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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It is time to winterize your home. When winterizing your home, take a look around the foundation. See if any foundation cracks have formed. Very small cracks are fairly common.  Look for larger cracks or shifting of the blocks in a block foundation. Look all along the foundation to see if there are any cracks that need to be repaired.

What you are looking for are area where snow can and will build up. When that snow melts, the water can seep into your home and cause water problems and damage.

If you have brick along your house, do the same things. Look at all the brick and check out where the brick meets the concrete or the driveway. There may be cracks that need to be repaired.

Lastly, check all of your concrete floors in your garage or basement for cracks in the floors. If you find any cracks in your foundation or floors, contact A-1 Foundation Crack Repair before the winter snow hits.

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If your basement has suffered from water damage, it is important to get the source of the leaks fixed before you begin repairing the damage to your basement.

It makes little sense to make repairs when your basement is at high risk for experiencing the same problem again. Also, keep in mind that basement waterproofing may be extensive, including the installation of a drainage system. So you shouldn’t spend the money on repairs since they may actually impede the repair process. Steps need to be taken to eliminate the cause of the water damage before you spend money on repairs.

Consider bringing in a waterproofing specialist with the experience to identify and fix basement problem areas. Most of the time, water enters the basement through leaks in the floor and wall joints, these are the areas that should be thoroughly checked.

Once the sources of the basement water have been identified and fixed, then you can begin your basement repairs.  Contact A-1 Foundation Crack Repair to waterproof your basement.

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There are plenty of homes out there with leaky basements. Many homeowners just assume their basement will be dark and damp. Maybe the concrete floor has a crack, or the foundation leaks a bit, or perhaps there is a leak where the pipes go through the basement walls. Through a towel on that, clean that right up and you’re all set right? Wrong.

Even if you don’t have a finished basement, even if the water doesn’t bother anything at all, you should take basement leaks seriously. Here's why:

Insects - There are many insects that seek out dark and damp areas including termites, cockroaches and spiders. We aren’t just talking about not liking bugs here. Termites and wood boring beetles, can damage your home. But insects can also cause health problems and they very challenging to get rid of without taking serious steps that involve harsh chemicals.

Health Problems - Mold and mildew dark and damp places, and damp basements are the perfect habitat. Mold can have serious effects on your family’s health, especially if there are asthma or allergies involved. Mold can increase the asthma attacks and itchy, watery eyes.

Integrity of your Foundation - A small wall or floor crack may seem harmless. But that crack may be hiding something bigger that you just can’t see.  If your doors aren’t shutting right floors are starting to warp this could be a result of the leak in your basement.

Resale value – Adding a basement to the list of amenities of your home when you  go to sell is a huge advantage. However, listing a home that has water damage in the basement is a big red flag. With all the homes on the market, and all the choices buyers have today, your home needs to be as enticing as ever to attract buyers.

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There is no question that homes with basements provide us with much more space than those with only crawl spaces. Often, homeowners will put recreational rooms in the basement, or perhaps an office. Other times, the basement will be storage, a tool shed and a laundry room combined, but this still provides us with extra space upstairs. So, there is no point in going into why a wet basement is a bother.

Water in the basement is a problem, even if it is empty, (and they never are). There are really two different ways in which water can enter our basement, and both will entail some form of waterproofing. Water can either come in slowly, almost undetected or it can quickly invade our basement causing a flood.

Moisture is often a problem since basements are below ground level, even if it is not visible. It may show up as mold or mildew. Even if you can’t see the moisture, there are definite signs that it is there.

Doing a little bit of basement waterproofing for this usually means installing a basement dehumidifier which will run on a regular basis, at least through the summer, fall and spring.

Of course, the other way you can get water in the basement is all at once, a flood. This can be destructive, especially if you use the basement for living space or storage. If the water is coming in at one specific location, sealing that location is necessary.

However, if your basement floods on a regular basis, measures that can be taken to fix this.

Having a problem with water in your basement is simply keeping you from enjoying part of your house. Although waterproofing your basement is going to take a little bit of work, it will all be well worth the effort whenever you can take this part of your home back again.

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In today’s housing market, you may come across a home that is priced well below market value. Often this is because of some type of damage or deficiency.  More often than not, this involves a flooded basement.  

If you are considering a home with a finished basement that has flooded, keep in mind that this can be very costly to repair and there a some issues to consider. Obviously, finished basements with water damage can be ripe with mold and mildew. This can cause severe problems that you need to think about before buying the home.

Finished basements often have wood or metal framed walls built inside the foundation walls or attached to the concrete in order to install the finish wall board.  These cavities are very susceptible to water damage; they will get flooded easily and are difficult to dry out.  Most of the time, the wallboard and insulation need to be removed in order to dry the area properly. Otherwise, mold and mildew growth will occur.

The floors in finished basements can be concrete, or they may have a sub floor built over the concrete floor. These sub floors are often wood.  This type of flooring is a problem in the event the basement floods.  Water can be trapped between the sub floor and the concrete and it is very difficult to dry out.  Again, most of the time, a sub floor needs to be removed and the area needs to be dried out completely to because of the high risk of mold and mildew damage.

Mold and mildew growth is a risk, to your home and your health.  There are many health problems which mold and milder exacerbate such as respiratory problems, immune system suppression, asthma infections and coughing.

If you are considering the purchase of a home that has had a flooded basement, expect to invest quite a bit of money into restoring and replacing the affected area.  Once that is done, the problem of stopping the water from entering  the basement needs to be addressed.

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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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Controlling water around your home's foundation is important. Water control is the single most important factor in ensuring a dry basement. Water control helps prevent problems, even if your home has a slab foundation or a crawl space foundation. This also accounts for business too. Foundation in a commercial building is the same as any home, and even though there is no basement, securing the outside is important.

Improper water control around your home's foundation causes many problems. Water can damage foundations by exerting pressure on the foundation (hydrostatic pressure). Water can also damage foundations by causing unstable clay soils to exert pressure by swelling or by causing these soils to contract and remove support from under the foundation. Other problems caused by improper water control include damaging construction materials and providing moisture for mold and termites.

Direct foundation damage from water usually involves cracks and/or bulges in foundation walls and footings. This can in turn cause uplift or settling of framing materials that can cause problems such as uneven floors, cracks in interior and exterior wall coverings, and doors and windows that do not operate properly. In extreme cases, water damage can cause structural failure. Indirect water damage includes damage to wood and other construction materials caused by liquid water infiltration and by water vapor that condenses in cool areas such as in basements and in crawl spaces. Many species of termites and all species of mold need moisture to survive. Controlling water around your home will reduce the chance of termite infestation and mold infestation.

Controlling water around your home's foundation is simple and inexpensive compared to repairing foundation damage and wet basements. Examine your water control measures at least every year as part of your regular home maintenance. Doing so will help prevent serious problems. If you are not familiar with checking your home's foundation contact us today and we'll be happy to inspect your home for you to ensure no leaks are present.

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