Biological hazards are potentially dangerous biological substances that pose a threat to the health of living organisms. Biohazardous contamination can occur rapidly in any indoor environment, and the danger can intensify without professional biohazard remediation. Understanding what is considered a biohazard and reacting with extreme caution is paramount to achieving and/or maintaining a healthy indoor environment.
Emergencies, are unexpected, and often dangerous situations requiring immediate action. Restoration, is the act or process of returning something to its original condition. Combining the words forms the term Emergency Restoration, which dictates literal translation and strict adherence to achieve the most effective result.
Homeowners insurance provides compensation for events protected under the policy that require emergency restoration services. Covered events can indemnify the policy holder against damage to the home, yard and other structures, personal belonging as well as personal liability if found legally responsible for damage or injury to another. Although homeowner’s insurance is not mandated by law, lenders universally require a policy remain in place for the length of the mortgage to protect the investment. Encumbered properties are subject to force-placed insurance if their policy has lapsed, is cancelled, or has been deemed insufficient. Creditor-placed ‘force’ policies provide rudimentary coverages that protect the mortgagors interests alone and are charged to the mortgagee.