Okay. Water damage Denver friends, thank you so much for tuning in to what we believe to be the most energetic, engaging, inspiring restoration podcast available on the marketplace today. So today we are going to spend a few quality moments talking about, um, basically a current event that’s going on right now to our neighbors in the Southeast and it’s fast to coming becoming hurricane season down in the Gulf and on that lower Eastern coast. So thankfully here in Colorado and the Denver Metro area, our occasional water damage Denver issues don’t come by way of hurricane, but, uh, it’s very interesting, um, kind of what some of these people have to deal with. And so one of the articles that’s recently been written I found incredibly interesting, so I’m going to kind of, um, narrate it just a bit. This is not, um, my article. This is written on a site called, um, accent, American cleaning and disaster restoration.
So, um, I don’t know that they wrote the article, but they’re the ones that posted it. And the title of the article is what to do after weather damage. So water damage Denver, this, um, would be what we’d be dealing with if we had a natural disaster, uh, which we do from time to time. We get torrential rain, which leads to flooding. Uh, so there are some similarities but also some differences. Um, and we, if we have time, maybe we’ll discuss those in just a minute. But anyways, the name of the article is what to do after weather damage, landlord and tenants responsibilities. And that’s kind of a, a side note maybe again, one that we’ll dive into in one of our upcoming upcoming podcasts is who is responsible for what when it comes to, um, external forces. Certainly both parties need to have insurance. And so we’ll dive into whose insurance covers what, why.
Um, what the different situations might be where PO, you know, the respect of persons policy might need to be, um, enacted for, for water damage. Denver for weather damage, for really anything. So here we go. Um, landlords and property managers and hurricane zones have the added responsibility of keeping their tenants and property safe. Although holding your tenants hands through every scary event isn’t always necessary. Making sure they are prepared for weather damage is key. When hurricane strike, they cause massive amounts of damage. Plus no one really knows for sure when they’ll strike the extremes. Extreme winds are calamitous, but the flooding that ensues is usually worse. This year’s hurricane season has just begun. According to the national oceanic and atmospheric administration, this hurricane season is set to be strong and slightly above the average. The agency further said there’s a 70% probability that 10 to 16 named storms will form this year.
Five to nine of those storms will form into hurricanes with winds of at least 74 miles an hour. So with that in mind, it is time to remind your tenants about hurricane preparedness. Um, and the measures that go along with preparing remind your renters the power, utilities and water may be impacted or shut off. And then they might go away for a few days. With that out, access to food and other resources they might go for a few days. Also remind them to follow the standard emergency preparedness guidelines. Next, share with them what a basic disaster supplies kit should contain. Basic kit should contain blah, blah, blah. Probably about 10 to 15 things. In addition, the federal emergency management agency recommends everyone’s store important documentation in a waterproof container, documents, bank records, identification, insurance policies. You should also give your tenants reminder about how they should prepare and protect the property from damage.
Water Damage Denver | If Hurricane Season Is Upon Us?
So this is what they’re responsible to do when they’re renting and um, you know, are, you know, have a bit of culpability with respect to the property that, um, that they rent. They need to take pictures of the property before the storm arrives. Your insurance, your insurance company may need them, need them, bring up pits and doors, parked vehicles, undercover clean-out gutters and storm drains to ensure proper damage during the storm. That is huge. That goes for everywhere. You can avoid so much water damage number. Like we’ve talked about many times. If your cutter gutters are clear, if your downspouts are working correctly, if all of the water that’s coming in and around your house is diverted away as properly as possible. Moving things like grills, potted plants, tools, toys, furniture and doors. Basically anything that could become a projectile should be kept. People think that’s silly, that there’s no way a big old sectional outdoor sectional on the patio, whatever move those things get thrown around like feathers in, in high winds.
So, um, you know, and people don’t really think about, yeah, it might not go up in the air and be spinning around. Um, you know, like what you’d think of in a typical hurricane. But even if it just say slams, you’ve got a piece of furniture on your patio that slams into a patio door could break the door, then rain comes inside. Guess what, that may not be covered. I’ve got many examples of where a window was broken, then rain comes inside and that loss is not covered because the water damage Denver did not occur from like a natural leak or something and they rejected. It’s crazy, but it happens. So, um, you know, another thing is just uh, it’d be pretty rare but there could be a gas line somewhere exposed where there’s um, again, some piece of furniture or something outside that could become airborne or, or be blown real quickly by the wind.
If that hits a gas line and causes a leak, then we’re talking about potential for all sorts of other crazy stuff, nasty stuff, not just water damage Denver that could turn into explosions, you know, fires, all sorts of things. So, um, what to do after weather damage landlords and tenants responsibilities after the storm, you’ll need to assess the damage by inspecting all your properties. It goes without saying that damage resulting from hurricanes can be devastating both to life and property, but between you and your tenant who is actually liable for the damage as the owner, you take all risks and liabilities involved with fixed fixed property. Thus you are responsible for major damage. Basically they term that they make the term vis major vis major means an act of God or unavoidable, unavoidable accident or calamity. Nearly all insurance policies have a vase major clause to them.
Examples include earthquakes, floods, tornadoes, lightning, violent storms and hurricanes. Here are some examples to illustrate this better. In a hailstorm, the entire West side of a house has the windows broken in a hailstorm. Since this is a case of these major, you are responsible for the damages. When the wind panes window panes were smashed when the window slammed shut as a result of a sudden Gale force wind. This is a case of [inaudible] major, so you are responsible here as well. Structural damage unless resulting from tenants, negligence or carelessness is your responsibility. The tenant has no say in who is hired or what has done. Examples of structural damage include foundational damage, stuck windows and doors, sagging, wavy roof, uneven floors. Also as the owner, you are responsible for damage to permanent fittings such as curtain rails, toilets, bass recovers. If the renter through gross negligence causes a fire, which results in the burning down of the house.
The liability lies squarely on them. Essentially the 10 is liable for property damage resulting from gross negligence or carelessness. Situations could qualify as gross neck negligence include water damage. Ooh, the tenant, while in the garage placed a top loader machine on a trolley. For whatever reason, the machine toppled over and flooded the whole home. Obviously the tenant is liable for the damages. This is because it was reasonably foreseeable that machine could topple over in mid spin. Okay, so there’s a, there’s some water damage Denver example for you, fire the tenants manufactured methamphetamines in the kitchen and burned down the entire kitchen. As a result, that is not good because then you have much more than fire damage. You also have probably a, a home that will be condemned and um, major, major renovations and in testing will need to be done if meth really is being cooked in the kitchen, obviously the tenants are liable for the damages.
In addition, they acted illegally by manufacturing an illegal drug on your property, so that, that’ll be fun trying to get insurance to pay for that. But, uh, that would be case by case situation. Weather damage can cause a variety of problems, so it pays to put some preventative, preventable measures in place. Besides, it’s also important to understand who is responsible for what damage wants. The storm is passed. Hopefully this article has been informational in this regard. This article is by Karen Joyal of advantage properties. So again, probably not something that, um, we need to worry about with respect, uh, to her hurricane style, Gale force winds or um, the craziness that, you know, those people experienced down on the panhandle and in the Gulf. But we do get, uh, major weather issues from time to time, which results in water damage Denver. So if you are a tenant and if you are a landlord put together to put together together a list of what precautions should be made, it’s always a good idea if there is a discussion between the tenant and the landlord.
Um, both, both, uh, entities need insurance and they need, so because they could both be responsible for damage occurring. And like this article says, if it’s an act of nature, act of God, something that’s unpreventable, um, then that would probably fall under the property owners. A responsibility to have everything fixed and uh, remedied from major wind damage, water damage, Denver floods. Something again, that was as a result of external forces? Uh, yeah. If the tenant does something accidentally or even more nefarious that causes damage like this article suggested. If they were um, you know, if they installed an appliance and properly or if something that they did caused an accident that caused water damage Denver to the house or, or something else, then their policy would need to kick in and cover that. Sometimes there might be a bit of both. Um, PR again, like this article stated, you know, maybe you are having um, extreme weather, but perhaps the tenant failed to properly close and lock a window a door and knowing that these storms were coming, um, it would be reasonable to expect them to, to kind of make precautions and, and have everything buttoned up as tight as possible.
If they did not do that. A big burst of wind comes along, jars the door, the window loos, and then all sorts of rain comes in. Well then that could be kind of a precarious situation. Whose fault is it that water damage Denver occurred inside the home? It could have been prevented. It should’ve been prevented and you know, then it could, it could get kind of dicey. The tenant might say, well, I had it locked, you know, your locks are just faulty. Or, uh, you know, your door seals aren’t working like they should so it could get a little bit, a little more gray area than what other, you know, it’s hard to prove, I guess is what I’m saying. Um, but as a, as an individual, um, engaged in a tenant landlord relationship, again, it’s not something that you probably want to spend time or effort working on.
But having a plan, having an understanding, maybe even having documents signed of who’s, who’s responsible for what if such and such occurs, what if water damage Denver occurs from this? Okay, then I’ll take care of it. What if it happens from that? Okay. That’s your responsibility. And really there again, um, it, it should make both parties, you know, feel very comfortable to have that in place. God forbid ever anything ever happened that would need to be, uh, taken care of. But in the situation that you do have water damage, Denver, it’s, it’s good to know what those uh, agreements have been. And it’s not necessarily always just an agreement. It’s just a, maybe getting down to brass tacks as far as what lawfully has to happen and who, who needs to get the ball in motion if something does occur. Um, just like always, you know, having other systems in place, having other checklists in place of what precautions to get going.
If, you know, if you do live in a part of a country that is notorious for hurricane season, you know, our, our part of the country, we don’t have hurricanes obviously, but we do have seasonal, uh, patterns throughout the year that, you know, bump up the percentage of water damage Denver. So again, uh, having systems in place, gutters checked, downspouts, checked, all those different negative drainage things we talked about all the time. Having those systems in place to make sure that, again, you avoid anything that you possibly can. Always a good thing. So tenant, landlord relationships cover your bases for you, you know, for everybody involved. And, uh, avoid water damage. Denver at all costs, but if you do have a plan in place till next time, you say dry and stay safe, talk to you soon.