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One of the greatest sources of pride in a person’s life is home ownership. To help protect this lifestyle, individuals purchase homeowners insurance so they have assistance in the event of a disaster. Homeowner’s policies cover damage due to events such as fires, theft, strong winds, lightening strikes and so on, but there are common events that are not covered.

Whether it comes from nature or is manmade, water damage can lead to unimaginable destruction to a building. Water damage can come in the high-visible form of a flood, or lurk behind the walls of a building. When left untreated, standing water is the perfect breeding ground for mold growth.

To assist Minnesota and Wisconsin residents and small business owners who were devastated by the late September 2010 floods, the U.S. Small Business Administration (SBA) is providing more than $1 million in Disaster Assistance Loans. So far, 22 disaster loans totaling more than $1,160,000 have been approved.

Are your pipes are ready for winter weather? No matter the type of building, a burst pipe can prove to be costly and devastating. Take, for example, Washington Elementary, which experienced a burst pipe that damaged property such as library books and carpets. Luckily, school staff was in the building shortly after the pipe burst, so the damage was not as bad as it could have been.

Does your lawn still have a grayish-white fuzz on it even after the winter snow melts? If so, you have snow mold on your hands. Snow mold happens when deep snowfall occurs early in the cold weather season and prevents the ground from freezing. The cool, moist area between the ground and snow becomes the perfect breeding ground for snow mold to become active. As long as the ground stays moist, the mold will stick around. This type of mold is sometimes also seen in piles of un-raked leaves.