Month: July 2020

How Do I Get Rid of Water in My Basement?

Having water in your basement causes not only an unpleasant smell in the space and damage to the belongings that you store down there – it can also lead to the appearance of mold in the basement as well as upstairs and of damage to your home’s major systems, including the electrical system, which can be life threatening. This also means that no excess moisture in your basement should be neglected – here is how to get rid of water in your basement space.

Pay Attention to Safety

Water and electricity make a dangerous combination, so avoid handling any device that uses electricity while standing in water. If your basement has been flooded and you need to go down there, put on rubber boots that are at least knee-high and stay away from any wires, cables and devices that use electricity and seem wet. The best way to prevent electrical shock is to turn off the electricity in the basement – if you need light down there, use a torch.

Try to Identify the Source of the Water

The water that has inundated your basement can come from many sources – it can be caused by a flood, by excessive raining or by burst pipes somewhere in the plumbing system. While you probably cannot stop a flood or heavy rain, if you suspect that the water in your basement comes from your plumbing pipes, stop the water supply as soon as you can.

Denver water damage company

Call a Denver Water Damage Restoration Company

These companies are the first respondents to turn to if your basement stands in water. These specialized Denver water damage service providers have professional knowledge and experience in safe and efficient water damage restoration and they use the latest technologies, such as powerful pumps and equipment for drying the floor and the walls in your basement, to make damage restoration safe and fast.

Most water damage restoration companies operate their own website, so a quick query will give you lots of results. It is a good idea to check the background of the companies on your results page quickly – look for a company that is licensed in your state, provides emergency services and round the clock customer service and one that has excellent ratings and reviews as well. The other way to find a reliable water damage clean-up company quickly is by turning to the agent or the independent broker that handles your home insurance policy – insurance companies work with their own approved contractors, so your insurance representative will surely be able to help.

Ideally, the damage restoration team that you have called will arrive quickly. The team will inspect the damaged area, then you will have the opportunity to discuss the details of the water elimination job. The process will probably involve the use of pumps powered by a generator, followed by the use of drying equipment. In most cases, follow-up and further work is also required to restore your basement – some water damage repair companies are licensed to perform construction work as well, while others handle the water elimination process, which means that you might have to look for a basement restoration company for the final phase.

Why Should A Small Business Have Workmen’s Comp Insurance?

Workers’ compensation insurance is a type of policy that is mandatory for businesses in many states, but the legal requirement is not the only reason why the policy is so important for businesses, especially for small enterprises. The coverage provided by the policy gives protection to the business itself as well to its employees – here are some things that you should know about workers’ comp.

Colorado workers compensation insurance

The Scope of Workers’ Comp Insurance

Workers’ compensation is the insurance for businesses that covers work-related injuries and illnesses as well as many of the related aspects. Most employers make substantial efforts to provide safe and healthy work environments to their employees, but despite these efforts, accidents can still happen. For example, if you are a restaurant owner and a member of your staff working in the kitchen cuts their finger, the medical expenses related to accident and the lost wages of the employee are covered for by the workers’ comp insurance. The coverage provided by the policy should not be confused with the coverage provided by the health insurance – if an employee of yours suffers the same accident in their home, the accident did not occur in the employee’s work environment, therefore the expenses will not be covered for by the workers’ comp, but by the medical insurance.

Workers’ comp insurance usually covers for the medical expenses related to the treatment of physical conditions that emerge as the consequence of the employee’s exposure to certain chemicals. The laws that govern that aspect vary from state to state, so before shopping for your workers’ comp, it is a good idea to familiarize yourself with the applicable regulations.

Who Needs Workers’ Comp

As a general rule, every business that has employees is required by the law to have workers’ comp insurance. However, the requirements regarding the insurance are mandated at state-level – in some states, for example, only businesses that have more than three or five employees are required to have workers’ comp. However, the policy is useful for any small business, even for the ones for which the acquisition of the policy is not mandated by local laws and regulations.

How to Get Your Workers’ Compensation Insurance

The best and easiest way to pick the Colorado workers compensation insurance policy that works best for your business is to turn to an Colorado insurance agent or to an independent insurance broker. The difference between the two types of professionals is that agents usually work for one insurer, while brokers work with multiple insurance companies, selling a wider range of products. Both types of specialists can provide you valuable information related to workers’ comp and they can help you choose the policy that suits your needs.

If your broker offers you multiple solutions, choose a policy offered by an insurer that has been in the business for long and has a good reputation, too. The insurance industry is stable in some states, but volatile in others, with insurance companies appearing and going out of business almost overnight, therefore it is in your best interest to buy your insurance from a company that is likely to be around for a long time.