Dangerous to your health and destructive to your belongings, mold spores are always in the air and summer can provide them with the right conditions to grow, especially if you do not have an air conditioner in your building. When it comes to this destructive fungal force, prevention is as important as its treatment, if not more.
Mold Prevention
If you do not have an air conditioner in your home, regularly clean areas that experience humidity or condensation with a cleanser that contains bleach. Such areas include toilets and the floor around them, under sinks, around exposed pipes and windowsills.
Use a fan to circulate the air in the room so hot air does not stay trapped by your ceiling.
If an area of your building gets wet, use fans and dehumidifiers to dry it out immediately. If you experience severe water damage, call a restoration specialist.
Keep everything dry. Because mold thrives in moist conditions, eliminating them can keep mold at bay.
Damaged roofs and leaky pipes can also lead to mold damage, so if it becomes a recurring problem, have your home inspected by a professional.
When the rains clear and you do the regular inspections and maintenance on your business, the last thing you want to find are several pools of water in your crawl space or around your foundation, rot or black mold on the floor and wet documents. Your may want to immediately replace your flooring, but what you must do first is address your drainage problem or you will have repeat water damage problems.
Building Inspections
If your building has a crawl space, inspect it at least twice a year for water entry, flooding or decay. It is also a good idea to have a pest control service inspect the building for signs of critters that can cause structural damage.
Gutter Placement
While conducting a building inspection, make sure the gutters remain directed at least six feet away from the foundation. However, if you have a sloping yard or the business is on a hillside, you may need to extend the gutter drain further. While a runoff drains in the ground may not be your ideal business accessory, you may need to install them just under the surface of the building’s landscaping to prevent pooling. Burying a French drain around the perimeter of your building’s foundation down to the footing is an effective and discrete way to prevent water damage, rot and mold.
Landscaping
Your business’ landscaping may also be to blame for bad drainage. Yards that slope towards a building, mulch, loose rocks, weeds and topsoil near a foundation can direct runoff water and rain towards that area with the help of gravity. If this is a problem you encounter, consider using a heavy clay soil that you compact and slope as your first layer of landscaping can help prevent water from traveling towards your business. Additionally, make sure that concrete walkways, patios and driveways, as well as those made from pavers, slope to ensure proper drainage.
Sump Pumps
If your business is too low for a gravity-drained system to draw water away from the building, you may need to install an exterior sump pump. This will help raise and direct the water to a location where gravity will help drain the water away and prevent flooding.
To report damages to your home, please call the Flood Damage Hotline at 1-877-212-0316 or fill out the Flood Survey.
ND Road Conditions are available on the NDDOT website; always learn about road conditions before traveling during a flood. North Dakota Travel Information is also available from any phone by dialing 511.
In a press release today, FEMA announced that Kentucky business owners directly affected by the April 22 to May 20 storms, tornadoes and floods might be eligible for Disaster Unemployment Assistance (DUA). The DUA is a special unemployment compensation program for those who do not qualify for standard unemployment assistance through their state.
Assistance Eligibility
If you are a Kentucky business owner, in order to qualify, one of the following situations must apply to you:
You cannot run your business because of the floods, storms or tornadoes.
You cannot reach your business because of “disaster-related travel disruptions.”
You cannot work because you sustained a disaster-related injury.
You cannot operate your business or work because the storms damaged your building.
You live or own a business in one of the 17 Kentucky counties eligible for Individual Assistance through FEMA and the Kentucky Division of Emergency Management.
Disaster Assistance Filing Dates
June 24, 2011: for Boyd, Crittenden, Graves, Hardin, Hickman, Jefferson, Marshall, McCracken, Livingston, Union and Webster counties
To be determined: for Ballard, Daviess, Henderson, Lawrence, McLean and Pike counties
FEMA states:
“Unemployment payments up to 26 weeks are available for workers who temporarily lost jobs because of the storms and who don’t normally qualify for unemployment insurance benefits, such as farmers and self-employed individuals.
“Applications can be submitted at a local Office of Employment and Training. When filing a claim, self-employed individuals should bring a copy of their 2010 income tax return. Other applicants need a photo identification card and their Social Security number.
“Joint damage assessments continue in other counties and additional counties may be added for IA. Residents that suffered storm and flood related damage are encouraged to document and photo the damage and keep any repair receipts. Please report any damage to your local emergency management.”
Without a business continuity plan, a storm can shut down your operations for good if you are not prepared. Your continuity plan should also include what to do after a storm.
The Associate Press reports that the last month of twisters has already made 2011 the deadliest year regarding tornadoes in over five decades. What may be even more disturbing is that the tornado-affected areas have the highest rate of homes without homeowner’s insurance. Consequently, some of the families who need the most insurance-related assistance do not have it and will have a harder time recouping their losses. While the federal government is able to offer some assistance, the law limits the amount of assistance it can provide to $30,300 per household.
The Most Hazard-Prone
The federal government mandates the purchase of flood insurance in specific zones, but homeowner’s insurance is not. So far, the tornadoes have cost the lives of over 450 individuals and over a billion dollars in damage. The state of Mississippi has the second largest percentage of homes in the U.S. to not carry homeowner’s insurance that covers wind damage and is one of the top five states to have the most tornadoes touch the land in the last five years. Arkansas has the fourth largest percentage of uninsured homes in the U.S. and is number 10 in the list of states that are most tornado-prone. Missouri, Kansas and Oklahoma are among the top 10 states to have the most tornadoes in the country, and have a high percentage of uninsured homes.
Not Insuring a Home ≠ Money Savings
The reason so many homes in the tornado-torn areas of the U.S. do not have homeowner’s insurance is because the owners no longer have a mortgage, so the banks do not require such coverage. When an individual owns a home and no longer has to make mortgage payments, the decision to purchase homeowners insurance is strictly personal. The AP report associates much of the lack of insurance on the high cost to insure older homes and the higher poverty levels. However, as many homeowners found out, going without homeowner’s insurance will not necessarily save you money in the future.
More than 100,000 households and individuals who are victims of the recent tornadoes are waiting to receive FEMA disaster assistance in order to have access to basic needs, temporary shelter and financial assistance for home repairs. A homeowner’s insurance policy helps provide the funds for hotel costs, meals, property replacement, to rebuild a home and general recovery from a storm. Insurance is a matter of risk, and the question begs: Is it worth foregoing the purchase of insurance in order to save money in the present? The decision is strictly personal.
Dangerous to your health and destructive to your belongings, mold spores are always in the air and summer can provide them with the right conditions to grow, especially if you do not have an air conditioner in your building. When it comes to this destructive fungal force, prevention is as important as its treatment, if not more.
