Smoke Damage >> What Are The Dangers Of Smoke Damage

The fire department has responded under emergency conditions to control and extinguish your fire. In some cases forced entry, causing some damage, may have been required to quickly extinguish the fire. Even small fires often produce large volumes of heat and smoke making it difficult for firefighters to locate the fire in your building until they get the smoke and What Are The Dangers Of Smoke Damage heat out.

The fire department will perform basic clean-up and water removal to assure that the fire is out and What Are The Dangers Of Smoke Damage to prevent further damage. It is the owner's responsibility to take the additional actions necessary to further protect the building and contents beyond any temporary measures provided by the fire department The First 24 Hours Insurance Information 

If You ARE Insured If you are insured, your insurance will be the single, most important factor in recovering from a fire loss. Your insurance adjuster may be able to assist you in making immediate repairs or help you in securing your home. If you are unable to contact your agent and What Are The Dangers Of Smoke Damage need professional assistance in boarding up your home, you may contact a general contractor or fire damage restoration firm. 

It is critically important to coordinate with the insurance adjuster before contracting for any restoration services. You may violate the insurer's responsibility by contracting without their knowledge What Are The Dangers Of Smoke Damage or consent.Ask your insurance company what to do about the immediate needs of the dwelling, which may include covering doors, windows, and other exposed areas, and pumping out water.

Consult with your insurance company regarding what actions are required of you. Some policy holders may be required to make an inventory of damaged personal property showing in detail the quantity, What Are The Dangers Of Smoke Damage description and how much you paid for the items. Get renters or property insurance. A common misperception among renters is that they are covered by their landlord's insurance. 

Although landlords do carry insurance policies, they only insure the physical building against damage. Their insurance policy does not cover personal assets in your apartment. A number of insurance policies are available to homeowners, renters or What Are The Dangers Of Smoke Damage condominium owners. It is highly recommended that you explore the many options and select a policy that is right for you. 

Your insurance policy is a contract between you and the insurer. Your responsibilities after a fire loss include: Providing immediate notice of the loss to the insurance company or What Are The Dangers Of Smoke Damage the insurer's agent or broker. Protecting the property from further damage by making sensible or necessary repairs such as covering holes in the roof or walls. 

Taking reasonable precautions against loss, such as draining water lines in the winter if the house will be unheated for some time. The insurance company may refuse to pay losses that occur from not taking such reasonable care. Making an inventory of damaged personal property with detail regarding quantity,description, original purchase price, purchase date, damage estimate and What Are The Dangers Of Smoke Damage replacement cost. 

Consider taking photographs or What Are The Dangers Of Smoke Damage videotapes of the damage where it occurred for further documentation to support your claim. Cooperating with the insurer or his/her adjuster by making the damaged property available to the insurance officer. Keeping copies of all documents and pictures that you give to the claims adjuster or insurance company for your files.

You may also need to submit, within a stated time period, a formal statement of loss.Such statements typically include: The time and cause of loss. The names and addresses of those who have an interest in the property. These might include the mortgage holder, What Are The Dangers Of Smoke Damage a separated or divorced spouse or a lien holder. 

Building plans and specifications of the original home and What Are The Dangers Of Smoke Damage a detailed estimate for repairs. Restoration Services You or your insurer may hire the services of a fire damage restoration firm. It is important to coordinate with the insurance company/adjuster before contracting for any services. If you intrude in the insurer's area of responsibility by contracting for services without their knowledge or consent, you may be left with bills to pay that otherwise would have been covered by the insurer. 

Check references before hiring any company for repairs. These firms provide a wide range of services that may What Are The Dangers Of Smoke Damage include some or all of the following: Securing the site against further damage. Estimating structural damage. Repairing structural damage. Estimating the cost to repair or renew items of personal property.  

Packing, transporting and storage of household items. Securing appropriate cleaning or repair subcontractors. Storing repaired items until needed.Protect Your Property You must provide "reasonable care” to protect your remaining personal property in order for your insurance policy to remain in effect. Board up the windows and What Are The Dangers Of Smoke Damage doors if damaged and cover holes in the roof with plywood, tarps and tar paper. 

If the weather is cold, make sure all the plumbing is shut off and drained. Contact the gas company to have all appliances such as the stove or range, hot water heater and furnace, checked for safety. Contact a reputable electrician to have all affected electrical equipment and wiring checked for safety and What Are The Dangers Of Smoke Damage serviceability before reconnecting. 

If firefighters had to remove your meter or cut your service, contact the electric company or What Are The Dangers Of Smoke Damage have your electrician fix them. Be sure to coordinate ALL services in advance with your insurance company/adjuster. If you are charged for any of these services, save your receipts as proof of money spent related to your fire loss. 

This will help verify losses claimed on your income taxes.If You Are NOT Insured If your property is not insured, or if your insurance will not cover all of your losses, What Are The Dangers Of Smoke Damage contact your family attorney or the Internal Revenue Service for direction. You may be eligible for casualty loss. Contact the Internal Revenue Service Office and request:Publications 547 Tax Information on Disasters, Casualty Losses and Thefts.

If you are not insured and need assistance, What Are The Dangers Of Smoke Damage contact your local disaster relief services for assistance. The American Red Cross is available to assist you 24 hours a day, seven days a week. They can also help with your immediate needs such as food, clothing and housing and identify agencies that can help from your community.

Water Damage

After you have a fire, you ask, why does my house have broken windows and doors, and there are holes in the roof? Fire Damage Water Damage can produce temperatures greater than 1200 degrees, along with smoke damage and hot gases. At times, the firefighters must eliminate all of the heat, smoke and hot gases befo  read more..

Cleaning Up After A Fire

The number of fires caused by lighted tobacco products–almost always cigarettes–increased by a stunning 19 percent in the most recent year studied, Fire Damage Cleaning Up After A Fire according to research by the NFPA (National Fire Protection Association).

But laws requiring that cigarettes be desig  read more..

Emergency Board Up_Emergency Procedures For Storms


Levees & Dams- Levees are designed to protect hold back a certain level of water. However, levees can and do fail; and when they fail, they can fail catastrophically. Weakening of levees over time, or as a result of weather events exceeding the levee's level of support, can  read more..

Bird And Animal Damage To Buildings

Across the United States, wildlife habitat has been substantially changed as human populations expand and land is used for human needs. These human uses and needs often compete with wildlife which increases the potential for conflicting human-wildlife interactions. In addition, certain segments of t  read more..

Debris Removal

Did you know that nearly 3,500 children are injured or lose their life due to fires annually?  Some of these fires are a result of children playing with matches, lighters or candles. Without a doubt we need to educate our children about the dangers of Fire Damage Debris Removal. But we must be careful not to frig  read more..

Protect Your Doors Against Wind

Certain parts of the country have building codes requiring garage doors to withstand high winds. You should check with your local government building officials to see if there are code requirements for garage doors in your area. Some garage doors can be Wind Damage Protect Your Doors Against Wind strengthened with retrofit  read more..

Ceiling Leak From Storm

Coastal A zones are not shown on present day Flood Insurance Rate Maps (FIRMs) or mentioned in a community's Flood Insurance Study (FIS) Report. Those maps and studies show zones VE, AE, and X (or older designations V1-30, A1-30, B, and C). Therefore, until Coastal A Zone designations Structural Drying Ceiling Leak From Storm   read more..

Debris Removal

Hail, snow, ice, wind and even heavy rain can produce wind damage to residential homes. Comprehending the effects of winds on homes will allow you to create both preventative efforts to reduce the possibility of wind damage and central Wind Damage Debris Removal strategies to central for plants after wind damage ha  read more..

How Does A Radon Test Work

The meanings of these terms apply specifically to the RPP. The specialized definitions noted here are used in place of those found in standard dictionaries.Accepted application: An Application that has been entered into the Program database. Acceptance date: The Radon Mitigation How Does A Radon Test Work date on which EPA comp  read more..

Lead Paint Testing For Paint Contractors

Educate small painting and remodeling contractors about lead-safe work practices to protect the health of occupants (especially small children) and employees. From 1996 to 2000, 34 half-day lead awareness trainings were held throughout California to increase contractors' use Lead Paint Removal Lead Paint Testing For Paint Contractors of lead-s  read more..