully recover. Shockingly,  most are out of business within two years. Being prepared for a disaster can, and does, make a difference in the final toll that the event will bring. Without proper preparation, you may find yourself facing substantial damages and possibly the loss of life. Whether due to a simple lack of awareness, or a disregard for the possibility of disaster, some business owners instead choose to rely on emergency services alone whenever disaster strikes. This is never a good concept, especially when pre-disaster planning services are available. Businesses and their staff face a variety of hazards: Natural hazards like floods, hurricanes, tornadoes, and earthquakes. Health hazards such as widespread and serious illnesses like the flu. Human-caused hazards including accidents and acts of violence. Technology-related hazards like power outages and equipment failure. Considerations for Disaster Planning The question then becomes one of choosing the best way to actually be prepared. Preparation means different things to different businesses in different locations. In particular, factors that you will need to consider include: Your location, and the prevalence of certain forms of weather or other natural disaster. The environmental concerns of a business operating in Austin, TX are different from one that is in Rhode Island. There are also local concerns, such as bridges, neighboring buildings, and your proximity to industrial facilities which should be considered in the event of a disaster. The type of business that you’re running. Whether or not you have certain hazardous chemicals in site...

2018 Burn it, to Learn it!

 Download Event Flyer Here   2018 Live Burn Event!    WHO SHOULD ATTEND the 2018 Burn Event?  Insurance claims professionals (Agents, Adjusters, managers and Subrogation units), Property and Community Association Managers.   DESCRIPTION From the first notice of a fire loss to the conclusion of the scene investigation, this program addresses insurance adjustment & subrogation issues, legal considerations, cause and origin investigation of a fire loss and much more. A topic loaded classroom program in the morning will move to a live fire burn of two pods. Applying the insurance, legal and investigation issues to a live fire.   TOPICS COVERED IN THE PROGRAM Insurance and investigation team approach for a successful exam. Roles and duties of everyone involved The fine line between mitigation of damages and spoliation. Securing the scene and preservation issues. Avoiding spoliation, bad faith claims and potential sanctions from the fire loss. Legal issues involving the insured, injuries from the fire, renters and impacted third parties. Control and eventual release of the scene. Identifying all potential subrogation targets (known and unknown). Product liability subrogation fire trends. Proper and NFPA compliant notice to parties and others impacted by the loss / protocols. Proper Damage Documentation (adjuster tips for avoiding later deposition challenges). Legal liability – theories of recovery in negligence, contract and product liability. Fire scene safety issues as to adjusters, investigators and all involved. Initial and joint scene examinations of the scene (do’s and dont’s). NFPA 921 / Identifying origin, cause, fire spread and responsibility for the fire. Interactions with government officials and fire departments.   After we learn…..it is time to burn! Live burn...

Emergency Board-up and Roof Tarps- Columbus

Emergency Board-up and Roof Tarps- Columbus, Ohio Storms can cause a lot of damage in a very short amount of time. Roofs can easily be damaged by heavy storms, winds, tree branches, fires caused by lightning strikes hail and improper installation. If any of these unfortunate events create the need for a temporary solution, a roof tarp is a great option and is often the only option until the damage can be fully assessed. Also, keep in mind that water damage can occur inside the home or business during the event. Purpose of Tarping or Boarding-up a Roof: Cover and protect any damaged area of your roof. Keep rodents and other unwanted guests from entering your home or business. Protect your roof from further damage from heavy storms or winds. Prevent further damage while waiting for a roofer or the insurance adjuster. However, and as duly noted roof tarps and board-ups are ONLY a temporary solution. Roof tarps and/or board-ups ARE NOT recommended as a permanent fix to a damaged roof. Tarps will have a shorter lifespan than that of a board-up and should be remedied as quickly as possible with a permanent solution. Board-ups, on the other hand, can last longer but are still considered temporary in nature. Risk Associated with Long-term Use of Temporary Roofing: Mold growth can begin to occur due to the fact that temporary roofing methods are not 100% waterproof – think of them as water RESISTANT instead. Tarps, in particular, are particularly prone to coming loose as winds persist or recur. Due to the lack of being waterproof or insulated, heat loss is...

Wind Damage- Columbus, Ohio

The National Severe Storms Laboratory reports that thunderstorm winds account for half of all severe damage reports in the lower 48, each year. When these gusty winds are around, homeowners lose shingles, lawn furniture goes flying (which can cause all kinds of damage), and even trees can be blown over. Wind destroys roofs and allows water to enter buildings. It is possible for your claim to be denied if you fail to take proper action. Many home and business owners aren’t aware that as consumers and insurance policyholders, we are required to take steps to prevent further damage. This is why you don’t need to get estimates for emergency services. Pick a company, like ResQ24 by Thompson Building Associates, that you trust and get moving quickly. What To Do If You Receive Wind Damage? The ResQ24 team will help you secure your property and prevent further damage. Our team works diligently to minimize your out of pocket by knowing what your insurance company wants and needs and how best to handle the damage. Our goal is to help you, our client, decide whether or not filing a claim is a viable option. If it is possible and the mitigation and repairs are within the client’s budget, you should not file a claim and simply pay it out of pocket (self-pay). If a deductible is $1,000 (typical now) for example and the project is $4,000 then let the insurance do what it is designed to do. Typical Services Provided by ResQ24 Following Wind Damage Events • Removing fallen trees • Removing standing water • Securing your home from further damage...
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