How Pretesting Will Save You Money
Commercial water damage in Davie, FL.
Three Components of Getting You Back In Business
When your business suffers water damage from storms or flooding, you will need cleanup and restoration services right away. Fortunately, SERVPRO, the preferred restoration vendor of most insurance companies, is available to help 24 hours a day, 365 days per year. Buying all new furniture and equipment is expensive, so SERVPRO will work with your insurance agent and pretest the damage to minimize your claims. Here are the three components of getting you back in business.
The first step in making you whole again is pretesting, the process in which SERVPRO sorts through your damaged items to determine what they can save and what you must replace. Often, you will be surprised at what kind of damaged goods SERVPRO can restore, saving you significant money.
SERVPRO will minimize the effects of water damage and restore impacted items. For example, the restoration professionals will move furniture out of standing water to avoid rust or water stains. They can also place large fans around your property to help dry the floors, walls and upholstered pieces. This air circulation will help prevent the growth and spread of mold. When it comes to your insurance claim, time is of the essence. The sooner you contact SERVPRO, the less you will have to spend on new office furnishings.
If SERVPRO can not restore your property, you must decide how vital certain items are to you and whether to replace them. Fortunately, SERVPRO can help with your claims by photographing and inventorying your destroyed goods. To ensure that you won’t lose any more assets to the effects of water damage, SERVPRO workers will board up and place tarps on exposed parts of your building.
Pretesting keeps your claims down by determining what can be restored instead of replaced. You can count on SERVPRO to make the restoration process smooth in Davie, FL.
How SERVPRO Helps Process Claims Quickly
Restoration team assessing the damage in a property in Davie, FL.
How SERVPRO Helps Process Claims Quickly
If your client in Davie, FL, has suffered home or business damage due to a flood or other emergency, you need a professional company that provides helpful claim services and can stop the damage as quickly as possible. A rapid response prevents further harm from mold growth.
A trusted restoration services team can arrive quickly on the scene to assess the damage. They can provide a detailed report along with pictures and a plan of action to you and your insurance company. This enables you to file an accurate claim so that your client can get the needed help while you keep insurance costs down.
Specialists Provide Vital Claim Services
The emergency response crew with SERVPRO can provide you and your clients with crucial services in a number of ways:
They arrive on the scene quickly to stop increased damage by either stopping a water leak or preventing further mold growth.
They help with claim services by providing you with vital information about the extent of the damage and needed repairs.
They do restoration and repairs so that your client's home or business is back to "Like it never even happened".
They Save You Time and Your insurance Company Money
Disaster cleanup specialists work quickly and efficiently to not only assess the damage but also clean up and restore the property. They'll talk with the property owner and ask vital questions to get the right information they share with you, saving you time.
Cleanup specialists restore the client's home and prevent further damage by mold and bacterial growth, thus saving your insurance company money. They work in tandem with you, providing both you and your client peace of mind.
If your client has suffered damage from a flood or fire, contacting and working with the professionals makes life easier for everyone involved.
Understanding Mold Damage and Exposure Claims
When a mold infestation happens, it means much more than cleaning it up.
Mold Damage and Exposure Claims: What You Need to Know
Dealing with mold in your Weston, FL, property is often a complex process that requires the assistance of a mold remediation and restoration specialist. Depending on the extent of the damage, that may put a dent in your budget. More importantly, it may affect the people within the structure. Along with finding the right help, understanding mold insurance claims may add to the frustration. General policies usually provide some coverage, but there are limits and not all claims may be accepted.
Fungus Coverage For Remediation
While every policy is different, most will not validate claims if the mold was caused by a lingering issue, such as a slow leak left unrepaired or ongoing humidity issues that have not been resolved. Mold insurance claims are often valid if there is a sudden pipe burst or extensive water unleashed due to extinguishing a fire. In those events, the coverage typically includes the following:
Direct damage or physical loss of covered property, such as drywall removal and replacement, as well as costs associated with mold removal.
Expenses incurred from accessing the fungus growth, such as having to tear out and replace insulation or drywall.
Testing costs after cleanup is completed to ensure the issue has been properly eliminated.
Liability Coverage For Exposure
Any time mold is found means there is the potential that a tenant, employee or customer may file a mold claim. Along with general commercial coverage, liability coverage may be essential to avoid a lawsuit. Even if the infestation is nontoxic, associated issues have led to some high-dollar cases. Added insurance provides peace of mind. As with any insurance, it is imperative to talk with your insurer and clearly understand any policies.
When a mold infestation happens, it means much more than cleaning it up. Ensuring you have the right coverage for your property is essential in both making mold insurance claims and being protected against an exposure claim.
Dos and Don'ts of Containing a Grease Fire
A grease fire in your home in Southwest Ranches, FL, can be terrifying.
Dos and Don'ts of Containing a Grease Fire
A grease fire in your home in Southwest Ranches, FL, can be terrifying but it is important to remain calm to get it under control. These types of fires are very common but some typical fire safety tips do not apply in this case. Here are some of the dos and don'ts of getting it under control.
Don't Use Water
You should never use water to attempt to douse a kitchen fire. Water and oil do not mix and this will result in:
- Water sinking below the oil
- The heat from the fire flash-boiling the water
- Boiling water forcefully explodes the oil outwards
This could result in spreading the fire much further as well as severe injury to yourself.
Do Turn Off the Heat Source
A grease fire needs heat in order to continue to burn. As soon as you are safely able to, turn off the heat to the burner or stove. This will not immediately extinguish the fire but should slow it down.
Don't Move It
A fire of this nature is easily spread and you should never attempt to move it to a sink or outside. As you move it, you may splatter grease and fire around your home. There is also a potential to spill the oil onto yourself resulting in burns.
Do Try To Smother It
Fire needs oxygen to burn, so if you can remove the source of it, the fire will smother quickly. If your flames are contained in a pot or pan, attempt to get the lid on or cover it completely with a cookie sheet. If you have time, put on oven mitts to protect your hands while you do so.
When you experience a grease fire in your home, be sure to follow these tips to safely extinguish it. Afterward, seek out a fire damage assessment from a professional to help with fire cleanup.
The Effects of Smoke Damage on Electronics
An electrical fire means unwanted downtime and potential loss of vital data.
In this day and age, electronics are essential to keep your Cooper City, FL, business running. If an electrical fire occurs and damages that vital equipment, it means unwanted downtime and potential loss of vital data. After contacting your insurance provider to file a claim, the next step is determining what may or may not be salvageable.
The Effects of Smoke Damage
If the device has come into contact with flames, you can plan on it not being saved. Most devices have plastic of some form that will likely have melted. When it comes to items affected by smoke, determining if they can be saved is much more difficult. Below are three effects smoke may have on your devices:
- Soot is carried in the smoke. Since soot is acidic, it means increases the chances of corrosion and another electrical fire.
- A film may be left behind by the soot that insulates components and creates the potential for overheating.
- The magnetic charge in smoke may make devices short circuit, creating a new fire hazard.
Even if the device was not near the flames, it is best to unplug devices and get them inspected. It is especially important to turn them off if there is a smoky odor, the device seems hotter than usual or electric sounds are being heard.
Smoke Cleaning Methods
Not surprisingly, the sneaky nature of smoke makes it difficult to determine if electronics have been affected. A professional fire damage restoration will have the expertise to not only provide information on what may be usable but also have the tools and methods to properly clean some devices. From computer cleanup to monitors, a certified electronics professional will conduct a thorough inspection, take apart the device and restore it if possible.
If your business has experienced an electrical fire, the last thing you want is a damaged device to start another one. While not all electronics may be saved, getting them inspected and professionally cleaned is important.
Can You Salvage Your Wet Carpet?
Carpeting, in particular, can be salvaged in some instances.
Is It Possible to Save Your Wet Carpet?
If a pipe break or other disaster causes water to flood your Sunrise, FL, home, you may think you have to throw out all of your belongings. However, that is not necessarily the case. Carpeting, in particular, can be salvaged in some instances.
If the water that harmed your carpeting came from a clean source, such as a supply line, you do not have to discard it. Water damage restoration specialists can help you dry and clean the carpeting, instead. However, in the below scenarios, you will have to replace your carpeting:
1. The Water Was Contaminated
While water from a pipe break is typically clean, water from other sources often contains harmful bacteria. If the liquid that damaged your carpeting came from your toilet, the sewer system or an exterior source, you should discard the carpeting to keep your family safe.
2. The Water Has Been Present for At Least Three Days
Mold can start to grow on wet surfaces within 72 hours. It can then quickly spread throughout the entire house. To prevent a major mold infestation, you should thus throw out any items, including carpeting, that have been wet for more than three days.
3. The Carpet Is Old
If your carpeting was old or in bad shape before the flood, there is no need to waste your time and money fixing it. You are better off upgrading to newer carpeting anyway.
With the help of remediation experts, you can save most carpeting that becomes wet during a pipe break. However, if the carpet is old or was exposed to dirty water, you should consider replacing it. You will also have to purchase new carpeting if the existing one has been wet for several days. If you want to salvage your carpeting after a flood, you should thus call restoration professionals as soon as possible.
The Importance of Fast Home Fire Restoration
Fire damage in Davie, FL.
Fire restoration experts in Davie, FL, have identified three key factors in getting your home repaired quickly after a fire. Critical to the success of this process is to use an experienced local restoration company for your damage cleaning and restoration. SERVPRO professionals have an array of techniques to return the condition of your home until it's “Like it Never Even Happened.”
1. Why Is Speedy Restoration So Crucial?
If your home has been damaged in a fire, the building envelope may be breached, letting in the weather. Also, firefighting efforts can also cause substantial water damage. The faster these issues can be addressed, the less ongoing damage can occur.
Professional fire restoration companies can become insurance industry partners, meaning they’ve been vetted and have a relationship with insurance professionals. With pre-approval, in the case of a serious fire, one call can quickly get the restoration process started — literally before the fire trucks have left. Pre-approved professionals can even start mitigation efforts before formal approval is granted.
2. What Does Mitigation Involve?
Copious amounts of water may be necessary to extinguish a fire. Anything absorbent can be damaged to a greater or lesser degree as the water sits inside, getting behind walls through cracks and causing mold and other trouble. It’s vital to have it removed as soon as possible.
In addition, exposed areas of a home need to be tarped and boarded from the elements. Both of these steps work together to prevent further damage. After the first steps to protect a house and remove the water, a trained crew can bring in air movers to extract moisture.
3. How Fast Can a Home Be Restored?
The length of time needed for restoration depends on the degree of destruction and how it’s handled. In addition to water damage, smoke damage can be extensive even from small fires. However, professional restoration technicians have commercial damage cleaning agents that can dramatically speed up the process by restoring instead of replacing much of the damage.
Fire restoration can be simplified by keeping these points in mind. Professional assistance can save tons of time, money and a huge amount of frustration.
Do You Need Flood Insurance?
FEMA and commercial insurance companies offer flood insurance.
While you can't always avoid a flood, there are measures that you can take to protect your business from ruin. Commercial insurance policies that cover flooding are one way to go.
What Are the Stats on Floods?
Despite the danger of floods, many business owners continue to go without flood insurance. This is true even for businesses in coastal areas. That probably comes as a surprise to you, especially when you look at the stats on floods. Here are some facts about flooding that will cause you to think twice about flood insurance:
- One inch of water can cause thousands of dollars worth of damage
- Flash floods can carry water around 20 feet high
How Do You Know if You Are at Risk?
There is a common misconception between low- and no-risk flood zones. Additionally, changing flood maps can take a business from a low-risk area to a high-risk zone at any time. In other words, any business always has a chance of experiencing flooding, so it is best to invest in a commercial insurance policy that covers the damage and the cost of hiring a storm restoration professional for cleanup.
What Are Insurance Options?
The Federal Emergency Management Agency and commercial insurance companies offer flood insurance. Both options will have different coverage choices and associated costs. The key is to choose which one will be best for your business in Weston, FL. Be sure to understand the costs, coverage, and fine lines of any policy before deciding.
How Can You Save Money on Insurance?
As with most insurance types, how much you pay for your flood policy depends largely on your risk factor. To save the most money on insurance, compare several policies, go for a high deductible, and maintain continuous coverage on your business.
Floods can do serious damage to a business. Understanding the threat, options for insurance, those from private companies and FEMA, and how to save money can help you choose a policy to protect against this damage.
Does Commercial Insurance Cover Mold Damage?
When a pipe bursts it can cause major water damage.
Is Mold Damage Covered by Commercial Insurance?
Water damage from storms, floods and leaks can cause significant damage to your property. To make matters worse, the moisture from these events also provides a fertile breeding ground for mold. If your property has suffered water damage, you should review your commercial insurance policy to see what coverage is provided for mold.
Why Mold Is a Problem
Many people may see mold as primarily an aesthetic issue and focus on getting rid of the stains and smell. However, mold damage is a serious problem for several reasons:
- Can grow on almost any surface
- Often grows under floors, behind walls, in ducts, behind ceiling tiles and other places where it isn't visible
- Feeds on the material it grows on, which may damage or destroy it
What Commercial Property Insurance Covers
Most commercial insurance policies include a fungus exclusion that eliminates coverage for damage caused by the growth, proliferation, presence or spread of bacteria, fungus and wet or dry rot. Mold, mildew, spores, toxins, by-products and scents produced by fungi are included in this exclusion.
The standard ISO commercial policy contains three exceptions to the fungus exclusion. The mold that occurs because of fire or lightning is covered. A specified cause of loss that occurs because of fungus is covered. Finally, mold that occurs because of a specified cause of loss other than fire or lightning is covered by mold insurance, called Limited Fungus Coverage.
How Limited Fungus Coverage Works
Limited Fungus Coverage applies when a specified cause of loss results in mold. For example, if you have a broken pipe and the water damage from that pipe causes mold, then the cost of removing the mold or repairing any damage caused by the mold is covered up to the $15,000 limit.
Though commercial insurance policies broadly exclude coverage for mold, if the mold occurs due to a covered cause of loss, limited coverage applies in most policies. An insurance professional in Weston, FL, can help you review the specific coverages in your policy.
3 Mistakes Homeowners Should Avoid After a Flood
Flooding can be a devastating experience for any community to endure.
Homeowners Should Avoid These 3 Mistakes After a Flood
Flooding can be a devastating experience for any community to endure. Because many homes in Weston, FL, may be susceptible to this threat, it’s important to carefully evaluate your risks and consider purchasing flood insurance. In the event damage does occur, it’s also imperative that you avoid several key mistakes that could jeopardize both your home’s structural integrity and your claim.
1. Waiting for Adjuster To Arrive
Floods can affect large areas and many property owners. Because of this, your insurance adjuster may be inundated with claims, resulting in delays. Unfortunately, waiting to commence cleanup efforts can result in extensive mold damage that may further compromise your home’s structure. To avoid this, you may need to commence operations before the insurance representative arrives on scene.
2. Forgetting To Document Destruction
Properly documenting flood damage is an essential part of the flood insurance claim process. You should compile a list of your damaged or destroyed possessions that includes dates of purchase as well as each item’s value. Because the adjuster may not see the full extent of the destruction firsthand, it’s imperative that you take video or photographic evidence. Failure to complete this important step can jeopardize your claim or result in limited financial compensation.
3. Failure to Remove Saturated Building Materials
Because mold thrives in moist environments, it’s vital to commence flood cleanup and restoration endeavors as quickly as possible. Promptly removing standing water and saturated objects are important steps. Opening windows and utilizing fans and dehumidifiers can also expediate the drying process, keeping spores from proliferating.
To be efficient, you should also remove soaked drywall and insulation. This protects your home from extensive mold contamination by eliminating additional moisture zones where the fungus can breed undetected.
Completing a flood insurance claim can be a lengthy process. Cleanup initiatives, on the other hand, mandate a quick response. Understanding how to proceed with the project before the insurance adjuster’s visit can help every homeowner safeguard their property from additional destruction.