What Does Roof Damage Mitigation Involve?
Cleveland, TN home destroyed in storm
Three Mitigation Measures
Most insurance companies require homeowners to take reasonable measures to mitigate roof damage in order to cover claims. The goal of damage mitigation is to protect a damaged roof and the interior of a home until repairs can begin. These three mitigation measures can help to prevent further water or wind damage.
1. Documenting Damage
A homeowner should obtain footage of the full extent of damage before taking steps to temporarily protect or improve the situation. Take photos or record video to provide to an insurance company as evidence in support of a claim.
Strengthen the case with footage from before the damage occurred. It is a good idea to capture the status of a property at least once or twice a year and back these files up in a remote and secure location such as cloud storage.
2. Covering Holes and Leaks
Roof damage mitigation primarily consists of covering up holes and leaks. A homeowner can do this work themselves, but it will require plywood, tarps, nails or screws, and at least two people working together.
Use plywood to cover holes. Lay out tarp so that it covers the ridge line by about two feet to keep out water. Attach the tarp to boards secured to the roof with nails or screws. A damage mitigation service can cover a roof quickly and effectively.
3. Removing Fallen Limbs
If a tree branch falls and causes damage to your roof, document the scene and contact a tree removal company. This service can also trim other parts of trees that pose a risk.
These measures can help any homeowner mitigate and recover from roof damage. Regardless of the cause of the damage, make sure to thoroughly document and take steps to limit the severity of the situation. For assistance with mitigation, contact a storm and wind damage restoration company in Cleveland, TN.
How To Clean Your Gas Cooktop Like a Pro
Cleaning of gas cooktop in Hopewell, TN
The last thing most professional chefs in Hopewell,TN, do before calling it a night is to clean the gas range. As you probably know, range cleaning can be an unpleasant chore. Still, you don’t want a lingering smoke smell to ruin the comfort of your home.
Here are some tips for cleaning your gas cooktop like a pro.
1. Remove Grates and Burner Covers
When pots boil over, liquids often make their way into hard-to-reach parts of your gas cooktop. The best way to completely clean your range is to remove the grates and burner covers. This can be intimidating, but it doesn’t require a degree in mechanical engineering. Most grates simply lift off, allowing you to access burner covers. These usually unclip and remove with just a bit of effort.
2. Work With a Scrubbing Sponge
Cooked-on food particles can be difficult to remove. While there is no substitute for elbow grease, you can increase your odds of achieving a sparkling gas range by working with a scrubbing sponge. The abrasiveness on the rough side of these sponges makes quick work of tough spots. While using a commercial cleaner can remove baked-on food, you may want to use lemon juice or vinegar. These nontoxic cleaning products have been friends of professional chefs for years.
3. Use a Restoration Service
Sometimes, everyday use isn’t to blame for a dirty oven. Small kitchen fires and home floods can destroy the condition of your cooktop. If your stove has been through one of these, you may need the assistance of a professional restoration service. Technicians often have the training, equipment and skill to help salvage your oven after a home disaster.
Nobody enjoys cleaning gas cooktops. Nonetheless, if you want a clean kitchen, you can’t afford to ignore the condition of your oven. By taking some queues from the pros, you can be certain your gas range stays in tip-top shape.
Does Storm-Related Damage Have a Place on Your Business Tax Return?
Drying equipment in a Charleston,TN hotel after storm damage
Business owners must think of innovative ways to meet customer demands. There is, however, one variable that can throw a monkey wrench into the workings of any company: severe weather. As you probably know, storms and other natural disasters can bring your company to a standstill. If your business has sustained storm damage, you may be able to deduct some of it on your annual tax return.
Determine the Source of Your Business Damage
To know whether damage to your Charleston,TN, business is tax deductible, you must first determine the source of the damage. Damage from the following types of natural disasters are often deductible:
When determining whether damage is caused by a storm, you must look for sources of other possible damage. For example, failure to properly maintain your business before the storm hit may render your organization ineligible to list it as a deductible expense.
Consider Whether Your Insurance Policy Covered the Damage
The next part of the analysis involves your insurance. If your commercial policy covered storm damage, you likely cannot deduct it on your tax filing. If, on the other hand, your insurer did not pay for the damage, you may be able to list it as a deduction. You can also usually list the difference between actual damage and the amount your insurer paid as a deduction. If you failed to file an insurance claim that would have otherwise been covered, you are probably ineligible to claim the damage as a deduction, though.
Virtually all business eventually sustain some type of storm damage. While relying on insurance to help control costs is a good idea, you must have a full-throttled strategy to ensure business continuity. A restoration service can likely help to return your company to its pre-storm condition. Then, you may be able to deduct some storm-related expenditures on your business tax return.
Draining a Flooded Basement
Flooded basement in a Cleveland,TN home
If your basement has flooded in Cleveland,TN, you may be at a loss regarding what you should do. No one wants to deal with a basement flood, but facing reality and following these four steps will help you to recover your property with as little residual damage as possible.
1. Call Your Insurance Agent
You may have insurance coverage for floods in your home. Because of this, you should always check over your homeowners policy and call the agent who handles your account to ask questions and make a claim if you can do so.
2. Wait for Conditions to Settle
Before you decide how to handle water removal, you will need to make sure that the water is under control. If it seems to be limited to the basement, and any outdoor water has receded, you can safely move on to draining your basement flood.
3. Choose Your Removal Method
All water removal methods are typically handled best by water damage technicians. Two typical solutions are pumping for large floods and vacuuming with a wet/dry machine for smaller ones. It is a good idea to research all of your options so that you make the best decision possible.
4. Decide on a Drying Method
Most homeowners will find that the majority of their damaged property and valuables will need to be dried, dehumidified or otherwise salvaged, as old flood water can cause irreversible damage to your investments if left to sit. The service that you hired for water removal can likely help you with drying and restoration, as well.
A basement flood is a big deal to any concerned homeowner, but being prepared can help you be less overwhelmed if this unfortunate situation is occurring or should occur in the future. Use your newfound knowledge to help protect your Cleveland,TN, house from as much lasting damage as possible.
How To Salvage Water Damaged Documents
Damage ceiling from a failed water pipe in a Cleveland, TN home
Even in the current age of digital records, it is likely that you still house some important paper files at your business in Cleveland, TN. When flooding occurs, what becomes of the wet documents?
What Types of Records Can Be Saved?
Depending on the severity of the flooding it is possible for a wide range of paper documents to be saved. Although not all papers may be salvageable, you increase the likelihood of restorable contents when you take immediate action. The following items may benefit from the document drying process:
- Paper documents including personnel files, contracts or manuscripts
- Commercial property blueprints or facility maps
- Photographs, archival microfiche or film
- Collections of magazines or books
What Document Drying Methods Are Used?
Restoration specialists use a multitude of professional cleaning and drying techniques to recover wet documents:
- For storm water and sewage exposure, documents need to be disinfected and sanitized. Items are sterilized using gamma irradiation.
- Some papers respond best to air drying or a dehumidifying environment.
- Vacuum freeze drying is an advanced technological process used for antique papers or irreplaceable books. First the documents are frozen, then the air pressure is reduced causing remaining moisture to evaporate. Large quantities of items can be dried simultaneously.
- Vacuum thermal drying is a quicker process than freeze drying, but it also may distort some materials. This less expensive method is best for common papers where the state of the dried product is not as critical.
- While not a drying method, the process of digitizing documents is useful. Rather than restoration to a physical item, the documents are available as computer files that can be stored and backed up for future use.
When flooding strikes your commercial property in Cleveland, TN, wet documents are not necessarily lost forever. A variety of professional methods are available to save your important business files, photographs or book collections.
After a Flood: What Not To Do
Storm damage led to flooding family room in a Charleston, TN home
If your home in Charleston, TN, is plagued by flood water, you will undoubtedly get a lot of advice about what to do to make the recovery process smoother. Avoiding unnecessary or harmful behavior, however, is just as important, if not more so, than taking positive steps. Here are five actions to avoid so that you don't make a situation that's potentially dangerous worse for you and your family.
1. Don't Stay.
Step one of dealing with a flooded home is getting out of it. Don't try to stay in your house, especially if you have significant damage or if evacuation is recommended or mandated. You could be putting your family's safety at risk.
2. Don't Wade.
A number of problems could arise from standing flood water. It could be charged with electricity, hiding sharp or dangerous items or filled with bacteria. At any rate, you don't want this water to touch your skin or be anywhere near you.
3. Don't Play.
If you are waiting to be rescued or waiting on an adjuster to arrive, you may feel bored. Fight the urge to play games on your phone or use it in any way that depletes the charge. You may need it for emergency reasons, and you may not have any place to recharge it.
4. Don't Buy.
Purchasing new furniture or replacing destroyed items is the very last item on the restoration to-do list. Buying these things before you have a clean, restored place to put them is inadvisable.
5. Don't Hesitate.
You may see widespread water damage all around you, but don't assume that your insurance company and flood restoration specialists won't have time to come and assess your property. Go ahead and give them a call to report the damage to your home. The sooner you call, the sooner they can help.
Flood water in your home is a situation that calls for smart action. Take the steps you need to take, and avoid the things that work against you.
Detecting a Mold Problem in Your Home: 3 Steps To Take
Mold damage in a Charleston, TN home
Finding and resolving a mold problem in your Charleston, TN, home can be a stressful process. Mold can hide and grow almost anywhere there is moisture present and does not need sunlight to grow or spread. However, if you believe there might be mold in your home, there are a few steps you can take, from calling an indoor environmental specialist to learning how to be an amateur mold detective.
1. Learn What You Can
Before you can detect mold, you might want to learn a little about how it grows and what types of environments it likes so you can search your home with more effectiveness. Mold growth is most common in places where moisture and humidity are present, such as a basement, attic or bathroom. There are different types of mold, and you can spot different strains by their light green, white, dark green or black colors.
2. Become a Mold Detective
Once you feel confident that you can identify mold by sight, take a tour around your home to look for patches that might be hiding out of sight under kitchen cabinets or around a leaky water line in your basement. If you do find mold, it is a good idea to call in an expert that can do a mold test and let you know the best way to deal with the issue.
3. Work With a Professional
An indoor environmental specialist from a mold damage and cleanup service can perform a variety of tests to gauge what type of mold is present in your home, how it got there and what can be done to eradicate it. Be prepared with a list of questions for your mold tech so you can feel confident that you are doing everything possible to have the issue resolved so that mold does not return.
Calling in an indoor environmental specialist can help you decide how to handle mold growing in your Charleston, TN, home. However, there are a few steps you can take on your own to kick start the process and be proactive about ridding your property of fungus.
3 Actions You Can Take After a Fire at Your Business
Fire damage roof in a Charleston, TN home
Dealing with the aftermath of a fire at your Charleston, TN, business can be stressful. Even moderate fire damage requires considerable cleaning, and it is likely you are concerned about the safety of your employees and customers as well. However, there are a few actions you can take before you call in a fire restoration and cleanup service that may kick start the recovery process.
1. Take Photos of the Damage
Before you call your fire insurance company, take photos of the damage and avoid touching anything. Focus on areas affected by flames, smoke and water. If flooding from the firefighters’ hoses has occurred, try to take photos from an angle where the depth can be seen if you can do so safely.
2. Evacuate the Area
After a fire, areas of your business may be unsafe or unstable. Evacuate your employees and customers and move them away from the area. Board up damaged windows and doors to let people know the business is temporarily closed. Your fire restoration service can help you with mitigation services that may help keep everyone safe until cleanup efforts begin.
3. Leave the Cleaning to Your Restoration Team
Your cleanup crew will probably offer you a variety of services, from smoke cleaning to water drainage. However, once you discuss the process, it is best to leave the damage as it is so the cleanup technicians can assess it and decide the best way to approach restoration. If you are concerned about any belongings that might have been affected by the fire, ask your techs to keep an eye out for them, but it is a good idea to stay out of the building until it has been properly cleared.
After a fire affects your Charleston, TN, business, the cleanup process can be a daunting one to face. However, having a plan of action can help you move forward to the fire restoration phase as quickly as possible.
How Do I Deduct Storm Damage on My Taxes?
Roof destroyed by storm damage in Cleveland, TN home
Finally, the past year is behind you. Your business in South Cleveland, TN, suffered serious storm damage. After partnering with your commercial insurance agent and a storm restoration specialist, your business is back and better than ever. But, now it is tax time and you have questions. Is the damage tax deductible? If so, how do you deduct the damage on your commercial income taxes?
How To Know What Is Deductible
Taxes are confusing for many people, and business owners are no exception. What aspects of the storm damage to your property are tax deductible?
- Before you consider the costs of the damage, remember that commercial property insurance is also deductible on your business taxes. With that being said, you cannot deduct the funds that were covered, or reimbursed, by your insurance company.
- If you have damage to your business and personal property from the same natural disaster or event, you may only be able to deduct the business loss.
- You can deduct the loss from damage whether you itemize or not.
- For a presidential declared disaster, there may be flexibility in terms of the tax year you deduct the loss.
How To Claim the Tax Deduction
There is a process for claiming a tax deduction for damage to your commercial property. What does this include?
- Complete the Casualties and Thefts IRS Form 4684.
- Only deduct the property loss, not loss of income.
- Prepare to provide documentation of ownership, including initial cost of the damaged property.
- Purchase replacement property within the tax year if you end up with a gain after factoring in insurance reimbursement, or you may end up paying taxes on the gain.
Owning a business in South Cleveland, TN means paying taxes. When your commercial property experiences storm damage, this complicates your tax situation. Understand what is deductible, and what necessary to complete the process to provide the most benefit to you and your company.
Best Ways To Drain a Flooded Basement
Water damage on ceiling in Cleveland, TN home
In some settings, water offers the perfect opportunity for fun, games, play and relaxation. Of course, it’s never good to find it on the floor of your Cleveland, TN, home. A basement flood can cause severe problems, and these incidents can start from many sources. No matter what the culprit may be, it’s essential to get rid of the water as soon as possible so you can avoid further health and safety issues.
Call a Trained Professional
A flooded home can be a daunting task to tackle. Luckily, you don’t have to combat it on your own. If you’ve had water damage, you need to contact a qualified restoration specialist right away. The professionals have the knowledge and tools to remove the water.
- The pros will use a heavy-duty pump to remove standing water.
- For saturated carpets and for smaller problems, the technician will use a wet vac.
- The professional will then thoroughly dry the area to prevent mold growth.
If your basement flood has brought a significant amount of water into your home, you’ll need more than a simple water extractor to get rid of it. This is why the professionals use waterproof pumps to get large volumes of water out of your home. The technician will use different sizes of hoses, depending on how much water is in your home. The person will pump the water out of your home so it will slope toward the storm drain outside.
Even minor floods require intervention. If you neglect this step, mold could grow in your home, and you may have a problem with insurance coverage as well. Wet vacuums are easy to operate and can suck out up to 5 gallons of water per tank from your floor.
As basement flood is nothing you should take lightly. Make sure you hire competent help that will use these effective methods.