Handling Smoke Damage

How to Deal With Smoke Damage in Your Home

Smoke damage affects the ceilings and walls of a property. This problem is unpleasant and cleaning it is not easy. Smoke is a fuel that fails to burn properly and it is seen in the form of small carbon particles and other elements. After complete combustion, heat, light and carbon dioxide as well as water vapor are produced. These are some of the components of smoke and tiny particles called PM10. PM10 means Particulate Matter whose diameter is below 10 microns. These include small wood tars droplets, soot, ash and gases. Actually, most elements of a smoke have a diameter that is below one micron.

Charring and Soot

Smoke damage causes discoloration and black marks on the ceiling and walls. These are mainly caused by charring and soot. Soot refers to a residue that smoke leaves behind while charring is paint burning. The first thing that you should do when dealing with smoke damage is assessing the damage extent in order to determine if cleaning will solve the problem. Cleaning heavy soot as well as charring that come from flat-painted wall may not be possible. As such, re-painting and priming might be the only option. If charring is not deep, you can use semi-gloss or satin finishes in solving the problem. Colyer Services specializes in Fire and Smoke Damaged buildings.

Fixing the Problem

To fix a damage caused by smoke, you will need Trisodium Phosphate which is a cleaner, 2 buckets, a large sponge, warm water, goggles, cleaning gloves, and cleaning rugs. It is important to note that Trisodium Phosphate is harsh. Therefore, wearing gloves is important to prevent skin irritation. It can also cause eye irritation which can be prevented by the use of goggles.

Blistering and Bubbling

Blistering and bubbling of paints on the ceiling or walls might be due to excessive heat. A blister or bubble can only be repaired instead of being undone.

Dealing With Bad Smoke Odor

Apart from the visible soot buildup and charring, smoke also leaves a bad odor behind. This odor takes some time to disappear and it can be really stubborn. Depending on the strength of smoke odor, there are different methods that can be used to deal with it.

You need to note that if the bad odor caused by smoke has already permeated into the draperies, carets and furnishings, you have to replace or remove them since there is no much that you can do to eliminate the odor.

Call the professionals at Colyer Services to eliminate your smoke damage issues! We work with all insurance companies to assist in getting your claims paid!

If you have issues with Smoke Damage caused by either an internal fire or external fire, contact the emergency response team at Colyer Services immediately!

Mold and Your Insurance Company

Does Homeowners Insurance
Cover Mold Removal?

Don’t wait until you have a household mold problem to ask “does homeowners insurance cover mold removal?” Find out in advance if your insurance will cover a problem if one arises. Mold removal can be extremely costly, so you don’t want to find out too late that you’re not covered.

Coverage really varies from policy to policy, so the only way to know for sure if your policy will cover mold removal is to read your policy carefully. Colyer Services will analyze your policy for you, if you believe you have mold. Some insurance policies contain exclusions, specifically saying they will not cover mold removal. Some will cover mold removal only under certain circumstances. Some will pay for mold removal but not for mold testing, even though you may need to have your home tested for mold in order to find out if there is mold there that needs to be removed. Some will pay only a limited amount for mold removal, even if the actual mold removal process costs more. In some cases, you can pay extra to have insurance for mold remediation.

Contact your insurance agent if you have any questions about your policy. If your policy doesn’t currently cover mold removal, find out if you can add that coverage to your policy. It could save you thousands of dollars down the road.

The Cause of the Mold Problem

In many cases, homeowners insurance mold coverage depends on the cause of the mold problem. Many different things can lead to the growth of mold in the home. If mold results due to a sudden and accidental issue, like a burst pipe, which is covered, insurance is more likely to cover mold removal than if the mold is a result of neglected home maintenance.

Here are some examples:

Water Damage Following a Fire

Homeowners insurance usually covers fire damage. Unfortunately sometimes the water used to put out a fire can lead to later mold problems. If mold results from a fire that is covered by your homeowners insurance, your insurance policy will probably cover the mold removal, as well. Colyer Services covers Fire, Water, and Mold Damage

Water Damage Following a Flood

Mold is a common occurrence after a home has been flooded. Homeowners insurance often does not cover flooding, unless you specifically purchase flood insurance. If your insurance policy does not cover flooding, it probably will not cover mold that results from flooding. It may, however, cover mold following a flood if you have flood insurance. If you live in an area prone to flooding, this is definitely something you should look into.

Water Damage from a Leaky Roof

Homeowners insurance usually won’t pay for water damage that results from a leaky roof, and most policies won’t cover mold damage that results from a leaky roof, either. However, if something happens like a tree limb falls and crashes through your roof, leaving a hole in the middle of a rain storm, that damage usually will be covered by homeowners insurance. In that case, your insurance policy might also cover any resulting mold damage.

Water Damage Due to Broken or Leaky Pipe

Homeowners insurance does not usually cover water damage due to something like a leaky pipe. If your insurance policy doesn’t cover the damage due to the leaky pipe, it probably will not cover a mold problem caused by leaky pipe, either. Some insurance policies will pay for damage resulting from a burst pipe, though, and in that case, they may cover a mold problem resulting from that burst pipe, as well.

Mold Remediation

If you’ve got a mold problem and hope to get your insurance to cover the cost, you’ll need to start by having a consultation with a mold removal professional, like Colyer Services. Our services include Mold Analysis by a third party Lab, inspection, and write up that explains the scope of the problem, the work needed, and the estimated cost that you can give to your insurance company. They may also find “hidden mold” that you weren’t even aware of.

Colyer Services works with all insurance carriers to help you get your claim paid, as well as repair your home!