How To Prevent Mold Damage to Your Home

Mold is, unfortunately, one of those problems that most people do not notice until it is too late. Once a significant amount of mold is present, it may cause wood and other materials to deteriorate. Mold that forms inside the frame of the wall is especially troublesome since it can cause the wall to eventually fail. Cleanup of mold and rebuilding destroyed portions of your Philadelphia area home can be very costly, and you will likely need to call a public insurance adjuster in PA to examine the extent of the damage before you notify your insurance company.

Luckily, mold can be prevented. Here are a few tips to help prevent the harmful buildup of mold in your home.

  • Monitor the humidity level in your home. One simple way to prevent mold is to keep your indoor humidity at appropriate levels. Ideally, this is between 30 to 50 percent. Once the humidity reaches over 60 percent, there is an increased chance of mold growing. Some central air thermostats keep track of the humidity level in your home, but if yours doesn’t, you can buy an inexpensive device from your local hardware store to measure it.
  • Keep your roof gutters clean. When water gets backed up into your gutters, it can begin to leak into the roof and walls of your home, potentially causing structural damage. It is especially important to inspect gutters after storms to make sure they are clean and free of leaks.
  • Use fans for improved ventilation. Exhaust fans in the bathroom and over the stove are essential to remove excess moisture from the air. On particularly humid days, it is also a good idea to keep ceiling fans running to improve air circulation and prevent the buildup of mold.
  • Watch for areas with standing water. There are a few common places in the home that tend to be more damp than others. Basements and crawl spaces tend to be damper than the rest of your home, so monitor those carefully and address issues as needed. You should also check for puddles of water around hot water tanks, refrigerators, and sump pumps. The water should be cleaned up immediately, and any leaks should be repaired as quickly as possible.

 

If you follow these preventative tips, you are less likely to have mold in your home. However, natural disasters like floods or hurricanes can cause mold to grow in your home, among numerous other problems. R.P. Adjustment Group is here for you 24/7 when you need public adjuster services in PA and NJ, so don’t hesitate to give us a call.

3 of the Most Common Home Insurance Claims

Every year, thousands of homeowners file insurance claims for all types of damage to their homes. Minor damage like a single broken window may not require public adjusting for your PA home; however, if the damage is extensive, you should consider calling R. P. Adjustment Group to help you make the most of your homeowner’s insurance policy. Here are three of the most common claims that people file with insurance companies each year.

  • Water damage – Damage from water is one of the most common insurance claims, and there are many reasons why it might happen.
  •       – In the winter, there is the possibility for pipes to freeze and subsequently burst, especially if they are not properly insulated. That’s why even if you’re leaving to go on vacation, you need to keep your heat running and leave faucets set to a trickle.
    •     – When ice dams form in gutters after a winter storm, they can cause water to leak into the roof and inside the walls of your home. If you don’t notice the damage, the water that seeped inside can also begin to grow mold, which can cause even more of a headache.
    •     – Another issue that can cause water damage at any time of year is if a washing machine hose breaks, or a toilet or bathtub overflows. If you’re home when one of these things happens, it’s important to try and curb the damage as much as possible by stopping the flow of water and mopping up excess before it leaks through to the floor below.
  • Wind and hail damage – While perhaps more common in the central United States, also known as Tornado Alley, high winds and hail have been known to cause damage all across the country. Coastal states like New Jersey are also more likely to see damage from hurricanes, although damage from flooding is also a concern with those storms. Hail most frequently occurs during a summer thunderstorm, and it can cause damage to roofs and windows.
  • Fire and smoke damage – Although not as common as the other two types of damage we mentioned, fire damage tends to be one of the most costly insurance claims. A massive blaze may destroy your house and much of your personal property, which can take a huge emotional and financial toll on your family. When your property suffers extensive damage, it’s best to call a public insurance adjuster in PA to ensure you get the compensation you’re entitled to.

When you need assistance after filing an insurance claim, don’t hesitate to call R. P. Adjustment Group.

Winter Storms: What to Do Before and After

Winter storms can be brutal — the howling wind, the bitter cold, the blinding snow — all of these factors combine to create dangerous conditions. It’s important to know how to prepare for a storm so that you and your family can stay safe. It’s also important to know how to react after the storm hits, especially if your home has sustained damage as a result.

Preparation:

  • 1. Make sure you have supplies to last several days. If you get snowed in, you won’t be able to go to the store. Forget the bread and milk, though — make sure you have nonperishable foods, as well as plenty of drinking water, in case your water supply pumps stop working. Refill any necessary prescriptions for your family members. And don’t forget to have food on hand for pets too.
  • 2. Have flashlights and batteries on-hand. If the power goes out during the storm, you will want to have a light source. Consider a hand-crank flashlight, as it does not require any batteries. It’s also a good idea to have a battery charger for your electronic devices.
  • 3. Prevent ice dams in your gutters. When ice builds up at the edge of your roof, it can lead to improper drainage of melting snow. This can unknowingly cause water damage in your home. Make sure you keep gutters and downspouts clear. Consider installing self-regulating heat cables on your gutters to stop the ice from forming.

 

After the Storm:

  • 1. Use caution when venturing outside. As snow melts and refreezes, it becomes extremely slippery and dangerous. When snowdrifts form during a blizzard, it can also be difficult to tell how deep the snow is, or what’s underneath it. Either shovel out the area first or stick to sidewalks that have been cleared.
  • 2. Do not climb onto your roof. Heavy snow on your roof is likely to cause damage, but going up there to shovel it off is not a smart idea. Instead, purchase a snow rake, which you can use from the safety of the ground. If you have multiple stories to your home, then you may need to hire a professional snow removal service.
  • 3. If you find any damage to your home, call a public insurance adjuster. If the storm caused significant damage to your home, including damage caused by water and wind, then you’ll want a professional to evaluate it.

At RP Adjustment Group, we are here to do just that. When you need a public insurance adjuster in Mt. Laurel, NJ to help you get the highest possible reimbursement from your insurance company, give us a call at 800-266-1965. The icy wrath of Mother Nature is unpredictable. Let our highly qualified public adjusters in Moorestown, NJ, help you deal with the aftermath of the next winter storm.

Tips for Recovering After a House Fire

House fires are a type of disaster that we’re sure no one wants to experience. In fact, it’s tough to go through any kind of disaster that occurs at your home, natural or otherwise. If you’ve recently had to deal with a house fire, no matter how big or how small it was, then we’d like to help, because we believe that any type of fire is too much.

Fortunately, there are companies out there that can help people deal with property disasters, and help them get back the money that they deserve. At R.P. Adjustment Group, we’re one of those companies; we have a highly-experienced team of licensed public adjusters in PA and other local areas. Here are some tips on how to recover after a house fire, including how to prevent further damage and go through the claims process:

1. Do not re-enter the home immediately – If you re-enter your home before you get permission from the fire marshal, this may void certain parts of your home insurance policy. Wait for the fire marshal’s permission before you go back inside.

2. Prevent further damage from happening – Once you go back into your home, make sure you do everything you can to prevent any further damage from happening. One of the best ways to do that is to ventilate the area properly.

3. Gather information and evaluate your situation – Now that you’ve taken measures to prevent further damage from occurring in your home, it’s time to gather information and assess your situation. You’ll need a police report, a list of the items that were destroyed, and a description of your home’s condition.

4. Call us at R.P. Adjustment Group – At R.P. Adjustment Group, we’d like to help you get back every penny you’ve lost from the incident. We’ll advocate on your behalf and protect your interests to help you get the most from your policy.

House fires are an unfortunate occurrence. However, you can get through it by using these steps, as well as choosing this public adjusting company in PA. To learn more about our experienced team of public adjustment experts, contact us at 800-266-1965 or go to http://rpadjustmentgroup.com/.

Tips for Surviving a Hurricane: Your Hurricane Checklist

Remember how unprepared residents of Pennsylvania and New Jersey were when Hurricane Sandy devastated homes and businesses a few year back? Many of us were without power, hot water, food and were trapped in our homes for days. In order to make sure we are better prepared if another storm like Sandy hits again, we need to follow our emergency plans and make sure we have everything on our checklists.

We also need to be prepared in case another storm hits again, and our homes and valuables are destroyed. The way to do that is by having a trusted and knowledgeable public insurance adjuster in Fort Washington, PA and parts of New Jersey on your side in case disaster should strike twice.

Here are some tips to surviving a hurricane:

Tip # 1 – Collect All Emergency Supplies

Before the storm hits, go around and collect emergency items, like flashlights, emergency radios, first aid, food and water. Keep them in an interior room away from windows and not on any floors in case of flooding.

Tip # 2 – Board Up Windows

If your home does not have storm shutters, take pieces of plywood and board up your windows a few hours before the storm hits. This precaution will prevent the glass shattering from the high-powered hurricane winds.

Tip # 3 – Move Valuables Away From the Windows

Move your most valuable, fragile items, away from the windows and off the floor. This will prevent your sentimental items and memories from being destroyed by strong winds or flooding. Make sure you safely secure your items in an interior room not located in the basement or first floor of your home. However, if your valuables are ever destroyed you could call a public insurance adjuster, like R.P. Adjustment Group and they would be able to appraise your items and work with the insurance company to recoup payment for your losses.

Tip # 4 – Fill Large Coolers with Ice

The first thing that usually happens during a storm is that you lose your electricity. This cuts off all the power to your appliances including your refrigerator and freezer. If you store blocks of ice in your refrigerator and freezer, this prevents your perishable food from spoiling.

Tip # 5 – Make Sure You Have Several Days of Non-Perishable Food

Non-Perishable food can be anything from freeze-dried meals to canned food. Also, make sure you have plenty bottles of water and a way to boil water, in case your power gets knocked out. A small propane barbecue or campfire grill will do the trick.

Tip # 6 – Have a Month Supply Of Emergency Medication

For people who have diabetes or high blood pressure and regularly use medication, prepare for the hurricane by always keeping a month’s supply of emergency medication on hand. This will allow you to have peace of mind.

Tip # 7 – Charge Batteries For Medical Devices

Many people sleep with devices, such as CPAP machines, that helps someone breathe while they sleep. Make sure their batteries are fully charged before a hurricane hits. If however you do lose power, and your battery drains, then simply plug it into your car cigarette lighter in your car and charge the battery while the car idles.

Tip # 8 – Make Sure Your Gas Tank is Filled

Days before the hurricane happens, fill your gas tanks to all your vehicles. Also, fill portable gas cans with fuel, just in case you cannot get to a gas station if there are long-lasting power outages. Another thing you can do to make sure that you have access to your car and its battery supply, you can park your car out of the area of the flood zones, so that you do not have to worry about your car getting flooded.

Tip # 9 – Introduce Yourself to Your Neighbors

You might talk to your neighbors adjacent to your home, but there are plenty of other people in the neighborhood that you may not know. Make sure you familiarize yourself with those neighbors, so that when the hurricane hits, you can check on your neighbors and offer assistance if needed.

Tip # 10 – Have Evacuation Plans Mapped Out

Finally, if the hurricane is very powerful and the damage to your home is so extensive that you need to leave your home, you should have an evacuation route mapped ahead of time. Provide your friends, family and neighbors with maps and a clear plan of how to get out of their homes and neighborhoods on foot, if necessary.

However, if a hurricane hits and your home and valuables are damaged, be sure to contact your local public insurance adjuster. At R.P. Adjustment Group, we make sure all of your losses are recouped. For more information about our public insurance adjusters in Fort Washington, PA and New Jersey, feel free to browse our website. For a quote, contact us at 800-266-1965.