Mold and Homeowners Insurance Claims in Pompano Beach

Almost all homeowners in Pompano Beach eventually face some type of mold problem, which may be benign and easy to fix like mold growing in a shower stall or very serious if the mold is the result of serious water damage. Homeowners can face big problems if there is a persistent moisture problem that goes on for too long, which can cause widespread mold growth throughout the home. While this moisture may be the result of a leak or a flood, it can also be caused by high indoor humidity — a common problem in Florida.

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Mold damage in Pompano Beach may or may not be covered by your homeowners insurance policy and it usually comes down to the source of the water. It’s important to review your policy and what it covers in terms of water damage because your policy may exclude or place limitations on mold, in which case you will be responsible for any mold remediation necessary.

 

Is Mold Covered?

Most homeowners insurance policies exclude any damage that results from bacteria, fungi, or mold. This doesn’t mean a claim for mold damage will be denied, however. If you have mold from an accidental, sudden peril that’s covered by your policy, such as a burst pipe, the cost of mold remediation will likely be covered. This is because the mold itself did not cause the claim but rather the burst pipe, which is covered. Your claim will probably be denied if your home has a mold problem due to neglected maintenance, repeated leaks, or long-term humidity problems that weren’t addressed.

 

Mold remediation can be very costly so it’s always a good idea to check your policy carefully and ask your agent if your policy is vague. While most insurers do not separate mold claims from water damage claims (as they’re usually related), 22% of homeowners insurance claims are caused by water damage and freezing, which includes mold damage and removal, according to the Insurance Information Institute.

 

The III found that the average claim for mold is between $15,000 and $30,000 — 5x the average claim for non-mold issues! A single inch of flood water can result in an average claim of $7,800. Your policy will likely have restrictions on the mold damage it does cover. In most cases, your policy will cover between $1,000 and $10,000 in mold removal and related repairs without covering and mold-related problems due to flood damage. You may want to purchase separate flood insurance to protect you. In Pompano Beach, flood insurance is usually required.

 

Additional Mold Coverage

Some insurance companies allow you to buy an additional mold rider, which is add-on protection for your homeowners insurance policy. A mold rider gives you additional coverage and it may be a good idea given the humid climate of Pompano Beach, which lends itself to mold growth. You may need to pay an annual premium of $1,000 to $2,000 a year for a mold rider. Older homes tend to cost more to insure, especially in humid climates like Florida.

 

Living in Pompano Beach means fighting a constant battle against mold. You can help protect your home and increase the chances that any claim you do need to make is approved by keeping mold at bay. Keep your indoor humidity level controlled by using a dehumidifier and air conditioner and make sure you regularly inspect your appliances for leaking hoses or fittings. If you do suffer water damage, take action right away by removing as much water as you can and contacting a company that specializes in mold damage and water damage restoration.

How to manage work and family correctly – The secret to finding the ideal balance

Professional compulsions and obligations can take a toll on one’s personal life. Personal problems and commitments can take a toll on one’s professional life. It is said that a person has to compromise one for the other. It is no secret that most professionals do very little household chores and most homemakers seldom embark on a professional journey, or they call it off for family. But generalizing the entire scenario is neither wise nor accurate. There are many people who are finely balancing work and family. They probably deserve some medals of honor but such people are anyway rewarded with satiation in their lives, which is the best result for anyone.

Here are a few secrets to find that ideal and elusive balance.

  • Always be proactive. The moment you are reactive or start reacting to everything, you are falling behind. The reason why most people struggle to find this balance is because they are always running late for something. People are running late for work, professionals are running behind schedules or missing deadlines and most adults are simply reacting to everything. When you get on top of things and start having some control, you will begin to find that balance. You cannot find the balance if you are drowned under professional or personal tasks.
  • You need to be organized. Whether it is your personal finance or your professional obligations, you must have everything in order. Balance can never be instilled in a chaotic situation or when you have things in disarray. You have to simplify everything. Start with a calendar but don’t stop there. Wake up early, become fitter or do anything that will make you more organized. You will be amazed at how simple or basic things impact your professional and personal life.
  • You need to be pragmatic. You cannot promise something that you cannot deliver. You cannot hype up expectations or commit to something that will disrupt the balance. If you are running your own business, then it is likely that you would have to work for long hours. Whether it is a courier service offering parcel delivery to Germany or some online store you are running, you would have to work most of the time. But you can find that odd hour or a few with family that will tilt the scale.

You need some support from your family as well to find this elusive balance. You also need fair policies at work to get desirable time-off. Work and family don’t have to be at loggerheads. We put them there due to our own missteps.

 

Need of Air Duct Cleaning for Preventing Air Pollution

Several dust mites have leading role in polluting surrounding air by make available presence of unhealthy fungus, molds and bacteria etc. As per expert’s estimates, mostly inside air of building are more polluted than that of outside. Usually cooling and heating system have important role in circulating contaminated air inside house. It thus creates unhygienic environment which can prove to be hazardous for one’s health after its inhaling process. Sometimes pollutants level is raised so high that it can lead to several kinds of diseases.

Ways to Control Air Quality of Inside House

With creation of certain dirt as well as debris, it becomes very difficult convenient flow of air at free form through ventilation. It will subsequently increase cost of its operation. This problem will go on increasing day after day and will become more complicated. It is better to clean the air with air duct cleaner or via air duct cleaning services with help of certain professionals certified from NADCA.

It is should be noted that most professional companies selling their ventilation systems mainly focus on providing air cleaning services to remove air ducts only. Apart from these, there are also many services offering complete cleaning of evaporator coil, blowers, HVAC units,     accessible components and individual air ducts as well. These are also involved in cleaning of vent covers. Thus, these leave no place of ventilation unclean.

Increasing Energy Efficiency by Professional Cleaning of Dryer Fire

It is good habit to get one’s dryer vent cleaned with certain professional cleaners and technicians as well apart from just air duct cleaning. This process results in large money savings and enhancing energy efficiency of one. All these process will absolutely provide good prevention from dryer fire at home.

Few Signs Indicating Need of Air Duct Cleaning Services

Following things will indicate need of hiring air cleaning services-

  • Dirty air supply with increased returning of vent covers.
  • Presence of dark filtration lines on walls, ceilings or carpets around vents
  • Varied air temperature and flow all over the house.
  • Increased level of energy required for operating HVAC system or definite settings. It will also result in blockage of coils and ductwork which may restrict flow and spiking utility bills.
  • Damage of water or flooding in ductwork that result in sediment building.
  • Recently launched remodel or construction projects.
  • Need of new interface or ductwork

Mostly professionals of air duct cleaning have their expert hands on air duct cleaning with great level of efficiency which cannot be seen with normal cleaners. Customer’s additional options           available for allergen reduction are air filters for offering certified HVAC/Furnace Filters. These filters introduced by AAFA have their remarkable feature for removing around ninety five percent of pollen, ninety two percent dust mite allergens and eighty five percent of pet dander. One other important feature of this filter is Lysol triple action for working even at higher level to trap pollutants, allergens, neutralization of odors and creation of certain antimicrobial for preventing emerging of bacteria. Air duct cleaning panama city is easy with several professional companies indulging their hands in this area.

Pros and Cons of Roofing Shingles

The choices for roofing shingles in residential applications include slate, wood, metal and composite built-up roofs.

Slate

Real slate shingles are one of the most durable roofing materials known to man.  Blizzards or heavy rainfall aside, the material weathers well for dozens, even hundreds of years.  The material can be pricey because it is so painstakingly split in a direction perpendicular to the native rock, which varies in color from grey, from pale to dark, purple, cyan, or green even within the same locality or quarry.  The resulting flats, usable as roofing shingles, sidings or floor tiles, are therefore versatile as to styles, appearance, materials, and shape.

The cost can be prohibitive but a sympathetic contractor can halve the cost by designing the roofing such that two-layer designs are avoided.  Or splitting the tiles even thinner and laying “Built-Up Roofing” on the interior, unseen surfaces.  This reduces the structural support work needed for upgrading to regular-weight slate tiles. Meantime, the fractional cost and effort of renovation does wonders for the resale value of your property.

Composite, Built-up Systems

Like the protective layers in commercial and industrial buildings, BUR (Built-Up Roofs) employ other protective materials under the main roof.  This is usually asphalt to cut down on the rainwater leaks endemic to roofing tiles.  Layers of felt (glass and organic or polyester fibers) can be added for structural tension in sloping roofs.

Wooden Shingles

Wooden shingles are typically shaped from thin, fine-grained and tapered pieces of knot-free wood for a uniform and pleasing appearance.  The abundance of timber in the colonies and the ease with which splitting could be done meant even a lone handyman could upgrade his log cabin to one completely roofed and walled with natural-looking wood shingles.

A real craftsman could take advantage of the natural grain in slabs to produce pleasing effects such as combed ridges, swept valleys, decorative butt ends, and other patterns.  By the same token, wooden shingles were left unfinished so as to age quickly.  This meant homeowners tolerated rot, splitting, mold, and mildew in the wet and snowy Northeastern climate.

Next to real slate, wooden shingles cost more than other types of shingle.  As America modernized, all-wood cottages like these went out of fashion because of the fire risk.

Asphalt and Fiberglass Shingles

The composite and plastic shingles are comparatively cheap for being synthetic and carry fewer load-bearing penalties.  Both fiberglass and organic shingles have an asphalt exterior.  The difference between the two lies in the base of the shingle. Fiberglass shingles have a fiberglass mat, while organic shingles have a mat usually of paper.  Both are available in architectural or “three-tab” styles. Architectural shingles have a heavier base mat and multiple layers of shingles, which makes for a multi-dimensional look. They are stronger and more attractive, yet more expensive.  Three-tab shingles cost less in-store and are cheaper and easier to install.  The composites fade with sustained exposure to sunlight and are not good for stormy climates.

Copper Shingles

These are extremely durable and available in four-way interlocking pieces so you won’t have to worry about frequent roof repair.  This obviates the need for structural reinforcement.  Like aluminum, copper does not oxidize but acquires a pleasing patina with age.  There is no need to worry about splits, mildew, moss or the fungus characteristic of synthetic shingles and the cracks or rust that eats through painted surfaces like rolled steel roofing.

Choose Academy Air Heating and cooling systems and enjoy its usage

Seasons changes every year and in every season change we will experience different climatic conditions so to protect us from heavy winter and hot summer days we should opt for heating and cooling systems. These systems have plenty of air conditioners, furnace, heat pumps, boilers and thermostats to choose people can select their finest variety from those products. The best models and good after sales service is provided only in academy air so get the heating and cooling systems only in this company and enjoy best services. Many customers who avail the services from this company are enjoying best emergency services at round the clock. The academy air is serving people for more than forty years until now there were no specific customer complains about their product. So they are the best and perfect option for all our heating and cooling requirements.

indexThe Academy Air Heating and Cooling systems have best water heaters which is available in standard models, hybrid models and in tank less models. These models are available in different shapes, colours and size people can choose their perfect model and use it in their home. The hot water is required for cooking, bathing, cleaning and for heating our home so buying best academy air water heaters provide best lifelong service to the people. The company will install all the water heaters at the respective homes without getting single penny for installation.

The water heaters are available for both commercial and residential purpose so people can choose it accordingly. The air we get from air conditioner will get impure when days pass on so we can replace the purification systems with the lot of replacement options.   Some of the best purification options available for air conditioners are absorption, elimination, energy recovery, dilution, filtration and energy modulation in ventilation systems.

imagesThermostats and zoning available in academy air

The zoning and thermostats available in academy air is suitable for all types of home and people can use it without replacing their furnace or air conditioner parts. The zoning will occupy even in smaller home and it helps to upgrade all homes to optimum levels. This product will heat the home during summer days and cool it during winter days thus we can enjoy both the benefits in all climatic conditions. So why waiting for go ahead and get the thermostat from academy air today.

Residential services and products offered by academy air

The best services offered in Academy Air heating and cooling systems for residence are emergency service, maintenance, air conditioning service, air purification service and safety services. The emergency service is provided round the clock throughout the year, the service can be obtained by calling their emergency numbers. The air purification service will clear all the impurities present in the air and help to prevent from many respiratory diseases like allergy, asthma, breathing trouble and etc. the safety is first priority of the company so people can enjoy best safety services throughout the year.

Stylish staycations with great glamping options

A relaxing holiday is nice to look forward to but a great getaway abroad can be marred by airport strikes, overcrowded hotels and all the stress that comes with trying to arrange a foreign holiday. Luckily there are plenty of fabulous alternatives which can cut down on the travel time and give you a fantastically fun holiday in unique surroundings.

Guest Post

Explore the amazing British Isles

In recent years there has been a growing trend for holidaying right here in the UK and the staycation has an enormous amount to recommend it with a number of appealing benefits.
It’s a great option for those who don’t enjoy travelling too far or hate the thought of getting onto a plane or boat to reach a destination. There is a huge variety of different places to explore in Britain. Active types can enjoy walking or cycling in Wales, while Cornwall has a fantastic watersports scene and there are plenty of interesting National Trust sites all over the UK to suit all tastes.

A recent travel survey found that over a third of Britons believe holidaying here is vital not only to boost domestic tourism but to help preserve our precious heritage for future generations.

Get glamping

Camping and caravanning holidays have seen a real resurgence, adding several billion to the UK economy and offer the perfect alternative to hotels.

This type of holiday is ideal for both active families and those who enjoy the freedom of being close to nature. Glamping, or glamorous camping, offers all the flexibility of camping whilst still providing an element of luxury. You don’t even need your own tent but can instead opt for a fully-fitted yurt complete with comfy beds, electricity and kitchen equipment. Most glamping sites also provide luxurious breakfasts straight to your accommodation if you don’t fancy getting up early to light your campfire.

Quirky accommodation options

If a night under canvas doesn’t appeal, there are other camping options. Converted buses or American-style Airstream motor homes can be extremely comfortable. Alternatively for something rustic yet romantic, Shepherds Huts from companies such as http://www.cotswoldshepherdshuts.co.uk make cosy and fun accommodation.

With so much to see and do, a glamping staycation is a brilliant way to holiday this year.

What NOT to Do When Moving House in Gloucester: 6 Tips

Guest Post

Moving house is stressful but many people make it more of a hassle than it needs to be. When moving home in Gloucester, make sure you don’t fall into any of these common traps. Remember, moving is as difficult as you make it, and you can help yourself to a more enjoyable moving experience.

  1. Pack Absolutely Everything You Own

Did you stop to consider that the less you move, the quicker – and cheaper – the process? Many families in Gloucester have way too much stuff, accumulated over a lifetime of living in one house, or as a result of two families blending together. Don’t think that you need to pack everything and unpack it again at your new home. Even if you are moving to a bigger place you can take the opportunity to declutter and donate or sell the things you no longer want or need.

  1. Do It By Yourself

When it comes to removals Gloucester has the professionals – so use them. Many people make the mistake of thinking they will save a few pounds by doing the whole thing themselves but this is quickly revealed as a mistake. Lifting, shifting, bending, and hauling are killers for your back. Think how much easier and less stressful it will be when you let the professionals like www.andrews-removals.com take the burden.

  1. Forget About the Home Improvements

When moving, people forget about the items that need to be completed in the new home before it is ready for habitation. For example, in Gloucester where properties can be older there are often adjustments that need to be made to rooms, heating systems, plumbing, etc. Make sure you do as much as you can to the property before you move everything in.

  1. Fail to Make an Inventory

When moving in Gloucester, even if the move is a few streets, you should compile a list or inventory of the important and valuable possessions you will be moving. It serves as a checklist for making sure you don’t lose track of anything, and also can help you when you buy household insurance. If you don’t have time to fill in a spreadsheet you could simply photograph the items and add a note on your smartphone. Include the approximate cost of items.

  1. Forget About the Food

The pantry and the kitchen cupboards are often the last places people choose to pack and it can be a shock to discover the amount of food you have to move. Make an effort to cook with the contents of your cupboards in the weeks leading up to the move and buy less at the supermarket. Donate any unused food to friends or to the local homeless shelter or church.

  1. Skip the Cleaning

If you are leaving a rented Gloucester property, skip the cleaning and you risk losing your deposit. You can wipe down cupboards as you empty them and wash windows as you pack to save leaving it all to the end. Or, get the movers to also help you with the after-move cleaning. Many removal companies in Gloucester also offer a cleaning service.

The Best Agent to Contact for Lakeland FL Real Estate

davidshippeyMy husband and I have always seen Florida as the perfect place to settle in after retirement. So when we decided to move we quickly chose Lakeland as our new future dwelling. One of the reasons we chose it were that many of our friends and family were settled in and around Lakeland and we quickly started searching for a real estate agent to help us choose a home. We decided to take references from the people we knew in Florida and came across this agent. Since we needed someone with extensive knowledge of Lakeland FL real estate, one of my friends had suggested this agent.

I went straight to the internet to look him up and evaluate. The official site provided a wealth of information about the real estate buying opportunities in Lakeland. We were looking for a two storey home with just adequate room for the two of us. Since the kids had moved out, all we needed were a few rooms now. I went through the listing of homes thoroughly and even selected some favorites. The site was truly wonderful as it allowed me to request more information and even book a showing. I was becoming surer about contacting the agent. He not only had experience by his side but some very essential certifications too. He was an accredited buyer representative and was offering such a convenient service to find New homes Lakeland FL.

I quickly got in touch with the agent and felt assured as soon as I first spoke to him. We discussed our requirements and he assured us that we would be shown the finest and most suitable homes. We got to Florida for the tour and it all went quite amazingly smooth. The agent quickly made us feel at ease and we were able to see some really stunning homes. I was also glad to see that the agent guided us relentlessly through choosing and short listing the right homes. We were informed about a lot of important aspects on buying a home in Lakeland.

I am happy to say that we finally found the perfect home with 4 bedrooms and 2 baths and complete with all important amenities and much more. The neighborhood was perfectly located and at a convenient distance from markets and freeways. We wasted no time in closing the deal. Our real estate agent guided us throughout the buying process and I am really happy with the service he provided. He made the whole process relatively simple and breezy. We are moving in next week and I am ecstatic to be making the move finally. I would highly recommend the agent to anyone looking for homes for sale in Lakeland Florida. He showed a lot of great properties and even provided invaluable inputs. Thanks to him we could choose our perfect retirement getaway in Lakeland. With his experience and excellence there is no reason why he should not be recommended. I am glad we chose to look for a house through him.

Address:

David Shippey

By Design Real Estate Services
545 Avenue K SE
Winter Haven,
FL
33880
Phone: 863.521.4517

 

7 Tips for Cheaper Household Cleaning

Aside from it being tedious, household cleaning can be quite costly because of the materials and cleaners that you would use. It is common belief that the more expensive your tools are, the cleaner your house will be. Apparently, there are more affordable tricks and methods for furniture and carpet cleaning in your fab Adelaide abode.

78Listed below are practical tips that you should start following so you can have a more practical cleaning experience. You might not know it but everything you need for cleaning could just be found around your house, so you better start looking!

  1. USE BAKING SODA. Bicarbonate of soda is one of the best agents to use when cleaning. It doesn’t harm or cause scratches on your furniture and appliances. Use it to clean kitchen countertops, stainless steel wares, sinks, and greasy pots and pans. Baking soda is also a natural deodorizer. Sprinkle some of it at the bottom of your garbage can to prevent a nasty trash stench. Leave a pack of it in your fridge so it would absorb strong food odours without affecting their taste. You can also freshen up sponges by soaking them in a mixture of water and baking soda.
  1. REACH FOR THAT SALT JAR. Salt (Sodium Chloride) is effective as a stain remover and colour booster. Remove perspiration, blood, rust and wine spills as well as mildew on fabrics. For perspiration stains, add four tablespoons of salt to a quart of hot water, then scrub the area until the stain fades. If you’ve got blood stain on your favorite sweater, soak it in a solution of cold water and salt. Afterwards, wash it in warm, soapy water then rinse. Remove stubborn rust stain from the clothes by moistening the area with a mixture of lemon juice and salt. Allow it to bleach under the sun, then rinse and dry. Salt can also be effective in reviving the colours of faded curtains—just wash them in a saltwater solution to brighten the colours.

Sprinkle salt on your ironing board and at the bottom of your flat iron. Run your hot iron over the board to remove sticky gunk underneath it.

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  1. RE-THINK HOW YOU CLEAN YOUR SINK. As mentioned above, a stainless steel sink can be cleaned using baking soda but actually, there is another alternative for this. Place the stopper in the drain. Fill the sink halfway with water then drop 2 denture-cleaning tablets into it. Leave it overnight and drain the water. You should then have a squeaky-clean sink.
  1. DEAL WITH PET HAIR. Use damp rubber gloves to remove cat and dog hair on your furniture and clothes.
  1. CUT AND CLEAN. Instead of splurging on pricey dusters and cleaning rags, cut an old T-shirt or sweatshirt into hand-sized portions. Shirts are also effective wipers and polishers.
  1. CALM THOSE ASHES. If you are cleaning your fireplace, spray a light mist on the ashes so they don’t fly around while you’re gathering and cleaning them up.
  1. CLEAN YOUR MICROWAVE OVEN. Your microwave oven might have gotten smelly and greasy after a lot of food-heating that you’ve done. One quick fix is to mix 4 tablespoons of lemon juice with a cup of water in a microwave-safe bowl. Boil for 5 minutes in the microwave oven. The steam from boiling will cling to the oven’s interior walls. Wipe off with a clean cloth afterwards.

Practise Practicality

Household cleaning could actually be budget-friendly if you would just know how to maximize the resources that you have. You don’t need to spend a lot of dollars in maintaining your home. Be resourceful and creative, and you never have to worry about breaking the bank again if you ever decide to some house-cleaning!