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Tips for Filing a Commercial Fire Damage Insurance Claim
Commercial fire damage in Weston, FL
Tips for Filing a Commercial Fire Damage Insurance Claim
If a fire tears through your commercial property, you should first make sure that everyone in your company is safe. Your next step should be filing a fire claim with your insurance company. The insurer can help your Weston, FL, business pay for any losses or interruptions.
Once you file your claim, the insurer may send an adjuster to survey your property. The adjuster will assess the fire damage and assist you with the rest of the claims process.
Depending on the extent of the destruction, you may receive visits from different adjusters who specialize in various areas. For instance, there may be one adjuster who looks at the structural damage to your property and another who focuses on the harm to your assets. Before the adjusters arrive, you should follow the below steps.
1. Collect Business Records
Find the receipts for any equipment that was damaged by the fire. If you plan to make a business interruption fire claim, you will also need to present proof of your company's income. You can do this through your financial statements and tax returns.
2. Make Necessary Repairs
Fires can damage doors and roofs, leaving your building vulnerable to additional harm from weather conditions or looters. Feel free to make temporary repairs to keep the property secure. This could include tarping the premises or placing boards on the doors.
3. Take Photos
Ideally, you should not throw any items away until the adjusters have inspected them. If you do need to dispose of anything, be sure to document those assets with photos or videos.
4. Call Remediation Experts
To expedite the claims process, you should contact your local fire restoration company and get an estimate for the cost of repairs. The insurance adjusters can then determine how much of that cost will be covered.
Insurance adjusters can guide you after you file a fire claim for your commercial property. To ensure everything goes smoothly, you should prepare properly for the adjusters' visits.
Tips for Dealing With a Water Disaster
Drying equipment in a commercial building
Tips for Dealing With a Water Disaster
Unless your company in Weston, FL, has experienced a flood or some other major water event before, you might be unprepared for the sheer disruption these events can cause. Water can find its way into the smallest spaces and soak building materials, documents, and computer devices. A few damage tips can be of great help. For example, electrical devices should not be turned on after an unexpected discharge of water into your building. For one thing, this could result in an unsafe condition and increase the chance of a shock hazard. Second, turning on power prematurely could damage the components of computers, electrical systems and alarm systems.
Techniques for Drying
When water inundates a property from a pipe burst or some other happening, it becomes critical to remove this moisture quickly. Failure to do so results in extensive damage to materials as well as opening up the possibility of mold growth. Therefore, proactive damage tips include methods for removing water from your property. A professional water remediation company uses the following means to remove water:
- Vacuuming up of standing water
- Air drying smaller areas of moisture
- Dehumidifying remaining pockets of water
Quick water removal doesn't give moisture time to break down materials. Professionals use their training and advanced equipment to return the humidity level to normal. They also have the ability to peer behind walls with sophisticated devices to make sure excess moisture does not remain.
Methods for Cleaning
Surfaces impacted by a water release also need to be cleaned according to best industry practices. This removes odors and eliminates the danger of a mold infestation. Other cleaning tips include the use of sanitizing agents that remove microbes and other pathogens. In some cases, materials have to be completely replaced; other times, materials can be cleaned and restored to good condition. An experienced restoration company knows many damage tips to help your company recover from a disaster.
How To Deal With Water Damage in Your Place of Business
Extracting standing water from commercial building
Anyone who has had to deal with pipe burst cleanup knows water damage can be a serious business. Have you recently had a broken pipe in your office in Weston, FL? The severity of the water damage and how much of the building was affected can determine whether you should handle the job yourself or if you should call a professional restoration company to help.
Where To Begin
First, make sure the place is evacuated. Don’t have customers or employees in the building until after the affected areas have been cleaned and inspected. Take safety precautions before you start the pipe burst cleanup process:
- Turn off the power to the building.
- Unplug all electrical cords.
- Remove appliances and electronics from the area.
How To Clean Up
Once you have taken the necessary precautions, begin to clean the mess. Start by removing any soaked items such as area rugs and carpeting. Then mop up the water or soak it up with old towels and rags. Try to air the building out by turning on fans and opening all windows and doors to get a cross breeze. Use a dehumidifier to remove excess moisture from the air.
After you clean up the excess water, check for damage. Look at the floors and walls to see if water has soaked through. If you see signs of water damage, it is best to call a sewer cleanup company to come help. Mold can begin to grow if any moisture is not properly cleaned. If mold has already begun to grow, it is even more vital to call professionals.
Pipe burst cleanup can be a real hassle. Fortunately, there are services available to help. The sooner you begin the process of drying things up, the better. Don’t wait for mold to develop before you have the area cleaned. Be proactive in these situations to avoid preventable issues.
How Do You Stop a Toilet That Won’t Stop Flushing?
Toilet overflow, or a toilet flood, can be a common occurrence in many large business operations
Toilet overflow, or a toilet flood, can be a common occurrence in many large business operations. Due to the extensive use of restrooms in these types of facilities, toilet mechanisms can become worn relatively quickly. If you are dealing with a toilet that is continuously running or flushing, you may have a problem with the gasket.
To stop a toilet from constantly running, you may want to follow these four steps:
Shut off the Water Supply
The first thing you want to do is shut off the main water supply to the toilet that is causing the problem. Locate the slot for the flathead screwdriver on either the left or right side of the toilet and turn it to shut off the water.
Remove the Lid of the Flushing Mechanism
On top of the pipe running up the back of the toilet, there is a large bolt securing the lid of the flange and its components. You can loosen this slightly to remove the cover and expose the flange gasket.
Remove and Clean the Gasket and Weep Hole
You may notice that the gasket is covered in sediment along with the weep hole, and this is potentially causing your toilet overflow problem. Remove the gasket and clean it and the weep hole thoroughly before returning it to the toilet and testing the flow.
Replace the gasket
If cleaning the gasket did not resolve your issue, you may want to replace the gasket altogether. Replacing the gasket is a simple enough job; however, you may want to seek an experienced plumber in the Weston, Florida area if you have further issues.
Toilet overflow, while common, can be a nuisance to your business, especially when it hinders efficiency. The above steps may help resolve the most common problem in these instances; however, there may be times when it’s best to get a professional’s opinion.
3 Tips To Protect Your Business' Wood Floors From Water Damage
How to Keep Your Hardwood Floors Safe After a Flood
Whether a flood is caused by a pipe burst or a broken appliance, hardwood floors in your business in Weston, FL, can become damaged if they are not appropriately treated. Fortunately, there are steps you can take to keep your hardwood floors safe after a flood occurs.
1. Stop the Floodwater
When floodwater quickly accumulates in a business, the results can be disastrous. Stopping the floodwater quickly is often beneficial since smaller amounts of water are less likely to cause significant damage to your hardwood floors. If the cause of the flood is coming from within your building, you can generally stop the floodwater by shutting off the water to your whole building.
2. Quickly Relocate Damp Items
When water from a malfunctioning appliance or pipe burst is no longer actively flowing into your building, you can begin to relocate any items that got wet in the flood. Keeping damp items on your wood floor can allow water to damage the floor over time and can also make it more likely for the items themselves to sustain more damage. Once you have removed wet items from the area, you can better assess the damage to your floors and the damp items.
3. Dry the Floors
A wet floor is more likely to sustain damage if the water is not quickly removed. Mopping and putting towels down can often help to remove small amounts of water. However, removing large amounts of water may not be as simple. Though a wet vacuum can be useful to use on moderate amounts of water, you might consider contacting water damage restoration experts to assist in removing large amounts of water, especially if the water is contaminated.
Replacing hardwood floors can be expensive and time-consuming. However, stopping the floodwater, moving damp items and drying your floors as quickly as possible after a pipe burst or a broken appliance causes your building to flood can help you to prevent your hardwood floors from sustaining major water damage.
Choosing the Right Fire Restoration Company
Fire damage restoration equipment
Choosing the Right Fire Restoration Company
Navigating the aftermath of a commercial fire in Weston, FL, requires a number of smart moves. Minimizing the fire damage to the building includes calling in the fire department to put out the blaze. One of the next steps is contacting a fire damage restoration company that is Faster to Any Size Disaster. A quick response prevents additional damage from the fire and allows the fire remediation team to take immediate steps to secure the building. A commercial fire is likely to leave openings in a building, such as a damaged roof, so closing any of these openings is one of the first orders of business.
The second step in fire damage restoration is a building assessment. This overview of the company looks at the following matters:
- The size and scope of the fire
- The damage done to the roof, walls, flooring and electrical system
- The water damage caused by fire fighting efforts
- The overall cost and time frame of the cleanup
- A workable plan of action
At this point, the cleanup process begins. A qualified company has the resources and the training to handle any size fire. Technicians have access to specialized equipment that removes water and dries out the building. Soot and smoke cleanup use a variety of methods to clean surfaces and remove the odors associated with a fire. The contents of the building should be tested to see if they can be restored.
A full-service contractor for fire damage restoration will coordinate efforts to repair or replace items such as cabinetry, carpeting, and drywall that has been damaged. Dealing with one company during the process helps with speed, expenses, and insurance claims. A thorough cleanup effort in line with the highest industry standards ensures a good outcome for a company. Working with a trusted franchise after a fire makes the recovery process better.
What Issues Will Commercial Storm Insurance Cover?
Hailstones can break windows and damage the siding of your building
If you own a commercial building, you want to protect your assets. Like any responsible owner, you'll purchase insurance. It's important to understand the extent of your coverage, especially when it comes to storms and other environmental damage. Storm insurance can help you pay for the costs of extensive cleanup and rebuilding following large-scale damage to your property.
What Insurance Doesn't Cover
You may first want to know what your insurance coverage won't pay for or when you should purchase additional coverage. Your commercial plan won't cover any damage that you caused on purpose. Not only will your insurance agent deny this claim, but you will likely be criminally prosecuted. Other exclusions to your plan include:
- Water damage from appliances and plumbing systems when you failed to do proper maintenance or knew about the problems
- Flooding from sewer backups or overflowing rivers
- Earthquake damage
High winds can do significant damage to your Weston, FL, building. Replacing shingles, fixing windows or taking care of structural damage from a fallen tree could be expensive. Your storm insurance should cover any damage that winds cause.
If you know you live in a part of the country where hailstorms are common, you'll be happy to know that your plan should accept claims when this occurs. Hailstones can break windows and damage the siding of your building. Your commercial plan should cover cleanup expenses and anything it costs to pay professional storm damage restoration teams to rebuild the structure.
While strong winds can be a problem for your building, tornadoes can inflict catastrophic damage. A large enough tornado could require rebuilding your office from scratch. Your insurance plan should cover even the most severe tornado damages.
Make sure you understand your insurance policy and that it meets your needs. If you have questions or concerns about what it does and does not cover, speak with your storm insurance agent today.
Why Mold Grows in Air Ducts and What To Do About It
Excessive moisture in the air can encourage additional mold growth
Mold can appear on nearly any surface. If it grows in your office's air ducts, the spores could spread throughout the rest of the property. That is why you need to perform proper HVAC cleaning.
More About Mold
Mold is a natural fungus that plays an important role in nature. However, it can easily come inside commercial buildings through open doors or windows.
Excessive amounts of mold can cause severe damage to your Weston, FL, property. You then may have to spend company profits on black mold cleanup services.
Since mold thrives in moist areas, it can quickly grow within air conditioning and heating units. Common locations for mold within HVAC systems include:
Specifically, mold will grow on the dust that has collected inside the ducts. You should thus check these ducts for dust frequently and do any necessary HVAC cleaning.
In fact, you should regularly inspect the various parts of the heating and air conditioning system. This is particularly important if your property is humid. After all, the excessive moisture in the air can encourage additional mold growth.
You should similarly look for any condensation or pooling water within the system. A blocked drain or drip pan could lead to a buildup of mold, as well.
Of course, not every air duct is easily visible. However, mold also typically gives off an unmistakable smell.
If you or your employees smell mildew on the premises, try turning off your HVAC system for 10 to 20 minutes. An odor that disappears or weakens during that time is likely evidence of a mold problem within the ducts.
Once you do see or smell the fungus, do not attempt the mold cleanup yourself. Mold remediation specialists will have the proper tools and techniques for cleaning vents and other moldy locations.
By performing regular HVAC cleaning, you can avoid mold damage to your commercial building. This will keep your assets safe and prevent the fungus from destroying your property.
Is Your Business Ready for Heavy Storms?
Business interruption insurance helps protect you from the effects of revenue losses
When a major storm system causes power outages or leads to wind or flood damage, you don't want to wonder whether your storm insurance covers all your losses. Concerns about lost inventory, damaged property, and the loss of daily revenue are stressful enough without having to wonder what your insurance coverage does or does not include.
What Does Storm Insurance Cover?
Although policies vary from one provider to another, you can expect your storm insurance to cover
- Interior property damage
- Replacement or repairs to damaged inventory
- Business interruption losses
Your regular business insurance may provide a lot of peace-of-mind, but it isn't enough to keep you afloat when storm damage closes your doors.
Interior and Exterior Damages
Heavy winds, a lot of rain, icy snow days, and extreme temperatures can damage the structure of your building, requiring the attention of water and storm cleanup experts before you can safely reopen your doors. In addition to those costs, you may also have damages inside your building.
Replacement or Restoration Costs
Primary damages aren't the only things you'll need to worry about; water often leads to secondary damages, such as mold growth. Your storm insurance may cover the costs of repairs, restoration, or the replacement of inventory and damages. Professionals generally focus on restoration before replacement to keep your costs down.
Business Interruption Insurance
If you have to close your doors during the restoration and rebuilding process, business interruption insurance helps protect you from the effects of revenue losses. Don't wait for storms to hit before purchasing this additional coverage. The best time to consider the benefits of special insurance policies is before your business has been disrupted.
When you know what your storm insurance policy will cover before dark clouds roll in, you won't have to worry about what damage the winds will cause. You'll know that your Weston, FL, business is ready to survive the storm.
What Happens to Affected Items After a Flood
Water damaged computer
When flooding occurs, your building and all it contains is likely affected. Your flooded company in Weston, FL, will need professional remediation services to repair the building. Technicians may also be able to offer cleanup for the contents of your building as well. Here is a snapshot of the overall process.
Anything water touches has the potential for damage:
- Office equipment
- Window treatments
When technicians are removing items from your building after a broken pipe has flooded it, they can determine whether each item is salvageable. Those that are not can be thrown out. Those that can be saved are stored safely until the proper restoration process can be completed.
Before items from your flooded company can be restored, they probably need to be cleaned. If your curtains are soiled, dry cleaning can not only remove stains but also any microbes from the water. Technicians have techniques for cleaning electronic equipment that is not irreparably damaged. The surfaces of office furniture can be disinfected. The cleaning step is necessary to help prevent secondary damage such as mold.
For many items, a good cleaning is all they need to be fully restored and ready to return to your building. Some items, however, need further restoration. If, for example, a chair in the lobby developed mold growth, it may need to be reupholstered before it can be returned to the building. Soaked files may need extra time to dry, or you may decide to digitize all the files so that the paper copies can be discarded. The technicians in charge of the restoration process can determine when an item is ready.
While your main concern for your flooded company may be the structural damage it sustains, don't forget about the items that are also affected by the flooding. You may be able to salvage more items than you thought possible.
Recovering From a Business Fire
Safeguard against trespassing
If your business in Weston, FL, has been adversely affected due to a fire loss, there are a few steps that you can take to make sure that recovery takes as little time as possible. Begin your road back to prosperity by considering the following:
Secure the building to guard against theft
Contact your insurance agency and file a claim for any losses incurred
Look into hiring fire restoration experts to help with cleanup
Safeguard Against Trespassing
To prevent adding insult to injury, ensure that the perimeter of the business is fenced off to discourage theft and vandalism. You can choose between temporary barriers or a chain-link type of fencing. If there is some type of deterrent for would-be thieves, the chances of incurring more loss are reduced. Another option is to hire security if there are high-dollar items in the business that can't be easily moved to another location.
Get In Touch With Insurance
A quick call to your agent will get a claim started in their system. Be sure to list any casualties that you have sustained due to the fire loss. It's always a good idea to document possessions or merchandise by snapping photos and storing them in a safe place in case disaster strikes. Remember to act swiftly because the sooner you file a claim, the sooner monetary relief will arrive.
Hire the Experts for Cleanup
A fire loss doesn't have to be the end of the road for your livelihood. Fire restoration professionals are available to help with the recovery process. They will be able to restore surfaces that have sustained water harm, make smoke damage disappear and protect your property from mold invasion after the fire department has left. An excellent cleanup service will also be able to handle emergency roof and window issues so the building is not exposed to the elements. If you follow these steps in the aftermath of a business fire, you can rest easy knowing that you will be well on your way to returning to regular operations.
Water damage cleanup in a business in Davie
Water damage cleanup in a business in Davie
If you have water damage in Davie, Florida, it is important to contact the folks at SERVPRO of Weston/ West Davie immediately. They have the team in place to handle any type of commercial water loss from start to finish.
The first step is to make sure all of the water is properly removed from the building. This is typically done with truck mount extractors and portable extractors. Once all of the water is removed, SERVPRO can then begin to place drying equipment throughout the building.
Each day a member of SERVPRO’s team will assess the drying process. The goal is to make sure that there is progress so the facility can be completely dry in a few days. Failure to dry quickly can result in secondary damage, like mold. SERVPRO of Weston/ West Davie has team members that are IICRC certified, which is the industry certification for water, fire and mold work. We take great pride in training and making sure we know everything and anything about the disaster restoration industry.
If you have any questions, do not hesitate to reach out to us at anytime. We are always here to help.
What to do if you have a commercial loss in Davie, Florida
Living in Davie, Florida there are many times each year where we have tremendous amounts of rain. If your business has a roof damage, it is quite possible you could deal with water damage. SERVPRO of Weston/ West Davie is the premier choice to help with any water or fire damage.
The first step with any water loss, is to make sure you get the water out of the building. SERVPRO of Weston/ West Davie is quick to respond with emergency services. They will quickly begin extracting water to get your facility dry as quickly as possible.
After all of the water is removed, SERVPRO of Weston/ West Davie will begin to place drying equipment throughout the property. Once the equipment is running for a few days, SERVPRO of Weston/ West Davie will monitor daily to make sure that proper drying is taking place.
After the job is complete, SERVPRO of Weston/ West Davie will remove all equipment and help with any necessary repairs that might be needed.
If you have any questions, do not hesitate to reach out to us at anytime.
Steps To Keep Employees Safe During Mold Remediation
SERVPRO always ready to help you with mold remediation.
How To Keep Your Employees Safe During Mold Remediation.
When mold removal is necessary in your business in Weston, FL, the safety of your employees can become a concern. There are several ways you can keep employees safe during mold remediation.
1. Removal of Damaged Items
Preventing the spread of mold can help keep employees safe. It’s often easy for mold to spread from one item to another, which is why any items that have been damaged by mold should be removed. Generally, experts in mold remediation know how to best remove the items without allowing the spores to spread. After items are removed, professionals can advise you whether restoration is possible or if replacement is necessary.
To further prevent mold from spreading, containment methods are often implemented in the mold removal process. Physical barriers are often put in place to keep mold contained. Additionally, reducing the airflow in a building makes it harder for spores to spread and makes it safer for employees to enter the building in an area that isn’t affected by mold. Airflow is often minimized by shutting windows, not using fans and turning off air conditioning in a building.
3. Dress Appropriately
It’s often preferable that employees do not enter a building that has been affected by mold, especially black mold, unless it is absolutely necessary. If mold is widespread and has not been contained, it’s wise to ensure that the employee is equipped with masks, gloves and clothes that can be thrown away after they are worn. Even if the mold is contained to one area, it can still be helpful for employees to take precautionary steps.
Mold removal is an important step in restoring your business after it has been affected by mold damage. By ensuring that items affected by mold growth are removed, having the area affected by mold contained and making sure anyone who enters the building dresses appropriately, employees can be better protected during remediation.
Do’s and Don’ts of Filing a Fire Claim
Fire damage in Weston, FL
Do’s and Don’ts of Filing a Fire Claim
Once the smoke has cleared and the flames are extinguished, one of the first things fire victims need to think about is a fire claim. But how do you go about ensuring that you get everything you’re owed? Some concerns may include the following:
- Collecting benefits in a timely manner
- Receiving reimbursement for all relevant damage
- Wrapping up the claim quickly so building restoration can begin
There are many details to consider, but these simple do’s and don’ts can help you navigate the process following your Weston, FL, fire damage.
Don’t Clean Up
One of your first instincts following a fire may be to start picking up debris, but this isn’t the best idea. Cleaning up can remove proof of some damages and prevent you from collecting on your benefits.
Do Take Pictures
There’s bound to be much on your mind in the wake of a fire, and it’s easy to forget the smaller details. This is where a camera can come in handy. Go around the property documenting everything that the fire harmed, big or small. This can be especially useful to prove damages weren’t pre-existing.
Do Make a List of Property Loss
As soon as you’re able, make a list of things lost in the fire. No item is too small. It’s important to begin this right away, because it’s easy to forget all of the details in the weeks following a fire. Starting early ensures you’ll have a thorough list and a better chance at getting what’s due.
Don’t Wait to File a Fire Claim
Insurers often require policy holders to file as soon as possible, so don’t delay calling. Alerting the insurance company allows it to expedite the investigation process and can get you reimbursed sooner rather than later. This is especially true if nearby properties were also damaged and will also be filing claims.
Nobody ever wants to face a business fire. But when the unthinkable happens, it helps to know what to do. Use these tips to help you file your fire claim so you can focus on fire restoration and a return to business as usual.
4 Efficient Water-Saving Strategies Every Business Can Employ
Local office had a pipe leak in Weston, FL
Strategies to Help Conserve the Resource and Decrease their Utility Bill
Leaks and excessive consumption are two examples of potentially problematic water issues that can affect any business in Weston, FL. While it may be challenging to detect broken pipes and avert water damage, every business owner can employ several efficient strategies to help conserve the resource and decrease their utility bill.
1. Maintain Irrigation System
A commercial irrigation system can be an efficient means of maintaining a lush, appealing landscape. However, cracked components and misaligned heads can waste an abundance of water and increase your monthly bill. To help reduce this risk, you should inspect your irrigation system every spring, confirm it’s properly programmed and promptly address any defective or broken elements.
2. Upgrade Toilets and Urinals
Restrooms may be an optimal space to address water issues. Flushing toilets can utilize a significant amount of fluid. To help reduce usage, you can install water-free or 1-pint urinals and low-flow toilets. You can also reduce resource consumption by keeping existing commodes but upgrading to more efficient flush valves that utilize less liquid per flush.
3. Modify Sinks
A sink modification may be another beneficial water upgrade worth considering. You can implement a simple change by replacing aerators with enhanced versions that are designed to conserve more fluid.
Leaving a tap open longer than necessary also contributes to excessive consumption. To help eliminate this problem, you can install touch-free sinks that automatically shut off. Although they can be expensive, these innovative devices can be extremely efficient conservation tools.
4. Install Energy Efficient Appliances
Restaurants, hotels and many other businesses can also help resolve usage concerns by making selective appliance choices. Designed to use an efficient amount of fluid, Energy Star dishwashers and washing machines are an ideal option that can help save you money in the long run.
Water is a valuable resource, and excessive consumption can be both wasteful and expensive. Implementing simple upgrades and changes can help address your building’s water issues, facilitate enhanced conservation and ultimately save financial resources by reducing utility costs.
When Are Flood Cuts Necessary?
Flood cuts after a water damage in Weston,FL
Storm or water damage that results in flooding may necessitate a flood cut. This procedure involves cutting out drywall approximately one foot above the highest level of flood damage to assess the presence of moisture behind a wall. Here are several situations when this mitigation method may be necessary.
When Water Damage Occurs
Water damage involves one of three categories:
- Category One water is clean. A Category One leak is typically caused by a broken supply pipe.
- Category Two water or gray water contains chemicals or microbes. This water may come from a dishwasher, shower, or washing machine.
- Category Three water or black water is highly contaminated. This water may contain sewage, solid waste, or toxigenic substances.
A flood cut will probably be necessary for damage involving contamination from Category Two or Category Three water. Category One leaks that make contact with walls without insulation should not require a flood cut and can be dried. Category One water may start to degrade if left standing for days.
Most flood water is Category Three, and necessitates a tear out of porous building materials such as drywall or insulation. If a commercial property is flooded with one foot of water, a mitigation expert will perform a flood cut at the two-foot level. Insulation exposed to any type of water cannot be safely dried, poses an increased mold risk, and will need to be removed and replaced.
If Mold Is an Issue
Contaminated water sources exacerbate the risk of mold growth. Mold can start to grow if water is left standing or excessive moisture persists for 24 to 72 hours. Mold tests may also require that experts make controlled cuts.
Flood cuts are usually necessary after a building is exposed to flooding. If water damage occurs at a commercial property in Weston,FL, contact a water and storm damage restoration service.