How to File a Homeowners’ Insurance Claim

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Filing a homeowners insurance claim can be a crucial step in recovering from unexpected damages, whether it’s due to a storm, fire, theft, or other incidents. Understanding the process can help you navigate it more smoothly. When dealing with a water damage loss, fire damage or smoke damage, your insurance company may authorize immediate action to mitigate damage, but you’ll want to confirm that before hiring a damage restoration specialist. Here’s a comprehensive guide on how to file a homeowners insurance claim.

Step 1: Review Your Policy

Before taking action, review your homeowners insurance policy. Familiarize yourself with what’s covered, your deductible amount, and any specific exclusions. This will help you determine whether to file a claim.

Step 2: Document the Damage

As soon as you can, start documenting the damage:

  • Take Photos: Capture images of the affected areas and items from different angles.
  • Make a List: Write down damaged or lost items, including their estimated value and any receipts if available.
  • Gather Supporting Documentation: If applicable, collect police reports (for theft) or any repair estimates.

Step 3: Contact Your Insurer

Reach out to your insurance company as soon as possible. Most insurers have a dedicated claims hotline or an online portal. Have your policy number and details about the incident ready.

Step 4: Complete the Claim Form

Your insurer will require you to fill out a claim form. This can usually be done online or through a paper form. Be thorough and accurate in your descriptions, providing all the requested information.

Step 5: Submit Your Claim

Once you’ve completed the claim form, submit it along with all supporting documentation. Keep copies for your records. Make sure to follow your insurer’s submission guidelines, as they may have specific requirements for documentation.

Step 6: Follow Up

After submitting your claim, it’s important to follow up with your insurer. Confirm that your claim has been received and ask for an estimated timeline for processing. Maintaining communication can help you stay updated on any additional information they might need.

Step 7: Meet with the Adjuster

In many cases, your insurance company will send an adjuster to assess the damage. Be prepared to discuss the incident and provide any further evidence of the damages. The adjuster will evaluate the claim and determine the amount covered based on your policy.

Step 8: Review the Settlement Offer

Once your claim is processed, your insurer will make a settlement offer. Take the time to review this offer carefully:

  • Does it cover the damages adequately?
  • Is it consistent with your policy coverage?

If you believe the offer is insufficient, you can negotiate or provide additional evidence to support a higher payout.

Step 9: Accept the Settlement

If you’re satisfied with the settlement offer, you can accept it. The insurer will then process the payment based on the agreed amount. Depending on your policy, this may be sent directly to you or to contractors for repairs.

Step 10: Keep Records

After your claim is settled, retain all documentation related to the claim, including correspondence with your insurer, records of repairs, and any payments received. Keeping these records can be beneficial for future claims or policy renewals.

In Closing

Filing a homeowners insurance claim doesn’t have to be a complicated process. By staying organized and informed, you can navigate the claims process more confidently. Remember, if you had a water damage loss, or a fire and smoke damage incident and your insurance company gives you the right to start mitigation, you’ll need to do your due diligence in finding the right restoration company to handle the job. And you do not under any circumstance, need to hire who the insurance company recommends, as most times that is a franchise who’s in their pocket and does sub-par work. You have the right to hire any certified restoration company of your choosing, so long as they understand  the claims process.

What is Cladosporium?

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Cladosporium is the genera most frequently encountered in both outdoor and indoor air. It is found in elevated levels in water-damaged environments. Some species may be resistant to certain types of treated lumber. Cladosporium appears gray to black or very dark green and can have a powdery appearance. The genus Cladosporium includes over 30 species. The most common ones include Cladosporium elatum, Cladosporium herbarum, Cladosporium sphaerospermum, and Cladosporium cladosporioides.

Cladosporium is a dematiaceous (pigmented) mold widely distributed in air and rotten organic material and frequently isolated as a contaminant on foods. Some species are predominant in tropical and subtropical regions . Also, some Cladosporium spp. were isolated from fish and were associated with findings of infection. Cladosporium is a common fungus that is a known and documented aero-allergen which is usually associated with plants, wood products, and leather goods; the spores are easily made airborne and as such are a common cause of respiratory problems; allergic reactions and can be an agent for hypersensitivity diseases; it is as a parasite in infections of the skin, soft tissues or nails and has been documented in cases of Blastomycosis, Candidiasis, Chromoblastomycosis, Histoplasmosis, Entomophthoramycocis, Phaeophphomycocis and Keratomycosis.

The findings suggest that fungal antigens from species found in homes are commonly associated with skin sensitization in an allergy clinic population with upper or lower respiratory allergy. No specific relationships were found, however, between the prevalence of fungal species in the home environment and the prevalence as skin-test allergens.

Most commonly identified outdoor fungus. The outdoor numbers are reduced in the winter. The numbers are often high in the summer. Often found indoors in numbers less than outdoor numbers. Indoor Cladosporium may be different than the species identified outdoors. It is commonly found on the surface of fiberglass duct liner in the interior of supply ducts. A wide variety of plants are food sources for this fungus. It is found on dead plants, woody plants, food, straw, soil, paint and textiles. Produces greater than 10 antigens. Antigens in commercial extracts are of variable quality and may degrade within weeks of preparation.

Mold and Allergies: What You Need to Know

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Mold is a common household issue that can significantly impact indoor air quality and, for many, trigger allergic reactions. Understanding the connection between mold and allergies is crucial for maintaining a healthy living environment.

What is Mold?

Mold is a type of fungus that thrives in damp, warm conditions. It reproduces by releasing spores into the air, which can easily spread throughout a home. While some molds are harmless, others can produce allergens and irritants that affect sensitive individuals.

How Does Mold Affect Allergies?

For those with mold allergies, exposure can lead to a range of symptoms, including:

  • Sneezing
  • Runny or stuffy nose
  • Itchy or watery eyes
  • Coughing
  • Skin rashes

In some cases, exposure can also exacerbate asthma symptoms, making it difficult to breathe.

Common Sources of Mold

Mold can grow in various places around the home, particularly in areas with high humidity or moisture. Common sources include:

  • Bathrooms
  • Basements
  • Kitchens
  • Areas with water leaks or flooding

Prevention and Control

To minimize mold growth and its effects on allergies, consider these preventive measures:

  1. Maintain Humidity Levels: Keep indoor humidity below 50% by using dehumidifiers and proper ventilation.
  2. Fix Leaks Promptly: Address any leaks in plumbing or roofing to prevent moisture accumulation.
  3. Clean Regularly: Regular cleaning of surfaces, especially in bathrooms and kitchens, can help prevent mold buildup.
  4. Use Mold-Resistant Products: Consider mold-resistant paints and building materials, particularly in high-moisture areas.

When to Seek Help

If you notice significant mold growth or experience persistent allergy symptoms, it may be time to consult a professional. A comprehensive mold test can lead to discovery of the issue and identify the type of mold which will then aid in finding the origin. Mold remediation experts can assess the situation and safely remove mold, ensuring your home is a healthy space. Having mold remediation completed improperly can lead to cross contamination and only exacerbate the issue, so doing your due diligence by finding a qualified mold removal contractor can save you time and money while also limiting your exposure to mold.

Why Sewer Pipes Break

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Sewer pipes play a crucial role in our plumbing systems, transporting wastewater away from our homes and businesses. However, these underground pipes are not immune to damage. Cracks in sewer pipes can lead to significant problems, including leaks, blockages, and costly water damage restoration. In this blog, we’ll explore the main reasons why sewer pipes crack and what homeowners can do to prevent these issues.

Age and Wear

One of the most common reasons sewer pipes crack is simply due to age. Most sewer pipes have a lifespan of 50 to 100 years, depending on the material. Over time, natural wear and tear can weaken the pipe walls, making them more susceptible to cracking. Older pipes made from materials like clay or cast iron are particularly vulnerable.

Soil Movement

Soil movement is another significant factor that can lead to cracked sewer pipes. Changes in soil composition, settling, or erosion can put pressure on pipes, especially if they are installed too shallowly. Additionally, tree roots can grow into pipes, exerting pressure and causing cracks or blockages.

Improper Installation

If sewer pipes are not installed correctly, they can be prone to damage. Poorly aligned pipes, inadequate support, or improper backfilling can lead to stress and cracking over time. It’s crucial to have professional installation to ensure pipes are laid at the right depth and angle.

Extreme Weather Conditions

Extreme weather, such as heavy rain, freezing temperatures, and prolonged drought, can impact the integrity of sewer pipes. Heavy rain can saturate the soil, leading to erosion and shifting, while freezing temperatures can cause the ground to expand and contract, putting pressure on the pipes.

Corrosion

Certain materials, especially metal pipes, can corrode over time. Factors such as soil acidity, moisture, and chemical exposure can accelerate corrosion, weakening the pipe structure and leading to cracks. Regular inspections can help identify corrosion early and prevent further damage.

Blockages

Blockages caused by grease buildup, flushable wipes, foreign objects, or tree roots can increase pressure within sewer pipes, leading to cracks. When wastewater cannot flow freely, it creates stress on the pipe walls, which can ultimately result in damage.

Groundwater Pressure

In areas with high groundwater levels, the pressure from surrounding soil and water can impact sewer pipes. Excessive groundwater pressure can lead to cracks and even cause pipes to collapse if they are not designed to withstand such forces.

Consequences of Cracked Sewer Pipes

Cracked sewer pipes can lead to a range of issues, including:

  • Leaks: Wastewater can leak into the surrounding soil, potentially contaminating groundwater and harming local ecosystems.
  • Odors: Cracks can allow sewer gases to escape, leading to unpleasant odors inside and outside your home.
  • Blockages: Cracks can attract debris and roots, leading to clogs that can back up the entire plumbing system.
  • Costly Repairs: Sewer backups lead to black water floods which can be costly, and wreak havoc on your home, destroying personal contents and your structure. Always consult a water damage restoration specialist when dealing with sewer backups.

Preventive Measures

To minimize the risk of cracked sewer pipes, homeowners should consider the following preventive measures:

  • Regular Inspections: Schedule periodic plumbing inspections to identify potential issues before they escalate.
  • Proper Landscaping: Avoid planting trees or large shrubs near sewer lines, as roots can infiltrate and damage pipes.
  • Maintain Drainage: Ensure proper drainage around your property to reduce soil movement and erosion.
  • Avoid Chemical Drain Cleaners: These can corrode pipes over time, leading to weakened structures.

Understanding why sewer pipes crack is essential for every homeowner. By being aware of the causes and taking preventive measures, you can help ensure the longevity of your plumbing system and avoid the costly consequences of sewer pipe damage. If you suspect a problem with your sewer pipes, don’t hesitate to contact a professional plumber for an inspection and repair. If you have a sewer backup that has caused flooding, this type of loss should be handled by a water damage restoration professional, as the water itself is highly contaminated.

Does a Finished Basement Add Value?

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When considering ways to boost your home’s value, basement finishing often comes up as a potential upgrade. Transforming an unfinished or partially finished basement into a fully functional living space can offer numerous benefits. But how exactly does finishing your basement impact your property’s value? Let’s explore the key factors and benefits of basement finishing, and understand its potential return on investment.

What is Basement Finishing?

Basement finishing involves converting an unfinished basement into a livable space. This process typically includes installing drywall, flooring, lighting, and other essential features to make the area usable. Popular basement finishing ideas include adding extra bedrooms, creating a home office, establishing an entertainment room, or even designing a rental unit.

How Basement Finishing Can Increase Home Value

  1. Increased Usable Square Footage: One of the most significant advantages of basement finishing is the increase in usable square footage. This additional space can enhance your home’s value by making it more attractive to potential buyers. More square footage often translates into a higher home appraisal and increased selling price.
  2. Enhanced Home Functionality: A finished basement adds valuable functionality to your home. Whether you choose to create an extra bedroom, a playroom, or a dedicated home office, these improvements can make your property more versatile. The enhanced functionality can appeal to a wider range of buyers, potentially increasing your home’s market value.
  3. Potential Rental Income: Converting a finished basement into a separate rental unit can provide a source of passive income. In areas with high rental demand, this feature can be particularly appealing. The potential for rental income can significantly boost the overall value of your home, although it’s essential to check local zoning laws and regulations before pursuing this option.
  4. Increased Market Appeal: A professionally finished basement can enhance your home’s appeal to potential buyers. Move-in-ready spaces are highly desirable, and a well-executed basement finish can be a key selling point. However, the impact on value can vary depending on current market trends and buyer preferences in your region.
  5. Return on Investment (ROI): The return on investment for basement finishing can be substantial, though it varies. On average, homeowners can expect to recover a significant portion of their investment. Factors such as the quality of the finish, the real estate market, and the specific characteristics of your home influence the ROI. High-quality finishes and professional craftsmanship generally result in better returns.

Key Factors to Consider

  1. Cost vs. Value: Basement finishing can be a considerable investment. Costs may range from a few thousand dollars for basic updates to tens of thousands for high-end renovations. Weighing the potential increase in home value against the renovation costs is crucial. Consulting with a real estate agent or appraiser can provide insights into how much value a finished basement may add in your local market.
  2. Quality of Work: The quality of the basement finishing plays a critical role in determining its impact on home value. High-quality materials and professional installation will likely yield better returns compared to a DIY approach or substandard work.
  3. Local Real Estate Market: The value added by a finished basement varies based on your local real estate market. In some areas, finished basements are highly desirable, while in others, they may have a more modest impact. Understanding local market trends can help you gauge the potential value added by basement finishing.
  4. Condition of Your Home: If your home is in good condition and the basement is underutilized, finishing it can offer a good return on investment. However, if your basement is prone to water damage and thusly mold, you’ll need to take preventive measure to avoid such problems after the basement is finished, If the basement is finished, then having water damage and mold issues will only ruin the basement and increase the cost for water damage restoration and/or mold remediation.

Conclusion

Finishing your basement can be a valuable investment, enhancing both functionality and market value. While a finished basement generally improves your home’s appeal and can increase resale value, the exact return on investment will depend on factors such as the quality of the work, your local real estate market, and your home’s overall condition. And offering an added space, albeit free from the usual basement issues that can arise like water damage and mold, can add your home’s value and quality of life as you enjoy the finished space.

What is Fusarium?

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Fusarium species are ubiquitous and may be found in the soil, air and on plants. Fusarium species can cause mycotoxicosis in humans following ingestion of food that has been colonized by the fungal organism. In humans, Fusarium species can also cause disease that is localized, focally invasive or disseminated. The pathogen generally affects immunocompromised individuals with infection of immunocompetent persons being rarely reported. Localized infection includes septic arthritis, endophthalmitis, osteomyelitis, cystitis and brain abscess. In these situations relatively good response may be expected following appropriate surgery and oral antifungal therapy. Disseminated infection occurs when two or more noncontiguous sites are involved. Over eighty cases have been reported, many of which had a hematologic malignancy including neutropenia. The species most commonly involved include Fusarium solani, Fusarium oxysporum, and Fusarium moniliforme (also termed F. verticillioides). The diagnosis of Fusarium infection may be made on histopathology, gram stain, mycology, blood culture, or serology. Portals of entry of disseminated infection include the respiratory tract, the gastrointestinal tract, and cutaneous sites.

The skin can be an important and an early clue to diagnosis since cutaneous lesions may be observed at an early stage of the disease and in about seventy-five cases of disseminated Fusarium infection. Typical skin lesions may be painful red or violaceous nodules, the center of which often becomes ulcerated and covered by a black eschar. The multiple necrotizing lesions are often observed on the trunk and the extremities. Onychomycosis most commonly due to F. oxysporum or F. solani has been reported. The onychomycosis may be of several types: distal and lateral subungual (DLSO), white superficial (WSO), and proximal subungual (PSO). In proximal subungual onychomycosis there may be associated leukonychia and/or periungual inflammation. Patients with Fusarium onychomycosis have been cured following therapy with itraconazole, terbinafine, ciclopirox olamine lacquer, or topical antifungal agent. In other instances nail avulsion plus antifungal therapy has been successful. In patients with hematologic malignancy or bone marrow transplant, who may experience prolonged or severe neutropenia during the course of therapy, the skin and nails should be carefully examined and consideration given to treating potential infection sites that may serve as portals for systemic dissemination. When disseminated Fusarium infection is present therapy with antifungal agents has generally been disappointing with the chances of a successful resolution being enhanced if the neutropenia can be corrected in a timely manner.

Why Blood Cleanup is Dangerous

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Many people find themselves in a horrid situation of discovering a loved one or even a tenant who may have committed suicide in a fashion where a room or multiple rooms are covered in blood. Exposure to blood may not seem to be a big deal, but on contrary, blood itself can be very hazardous to ones health and the risks involved in proper cleanup shouldn’t be overlooked. Human blood can expose individuals to MRSA, Hepatitis B and C, HIV and many other transmittable diseases. It is vital to understand not only the dangers involved in blood cleanup, but also why there are cleanup companies specifically trained to handle such situations. The proper cleanup and disposal of blood should and only be done by professionals certified, insured and also those who carry specific workers compensation packages in case an employee is exposed to blood. Hiring just anyone to handle a blood cleanup could result in a lawsuit costing you tens of thousands of dollars or more, so ensuring you do you due diligence will protect you and your home from potential lawsuits.

What are Bloodborne Pathogens?

Bloodborne pathogens are infectious microorganisms in human blood that can cause disease in humans. These pathogens include, but are not limited to, hepatitis B (HBV), hepatitis C (HCV) and human immunodeficiency virus (HIV). Needlesticks and other sharps-related injuries may expose workers to bloodborne pathogens. In blood cleanup, an open wound or a function in the skin and then exposure to blood could result in an infection, so properly trained workers are aware and prepared to limit their exposure by using the proper personal protective equipment, PPE.

Consult the Professionals.

When you are faced with the terrible situation of having blood cleanup, there are companies who can help. Certified Crime & Trauma Scene Cleanup companies are specifically trained to help you get through the most difficult time with as little stress as possible, also while showing compassion and discretion. If you do need a cleanup from any type of loss which results in the spread of bodily fluid and thusly creating a potential risk of disease, you will be better suited to call a professional rather than trying to do the cleaning yourself. And most insurance carriers do have coverage for these types of losses, which can be costly depending on the scope of work needed.

The Dangers of Hoarding Living Conditions

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Hoarding is a serious issue that affects millions of people worldwide, yet it often goes unnoticed until it becomes a major crisis. Living in hoarding conditions can pose significant health risks, impact mental well-being, and create hazardous environments. Understanding the dangers of hoarding is crucial for fostering healthier living spaces and communities, whilst creating a plan of action for detailed hoarding cleanup.

Health Risks of Hoarding

One of the primary dangers of hoarding living conditions is the impact on physical health. Cluttered spaces can harbor dust, mold, water damage and pests, leading to respiratory issues and allergies. Additionally, the sheer volume of items can block exits, increasing the risk of injuries during emergencies. The accumulation of flammable materials also raises the likelihood of fires, posing a significant threat to residents and first responders.

Mental Health Implications

Hoarding is often linked to various mental health disorders, including anxiety, depression, and obsessive-compulsive disorder (OCD). Individuals may feel overwhelmed by their possessions, leading to feelings of shame and isolation. This emotional burden can exacerbate existing mental health issues, creating a vicious cycle that’s difficult to break.

Social Isolation and Impact on Relationships

Living in hoarding conditions can strain relationships with family and friends. Those struggling with hoarding may become withdrawn, avoiding social interactions out of embarrassment. This isolation can lead to further mental health decline and even jeopardize housing stability, since the collection of items along with the potential of gross filth situations will only increase over time. 

Legal and Financial Consequences

In some cases, local authorities may intervene in severe hoarding situations, leading to legal issues or eviction. The financial burden of cleanup and repairs can be overwhelming, often costing thousands of dollars. Early intervention can prevent these consequences, emphasizing the importance of seeking help.

Taking Action: How to Address Hoarding

If you or someone you know is struggling with hoarding, it’s essential to seek help. Professional organizers, mental health professionals, and support groups can provide valuable resources and strategies for recovery. Encouraging open conversations and offering support can make a significant difference in someone’s journey toward a healthier living environment.

The dangers of hoarding living conditions are significant and multifaceted. From health risks to mental health implications and social isolation, the impact of hoarding can be devastating. By recognizing the signs and taking proactive steps, we can create safer and healthier homes for everyone. Hiring the right hoarding cleanup company can also be a daunting task, because not everything is junk. Proper hoarding cleanup companies will be thorough in sorting through the items, while also being compassionate and discreet. Hoarding cleanup companies should always provide you with updated insurance certs and workman’s compensation insurance.

Waterproof Flooring: What You Need to Know

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When it comes to choosing flooring for your home, especially in areas prone to moisture like kitchens, bathrooms, and basements, waterproof flooring stands out as an essential consideration. Waterproof flooring not only protects your home from water damage but also offers durability, ease of maintenance, and aesthetic appeal. If you’re considering an upgrade or a new installation, here’s everything you need to know about waterproof flooring.

Why Choose Waterproof Flooring?

  1. Protection Against Water Damage: Waterproof flooring is designed to withstand spills, splashes, and even minor floods without warping, buckling, or staining. This is particularly valuable in high-moisture areas like bathrooms, kitchens, and basements where traditional flooring options might struggle.
  2. Durability and Longevity: Many waterproof flooring options are incredibly durable and can handle heavy foot traffic, making them ideal for both residential and commercial spaces. They often come with warranties that guarantee their performance and longevity.
  3. Ease of Maintenance: Waterproof floors are generally easy to clean and maintain. They resist stains and are often less susceptible to damage from spills or accidents. Regular sweeping and occasional mopping are usually all that’s needed to keep them looking new.
  4. Variety of Styles: Advances in flooring technology have led to a wide range of styles and finishes in waterproof flooring. From luxurious vinyl planks to elegant laminate, you can find options that mimic the look of natural wood or stone, fitting seamlessly with your home’s décor.

Types of Waterproof Flooring

  1. Luxury Vinyl Plank (LVP) and Luxury Vinyl Tile (LVT): Luxury vinyl is one of the most popular choices for waterproof flooring due to its high durability and variety of styles. LVP and LVT come in various designs, including wood and stone looks, and are both resistant to water and scratches. They often feature a click-lock installation system, making them a favorite among DIY enthusiasts.
  2. Waterproof Laminate Flooring: Traditionally, laminate flooring wasn’t the best choice for wet areas due to its susceptibility to moisture. However, waterproof laminate has evolved with a specially designed core that resists water damage. It offers the appearance of natural wood or stone at a more affordable price point.
  3. Ceramic and Porcelain Tile: Ceramic and porcelain tiles are naturally water-resistant, making them an excellent choice for areas with high moisture. They are available in countless designs, sizes, and colors. While they can be cold and hard underfoot, adding area rugs can provide comfort.
  4. Engineered Hardwood with Waterproof Finish: Engineered hardwood floors are made from a layer of real wood over a plywood base. When treated with a waterproof finish, these floors offer a combination of natural wood aesthetics and water resistance. They are suitable for areas with occasional moisture but may not be ideal for consistently wet environments.
  5. Rubber Flooring: Rubber flooring is a versatile option that offers waterproof qualities, along with excellent slip resistance and durability. It’s commonly used in commercial settings but can also be a practical choice for home gyms and playrooms.

Benefits of Waterproof Flooring

  1. Prevents Mold and Mildew: Waterproof flooring helps prevent the growth of mold and mildew by keeping moisture from seeping into the subfloor. This is particularly beneficial in areas prone to humidity and dampness.
  2. Enhances Home Value: Installing high-quality waterproof flooring can enhance your home’s value by offering potential buyers a feature that adds both function and aesthetics. It’s a practical upgrade that can set your home apart from others on the market.
  3. Increases Comfort: Many waterproof flooring options offer added comfort compared to traditional materials. For instance, luxury vinyl planks can have a softer, warmer feel underfoot, making them more comfortable for standing or walking.
  4. Eco-Friendly Options: Some waterproof flooring materials, such as certain types of luxury vinyl and engineered wood, are available in eco-friendly versions. These options often use recycled materials or sustainable production practices, helping you make an environmentally conscious choice.

Cigarette Smoke Damage 

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Much of the discussion around traditional cigarettes centers on the dangers they pose to our health. The list of risks smoking poses to your health and the health of those around you is almost endless – there’s risk to your lungs and heart, and risks to your teeth in terms of staining, as well as your appearance. However, we don’t hear as much about the effects cigarette smoking can have on the inside of your home. Just like your body and health, long-term cigarette smoking inside your home can cause sometimes irreparable damage. Effects like clinging odor can be unpleasant for non-smoking guests, and damages caused by smoking can reduce the resale value of your home.

Fire Hazard

When left unattended, a burning cigarette can lead to a full-blown fire whose effects can range from smoke damage to a complete loss. These fires can sometimes be fatal for the smoker and other occupants in the house. The U.S. Fire Administration estimates that nearly 1000 smokers and non-smokers are killed each year by fires caused by cigarettes.

Ceilings, Walls, Furniture and Floors

Cigarette smoke contains a variety of chemicals, some of which cling and build up on surfaces that are exposed to it. In your home, cigarette smoke can build up and stain walls and cause wallpaper to curl. Walls too can see nicotine stains build up and discolor them. If the smoking goes on for long enough, the particles can literally embed themselves in sheetrock and be impossible to remove. If you’ve ever used the smoking huts at Atlanta’s airport, you can’t help but notice how discolored the ceiling tiles and walls are.

Electronics

Besides clinging to walls, curtains and other household items, cigarette smoke can also cling to electronic components (especially computers) and have disastrous effects over time. For example, with computers, the smoke will cling to anything that’s emitting heat (i.e. fans, capacitors, processors, etc.). This heat attracts a good bit of “dust” already, but the dust just magnifies when you add cigarette smoke to the mix. Also, cigarette smoke carries moisture with it and can lead to both a corrosion of parts and a dangerous build-up of dust.  Dust and chemicals can even work their way through your walls and coat the inside of your electrical outlets.

Air Conditioning System

Your home’s A/C and heating system is critical to keeping your home comfortable, especially if you live in the Deep South or in a really cold region. The system(s) work by pulling in outside air through a filter. Every so often, these filters require changing.

Smoking in your home adds to all the dust, pet hair and other particulate matter in the air. These particulates have to be caught by the filter. As you can imagine, cigarette smoke will dramatically shorten the time between filter changes. Not changing the filter(s) more frequently while smoking in your home can cause your A/C system to overwork and possibly break down.

Cigarette smoking can have immediate effects that are noticed right away, especially by guests or anyone else living in the home. But over time, the smoke can literally embed itself in everything and even destroy things beyond repair.