When Disaster Hits
By Jim Neidner

When a natural disaster hits our home we are never prepared, even if we think we have done all of our homework. Houston seems to always be in the national news when hurricanes and flooding occurs. For years on our radio home show (Homeline Talk Radio) we warned homeowners to get flood insurance even if their home was high and dry during past major storms. We also invited Elton Bomer, the former Texas Insurance Commissioner, to discuss the importance of flood insurance. Flood insurance is vital because areas that never flooded are now starting to flood. Another reason to purchase flood insurance is because it is so inexpensive, especially if you’re in an area that’s above the 100-year-flood-plain. Damage from flooding can range from $10,000 to over $100,000 dollars, not to mention the mold remediation cost.

When flooding occurs it brings in bacteria associated with sewer water and the potential for growth from mold and mildew. Another problem area that could be over looked for mold growth is wet insulation canceled inside the wall cavities. Once the rising water has receded, you must cut out all the water damaged sheetrock, remove wet insulation, carpet and pad, wood floorings, baseboards and cabinets. Failure to properly remove and treat water damaged materials will allow harmful mold growth which could be hazardous to your health.

Another area of concern is a home fire. When was the last time you cleaned your wood burning fireplace? Did you know you should have your fireplace cleaned by a professional after burning two-cords of wood to prevent chimney-flue-fires? I bet very few know how much wood they have burned over the years. Also the top of the fireplace chimney crown should be inspected for cracks and loss brick along with your firebox..

When was the last time you had a yearly gas furnace inspection for a cracked heat exchanger?

Last question and could be the most important. When was the last time you updated your homeowner’s insurance coverage? If it’s been several years, construction replacement cost today is very expensive. I suggest that you call your insurance agent and make sure you have enough home replacement and furniture coverage.

Now’s the time to plan for a home disaster, don’t procrastinate like old Harvey always did. In fact, Harvey wanted to form a "Procrastination Club" to help others just like himself. He was even going to be the club President.
However, it never got started because Harvey decided to wait.

No one wants a home disaster, especially if its as simple as updating your homeowners insurance,
so don't be like old Harvey and“Procrastinate!”

Jim Neidner, of Neidner Construction/Remodeling Inc. is a national/state/Houston award-wining remodeler/builder and former national radio home host who is on-line to help you Click Here. www.ihomeline.com or email Jim at email is also a Houston and Colorado Real Estate Agent.