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Author: rodriguezclean

Water Damage Restoration Louisville KY Hero

How To Prevent Frozen and Burst Pipes?

Tips to Prevent Frozen and Burst Pipes

I want to share some tips that will help you save money. As you probably have noticed, the weather in Louisville, KY, fluctuates, and in a few days, temperatures may drop significantly, causing water lines to freeze. Keeping your water lines from freezing and bursting is not easy, but here are some tips to help you avoid a water damage restoration situation.

  1. First, go down to your basement and locate the main valve that turns off the water supply to your outside faucets. The reason for this is that when your faucet and pipe freeze, the ice can continue running inside, causing more significant damage. By turning off the water supply, there is no water to freeze and swell up, reducing the risk of bursting pipes.

Frozen water lines in spring are a major cause of water damage in Louisville, KY. If you don’t want to make a water claim on your home insurance policy, you may want to follow these tips.

  1. Second, install a faucet cover on your outside faucets. These covers can be found at Home Depot, Lowe’s, Amazon, and other stores. Putting on the cover is very simple. Inside the cover, you will find a plastic line going through the cover with a loop that goes onto the faucet.

Faucet cover

Attach the cover and pull it tight from the outside. The cover helps keep the cool wind away from your water line. While this cover works well, remember that if temperatures drop very low, there is still a chance your faucet could freeze.

For better application and tips, consider calling your local plumber. Despite this disclaimer, I highly recommend using these covers, as I use them at home to avoid dealing with water damage restoration issues and potential water damage claims.

  1. Third, insulate your water lines with foam. You can find this foam at the same places as faucet covers: Home Depot, Lowe’s, Amazon. This foam, designed to prevent condensation, works excellently to prevent pipes from freezing.

Foam insulation for pipes

In my experience, using this insulation foam is necessary, especially if you cannot turn off the water supply. Installing this foam is easy; it’s already pre-cut and slides on easily. The challenging part is insulating water lines in a crawl space, which can be messy. If you prefer not to handle this yourself, call your local plumber.

Conclusion

As a homeowner or business owner, you are responsible for the maintenance of your property. The most common cause of water damage claims in spring here in Louisville is burst water lines. To prevent this from happening, follow these steps:

1. Turn off the water valve that feeds water to your outside faucets.
2. Install faucet covers on your faucets.
3. Insulate your water lines with foam.

If you prefer not to deal with this yourself, call a plumber for assistance. If you experience a water damage situation in Louisville and need help, please don’t hesitate to call Rodriguez Cleaning and Restoration at 502-365-6779.

Rodriguez Cleaning and Restoration is known for professional carpet cleaning and area rug cleaning in Louisville, but our technicians are also certified in water damage. We have the latest equipment and tools to assist you with any water damage you may have. Hopefully, these tips will prevent you from needing our services. Good luck!

Need water damage help in Louisville? Rodriguez Cleaning and Restoration provides fast, professional water damage restoration in Louisville, KY, with 24 hour emergency response. Call (502) 365-6779 or request a free quote today.

Water Damage Restoration Louisville KY Hero

Is your Sump Pump Working Properly

How Do You Know If Your Sump Pump Is Working Properly?

Being a water damage restoration company in Louisville allows us to see and deal with many issues most homeowners don’t encounter every day. The most common issue for water damage in Louisville, KY, is the failure of sump pumps. Your sump pump can fail to work for many reasons, and that’s what I want to cover here. Having a sump pump failure on a rainy day could cost you several thousand dollars.

Let’s review how your sump pump works and what its function is. Sump pumps are designed to be in water and pump the water out of your basement. You may ask yourself where this water comes from. It’s very simple. All the water we get from a rainy day drains down around your foundation and goes under the concrete slab in your basement. If we get a lot of rain, this water will start rising up, and your sump pump pit will start filling up to the point where your sump pump will begin pumping this water away from your foundation walls. This is a quick explanation of how your sump pump works.

Water Damage Basement Louisville KY

If your sump pump isn’t working properly, you will have what is called water backup. Many insurance companies sell water backup endorsements for your policy. If you don’t buy this coverage separately, you could be in trouble. Most of the time, when something like this happens, you will be spending over $7,000 on average. Water backup from your sump pump will often have a very drastic impact on your home. When you call a company like Rodriguez Cleaning and Restoration to assist you with water damage, most of your flooring will need to be removed because this water is heavily contaminated and polluted. Baseboards and drywall that were contaminated will also need to be removed and disposed of.

The first thing is knowing what a sump pump is and where you can find it. Let’s begin with where to find your sump pump. If you don’t have a basement, you don’t need to worry about sump pump issues. If you want, you can skip this article, but I still recommend you read it because you could help a friend and save them the headache of going through a terrible water damage situation that could be prevented by knowing how to maintain or check that your sump pump is working correctly.

As mentioned, if you don’t have a basement, you are fine. But if you do, let’s find your sump pump. Look for a dark hole that is most often in a corner, behind a door, or in a closet. If you have an unfinished part of the basement, check there first. You will find PVC pipes or other pipes coming out.

Now that you’ve found it, the first thing is to make sure your sump pump is plugged in. Your sump pump works with electricity. If you unplug your sump pump by mistake and don’t plug it back in, I guarantee you that a water backup is about to happen in your basement.

Let’s make sure your sump pump is connected to the electricity and that the outlet has power.

Is Your Sump Pump Working Properly?

After your sump pump is plugged in, let’s review how it operates. Your sump pump has a switch that varies in shape and form. Most of them have a floating switch. If you take a bucket of water and dump it in the hole or tank, you should hear the sump pump running. If you’re not afraid to use your hand, you can raise the floating piece up, and it should start the pump.

Another overlooked issue is dirt in the bottom of the pit (tank). Many of these pits have never been cleaned in the past. This dirt could clog your sump pump.

Now that we have checked your sump pump and confirmed that it’s working properly and the pit is clean, we need to ensure that the sump pump is dumping the water in the right place and far enough from your foundation. Your sump pump has a line attached to it that you need to make sure is not broken. If it is broken, I recommend you call your local plumber, and they can fix it for you.

You will need to find where this line is dumping all the water. This line should be at least 2 feet away from your walls. By being away 2 feet, we know this water won’t flow back in. If your line is too close, all the water that is being pumped out will come back in with the rest of the water from the rain. Eventually, your sump pump won’t be able to keep up with the water flow, and you will have water backup into your house.

If sump-pump failure has already left standing water in your home, our flooded basement cleanup team can assess affected materials and begin emergency water extraction and drying. Call Rodriguez Cleaning & Restoration at (502) 365-6779 for 24/7 water-damage help. Contact a plumber for sump-pump repair or replacement.

Water Damage Restoration Louisville KY Hero

What to do or don’t after a Flooding

In Louisville, KY, we deal with a lot of situations where your house or business could end up flooding. These could be natural reasons such as a lot of rain over a few days and water just starting to come into your home, or The Ohio River deciding to flood your house. Other reasons could be out of your hands, like a sump pump failure or a water leak in your water heater tank. But what are the do’s and don’ts after a flood in Louisville? Very simple: follow our recommendations.

Flooding in Louisville

Safety First After a Louisville Flood

The first thing is the safety of you and your family. If you have water in your basement or any other part of your house, be aware that water and electricity aren’t friends. Make sure this water hasn’t touched or gotten to any outlet or electrical receptacle. If it has, do not go into the water. Call a professional.

Another important safety precaution is to avoid as much as possible contact between your body and the water. Water that runs through the ground is considered black water. In your yard, there are many contaminants and pesticides that have made this water very dangerous.

What To Do After a Louisville Flood

  • Remove as much excess water as you can by mopping and blotting. If you have a shop vacuum, use it.
  • Disconnect all your appliances from the electricity.
  • Take some towels and wipe excess water from wood furniture after removing lamps and tabletop items. This will prevent color transfer onto flooring.
  • Remove wet bed sheets.
  • Look around for wet boxes and dispose of them if they are not salvageable.
  • Put toys in boxes.
  • Remove and prop up wet upholstery and cushions.
  • Place aluminum foil or wood blocks between furniture legs and wet carpeting.
  • Turn on the air conditioning for maximum drying in summer. Set the fan to auto.
  • Make a sign saying, “Do Not Enter” and explain to your kids to stay out.
  • Remove colored rugs from wet carpeting. You don’t want permanent bleeding everywhere, plus it can damage the area rug.
  • Move valuable art objects to a safe and dry place.
  • Gather loose items from floors. If possible, box them up.
  • Remove all your decorative wall items.

What NOT To Do After Flooding in Louisville

  • Don’t pretend you can handle this situation with a shop vacuum from Home Depot. You need professional help.
  • Don’t hire or trust the first person or company that shows up at your door. Do your research or call your insurance company and ask for a referral or any close friend.
  • Don’t leave wet fabrics or clothing in place. Hang furs and leather goods.
  • Don’t leave books, magazines, or other colored items on wet carpet or floors. Take your books to a dry area.
  • Don’t use televisions or other household appliances. Disconnect them.
  • Don’t turn on ceiling fixtures if the ceiling is wet, and keep out of rooms where ceilings are sagging.
  • Don’t turn any light switches if your walls are wet around them.

A flooding situation is a big stress that some people have to go through in their lives. I hope you are not one of them, but it’s always good to educate ourselves in case it ever happens. It’s better to be on the side of people who know what to do rather than those who ask, “What am I going to do now?”

Don’t forget, if you have to go through a flooding situation in your life, Rodriguez Cleaning and Restoration is here to assist you and help with any water damage in Louisville you may have. Give us a call at 502-365-6779; we are available to you 24 hours a day.

Need water damage help in Louisville? Rodriguez Cleaning and Restoration provides fast, professional water damage restoration in Louisville, KY, with 24 hour emergency response. Call (502) 365-6779 or request a free quote today.

Oriental Rug Cleaning Louisville KY

How to do a bleeding test on your area rugs?

You Can Save Your Oriental Area Rug by Knowing How to Do a Bleeding Test

If you are an area rug owner, you understand the cost of replacing a rug or how a gifted rug can hold sentimental value beyond any monetary amount. Knowing how to maintain your rugs can save you from the unfortunate experience of damaging them or having to buy a new one. The first step in any cleaning or spot removal procedure is knowing how to perform a bleeding test on your rugs.

What is a bleeding test? It’s quite simple. A bleeding test involves testing the solution or chemical you plan to use on your rug to see if it will cause color bleeding. Once colors start running, fixing the issue becomes challenging.

Here’s how you perform the test:

1. You need white towels and paper towels. White is crucial because if you use a colored towel, you might get bleeding from the towel itself onto your rug. For instance, if the rug is blue and the towel is blue, how would you know if it’s the rug bleeding or the towel color transferring?

2. After obtaining your white towel, apply some of the solution you plan to use on it. If you intend to use soap and water, test the soap as well.

3. Find a discreet area on your rug for the test, preferably not the center. Look for areas with bright colors like red, blue, or yellow.

4. Place the towel with the solution facing down on one of these bright colors. If possible, test a few colors in the same area. Apply some pressure with your hand or a heavy, flat object to help the solution penetrate the fibers. Wait for 10 seconds to see if any color transfers to the white towel.

5. If there is no bleeding, you can use the spotter but remain cautious as it could still bleed later. If you see color transfer, avoid using that spotter as it might damage your rug.

If you need to test another spotter, choose a different area and avoid testing multiple spots on the same rug. Test only one color at a time.

I hope you find this article helpful. If you need assistance with area rug cleaning in Louisville or carpet cleaning in Louisville, please contact us at 502-365-6779.

Ready to book? Rodriguez Cleaning & Restoration provides oriental & area rug cleaning in Louisville, KY backed by 750+ five-star reviews. Call (502) 365-6779 or request a free quote today.

Pet odor removal in Bellemeade, KY by Rodriguez Cleaning and Restoration

Professional Carpet Cleaning Louisville Innovates to Get Work Done

Professional Carpet Cleaning Louisville

Can a Professional Carpet Cleaning Louisville Innovate to Get the Work Done?

Rodriguez Cleaning and Restoration is not only your preferred Professional Carpet Cleaning Louisville company but also a team that embraces innovation when necessary. Our carpet cleaning services, as well as any other service we provide, follow established steps and procedures to ensure quality every time.

However, being a preferred professional carpet cleaning service provider in Louisville comes with its own set of challenges and opportunities. Our business is growing rapidly, and with this growth comes more work and larger homes.

Your Professional Carpet Cleaning Louisville

Working on larger homes presents both benefits and challenges. While it increases our business volume, it also requires meticulous attention to detail and the right equipment.

For instance, we recently worked on an 18,000-square-foot, three-level home. The work required attention on two levels: the basement and the master bedroom, located at the front of the house.

Carpet Cleaning Louisville

To address this efficiently, we used a commercial truck mount machine, known for its steam carpet cleaning method, which is recommended by carpet mills for maintaining new carpets. To avoid damaging the new hardwood floors, we had to move our truck multiple times.

Instead of making multiple trips, we innovated by cleaning two areas from one setup and accessing another area through a window. This solution was facilitated by our referral partner, Lee W Robinson in Louisville, who helped us find the best approach.

By using this method, we not only avoided additional trips but also saved the client money and ensured their home was not damaged.

When you choose Rodriguez Cleaning and Restoration for your professional carpet cleaning in Louisville, you can expect a customized cleaning plan tailored to your needs. Our commitment to innovation, personal touch, education, and attention to detail sets us apart.

For more information or to schedule a service, call us at 502-365-6779.

Ready to book? Rodriguez Cleaning & Restoration provides professional carpet cleaning in Louisville, KY backed by 750+ five-star reviews. Call (502) 365-6779 or request a free quote today.

Carpet cleaning in Bellemeade, KY by Rodriguez Cleaning and Restoration

Coit Louisville Carpet Cleaning Alternative

Looking for a Coit Carpet Cleaning Alternative?

If you live here in Louisville, you know that Coit Carpet Cleaning Louisville is the biggest carpet cleaning company in our beautiful city. Does being the biggest mean they are the best? I don’t think so. Are they good? Yes, they are. Why are they the biggest? They have been in the market for a long time and do a lot of marketing.

Is Coit my only alternative for Louisville carpet cleaning or area rug cleaning? No, they are not. There are many other options for you out there.

Coit Carpet Cleaning Louisville ky

Coit is a reputable company that we follow and from which we have learned a lot. In fact, they were the model we followed when we started our business, as well as many other carpet cleaning companies in Louisville and other states.

I learned a long time ago that you have to copy what some good companies do to be able to get into the market. This does not mean that we copy everything from them. This means that we studied everything they do, the good and bad things. Each company has its own strengths and weaknesses.

What we did was copy and improve the good and positive characteristics, while the bad ones we took extra time to understand and ensure we don’t repeat them.

Rodriguez Cleaning and Restoration Louisville Carpet Cleaning

Your Best Choice for All Your Professional Carpet Cleaning Louisville

Carpet cleaning service Louisville ky

At Rodriguez Cleaning and Restoration Louisville Carpet Cleaning, you won’t find a big company with 20 employees. Our carpet cleaning Louisville and area rug cleaning company is a small, local business with dedicated Cubans and Americans working together to offer you the most outstanding service experience ever.

At Rodriguez Cleaning and Restoration, we don’t have the capacity to compete on scheduling because we don’t have the manpower. This is not our goal, as a larger team often means more headaches and lower quality.

When I started this business, I promised that Rodriguez Cleaning and Restoration would be known for the best and most professional carpet and area rug cleaning company in Louisville.

To fulfill this promise, we rely on hard work, consistency, extremely high-quality services, and outstanding workmanship. These are the main qualities you will experience when you hire us.

Louisville oriental area rug cleaning

Currently, our company is exclusively referred by many high-end realtors in Louisville. Most flooring dealers rely on us to assist their clients with carpet maintenance.

Many Louisville interior designers refer us to their clients for area rug cleaning and upholstery cleaning.

Education and having the right equipment are also part of our values. Without training and proper equipment, it is impossible to offer high-quality services. Understanding the differences between fibers and how to clean them is what separates a good experience from a nightmare. Using the wrong solutions on your carpet and lacking the right equipment could cost you thousands of dollars.

It is also crucial to follow carpet mill recommendations. Most carpet manufacturers, like Shaw and Mohawk Flooring, recommend cleaning your carpets within 18 months of purchase. They also advise hiring a professional carpet cleaning company with IICRC certifications.

What is IICRC? The IICRC is a certification and standards developing organization (SDO) non-profit organization for the inspection, cleaning, and restoration industries. In partnership with regional and international trade associates, the IICRC serves more than 25 countries with offices in the United States, Canada, the United Kingdom, Australia, New Zealand, and Japan.

When You Hire the Best Louisville Carpet Cleaning Company, You Receive:

  • Free estimate or consultation over the phone or in-house.
  • Written price with no hidden fees.
  • Free inspection and recommendations.
  • Custom cleaning services tailored to your needs.
  • Attention to detail plus superior quality.
  • 100% money-back guarantee.
  • Uniformed and educated technicians.

When you hire us, you don’t take any risk. I take all the risk. I want to earn your business with hard work and dedication to you.

For more information about our company, check our home page Rodriguez Cleaning and Restoration or call us at

Call Rodriguez Carpet Cleaning at (502) 365 – 6779

Oriental Rug Cleaning Louisville KY

What Is a to Be a Professional Area Rug Cleaning Company

What is to be a professional area rug cleaner or a professional on any other trade?

Being a professional area rug cleaning service provider or a professional in any other trade is not just about calling ourselves professionals. If I were planning to hire someone to help me at home or at my business, I would look for someone with experience or a reputation I can trust.

Nowadays, many people try to save money, and as we know, we often get what we pay for. As Zig Ziglar would say, “People say no because they don’t know enough yet.” Please do your homework before making any decisions.

What is to be a professional area rug cleaning company?

If I were in your shoes, I would ask very simple questions: Who are they? What do they know? Do they know how to do it? What if they do something wrong? There are many questions you can ask any professional area rug cleaner in Louisville, but here are the ones we recommend:

Rug Cleaning

What kind of Education Do you have?

Many companies claim to be professional carpet and rug cleaners, but are they truly professionals? There is certification from the IICRC that teaches how to clean carpets, but if you want to learn how to clean area rugs, you need around a week of hands-on training.

That’s what you need to look for: Are they just IICRC certified carpet cleaners, or do they also have fine fabric and Oriental Rug Cleaning Certification?

With certification, you learn about fibers like wool, silk, cotton, and others. Using the wrong solutions on wool can result in dye migration or bleeding. Do you want this to happen to your rug? Probably not.

How do you clean my Rugs? What System do you use?

There are many safe ways to clean your fine area rug, but the most recommended method is full immersion if possible. Hand-knotted rugs can usually be fully immersed, but many others might be at risk.

Full immersion is like putting your rug in a washing machine. You will receive a deep cleaning. Many companies only do surface cleaning using regular carpet cleaning equipment.

You want someone who offers a deep and gentle area rug cleaning service.

Do you have any Guarantee?

At Rodriguez Cleaning and Restoration, we offer a 100% money-back guarantee on all our services. Why? Very simple: we don’t want you to take any risk when you hire us. We are the ones taking the risk of losing your business. We want to earn your business every minute we can.

Don’t hire a company without a guarantee.

Rug Cleaning

Do you have a Reputation in Louisville?

Reputation is built over time, but I’ve seen many companies with 30 years in business that offer very low-quality service. Reputation doesn’t come with years; it comes from your values. If you are a hard worker and you enjoy what you do, you will always do a great job, and the word will get around.

At Rodriguez Cleaning and Restoration, we ensure that every client who trusts us with their rugs receives outstanding service. Today, many high-end realtors, interior designers, and flooring professionals refer our services exclusively.

Do you want to use the company your interior designer or realtor uses at home?

What are others saying about you? Do you have any online Reviews?

Nowadays, we often go online to find the best companies. We type “Professional Rug Cleaning Service Louisville” into Google and call the first one. Big mistake. Those top listings are often paid ads, not the best.

You need to read Google reviews. Look for details in those reviews because many companies buy reviews. You should look for honest feedback.

We may not have as many reviews as other companies because we don’t constantly ask for them, and some companies discount their services in exchange for a five-star review. Is that what you want?

Conclusion

If you are in the market for a professional carpet cleaner or Oriental area rug cleaner, make sure to ask many questions and avoid asking for price as your first question. Remember, some companies advertise low prices to get in the door, only to charge more once they’re there.

Always start by asking your friends for recommendations. Ask them these questions, and if they can’t answer them, contact the company they recommended and ask them directly.

If you’re in Louisville, Kentucky, looking for a reliable and trusted professional area rug cleaning company, you know who to call. Rodriguez Cleaning and Restoration will provide you with the most outstanding service experience ever.

We are your Louisville Professional Area Rug Cleaning Company

Call us today at 502-365-6779

Ready to book? Rodriguez Cleaning & Restoration provides oriental & area rug cleaning in Louisville, KY backed by 750+ five-star reviews. Call (502) 365-6779 or request a free quote today.

Pet odor removal in Bellemeade, KY by Rodriguez Cleaning and Restoration

Pet damage and Odor Removal

How to Remove Pet Odor and Fix the Damage

Pet Odor Removal Louisville

Pet damage and odor are common issues. Addressing odor can be challenging due to its many potential sources. Pet damage, on the other hand, is usually visible, such as yellow spots or holes in your carpet. If you face pet damage, you might wonder about the next steps, including who to hire and the costs involved. Can a regular carpet cleaning company handle the odor? You probably have many questions.

Picture of carpet with pet contamination, urine

Several factors influence the right solution for these issues. As a contractor and pet odor removal specialist, I can provide guidance, but I’m not a magician. In some cases, replacing the carpet might be the best recommendation.

Pet Odor Decontamination

Pet odor is particularly challenging because its source may not always be obvious. Finding the source is crucial; once identified, you’ve solved 60% of the problem. The remaining task is to eliminate the odor and clean the air.

When we conduct a pet odor inspection, we use a UV flashlight to detect hidden spots and urine in carpets, baseboards, couches, and cabinets. We also use a moisture meter to check if the spots are wet, affecting the padding or sub-floor. Padding is the foam layer between the carpet and the sub-floor.

UV Light to find pet damage and contamination

If you own a cat, they might mark various areas around your home.

When It’s Time to Replace Your Carpet Due to Pet Damage

We address odor issues in different ways. If more than 80% of your flooring is damaged, replacing the carpet or refinishing the hardwood floor is recommended. If damage is less than 80%, we treat the spots with special solutions that react with the urine to eliminate the odor, mixed with a deodorizer for added freshness.

Even after replacing the carpet, bad odors may persist. Many of our calls are from homeowners who had a new carpet installed but still experience odor. To prevent this, apply a good sealer to the sub-floor to trap odors and prevent them from resurfacing.

Additionally, ensure that any contaminated baseboards are treated with a solution that reacts with the urine to stop the odor from returning. These treatments can be costly. Cleaning the air in your home is another important step, which we’ll discuss further.

If you have a male dog, pay attention to walls, baseboards, corners, and furniture legs, as they often mark these areas.

Finding the Source Without Professional Tools

Picture of wall with urine contamination from dog

Sometimes, you might not notice odors in your home if you’ve been living there for a long time with pets. It’s normal not to detect the smell immediately. A good way to identify odors is to ask a friend who will be honest with you. If they don’t have pets, they might be more sensitive to the smell. Friends with pets might not be able to detect the issue.

Alternatively, you can call us for an honest assessment. We don’t know you personally, so you’ll get an objective evaluation. Be sure to ask someone who does not have pet allergies for the best feedback.

Air Cleaning or Decontamination

Ozone machine used to clean air in odor environment

Air decontamination is another important step. After odor removal, we recommend using an ozone machine to clean the air. This machine generates ozone (O3), which is highly reactive and bonds with contaminants like odors, bacteria, and viruses, reducing their smell. Continuous ozone generation will help eliminate the odor.

We advise against renting an ozone machine yourself due to the need for proper understanding and precautions. During ozone generation, no one, including pets and plants, should be present in the home.

Conclusion

If you have pet odor damage, hire a professional odor elimination company and avoid using baking soda or cheap chemicals, which can damage your flooring. Stay away from bleach as it can leave permanent stains and is more of a disinfectant than a cleaner.

If you prefer to address it yourself, find the source, treat all contaminated areas, and then ventilate your home by opening windows and doors. For consultation, call Rodriguez Cleaning and Restoration at 502-365-6779.

Carpet cleaning in Bellemeade, KY by Rodriguez Cleaning and Restoration

Check Insurance Coverage Before Winter

Now’s the Time to Check Coverage Before Winter Storms Begin

Now’s the Time to Check Coverage Before Winter Storms Begin

Winter HouseTOPEKA, The calendar shows we are heading toward the time of year when brisk winds, blowing snow and colder temperatures will become the norm. Although the comparatively nice weather has provided many of us with a true autumn, I’m urging people to check their homeowners’ and vehicle insurance policies now to be sure they are protected as we head into the winter season.

The first step I would encourage is to check with your local insurance agents about what’s covered in your policies. Overall, homeowners and vehicle policies provide basic protection, but some policies provide a broader range of coverages than others. It’s best to know what your individual policy contains.

Consumers should review these points about their insurance:  

  • Most homeowners’ policies include coverage for wind, blowing snow and the weight of ice, snow and sleet on the structure.
  • Damage to homes caused by falling objects such as trees is covered under most policies. However, the cost to remove limbs is usually not covered unless the tree first damages the structure.
  • Water damage to a structure or its contents is usually excluded under most property insurance contracts. Check with your local insurance agent to be sure.
  • Some policies may provide coverage from frozen pipes, as long as the damage is not a result of the homeowner’s failure to keep the home adequately heated.
  • Many policies don’t include coverage for water that backs up from drains or sewers. That protection can be added to a policy by purchasing additional coverage or a rider.
  • Flood damage from snow and ice melt is almost always excluded by homeowners’ policies. Flood-related policies can be obtained through the National Flood Insurance Program. Your local agent can provide details and make recommendations on what’s right for you.
  • Vehicle coverage for winter-related accidents involving snow removal could be covered through collision coverage. Check with your agent for details.
  • There are a couple of things to know if you lose power. First, if a fallen tree is to blame for the power outage, you may be covered by your homeowner’s policy. Second, regarding food spoiling in your refrigerator or freezer, a homeowners or renters policy often allows for compensation for food losses, but only up to a certain (usually fairly low dollar) amount. If your deductible is equal to or greater than this amount, unless you have other losses, you probably can’t claim just the loss of the food.
  • Finally, hail damage can occur during the winter months as well. I encourage you to talk to your agent about vehicle and homeowners policies for hail coverage.

When you contact your agent, you should have a copy of your policy or insurance card handy. If you’ve put together a winter storm preparation kit, you might want to keep a copy there.

Before the weather outside gets frightful, take some time to make sure your insurance coverage will help keep the winter blues at bay.

Call now (502) 365-6779 Book online Cleaning service Request help Non-emergency