Water Damage
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Water Damage
Water damage describes various possible losses caused by water intruding where it will enable attack of a material or system by destructive processes such as rotting of wood, mold growth, bacteria growth, rusting of steel, swelling of composite woods, damage to laminated materials like plywood, short-circuiting of electrical devices, etc. The damage may be very slow and minor such as water spots that could eventually mar a surface, or it may be instantaneous and catastrophic such as burst pipes and flooding. However fast it occurs, water damage is a major contributor to loss of property. An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy. Often the verbiage of this addendum is simila ...
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Nutrients
A nutrient is a substance used by an organism to survive, grow and reproduce. The requirement for dietary nutrient intake applies to animals, plants, fungi and protists. Nutrients can be incorporated into cells for metabolic purposes or excreted by cells to create non-cellular structures such as hair, scales, feathers, or exoskeletons. Some nutrients can be metabolically converted into smaller molecules in the process of releasing energy such as for carbohydrates, lipids, proteins and fermentation products (ethanol or vinegar) leading to end-products of water and carbon dioxide. All organisms require water. Essential nutrients for animals are the energy sources, some of the amino acids that are combined to create proteins, a subset of fatty acids, vitamins and certain minerals. Plants require more diverse minerals absorbed through roots, plus carbon dioxide and oxygen absorbed through leaves. Fungi live on dead or living organic matter and meet nutrient needs from their host ...
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Indoor Mold
Indoor mold (American English) or indoor mould (British English), also sometimes referred to as mildew, is a fungal growth that develops on wet materials in interior spaces. Mold is a natural, ubiquitous part of the environment and plays an important part in nature by breaking down dead organic matter such as fallen leaves and dead trees; indoors, mold growth should be avoided as it can affect the structural integrity of buildings and pose potential health risks to susceptible individuals. Mold reproduces by means of tiny spores, which range in size from 1 to 40 microns. The spores are like seeds, but invisible to the naked eye, that float through the air and deposit on surfaces. When the temperature, moisture, and available nutrient conditions are correct, the spores can form into new mold colonies where they are deposited. There are many types of mold, but all require moisture and a food source for growth. Common indoor molds include Aspergillus, Cladosporium, Penicillium, and St ...
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Homeowners
Home insurance, also commonly called homeowner's insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. Additionally, homeowner's insurance provides financial protection against disasters. A standard home insurance policy covers the home and the belongings inside it. Overview Homeowner's policy is a multiple-line insurance policy, meaning that it includes both property insurance and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. This means that it covers damage to one's prope ...
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Maintenance, Repair And Operations
The technical meaning of maintenance involves functional checks, servicing, repairing or replacing of necessary devices, equipment, machinery, building infrastructure and supporting utilities in industrial, business, and residential installations. Terms such as "predictive" or "planned" maintenance describe various cost-effective practices aimed at keeping equipment operational; these activities occur either before or after a potential failure. Definitions Maintenance functions can be defined as maintenance, repair and overhaul (MRO), and MRO is also used for maintenance, repair and operations. Over time, the terminology of maintenance and MRO has begun to become standardized. The United States Department of Defense uses the following definitions: Federal Standard 1037C and from MIL-STD-188 and from the Department of Defense Dictionary of Military and Associated Terms * Any activity—such as tests, measurements, replacements, adjustments, and repairs—intended to retain ...
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Property Management
Property management is the operation, control, maintenance, and oversight of real estate and physical property. This can include residential, commercial, and land real estate. Management indicates the need for real estate to be cared for and monitored, with accountability for and attention to its useful life and condition. This is much akin to the role of management in any business. Property management is the administration of personal property, equipment, tooling, and physical capital assets acquired and used to build, repair, and maintain end-item deliverables. Property management involves the processes, systems, and workforce required to manage the life cycle of all acquired property as defined above, including acquisition, control, accountability, responsibility, maintenance, utilization, and disposition. An owner of a single-family home, condominium, or multi-family building may engage the services of a professional property management company. The company will then adver ...
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Sewage
Sewage (or domestic sewage, domestic wastewater, municipal wastewater) is a type of wastewater that is produced by a community of people. It is typically transported through a sewerage, sewer system. Sewage consists of wastewater discharged from residences and from commercial, institutional and public facilities that exist in the locality. Text was copied from this source, which is available under a creativecommons:by/4.0/, Creative Commons Attribution 4.0 International License Sub-types of sewage are greywater (from sinks, bathtubs, showers, dishwashers, and clothes washers) and blackwater (waste), blackwater (the water used to flush toilets, combined with the human waste that it flushes away). Sewage also contains soaps and detergents. Food waste may be present from dishwashing, and food quantities may be increased where garbage disposal units are used. In regions where toilet paper is used rather than bidets, that paper is also added to the sewage. Sewage contains macro-pollu ...
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Fungi
A fungus (: fungi , , , or ; or funguses) is any member of the group of eukaryotic organisms that includes microorganisms such as yeasts and mold (fungus), molds, as well as the more familiar mushrooms. These organisms are classified as one of the kingdom (biology)#Six kingdoms (1998), traditional eukaryotic kingdoms, along with Animalia, Plantae, and either Protista or Protozoa and Chromista. A characteristic that places fungi in a different kingdom from plants, bacteria, and some protists is chitin in their cell walls. Fungi, like animals, are heterotrophs; they acquire their food by absorbing dissolved molecules, typically by secreting digestive enzymes into their environment. Fungi do not photosynthesize. Growth is their means of motility, mobility, except for spores (a few of which are flagellated), which may travel through the air or water. Fungi are the principal decomposers in ecological systems. These and other differences place fungi in a single group of related o ...
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Bacteria
Bacteria (; : bacterium) are ubiquitous, mostly free-living organisms often consisting of one Cell (biology), biological cell. They constitute a large domain (biology), domain of Prokaryote, prokaryotic microorganisms. Typically a few micrometres in length, bacteria were among the first life forms to appear on Earth, and are present in most of its habitats. Bacteria inhabit the air, soil, water, Hot spring, acidic hot springs, radioactive waste, and the deep biosphere of Earth's crust. Bacteria play a vital role in many stages of the nutrient cycle by recycling nutrients and the nitrogen fixation, fixation of nitrogen from the Earth's atmosphere, atmosphere. The nutrient cycle includes the decomposition of cadaver, dead bodies; bacteria are responsible for the putrefaction stage in this process. In the biological communities surrounding hydrothermal vents and cold seeps, extremophile bacteria provide the nutrients needed to sustain life by converting dissolved compounds, suc ...
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Hydrostatic
Hydrostatics is the branch of fluid mechanics that studies fluids at hydrostatic equilibrium and "the pressure in a fluid or exerted by a fluid on an immersed body". The word "hydrostatics" is sometimes used to refer specifically to water and other liquids, but more often it includes both gases and liquids, whether compressible or incompressible. It encompasses the study of the conditions under which fluids are at rest in stable equilibrium. It is opposed to ''fluid dynamics'', the study of fluids in motion. Hydrostatics is fundamental to ''hydraulics'', the engineering of equipment for storing, transporting and using fluids. It is also relevant to geophysics and astrophysics (for example, in understanding plate tectonics and the anomalies of the Earth's gravitational field), to meteorology, to medicine (in the context of blood pressure), and many other fields. Hydrostatics offers physical explanations for many phenomena of everyday life, such as why atmospheric pressure ...
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Sump Pump
A sump pump is a pump used to remove water that has accumulated in a water-collecting sump basin, commonly found in the basements of homes and other buildings, and in other locations where water must be removed, such as construction sites. The water may enter via the perimeter drains of a basement waterproofing system funneling into the basin, or because of rain or natural ground water seepage if the basement is below the water table level. More generally, a "sump" is any local depression where water may accumulate. For example, many industrial cooling towers have a built-in sump where a pool of water is used to supply water spray nozzles higher in the tower. Sump pumps are used in industrial plants, construction sites, mines, power plants, military installations, transportation facilities, or anywhere that water can accumulate. Description Sump pumps are used where basement flooding may otherwise happen, and to solve dampness where the water table is near or above the foun ...
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Feces
Feces (also known as faeces American and British English spelling differences#ae and oe, or fæces; : faex) are the solid or semi-solid remains of food that was not digested in the small intestine, and has been broken down by bacteria in the large intestine. Feces contain a relatively small amount of metabolic waste products such as bacterially-altered bilirubin and dead epithelial cells from the lining of the gut. Feces are discharged through the anus or cloaca during defecation. Feces can be used as fertilizer or soil conditioner in agriculture. They can also be burned as dry animal dung fuel, fuel or dried and used for wattle and daub, construction. Some medicinal uses have been found. In the case of human feces, fecal transplants or fecal bacteriotherapy are in use. Urine and feces together are called excretion, excreta. Characteristics The distinctive odor of feces is due to skatole, and thiols (sulfur-containing compounds), as well as amines and carboxylic acids. Sk ...
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