Recent Why SERVPRO Posts
What Your Insurance May Cover When It Comes to Water Damage
Flooded facility in Johnson City,TN
If you’re facing water damage due to a flood, a storm, or another reason, you may be wondering what part of the damage falls under your insurance coverage in Johnson City, TN. Knowing the details of your policy can be important for something like this. Here is some information you may wish to know.
While the exact nature of your policy depends on your insurance plan, location, and carrier, there are a few things that can be found in most basic homeowner insurance packages. These can include:
- Fixing a leaking pipe before a major breakage occurs
- Pipe breakages from an unpreventable accident
- Subsequent damage to other parts of the home caused by the water
- Professional services needed to clean, dry and repair damage after a flood
It’s important to know what exactly is in your policy in case you feel extra coverage is necessary.
An insurance company may provide additional policies for water damage that occur outside the normal events of a home. These usually include natural disasters, such as flood or extreme storms. Damage that occurs from raising water levels is typically considered flooding and is usually covered by these policies.
Certain services may not be covered. This is why it’s best to know what’s in your policy and to talk to an insurance professional about the coverage you need. These circumstances could include negligence, such as knowingly failing to fix a broken pipe before it floods, or damage caused by storm or natural flooding, which is usually covered by another policy.
In many cases, insurance coverage can include the damage that occurs after a flood or the services needed to fix a broken pipe. However, it’s best to know what is in your policy beforehand and to acquire any extra coverage you feel you may need before water damage occurs.
3 Services A Disaster And Restoration Service Can Provide Your Business After A Fire
Our SERVPRO of Washington County team is on standby and ready to respond to any kind of loss.
3 Services A Disaster And Restoration Service Can Provide Your Business After A Fire
When your Austin Springs, TN business experiences damage from a natural disaster, such as a fire, it can be difficult to know where to turn for help. Ruined documents, scorched building materials and lingering odors from such an event can all be a cause for worry. However, contacting a service that handles a variety of solutions, from fire restoration to remediation, can help you plan a path of recovery that may help you help save both time and money.
1. Building Inspection
While an insurance adjustor will likely come to inspect the affected areas of your building, a fire rebuild and restoration team may do the same so the technicians can document what has been damaged and what will need to be replaced. For example, if the fire was confined to one floor, the technicians may inspect the area to note if any sections of drywall and insulation will need to be torn out and if this will impact any structural materials on other floors.
Before your disaster recovery team considers any kind of fire restoration, the techs will probably perform the mitigation that is necessary to keep the damage from spreading. For instance, they might seal off certain areas to prevent smoky odors and soot from entering other parts of the building. This mitigation can be important for keeping undamaged areas clean so they will not require any restorative services later on.
3. Restoration Services
When your business has suffered a serious fire, restoration and rebuilding services will likely be required and a company that offers them, along with mitigation and inspection, can be helpful in this capacity. Whether you need document restoration or entire sections of your building rebuilt, a multi-service company can provide you with a variety of solutions that may suit your commercial and financial needs.
A fire at your Austin Springs, TN business can be devastating. However, when you are aware of the kinds of services that a fire restoration and cleanup service can provide, you may feel more at ease about the future.
How To Keep Insurance Claim Costs Down With SERVPRO
SERVPRO of Washington County can help you with claims processing
Keeping Insurance Claim Costs Down With SERVPRO
If a client has experienced a disaster in his or her Gladstone, TN home and has fire or water damage as a result, using a trusted restoration company can help you provide them with needed assistance while keeping insurance costs down. SERVPRO can provide services, such as pretesting, that will help both you and your client get through the claims process.
1. 24-Hour Service To Get the Process Started As Soon As Possible
The company is open at all hours, so you won’t have to wait to begin working through the insurance claim process. A quick response is important during an emergency and getting started sooner can save you both time and money.
2. Mitigation To Prevent Further Damage
If damage is not treated immediately, it will get worse and end up requiring more work when the company starts repairs. Mitigation is an important part of restoration and will be done within four hours when you work with SERVPRO. This will prevent the damage from spreading or worsening so that repairs will be less costly. It will also allow them to finish the job more quickly.
3. Pretesting To Determine Restorability
If your client’s property has been damaged, it is possible that it might need to be replaced. SERVPRO will do pretesting on each damaged item to determine if this will be the case. Because it takes less money to restore an object than it does to replace it, this step can help keep costs down if items are found to be salvageable.
4. Providing Access to Detailed Information
SERVPRO can provide the insurance agent with information that can help you make the right call when filing the insuring claim. They can give you an inventory of damaged items with corresponding pictures as well as access to their Claims Information Center where you can find information related to the claim.
When your client files an insurance claim, you want to make sure that you are doing whatever you can for them while also keeping costs down for the insurance agency. The right damage restoration company can help you do both.
How To Prevent Mold With Timely Mitigation
Cleaning up after a water loss in a Gladstone,TN building
Water Damage can Become Mold Damage
Having water damage in your commercial property in Gladstone, TN, is bad enough, but if left unchecked, that damage can become a breeding ground for mold. The only way to prevent that from happening is to fix the problem as soon as possible. Water restoration experts help by drying, cleaning and replacing materials that are affected by leaks and high humidity.
The first thing that technicians do to prevent mold growth is to dry out the affected areas. Mold can start to gather in as little as 24 hours from the time the moisture level gets too high. All excess water is siphoned off, and then surfaces must be dried. Technicians use specialized equipment to expedite this process so that mold doesn't have a chance to take hold.
When you have water damage, the area it covers will probably need to be disinfected after it is dry. Even if the leak comes from a pipe, it is likely to pick up contaminants as it soaks through the floor, insulation or ceiling, turning it into Category 2 water. Specialists can test the surfaces for traces of bacteria and other microbes to ensure that the space is left clean.
Ideally, technicians can get to the affected area in time to ensure not only mold prevention but also structure maintenance. Occasionally, however, the damage is too extensive to salvage the flooring, walls or ceiling saturated by the water. When that happens, the portion that had to be removed must be replaced. Then, the tile, paint or other aesthetic elements must be blended so that it matches the surrounding surfaces.
Fixing water damage quickly helps get your building back in order, but it also helps to prevent secondary damage such as mold growth. By calling for professional repair as soon as you notice the problem, you can protect your building from further problems.
3 Tips for Dealing With Partial Loss
Fire loss in Austin Springs,TN
How to Determine the Extent of Fire Loss or Smoke Damage
The term “partial loss” is used to describe property damage. Partial losses may require fire restoration or replacement. Total losses call for rebuilding. Here are three tips for determining the extent of fire loss or smoke damage when filing a commercial property insurance claim.
1. Document Damage
Whether you think that a commercial structure may be a partial or total loss, it is important to document all of the damage as soon as possible after a fire. Do not attempt to mitigate the situation before gathering photographic or video evidence of the full extent of the damage.
2. Specify Partial or Total Loss
The term “partial loss” is used to describe a structure that has not suffered a total fire loss. A total loss requires a complete rebuild, whereas a partial loss can benefit from mitigation and restoration. Building materials or contents that can be restored from fire or smoke damage may also be referred to as partial losses. An insurance adjuster will make the ultimate decisions regarding a commercial property claim.
3. Restore or Replace
Commercial insurance should cover the costs of restoring a partial loss or rebuilding a total loss. In either case, it is important to determine whether the policy will provide you with the replacement cost or actual cash value of contents and materials. The replacement cost is the full cost of an item at today's dollar value. The actual cash value factors in depreciation and other factors and may not be sufficient to replace the loss.
These tips should help you understand the difference between a partial and total fire loss. Property owners should allow adjusters and fire restoration specialists to determine the accurate categorization for the purposes of filing an insurance claim. No matter how extensive a partial loss may be, you can depend on a fire damage mitigation service located in Austin Springs,TN.
Top 4 Causes of Sewer Backups
Clogged pipe in an Austin Springs,TN home
Common Causes Of Sewage Backup
Most residents of Austin Springs, TN, probably take the community’s sewer system for granted. However, it’s a critical component of the municipal infrastructure that can malfunction and cause significant problems for homeowners, such as a flooded basement. Understanding four common causes of sewage backups can help you minimize your risk and possibly spare you a messy cleanup.
1. Tree Root Infiltration
Tree roots can infiltrate pipes and cause a backing up of sewage into your home. To help reduce the likelihood of this dilemma, you should identify the location of sewer lines before planting any trees and shrubs. Keeping vegetation a safe distance from pipes may prevent root infiltration and the need for a line cleaning.
2. A System Overwhelmed by Storm Water
In many communities, storm water channels and sewage lines converge. If a significant storm dumps an excessive amount of rain, the system may become overwhelmed, causing a backing up of waste water. If your home is not equipped with a back-flow valve or other control device, the situation may cause a flooded basement.
3. Clogged Pipes
Clogged pipes are another serious issue that can result in a sewage backup. Items such as paper towels, feminine napkins, diapers and wipes should never be flushed down the toilet. Placing these products into the trash helps minimize the risk of potentially devastating clogs.
4. Damaged Pipes
Like many other components of a community’s infrastructure, sewer lines can deteriorate over time. Symptoms of a potential problem include consistently slow drains and a lingering sewage gas odor. If you have concerns about your home’s plumbing, you should promptly contact a licensed plumber who can properly evaluate your system, as well as diagnose and address any existing issues.
Sewage backing up that results in a flooded basement is an experience all homeowners hope to avoid. Although every home is potentially susceptible to this extremely messy dilemma, understanding common causes can help you take proactive measures to minimize risks and possibly avoid extensive cleanup and restoration endeavors.
Understanding Water Categorization
Flood water presents a serious risk to people, and when it reaches category three, black water, it should be avoided.
As a property owner in the Johnson City, TN, you may have to deal with several water issues. While a toilet overflow is a simple issue to deal with, in this area you’ll probably have to deal with problems involving flood water. Flooding can cause not only significant property damage, but it also poses a potential health risk as well, and being a property owner in this area you should become familiar with the different levels of water classification.
1. Sanitary Water
Category one water is considered sanitary water. This water is the safest water to drink, cook with, and bathe with. Sanitary water is also commonly referred to as clear water, which is a reference to its appearance and an indicator that it is clean, meaning that it has not been contaminated by other sources.
2. Gray Water
Gray Water, category two, is not sanitary and can pose a risk of illness if you come into contact or consume this water. Typically, this water occurs in the event of appliance or toilet overflow, which means that it is contaminated by chemicals and sewage.
3. Black Water
Black water, category three, is the most dangerous of all waters and is likely the result of flood water. This water is formed by a mixture of rising rivers and overflowing sewers. With the high level of contaminants in this water, it is also toxic to humans and animals, causing illness and potential fatality if ingested. If you’re building is submerged in black water, it is best to avoid it and allow professionals to do the final cleanup process.
Flood water presents a serious risk to people, and when it reaches category three, black water, it should be avoided. As a business owner, you should be aware of the various levels of water categorization to ensure both your safety and the safety of your tenants. For more information, visit http://www.SERVPROwashingtoncountytn.com/.