Is Flood Damage in Newport Beach Covered By Homeowner’s Insurance?

8/8/2019 (Permalink)

When you’re dealing with flood damage in Newport Beach, the last thing you want to do is worry about the cost. You want to be able to focus on the cleanup, getting your home back to normal. Isn’t homeowner’s insurance something you can turn to?

 While you certainly pay for your homeowner’s insurance to cover damages and financial issues, not every form of cover will help with flood damage restoration. These are the factors you need to consider first.

 Check Your Fine Print

Because floods are becoming a major issue in various parts of the country, many home insurance policies are now cutting out any offer or recovering after flooding. This can depend on the type of flooding, of course. If it’s damage from someone else’s apartment that flows into yours, you can often get the financial help (usually through the other person) but if it’s flood damage in Newport Beach from Mother Nature, it’s going to be harder to get the coverage.

 Make sure you check your fine print before you get your coverage. Speak with your insurance agent for clarification on policy language.  This will allow you to talk about adding some flood damage coverage just in case.

 You can also usually take out a secondary policy that specifically covers some flood damage repair. This is something to consider, especially if you live in a high flood risk part of town.

 Dwelling vs. Personal Property Coverage

You’ll always want to know the type of coverage you have. You can get dwelling insurance, which is great for the structure of your home in case of flood damage in Newport Beach. Should a pipe suddenly burst and your wall or flooring needs repairing, you need to make sure you have dwelling coverage for this.

 What about your property? Burst pipes can damage your laptop or computer through electrics or may destroy your clothing or stored Christmas decorations. Your dwelling insurance isn’t going to help in this case. You need to have personal property coverage.

 Keep in mind that you’ll have a deductible on both of these types of coverage. Make sure what you’re claiming for is more than your deductible. That’s the amount you will pay first.

 Limits to the Amount of Repair for Flood Damage in Newport Beach

Insurance companies don’t have unlimited funds. Many companies will put a cap on the amount that you can claim, and this amount usually helps you set your insurance quote. The more you want to be covered, the more you’d pay per month.

Make sure you look at any of the limits you have on your insurance policy. You don’t want to approve a quote for thousands more than your insurance provider will cover. You have to pay the extra out of pocket.

 Your insurance company will also likely have a limit on the flood damage repair companies. They’ll have an approved list and unless you can prove that the companies won’t work for you, the insurance provider won’t payout if you don’t use someone on this list.

 Your homeowner’s insurance may cover flood damage in Newport Beach, but don’t assume. Always check policy before you sign. If you’re not sure now, check with your policy and take steps to get the coverage just in case.  

4 Quick and Natural Tips for Tobacco Smoke Smell Removal in Newport Beach

7/10/2019 (Permalink)

While we know that smoking is bad for us, not everyone is ready to give it up. But that doesn’t mean you want to leave the smell of tobacco around your home. Whether you have family members who don’t smoke or you have guests coming, you’re possibly looking for tips for tobacco smoke smell removal in Newport Beach.

 These tips include all natural methods. However, if your smoke smell is more stubborn, you may need to look into a professional for the smoke smell removal. Try these four quick and natural tips first.

 Use Vinegar on Carpets and Upholstery

White vinegar is a miracle cure for so many problems. You’ll certainly want to try it out on your carpets, upholstery, and other fabrics. Before you use it, make sure you dilute it as it can be damaging to the upholstery, especially anything that is in direct sunlight.

 Vinegar tends to be a strong smell, overpowering everything else. It isn’t just good for tobacco smoke smell removal in Newport Beach, but also for the removal of the smell of urine, pet odors, and more. Just dab it into sections that may be overpowering, but you can also put in a spray bottle if you have a large section to get it around.

 Baking Soda for Mattresses and Couches

Tobacco smells get deep into fabrics. You want something that neutralizes the smells, which is why you want baking soda for mattresses and couches. This is one of the cheapest and most versatile items for tobacco smoke smell removal in Newport Beach.

 You can just sprinkle over the top of mattresses and couches. From there, brush it in so that it gets deeper into the fibers. It’s also good for carpets and other soft items of furniture.

 The benefit of baking soda is the natural neutral smell. Unlike vinegar, it doesn’t leave another odor behind. You will need to avoid any moisture with baking soda, otherwise it creates a paste that is difficult to remove.

 Lavender for the Woodwork

Essential oils can be excellent for tobacco smoke smell removal in Newport Beach. Lavender is one of the best. Simple dab it over the woodwork and you’ll be able to get rid of the smell and prevent the smell coming back in the future.

 The lavender can also be good for getting rid of yellowing woodwork. The skirting boards in the home are among the most difficult for stain removal, as well as the smell of tobacco smoke.

 Use Vanilla Extract Around the Home

A pleasant smell to overpower tobacco smoke is vanilla. You can use vanilla extract around the home, in every single room of the house! Just soak cotton wool balls in the vanilla extract and leave around the living space.

 You’ll want to replace the balls as they dry out. It’s also important to watch out for ants, as they will be attracted to the sweet smell. Bathrooms and bedrooms can be the best place for the cotton balls, since there won’t be the other food around.

 With the above four natural methods, you’ll soon get rid of smells. If you can’t get manage tobacco smoke smell removal in Newport Beach alone, don’t think twice about getting professional help.

What Happens When You Hire a Restoration Company in Orange County

10/2/2018 (Permalink)

A restoration company in Orange County is usually the first port of call after major damage to your home. Whether it’s from water, fire, or even storms, you’ll want to get a professional in to help return your house to normal.

What exactly will a company do when they’re hired? This is worth knowing to understand timings, steps, and what you need to do.

Assessing the Damage

The first stage is to assess the damage that was caused. A restoration company in Orange Country will need to figure out what has happened and the type of work that is required.

If you’ve suffered storm damage, various parts of your home will have suffered. Fire damage also brings some water damage. Meanwhile, water damage can affect the structure of the home and cause problems to the electrics.

The company will be able to evaluate all the work that’s needed, the equipment required, and the number of people in the team needed. This helps the company set out an estimate and time frame.

Getting Rid of Moisture and Dampness

When just starting, the restoration company in Orange county will get rid of the water and dampness. After that, it’s up to the company to prevent any further dampness and moisture getting in. If you’ve had to have the house leveled and rebuilt or you’ve got issues with broken windows and damaged roofs, the company will ensure the rest of the house isn’t damaged in the future.

It’s important to get rid of all the moisture. Just one little bit can lead to mold growth, causing health problems.

Removing All the Smoke

If your home suffered fire damage, all the smoke residue needs to be removed. This is more than just wiping away the black spots on the wall. The company will need to get into the walls and make sure there is no soot. Smoke left behind can cause breathing problems.

This can be done at the same time has managing the dampness. However, it’s often a slightly lower priority to dampness, which needs removing in 24-48 hours.

Choosing to Repair, Salvage, and Rebuild

The restoration company in Orange County will help you determine which parts of the home can be salvaged and repaired and which parts will need rebuilding. It’s up to you if you want to follow the advice, but a good restoration company will have worked on other houses and seen what happens afterwards.

Sometimes, the restoration may be in two minds if you’ve got them in very early. They may be able to salvage depending on the complexities. They’ll be able to discuss the best cost options for your budget and preferences.

For the most part, the companies like to repair and salvage. After all, your items in the home will be sentimental and could be costly to replace.

Make sure you hire a highly rated restoration company in Orange County. Your insurance company will be able to help, but you don’t have to choose the companies they pay out for. However, you need to act fast.