Archive for June, 2008

A-Emergency Board Up: Salvage Tip #4

Salvage Your Personal Property from Fire Damage

Rugs and Carpets

Dry rugs as quickly as possible by laying them flat and circulating warm air.  Turn on a fan to speed up drying time.  Throw rugs can be beat, vacuumed and shampooed for cleaning. Check that rugs and carpets are completely dry, as they can rot if dampness persists at the carpet base. Contact a qualified carpet cleaning professional or a local carpet installer for more details on preserving and cleaning carpets.

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A-Emergency Board Up: Salvage Tip #3:
Salvage Your Personal Property from Fire Damage

Food

Wash canned goods and any food stored in jars with detergent and water.  Do not use canned goods with rust or bulges and never refreeze frozen foods that have thawed. Wash the inside of your fridge and freezer with baking soda and water to remove odors.

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A-Emergency Board Up: Salvage Tip #2

Salvage Your Personal Property from Fire Damage

Electrical Appliances

Until you have had a service person out to check your appliances, do not use anything that has been vulnerable to water or steam.  Also be advised to have the gas or electric company turn your service back on – rather than doing it yourself – if the fire department shut off your gas or power.

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A-Emergency Board Up: Salvage Tip #1

Salvage Your Personal Property from Fire Damage

Cooking Utensils

Wash all pots, pans and flatware with soapy water and then rinse and finish by polishing with a fine-powdered cleaner. Copper and brass can be polished with salt and a fresh lemon wedge.

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When your property is damaged or destroyed the situation can be overwhelming. Keeping a clear head and following these initial steps will help you achieve maximum compensation and protection against auxiliary loss. Broken glass, fire debris, water damage and vandalism, are most likely covered by your property insurance policy but your claim could be denied if you aren’t aware of your responsibilities. Don’t let your property loss turn into a total loss!

Minimize further damage to your property. In insurance speak “mitigate damages” means to take the needed steps to secure your property from additional harm. Cover a leaking roof, board-up broken windows and doors, turn-off water if a pipe bursts, put up a portable chain link fence if necessary.

Don’t be a victim twice! Did you know that you are liable for any injuries sustained on your property! If your property isn’t secured, not only will you forfeit your insurance coverage but if someone enters the premises and gets hurt, guess who is responsible? That’s right, the property owner is liable and could be sued for damages. For the same reason, make sure that the board-up company you hire to secure your property is licensed and bonded!

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