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bzalma · 6 months

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No Good Deed Goes Unpunished

After Paying the Insured More than $637,000 he Sues for More

Barry Zalma

Nov 21, 2023

Read the full article at https://lnkd.in/g-Fbdjn4 and see the full video at https://lnkd.in/gxJwm8Fn and at https://lnkd.in/gHemiJGD and at https://zalma.com/blog plus more than 4650 posts.

Vahagun Safarian appealed from the judgment entered after the trial court granted the summary judgment motion filed by Fire Insurance Exchange (Fire). Safarian sued Fire for breach of contract and related claims after Fire denied in part Safarian's claim for coverage under his homeowner's insurance policy for damage to the foundation of his home resulting from a burst pipe that flooded the soil around the home.

In Vahagun Safarian v. Fire Insurance Exchange, B323862, California Court of Appeals, Second District, Seventh Division (November 14, 2023) Safarian asked the Court of Appeals to provide coverage for damages over the almost $700,000 received for damages due to a water line break and water damages.

FACTUAL BACKGROUND

Fire issued Safarian homeowner's insurance policy effective from June 13, 2017 through June 13, 2018 (Policy). The insured property was Safarian's three-level hillside home on Sunset Drive in Los Angeles (Property).

Paragraph 12, states, "We do not insure loss or damage consisting of, composed of or which is the movement, settling, cracking, bulging, shrinking, heaving, or expanding of any part of covered property, whether natural or otherwise .... [¶] [This] includes by way of example but not limited to foundations, foundation fill material, foundation piers, foundation beams, slabs, pads, patios, walls, floors."

The policy also provided that "This water exclusion applies even if water combines or contributes in any way with any other excluded cause of loss or damage hereunder to cause loss or damage..." And the policy at paragraph (f) specifically excludes foundation damage.

PROPERTY DAMAGE, CLAIM, AND LAWSUIT

Water flooded the exterior of the Property as well. Safarian submitted a claim to Fire for water damage to the Property. Fire ultimately paid Safarian $637,999 in policy benefits, including $313,371 for damage to the Property, with the remainder for damage to personal property and loss of use.

Safarian hired William Musakhanyan, a licensed public adjuster, to handle his claim. Musakhanyan notified Hodson that the Property may have sustained foundation damage as a result of the plumbing breach. On March 12, 2018 a structural engineer retained by Safarian reported, "The water leak also appears to have caused fill soils in the crawl [space] . . . to settle," which in turn caused interior floor tiles to separate and an exterior foundation wall to develop cracks. Musakhanyan transmitted the engineer's report to Hodson, who on April 10 responded by email, "Per our conversation-as you know, Earth movement is not covered."

Fire denied Safarian's claim for foundation damage. Safarian sued .

FIRE'S MOTION FOR SUMMARY JUDGMENT

Fire argued it paid all covered damages and therefore did not breach the Policy. The trial court found the language of the Policy was undisputed and the trial court found that Safarian failed to meet his burden to prove Fire intentionally relinquished its right to invoke the paragraph (f) foundation damage exclusion, and he could not meet this burden based only on Fire's denial of coverage in light of Fire's reservation of rights in the denial letter. Finally, the court found that because there was no breach of contract, Fire was entitled to summary judgment as to the entire action.

DISCUSSION

In general, interpretation of an insurance policy is a question of law that is decided under settled rules of contract interpretation. The insured has the burden of establishing that a claim, unless specifically excluded, is within basic coverage, while the insurer has the burden of establishing that a specific exclusion applies.

On appeal, Safarian contended the water coverage extension provided coverage for any damage to the Property resulting from a plumbing breach, regardless of whether the damage was an uninsured loss under the Policy's general terms. The Court of Appeal agreed with the trial court that foundation damage is not a covered loss under the Policy, regardless of the cause, and Fire was entitled to judgment as a matter of law.

The dispositive issue here was not, as argued by Safarian, the convergence of a covered peril (flooding from the burst pipe) and an excluded peril (earth movement, water, soil conditions, and settling) because the purported covered peril is not covered at all. The water damage extension for a burst pipe itself has an exclusion in paragraph (f) for foundation damage. Thus, neither peril provides coverage.

Safarian contended that Fire waived its right to enforce the paragraph (f) foundation damage exclusion by failing to assert it during the adjustment of his claim. Waiver is not established merely by evidence that the insurer failed to specify the exclusion in a letter reserving rights. Safarian did not present evidence that Fire intentionally relinquished its right to assert the paragraph (f) foundation damage exclusion. Fire was free to develop one defense without impliedly waiving another.

ZALMA OPINION

No insurance policy covers every possible risk of loss. Fire found coverage for the damage done by the burst pipe and paid the insured what he agreed to concerning damage to the structure and his contents for more than $670,000. He then sought payment for damages due to settlement of the structure and its foundation that was clearly and unambiguously excluded by trying to create coverage without a basis in the policy or in the facts of the claims handling.

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#insurance #claims #insurance claims #exclusion #homeowners #water damage #settlement #expansion #earth movement #insurance books #amazon.com

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lucyoccupy · 1 year

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Homeowner Insurer Fraud and Racketeering: How to Get Help when DIY is just too hard....

What is RICO racketeering? Racketeering is defined as any illegal activity committed for financial gain. The RICO Act (Racketeer Influenced and Corrupt Organizations Act) is a federal law that allows prosecution and civil action against individuals and organizations engaged in racketeering. The RICO Act also provides for the forfeiture of assets derived from or used in racketeering. What is…

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#BlackMoldMatters - BLACK MOLD MATTERS #StateFarmFiles #VideoMatters - DO THE MATH #Homeowners Insurance #how can lawfare harm the self-represented ?#Racketeering is not a victimless crime #Remorseless Abuses against Americans With Disabilities -- FOR PROFIT!#TWITTER FILES #Water Damage #WE ARE THE MEDIA NOW

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phantomrose96 · 1 year

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Yknow I don't think I've... talked about the absolute smorgasbord of shit what's gone wrong with my condo since I moved in so

day 0 - hadn't moved in yet, was just moving items over, turned the sink on for just a moment. turns out the tube feeding into the sink faucet was full of holes (how???) and this caused a never-ending leak under the sink. the standing water rotted the baseboard under the sink

still day 0 - said leak and water accrual dripped down and damaged downstairs neighbor's ceiling ($$$). she has to call me to tell me about it.

I have to get a plumber out there next day (still not living there yet! empty place! I have to take off work). While waiting for plumber, I discover heat's not working.

Go to basement to investigate boiler. Seller didn't fix the issue they claimed they fixed.

Plumber looks at sink. Declares it full of holes. Says he can come back in a few days to fix it.

(Plumber postpones, then flakes. I chase down a different plumber.)

Plumber 2 says the issue is with the garbage disposal, not the faucet. Can come back x days later to work on that, and the boiler.

Plumber 2 comes back x days later (I have to take off work again), says "oh the disposal was messed up but also the faucet has holes." Says he can come back maybe the NEXT day with a new faucet

Oh also the smoke detector in the back hall is low battery beeping and I don't have a battery for it. It's constant, every minute on the minute.

I bike to a hardware store and buy a faucet and a battery ($$). Get lost on the way home. (All of this back and forth is by bike. I live in the city and do not have a car.)

Plumber replaces the faucet ($$). I replace the smoke detector battery but it's still beeping. Dozens of more stupid minutes later of going up and down and up and down stairs and dragging my big stupid ladder around, I realize it's the carbon monoxide detector which is hidden behind the door I need to open to even get to the back hallway.

Plumber services the boiler ($$$)

I move in. I have a less than great time emptying everything from my apartment, which doesn't have plumbing issues. On a bad foot to start.

Travel for Christmas. Come back. Now the first floor back-hall smoke detector is beeping. (At least I have a fucking battery. Get my big stupid ladder down the back hall, knock every wall on the way down, and replace that battery).

I get first month's heating bill (I'd been living there for 10 days if even.) $334. Jesus christ. Likely due to the boiler issue.

Electricity goes out for the evening, same day as I get this bill from the gas and electric company, because fuck you I guess.

Homeowners insurance log in doesn't work. I haven't received my bill, which I need to pay.

Radiators bang in the middle of the night. Something something about them being old or not level or full of ghosts. Cool I don't need to sleep or whatever.

I've received no correspondence from the bank about my first mortgage payment. It'll be due Jan 1st, which is a holiday, so I reach out early. They say it's in the mail.

I monitor my mail every day. I receive no mail. I contact again. I reach out to my old apartment building in case it's there (they can't tell me). I sign up for a bank account with them online. I jump through various hoops to discover the bank has my address wrong. The address of the place the mortgage is on...

They had the mortgage address right. They had my home address as identical to the mortgage address but with one number missing. No one noticed. They'd been sending my stuff to a non-existent address, or the back of a college warehouse, I haven't quite figured it out.

I jump through more hoops to pay my mortgage payment with a check in the mail (I had to go buy stamps and an envelope) (late, but they assure me there's no penalty, but are you sure.)

^This has all been about 2 weeks. btw.

(I get a therapist, and find my way to being seen by a psychiatrist, which I guess is good but jesus is it $$$. Still figuring out how to use my stupid HSA)

People on floor 1 move out. They've got contractors in constantly renovating the place top to bottom. I get all their paint fumes.

Sound proofing doesn't exist, turns out. I hear my downstairs neighbors' conversations. I hear their tv. I hear street conversations. One night it was pouring rain and I was woken up by the sound of something banging against the house. Like genuinely banging. I go outside and investigate - it's a car idling with their windshield wipers going. Windshield wipers. Why would that be audible. Walls made of paper.

Floor 1 contactors leave the back door open one night. Luckily I wasn't storing anything in the back hall and had the door to my interior locked.

I receive my next month's heating bill. $689. I call the gas company and they shrug. I call the plumber and he shrugs. I turn the heat way down cuz I don't know. I dunno. Something's wrong with the boiler but it just got serviced so I dunno. I have to call someone else.

Speak of the devil, cones appear immediately outside my building declaring there's going to be gas line work. For a month. They start with the jackhammers at 8am every weekday. It's gonna be a month. I miss the windshield wipers.

We have a weekend of arctic freeze. -30F windchill. I go down to the basement Sunday morning to do laundry. Floor 1 contractors have outdone themselves by leaving a window open. Pipe had burst in floor 1 and was pouring water down into the basement, totally flooded.

I have to call the plumber, and flag the Floor 2 people about it and they at least find the master water shutoff. I'm dealing with the plumber and I have no water for half the day and no laundry for me.

I want to lie down in a marsh for a bit.

#chrissy speaks #this isnt even touching on the stuff I am simply BAD at #like figuring out furnishing #which has been a whole fucking ordeal but thats because im bad at it so its not like i can blame anything else

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marlynnofmany · 7 months

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Pro tip for anyone who lives in a building with a toilet: if the plunger isn't working, and you're tempted to leave the clog until the morning, make sure the water isn't still flowing into the bowl.

And make sure it's not on the ground floor of a two-story house, with a communal plumbing pipe that is now clogged deep enough for any water upstairs to come out that toilet.

...

Related tips:

Carpet that has been soaked in poo water cannot be cleaned by human hands, even with one of those steamer machines.

Drywall that has been soaked in poo water will need to have a one-foot "flood cut" carved into it, to remove the damaged area.

You know that part in ET where the house is covered in tarps because Biohazard™? The water damage people will need to recreate that, with zipper doorways and industrial dehumidifier fans roaring day and night for 3-5 days.

Cats can and will climb inside any holes in the wall. Yes, even that one. Yes, they can climb upward too.

Homeowner's insurance is GREAT.

This little misadventure will cost upwards of $17,000 to fix (but we only have to pay $1000 of it). That's still an expensive clot of toilet paper.

In other news, our new carpet is going to be a different color, and that's exciting.

#life has been an adventure lately #I have learned so many things!#verrrry grateful for that insurance #because wow #plumbing #toilets #who knew?#facts about me #we're gonna use this as an excuse to make everything cleaner and cooler looking #so that's awesome #but the experience thus far has been #uh #not great #adventures in adulting #PSA #make sure any young'uns understand what is a reasonable amount of toilet paper to flush #and what is An Problem #because YEAH this was a problem #toiletpocalypse 2023

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sonneillonv · 2 months

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I just want to remind y'all why you should have insurance.

Because I am not a perfect person, I put off getting insurance on my crappy little prefab home. Now I have a leak in the roof. The roofer got up there and let me know that even though my shingles are new (I was told when I moved in that the roof had recently been redone), the underlayment is NOT new and is compromised. He said it looks like a DIY job, and the shingles that were used are so cheap they were discontinued because their unreliability meant they were seldom up to code. In other words, previous homeowner did it himself and did a shitty job.

It's $10-13k to re-roof. I was basically expecting that. HOWEVER, because the roof is shitty, there's internal and wall damage as well that needs to be fixed eventually. Probably some mold. Obviously that will be a whole other cost as well.

He showed me photos of hail damage to the shingles.

If I'd had insurance, even if they typically didn't cover water damage, those hail marks would have earned me a fully covered claim for both the roof and all the internals. All of it. Instead I'm out of pocket.

Y'all, I'm an insurance agent. I know better. I got lazy. Now it will cost me probably $20k when all is said and done. PLEASE take my advice: get your place insured, EVEN IF YOU RENT, so you can be lazy LATER when something happens, and let the insurance take care of it.

#insurance #home ownership #idk how to tag this #I just want folks to see it so plz reblog?#reblog to save a life

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mrsterlingeverything · 5 months

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Putting tarps under shingles tomorrow to mitigate some water damage and its gonna pay WELL 👍 idk when im gonna get the money for it but we'll send the bill to the insurance company and it saves them a lot of money for the repairs and it saves the homeowners from more inside damage.. :3

#8/12 roof pitch 2 stories up so kinda precarious but not terrible

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dontmeantobepoliticalbut · 10 months

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When Hurricane Ian pummeled Florida last week, it left a stunning trail of physical devastation in its wake. Entire neighborhoods vanished beneath water, cities were shredded by 150-mile-per-hour winds, and thousands of people lost their homes overnight.

Though the storm has since dissipated, it will bring even more turmoil to the Sunshine State in the coming months — but this damage will be financial rather than physical. Ratings agencies and real estate companies have estimated the storm’s damages at anywhere between $30 and $60 billion, which would make it one of the largest insured loss events in U.S. history.

Wind damage is covered by standard homeowner’s insurance, and the payouts necessitated by Hurricane Ian’s extensive wreckage are likely to accelerate the collapse of the state’s homeowner’s insurance industry, driving private companies into bankruptcy and forcing thousands more Floridians into a state-run program with questionable long-term prospects. The process offers an early view of the way that natural disasters fueled by climate change threaten to upend regional economies.

Home insurance costs are poised to skyrocket for all Floridians — not just those who live in the places most vulnerable to major storms. The state will be forced to impose new taxes and penalties as it tries to keep the market afloat. New burdens will fall largely on low- and middle-income homeowners. For many working class Floridians, homeownership may become impossible to afford as a result.

“We already have a housing affordability crisis, and now we’re adding this new pressure,” said Zac Taylor, a professor at the Delft University of Technology who has studied climate risk in Florida and grew up in the city of Tampa. “Insurance is potentially the thing that is destabilizing homeownership — ironically, because it’s the thing that’s supposed to protect [homeownership] and make it possible.”

While homeowner’s insurance nationwide averages around $1500 a year, Floridians already pay almost three times as much. The state’s insurance market has been struggling ever since Hurricane Andrew made landfall south of Miami in 1992 and damaged more than 150,000 buildings. After Andrew, large private insurers like Travelers and Allstate froze their business in the state rather than risk having to pay for future disasters. This led to the creation of a public option called Citizens, which functions as an “insurer of last resort” for people who can’t find private coverage. The state also subsidized small “specialty” insurers who would only offer homeowner’s coverage in Florida, shifting market share away from national companies.

But this local market has begun to teeter in recent years, even in the absence of any major hurricanes. One reason is that Florida has become a hotbed for sham roof-repair lawsuits. Shady contractors approach a homeowner and offer her a free new roof, then file a claim with her insurer on her behalf, even if her roof didn’t actually suffer any insurable damage. Then, the contractors litigate the claim until the insurer settles. This has gotten quite expensive for insurers in the state: Florida accounted for 8% of all homeowner’s insurance claims in the United States in 2019, but more than 75% of all insurance lawsuits.

At the same time, it has become much more expensive for insurance companies to purchase their own insurance. The companies buy this so-called “reinsurance” to guarantee that they have enough money to make large payouts after big disasters, but the large global companies that sell reinsurance have gotten cagey about offering it in Florida, considering that the state has built millions of additional homes in areas vulnerable to natural disasters even as climate change increases their risk. The reinsurance companies have raised prices to account for this, and many local insurers have struggled to keep up with the costs.

The high costs of litigation and reinsurance had already driven six local insurers bankrupt so far this year, even before Hurricane Ian. In the summer, a ratings firm called Demotech threatened to downgrade several other specialty insurers, saying they weren’t stable enough to deal with a big storm. That downgrade would have made them worthless in the eyes of major lenders and effectively removed them from the market. It caused a flurry of concern from state lawmakers, one of whom said the market was about to “collapse.”

Hurricane Ian is likely to hasten that collapse by driving at least a few more homeowner’s insurance companies into bankruptcy. If Ian’s damages are close to the estimated $30 to $50 billion, it would be especially catastrophic for Florida’s already-struggling specialty insurers. The companies that do survive will have to pay even more for reinsurance, which will force them to further raise prices.

“I would predict the price of insurance will go up in Florida, or, certainly insurers will be looking for price increases,” Alice Hill, a climate change and insurance expert at the Council on Foreign Relations, told Grist. “It’s proving to be risky, particularly with climate change, looking at these storms intensifying more quickly.… Homeowner’s insurance is written on a year-by-year basis, so if a big event comes through, there’s a change next year.”

New bankruptcies and price hikes on the private market would drive thousands more Floridians to Citizens, the public insurance provider that the state established after Hurricane Andrew. The number of Floridians enrolled in Citizens has already surged over the past decade as other private insurers have collapsed, and this year the program surpassed 1 million policyholders for the first time, having doubled in size over two years. It controls around 15% of the insurance market — and more than twice that in especially vulnerable places like Miami.

“You’re going to see a big increase in the number of policies going to Citizens, and you could see a significant portion of the private market just go away,” said Charles Nyce, a professor of risk management at Florida State University and an expert on the state’s insurance market. “And the more of the market Citizens takes, the more at risk the state is.”

That’s because the state is on the hook to help Citizens pay out claims after big storms. Citizens has about $13 billion right now, and early estimates suggest that claims from Ian will only cost the program around $4 billion, so it’s not in any immediate financial jeopardy. But the program will balloon in size over the coming years as it absorbs all the people who lose coverage on the private market after Ian, and its expanding roster will leave it more vulnerable to the next big storm. If another Ian comes around, Citizens might find itself short on cash.

This would force Citizens to make what is called an assessment, or a “hurricane tax” in local lingo. When the program faces financial difficulties, it can impose a surcharge on every person in Florida who buys any kind of property insurance, from home insurance to auto insurance to business insurance. This surcharge acts as a kind of tax subsidy for people in vulnerable areas: Everyone in Florida ponies up to ensure the state can help storm victims rebuild.

“That’s the biggest concern I have,” said Nyce. “Say you’re a single mom working in Orlando living in an apartment, but yet you have to own a car. Now you’re paying an assessment on your auto insurance to subsidize someone who lives on the beach.”

Since Hurricane Ian is unlikely to stem the tide of new arrivals to Florida — and since the only insurance option for these new arrivals will be Citizens — Nyce said that these assessments could become much more common as the years go on. In the past they have never exceeded around 1.5% of annual insurance bills, but future storms could drive that number higher.

Citizens can also issue bonds to fund payouts, said Nyce. But because it would issue those bonds against the state’s credit rating, doing so could dampen the state’s own ability to borrow money, again leading to higher costs down the road. And the more tax revenue the state spends propping up Citizens, the less it has to fund other essential services like education and transportation.

The upshot is that Hurricane Ian could make life in Florida a lot more expensive for everyone in the state who owns a home or a car. Decades of rapid development and a new era of supercharged storms have created a risk burden that is impossible for the private insurance market to bear. Now, in the aftermath of Ian, the state’s 21 million residents will assume more and more of that risk, and their wallets will see its earliest effects.

For an example of how these costs might impact vulnerable Floridians, Taylor pointed to the community of Miami Gardens, a majority-Black community in the Miami metroplex that is one of the last places in the region where homes are affordable.

“How is this community supposed to reduce its risk?” they said. “How are homeowners going to deal with this? We’re talking potentially the equivalent of multiple monthly mortgage payments … and this is not poised to go [back] down. Fewer and fewer people are going to be able to afford their houses.”

#us politics #news #grist #2022 #florida #homeowners insurance #Hurricane Ian #Florida insurance market #insurance market #travelers insurance #allstate insurance #Citizens insurance #insurance claims #insurance lawsuits #hurricane tax #Florida credit rating

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creativeimagelandscapes · 4 months

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Transforming Outdoor Spaces: The Art of Landscape Construction Melbourne

Melbourne, known for its lively culture, varied communities, and beautiful natural surroundings, embraces outdoor living. More and more homeowners want to fashion unique sanctuaries in their yards, turning them into lavish getaways ideal for socializing, unwinding, and communing with the environment. This is where landscape construction melbourne becomes essential.

Crafting Outdoor Living Experiences

Imagine a space where the boundaries between indoor and outdoor living blur effortlessly. This is the essence of the outdoor living services offered by expert landscape construction teams in Melbourne. From concept to construction, the focus is on delivering customized turnkey solutions that elevate your outdoor space into a luxurious retreat, perfect for year-round entertainment.

The meticulous process involves creating visually stunning features like decking, pergolas, fireplaces, and outdoor kitchens and considering the practical aspects of safety and functionality. It's not just about design ideas; it's about a comprehensive approach that includes appliance and material selection, permits, drafting, construction, and even electrical design and connection. The result is a space that not only impresses aesthetically but also works seamlessly for you and your family.

Creating an Oasis of Serenity

Melbourne's landscape construction expertise extends to creating tranquil pool areas seamlessly integrated into the surrounding environment. The process is not just about building a pool; it's about creating a relaxing atmosphere that harmonizes with your property's look and feel. Collaborating closely with pool builders, the focus is on determining the optimal pool position and height, ensuring aesthetics and functionality align effortlessly.

Attention to detail goes beyond the pool itself. Expert teams assist in colour selection for paving, ensuring a cohesive visual appeal with your home. With a keen eye for quality, only the finest materials, from pavers to silicon and sealing, are chosen to withstand the test of time against water damage and salt corrosion. In addition, the team's extensive experience in drainage plans, pool fencing regulations, and compliance guarantees a beautiful, functional pool area that stands the test of time.

Excavation Excellence: Turning Challenges into Opportunities

Behind every meticulously crafted outdoor space lies the groundwork, and excavation is where the transformation begins. Landscape construction teams equipped with a range of excavation equipment, full insurance, and extensive knowledge of tools and safety procedures ensure that the dirty work is left in the hands of experts.

From site excavation to post-hole drilling, site clean-ups, and landscape preparation, the focus is on precision and efficiency. The team seamlessly handles rubbish removal, making the entire process hassle-free. It's about turning challenges into opportunities, ensuring the canvas is primed for creating stunning outdoor environments.

The Harmonious Symphony of Art and Functionality

Creative Image Landscapes has elevated the art of landscape construction in Melbourne beyond a transactional service. It is a commitment to transforming outdoor spaces into living masterpieces that reflect the unique character of the city and its residents. The enduring beauty of their work serves as a testament to the harmonious marriage of nature, design, and functionality that defines the landscapes crafted by us. As the city evolves, so does the art of outdoor transformation, with us at the forefront of this enduring journey.

#contractor #landscape #landscape design

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dear-indies · 9 months

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Re flooding information: please signal boost for people experience flooding including residential homes, basements(idk do California's have basements? ((What's is the regionality of basements in the us, ))churches, nonprofits, and businesses.

Don't wash off the water lines on your walls or allow others to power wash off water lines before being assess for damage by FEMA and property insurance. These confirm depth & are used to help identify Degree of damage. Homes without obvious lines are often left out of assessments adding to difficulties for homeowners to get financial aid.

If buildings do not have water lines they have no chance or are unable to get extreme difficulty ' proving' damage and being reimbursed..

Take a shit ton of photos with day and time stamps.

Source:: my father volunteers and does damage assessment with FEMA. He uh makes sure there's water marks if people have pressure washed things off- which is the first thing home owners do.

But you may not get lucky to get a sneaky bastard like my dad so don't wash out water lines.

ty anon!

#flooding information #not rp related

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lucyoccupy · 1 year

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Discovery Abuse in the American Legal System: How the System Fails the Disabled Plaintiff - RICO ADMISSIONS AND DISCOVERY

Admissions and discovery lawfare are used to overwhelm self-represented plaintiffs. They did it again. After the Court granted leave to amend the Complaint by or before February 28, 2023, on December 5 and 20, 2022, one of the defense counsels in Linda Ayres vs State Farm et al has decided upon further lawfare, as a pattern of practice, and has requested admissions from the self-represented…

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#StateFarmFiles #Billable Hours #Homeowners Insurance #lawfare #LINDA AYRES VS STATE FARM ET AL #litigation support #Remorseless Abuses against Americans With Disabilities -- FOR PROFIT!#TWITTER FILES #Water Damage #WE ARE THE MEDIA NOW

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daniel-level · 6 months

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In the vibrant city of Toronto, where diverse neighborhoods and architectural styles coexist, homeowners often face a common challenge – damp basements. Whether it's due to the city's unpredictable weather, aging infrastructure, or poor drainage, water intrusion can turn a once-cozy basement into a damp and uncomfortable space. This guide is dedicated to unveiling top-notch Toronto waterproofing services, providing homeowners with the insights they need to transform dampness into dryness and reclaim their basements.

The Need for Waterproofing in Toronto

Toronto experiences a climate characterized by cold winters and warm summers, making it susceptible to various weather-related challenges. Common issues that homeowners in Toronto face include:

Basement Leaks:Heavy rainfall, melting snow, and shifting soil can contribute to basement leaks. Waterproofing becomes essential to prevent water from seeping through foundation walls and causing damage.

Humidity and Mold Growth:Damp basements often lead to increased humidity levels, creating an ideal environment for mold and mildew to thrive. This not only poses health risks but also compromises indoor air quality.

Foundation Cracks:Over time, Toronto's freeze-thaw cycles and natural settlement can lead to cracks in the foundation, providing pathways for water to enter the basement.

Sump Pump Failures:Homes equipped with sump pumps may face issues such as pump failures or inadequate drainage, leading to water accumulation in the basement.

Qualities of Top Toronto Waterproofing Services

Expertise in Basement Assessment:The best Toronto waterproofing services begin with a thorough assessment of the basement. This involves identifying the root causes of leaks, whether they stem from foundation cracks, drainage issues, or other vulnerabilities.

Customized Solutions:Each basement is unique, and effective waterproofing requires tailored solutions. Top services take into account the specific needs and challenges of a property, offering customized approaches that address the underlying issues.

Quality Materials and Technology:Leading waterproofing services utilize high-quality materials and the latest technology. This ensures the longevity and effectiveness of the repairs, providing homeowners with a durable solution to their damp basement concerns.

Transparent Communication:Clear communication is a hallmark of the best waterproofing services. Homeowners are kept informed at every stage, with explanations of proposed repairs, associated costs, and expected outcomes. Transparency builds trust and confidence in the repair process.

Top Toronto Waterproofing Services

Toronto Waterproofing Experts:Toronto Waterproofing Experts stand out for their comprehensive approach to basement waterproofing. From exterior foundation repairs to interior drainage solutions, they provide a range of services tailored to the unique challenges faced by Toronto homeowners. With a team of skilled professionals, they aim to transform damp basements into dry havens.

DryBasements Toronto:Specializing in basement waterproofing, DryBasements Toronto has earned a reputation for its expertise in addressing leaks and moisture issues. Their team is equipped to handle both interior and exterior waterproofing, offering a holistic solution to damp basements in the city.

EcoSeal Toronto Waterproofing:EcoSeal Toronto Waterproofing is known for its commitment to environmentally friendly solutions. They employ eco-conscious materials and practices in their waterproofing services, making them a top choice for homeowners seeking sustainability alongside effective moisture control.

Citywide Waterproofing:Citywide Waterproofing boasts a track record of success in tackling Toronto's diverse waterproofing challenges. With a focus on innovative technologies and skilled craftsmanship, they aim to deliver lasting solutions that keep basements dry and comfortable.

Choosing the Right Waterproofing Service for Your Basement in Toronto

Selecting the right waterproofing service is crucial for ensuring the longevity and resilience of your home. Consider the following factors:

Experience and Reputation:Look for services with a proven track record in Toronto. Reviews and testimonials from satisfied customers can provide insights into the reliability and effectiveness of the service.

Guarantees and Warranties:A reputable waterproofing service should offer guarantees on their work and warranties on materials. This commitment speaks to their confidence in the durability of their repairs.

Licensed and Insured:Ensure that the service is licensed and carries appropriate insurance. This not only indicates professionalism but also protects you in case of any unforeseen issues.

Customer Service:Assess the level of customer service provided by the waterproofing service. Responsive communication and a commitment to customer satisfaction are indicators of a service that values its clients.

Conclusion

In the bustling metropolis of Toronto, where modern living meets historical charm, the battle against damp basements is a shared experience among homeowners. The top Toronto waterproofing services, including Toronto Waterproofing Experts, Dry Basements Toronto, Eco Seal Toronto Waterproofing, and Citywide Waterproofing, stand ready to address the unique challenges faced by Toronto residents. By understanding the importance of waterproofing and selecting a service that embodies the qualities outlined in this guide, homeowners can transform damp basements into dry havens, ensuring comfort and peace of mind for years to come.

#Toronto Waterproofing services

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mekkajayy · 7 months

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NaCl in Louisiana?? What does this even mean?

How are Southeast Louisiana homeowners, businesses, and communities affected by the Mississippi River Saltwater Intrusion?

Residents of Southeast Louisiana will face hardship as a result of the saltwater contamination. The Mississippi River today provides sustainable drinking water for thousands of people, but future salt water contamination will render the water unfit to drink. Residents who are uninformed of the hazards of salt water may believe that boiling the water will remove the salt, but science suggests that this is not the best course of action. Business owners, particularly those in the fast food industry, will be affected. Water is utilized for cooking and cleaning, however due to the high salt concentration, companies may be forced to close temporarily. The high salt water percentage in the Mississippi River also poses a significant risk to homeowners. The saline water has the ability to corrode the pipelines in the water system. Salt water can hasten pipe corrosion in water distribution systems. Saltwater intrusion, according to health officials, could erode lead and galvanized steel pipes, potentially leaking heavy metals into drinking water, depending on how long the situation lasts. As a result of the repair damage, many homeowners' insurance premiums will rise.

Do you believe the saltwater intrusion is currently being handled appropriately?

Emergency management officials have been collaborating for weeks and moving with deliberate speed on various plans to dilute the salt in water systems, including the construction of costly pipelines, rushing in fresh water from further upriver, implementing saltwater extraction equipment, and augmenting the underwater dams. In response to salt water contamination, Jefferson Parish leaders plan to construct four temporary water lines on the West Bank and five on the East Bank.

Why do you think some people are hesitant to trust authorities about the saltwater intrusion issue?

Because of the absence of security, I believe people are afraid to trust officials with the salt water poisoning. Officials are merely warning people about the hazards of the salt water crisis while giving few resources or plans for managing it. In response to environmental concerns, individuals flood grocery stores in search of water, believing they will go without. Lack of security stems from the Flint, Michigan water catastrophe; some residents are still without safe drinking water. The lack of help provided to inhabitants of Flint, Michigan does not set a good example for other U.S citizens.

References

Brand, E. (2023, October 5). Metro area businesses prepare for saltwater intrusion challenges. WDSU. Retrieved October 30, 2023, from https://www.wdsu.com/article/metro-area-businesses-prepare-for-saltwater-intrusion-challenges/45311947

Hudson, B. (2023, February 15). 'Flint is not fixed': Activists demand change years after water crisis started. FOX 2 Detroit. Retrieved October 30, 2023, from https://www.fox2detroit.com/news/flint-is-not-fixed-activists-demand-change-years-after-water-crisis

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myelectricaura · 1 year

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Flat Roofing Contractor Services

Are you tired of endlessly searching for a reliable contractor to fix your leaky flat roof? Do you want to avoid the hassle and stress that come with poor workmanship and high repair costs? Look no further! Our flat roofing contractor services are here to take the burden off your shoulders. We offer top-notch craftsmanship, excellent customer service, and competitive pricing. So sit back, relax, and let us handle all your roofing needs!

What is a flat roof?

A flat roof is a type of roofing system that has a uniform and level surface. The term “flat” is used in reference to the horizontal plane rather than the sloped or pitched roofs commonly seen on residential and commercial buildings. While most flat roofs are indeed flat, there is usually a slight gradient or pitch to the surface in order for water to drain off.

What are the benefits of a flat roof?

A flat roof has a number of benefits that make it an attractive option for many homeowners and businesses. For one, flat roofs are much easier to maintain than pitched roofs. They don't require as much regular upkeep and can last for decades with proper care. Flat roofs also provide a great deal of usable space on top of the building that can be utilized for storage, solar panels, or even outdoor entertaining areas. Additionally, flat roofs tend to be more energy-efficient than pitched roofs since they reflect heat better in the summer and retain heat in the winter.

What are the different types of flat roofs?

There are four main types of flat roofs: built-up roofing, single-ply membrane roofing, spray foam roofing, and metal roofing. Built-Up Roofing: Built-up roofing is one of the most common types of flat roofs. It is made up of multiple layers of tar and gravel that are applied over a base layer of felt or fabric. This type of roofing is very durable and can last for 20 years or more with proper maintenance. Single-Ply Membrane Roofing: Single-ply membrane roofing is a newer type of flat roof that has become increasingly popular in recent years. It consists of a single layer of synthetic material (usually PVC or TPO) that is applied directly to the deck. This type of roofing is very easy to install and repair, and it can last for 20 years or more with proper maintenance. Spray Foam Roofing: Spray foam roofing is another newer type of flat roof that has gained popularity in recent years. It consists of spraying a layer of polyurethane foam directly onto the deck. This type of roofing provides excellent insulation and can last for 20 years or more with proper maintenance. Metal Roofing: Metal roofing is another option for flat roofs. Metal roofs are made from steel, aluminum, or copper and can last for 50 years or more with proper maintenance.

How to choose a flat roofing contractor

When it comes to choosing a flat roofing contractor, there are a few things you'll want to keep in mind. First, you'll want to make sure that the contractor is licensed and insured. This will protect you in case of any damages that may occur during the roofing process. Secondly, you'll want to ask for references from previous clients. This will give you an idea of the quality of work that the contractor is capable of. Finally, you'll want to get a written estimate from the contractor before starting any work. This will help ensure that there are no hidden costs or surprises down the line. By following these simple tips, you can be sure that you'll find a qualified and reputable flat roofing contractor to take care of your roofing needs.

How to care for your flat roof

Assuming you have a flat roof on your home, here are some tips on how to take care of it: -check the roof regularly for any debris or leaves that may have accumulated -if there is any standing water on the roof, be sure to clean it up as soon as possible as this can lead to mold or mildew growth -keep an eye out for any cracks or holes in the roof and repair them as soon as possible -have a professional roofing contractor inspect and clean your roof at least once a year

Conclusion

Flat roofs are a great choice for homeowners looking to save money on their roofing costs. With the right flat roofing contractor services, you can get quality workmanship that will last for years and keep your property looking its best. If you're in need of an experienced roofer to install or repair your flat roof, make sure to do some research and find a reputable professional who can provide reliable services at an affordable price.

Toronto Flat Roofing Services | The Roof Technician

#flat roofing #flat roofing installers #flat roofing contractor services

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