Assessing Structural Damage After a Severe Storm: A Step-by-Step Guide

9/20/2023 (Permalink)

Keep an eye out for any water leaks or signs of water damage, such as damp or stained walls and ceilings.

Severe storms, such as hurricanes, tornadoes, and thunderstorms, can cause significant structural damage to homes and buildings. Strong winds, heavy rainfall, and hail can all contribute to the destruction of roofs, walls, and foundations. Assessing structural damage after a severe storm is essential to ensure the safety of occupants and prevent further damage. In this blog post, we will explore the importance of assessing structural damage and provide a step-by-step guide on how to assess damage after a severe storm.

The Importance of Assessing Structural Damage

Assessing structural damage after a severe storm is critical to ensure the safety of those residing in the affected property. If there is significant damage to the roof, walls, or foundation, it can compromise the integrity of the entire structure, putting occupants at risk. Assessing the damage will also provide an estimate of the repair costs and help determine if it is safe to continue inhabiting the affected property.

Step-by-Step Guide to Assessing Structural Damage

Step 1: Safety First

Before assessing any damage, ensure everyone's safety by first checking if there are any imminent hazards. Look out for any live wires or gas leaks, and evacuate the affected area if necessary. If you suspect structural damage to the building's integrity, do not enter the premises until it has been cleared as safe by a licensed building inspector.

Step 2: Examine the Roof

The roof is one of the most vulnerable areas during a severe storm. Carefully examine the roof for any signs of damage, such as missing shingles, dents, or cracks. If you notice any damage, it is advisable to get a trained roofing professional to inspect the roof for a more in-depth assessment.

Step 3: Check the Exterior

Inspect the exterior of the building for any signs of structural damage. Look for cracks in the walls, foundation, or chimney, which can indicate structural damage. Check for any areas where the siding has loosened or any openings, such as broken windows or doors.

Step 4: Survey the Interior

After assessing the exterior, it is crucial to inspect the interior of the building for damage. Keep an eye out for any water leaks or signs of water damage, such as damp or stained walls and ceilings. Check for any damage to structural elements such as beams and columns, including any sagging or warping.

Step 5: Document the Damage

When assessing the damage, it is essential to document everything you collect, either by taking photos or videos. This information should be provided to insurance adjusters and contractors, as it is useful in estimating repair and restoration costs.

Assessing structural damage after a severe storm is essential to ensure the safety of occupants and the longevity of the affected property. By following the step-by-step guide outlined above, homeowners can effectively evaluate the extent of any damage sustained during a storm and take the appropriate steps to restore the property to its preloss condition. Remember to prioritize safety, document the damage, and seek the assistance of professionals where necessary.

Unmasking Hurricane Myths: Dispelling Misconceptions for Better Preparedness

6/27/2023 (Permalink)

Hurricanes, with their immense power and destructive capabilities, have long captivated our collective imagination. However, the fascination surrounding these natural phenomena has also given rise to numerous myths and misconceptions. In this blog post, we will debunk some of the most common myths about hurricanes, providing accurate information to help you better understand and prepare for these formidable storms.

Opening Windows Helps Equalize Pressure

One prevalent myth is that opening windows during a hurricane can help equalize the pressure and prevent damage to a building. In reality, this is false. Opening windows can actually allow strong winds to enter, increasing the risk of debris entering the structure and causing additional damage. It is best to keep windows closed and seek shelter in a secure interior room.

Taping Windows Provides Adequate Protection

Many people believe that applying tape in a crisscross pattern across windows will reinforce them and protect against shattering during a hurricane. However, tape does not provide any significant protection against high winds and flying debris. Modern building codes and hurricane-resistant windows are designed to withstand the forces exerted by hurricanes, making taping unnecessary.

Hurricanes Only Affect Coastal Areas

While it's true that coastal regions are more vulnerable to the direct impact of hurricanes, these powerful storms can also have far-reaching effects inland. Heavy rainfall, strong winds, and even tornadoes associated with hurricanes can extend for hundreds of miles from the coast, causing significant damage and posing threats to communities far from the shoreline.

Hurricanes Only Occur in the Summer

While the Atlantic hurricane season officially runs from June 1st to November 30th, hurricanes can develop outside of these dates. Storms can form earlier in the spring or even later in the year. It's important to remain vigilant and prepared throughout the entire hurricane season.

Hurricanes Can Be Stopped or Dissipated

Some individuals believe that various methods, such as firing cannons into the storm or dropping chemicals, can stop or dissipate hurricanes. However, hurricanes are powerful weather systems fueled by warm ocean waters and atmospheric conditions. These storms are beyond human control, and no known methods exist to stop or significantly alter their path or intensity.

Evacuation Is an Overreaction

One dangerous myth is the belief that evacuating during a hurricane is unnecessary or an overreaction. Authorities issue evacuation orders based on the potential risks posed by the storm, including storm surge, flooding, and extreme winds. Ignoring evacuation orders can jeopardize personal safety and hinder the response efforts of emergency services. It is essential to heed the advice of local officials and evacuate when instructed to do so.

By dispelling these common myths about hurricanes, we can promote accurate understanding and preparedness for these formidable weather events. It is crucial to rely on trusted sources of information, such as meteorological agencies and local authorities, when seeking guidance and making decisions during hurricane events. Understanding the facts can help us better protect ourselves, our communities, and our properties in the face of these powerful storms.

Tips to Protect your Business During a Severe Rain or Thunder Storm

8/30/2022 (Permalink)

Tips To Mitigate Potential Damage From A Severe Storm

You can minimize rain storm damage to your Weston, FL, business by cleaning your gutters, inspecting your roof and installing a backflow valve. When a storm brings high winds with thunder and lightning, you will need to apply additional measures to protect your employees and property from harm. 

Stay Away From Doors and Windows
Destructive wind can accompany a severe storm and shatter glass windows, skylights and doors with heavy debris that it carries with it. In addition to instructing employees to remain inside during a severe storm, be sure they know to keep away from all glass windows or doors that could pose a danger if they shatter.

Install a Lightning Rod
Lightning poses a significant danger to your business during a severe thunderstorm, including:

• Fire or explosion
• Short-circuiting of electronics
• Damage to building structure
  
  

Install a lightning rod to prevent lightning from striking your business. The rod will absorb and divert the flow of electricity into the ground, preventing it from targeting your business.

Maintain The Landscape
Significant rain storm damage cleanup is often due to a poorly maintained landscape consisting of overgrown trees whose branches collapse under the weight of heavy, rain-soaked leaves. Keeping trees well-pruned can prevent limbs from falling and damaging your building's structure. Preparing your landscape for a storm by removing signs and moveable objects and debris can reduce the risk of strong winds carrying and depositing them where they can damage your facility.

Keep a Well-Stocked First Aid Kit
Taking measures to keep your employees and customers safe can't always prevent injuries. Taking a periodic inventory of your first aid equipment will ensure you can appropriately treat any injured employees and customers until help arrives.
If you own a business in Weston, FL, you can take preventative measures to protect your property and employees from the damage caused by a severe rain storm, with thunder, lightning and other dangerous conditions.

Situations That Warrant Protection Against Flood Damage

7/11/2022 (Permalink)

Situations That Demand Flood Damage Protection

You take good care of your commercial property in Sunrise, FL so that weather and other problems don't damage your building. You properly insulate your pipes and you make sure that gutters are clean and your roof is in good condition. Certain events, however, can flood your building despite even the best preparations. When these situations occur, you may need to have flood insurance to cover the cost of recovery.

Prolonged Storms

If a hurricane hits your area, it doesn't really matter whether your gutters are clean. The storm and the continual rainfall that probably follows may cause certain problems for your property:

• Standing, contaminated water, especially on lower levels
• Damaged equipment and furniture
• Weakened walls, floors, or ceilings

Your building may flood and sustain water damage when storms arise. If you have flood insurance, you have a way to pay for remediation services, even if the damage turns out to be extensive. 

Melted Snow

Some storms don't cause damage at the time they occur but rather after their effects start to dissipate. When heavy snows start to melt, the runoff has to go somewhere. If there is too much of it or if it melts too quickly, it can flood your building. Your commercial insurance portfolio should contain policies that take this possibility into account.

Busted Dams

Some disasters have little to do with the weather and more to do with the weakening of structures made by humans. Levees and dams are built to control the flow of water and keep it from overtaking an area. When such a structure breaks, the water it releases goes everywhere, including your commercial building. Documenting the event as well as the damage it causes can help your insurance adjuster determine how much your policy should cover.

If you live in an area that floods regularly, regional law may require you to have flood insurance. Even if you don't, however, it's a good idea to have extra coverage just in case you need it.

Do You Need Flood Insurance?

4/16/2022 (Permalink)

While you can't always avoid a flood, there are measures that you can take to protect your business from ruin. Commercial insurance policies that cover flooding are one way to go.

What Are the Stats on Floods?

Despite the danger of floods, many business owners continue to go without flood insurance. This is true even for businesses in coastal areas. That probably comes as a surprise to you, especially when you look at the stats on floods. Here are some facts about flooding that will cause you to think twice about flood insurance:

• One inch of water can cause thousands of dollars worth of damage
  
• Flash floods can carry water around 20 feet high
  
  

How Do You Know if You Are at Risk?

There is a common misconception between low- and no-risk flood zones. Additionally, changing flood maps can take a business from a low-risk area to a high-risk zone at any time. In other words, any business always has a chance of experiencing flooding, so it is best to invest in a commercial insurance policy that covers the damage and the cost of hiring a storm restoration professional for cleanup.

What Are Insurance Options?

The Federal Emergency Management Agency and commercial insurance companies offer flood insurance. Both options will have different coverage choices and associated costs. The key is to choose which one will be best for your business in Weston, FL. Be sure to understand the costs, coverage, and fine lines of any policy before deciding.

How Can You Save Money on Insurance?

As with most insurance types, how much you pay for your flood policy depends largely on your risk factor. To save the most money on insurance, compare several policies, go for a high deductible, and maintain continuous coverage on your business.
Floods can do serious damage to a business. Understanding the threat, options for insurance, those from private companies and FEMA, and how to save money can help you choose a policy to protect against this damage.

3 Mistakes Homeowners Should Avoid After a Flood

3/31/2022 (Permalink)

Because mold thrives in moist environments, it’s vital to begin flood cleanup and restoration endeavors as quickly as possible.

Homeowners Should Avoid These 3 Mistakes After a Flood

Flooding can be a devastating experience for any community to endure. Because many homes in Weston, FL, may be susceptible to this threat, it’s important to carefully evaluate your risks and consider purchasing flood insurance. In the event damage does occur, it’s also imperative that you avoid several key mistakes that could jeopardize both your home’s structural integrity and your claim.

1. Waiting for the Adjuster To Arrive

Floods can affect large areas and many property owners. Because of this, your insurance adjuster may be inundated with claims, resulting in delays. Unfortunately, waiting to commence cleanup efforts can result in extensive mold damage that may further compromise your home’s structure. To avoid this, you may need to commence operations before the insurance representative arrives on the scene.

2. Forgetting To Document Destruction

Properly documenting flood damage is an essential part of the flood insurance claim process. You should compile a list of your damaged or destroyed possessions that includes dates of purchase as well as each item’s value. Because the adjuster may not see the full extent of the destruction firsthand, you must take video or photographic evidence. Failure to complete this important step can jeopardize your claim or result in limited financial compensation.

3. Failure to Remove Saturated Building Materials

Because mold thrives in moist environments, it’s vital to begin flood cleanup and restoration endeavors as quickly as possible. Promptly removing standing water and saturated objects are important step. Opening windows and utilizing fans and dehumidifiers can also expedite the drying process, keeping spores from proliferating.

To be efficient, you should also remove soaked drywall and insulation. This protects your home from extensive mold contamination by eliminating additional moisture zones where the fungus can breed undetected.

Completing a flood insurance claim can be a lengthy process. Cleanup initiatives, on the other hand, mandate a quick response. Understanding how to proceed with the project before the insurance adjuster’s visit can help every homeowner protect their property from additional damage.

Why Flooded Streets Are Dangerous

1/4/2022 (Permalink)

Why Are Flooded Streets Risky?

Many residents of Weston, FL, have probably been faced with the decision of what to do when encountering a flooded street. Perhaps they’ve noticed cars in front of them that have successfully crossed over with no incident, or maybe they believe that the time saved by taking a calculated risk outweighs the consequences of being late to their destination. Whatever the case, it may be better to take a safer route until the water subsides or a disaster recovery team can restore the area, since reputable sources agree that it may not be worth taking that chance.

The Federal Emergency Management Agency

Statistics provided by FEMA show why crossing a flooded street may not be the best idea:

• Most cars can start to float in only one foot of water.
  
• Many vehicles can be affected or even stall in just six inches of water
  
• Even larger cars can be washed away with two feet of rushing water.
  
  

National Weather Service

The National Weather Service has the following flood-related travel tips that may be helpful:

• Avoid lower-lying areas.
  
• Remember it is even more difficult to assess flood dangers at night.
  
• It is better to avoid flooded roads altogether to reduce the risk of drowning.
  
  

Consumer Reports

Consumer Reports notes the potential damage that can result from miscalculating a flooded surface:

• Water can be pulled into the engine and destroy it.
  
• Your car can become totaled.
  
• A flooded road can conceal broken electrical sources that can lead to electrocution.
  
  

The next time you contemplate crossing a flooded street in Weston, FL, remember what the experts say. According to The Weather Channel, 64 percent of deaths in floods between 2004–2010 occurred in vehicles. Even if your experience is not fatal, it can be helpful to understand the risks involved with flooded areas that can mask unpredictable terrain, create unforeseen vehicle damage, or pose serious safety risks.