insurance

Does your insurance company cover negligence?

What Is The Insurance Definition Of Negligence?

“Negligence is a failure to act in a way that a reasonable person would when faced with the same situation/circumstance. In insurance, the policy holder might be negligent, or it might be another party.” ~ The balance

If you enquire whether an insurance company covers fire/flood and escaping water in homes, it’s safe to say that they will. If we start asking them if they cover negligence, it’s difficult to get a direct ‘Yes’ or ‘No’ answer. According to insurance companies (including Youi and Allianz), negligence is seen as a case-by-case assessment, so the homeowner should always do whatever seems reasonable to protect the property and that of others.

 

An example of Insurers not willing to pay for negligence

insuranceHere is a scenario where insurance companies refuse to pay for negligence…

If there is a nasty smell coming from your bedroom wall due to water damage which has caused mould and bacteria from a leaky air conditioning unit, the insurance company will deny the claim because insurance isn’t intended to repair maintenance issues.

The gradual damage caused by the water, including the mould, is not covered. You will then end up spending a lot of money to repair the problem as the insurance company took the position that it was negligence as a homeowner that resulted in the damage – you didn’t maintain the property. Furthermore, the insurer may warn the homeowner that they have to repair the damage or they will cancel the policy!

 

How to avoid ‘negligence’

Luckily, negligence can be easily avoided. With the scary reality that as homeowners you have the full responsibility of doing general maintenance to your home regularly, this includes asking tenants to inform you if anything within the property needs fixing/extinguishing/cleaning etc which leaves insurance companies with no reason to refuse a claim.

If you own an air con unit/s regular maintenance includes servicing your air conditioning unit every 12 months or sooner. Speak to a professional cleaning company, such as Sanitair Australia to have a look at your aircon. An aircon service could help avoid future problems, such as:

  • insuranceLeaking unit
  • Noisy unit
  • A smelly unit due to bacteria, mould, insects etc
  • Higher electricity bill as the air conditioner has to work harder to cool the air
  • Unit replacement earlier than expected

 

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Heat Pump Cleaning

Heat Pumps also known as reverse cycle air conditioners, are a very efficient form of domestic heating. For climates with moderate heating and cooling needs, heat pumps offer an energy-efficient alternative to electric heaters or air conditioners.

 

Facts about Heat Pumps

  • Heat Pumps do not generate their own heat. The outside air contains heat that can be harvested, even when we feel it is cold. Like your refrigerator, heat pumps use electricity to move heat from a cool space to a warm space. This makes the cool space cooler and the warm space warmer. During the heating season, heat pumps move heat from the cool outdoors into your warm house and during the cooling season, they move heat from your cool house into the warm outdoors.
  • Due to the fact that heat pumps move heat rather than generate heat, they can provide equivalent space conditioning at as little as one-quarter of the cost of operating conventional heating or cooling appliances.
  • Heat Pumps can either be standalone or can be ducted to many rooms.

 

Why is Heat Pump Cleaning vital?

  • Heat pump cleaning saves you money on your electricity bills. Heating and cooling systems take up a large portion of your monthly electrical consumption in Australia and in addition to the price of electricity skyrocketing, we need to find ways to lower consumption.
  • It ensures your heat pump is working at 100% of its efficiency
  • Avoid bigger problems in the future. Small heat pump problems may become bigger and more pricey problems in the near future, if not reported timeously.
  • Improved health benefits. According to Dr John Darcy, “Biologically contaminated heat pumps can be serious health risks but with a Sanitair premium award-winning service, this will minimise the exposure and risk to room occupants.”
  • Save time, save energy, save your heat pump. By engaging a professional such as Sanitair, a highly professional and specialised cleaning and sanitising company, it saves you time and energy trying to clean your heat pump in your spare time, which unfortunately won’t be nearly as effective as having a professional heat pump clean.

Sanitair™ Tasmania has the entire Tasmania area covered for Air Conditioning Cleaning & Sanitising.  FREECALL 1800 130 168 and enter your postcode to be directed to your local Sanitair™ HVAC Hygienist

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fire

Can dirty air conditioning units cause fires?

Dirty and Contaminated air conditioners can cause air conditioning units to catch alight. Fire is highly dangerous as it puts lives at risk and creates serious damage.

According to 7 news, recently “a man had burns to his feet after rescuing his children from the second storey of a flaming Melbourne house. The father-of-three ran upstairs to fetch two of his children from the fire that started when a rooftop air-conditioner caught alight. The blaze started at about 3.30am on Thursday, 16 March and was contained to the upper level of the home. The damage caused by the faulty aircon unit is estimated at $100,000.”

 

Monitor the use and condition of units

In colder cities after winter has passed, water pumps can corrode and seize up when you use them causing a rapid fire. In restaurants, bakeries, large office blocks, malls and other ducted air conditioning spaces, if a fire breaks out, the fan is pushing that fire down through the ducts into every room, causing it to spread very quickly.

Another way that aircon’s can cause blazing fires is from leaking air handlers. These cause nearby electrical equipment to short circuit. If electrical equipment is located underneath aircon’s, condensation can drip on it. This causes it to short circuit and creates sparks that can easily ignite nearby materials. Unmaintained drain lines can also be a hazard when they become clogged and drainage pans overflow damaging property.

 

How to reduce fire hazard

  • Clean/change your filters: reduce the risk of dust builds up, smelling units, fire etc. Clean/change air con filters regularly.
  • Examine electric-powered equipment: Regularly inspect air conditioning cords for cracks, loose connections, or broken plugs, and replace any damaged equipment.
  • Reduce dust: Cleaning air ducts is the easiest, most effective way to remove dust build up. It also prevents potential hazards from forming. Be aware, that improperly cleaned air ducts may actually cause more loose dust to circulate, creating more of a hazard.
  • Maintain your AC units: All mechanical and electrical equipment needs regular proper maintenance. Have your AC system maintained by a professional at least once a year or sooner. This depends on the level of contamination from dust, mould, bacteria, insects and rodents.
  • Monitor exterior unit: Make sure that leaves, dirt, debris and insects haven’t clogged your exterior unit.

 

Reduce the risk of fire caused by hazardous air con units. Free Call us on 1800 130 168 and chat to your local Sanitair technician who will ensure your air con is left smelling good and functioning well.

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World Health Day- 7 April 2017

How so many of us miss the basics of simple hygiene! ~ Dr John D’Arcy

“There is nothing as constant as change”. I think we all agree.  Close your eyes for just a minute and change happens. It might be as simple as realising that the size of the containers which contain your peanut butter are now smaller so you get less for your money, or becoming aware that a world famous cell phone company no longer exists; their business swallowed up by another.

Our climate is changing. Summers are hotter and at other times the rain pours down. On the Eastern Coast Australia we have had the hottest February and the wettest March for generations. Amidst the constant change and perhaps because of it, we tend to forget those things which stay the same.

 

Let’s look at Simple hygiene

If we wash our hands before we eat and if our doctors washed their hands between patients’ the simple act of that wash would reduce the spread of food-borne illness and the alarming amount of cross infection in our hospitals.

It’s simple; basic hygiene has saved millions of lives. So has clean water but somehow we take it all for granted. Relying on the magic medical bullets that the medical profession possess.

The air we breathe in the cities is not as pure as we would like it to be, tarnished with the out flow of exhaust smoke from the millions of cars and trucks on the road, and from the factories desperately trying to bring us the goods we demand and use on a daily basis.

 

Let’s look at the way we live and the houses and office buildings that we build?

Even in this wide brown land, our cities are crowded and expanding at a great rate. Sydney has reached five million people in half the time it took to reach four million. Such are the demands on us to be productive, we tend to lock ourselves in.

We turn on the gas in winter to beat the cold and use air conditioning in the summer to beat the heat. Big building have windows which don’t open and rely on air conditioning to create the ideal temperature to work.

But, how carefully are these huge air conditioning units appropriately managed to prevent people from being exposed to disease causing moulds and bacteria?

Asthma, an allergic and inflammatory condition of the lung affects one in nine in Australia; that’s about 2.5 million people and allergy affects almost 20%. 78% of people with allergies are in the working age population; that’s 7.2 million people.

Although those magic medical bullets have reduced the death rate and helped people cope with asthma and there are ways to reduce the feeling of un-wellness of allergy, prevention is always better than cure. Just as asthmatics rely on their reliever medications to help them when the symptoms over power them, it’s their preventer medication which stops the cause: the inflammation in the lung.

 

Presenteeism costs the country

Properly servicing air conditioning units, not just in the work place but in leisure centres and in the home and visiting a general practitioner when you are sick, goes a long way to underline the huge benefits of prevention in a country where allergic disease is one of the main reasons to beat Presenteeism, people coming to work but are unwell. Presenteeism costs the country $34 Billion in lost productivity .

On this World Health Day, where the message of prevention is being advanced, spend a little time to work out what you can do to assist yourself and your family to make necessary changes and develop a happier and healthier life.

 

Dr John D’Arcy O’Donnell AM
MB BS Dip RCOG

 

 

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Image of Central Coast school

Are schools interested in improving classroom air quality?

Indoor air quality is a growing concern in our schools. Staff members, students and visitors are being exposed to unnecessary germs, which include; mould, bacteria, dirt, mites, mice, biofilms, faeces, and geckos which can cause a variety of sicknesses, including respiratory problems.

According to Asthma Australia, 1 in 9 Australians have asthma – around 2.5 million people. It’s more common in males aged 0–14, but among those aged 15 and over, a higher number of females suffer from Asthma.

 

Poor Indoor air quality at schools can cause the following problems:

  • Increasing risk of health in students being affected
  • Affect allergic rhinitis which can make life a misery and cause sniffles and stuffy noses, especially in springtime.
  • Impacting the learning environment, children suffering from allergies may feel uncomfortable and distract the class by sneezing and coughing.
  • Reduced productivity due to absenteeism
  • Unsatisfied parents due to kids coming home from school sick causing problems with school administration

 

Benefits of good air quality:

  • Productive students, teachers and staff
  • Reduction of up to 28% in energy usage
  • Lower absenteeism due to reduction of respiratory illness, such as Hay fever and Asthma
  • Quieter systems
  • Reduction of problems caused by poor air quality including sneezing, runny noses, itchy eyes
  • Students and parents are more satisfied with schools
  • The longer life span of air con systems

 

Air quality in central coast schoolBoth public and private schools have the responsibility of monitoring the air quality of classrooms with air conditioning. Some of the signs school maintenance can look for on dirty air cons include; signs of mould in the system (smelling or seeing mould), checking for dust coming off the air con vents or in the room and teachers can monitor the health of kids regularly.

 

Recently, Sanitair Australia has noticed a higher interest from schools, such as The Central Coast Adventist school in improving the air quality in the classroom. Our technicians are being contacted more frequently from local schools. With the school air cons in hazardous states, some of our kids are now breathing in a cleaner, healthier air. We hope to see the interest rise, not only from schools but also from parents. Parents should be addressing the concern of dirty air cons in the classrooms with education providers.

 

Schools are not the only institutes that should consider the services of specialised air conditioning cleaning companies. Restaurants, day care centres, hospitals, businesses and age care homes should be cleaning their air cons every 12 months or sooner. Sanitair Australia has been professionally Cleaning and Sanitising all brands and types of air conditioning systems since 2005. Sanitair also has a remarkable 12 Month Mould FREE Guarantee on every premium service.

 

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