Storm Damage MN

How to Identify and Prevent Frozen Pipes

We all know that water damage is an expensive and hard to remedy problem. One way to avoid it is to prevent pipe freezing before cold weather hits. Now that the temperatures in the Twin Cities area are dropping down to the single digits, here are some tips to help you deal with frozen pipes and avoid water damage.

Signs of Frozen Pipes

Since pipes are usually hidden behind walls, there are a few other ways to discover the problem before it gets too bad.

Faucets Don’t Work
When you turn on the water, but nothing happens, you may be looking at a frozen pipe. Use the below methods to gently thaw the pipe. Never use a blow torch due to fire hazard.
Running Water
If you still hear running water somewhere after turning the faucet off, there’s a leak that needs to be fixed. If this happens, turn off the main water supply and look for the problem.

Interior Protection

The key to avoiding pipe freezing is to keep the pipes warm as much as possible.

Air Leaks
First, seal any sources of air leaks. Pipes can freeze wherever they’re exposed to cold air. Close off crawl spaces and stuff insulation into any remaining gaps.

Garages
Garages pose a threat when a laundry room or bathroom is above it. To avoid unnecessary cooling, keep the door closed as much as possible.
Bathrooms
For bathrooms with pipes that run along an exterior wall, keep the vanity doors open to allow more heat to enter the room. If a deep freeze is on its way, use a fan to circulate heat or a space heater for a temporary warm up.
Vacations
When leaving the home for extended periods of time, keep the heat at least at 55 degrees to prevent pipe damage while you’re away.

Outside Pipes

External pipes are more prone to freezing than internal because they’re usually more poorly insulated, thanks to their location. Take these precautions before the weather turns cold to prevent problems.

Garden Hose
Bring the hose in, drain it, and turn the external faucet off.
Sprinklers
Turn off and drain any sprinkler system.

Before problems happen, know where your main water shut-off is. Usually, it’s either in the yard underground, the garage, laundry room, or basement.

Taking these steps can save you time and expense in repairs. In the event you do have a frozen pipe burst and have water damage, it’s best to get it repaired as soon as possible to avoid development of mold, mildew, and further structural problems.

Ice Melt Options – Salt vs. Sand

Slippery walkways are becoming an issue with the snow and colder temperatures here in Minnesota. When you live in a colder climate, ice is always a safety issue. There are two primary tools homeowners can use to prevent buildup of ice.

Salt: Rock salt is effective because it reduces the freezing temperature of water. This type of salt is mined underground and is effective in temperatures over 12°F. However, it eats away at cement and steel, which is why cars tend to suffer so much in colder climates. There’s also concern that salty water runoff affects groundwater supplies. However, this is a good option to use when you have a small surface that needs to be de-iced. Bags of salt are available in the winter in many hardware and grocery stores.

Sand: The other common de-icer is sand. Although this material doesn’t melt ice, it does add traction to icy surfaces, reducing slips and crashes, which is why it is often used on roadways. Because it doesn’t affect the chemical makeup of the melted water and it works in any temperature, many cities use this as their primary ice management system. The drawback to sand is that it can clog drains and build up in drainage areas. It also needs to be reapplied every time it’s covered by snow. Playground sand is better to use than mason’s sand because it’s much coarser.

If neither of these options is appealing, you can also use kitty litter, sawdust, or wood ash instead.

The best way to prevent ice buildup, however, is to keep snow off of your walkways and driveway. By doing this, you prevent it from compacting and turning into sheets of ice. When it snows, remove the snow as quickly as you can and as often as necessary when long winter storms hit.

Although ice is a part of winter, it doesn’t need to be a safety hazard. Using these methods to keep it off of your walkways will cut down on slips, falls, and injuries.

Be Prepared: Tips for Storm Clean-Up

The current Minnesota weather may be mild, but those of us who have lived here for more than a few years know that sooner or later “the big one” is going to hit. You probably have heard – or know – the stories of “the blizzard of ’92″ and other heavy winter storms, but are you prepared for the next one? The editors of This Old House have some great tips for clean-up from snow and other storms.

Whenever you’re dealing with the after-effects of severe weather, of course you want to get your home and your property back in order as soon as possible, but safety for you and your family is of utmost concern. Some things will require a professional, but there are steps you can take – from avoiding electrical dangers to reducing the threat of mold development.

Iron River Construction provides storm damage repair services in the Minneapolis and greater Minnesota area.

Working with Your Insurance Company After Storm Damage – What You Need To Know

You wouldn’t think that storm damage would be an issue this late in the year, but four tornadoes recently passed through the Twin Cities. Unfortunately, one of the side effects of storm damage is the potential stress and trauma of dealing with a home owner’s insurance company.

The first steps involve restoring power and/or water, if there has been an outage. The next is to handle any emergency repairs. The temptation is to jump right in and get things taken care of as soon as possible, especially if damage occurs at a time of year when severe weather or cold temperatures are common. But this is not a time to take hasty or rash actions, because there could be negative ramifications.

Of course, you would want to take preventative measures such as tarping an open roof, but the first you need to determine whether your policy covers your damage. You might assume it does, but that’s not always true. Storm damage usually consists of problems from water and wind, which most policies treat separately. A tree falling in a windstorm which makes a hole in your roof would probably covered. Water damage occur when heavy rains cause a flood in your basement or frozen pipes burst. These items might or might not be covered; you’ll have to read your policy to find out. In most cases, unless you have a flood rider, it probably is not covered. An exception is flooding subsequent to wind damage. For example, if a heavy wind blows a window out and you get wind-driven rain damage inside your home, it would be covered.

A good rule of thumb is if the damage is a result of something that came down from above on your home, it’s covered; if it came up from the ground, it’s probably not. Complications arise when it is a combination of the two; your insurance company will most likely determine which caused what. If you have questions about your coverage, your agent should be able to help you.

In addition to damage, the storm might possibly have made your house unlivable until repairs are made. Most insurance policies will cover living expenses IF it is a result of covered damage. Some policies may specify a “per diem” amount; others may vaguely refer to “reasonable and necessary” expenses, which include such things housing, meals, and transportation. Again, check your policy.

One final point, and that is regarding insurance adjusters. Your insurance company has adjusters on its payroll; when you file a storm damage claim, a company adjuster will be assigned to your case. This is the person that makes the dollar amount decision on your claim. But you aren’t obligated to accept the opinion of your insurance company’s adjuster; you have the right to hire an independent adjuster to protect your interests. This person will deal with the insurance company for you, but for a price – usually a set percentage of what is recovered.

Storms happen in Minnesota in every season, and storm damage often results. Iron River Construction specializes in storm damage repair, so if we may assist you following severe weather, please call us.

Storm and Flooding Clean-Up Guidelines

Even though here in Minnesota we’re far-removed from the disastrous weather that has hit the East Coast, we still experience our share of treacherous weather, which can often result in damage to homes. With winter on the horizon, we would like to share some storm clean-up guidelines for you. Sub-zero temperatures can cause burst pipes, resulting in flooded areas of your home. And blizzards carry their own set of dangers.

Once the storm is over and the damage has been assessed, the next step is usually clean-up. To stay safe during clean-up, follow these tips.

Teamwork: The best way to get through a storm aftermath is working together to clean up everyone’s homes in the area.

Flooding: The two most dangerous aspects of flooding are electrocution and poisoning. Watch for downed power lines or power cords before wading in. Ideally, electricity should be turned off before starting clean up. One method of getting to a breaker box to cut electricity is to use two chairs to make your way through the water. It’s essential that the chairs are made of something that won’t conduct electricity. Cut down on infection by wearing plastic gloves, keeping all cuts covered, and wearing rubber boots.

Frozen Pipes: Because some storms hit late in the year, the race is on to keep cold weather from bursting pipes. Once you turn the main water valve off, drain all pipes and use a plunger to clear water out of toilets.

Water Supply: Your water heater has enough usable water for a few days, but let it cool before using draining it.

Toilets: If you have a toilet in your basement, it can act as an emergency drain, but don’t leave it open for longer than necessary, because it lets in harmful sewer gases. Use a bucket to pour three gallons into a toilet bowl from a reservoir of water to get effective flush.

Garage Door: Everyone in a home should know about the manual release cord for the garage door opener. When they can lift the door themselves, the car can be used right away, even if there is no power.

Carbon monoxide: The biggest source of accidental poisoning in the U.S .is carbon monoxide. Avoid sickness by following these guidelines:

Don’t use generators, charcoal stoves or propane grills indoors
If anyone starts feeling dizzy, nauseated, fatigued or getting headaches, evacuate and call 911
Ventilate the house and turn off all fire burning appliances if the detector triggers
A technician should check furnaces and other appliances for damage

Tarp the Roof: If roof damage is severe, anchor a tarp over the area with 2X4′s. Secure it over the roof ridge to for the best waterproofing.

Part 1: Natural Disasters Can Strike Anywhere – Be Prepared

Even though we’re a long way removed from the devastation on the East Coast as a result of Superstorm Sandy, those of you who have lived in Minnesota for awhile know that we are no strangers to severe weather. And as the extreme flooding in the Duluth area showed this spring, natural disaster can even strike us here in the heartland.

While we can’t always predict when and where dangerous storms may hit, and we can’t be sure what damage they might cause, there are steps that homeowners can take to protect themselves and their property to lessen the impact of natural disasters we experience such as tornadoes, flooding, blizzards, etc. Each home and its residents are unique, but the main thing all families can do is to be prepared and to have a plan as to how to handle things in case of an emergency. Don’t count on phone lines, powers, cell phones, Internet service, etc. As those who got hit by Sandy found out, those things can vanish in an instant. So what can you do?

Gather home and personal information and then store it safely. Go through the rooms of your house and make a detailed inventory, and take pictures or videos. Put together a packet with these lists and pictures and include date of purchase and receipts on high-ticket items such as TVs and furniture. Include model and serial numbers. Keep a copy of this list on your computer, and email one to yourself as a backup. You’ll need this for insurance claims. You can keep one copy in your house for reference, and put the other in a secure, waterproof/fireproof container. Some people choose to use a safe deposit box, but there are waterproof and fireproof home safes available. This is also a good place to put any irreplaceable documents such as passports, deeds, marriage certificates, as well as family photos.
Schedule home check-ups. It’s a good idea to schedule a visit with your insurance agent each year to review your current policy. Inquire as to the most common disasters in the area, and whether you have adequate coverage to handle those contingencies.
Keep an eye (and an ear) on the weather. When severe weather threatens, tune in to local weather forecasts and be on the alert for changing conditions. Do you know what your local disaster siren sounds like? You can also check in with the NOAA Weather website or follow it on Facebook for updates and alerts. Lastly, there are weather radios available that will give alerts when a storm is headed your way. Many of these run on batteries.
Have an escape plan. Be clear on how you can get out of every area of your house, and where household members should meet once they have escaped. You’ll need two reunion spots – one if the disaster is confined to your home or the area around it, and one if the disaster is more widespread. Make sure everyone is clear on where to meet. It’s a good idea to have an emergency contact that will be your point person if you get separated.

If You’ve Suffered Roofing or Siding Damage, Insist on a Good Match with Your Insurance Company

Nearly every time there is a big hailstorm that blows through a town, some amount of damage is done, and the issue of matching repairs comes up when insurance claims are made. Some insurance companies will only pay to repair the damaged areas, but if that material is no longer available, they may substitute something that is a close match. That was the standard for many years, but a recent court case in Minnesota has changed that. When examining a clause in the policy involved, the district court judge ruled against American Family Mutual Insurance Company and ordered it to pay claims where there were matching disputes after a hailstorm. (According to Min. Stat. {72A.201, Subd. 5(8) (1998)}).

For example, assume that only two sides of your home suffered siding damage and you need to replace your 12″ white aluminum siding with a textured finish. However, the manufacturer has discontinued this product and now only makes 8″ aluminum siding without texture. Clearly, it won’t match. However, the adjuster estimates the repair for the two damaged sides only at $10,000; replacing all four sides of siding would cost $20,000. A real estate appraiser will tell you the replaced siding has resulted in a loss of $5,000 to the value of your home. To be fair to the insured, the insurance company should pay the $20,000 to replace all four sides of the home so that they will match. In fact, in Minnesota they are now required by law to do so.

Don’t let an insurance adjuster talk you into settling for a partial repair if it won’t result in a good match. As a policyholder you have the law on your side. Find a competent roofing contractor who is experienced in dealing with insurance claim repairs and get you all that you are entitled to where your storm damage repairs are concerned. 952-442-1762

Two Types of Insurance Adjusters – In Case of Storm Damage, Which One is Right for You?

Many people are not aware that they have the right to hire an independent adjuster if they are making an insurance claim for damage repairs following a storm. Your homeowner’s insurance company will have their adjuster assess your claim to determine the amount they will compensate you for in the event of a loss, but you are not obligated to accept your insurance company’s estimate of the damage. You are entitled to have an independent adjuster take a look at your situation as well. How are they different?

The main difference is that adjusters who work for insurance companies are paid by them, and their base salary is usually not tied to the dollar amount of claims processed. The independent adjuster works as a private contractor who is paid by the homeowner, usually on a percentage of the claim settlement.

The in-house insurance adjuster has a vested interest in keeping his employer’s financial liability to a minimum; the independent adjuster’s motive is to have your claim settled for the maximum amount possible, since what he is paid is directly based on your insurance settlement. Larger claims mean larger commissions.

One other advantage is that oftentimes independent insurance adjusters are retired contractors, and they are more familiar with the hands-on business of damage repairs. With their construction experience they may be able to spot problems an insurance professional might overlook.

When determining whether to hire your own independent adjuster, it’s important to keep in mind that you will be paying a commission; there is no cost to you if you accept the insurance company adjuster’s assessment of your claim. This is especially important in light of smaller, straightforward claims, where it would just make good financial sense to go with your insurance company’s value. But in the case of complicated repairs, it might be wise to retain an independent adjuster.

It’s a good idea to have all of the facts before you sign that claim settlement, because once you accept the check you won’t be able to come back with a request for additional payment for something that wasn’t spotted originally.

If you’re submitting a damage claim to your insurance company and you have any questions about damage claims adjustment, contact Iron River Construction. We’re experienced with storm damage repair and we have extensive experience in dealing with adjusters. Serving the Minneapolis metro area and greater Minnesota – call 952-442-1762.

Important Tips for Safe Storm Damage Cleanup

Cleanup following a severe storm is important, but it’s critical to keep in mind that it can also be dangerous. Be aware of some potential problem areas:

Gas leaks: Broken or ruptured gas lines not only release toxic fumes into the air but pose a fire/explosive hazard.
Downed power lines: If the lines are live, coming in contact with them could be fatal, or at the least could result in electrical burns
Slippery footing from wet or muddy areas

Most storm damage clean-up is best left to a professional, but there are steps that you can take on your own, provided that you are cautious. These include gathering personal possessions strewn about your property and covering easily-reachable damaged areas. If the ground is wet or muddy, or if you have downed tree branches, leave the ladder-climbing to an experienced pro.

Of course, if your home has sustained storm damage, especially that which has exposed the interior, timely repair and clean-up is crucial. The first call you should make is to your insurance company’s claim center. Some companies have a 24-hour emergency helpline. Then before you disturb anything, take pictures and detailed notes regarding the damage. If you’ve lost personal items, make a list of those as well. If you have receipts related to the purchase of those items, gather those to provide to your insurer. Don’t bother with trying to assess structural damage to your home - a professional adjuster sent by your insurance company will handle that.

Severe damage to your home may mean that it is not livable. This would also include loss of water or power. Check your insurance policy – it should cover food and lodging expenses, or even a rental dwelling if you are going to be out of your home for some time while the repairs are being made.

The last thing to keep in mind is that while your insurance company may suggest a contractor to do the repair work, you do not have to hire the company they recommend. Your adjuster will give you figure the insurance company will pay, and then you have the liberty to retain your own storm damage repair professional. You should be aware that when a severe storm such as a tornado, hailstorm, or high wind storm hits an area, repair companies descend immediately, looking for work. Before you hire a contractor, ask for proof of insurance, contractor’s license, and references. When a home as been damaged, it can be a stressful and emotional time, so take a deep breath and do your homework before signing any repair contract or paying any money out.

A reliable, reputable contractor who is experienced in storm damage repair is often able to work directly with your insurance adjuster, relieving you of some of the stress and helping to insure that you receive all of the compensation you’re entitled to. If you have questions about repairing storm damage, contact Iron River Construction at 952-442-1762. Serving the Minneapolis metro area and greater Minnesota.

What To Look for On Your Roof After a MN Hailstorm

If you live in Minnesota, you’re probably familiar with the damage threat hailstorms pose. What is hail? Hail begins as water droplets in the clouds. As it freezes and moves around in the clouds, it collects more moisture, which then freezes on the existing ice ball. Hail can be pea-sized, or it can grow to the size of a grapefruit. Eventually it gets too heavy and falls to the ground from thousands of feet up. Hail is known to destroy crops, cars, and particularly roofing.

The roof takes the brunt of the impact during a hail storm, and if it is accompanied by a driving wind, this damage can escalate significantly. The only way to determine the extent of hail damage after a hail storm, no matter how brief, is to go up on the roof and take a look around. While many people rarely do this, homeowners should be aware that hail storms will bring damage. Even very small hail can cause problems. Don’t wait until you have a ceiling leak for evidence:

Dented or loose vents and metal flashing
Split, broken, or missing shingles
Severe roofing granule loss (check your downspout bases – the granules will accumulate there
Don’t forget to check your siding for cracks or other damage. Also inspect your A/C unit.

While newer shingles are better made to withstand hail damage; and underlayment has been improved to help absorb the impact of hail, it will still take a trained eye to make sure your roof was not compromised.

In recent years, roof shingle manufacturers have been listing products that conform to Underwriters Laboratories test standard UL 2218, which classifies the resistance of a particular product to hail damage. While this is a relatively new testing method, it does have some important key factors to consider while purchasing new products.

If you have had hail damage on your roof and your insurance company agrees to a replacement, make sure you go with a roofing contractor that is up to date with what’s going on in the industry. Iron River Construction is here to help you get the best product, at the best price, with the least amount of hassle. Call us today- 952-442-1762

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