Recent Fire Damage Posts
The Types of Fire Damage Insurance Will Not Cover
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Not all fire damage is covered by home insurance. Insurance companies figure out the cause of the fire and evaluate any special circumstances. Your home in Denver, CO, can be denied coverage if it is classified under any of these criteria. Understanding the process for a home fire insurance claim will allow you to know when to not expect compensation.
What Is Typically Covered?
To know the types of claims that are denied, it should be understood what are typically accepted claims. Insurance policies cover events that are caused by one of many usual causes:
- Cooking flames spreading
- Candles gone awry
- Defective appliances
- Electrical malfunctions
- Any other fires caused by accident
While these sources are covered, it is important that the fire is also unintentional.
Intentionally Setting a Fire Puts Your Compensation in Flames
While it may seem like a smart move to burn a house down to start anew with the compensation, it will not work. Because of this possibility, insurance companies will send a professional team to investigate damaged property to piece together what happened. If the insurance can determine that a home fire was set intentionally, a claim will be completely denied.
Not only is the insurance claim denied, but arson is also a prosecutable crime that additionally puts property owned by others at risk. When the money never comes, potential fines from convictions and civil lawsuits from neighbors hurt even more.
A Vacant Residence Means No Coverage
If a house has been uninhabited for a length of more than a month, it is considered vacant. With typical coverage, a vacant home fire is not covered if the insurance company can prove the home was unoccupied for an extended time. There are, however, special plans that cover properties that are uninhabited for a long period.
Restoration Regardless of Coverage
Even in cases where insurance decides to not offer compensation, fire damage to your home and property can be cleaned by consulting a professional fire cleanup company. Regardless of your insurance claim, a home fire doesn’t have to claim all of your property.
How to Handle Electronics After a Fire
Check your electronics if they have been exposed to fire.
After a Fire, How to Handle Electronics
After a fire has occurred in your Denver, CO home, it is imperative for restoration efforts to begin right away. What about electronics, though? Even if your electronic devices were untouched by fire, did you know that they could still be harmed by smoke damage? Here are the two things to remember when it comes to technology during a fire cleanup:
1. How Electronics Are Damaged
Smoke can permanently damage electronics. At first, it may not seem obvious as to how, but here is what happens when smoke makes its way into your device: keep in mind that technology produces heat, and when smoke covers a device, it can be prone to overheating. If you know about electronics, then you know how damaging too much heat can be. Smoke can filter into the inside of devices and create a black film. The circuits may then be short due to the trapped heat inside. Not only is this a fire hazard, but it can leave irreparable damage to your belongings.
2. How Electronics Are Restored
Fire cleanup and restoration of electronics have to happen, and a specialist should be the one to assess them. You should never put yourself in any danger with safety hazards, and electronics that were damaged are just that. Smoke can corrode internal components and cause failure. You should not handle any device until you have had it looked at by a professional. This means no testing devices, and no shutting them off. Always have someone with the knowledge to do so.
After a fire, you have a lot to worry about when it comes to the fire cleanup. The restoration after an extensive fire or smoke damage is not something you should take lightly by any means. If an item does not look damaged, many will assume it is okay. This is not the case, however, and you should look at electronics, especially after a fire.
3 Smart Technologies in Smoke Detection
As a homeowner it is a smart choice to update the smoke alarm system in your house.
Smart Technologies in Smoke Detection
It should not come as a surprise that in the age of technological breakthroughs, fire safety gets its turn. When you decide to upgrade the smoke detectors protecting your home in Englewood, CO how do you know which technology to choose? Review the three smart technologies in smoke alarms below to determine which best meets the needs of your home and family.
1. Smart Smoke Detectors
Similar to other smart home products, this smoke alarm connects to the internet and sends notifications to your phone when the alarm is triggered or when batteries are low. The priciest of the three options at around $100 per unit, it is a good investment if you are looking for a complete fire safety overhaul in your home. Some models integrate carbon monoxide detectors as well.
2. Smart Batteries
A much cheaper option that utilizes your current smoke alarm system is a smart battery. Costing around $35, it works the same as a 9V with the added benefit of connecting to your Wi-Fi network to send notifications to your phone when the alarm sounds. The battery lasts longer than a standard 9V, providing up to five years of power.
At $50-$100 each, a listener is a good selection for those with larger homes. It works by listening for the alarm and alerting you via your phone. This is a good way to achieve connected coverage with your existing detectors, rather than replacing each one.
As a homeowner in Englewood, CO it is a smart choice to update the smoke alarm system in your house. Regardless of the specific technology you choose, you are making fire safety a priority for your family. If a fire occurs, a smoke detector can save lives. Although it may take time, your home likely can be saved as well. Fire restoration experts also use technology with specialized equipment designed to remove water and smoke from your home, repair damage and restore your belongings to pre-fire condition.
What Is the Extent of Renters Insurance Coverage?
Renters insurance coverage
What Is the Extent of Renters Insurance Coverage?
Property owners often recommend renters insurance to tenants. These policies can be useful for covering the cost of damaged or ruined contents at a rental property in Denver, CO. It is important to check the details of any renters policy to determine the full extent of coverage in each of the following areas.
Most renter's policies cover the cost of restoring damaged contents. This coverage can pay off when items can be treated by content cleaning professionals during fire restoration. Any of the following methods may be used:
- Dry cleaning
- Wet cleaning
Renters policies will cover costs associated with content restoration up to a set limit. Additional costs associated with cleaning or temporarily storing cleaned items may require that a renter pay out of pocket.
Some renter's insurance policies cover replacement costs. It is important to check to make sure this is the case, as some policies only cover market value. Regardless of the purchase cost of any item, its value depreciates over time. Replacement cost coverage will pay the total cost for replacing a ruined item, but market value coverage may come up short.
The best renters' policies allocate a specified amount of coverage for temporary relocation. If fire damage restoration at a property will require evacuation, this coverage can offset some of the cost of securing lodging off-site for days or weeks until cleanup is complete. Be sure to check the policy limit and any requirements for this benefit.
If a renters insurance policy only covers the market value and not the replacement cost of contents or does not extend to relocation costs, it may be worthwhile to switch to a policy that provides more complete coverage. All of these areas of coverage can be helpful in the event that fire damages an apartment or rental home located in Denver, CO.
Tips on Avoiding Space Heater Disasters
Make sure your space heater is 3 feet away from all flammable items in your home to prevent a fire!
When winter blows in and cold bears down, having a space heater is a convenient comfort. Serious malfunctions may arise, however, if you use one improperly. Even worse, an unattended, burned space heater may progress into a calamitous inferno. Here are some tips designed to help prevent yours in Englewood, CO, from catching alight.
Space Heater Safety Features
Space heaters worth purchasing always incorporate:
- An automatic shutoff
- A sturdy cord
- A ground fault circuit interrupter plug
Be certain the one you pick promises these key components. The name of an independent safety testing organization, such as CSA International or Intertek, should have their stamp of approval clearly displayed on the box.
Safe Space Heater Usage
Failure to choose a quality heater could result in a fire that triggers a complete system breakdown. Even worse, a burned space heater could cause curtains, upholstered furniture, or bedding to scorch or catch fire. Instead of calling upon a residential fire restoration service to repair the fire damage and perform a comprehensive smoke cleanup, avoid the situation altogether by adhering to these guidelines.
Carefully consider your heater’s placement. Always rest yours on the ground, never on raised surfaces, like tables. Clear away anything flammable that could get knocked over and land atop your device. Choose a spot that is inaccessible to both pets and children and away from walls.
Always switch off your gadget before retiring to bed. Avoid using extension cords with heaters, as overheating may result. If ever the cord becomes frayed, discard your apparatus.
Even with proper measures in place, heaters still catch blaze. Install smoke alarms on every floor and test them regularly. Have an escape route planned and educate children regarding proper response during a fire emergency.
A burned space heater is an unfortunate outcome that can be curtailed by observing commonsense measures. Practice prudent usage and yours should continue operating smoothly.
3 Types of Water Damage from a Fire
Fire and water damage in Englewood, CO
Fire Damage In Your Building?
Has your building in Englewood, CO, suffered a fire? While fire damage can be devastating, the damage from sprinklers and firefighters' hoses is also a big problem. There are several parts of your building that can be severely impacted by water, whether it is from an emergency crew's response or your building's fire suppression system, so timely water cleanup is essential to save all these aspects of your business.
1. Furniture and Other Fixtures
Chairs, tables and other objects, especially those made of wood or fabric, can easily become drenched and waterlogged. Luckily, a professional disaster cleanup service can efficiently and safely dry your belongings. The services may use an antimicrobial treatment to prevent any mold growth on these surfaces. These professionals may also offer smoke cleanup and can use effective treatments on your furniture or fabrics after they are dried.
2. Walls and Ceilings
Waterlogged walls and ceilings made of drywall can sag and buckle under the weight of the liquid. This is a looming threat even after the flames have been extinguished that can quickly compromise the structural integrity of your entire building. Water cleanup includes the use of a specialized high-power vacuum to suck out the majority of the moisture. If the damage is severe enough, the walls and ceilings may need to be torn down.
3. Flooded Rooms
Standing water can quickly seep into walls and cause extensive damage. Professionals use powerful pumps to quickly remove a large amount of standing water. Specialized tools are used to detect any remaining water that may be behind walls or under floors; this prevents any further damage and stops the buildup of humidity. Professionals also conduct fire cleanup services if there are any needed repairs. Similar antimicrobial treatments are also used here to prevent any dangerous mold growth.
With a professional service in your employ, water cleanup can go from a daunting task to a simple and efficiently completed chore.
3 Things You Need To Do After a Home Fire
The aftermath of fire in an Englewood, CO home
Here Are Three Things To Know
A home fire is something you never want to experience, but what would you do if it happened? Would you know the steps to take after you’re safely out of the house? The stress of enduring this emergency is significant; don’t add to the overwhelmingness by stressing about fire restoration after a narrow escape. Do yourself a favor and create a plan to handle the aftereffects of a home fire.
1. Call Your Insurance Company
An important step to recovering your home is to call your fire insurance agent as soon as possible. They must know what happened so they can help you. Explain everything you can recall about the conditions leading up to the fire, and if it’s safe to do so, take photos as documentation. You should also ask if board-up services or fencing is covered in your plan. Memorize the contact information in case the fire destroys your phone.
2. Secure Your Property
The next step to fire restoration is to protect your home after the incident. Depending on the extent of the fire damage, you may need to secure your home in Englewood, CO from further harm. Broken doors and windows leave your home vulnerable to theft or animal intruders. A hole in the roof can lead to weather damage. Some insurance plans cover this service, so check with your agent before hiring a provider.
3. Don’t Touch Damaged Items
It’s natural to want to recover important items, but you shouldn’t attempt this on your own after a devastating fire. You don’t want to hurt yourself or further damage your belongings. Don’t turn on lights or faucets. Avoid cleaning the carpet, walls, and electrical appliances. If possible, stay out of the damaged areas to avoid stirring up soot and ash that will embed into the carpet. You’ll want to call a professional smoke cleaning company to address the damage.
Surviving a home fire is a difficult endeavor, but planning ahead can ease your mind. Add these steps to your emergency escape plan so you can begin the fire restoration process as soon as possible.
5 Steps to a Life-Saving Office Fire Escape Plan
Fire drills are priceless
Five Simple Steps For an Effective Fire Escape Plan
During a fire, it’s too late to consider how a fire escape plan can save lives at your office. Yet, having a solid plan that’s been shared with employees and management in Denver, CO, can not only prevent unnecessary loss of life, it also demonstrates a genuine interest in the safety of everyone at your company.
The Red Cross is very clear: there are two great ways to protect life at a business. Firstly, have a smoke alarm. This can’t be overstated. A single $10 (or cheaper!) smoke alarm can reduce the odds of an employee dying in a fire by half.
Secondly, develop and practice an emergency escape plan. With a few hours a year and the following five simple steps for an effective fire escape plan, you’ve enormously increased the survivability of a fire at your office.
What’s most likely to start a fire at your office? What else is in the building that could impact you? If you share a building, the fire could start elsewhere.
Consider how the fire might spread. What routes are likely to be cut off? Which way will people naturally gravitate towards if they are close to panicking?
Choose key managers or employees who are responsible for sharing information with others. Identify individuals who are less likely to panic that can shepherd others out during an emergency. They should be thoroughly familiar with the plan.
Draw a comprehensive map with escape routes highlighted and quite easy to determine. This can be done in minutes with basic computer software for most small or medium-sized offices.
Post escape maps in prominent places. Make sure everyone in the office knows the designated fire safety employees. Encourage questions and keep everyone on the same page.
Fire drills are priceless. If your office practices their fire escape plan once a month – or even once a quarter – you’re likely to save lives in a serious fire.
Once everyone is safely outside, call a local fire damage restoration company in Denver, CO. They’ll help you with insurance forms and get your office reopened much more quickly.
What To Do After a Partial Loss
A partial fire loss requires proper inspections to ensure appropriate restoration can occur.
A partial fire loss is what happens when your commercial property in Denver, CO has some fire damage but the whole building is not destroyed.
Even if you can't see any damage, it's still important to have your building inspected. That way, you have the information you need in case you need to file an insurance claim.
When To Expect a Partial Loss
There are several situations that can lead to a partial loss:
- Fire in another part of the building
- Fire in an adjacent or nearby building
- Forest fire or other natural disaster in the area
- If you smell smoke in your building, it probably has at least a little bit of smoke damage. Fire mitigation experts can root out and fix the problem.
What To Expect During the Inspection
When specialists arrive to inspect your building for a fire loss, they need to be thorough. It doesn't make sense just to look at the areas you can see, because smoke travels and can get into any nook or cranny. Damage from a partial loss often goes unrepaired when inspectors cut corners by not looking at the whole building from the basement to the roof.
Inspectors must complete a full inspection of the whole building, even the parts that seem unlikely to have been affected by the fire. They look for structural damage as well as secondary issues such as mold growth. It is especially crucial that they check the HVAC system. If soot or smoke get caught in the vents, it can be dispersed throughout the building, leaving more damage in its wake. Technicians also take note of the work they need to do to make sure the affected places end up matching the space around them. The fire restoration process is only as thorough as the initial inspection.
A partial fire loss can be sneaky because you can't always see the full extent of the damage. A thorough inspection of your whole building ensures that you get the mitigation you need.
How Fire Sprinkler Systems Work
Understand how your fire sprinkler system works to best plan for a disaster
Fire sprinkler systems are an effective means of suppressing fires in commercial buildings and many states and localities have laws requiring their use.
To get the most out of your sprinklers, it is important to have an understanding of how they work.
Sprinkler Heads Detect Heat
Many people mistakenly believe that their fire suppression system is activated when it detects smoke. However, sprinklers are triggered by an increase in temperature. When a fire occurs, the air above the fire is rapidly heated. This hot air rises and travels across the ceiling. Most sprinklers contain a glass bulb filled with a glycerin-based liquid that expands when heated. Air that has been heated between 135 and 165 degrees will cause the liquid to expand to the point where the bulb shatters and activates the sprinkler.
The Sprinklers Douse the Fire
Once activated, the sprinkler or sprinklers will spray pressurized water in an arc around the sprinkler head. The water is pressurized because this allows the water to reach a wider area and better douse the flames. Contrary to popular belief, only the individual fire sprinkler or sprinklers that have been activated will spray water. This makes it possible for a small fire to be doused without spraying water in the entire building, which can reduce the amount of fire sprinkler cleanup needed.
However, a special type of sprinkler, called a deluge sprinkler, is available for situations, such as buildings that contain extremely flammable materials. With a deluge system, every sprinkler in the building is set off when a fire alarm sounds. This allows for fires to be quickly extinguished in circumstances where taking a more cautious approach may be too dangerous.
A fire sprinkler system can prevent a small fire from becoming a large fire; however, the water from the sprinkler system can damage your property. If you need water damage remediation services, a professional in Denver, CO, we are ready to assist you.