A1 Foundation Crack Repair Blog

When you buy your homeowners insurance policy, you may think you are covered when it comes to water damage. But there are many scenarios where insurance does not cover damage caused by water. With so many home insurance mold claims and water damage claims being denied, there is a lot of confusion about what types of water damage is covered by homeowners insurance.

Water damage is defined differently than flood damage in a policy. What types of water damage is covered under your homeowners insurance?

Homeowners insurance does not cover water damage caused by floods, but there are some kinds of water damage it does cover.
 
Generally, homeowners insurance pays for damage from rain coming through a hole in the roof or a damaged skylight or window, but only if that damage was caused by a storm.

If the hole or the window was damaged from neglect, then, no, the water damage is not covered. Water in your basements caused by floods is also NOT covered by your homeowners policy.

Many of our customers have water damage due to leaky pipes that causes water damage overtime. This is not covered, again neglect. When pipes freeze or break due to the cold, the resulting water damage is covered by your policy.

Most insurance companies cover all water damage inside the house (leaking of or damage to the washing machine, water heater, bath tub), including the basement. Essentially if the water damage was caused by damages from a storm, which is covered, then the water damage is covered; but remember, floods are different.  If the water damage is caused by lack of home maintenance, the water damage is not covered.  

If you are not sure what type of water damage is covered, review your policy or ask you insurance company. The best bet is to stop water before it enters you basement, contact A1 Foundation Crack Repair.

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Too many people are dealing with wet basements. Now that the hurricane is over you can address your wet basement problems and be prepared (and relaxed) for the next time. You need to not only clean up the water, but you need to prevent basement floods from happening again. Because, as many people found out, sump pumps are great, but if there is no power, there isn't a whole lot you can do.

Keep in mind that you have about 48 hours to get your basement dry before mold starts to grow. Water extraction is the key. It is important to get dehumidification equipment into your basement. You need the air to be dried out and dehumidified. Often sheet rock or plaster has to be removed and you need to get air behind the walls in order to get it dry. 

After you have your basement dried out, you need to take steps to ensure that you don’t get water again. It is a fact, if you get water in your basement once, you will get it again.   The first step is to figure out where it came from in order to address the best way of eliminating it in the future.

If you got water in your basement from the hurricane, contact A1 Foundation Crack Repair so we can help prevent you from EVER taking in water again.

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One of the two leading causes of poor indoor air quality is mold growth.

Mold can form and grow on any surface that provides a food source surrounded by moderate temperatures, oxygen and sufficient moisture. The best examples of mold food sources are cellulose-based substances, such as rugs and wood. In today’s hoomes, food sources for mold are readily available in the form of untreated paper-faced gypsum board, wood wall studs and wood-based sheathings as well as furniture.

Once moisture is exposed to the mold food source, long-dormant mold spores can gain a foothold. As long as the food and moisture sources are supplied, the mold colonies will continue to grow and prosper. When mold has spread throughout a basement or home, you may notice unpleasant odors and experience a variety of health problems, such as headaches, breathing difficulties, skin irritation, allergic reactions and aggravation of asthma symptoms.

Here are some methods of airborne contaminant capture and removal:

• Remove particulate matter through filtration
• Manage moisture and humidity by adding dehumidifiers where necessary
• Clean dehumidification systems, including drain pans
• Clean humidifiers, dehumidifiers, and water spray systems
• Employ moisture management strategies in the home's envelope.

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It is summer and the basement is moist. You may not see any water, but if you can smell it and feel it, it is there. You may have a basement water proofing system in place, or perhaps you don’t have water seeping in your foundation from pipes or floor cracks. That’s the good news. The bad is that, this doesn’t necessarily mean that your basement is dry.

Often water enters a basement through capillary action, which wicks moisture through walls and floors. The floor and walls may not leak, but it feels damp to the touch because it wicks the water in to the surface. Water vapor also slowly seeps in through the concrete and raises the humidity. Basements act as chimneys pulling the outside air in the house and letting it out on the upper floors.

Humidity increases and condensation results as the hot outside air meets the cool basement.  Even without condensation basements tend to have high humidity levels and mold grows rapidly, generating that musty basement odor. Dust mites love that high humidity too.

There are only two possible ways to eliminate condensation: heat the air or pull the moisture out of it. Obviously heating your basement to match the outside temperature is counterproductive, so the only real option is to dehumidify.

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Most basements, because they are built into the ground, present the possibility of invasive water, making what was once a dry basement into a wet basement. This is because water in the soil can put constant pressure on basement walls. Also, water follows the path of least resistance and over time can find its way into a basement.

With real estate transactions there are more problems with wet foundations and basements than any other physical problem in a house. Therefore, it's important when buying a house with a basement to check for signs of dampness in the basement. Also, if you want to sell a house, you need to get your basement water problems fixed the right way. As the buyer, the seller may be unaware of the water problems, or they may choose to not disclose the issue.

Signs of a Damp or Wet Basement

• Water stains along walls or floor. This could be caused by something simple such as an overflowing laundry tub or it could be a result of water seeping in through basement windows, the walls or the floor.
• Musty odor or damp smell. Excess moisture in a basement can cause an unmistakable smell.
• Mold. It could be colored black, brown, yellow or green, and you won't know for certain if it's mold without testing it. Often the northwest corner of a house is known as a "cold corner" and susceptible to developing mold.
• Efflorescence. This condition produces a white or sometimes grayish ash on the walls. Sometimes it sparkles. Efflorescence is caused by salt deposits left behind by evaporating water.
• Spalling. When water gets inside the surface of concrete, brick or stone, salt deposits from the water cause the surface to flake away, peel or pop off.

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If you find that there is mold growing in your home from a wet or damp basement, you need to act fast in order to remove it. However, if you have a mold problem that covers more than a 10-foot by 10-foot area, consider calling a professional.

When dealing with mold removal, be careful, once mold is disturbed it will release mold spores that can cause additional growth, or those spores can lead to health problems.

The first phase of work will be to completely remove drywall and carpet and all other “non permanent” affected items.  Also remove any furnishings that are carrying mold.  It is rare that these items can be saved once they have mold.

Once that is completed, it is time to clean the mold.  Use a cleaning product that is designed specifically for mold removal.  This will ensure that the spores have been killed, and the entire mold organism has been removed.  You must be very thorough, especially in wall and ceiling cavities. 

Remember that mold spores are often invisible.  So, even though the visible mold has been removed from surfaces, the spores could remain in the air for quite some time. It is very important to isolate the area where you have mold from the rest of the house because mold spores are designed to travel in the air until they can find a place to settle which is good for growth.  Mold spores need warmth, moisture, and a food source.  The food source can include wood, drywall, paper, fabrics and other typical household items. 

The next step is to eliminate the moisture and the food source.  The mold cleaning detergent needs to eliminate the food source from the washed surfaces but you also need to lower the humidity levels in the area.  The temperature in the space should be higher than normal because this will promote faster drying.  Be sure to close any windows or doors to the outside as well, so that humidity from the outdoors cannot come in.

The basement or other affected area should have good airflow for several days, so use fans; but most importantly, be sure to have a dehumidifier in this space.  It should be a reliable, powerful unit that will remove moisture from the air into either into a reservoir or a hose running to a drain or sump pump.  With a moisture meter you can regularly check surfaces and materials for moisture content.  Once you are able to get walls and floors to 12% moisture content or less, mold growth can no longer be sustained.

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Mold problems might occur with home basement dampness or flooding. Mold is a living organism that thrives in wet or damp environments. Usually, the food source for mold is cellulose such as the paper on drywall, wood products or paint on concrete. It can even appear on the surface of metal in the right conditions.
 
Therefore a home and its contents are a food source for mold. Many people believe that molds can be cleaned with household bleach. When you clean mold with bleach you will see the mold disappear. But the underlying root system of them mold is unaffected by the bleach, and the molds will reappear within a few days.

You can't clean mold; it must be removed from your home. In the case of mold-infested drywall, paneling and acoustical ceiling tiles, the damaged areas should be cut out and discarded. You do not often see mold on older homes with plastered walls, but it will appear on the paint on the plaster. When this happens, the paint should be scraped off to remove the root system before repainting.

Mold usually does not appear on fabrics, but they can carry mold that can be transferred to cellulose and wood products in your house. So, wet or damp carpeting should be removed to allow the wood-floor surface to dry. Vinyl floor coverings also must be removed if you notice dark spots forming under the finished surface of the vinyl.

If you have a large mold problem in your home, it should be professionally mitigated and the humidity in your home should be controlled with a dehumidifier. Cracks in the basement concrete floor and/or foundation that allow in water need to be repaired. Continuous water damage or moisture in your home exacerbates the mold problem and may lead to issues with the structural integrity of your home or foundation.  The most important control for mold in any home is humidity control. Keep the area dry, because without moisture, though molds may be present, it cannot thrive.

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Sometimes, no matter what, when you live in a flood zone,  your house will flood in heavy rain. I have a friend who lives on a street called Water Row Lane, and last year their neighborhood had to collectively rent the Boston Duck Boats for 2 weeks to transport them from their homes to their cars in a nearby parking lot.

Water, might be good for flowers, plants, and trees, but it’s not so good for houses.

Live in a flood zone?

If you live in an area that has a high flood risk, elevate the furnace, water heater, electric panel, washer and dryer in your home at least 12 inches above the projected flood elevation.

You should have check valves installed in your home to prevent flood water from backing up your drains.

Have a sump pump installed,  and if you have a sump pump, make sure it’s working and install a battery-operated backup, in case the power goes out.

Clean debris from your gutters and downspouts.

After a flood

Check outside for loose power lines, gas leaks, foundation cracks or other damage. Make sure your porch roofs and overhangs still have their supports. Check your home’s and your out building’s foundations for settling, cracking or undermining. If you see damage, get a building inspector or contractor to check the home before you go inside.

Turn off all electrical switches, even if the power is out.

While the electricity is off, hose down the house to remove any health hazards left by floodwater and mud.

If your furnace or water heater floods, have a technician check them before turning them on.

If your basement is flooded, pump the water out in stages.

Dry out appliances such as washers and dryers before using them. They might need several days to dry.
 
Mold

Mold can produce allergens, and, in some cases, potentially toxic substances that can make you sick, so you need to ensure your home is as mold-free as possible.

Water damage should be taken care of within 48 hours after the incident or mold growth (or worse, bacteria and viruses) will occur.

The best way to prevent mold is to remove wet contents from your home immediately.

Wet items should be cleaned with a pine-oil cleanser and bleach, completely dried, and monitored for several days for any fungal growth and odors.

Dry out damaged rooms by opening windows and using high-pressure fans. If your carpets are damaged, you should strongly consider installing new ones.

Keep the indoor humidity low, ideally from 30 percent to 50 percent. Make sure places of high humidity, such as bathrooms, are well-ventilated. Use a dehumidifier whenever necessary.

Even if you remove the mold, if the water problem (i.e. a leaky pipe or cracked foundation) is not fixed, the mold will come back.
 
Hiring a Contractor

Do the research. Ask friends and neighbors and read reviews. Make sure the contractor can do the type of work needed, foundation and basement crack repair . And check the contractor’s current references.

Check withe the Better Business Bureau, A1 Foundation Crack Repair has an A+ Rating.

Contractors can’t collect more than one-third of payment up-front unless the job requires materials that must be specially ordered. They also cannot demand any payment before the contract is signed.

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A leaky basement can be a nightmare. Regular dampness can cause mold growth and musty smells, stored items can be ruined, and the foundation of your home can even be damaged by regular water.  If you have moisture, drips, seepage, or other water related issues in your basement, you need to get it sealed and dried out fast, before bigger problems develop.

The first step to eliminating the moisture problems in your basement is to identify the source of the water. Once you have located where the water is entering the building, you can resolve the problem.

Drainage Problems

Exterior drainage issues can be a major source of water in your basement; if water is brought away from your foundation, it can work its way inside. If you notice water flowing toward your house on rainy days, have blocked or malfunctioning gutters, or can see any signs of erosion, you likely have drainage problems. Some drainage problems are easy to fix: clean and repair your gutters if they aren't working. Pay special attention to downspouts, and be sure that they are directing water away from your house. Other drainage issues can be more difficult to fix. If it isn’t the gutters, you'll want to consult a professional basement waterproofing company. They will be able to identify problematic water patterns.
 
Basement Leaks

Water can also work its way into your basement through cracks or crevices in your foundation. This type of problem usually manifests itself as a visible break or fracture, a trickle of water, or a damp spot. Basement leaks can also be caused by porous foundations. There doesn't necessarily have to be a crack for water to be seeping in. You have a number of options for waterproofing your basement and A1 Foundation Crack Repair, waterproofing specialists, can provide professional basement sealing results.

Make sure you address water problems in your basement promptly; instead of assuming that they will go away on their own, foundation water problems frequently snowball into moisture and mold crises. Take the time to identify and resolve the source of the moisture-you won't regret it.

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Concrete is one of the most common materials used in construction because, simply put, no other material can produce the same results. Concrete is used for everything from concrete floors to building foundations. Despite this, problems can results with concrete over time. Problems arise for many reasons, not the least of which can be its exposer to excessive moisture. To avoid problems always be sure that high quality concrete is used and to stay vigilant for possible problems.
 
Concrete cracks often form in the basement walls. However, builders plan for cracking by putting steel reinforcements inside the concrete walls to maintain the wall’s strength. But don’t let this give you false hope that the cracks are insignificant.  Concrete cracks allow water into the basement, especially in older homes which do not have a waterproofing membrane installed like many newer homes do. However, even the waterproofing in newer homes can fail; the water proofing may not stretch over the crack and the membrane then tears or, if the grading is incorrect and slopes toward the house rainwater can pool next to the home above the waterproofing, enter the concrete crack and flow to the interior.

It is very important to get these cracks, even if they are small, fixed. It is these cracks that cause the problems in the foundation of your basement. They pose health risks, structural issues, and can damage your belongings. We have all heard of the hazards of mold, and moisture in your basement can lead to mold. Take a good look at the corners of your basement and check for mold growth.  Get foundation and wall concrete cracks repaired as soon as you can to maintain the safety and well being of you and your home.

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