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How We Can Rescue Your Home from Water Damage

1/12/2024 (Permalink)

A broken pipe leaking water Water Damage in Black Forest, East Colorado Springs, CO.

Water damage is a homeowner's worst nightmare, striking unexpectedly and leaving a trail of destruction in its wake. One common culprit is a leaking pipe, a seemingly innocent issue that can quickly escalate into a major disaster. When it comes to salvaging your home and possessions from the clutches of water damage, we emerge as a beacon of hope. In this blog, we'll explore the nuances of water damage caused by a leaking pipe in a residential home and delve into how SERVPRO's expertise and services can be your lifeline in such dire situations.

Understanding the Impact of a Leaking Pipe

A leaking pipe may start as a minor inconvenience, but its consequences can be far-reaching and devastating. Water seeping into walls, ceilings, and floors can lead to structural damage, mold growth, and the deterioration of personal belongings. Left unaddressed, even a small leak can spiral into a full-blown crisis, requiring extensive repairs and restoration.

The immediate impact of water damage includes structural weakening, compromised electrical systems, and the potential for hazardous mold growth. Additionally, personal belongings such as furniture, electronics, and sentimental items can be irreversibly damaged, adding emotional distress to the already challenging situation.

Recognizing the Signs

Early detection of a leaking pipe is crucial in mitigating the extent of water damage. Homeowners should be vigilant and look out for signs such as:

Water Stains: Discoloration on walls or ceilings could indicate water seepage from an unseen source.

Musty Odors: A persistent musty smell might signal hidden mold growth resulting from water damage.

Decreased Water Pressure: A sudden drop in water pressure may indicate a leak in the plumbing system.

Unexplained Sounds: Dripping or rushing water sounds in walls or ceilings could point to a concealed leak.

Our Role in Water Damage Restoration

We are a renowned leader in the restoration industry, and specialize in water damage mitigation and restoration. Their comprehensive approach involves a series of steps designed to address the unique challenges posed by a leaking pipe in a residential setting.

Rapid Response: Time is of the essence when dealing with water damage. We understands the urgency and provides a rapid response to assess the situation and formulate an action plan promptly.

Assessment and Documentation: Trained professionals conduct a thorough assessment of the water damage, documenting affected areas, and creating a comprehensive plan for restoration.

Water Removal: Using advanced equipment such as industrial-strength pumps and vacuums, we efficiently remove standing water from the affected areas, preventing further damage.

Drying and Dehumidification: We employ industrial-grade dehumidifiers and drying equipment to extract moisture from surfaces and the air, ensuring a dry environment that inhibits mold growth.

Cleaning and Sanitizing: Our team meticulously cleans and sanitizes affected areas, using specialized products to prevent the growth of mold and other contaminants.

Restoration and Reconstruction: We go beyond mere cleanup; they offer comprehensive restoration services, including repairing structural damage and reconstructing affected areas to their pre-damage condition.

Benefits of Choosing Us

Expertise and Experience: With decades of experience in the restoration industry, SERVPRO's technicians are highly trained and certified to handle water damage of any scale.

Advanced Technology: we invest in state-of-the-art equipment and technology, ensuring the most efficient and effective restoration processes.

Insurance Assistance: Dealing with insurance claims can be overwhelming. We work closely with insurance providers, assisting homeowners in navigating the claims process and maximizing coverage.

24/7 Availability: Water damage doesn't adhere to a schedule, and neither do we. Their emergency services are available 24/7, ensuring a swift response to minimize damage.

Commitment to Customer Satisfaction: We are committed to customer satisfaction, prioritizing open communication and transparency throughout the restoration process.

A leaking pipe may cast a shadow of despair over your home, but with us by your side, there's a silver lining. Their expertise, advanced technology, and commitment to excellence make them a beacon of hope in the face of water damage. When the rapids of a leaking pipe threaten to overwhelm your residential haven, we stand ready to navigate the tumultuous waters and guide you safely to the shores of restoration and recovery.

Essential Tips to Protect Your Home in Colorado Springs

12/26/2023 (Permalink)

Cartoon of a man using a blow dryer to heat frozen pipes Frozen pipes in Colorado Springs, CO.

As winter blankets the picturesque city of Colorado Springs with a snowy embrace, homeowners need to prepare for the challenges that come with freezing temperatures. One of the most vulnerable aspects of your home during winter is its plumbing system. Frozen pipes can lead to costly repairs and significant inconvenience. In this blog, we'll explore essential tips to protect residential pipes from freezing during the winter season in Colorado Springs.

Tips To Protect Pipes From Freezing

Understanding the Risks:

Colorado Springs is known for its cold winters, and temperatures often plummet below freezing. When water in pipes freezes, it expands, creating pressure that can cause pipes to burst. This can lead to water damage, costly repairs, and the inconvenience of being without water during freezing temperatures. Understanding these risks is the first step in proactively protecting your home's plumbing.

  1. Insulate Exposed Pipes:

One of the most effective ways to prevent pipes from freezing is to insulate them. Identify exposed pipes, especially those in unheated areas like basements, crawl spaces, and attics. Insulating these pipes with foam or fiberglass sleeves provides a barrier against the cold, reducing the risk of freezing. Pay special attention to pipes near exterior walls and windows, as they are more susceptible to the cold.

  1. Seal Drafts and Air Leaks:

Cold drafts can contribute significantly to freezing pipes. Conduct a thorough inspection of your home for drafts and air leaks, paying attention to areas around windows, doors, and any openings in the walls. Seal these gaps with weather stripping or caulk to keep cold air out and maintain a warmer environment around your pipes.

  1. Maintain Consistent Indoor Temperatures:

Keeping your home consistently heated is crucial in preventing pipes from freezing. Set your thermostat to a temperature that ensures a warm environment throughout the day and night, even when you are away. While it may be tempting to lower the thermostat to save on energy costs, the potential expenses and inconveniences caused by frozen pipes outweigh the short-term savings.

  1. Allow Faucets to Drip:

In extremely cold weather, allowing faucets to drip slowly can help prevent pipes from freezing. The continuous flow of water, even at a minimal rate, reduces the likelihood of water freezing within the pipes. Focus on faucets connected to exterior walls and those located in unheated areas. While this method may increase water usage slightly, the cost is minimal compared to the potential expenses associated with frozen pipes.

  1. Disconnect and Drain Outdoor Hoses:

Don't forget about your outdoor plumbing components. Disconnect and drain hoses, and shut off the water supply to outdoor faucets. Leaving water in outdoor hoses and pipes can lead to freezing, expanding, and potentially causing damage. Storing hoses indoors during the winter is also a good practice.

  1. Install Pipe Heating Cable:

For particularly vulnerable areas or pipes that are more prone to freezing, consider installing pipe heating cable. This electrical heating element wraps around pipes, providing consistent warmth to prevent freezing. Pipe heating cable is a cost-effective solution for added protection in areas where insulation alone may not be sufficient.

  1. Insulate the Water Heater:

Insulating your water heater can also contribute to energy efficiency and help maintain warmer water temperatures. A water heater blanket, made of fiberglass or other insulating materials, can be wrapped around the water heater to reduce heat loss. This ensures that your water heater doesn't have to work as hard to maintain a desired temperature, ultimately saving energy and reducing the risk of frozen pipes.

  1. Be Prepared for Extended Absences:

If you plan to be away from your home during the winter months, take extra precautions to protect your pipes. Set the thermostat to a temperature that will prevent freezing, even in your absence. Ask a neighbor or a friend to check on your home periodically and address any issues that may arise. Consider shutting off the main water supply and draining the pipes if you'll be away for an extended period.

As winter settles in Colorado Springs, CO,  safeguarding your residential pipes from freezing is a proactive measure that can save you from costly repairs and the inconvenience of water damage. By insulating pipes, sealing drafts, maintaining consistent indoor temperatures, and implementing other preventive measures, you can enjoy a cozy winter without worrying about the potential hazards of frozen pipes. Taking these steps will not only protect your home but also ensure that you and your family stay warm and comfortable throughout the winter season.

Winter Wonderland: A Comprehensive Guide to Preparing Your Home for the Chills in Colorado Springs, CO

11/9/2023 (Permalink)

Ice forming around the gutters. Clean out your gutters to ensure proper drainage and to avoid damage to your Colorado Springs, CO, home.

As the crisp autumn air settles in and the leaves transform into a vibrant tapestry of reds and golds, it's a subtle reminder that winter is just around the corner. In Colorado Springs, CO, where winter brings its own unique set of challenges, it's crucial to fortify your home against the impending cold. Join me as we explore essential tips and tricks to prepare your abode for the winter wonderland that awaits.

5 Tips To Prepare Your Home For Winter

  1. Inspect and Weatherproof Your Home: Start by examining your home's exterior for any cracks, gaps, or leaks that could allow cold air and moisture to seep in. Use weatherstripping, caulk, and insulation to seal these openings, ensuring your home remains warm and energy-efficient.

  2. Service Your Heating System: Before the temperature plummets, schedule a professional inspection and maintenance for your heating system. Clean or replace filters, check for any malfunctions, and ensure your furnace or heating unit is in top-notch condition to keep your home cozy throughout the season.

  3. Winterize Your Plumbing: Frozen pipes are a common woe during winter. To prevent this, insulate exposed pipes and disconnect garden hoses. Consider installing heat tape for added protection. Additionally, know the location of your water shut-off valve in case of emergencies.

  4. Clean Your Gutters: Autumn leaves can accumulate in your gutters, causing blockages that lead to ice dams. Clean out your gutters and downspouts to ensure proper drainage. This simple step can prevent water damage to your roof and interior.

  5. Trim Trees and Secure Outdoor Furniture: Heavy snowfall can lead to fallen branches and potential damage. Trim any overhanging branches to protect your home and secure outdoor furniture, grills, and other items that could be affected by winter storms.

  6. Stock Up on Winter Essentials: Be prepared for winter storms by stocking up on essentials such as rock salt, sand, and snow removal equipment. Keep a supply of batteries, flashlights, and non-perishable food items in case of power outages.

  7. Check Your Home Insurance: Review your home insurance policy to ensure you have adequate coverage for winter-related damages. Consider adding coverage for specific winter risks, such as damage caused by heavy snow or ice.

  8. Create an Emergency Kit: Prepare for the unexpected by assembling an emergency kit. Include items like blankets, warm clothing, a first aid kit, and necessary medications. Having a well-stocked kit can provide peace of mind during severe winter weather.

As winter approaches, taking proactive steps to prepare your home for the cold can save you from potential headaches and costly repairs. By following these tips, you'll not only keep your home cozy and safe but also have the peace of mind to enjoy the beauty of winter in Colorado Springs. Embrace the season with confidence, knowing that you've fortified your home against the chill of the Rockies.

Five Leading Causes of Home Fires in Colorado Springs and SERVPRO's Role in Restoration

10/19/2023 (Permalink)

Image of flames coming out from a window in a residential home. A home on fire in Colorado Springs, CO.

Home fires can be devastating, leading to not only property damage but also putting lives at risk. In Colorado Springs, CO, the risk of home fires is a concern due to various factors, including extreme weather conditions, electrical issues, and human error. In this blog, we will explore the five leading causes of home fires in Colorado Springs and discuss how SERVPRO of East Colorado Springs can play a crucial role in restoring your home and helping you get your life back on track.

5 Leading Causes of Home Fires

  1. Electrical Issues

Colorado Springs is no stranger to extreme weather conditions, including harsh winters. The use of space heaters, electric blankets, and other electrical appliances increases during these cold months, leading to a higher risk of electrical fires. Overloaded circuits, outdated wiring, and faulty electrical systems can all contribute to fires.

How SERVPRO Can Help: SERVPRO of East Colorado Springs has a team of professionals trained to assess and mitigate fire damage caused by electrical issues. They can quickly restore your property by repairing or replacing damaged wiring, appliances, and electrical systems. This helps you regain your sense of security and comfort in your home.

  1. Cooking Accidents

Cooking is a common activity in every household, but it also presents one of the leading causes of home fires in Colorado Springs. Unattended stovetops, grease fires, and oven malfunctions can quickly escalate into significant disasters.

How SERVPRO Can Help: In the event of a cooking-related fire, SERVPRO can assist with fire damage restoration. Their professionals are trained to clean and restore areas affected by smoke and soot, including walls, ceilings, and appliances. This thorough cleaning process ensures your kitchen is safe and functional once again.

  1. Wildfires

Colorado Springs is situated in a region that experiences wildfires, especially during the dry and windy seasons. While wildfires often start in the wildland areas, they can spread to residential neighborhoods, putting homes at risk.

How SERVPRO Can Help: In the aftermath of a wildfire, SERVPRO offers services for restoring homes affected by smoke and fire damage. They can clean and rebuild your property, making it safe and habitable once more. Additionally, their professionals have the expertise to address water damage from firefighting efforts, further protecting your home.

  1. Smoking Materials

Smoking materials, such as cigarettes and cigars, are another leading cause of home fires in Colorado Springs. Improper disposal of these materials or smoking indoors can lead to fires, especially if flammable materials like upholstery, curtains, or bedding are nearby.

How SERVPRO Can Help: If a fire is started due to smoking materials, SERVPRO's team can assist with cleanup and restoration. They specialize in removing smoke odors and stains, ensuring that your home is free from any lingering traces of the fire.

  1. Faulty Heating Systems

As temperatures drop in Colorado Springs, the use of heating systems, including furnaces and fireplaces, increases. However, these systems can sometimes malfunction or become a fire hazard if not properly maintained.

How SERVPRO Can Help: SERVPRO can restore your home after a fire caused by a faulty heating system. Their experts can clean, repair, or replace damaged components to ensure your heating system operates safely and efficiently.

SERVPRO's Role in Fire Restoration

SERVPRO of East Colorado Springs plays a pivotal role in helping residents recover from home fires in Colorado Springs. Their comprehensive fire restoration services include:

  1. Assessment and Mitigation: The first step is to assess the extent of the fire damage and take immediate steps to mitigate further damage.

  2. Soot and Smoke Damage Cleanup: SERVPRO professionals use specialized equipment and techniques to clean soot and smoke residues from various surfaces in your home.

  3. Water Damage Restoration: Addressing water damage caused by firefighting efforts or burst pipes is an integral part of their services.

  4. Structural Repairs: SERVPRO can repair or rebuild damaged structural components, ensuring that your home is safe and structurally sound.

  5. Odor Removal: Their experts can effectively eliminate the lingering smoke odor from your home.

  6. Contents Restoration: SERVPRO can restore your personal belongings, such as furniture, electronics, and clothing, that have been affected by the fire.

Home fires are a significant concern in Colorado Springs, and it's essential to understand the leading causes and take steps to prevent them. However, should a fire occur, SERVPRO of East Colorado Springs is ready to step in and help with the restoration process. Their experienced professionals are well-equipped to assess, mitigate, and restore your home, providing you with peace of mind and a fresh start after a devastating fire. By understanding the risks and knowing how to respond, you can better protect your home and loved ones from the threat of home fires in Colorado Springs.

How To Get Rid of Black Mold

9/11/2023 (Permalink)

Mold growing in the corner of a residential home. Mold growing in residential home in Colorado Spings, CO.

If you smell a musty odor in your home in Colorado Springs, CO, a mold inspection is in order. You may have fungus hiding under cabinets, in the attic or in your air conditioner ducts. Locating the problem is only the first step to solving it, though. Here is some helpful information to know before mold mitigation experts arrive at your home.

Information About Mold Mitigation You Need To Know

Where Is Stachybotrys Typically Found?

Stachybotrys, or black mold, needs a warm, wet area that contains cellulose fibers to thrive. There are several common places where it can be found:

  • Drywall
  • Carpet
  • Ceiling tiles
  • Wood furniture
  • Wood paneling

Once a growth gets started, it can multiply quickly. An air test may not reveal stachybotrys strain, because it is often dampened down by extreme moisture. This, however, can make it especially difficult to get rid of without professional mitigation.

How Do Specialists Mitigate Mold Damage?

After the mold inspection reveals the location and extent of the problem, the real work begins. Mold may be black or greenish in color and can infest a whole wall. Once it starts growing down into the pores of the drywall, a surface cleaning won't suffice. The materials must be completely torn out to get rid of it. Once all the house mold is gone, the remaining surfaces must be cleaned and dried to prevent additional growth. Before technicians can rebuild the structure and bring in new flooring and ceiling tiles, an additional test is helpful to ensure that no fungus problem remains. Restoration is the final step to getting your house back to normal.

If you suspect you have stachybotrys or any other black mold in your home, a professional mold inspection can give you the confirmation you need to start the mitigation process. No matter what kind of mold you have, prompt attention and thorough remediation are vital steps for getting rid of it.

What Do I Do if My Fire Sprinklers Accidentally Discharge?

8/31/2023 (Permalink)

Image of a fire sprinkler going off Consider these tips if your Fire Sprinklers Accidentally Discharge.

Many commercial building owners are wary about having a fire sprinkler system in their commercial buildings because of the risk of it accidentally discharging and flooding the building. Although the chance is minuscule, there are no guarantees that something won't happen at some point.

If your Colorado Springs, CO sprinklers do go off for whatever reason, getting the water deluge stopped quickly is the primary goal. If you can contain it right away, you can typically avoid significant water damage. There are various reasons why fire sprinklers sometimes discharge unexpectedly.

  • Overheating
  • Freezing
  • Defects and Damage
  • Corrosion
  • Vandalism

Steps To Take After an Accidental Discharge

Getting a fire sprinkler inspection once a year can help prevent accidents. An inspection can also ensure your sprinkler system will work properly if you need it. If, by chance, you've experienced this misfortune, you know it's essential to understand what steps to take to immediately begin mitigating the damage.

  1. Cut Off the Water Supply

First, shut off the sprinklers' water supply. If it's just an accidental discharge, you can do it yourself. However, if they went off due to a fire, the fire department would have to turn them off.

  1. Call For Help

Most likely, you won't be able to shut off the water in time to avoid a lot of water in your building. It's best to hire flood damage restoration specialists to handle the job. This company can do most of the work, such as extracting the standing water, removing unsalvageable materials, cleaning, sanitizing, drying, and repairing structural damage. They have industrial-grade equipment such as water pumps, fans, and dehumidifiers for fast, effective remediation. They can also perform an inspection when they finish the job to make sure you can avoid mold growth. Hiring professionals can give you peace of mind knowing your building is returned to its preloss condition.

  1. Detail the Damage

As soon as you get everything under control and can safely do so, it's best to document the flooding and other damage with notes, photos and videos to show your insurance adjuster for a more accurate claim. They will want proof of the damage from as close to the time of the occurrence as possible.

  1. Contact Your Insurance Company

Next, contact your insurance company to commence the claim process. They will probably send an adjuster to survey the damage in person. The restoration company will likely bill your insurance company directly for the work they perform; this should avoid out-of-pocket costs, at least in the short term.

  1. Salvage the System Parts

In the case of an accidental discharge, it's helpful to save as many of the sprinkler parts as you can. Doing this can help professionals determine why the system was activated. When your fire sprinklers go off for seemingly no reason, you can incur a significant loss.

However, the risk of a fire is greater than the risk of flooding from an accidental discharge, so it's definitely preferable to have a sprinkler system in your building. At the same time, it can also prove beneficial to know what actions to take if the worst happens. Taking quick action can help you mitigate the loss as much as possible.

Why Board Up Services Are Necessary After a Fire

8/31/2023 (Permalink)

Image of a boarded up house with letters saying "Board Up" Board up home in Colorado Springs, CO, after fire damage.

If you’re dealing with the aftermath of a fire in your Colorado Springs, CO, home, there are many steps you need to take to help restore your living space. While you go through the recovery process, it’s important to have board-up services performed on your home to help protect it from further damage. Here are some of the main benefits of having your home boarded up during the fire cleanup process.

Helps Prevent Further Damage

While you’re already dealing with costly fire damage, the last thing you want is for your home to become exposed to additional harm. Failing to have your building boarded up in the aftermath of a fire can make it vulnerable to elements such as:

  • High winds
  • Water
  • Debris
  • Animals

Be sure to cover up any holes in your roof or walls by using emergency board-up services in order to keep further damage at bay.

Satisfies Insurance Requirements

In many cases, your insurance company will require you to take reasonable measures to prevent additional harm to your home after a fire. These measures may include board-up or tarp over services. In order to have your insurance claim approved, make sure you have restorative services performed on your home as soon as possible.

Keeps Away Intruders

If your home is left exposed after a fire incident, it can invite intruders to cause further damage. Whether they steal your property or access your private information, home intruders can find many ways to wreak more havoc on your living space. When you have your home boarded up by professional services, you can prevent intruders from entering your home and causing more distress.

Contacting an emergency restoration company to perform board-up services can safeguard your home after a fire incident. It's crucial to take this simple step to protect your living space from any additional forms of damage.

Is Your Water Heater Making Strange Noises?

8/31/2023 (Permalink)

Image of a person fixing a water heater Make regular maintenance on your water heater to avoid damage in your Black Forest, CO, home.

Water heater noises are not unheard of, but they can definitely be not only annoying but also worrisome. Is the noise indicative of a problem with the appliance, or is it just getting older? You should hire professionals to regularly maintain your Black Forest, CO, home's appliances to keep them running at their best. However, there's a good chance at some point in your water heater's life you'll hear it making sounds.

What Is Causing All the Noise?

  1. The Top Heating Element Is Loose

The top heating element on your electric heater could make a humming noise. When cold water flows into the tank, it can cause the heating element to vibrate, which causes humming. This issue can usually be solved simply by tightening the heating element.

  1. Sediment and Minerals Have Accumulated

Mineral deposits and sediment can begin building up in the heater's tank, gradually accumulating over time. The mineral deposits tend to coat the tank's interior while the sediment will settle at the bottom. Mineral buildup is more of an issue in locations with hard water. When the water heats, the minerals traveling within the water will separate and stick to the inside of the tank (i.e., limescale buildup). As the water heats up, steam builds up underneath sediment. The bubbles can make a loud popping noise. A water heater flush should be performed occasionally as part of the maintenance process so that this buildup doesn't get out of control. A rumbling sound can happen due to similar circumstances, indicating that the sediment buildup has become significant.

  1. Water Pressure Is Fluctuating

If you hear a ticking sound, your plumbing could be experiencing pressure fluctuations. It could be coming from one of the water inlet or outlet nipples if they have a heat trap. These types of nipples improve the energy efficiency of a water heater but can cause noises at times.

  1. Water Flow Is Being Blocked

Do you hear your unit making noise when you run the hot water? If you hear a sizzling noise, it could mean that water flow is being restricted.

  1. The Water Source Is Causing Issues

Maybe you hear a popping sound coming from the water heater. In this case, it could be the anode rod if it's made of aluminum. Aluminum can react with a high pH level, causing aluminum hydroxide to form a gel-like material in the tank. If this happens, you'll need to flush the tank and replace the anode rod with one made of magnesium that won't create a reaction.

  1. Condensation and Leaks Are Occurring

If you hear a sound like running water coming from the unit, you may have a pipe leak. You could also get a sizzling sound from the appliance if you have a gas heater with a condensation problem. If you don't catch this issue right away, you may not only need a plumber but also a water damage restoration professional.

Water heater problems can be annoying and possibly even damaging to the unit and your home. Anytime you hear strange noises, be on the safe side and have someone inspect your heater and plumbing.

Mold Prevention After Flooding

8/18/2023 (Permalink)

Image of a person looking at mold growth in a white wall Mold growth in Colorado Springs, CO.

If a heavy storm floods your home in Colorado Springs, CO, you want to call water damage specialists right away. Delaying remediation can lead not only to further saturation and subsequent damage but also to secondary issues such as mold growth. To keep rampant fungus from invading your home, you must have water damage repaired as soon as possible.

3 Steps For Mold Prevention After Flooding

1. Water Removal

Getting rid of excess water after a flooding event entails more than just pumping the standing water out of your living room. There are many places unwanted moisture can hide:

  • In crawl spaces
  • Behind walls

2. Under carpets or tiles

Mitigation experts know exactly where to look to dry your home and prevent secondary damage. They understand each step they need to follow to head off secondary damage at the pass.
Fast Remediation
Mold growth can occur within as little as 24 hours after a flood. Mold feeds on moisture and bacteria, and that's exactly what constitutes the floodwater that invades your home. If you hesitate to call the professionals or try to deal with the problem on your own, you may end up costing yourself a lot of money in the long run.

3. Thorough Cleanup

Even if you do call for water damage repair as soon as the storm passes, widespread destruction throughout your area can present a challenge to timely remediation from local services. If mold removal has to be added to the list of services you need for your home to be restored, it's imperative that the cleanup job is thorough. Mitigation professionals know that they must do more than wipe down the surfaces where mold is showing. They may have to tear out and replace porous materials that the fungus infiltrates to keep it from coming back.

Getting rid of the water in your home after a flood in a timely manner solves more than one problem. It gets your home back to normal faster and prevents further complications such as mold growth.

3 Times When Fire Damage May Not Be Covered by Insurance

9/15/2022 (Permalink)

Image of a building on fire A fire can leave severe damage to your building.

Property insurance usually provides coverage for damage caused by a home fire. However, there are circumstances where most property insurance policies will not cover the damage. These are three of the most common.

3 Most Common Times When Fire Damage May Not Be Covered by Insurance

  1. The Fire Was Deliberately Set by the Homeowner

Arson is a criminal act where someone deliberately sets fire to their own property or the property of another. Almost all insurance policies exclude coverage for intentional and criminal acts. If you or a member of your household deliberately set fire to your property, then your insurance company will probably deny the claim and you may face criminal prosecution. However, the insurance company has to be able to prove that the fire was started by arson.

  1. The Fire Was Caused by an Act of War

Most insurance companies also exclude coverage for damage from a home fire that occurs because of an act of war. Fortunately, there are few times when this exclusion would ever come into play. Actions that may be considered acts of war include insurrections, revolutions, invasions, military coups and terrorism. This exclusion exists because of the potential cost of claims and the difficulty involved in computing an appropriate premium to charge.

  1. The Property Is Vacant

Most insurance policies exclude damage caused by a vacant home fire if the fire was deliberately set. This is because policies exclude damage caused by vandalism or malicious mischief when a building has been vacant for more than 30 days before the loss. However, this provision is a topic of legal debate and whether your insurance company can exclude coverage for fire restoration largely depends on the legal interpretation of the courts in Black Forest, CO.

Most damage from a home fire is covered by property insurance; however, there are times when exclusions may apply. Your insurance company must be able to prove that the damage falls under one of the exclusion clauses in your policy to successfully deny a claim.