Lansing MI Michigan 48933 Water Damage Restoration black mold removal and remediation
Lansing MI Michigan 48933 Water Damage Restoration, Black Mold removal and remediation advises quick flood water removal service by our flood water damage restoration pros is necessary to prevent flood water damage to a flooded house, flooded building or flooded basement. Our flood damage removal service and water damage removal service includes flood water extraction, flooded crawlspace drying, flooded basement drying, flooded home drying and flooded building drying.
Lansing mi Michigan 48933 Water Damage Restoration and Repair, Black Mold Remediation and removal will remove flood water damaged hardwood floors, flood water damaged carpet, flood water damaged walls and flood water damaged ceilings from the flood water damaged house or flood water damaged commercial building. Our 24 hour emergency flood water pump out service & flood damage restoration service eliminates rust, rot and mold damage from a flooded commercial building or flooded house. Our hi-tech emergency commercial water extraction service equipment is the best in the industry for carpet water removal, basement water removal, crawlspace water removal, cellar water removal, house water removal, commercial water removal, office water removal and building water removal. Emergency basement flood water pump out service will prevent any serious basement flood water damage. Emergency basement water extraction and emergency crawlspace flood extraction is the key to preventing basement mold damage and crawlspace mold water damage.
Watеr dаmаge can be quite disаstrous as it can cause еxtrеmе dаmаgе to the building. During a flооd many unwanted thіngѕ cаn comе іntо уоur home like ѕеwagе, debrіs, chemicals, mud and оthеr types of сontaminants. All theѕe unwanted mаteriаls are dropped аnd lеft behind as the watеr recedes.
Evеn іf thе wаtеr damagеd іѕ cаused frоm a sоurce of clеаn water lіke bаthtub overflow, an unаttended faucet оr a refrigerator wаter lіne break, the water mіxes wіth the dіrt and othеr substancеs on the floor аnd carpets of уour home.Shorted-out electrical systems, ruined carpets аnd soggу drуwаll аre common after-effects of watеr damage, making the mаttеr еvеn worse. If the cleаning work іѕ nоt done in a propеr аnd ѕwift manner, then thе mold wіll likely sprout and cause more damage to уour home.Whatеvеr the cause of the flood, уou must ensure that the affected arеa іs quarantinеd as soon as possible.
Water damage restoration is one of the most rapidly growing and evolving industries in the country. What used to consist of a contractor setting up a few fans in a flooded basement has now become a bonafide science, largely in part to the greater understanding we now have of the serious negative health repercussions that can be caused by mold, mildew, and bacteria growth, and the better technologies available to tackle a water restoration job.
Priority Number One—Dry the Place Out after water damage
Without question, the most important step a homeowner needs to take when faced with flood or other water damage is to waste no time in drying the area out. As has already been mentioned, the old standby of setting up all of your house fans to dry out a flooded basement or structure really isn’t very effective in the long run. It may do a satisfactory job on the surface, but deeper water damage to walls, wood, carpet and furniture, along with insufficient drying, can lead to more serious consequences such as mold and mildew growth, the flourishing of harmful bacteria, and in extreme conditions, actual damage to the structural integrity of the home itself.
Mopping аnd drying уour home іs very impоrtant. The sooner it’s done, the bеttеr. If nеglесtеd, thе wаtеr will sоak into thе carpets, walls and floors making іt an ideal еnvironmеnt fоr mold to flоuriѕh. It’s advisable that you use рroреr protective clothing like glovеs and a brеathіng mаѕk. Thіs ѕhould be donе to avoіd sprеading disease due water contaminated wіth sеwagе or chеmicals.
Dependіng on the level of damage cаused, you may need to remove the carрets оr furniturе. For inѕurance purpоses be sure to lіѕt anу gооdѕ you have to dispose of. You must clean аll items in your home that hаvе сomе into contact wіth water. Elеctronics devices might not wоrk properly again ѕо it’s better іf you replaсe them.
It iѕ recommended thаt yоu hire profеssionals who аrе expert іn handlіng аll types of wаtеr damage. The professionals will uѕe vаrious tools and techniques to clеan your house in the right wаy. If you are ѕearching for professional еxpеrt in handling water damage repair.
In order to combat all these harmful possibilities, the best thing you can do is to call in a licensed water damage restoration specialist to tackle the job. These professionals are well-schooled in all the latest methods of water damage restoration, and they have access to the most cutting edge technology available to dry out your home and prevent harmful fungi and bacteria from getting a foothold.
Whеrе there is watеr damage the safety оf уour fаmilу should be given high priority. Ensure that аll the main power switches arе turned off and аrе not in contact wіth the watеr. It’s recommended that you shоuld leave affeсted until the water іѕ rеmovеd completelу.
What to Expect with a water damage restoration project
With any restoration project, expect a full on assault on your affected area from the get-go. A good restoration specialist will set up dehumidifiers, air purifiers, blowers, fans, and special floor driers and cleaners to quickly and efficiently dry out your water damaged home. Besides these standard steps, and depending on the extent of the damage, your technician might also employ the use of wall driers, sanitizers, and mold and mildew remediation techniques and equipment to ensure that what is already a bad situation doesn’t get worse over time. The water damage restoration cost is far less than what permanent damage results in.
Water Damage Restoration In the Long Run
The full extent of the steps that need to be taken could be much greater, however. Depending on the amount of water that caused the damage and the duration of time that passed before a restoration crew was called in, you may be looking at a much larger project. Crawl spaces, ductwork, ceilings and insulation may also need to be attended to, and if there is severe damage to drywall, carpet, or structural aspects of your home, you may be looking at a larger home renovation project altogether. If this is the case, contact a general contractor after your restoration work is done in order to get your house back in working order as quickly as possible.
Please Advise water damage restoration needs to be take serious
Water damage is not a problem where you want to cut corners or wait to address. Tackle these homeowner nightmares by calling a water damage restoration company immediately in order to ensure that neither the structure of your home or the health of your family is compromised. With the help of a qualified specialist, you’ll fast be on track towards restoring your home back to its original condition. Click for some tips for preventing the same misfortune in the future.
Repairing water damage can be very expensive depending on the location and extent of the damage. Costly damage occurs when water comes in contact with wood, sheetrock, fabrics, or other biodegradable material like paper or cardboard. Left untreated these develop mold, causing other health and safety issues. The most important aspect of repairing water damage in your home is to catch it as early as possible.
Preventing water damage
If you don’t yet have any water damage problems, stopping one before it begins may be your best defense. It may cost you money up front but will save you countless dollars in the long run. Think about varnishing wood surfaces, installing sealants around your doors and windows, looking on your roof for holes, and checking your pipes regularly for leaks or rust to prevent water damage.
Common causes of water damage
The most common causes for water damage are:
- Leaky roof
- Burst pipe
- Faulty window and door installations
- Broken or leaking water lines
- Leaky toilet
It’s important to keep an eye out for these causes so you can catch them early on and avoid expensive water damage to your home.
Tips To Avoid Water Damage
Most Homeowners insurance policies cover basic water damage claims up to the purchased limit.
But you know what’s a lot easier than going through the claims process? Preventing the water damage in the first place!
Check out these 5 suggestions for preventing water damage:
1. Be careful where you plant
Some plants and trees, like weeping willows, have pretty invasive roots. If you’re not careful, they’ll grow right into your sprinkler system, drainage field, pipes, and septic tanks. Plan before you plant to keep roots away from any water lines.
2. Clean out roof gutters
You know it’s on your to-do list anyway, so if you can, take a safe climb up to your roof next Sunday and check out your gutters. If you’re seeing lots of leaves, birds’ nests, sticks, and whatnot up there, your gutters may not be doing the job you hired them for. And on a rainy day, a clogged gutter can send water spilling into your home’s foundation, through the roof, or down to your basement. That could cause some serious water damage! So next time you’re doing some seasonal cleaning, make sure those gutters are clean. And if your gutters are too high, be safe and get a professional to check them.
3. Keep an eye on your water bill
With so many water pipes hidden behind walls and in the floors in your house, you might not know there’s a leak until the damage is done. That’s why it’s a good idea to keep a close eye on your monthly water bill. If you see it starting to creep up, or get one that’s uncommonly high, it’s a pretty good sign that you may have a leak somewhere.
4. Use a drain snake instead of unclogging chemicals
No matter how crazy clean you are, from your shower to your kitchen sink, clogs are going to happen. And chances are at some point in your life you’ve used one of those powerful chemical drain cleaners to get things moving again. But as convenient as they may be, most folks don’t realize those caustic chemicals are also eating away at their pipes (and they might not be too good for you either). If you rely on them a lot, you could be setting yourself up for leaks. That’s why owning a drain snake is a good solution to clear away clogs. They’re pretty inexpensive, you can get them at your local hardware store, and they can cut through most any clog you’ll have without damaging pipes or making your eyes red and teary.
5. Never pour grease down your sink
You’ve probably heard this before, but you should definitely avoid pouring grease down your kitchen sink. It doesn’t matter if you flush it with hot or cold water. It can still congeal and cling to your pipes, and could still cause some serious damage and blockage.
Water Damage Restoration Insurance
Most homeowners’ insurance policies will cover water damage as long as the damage is caught soon after it occurs. If the insurance company can prove negligence on the part of the homeowner, then they can refuse to pay. Report leaking roofs and pipes as soon as you discover them so your insurance will cover the damage.
Black Mold Removal And Remediation
Mold and mildew are among the biggest and worst damages by water. Mold grows often where it can’t be seen, such as the corners of basements, under rugs and carpets, and between walls and baseboards. By the time you find it, there might be extensive damage to your home, not to mention your health. If you think you smell mold, call a mold specialist or water damage restoration company immediately. They can provide industrial strength fans and dehumidifiers to dry out the mold in your home.
Water Damage Restoration Cost
The average cost for water damage restoration was $2105. The the low being $450.00. Most homeowners spent between $1040 and $3,416 for water damage restoration.
Water damage restoration is the process of restoring a property back to pre-loss condition after sustaining any level of water damage. The Institute of Inspection Cleaning and Restoration Certification (IICRC) and the RIA, do recommend standards of care. Most companies use the IICRC procedural standard, which is the S500. It is based on reliable restoration principles, research and practical experience with extensive consultation and information gathered from numerous sources. The IICRC S500 provides a specific use of practical standards for water damage restoration.
Water damage restoration is a multi-step process that should be handled by an experienced, certified, licensed water restoration contractor. Every water damage event is a little different, and requires a unique solution, but the general process stays the same.
Emergency Water Damage Restoration Company
This initial contact is an important part of a fast, effective restoration. An immediate call should be made to a professional emergency water Damage Restoration company.
Busted water pipe. Overflown sink. Torrential rain. Flooding. Sewage backup. They all likely lead to the same result: water damage. Water damage can wreak havoc on your home if proper water removal and drying doesn’t become a priority after it’s discovered. While you likely already know the importance of proper water mitigation following a water loss, there’s still a lot that may surprise you about water damage situations. With that in mind, here are some essentials you should know about water damage remediation:
- The more polluted the water, the worse your situation. The Institute of Inspection, Cleaning and Restoration Certification (IICRC) classifies water into three categories in its S500 Standard: Category 1, Category 2 and Category 3. Category 1 is generally sanitary water, Category 2 is significantly contaminated water, and Category 3 is grossly contaminated water. The category of water on any loss will dictate how it’s restored as well as how much can be salvaged.
- Mold can begin to grow within 48 hours. All it needs to thrive is spores, a food source (i.e. wood, drywall, etc.), the right temperature (i.e. high humidity) and moisture. Mold doesn’t just have the potential to be debilitating to your home’s structure, but to your health as well.
Mold actually needs 5 perfect conditions to grow in 48-72 hours
- Food source
- Prime temperature
- No/minimal air movement
- No/minimal light
- Fast action is crucial. Whether you’re experiencing residential water damage or commercial water damage, in order to begin processing an insurance claim, your agent needs to know about a water damage situation immediately. The agent needs to know what happened, how it happened, the source of the water, etc. The longer you wait, the worse the situation gets — not to mention, your chances of having a “sudden damage” claim approved begin to dwindle.
Emergency Water Damage Restoration Services
It’s also worth emphasizing how important quick response time is; and that’s where a water damage restoration contractor can help you in your time of need. will arrive on scene within two hours of receiving your call and get to work, first inspect the property for safety concerns, develop a structural drying plan, pump and/or extract all water, set up the appropriate equipment to dry the affected area, etc. contractors use industry proven water mitigation and drying techniques to efficiently remove moisture from deep within the floor, walls and even the hardest-to-reach areas of the home. It’s this fast response time, proven water damage mitigation techniques and cutting edge equipment that help result in lower repair costs and/or limited contents damage.
Initial Inspection of the Asset
A certified water damage technician will do an initial assessment to determine the appropriate action needed to reverse the negative effects of the water damage. Once completed, if there are no safety hazards, contents are secured if needed and restoration begins.
Extracting all the water present is the initial and important step to begin. All wet materials on the floor i.e. throw rugs, pillows, clothing, toys, are removed from the affected area. Once water is extracted, if needed, technicians will begin to remove any wet surfaces on walls, ceilings, or floors to help expedite the drying. Baseboards are sometimes removed and any non-salvageable drywall and non-salvageable wet insulation is removed. Cabinet drawers and doors are opened and toe kicks may be removed to accelerate drying. (Depending on the extent of the damage, cabinets may need to be replaced). Every wet surface will need to be treated.
Stabilizing and Drying To Prevent Mold Growth
After extraction and the removal of all wet materials, the drying process begins. Commercial grade equipment is used in this process which can include air movers, dehumidifiers, wood floor drying systems, and heaters to generate dry air and increase air circulation and evaporation. During the drying, the environment is carefully monitored each day and the progress results are documented. Moisture control is absolutely crucial in preventing mold growth. Normal drying time is usually 2 to 4 days depending on the scenario and materials impacted.
Re-assessment of the Water Damage
After structural drying is completed, certified technicians will conduct another inspection to assure there are no hidden pockets of moisture, that could result in further water related damage or mold growth.
Reconstruction After Water Damage
Once the water damage has been mitigated, and the structure has been returned to a dry standard, if structural damage and other building materials need replacement reconstruction is the final step in the restoration process. By the end of reconstruction, your dwelling should be safe, healthy and returned to its pre-damaged state.
A professional water damage restoration service will document the materials which were affected by the water damage and refer to industry standard pricing guides in order to determine the proper value of the residence’s materials lost and their service.
Water damage services include the inspection of the affected area with water sensing equipment such as probes and other infrared tools in order to determine the source of the damage and possible extent of area affected.
Black Mold Removal and Remediation
Michigan water damage restoration mold removal and remediation
Lansing mi Michigan 48933 Water Damage Restoration , Mold removal and Remediation
understands a complete inspection of the mold damaged building or mold damaged house determines the method of the mold remediation service.
Lansing mi Michigan 48933 Water Damage Restoration and Repair, Mold Remediation Repair uses a safe enzyme product to treat microbial growth. Mold damage items are removed and a bio-washing of the sub floor must be done to prevent future mold cleanup service. Our hi-tech emergency commercial mold removal service equipment is the best in the industry for house mold removal, commercial mold removal, building mold removal, basement mold removal and crawlspace mold removal. Our mold removal equipment treats the air, surfaces, wall cavities & HVAC systems.
Lansing mi Michigan 48933 Water Damage Restoration and Repair, Mold Remediation Repair. Adheres to strict guidelines during mold remediation service and mold restoration service. All of our contractors are trained and equipped with personal protective gear. Mold contaminated areas are mapped out through mold inspection and mold testing and then a mold restoration plan will be finalized. Areas that need mold containment will be sealed using thick 6 mil poly sheeting. Air scrubbers and negative air machines with hepa filters will be used during demolition service and mold removal service to clean the air. The entire mold contaminated area will be HEPA vacuumed . Emergency mold removal & emergency mold clean up by Michigan Water Damage Restoration and Repair, Mold Remediation Repair.
About Black Mold
Stachybotrys chartarum is the type of mold often called “black mold” or “toxic mold”. Sensational news reports warn about the dangers of black mold and these stories can be alarming and confusing. Any mold in your home should be treated with caution – stay out of affected areas and don’t touch or disturb the mold. Learn about and view pictures of black mold to help you identify and prevent toxic black mold.
Sinister-sounding and potentially dangerous, toxic black mold can strike fear in the heart of any homeowner. But by being able to identify black mold and understand how to prevent and control its growth, you can help to keep your home free of toxic black mold.
Black mold is most likely to appear in areas of the home that are particularly warm, humid and damp. Basements or crawlspaces that may have leaks or other sources of moisture are often susceptible to toxic black mold growth. Black mold is readily identifiable by its color. Whereas most other molds are green or gray in color, toxic black mold is a dark black.
Black mold can cause an array of allergic reactions and health problems. In most cases, depending on the length of exposure and the number of spores inhaled, symptoms can include chronic fatigue or headaches, fever, irritation to the eyes, mucous membranes of the mouth, nose and throat, sneezing, rashes, and chronic coughing. In cases of prolonged or severe exposure, or cases exacerbated by an allergic reaction, more extreme symptoms can present, including nausea, vomiting, and bleeding in the lungs and nose
To guard against the health risks associated with black mold, preventing and controlling mold growth in the home is the best defense. Treating areas of existing mold growth should always be done while wearing a respirator or mask rated for work with mold spores, and arms, legs and hands should be covered to prevent an allergic reaction.
Toxic black mold can cause health problems and damage to homes, but understanding how to prevent, identify and eradicate black mold will give you the tools to keep your home free of this toxic species of mold.
Black Mold Removal and Remediation
A water-damaged building requires special attention to avoid or correct a mold explosion. Molds produce spores that spread easily through the air. They form new mold growths (colonies) when they find the right conditions: moisture, nutrients (nearly anything organic) and a place to grow.
Mold can damage materials and health. The longer mold is allowed to grow, the greater the risk and the harder the clean-up. So as soon as the floodwaters recede and it is safe to return, don’t delay clean-up and drying. Depending on the extent of the water damage, you may be able to take care of it yourself. Small water problems call for basic do-it-yourself tips, like drying out the area and using products that are specifically designed to destroy mildew. Fans directed at the wet area can help it dry quickly and efficiently. So can running the heater in the house, because it dries out the air. You can also try using a hair dryer on the area if it’s a small space, so you can dry out the carpet, baseboard, or drywall.
There are products designed for protecting an area from mold and mildew, as well, including sprays and paints. Even if you dry out the area thoroughly, you’ll still want to consider using one of those products to make sure you don’t let mold start to develop. Repainting the area with a mold-stopping paint can be a good plan, depending on the size of the area. You can always do that, allow it to dry, and repaint over that with a colour that matches the room. For very small areas, or for treating carpeting and soft furniture, there are anti-mold sprays that can be purchased and used to stop mildew growth.
Hire a Professional Mold Removal And Remediation Specialist
If these things aren’t enough, they don’t seem to do the job, or the area is very large – such as your house getting flooded – it may be in your best interest to hire a professional restorer. A mold remediation specialist can make sure that any problems are resolved before they get started, or can treat them once they develop. It’s better to catch mold problems early, but a professional can treat advanced issues, as well.
Black Mold Symptoms
Mold growth is a significant occupational safety and health issue. Its assessment identifies the location and the extent of mold in an indoor environment before effective and appropriate remediation. Mold, which may be visible or hidden, has a number of effects on health
Black Mold in your home can cause symptoms such as
Runny or blocked nose
Following are the ways we can identify mold exists in our house
Humidity – Humidity level above 60% can lead to mold growth
Leaking Roof or Attic
Mold Removal and Remediation Cost
Mold removal can be a tricky and expensive business. Here’s what to expect when considering the cost of mold remediation for your home.
If mold removal were as simple as Kung Fu fighting, then there’s no doubt about it, you would have it nailed. But, unfortunately, cost is a large factor when considering mold remediation and the size of your bill often depends on the extent of the infestation.
The good news is that if the area is small, then you can typically treat it for a small investment in some solid cleaning supplies, like a scrub brush, store-bought mold killer and rubber gloves.
However, for large areas, you may be calling in a the bug guys. The remediation cost will be larger, but it’s worth it to ensure further damage is not done to your home. Mold remediation specialist will inspect ductwork, attic spaces, walls and even crawlspaces. The cost can average anywhere from $500 to $6,000 and is hard to identify until the entire scope of the infestation is considered.
A great thing to consider when purchasing the insurance that comes along with buying a home is some type of protection from mold. Discuss your options with an agent. That way, if a problem should arise within your home, then your insurance will help to at least partially offset the cost of mold removal.
Fire Damage Restoration
Fire damage restoration is a process that begins as soon as the authorities say the property is safe. Smoke is an acidic byproduct of fire capable of corroding and staining surfaces such as walls and counters. In some cases the steps taken to put out the blaze can cause more damage than the actual fire. This is why proper fire restoration deals with heat, smoke and water damage.
If a fire has occurred at your home or property, chances are the damage is serious. Fire can cause minor smoke damage, or can completely engulf an entire structure. Although this can be a stressful time Fire Damage Restoration can take care of returning the property to a safe, inhabitable, state.
Fires can be especially devastating to your home or business in more ways than one can imagine. Firefighting efforts can result in widespread water damage and flooding. Smoke from even a small fire can travel to hidden areas within your home or business. Areas outside the visible fire damaged area.
Our specialized fire and water damage restoration training and experience will aid in quickly cleaning up and restoring your home to pre-fire condition. Removing the pervasive smoke odor and deep-clean soot from upholstery and carpet. View our tip on “what to do” below until help arrives.
Fire Damage Insurance
Your house is probably the most valuable asset you have, and you have homeowners insurance to help protect you and your house in case something unfortunate, such as a fire, should happen. From electrical issues to candle mishaps, the National Fire Protection Association reports an average of 357,000 residential fires each year. Being prepared is a good idea — and that includes knowing what your insurance policy covers and how much protection it may provide.
What is Covered?
Homeowners insurance typically provides protection for your home and belongings. Most policies include the following coverages, which may help protect your home and its contents if they are damaged by fire.
Dwelling coverage Homeowners insurance typically includes coverage for the structure of a home as well as attached structures, such as a garage. If you leave a potholder too close to the stove and it starts a kitchen fire, the cost of repairs would likely be covered. Should your home be uninhabitable during repairs or while being rebuilt, the Insurance Information Institute (III) says homeowners insurance typically provides coverage for additional costs of having to live away from your home, such as hotel costs and restaurant bills.
Detached structures. Commonly called “other structures coverage,” most homeowners insurance provides coverage for structures on your property that are not attached to your home, such as sheds, detached garages and fences.
Personal property. Homeowners coverage usually extends to your personal belongings, such as appliances, furniture and clothing. Homeowners insurance typically helps protect personal belongings, from specific risks (described in most policies as “perils”), such as fire and lightning strikes. If your belongings are damaged or destroyed in a fire, homeowners insurance may help cover the loss.
Additionally, a standard homeowners policy likely offers some coverage for landscaping as well, states the III. If a fire on your property destroys a tree or shrubs, you may be reimbursed for some or all of their value.
There is no one-size-fits-all formula when it comes to choosing your limits, which is the maximum your policy will reimburse you after a covered loss. You can set your coverage limits based on factors such as the value of your home and belongings.
Personal property. If you think you may need more coverage to replace your belongings in the event that they are damaged by fire, you may want to increase your limits for personal property. Keep in mind that your policy may offer lower coverage limits for certain items, such as jewelry. You may want to consider purchasing additional coverage to help protect those items.
Dwelling coverage. The cost of rebuilding after a fire may not be equal to the price you paid for your home, as construction costs and home values fluctuate. It’s important to consider what it may cost to rebuild or repair your home at current rates.
Having smoke detectors and fire extinguishers in your home are certainly a smart way to help protect yourself from fire. Homeowners insurance can also be a great way to help protect your home and belongings should a fire should strike.
Flooding and Storm Damage Cleanup And Restoration
As a leader in storm and water damage restoration, Michigan water damage restoration has the specialized training and expertise to restore your home back to its pre-storm condition. Our restoration process puts an emphasis on scientific drying techniques, progress monitoring and documentation.
Michigan water damage restoration and disaster clean-up company responds to the recent disaster in Michigan by sending a crew and equipment. Michigan water damage restoration specializes in flood, fire and smoke damage and other restoration services
We provide 24-hour emergency service to the entire state of Michigan. We are dedicated to being fastest to respond to any size disaster. We can respond immediately to your water or fire damaging emergency and have the expertise to handle your restoration or cleaning needs.
Post-emergency actions will initially focus on those minimum essential efforts needed to protect personnel, prevent further damage to facilities, secure property, restore campus utilities and open key access roads. Permanent repairs, detailed clean-up and restoration work will be undertaken as resources become available.
Flood Insurance Coverage
Flood insurance is one of those things you might not think about , until you’re knee deep in muddy water in your living room.
At that point, it’s too late. You’re left with moldy furniture, ruined flooring, and probably a big replacement cost.
You’re not alone though. 87% of homeowners don’t have a flood insurance policy.
Many of us have common misconceptions about flood insurance. So let’s clear some of those up:
Misconception #1: You don’t need flood insurance unless you live in a flood-prone area.
Not true. Your property may be at risk. Heavy rainfall, melting snow, or tropical storms can all cause flooding, and floods happen more often and in more parts of the country than you think.
Granted, some areas (coastal cities or towns that get pummeled by hurricanes) are more vulnerable to floods than others. But just because you haven’t been hit by floods before, doesn’t mean you never will.
It’s a good idea to look into flood insurance no matter where your home is located — whether that means you live in an area with little rainfall, miles away from swelling rivers and lakes, or in a zip code that falls safely outside a flood zone.
In fact, over the last 5 years, all 50 states have experienced floods or flash floods.
Misconception #2: Homeowners insurance covers flood damage.
Not true. When it comes to your typical condo or homeowners insurance policy, all types of water damage are not covered.
While most homeowners insurance policies may cover water damage from a burst pipe, flood damage is not usually covered.
Understanding Flood Risks and Insurance Requirements in Your Area
You may not realize it but even a minor flood can cause serious property damage within a matter of minutes. Actually, floods destroy or damage more homes than any other weather catastrophes in the United States.
Depending on where you live, your flood risk can be high, moderate or low, and your insurance rates and requirements are decided based on your flood zone:
- High-Risk Areas
There’s a 1 in 4 chance that a home in a high-risk zone will flood. That’s why homeowners in these areas are typically required to carry flood insurance by their lenders. Usually, they qualify for a Standard Risk Policy.
- Moderate-to-Low Risk Areas
The threat of flooding in these areas is not as high.Even so, flood insurance may be something to consider, because residents in these areas have filed about 25% of all National Flood Insurance Program claims. Usually, homeowners in low-to-moderate risk zones can qualify for a low-cost Preferred Risk policy.
If you’d like to learn more, you can assess your neighborhood’s flood risk by using the FEMA Flood Map Tool. However, your Farmers agent is a great resource to help you:
- Evaluate your property’s flood risk.
- Find out which flood insurance policies you’re eligible for.
- Get covered the way you want, if you’re a condo owner or renter.
- Make an informed decision on flood insurance and understand what it covers.
Storm Damage Insurance
You purchased homeowners insurance to help protect your home and yourself just in case something goes wrong. But does that include coverage for when Mother Nature strikes, whether it’s an ice storm or a fallen tree? The answer depends on the situation. Here’s a look at what homeowners insurance may and may not cover if bad weather strikes.
What is Typically Covered
Be sure you understand what is included in your coverage. Talk to an agent if you have any questions, want to make updates or would like to know if any additional coverages are available.
Water and Ice Damage
Whether it’s a thunderstorm in the spring or a roof covered in ice, water can damage a home. While ice and hail damage are typically covered by homeowners insurance — up to the limits stated in your policy — coverage for water damage varies, depending on the cause. You may find homeowners insurance helps protect you if a frozen pipe bursts in your home. But homeowners insurance does not cover flood damage, whether it’s caused by a rain storm or overflowing river. Review your coverage before you’re all wet to see what your policy covers, and talk to an agent about whether flood insurance, which is sold separately, makes sense for you.
Damage caused by an earthquake or earth movement is typically not included in homeowners coverage. However, earthquake insurance may be available as a separate policy. An agent can tell you if this coverage is available in your area.
Lightning Strikes and Power Surges
Should lightning strike your home or another structure covered by your policy, the resulting damage, such as fire or smoke damage, is typically covered by homeowners insurance. Some policies also provide coverage for power surges and outages that are the result of a lightning strike, such as damaged electronics or appliances. As with any coverage, limits will apply. Check your policy or contact your agent to learn the types and amount of coverage it provides.
Tornado,Wind, Hail and Fallen Trees
If a strong storm roars through, you may find your siding damaged by hail and shingles that the wind ripped off the roof. Whether from a tornado or from just high winds. Homeowners insurance typically covers wind damage. Coverage also usually includes damage from hail, wind-driven rain or snow that gets inside the home when a roof or wall is damaged due to wind. Most policies also offer some coverage for fallen trees that damage your home, provided the tree broke because of a storm or wind.
Be Prepared For Storm Damage
While homeowners insurance may help provide protection against the unexpected, it’s a good idea to be prepared ahead of time. Taking measures to help prevent or minimize damage from bad weather or a harsh winter may save you a lot of time, energy and money.
About Lansing Mi Michigan 48933
Lansing MI Michigan 48933 is the capital of U.S. state of Michigan. Located mostly in Ingham County, although parts of Lansing extend into Eaton and Clinton counties. The 2010 census placed Lansing mi Michigan population at 114,297.
Long before Lansing became Michigan’s capital city, the region was unsettled, full of dense forests and abundant wildlife. The only occupants were Native Americans who survived by living off the land along the state’s longest river.
In the winter of 1835, two brothers from Lansing, New York plotted the area just south of downtown Lansing, naming the territory “Biddle Town.” Most of this land was in a floodplain and underwater for much of the year. Despite the condition of the land, the brothers returned to New York to sell the plots to unsuspecting individuals wanting to test their fortunes in a new land. The group of settlers arrived to Mid-Michigan only to find their plots submerged under several feet of water. Nevertheless, many in the group chose to stay and established what is now Metropolitan Lansing. They christened the town “Lansing Township” after their home village in New York.
In 1847, the sleepy settlement had fewer than 20 residents when the state constitution mandated that the current state capital relocate from Detroit to a more centralized and protected location. The state legislature determined that Detroit’s proximity to the border made it vulnerable to invasions by British forces in Canada. There was also concern that the large city would hold too much influence over state politics.
Unable to agree upon a suitable location for the new capital, the Michigan House of Representatives eventually settled on Lansing Township out of sheer frustration. The state renamed Lansing, after John Lansing, a New York patriot and one of the official delegates to the Constitutional Convention.
The small village quickly expanded in the years following the repositioning of the state’s capital. The Michigan Agriculture College in East Lansing and the Michigan Female College opened. The Agricultural College, established in 1855, is the first land grant college and oldest agricultural teaching center in the nation. These educational institutions would ultimately combine to become Michigan State University.
By the time the city was incorporated in 1859, Lansing had nearly 3,000 residents. The city continued to grow steadily during the next two decades, adding a city-wide rail system, plank road, and the current state Capitol building.
The land had been a farm for decades before its owner sold it to Standard Realty and the Dyer-Jenison-Barry Land Co. All that remained was an old cattle barn, according to author Birt Darling in his history of Lansing, “City in the Forest.” This new development became a pseudo-suburb – new homes built on former farmland, yet within walking distance of the Capitol.
Throughout the remainder of the century, Lansing developed as an industrial powerhouse. The city’s transition to manufacturing began in 1897 with the founding of the Olds Motor Vehicle Company by R.E. Olds. Lansing soon emerged as a major American industrial center for the manufacturing of automobiles and now produces more cars each year than any other city on the continent. Today, the city’s economy is diversified among government service, healthcare, manufacturing, and education.
With a booming economy and a diversified population of more than 500,000, the greater Lansing area honors its humble beginnings while embracing the changes of the future.
- Lansing School District
- Lansing Catholic High School
- Lansing Christian School
- Lansing Community College
- Michigan State University
Chamber of Commerce
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