Considering Add On Insurance for Extended Protection

Considering Add On Insurance for Extended Protection

Factors affecting the approval of claims for foundation repair services, such as policy wording, documentation, and external inspections.

Understanding the basics of add-on insurance for extended protection in home repairs.


When it comes to homeownership, one of the most important considerations is protecting your investment. Home inspections are crucial for detecting early foundation problems foundation repair service areas I-beam. While standard homeowners insurance provides a good foundation of coverage, it often leaves gaps that could end up costing you significantly in the event of certain types of damage or repairs. This is where add-on insurance for extended protection comes into play.

Add-on insurance, also known as endorsements or riders, offers additional coverage that can be tailored to your specific needs. These add-ons can provide extended protection for various aspects of home repairs that might not be covered under a standard policy. For instance, if you live in an area prone to natural disasters like floods or earthquakes, standard homeowners insurance typically won't cover these events. Add-on insurance can fill this gap, ensuring that you're not left with a massive repair bill after a disaster strikes.

Another common area where add-on insurance is beneficial is with expensive items or systems within your home. Standard policies often have limits on coverage for high-value items like jewelry, artwork, or electronics. Similarly, they may not cover the full cost of repairing or replacing major systems like HVAC units, plumbing, or electrical work. Endorsements can extend your coverage to include these items and systems, giving you peace of mind that you won't be financially overwhelmed by unexpected repairs or replacements.

One popular type of add-on insurance is equipment breakdown coverage. This covers the cost of repairing or replacing major appliances and systems due to mechanical failure-something that standard policies usually don't cover. Given that these systems are crucial to daily life and can be very expensive to fix or replace, having this extra layer of protection can save you from substantial financial strain.

Service line coverage is another valuable add-on, especially if you own an older home with potentially aging infrastructure. This type of insurance covers underground piping and wiring leading into your home from public utility connections. Repairs to these lines can be incredibly expensive and disruptive, making this coverage particularly worthwhile for many homeowners.

When considering add-on insurance for extended protection, it's essential to evaluate your specific needs and risks. Talk to your insurance provider about the options available and what makes sense for your situation. Keep in mind that while adding these endorsements will increase your premiums slightly, the potential savings in the long run could be substantial if you ever need to file a claim for something not covered by your standard policy.

In conclusion, understanding and considering add-on insurance for extended protection is a smart move for any homeowner looking to safeguard their investment fully. By tailoring your coverage to include potential risks unique to your property or location, you can ensure that you're well-prepared for whatever challenges come your way-giving you greater confidence and security in your homeownership journey.

Key benefits of obtaining add-on insurance for foundation repair services.


When considering add-on insurance for foundation repair services, it's important to weigh the key benefits to make an informed decision. Foundation repairs can be unexpected and costly, often stemming from issues like soil expansion, contraction, or water damage. Here are some compelling reasons to opt for extended protection:

Firstly, add-on insurance provides financial safety. Foundation repairs can run into thousands of dollars, and without adequate coverage, you might find yourself facing a substantial financial burden. Add-on insurance can help cover these costs, providing peace of mind and protecting your pocket.

Secondly, it offers coverage for various types of damage. Basic homeowners insurance often excludes certain types of foundation damage, such as that caused by soil compaction or settling. Add-on insurance can fill these gaps, ensuring you're covered for a broader range of potential issues.

Thirdly, it can increase your home's resale value. A home with foundation issues can be challenging to sell, and if you do find a buyer, you might have to lower your asking price significantly. With add-on insurance, you can address these issues promptly, maintaining your home's value and appeal.

Lastly, it provides assurance that your home is safe and stable. Foundation issues can compromise your home's structural integrity, putting your safety at risk. With add-on insurance, you can tackle these problems head-on, ensuring your home remains a safe haven for you and your family.

In conclusion, while add-on insurance for foundation repair services may seem like an extra expense, the benefits - financial protection, comprehensive coverage, maintained home value, and assured safety - make it a worthy consideration. It's always better to be proactive about protecting your home and investments.

Common types of coverage provided by add-on insurance policies for foundation repairs.


When considering add-on insurance for extended protection, it's crucial to understand the common types of coverage provided by these policies, especially when it comes to foundation repairs. Foundation issues can be devastatingly expensive to fix, and standard homeowners insurance often falls short in this area. This is where add-on insurance can provide a much-needed safety net.

One of the primary coverages offered by add-on insurance for foundation repairs is protection against natural disasters. While standard policies may cover some aspects of storm damage, they often exclude issues like earthquakes, sinkholes, or floods, which can severely impact a home's foundation. Add-on insurance can fill these gaps, ensuring that your foundation is protected against a broader range of natural events.

Another essential coverage is protection against water damage caused by plumbing leaks or drainage issues. Standard insurance might cover sudden and accidental water damage, but it typically doesn't extend to slow leaks that cause gradual damage to the foundation. Add-on insurance can provide coverage for these more insidious problems, helping to detect and repair leaks before they cause significant structural damage.

Soil-related issues are also commonly covered by add-on insurance policies. These can include soil expansion or contraction, which can lead to foundation settling, cracking, or heaving. While standard insurance might not cover these issues unless they are directly caused by another covered peril (like wind or hail damage), add-on insurance often provides broader protection within its terms related specifically towards foundation repairs caused due soil movement.. Add-on policies may also cover issues related due poor soil compaction prior construction began . Also covered are costs associated repair retaining walls damaged due soil pressure . These factors being covered makes policies highly desirable within regions soil instability known issue . This form extended coverage ensures peace mind knowing financial burden foundation repairs won suddenly fall solely upon homeowner shoulders .

Lastly, add-on insurance can offer protection against construction defects. If your foundation was poorly constructed or has inherent defects, add-on insurance can help cover the costs of repairing these issues, even if they are not the result of a covered event. This can be particularly beneficial for older homes or homes with a history of foundation problems.

In conclusion, considering add-on insurance for extended protection is a wise move for homeowners who want comprehensive coverage against foundation repairs. By understanding the common types of coverage provided by these policies-including protection against natural disasters, water damage, soil-related issues, and construction defects-homeowners can make informed decisions about their insurance needs . Thus safeguarding both financial future home structural integrity . Investment within extended coverage ensures peace mind knowing foundational heart home well protected .

Factors to consider when choosing an add-on insurance policy for your foundation repair needs.


When considering an add-on insurance policy for extended protection on your foundation repair needs, there are several factors to weigh to ensure you're making the best choice for your home and wallet.

Firstly, consider the **coverage details**. Not all policies are created equal, and some may cover more than others. Typically, you want a policy that covers a wide range of potential issues, such as damage from plumbing leaks, soil expansion or contraction, or even natural disasters if you live in an area prone to them. Be sure to read the fine print to understand what's included and what's not.

Secondly, think about the **cost of premium**. While extended protection can save you money in case of major repairs , it shouldn't break your budget on a monthly basis. Compare different providers and plans to find something that fits within your financial comfort zone. Remember, it's about balancing risk and cost.

The **reputation of the insurance provider** is another crucial factor. Do some research into the company's history, customer reviews, and their claim settlement process. You want an insurer who will handle claims fairlyand efficiently when problems arise.. Ask around for recommendations or check online reviews for insights into others' experiences..This isn't something where cutting costs makes sense if it means compromising service quality..]].k..The **deductible amount** also playsa significant role.. A higher deductible usually means lower premium payments ,but ensureyou're comfortable with whatyou'll pay out-of-pocket if something goes wrong.. Don't leta high deductiblecatchyou off guard duringa stressful situation..]]`]It'simportanttoo considerany **existing warrantiesor guarantees**that camewithyour original foundation repairwork.. Some contractors offerlifetime warrantieson their repairs ,soanadd-on insurancepolicymay not be necessary.. Be sureto checkwhatyou already havebeforepurchasingmorecoverage..]]`]Finally ,think aboutthe **peaceof mind**that comes with extended protection.. Foundation repairs can be costlyand stressful.. Knowingthatyou're coveredcan providenot onlyfinancialprotectionbut alsoemotionalrelief.. Ifthis peaceof mindis worththe costfor you ,thenanadd-on insurancepolicymay bea greatinvestment..]]`]Takingallthese factorsinto accountwill helpyoumake an informeddecisionaboutpurchasinganadd-on insurancepolicyfor yourfoundationrepairneeds.. It'saboutfindingthe rightbalanceof coverage ,cost ,andpeaceof mind..

How add-on insurance can mitigate financial risks associated with unforeseen foundation issues.


When purchasing a home, standard insurance policies typically cover primary structures against common risks like fire or theft; however foundation issues caused due weather conditions or movement within earth surface might require additional protection . As foundation problems could lead homeowners towards expensive repairs , potential structural damages alongwith decrease value house , considering an addon insurance becomes essential mitigate financial risk associated unexpected foundation issues .

Add-on insurance specifically designed for foundation coverage can provide extended protection beyond what a standard policy offers. These add-ons typically cover damages resulting from sudden and accidental events that affect the foundation, such as landslides, soil expansion or collapse, and even seepage or leakage from underground water sources . Without this added layer protection homeowner may find themselves facing substantial out pocket expenses repair significant structural damage . Moreover these hidden costs burden might impact savings allocated emergency funds thereby putting families financial stability jeopardy . By optimg extend coverage individuals ensure safeguarding investment ensuring peace mind knowing protected against unforeseen perils related foundations integrity . In essence investing extra premium now could save thousands later providing comprehensive shield securing both property finances future . Therefore prudent consider supplementing existing homeowners policy add on insurance extend protection against foundation related risks thereby mitigating potential financial vulnerabilities associated .

Real-life case studies or examples illustrating the effectiveness of add-on insurance in residential foundation repairs.


In recent years, many homeowners have found themselves navigating the complex world of residential foundation repairs, a journey that can be both financially and emotionally taxing. This is where add-on insurance for extended protection comes into play, offering a lifeline that standard homeowners policies often don't provide. Let's delve into some real-life case studies to illustrate its effectiveness.

Take, for instance, the Smith family from Houston, Texas. After heavy rains, they discovered cracks in their walls and doors that wouldn't close properly-clear signs of foundation issues. Their standard homeowners insurance denied their claim, labeling it as a maintenance issue rather than sudden damage. Fortunately, they had purchased add-on insurance specifically for foundation repairs. This policy covered 80% of their $20,000 repair bill, turning a potentially devastating expense into a manageable one. Without this add-on insurance, they would have been left to foot the entire bill themselves or risk losing their home's value due to an unstable foundation. This kind of financial safety net allows families like the Smiths to protect their investment without breaking the bank and provides peace of mind during stressful situations like these . The Smith family was able to get back on track with minimal disruption because they had planned ahead knowing Houston's fluctuating weather patterns were becoming increasingly erratic .

Another compelling example is that of Mrs. Johnson from Kansas City, Missouri . Her beautifully manicured garden was her pride and joy but her landscaping efforts led her down an unexpected path .She noticed her garden paths sloping unusually ,and became concerned about potential issues beneath her house . Upon inspection ,it was discovered that tree roots had caused significant damage to her foundation ,but her initial claim was denied by her standard insurer as it fell under “gradual wear and tear” .Luckily Mrs Johnson had taken out an additional policy tailored specifically towards residential structure issues just months before discovery this gave her confidence knowing whatever she faced she wouldn't be alone without support from somewhere . Her add on coverage stepped up enabling necessary repairs at fractional cost compared what she would face otherwise proving its worth beyond measure .One thing Mrs Johnson was particularly grateful for was quick turnaround time her insurance company provided ensuring minimal disruption her daily life . She could continue enjoying garden whilst safe knowing structural integrity wasn't compromised thanks timely intervention made possible through extended coverage plan she opted into earlier . These kinds experiences highlight importance considering add on options available when choosing protecting ones biggest asset –home itself . Not only does additional protection save money long term but also ensures homeowners aren't left vulnerable during times needing immediate action ensuring safety wellbeing everyone living under same roof .



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Radon mitigation is any process used to reduce radon gas concentrations in the breathing zones of occupied buildings, or radon from water supplies. Radon is a significant contributor to environmental radioactivity and indoor air pollution. Exposure to radon can cause serious health problems such as lung cancer.[1]

Mitigation of radon in the air by active soil depressurization is most effective. Concrete slabs, sub-floors, and/or crawlspaces are sealed, an air pathway is then created to exhaust radon above the roof-line, and a radon mitigation fan is installed to run permanently. In particularly troublesome dwellings, air exchangers can be used to reduce indoor radon concentrations. Treatment systems using aeration or activated charcoal are available to remove radon from domestic water supplies. There is no proven link between radon in water and gastrointestinal cancers; however, extremely high radon concentrations in water can be aerosolized by faucets and shower heads and contribute to high indoor radon levels in the air.

Testing

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A typical radon test kit
Fluctuation of ambient air radon concentration over one week, measured in a laboratory

The first step in mitigation is testing. No level of radiation is considered completely safe, but as it cannot be eliminated, governments around the world have set various action levels to provide guidance on when radon concentrations should be reduced. The World Health Organization's International Radon Project has recommended an action level of 100 Bq/m3 (2.7 pCi/L) for radon in the air.[2] Radon in the air is considered to be a larger health threat than radon in domestic water. The US Environmental Protection Agency recommendation is to not test for radon in water unless a radon in air test shows concentrations above the action level. However, in some U.S. states such as Maine where radon levels are higher than the national average, it is recommend that all well water should be tested for radon. The U.S. government has not set an action level for radon in water.

Air-radon levels fluctuate naturally on a daily and seasonal basis. A short term test (90 days or less) might not be an accurate assessment of a home's average radon level, but is recommended for initial testing to quickly determine unhealthy conditions. Transient weather such as wind and changes in barometric pressure can affect short-term concentrations as well as ventilation, such as open windows and the operation of exhaust fans.

Testing for radon in the air is accomplished using passive or active devices placed in the building. Some devices are promptly sent to a laboratory for analysis, others calculate the results on-site including digital Radon detectors. Radon-in-water testing requires a water sample being sent to a laboratory.

Retesting is recommended in several situations, for example, before spending money on the installation of a mitigation system. Test results which exceed accuracy tolerances also require re-testing. When a mitigation system installation is warranted, a retest after the system is functional is advised to be sure the system is effectively reducing the radon concentration below the action level, and after any mitigation system repairs such as replacing a fan unit. The US EPA recommends retesting homes with radon problems every two years to ensure proper system function. Due to the vast fluctuation in indoor radon levels, the EPA recommends all homes be tested at least once every five years.[3]

Testing in the United States

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Radon map of the United States

ASTM E-2121 is a US standard for reducing airborne radon in homes as far as practicable below the action level of 4 picocuries per liter (pCi/L) (148 Bq/m3).[4][5] Some states recommend achieving 2.0 pCi/L or less.

Radon test kits are commercially available[6] and can be used by homeowners and tenants and in limited cases by landlords, except when a property is for sale.

Commercially available test kits include a passive collector that the user places in the lowest livable floor of the house for 2 to 7 days. The user then sends the collector to a laboratory for analysis. Long-term kits, taking collections from 91 days to one year, are also available. Open land test kits can test radon emissions from the land before construction begins, but are not recommended by the EPA because they do not accurately predict the final indoor radon level. The EPA and the National Environmental Health Association have identified 15 types of radon test devices.[7] A Lucas cell is one type of device.

Retesting is specifically recommended in several situations. Measurements between 4 and 10 pCi/L (148 and 370 Bq/m3) warrant a follow-up short-term or long-term radon test before mitigation. Measurements over 10 pCi/L (370 Bq/m3) warrant only another short-term test (not a long-term test) so that abatement measures are not unduly delayed.

Progress has been made regarding radon in the home. A total of 37 states have now[when?] passed legislation requiring home-sellers to disclose known radon levels before completing the transaction (although only a handful have introduced criminal penalties for misrepresentation).[8] And over half the legislatures have written radon into their state's building code.[9] Purchasers of real estate may delay or decline a purchase if the seller has not successfully abated radon to less than 4 pCi/L.

The accuracy of the residential radon test depends upon whether closed house conditions are maintained. Thus the occupants will be instructed not to open windows, etc., for ventilation during the pendency of test, usually two days or more. However, the occupants, if the present owners, will be motivated to pass the test and insure the sale, so they might be tempted to open a window to get a lower radon score. Moreover, there may be children or immature teens or young adults in the house who will open a window for ventilation notwithstanding instructions not to do so, particularly in uncomfortably hot weather. Accordingly, whether the potential purchaser should trust the result of such a test is problematic.

Management of radon service provider certification has evolved since being introduced by the EPA in 1986. In the 1990s this service was "privatized" and the National Environmental Health Association (NEHA) helped transition the voluntary National Radon Proficiency Program (NRPP) to be administered by private firms. As of 2012, the NRPP is administered by the American Association of Radon Scientists and Technologists (AARST).[10]

Some states, such as Maine, require landlords to test their rental properties and turn the results in to the state. In limited cases the landlord or tenants may do the testing themselves. The rules in each state vary. In many cases there are private contractors that will inspect hired by the city.

Testing in Canada

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Health Canada recommends regular annual testing, either by hiring a qualified tester or by using a home-testing kit that should be checked quarterly.[11]

Canadian Government, in conjunction with the territories and provinces, developed the guideline[12] to indicate when remedial action should be taken was originally set at 800 Bq/m3 (becquerels per cubic meter) and since reduced to 200 Bq/m3. This new guideline was approved by the Federal Provincial Territorial Radiation Protection Committee in October 2006.[13]

Testing in the UK

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Radon testing in the UK is managed by UKradon and the UKHSA.[14]

Testing in Norway

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The Norwegian Radiation and Nuclear Safety Authority (DSA) developed the protocol[15] for radon measurements in residential dwellings[16] with respect to rental accommodation, which is governed by The Radiation Protection Regulations.[17]

Methods of radon gas mitigation

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Part of a radon mitigation system including the fan and vent pipe is visible near the gutter downspout.

Because high levels of radon have been found in every state of the United States,[18] testing for radon and installing radon mitigation systems has become a specialized industry since the 1980s. Many states have implemented programs that affect home buying and awareness in the real estate community; however, radon testing and mitigation systems are not generally mandatory unless specified by the local jurisdiction.[19]

Anticipated high radon levels can be mitigated during building design and construction by a combination of ensuring a perfectly sealed foundation, allowing sufficient passive dispersal of under-slab gas around rather than through the building, and proper building ventilation. In many instances, such approaches may achieve a sufficient reduction of radon levels compared to other buildings where such approaches were not taken. However, quality of implementation is crucial and testing after construction is necessary. For instance, even a small gap in the sealing of the slab may be sufficient for excessive quantities of radon to enter, given pressure differentials.

Where such approaches were not taken during construction or have proven insufficiently effective, remediation is needed. According to the EPA's "A Citizen's Guide to Radon",[20] the method to reduce radon "primarily used is a vent pipe system and fan, which pulls radon from beneath the house and vents it to the outside", which is also called sub-slab depressurization, soil suction, or active soil depressurization (ASD). Generally indoor radon can be mitigated by sub-slab depressurization and exhausting such radon-laden air to the outdoors, away from windows and other building openings.[21] "EPA generally recommends methods which prevent the entry of radon. Soil suction, for example, prevents radon from entering your home by drawing the radon from below the home and venting it through a pipe, or pipes, to the air above the home where it is quickly diluted" and "EPA does not recommend the use of sealing alone to reduce radon because, by itself, sealing has not been shown to lower radon levels significantly or consistently" according to the EPA's "Consumer's Guide to Radon Reduction: How to Fix Your Home".[22] Ventilation systems can utilize a heat exchanger or energy recovery ventilator to recover part of the energy otherwise lost in the process of exchanging air with the outside. For crawlspaces, the EPA states,[22] "An effective method to reduce radon levels in crawlspace homes involves covering the earth floor with a high-density plastic sheet. A vent pipe and fan are used to draw the radon from under the sheet and vent it to the outdoors. This form of soil suction is called submembrane suction, and when properly applied is the most effective way to reduce radon levels in crawlspace homes."

High radon levels in a Minnesota (USA) basement with a passive under slab vent pipe system can be seen in the left half of the graph. After installation of a radon fan (ASD), a permanent reduction in radon levels to approximately 0.6 pCi/L can be seen in the right half of the graph.
  • The most common approach is active soil depressurization (ASD). Experience has shown that ASD is applicable to most buildings since radon usually enters from the soil and rock underneath and mechanical ventilation is used when the indoor radon is emitted from the building materials. A less common approach works efficiently by reducing air pressures within cavities of exterior and demising walls where radon emitting from building materials, most often concrete blocks, collects.
  • Above slab air pressure differential barrier technology (ASAPDB) requires that the interior pressure envelope, most often drywall, as well as all ductwork for air conditioning systems, be made as airtight as possible. A small blower, often no more than 15 cubic feet per minute (0.7 L/s) may then extract the radon-laden air from these cavities and exhaust it to the out of doors. With well-sealed HVAC ducts, very small negative pressures, perhaps as little as 0.5 pascal (0.00007 psi), will prevent the entry of highly radon-laden wall cavity air from entering into the breathing zone. Such ASAPDB technology is often the best radon mitigation choice for high-rise condominiums as it does not increase indoor humidity loads in hot humid climates, and it can also work well to prevent mold growth in exterior walls in heating climates.
  • In hot, humid climates, heat recovery ventilators (HRV) as well as energy recovery ventilators (ERV) have a record of increasing indoor relative humidity and dehumidification demands on air conditioning systems. Mold problems can occur in homes that have been radon mitigated with HRV and ERV installations in hot, humid climates.[citation needed] HRVs and ERVs have an excellent record in cold dry climates.
  • A recent technology is based on building science. It includes a variable rate mechanical ventilation system that prevents indoor relative humidity from rising above a preset level such as 50% which is currently suggested by the US Environmental Protection Agency and others as an upper limit for the prevention of mold. It has proven to be especially effective in hot, humid climates. It controls the air delivery rate so that the air conditioner is never overloaded with more moisture than it can effectively remove from the indoor air.
    • It is generally assumed that air conditioner operation will remove excess moisture from the air in the breathing zone, but it is important to note that just because the air conditioner cools does not mean that it is also dehumidfying. If Δt is 14 degrees or less, it may not dehumidify at all even though it is cooling.
    • Factors that are likely to aggravate indoor humidity problems from mechanical ventilation–based radon installations are as follows and an expert radon mitigator/building scientist will check for and correct any and all of the following when he or she performs radon mitigation procedures:
      • Air conditioner duct leaks located outside the breathing zone, such as in the attic.
      • Excessive exhaust fan operation
      • Oversize or over-capacity air conditioners
      • AC air handler fans that do not stop running when the air conditioner compressor stops running.
      • Delta tt), which is the amount that the air is cooled as it is passed through the air conditioner's cooling coils. A good Δt performance figure for home air conditioners is about 20 °F (11 °C). In comparison, automobile air conditioners deliver Δt performance of 32 to 38 °F (18 to 21 °C). A Δt of 14 °F (8 °C) will dehumidify poorly if at all.

In South Florida, most radon mitigation is performed by use of fixed rate mechanical ventilation. Radon mitigation training in Florida does not include problems associated with mechanical ventilation systems, such as high indoor humidity, mold, moldy odors, property damage or health consequences of human occupation in high humidity of moldy environments[citation needed]. As a result, most Florida radon mitigators are unaware of and do not incorporate existing building science moisture management technology into mechanical ventilation radon installations. Home inspectors may not necessarily be aware of the mold risks associated with radon mitigation by mechanical ventilation.

The average cost for an ASD radon mitigation system in Minnesota is $1500.[23] These costs are very dependent on the type of home and age of construction.[24]

Methods of radon-in-water mitigation

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Radon removal from water supplies may be at a treatment plant, point of entry, or point of use. Public water supplies in the United States were required to treat for radionuclides beginning in 2003 but private wells are not regulated by the federal government as of 2014. The radon can be captured by granular activated charcoal (GAR) or released into the air through aeration of the water. Radon will naturally dissipate from water over a period of days, but the quantity of storage needed to treat the water in this manner makes home systems of this type impracticably large.[25]

Activated carbon systems capture radon from the water. The amount of radiation accumulates over time and the filter material may reach the level of requiring disposal as a radioactive waste. However, in the United States there are no regulations concerning radiation levels and disposal of radon treatment waste as of 2014.

Aeration systems move the radon from the water to the air. Radon gas discharged into the air is the release of a pollutant, and may become regulated in the United States.

References

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  1. ^ Nunnally, Diamond (2022-03-30). "Dangerous radon gas dangers and detection tips". WBMA. Retrieved 2022-04-10.
  2. ^ WHO Handbook on Indoor Radon: A Public Health Perspective. World Health Organization. 2009.
  3. ^ US EPA, OAR (2013-08-27). "Radon". www.epa.gov. Retrieved 2023-02-04.
  4. ^ "Recommended Residential Radon Mitigation Standard of Practice". United States Environmental Protection Agency. Archived from the original on 2008-01-16. Retrieved 2008-02-02.
  5. ^ "ASTM E2121-03 Standard Practice for Installing Radon Mitigation Systems in Existing Low-Rise Residential Buildings". ASTM International. Retrieved 2008-02-02.
  6. ^ "Commercially Available Radon Kits". Alpha Energy Labs. Archived from the original on 2012-07-12. Retrieved 2012-04-19.
  7. ^ "Radon Measurement Method Definitions". The National Environmental Health Association—National Radon Proficiency Program. Archived from the original on 2007-12-24. Retrieved 2008-02-02.
  8. ^ "State Radon Laws". lawatlas.org. Retrieved 2021-07-12.
  9. ^ "National Conference of State Legislatures (NCSL) - Radon".
  10. ^ "National Radon Proficiency Program - NEHA and NEHA-NRPP History". Nrpp.info. Retrieved 2015-03-30.
  11. ^ "Home radon testing important for health". lethbridgeherald.com. 18 March 2022. Retrieved 2022-04-10.
  12. ^ "Radon Gas | Vancouver, BC, Canada". Radoncontrol.ca. Retrieved 2015-03-30.
  13. ^ "Radon Frequently Asked Questions - Health Canada". Hc-sc.gc.ca. 2014-07-30. Retrieved 2015-03-30.
  14. ^ "UKradon - Home". www.ukradon.org.
  15. ^ "Radon measurements in residential dwellings".
  16. ^ "Radon boliger 2013" (PDF).
  17. ^ "Legislation".
  18. ^ "Radon: Myth vs Fact". Radon-Rid/EPA. Retrieved 2009-11-13.
  19. ^ "Listing of States and Jurisdictions with RRNC Codes". EPA. Retrieved 2009-11-13.
  20. ^ "A Citizen's Guide to Radon" (PDF). EPA. Retrieved 2024-12-27.
  21. ^ "Radon Mitigation Methods". Radon Solution. Archived from the original on 2008-12-15. Retrieved 2008-12-02.
  22. ^ a b "Consumer's Guide to Radon Reduction: How to Fix Your Home" (PDF). EPA.
  23. ^ "Radon Mitigation System - EH: Minnesota Department of Health". Health.state.mn.us. 2014-12-10. Retrieved 2019-03-26.
  24. ^ "Featured Radon Mitigation System Archives". Radonreductioninc.com. Retrieved 2015-03-30.
  25. ^ ""Radon in Drinking Water Health Risk Reduction and Cost Analysis: Notice"" (PDF). Federal Register. 64. February 26, 1999. Retrieved 2015-03-30.
[edit]
  • Radon at the United States Environmental Protection Agency
  • National Radon Program Services hosted by Kansas State University
  • Radon and Lung Health from the American Lung Association
  • It's Your Health - Health Canada
  • Radon's impact on your health – Quebec Lung Association

 

Interior of part of a damaged home in New Orleans after Hurricane Katrina
Family photographs damaged by flooding
A smaller and more minor water spot caused by rainwater leaking through a roof

Water damage describes various possible losses caused by water intruding where it will enable attack of a material or system by destructive processes such as rotting of wood, mold growth, bacteria growth, rusting of steel, swelling of composite woods, de-laminating of materials such as plywood, short-circuiting of electrical devices, etc.

The damage may be imperceptibly slow and minor such as water spots that could eventually mar a surface, or it may be instantaneous and catastrophic such as burst pipes and flooding. However fast it occurs, water damage is a major contributor to loss of property.

An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy. Often the verbiage of this addendum is similar to "Sewer and Drain Coverage".

In the United States, those individuals who are affected by wide-scale flooding may have the ability to apply for government and FEMA grants through the Individual Assistance program.[1] On a larger level, businesses, cities, and communities can apply to the FEMA Public Assistance program for funds to assist after a large flood. For example, the city of Fond du Lac Wisconsin received $1.2 million FEMA grant after flooding in June 2008. The program allows the city to purchase the water damaged properties, demolish the structures, and turn the former land into public green space.[citation needed]

Causes

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Water damage can originate by different sources such as a broken dishwasher hose, a washing machine overflow, a dishwasher leakage, broken/leaking pipes, flood waters, groundwater seepage, building envelope failures (leaking roof, windows, doors, siding, etc.) and clogged toilets. According to the Environmental Protection Agency, 13.7% of all water used in the home today can be attributed to plumbing leaks.[2] On average that is approximately 10,000 gallons of water per year wasted by leaks for each US home. A tiny, 1/8-inch crack in a pipe can release up to 250 gallons of water a day.[3] According to Claims Magazine in August 2000, broken water pipes ranked second to hurricanes in terms of both the number of homes damaged and the amount of claims (on average $50,000 per insurance claim[citation needed]) costs in the US.[4] Experts suggest that homeowners inspect and replace worn pipe fittings and hose connections to all household appliances that use water at least once a year. This includes washing machines, dishwashers, kitchen sinks, and bathroom lavatories, refrigerator icemakers, water softeners, and humidifiers. A few US companies offer whole-house leak protection systems utilizing flow-based technologies. A number of insurance companies offer policyholders reduced rates for installing a whole-house leak protection system.

As far as insurance coverage is concerned, damage caused by surface water intrusion to the dwelling is considered flood damage and is normally excluded from coverage under traditional homeowners' insurance. Surface water is water that enters the dwelling from the surface of the ground because of inundation or insufficient drainage and causes loss to the dwelling. Coverage for surface water intrusion[5] to the dwelling would usually require a separate flood insurance policy.

Categories

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There are three basic categories of water damage, based on the level of contamination.

Category 1 Water - Refers to a source of water that does not pose substantial threat to humans and classified as "clean water". Examples are broken water supply lines, tub or sink overflows or appliance malfunctions that involves water supply lines.

Category 2 Water - Refers to a source of water that contains a significant degree of chemical, biological or physical contaminants and causes discomfort or sickness when consumed or even exposed to. Known as "grey water". This type carries microorganisms and nutrients of micro-organisms. Examples are toilet bowls with urine (no feces), sump pump failures, seepage due to hydrostatic failure and water discharge from dishwashers or washing machines.

Category 3 Water - Known as "black water" and is grossly unsanitary. This water contains unsanitary agents, harmful bacteria and fungi, causing severe discomfort or sickness. Type 3 category are contaminated water sources that affect the indoor environment. This category includes water sources from sewage, seawater, rising water from rivers or streams, storm surge, ground surface water or standing water. Category 2 Water or Grey Water that is not promptly removed from the structure and or have remained stagnant may be re classified as Category 3 Water. Toilet back flows that originates from beyond the toilet trap is considered black water contamination regardless of visible content or color.[6]

Classes

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Class of water damage is determined by the probable rate of evaporation based on the type of materials affected, or wet, in the room or space that was flooded. Determining the class of water damage is an important first step, and will determine the amount and type of equipment utilized to dry-down the structure.[7]

Class 1 - Slow Rate of Evaporation. Affects only a portion of a room. Materials have a low permeance/porosity. Minimum moisture is absorbed by the materials. **IICRC s500 2016 update adds that class 1 be indicated when <5% of the total square footage of a room (ceiling+walls+floor) are affected **

Class 2 - Fast Rate of Evaporation. Water affects the entire room of carpet and cushion. May have wicked up the walls, but not more than 24 inches. **IICRC s500 2016 update adds that class 2 be indicated when 5% to 40% of the total square footage of a room (ceiling+walls+floor) are affected **

Class 3 - Fastest Rate of Evaporation. Water generally comes from overhead, affecting the entire area; walls, ceilings, insulation, carpet, cushion, etc. **IICRC s500 2016 update adds that class 3 be indicated when >40% of the total square footage of a room (ceiling+walls+floor) are affected **

Class 4 - Specialty Drying Situations. Involves materials with a very low permeance/porosity, such as hardwood floors, concrete, crawlspaces, gypcrete, plaster, etc. Drying generally requires very low specific humidity to accomplish drying.

Restoration

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Water damage restoration can be performed by property management teams, building maintenance personnel, or by the homeowners themselves; however, contacting a certified professional water damage restoration specialist is often regarded as the safest way to restore water damaged property. Certified professional water damage restoration specialists utilize psychrometrics to monitor the drying process.[8]

Standards and regulation

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While there are currently no government regulations in the United States dictating procedures, two certifying bodies, the Institute of Inspection Cleaning and Restoration Certification (IICRC) and the RIA, do recommend standards of care. The current IICRC standard is ANSI/IICRC S500-2021.[9] It is the collaborative work of the IICRC, SCRT, IEI, IAQA, and NADCA.

Fire and Water Restoration companies are regulated by the appropriate state's Department of Consumer Affairs - usually the state contractors license board. In California, all Fire and Water Restoration companies must register with the California Contractors State License Board.[10] Presently, the California Contractors State License Board has no specific classification for "water and fire damage restoration."

Procedures

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Water damage restoration is often prefaced by a loss assessment and evaluation of affected materials. The damaged area is inspected with water sensing equipment such as probes and other infrared tools in order to determine the source of the damage and possible extent of areas affected. Emergency mitigation services are the first order of business. Controlling the source of water, removal of non-salvageable materials, water extraction and pre-cleaning of impacted materials are all part of the mitigation process. Restoration services would then be rendered to the property in order to dry the structure, stabilize building materials, sanitize any affected or cross-contaminated areas, and deodorize all affected areas and materials. After the labor is completed, water damage equipment including air movers, air scrubbers, dehumidifiers, wood floor drying systems, and sub-floor drying equipment is left in the residence. The goal of the drying process is to stabilize the moisture content of impacted materials below 15%, the generally accepted threshold for microbial amplification. Industry standards state that drying vendors should return at regular time intervals, preferably every twenty-four hours, to monitor the equipment, temperature, humidity, and moisture content of the affected walls and contents.[6] In conclusion, key aspects of water damage restoration include fast action, adequate equipment, moisture measurements, and structural drying. Dehumidification is especially crucial for structural components affected by water damage, such as wooden beams, flooring, and drywall.

See also

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  • Indoor mold

References

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  1. ^ "Individual Disaster Assistance". DisasterAssistance.gov. Retrieved 2009-09-28.
  2. ^ "How We Use Water". 16 January 2017.
  3. ^ The University of Maine Corporate Extension – www.umext.maine.edu
  4. ^ Herndon Jr., Everette L.; Yang, Chin S. (August 2000). "Mold & Mildew: A Creeping Catastrophe". Claims Magazine. Archived from the original on 2000-08-15. Retrieved November 4, 2016.
  5. ^ Moisture Control Guidance for Building Design, Construction and Maintenance. December 2013.
  6. ^ "Water Damage Restoration Guideline" (PDF). Northern Arizona University. Archived from the original (PDF) on 2013-06-26. Retrieved 2 September 2014.
  7. ^ "The Basics Of Water Damage Restoration Training". www.iicrc.org. Retrieved 2016-11-03.
  8. ^ "Chapter 6: Psychrometry and the Science of Drying". IICRC Standards Subscription Site. Institute of Inspection, Cleaning and Restoration Certification. Retrieved 27 September 2020.
  9. ^ "ANSI/IICRC S500 Water Damage Restoration". IICRC. 22 December 2020. Retrieved 14 February 2022.
  10. ^ "California Contractors State License Board". State of California. Retrieved 2010-08-29.
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Reviews for


Jeffery James

(5)

Very happy with my experience. They were prompt and followed through, and very helpful in fixing the crack in my foundation.

Sarah McNeily

(5)

USS was excellent. They are honest, straightforward, trustworthy, and conscientious. They thoughtfully removed the flowers and flower bulbs to dig where they needed in the yard, replanted said flowers and spread the extra dirt to fill in an area of the yard. We've had other services from different companies and our yard was really a mess after. They kept the job site meticulously clean. The crew was on time and friendly. I'd recommend them any day! Thanks to Jessie and crew.

Jim de Leon

(5)

It was a pleasure to work with Rick and his crew. From the beginning, Rick listened to my concerns and what I wished to accomplish. Out of the 6 contractors that quoted the project, Rick seemed the MOST willing to accommodate my wishes. His pricing was definitely more than fair as well. I had 10 push piers installed to stabilize and lift an addition of my house. The project commenced at the date that Rick had disclosed initially and it was completed within the same time period expected (based on Rick's original assessment). The crew was well informed, courteous, and hard working. They were not loud (even while equipment was being utilized) and were well spoken. My neighbors were very impressed on how polite they were when they entered / exited my property (saying hello or good morning each day when they crossed paths). You can tell they care about the customer concerns. They ensured that the property would be put back as clean as possible by placing MANY sheets of plywood down prior to excavating. They compacted the dirt back in the holes extremely well to avoid large stock piles of soils. All the while, the main office was calling me to discuss updates and expectations of completion. They provided waivers of lien, certificates of insurance, properly acquired permits, and JULIE locates. From a construction background, I can tell you that I did not see any flaws in the way they operated and this an extremely professional company. The pictures attached show the push piers added to the foundation (pictures 1, 2 & 3), the amount of excavation (picture 4), and the restoration after dirt was placed back in the pits and compacted (pictures 5, 6 & 7). Please notice that they also sealed two large cracks and steel plated these cracks from expanding further (which you can see under my sliding glass door). I, as well as my wife, are extremely happy that we chose United Structural Systems for our contractor. I would happily tell any of my friends and family to use this contractor should the opportunity arise!

Chris Abplanalp

(5)

USS did an amazing job on my underpinning on my house, they were also very courteous to the proximity of my property line next to my neighbor. They kept things in order with all the dirt/mud they had to excavate. They were done exactly in the timeframe they indicated, and the contract was very details oriented with drawings of what would be done. Only thing that would have been nice, is they left my concrete a little muddy with boot prints but again, all-in-all a great job

Dave Kari

(5)

What a fantastic experience! Owner Rick Thomas is a trustworthy professional. Nick and the crew are hard working, knowledgeable and experienced. I interviewed every company in the area, big and small. A homeowner never wants to hear that they have foundation issues. Out of every company, I trusted USS the most, and it paid off in the end. Highly recommend.

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