What To Know About Storm Damage and Your Insurance
Knowing what exactly is in your policy is your responsibility as the homeowner
What To Know About Storm Damage and Your Insurance
If you live in an area such as Las Vegas, NV, you may find you get a lot of storms. Heavy storms can cause a number of damage types to your home, meaning you may want to make sure you have flood insurance coverage. Storm policies can provide a number of benefits you may want to be aware of.
1. Storm Insurance May cover Many Damages
Depending on what's included in your coverage your storm Insurance may also include coverage for hail, wind, and flood damage. Secondary damage policies often include coverage for damages that occur as a result of the first type. One example of this can be mold damage. Knowing what exactly is in your policy is your responsibility as the homeowner.
2. You Don’t Have To Wait for Your Adjuster
It's also important to know that you do not always have to wait for your flood insurance adjuster to arrive document the damages before beginning clean up. In many cases, it's important to begin to clean up as quickly as possible in order to prevent additional damages or long-term problems.
3. Your Insurance May Recommend a Restoration Company
Many insurance companies have a list of preferred vendors they recommend you work with for certain projects. This can include a local storm damage restoration service. One of the benefits of working with a professional team is that these professionals have the ability to document the damage as they begin clean up. This allows them to get the insurance adjuster any information they may need while also beginning the repair process as quickly as possible.
In addition to flood insurance, the storm coverage in your homeowner's insurance policy may cover many damage types. It's also important to know that as cleanup should take place as quickly as possible. You may not need to wait for an insurance agent to assess the damage. In many cases, they may recommend working with the local restoration service who can help document this part of the process before the adjuster even arrives.
Types of Water Losses in Commercial Properties
Water -Related Problems That Your Property Policy for Your Building Will Cover
Commercial insurance carriers get a lot of claims for issues caused by damaged pipes or floods. Water loss is one of the most common problems that occur in commercial properties. Here are a few water-related problems that your property policy for your building in Northwest Las Vegas, NV, will likely cover.
Sudden Water Leaks
Leaking pipes caused by a sudden break are typically covered by commercial insurance plans. These leaks can happen for a variety of reasons:
- Broken supply line
- Fire system output
- Broken pipes
- Leaking appliances
While the policy may not pay to fix the damaged pipe or appliance, it probably covers the cost of water remediation services that repair the damage (waterlogged walls, loose flooring, etc.) that result from the leak.
A property policy is designed to preserve the property itself. This can include not just the building but covered items within the building, such as office equipment and furniture. If your building sustains secondary damage, such as further saturation or a mold problem, as a direct result of a covered peril, your policy will likely cover the cost to mitigate that damage as long as you can prove that you did everything in your power to prevent it. Some appliances or flooding situations may be excluded from your policy, so it's a good idea to talk to your agent about additional coverage you may need to compensate for exclusions.
Fire System Repair
One of the most common exceptions to the exclusions in many policies is the fire system. Sometimes, even if the system operates as designed, damage still occurs. If the system is damaged by the substance used to put out a fire, your coverage is likely to pay for the repairs needed to get it back up to code.
Damaged pipes and sudden leaks can wreak havoc on your commercial property. Knowing what your insurance package covers can help you navigate the repair process better.
Finding and Combating Hidden Mold Inside Your House
Mold damage in a Northwest Las Vegas, NV home
Even though mold has a distinctive look, its presence is not always obvious. Sometimes you will need the assistance of an indoor environmental specialist and your own intuition to eliminate mold before it continues to damage your Northwest Las Vegas, NV, residence. If you suspect this organism is inside your home, learn how to track it down, how to contact the right people, and why you should do this fast.
Detecting the Presence of Mold
Most of the time, mold is in obvious locations like the wall, window, or ceiling. However, it can also manifest through more subtle forms.
Hidden spots near vents, drains, showerheads, corners, etc.
Strange odors and smells
Recent occurrence of a flood or another type of water incident
If you have experienced these signs, or suspect they are somewhere within the house, it is time to call specialists that can help with the issue.
Contacting the Specialists
Once you suspect that mold is in the area, you will need to bring the right people for the job. A licensed indoor environmental specialist will inspect your home closely, conduct a mold test, and collect any samples he or she finds. After that, the technician will analyze the results and collaborate with you to create a plan of action. You will also need the assistance of residential mold remediation specialists that will safely eliminate the mold and restore the affected areas.
Understanding the Urgency
Mold is a serious condition that should be taken seriously and prompt quick action. Even if you have little to no evidence of mold, you should still schedule a test. Neglecting a potential case can encourage mold growth and spread over time, which further damages your home. Also, the presence of mold is a red flag of larger problems like a plumbing leak or a faulty roof.
Not every mold case will be immediately noticeable. Contact an indoor environmental specialist to find out whether your home has mold and what actions to take.
3 Ways Your Restoration Team Can Help With Content Cleaning After a Fire
Additionally, your restoration team may also be able to help with storing your items until the repairs on the property can be completed.
After a fire at your Las Vegas, NV company you may be wondering what the best way to clean and repair your office items are. There are several options available from dry-cleaning to soaking an item in a cleaning solution. Fortunately, a local fire damage restoration service can help with this process in several ways.
1. Document Restoration
One important aspect of the content cleaning service that may be offered by your restoration team is the ability to restore documentation. This can be extremely useful if you have paper files that may have been damaged. Your restoration crew may also be able to help digitize these files so they can be stored electronically instead.
2. Item Cleaning
Item cleaning can be done a number of ways depending on the item size, material and type. A local restoration service may use a spray on cleaning solution, soak small items, or use a dipping method for materials that are non-mechanical. Dry-cleaning options can be used for more sensitive materials as needed, and may often utilize cleaning powders or small brushes. If you have any questions about which method may be used for which item a professional will be able to help.
3. Content Storage
Another service that may be offered is the ability to store the contents of your business until repairs to the building can be completed. In many cases the items will be cleans and repaired as needed and then moved to a safe storage space. One the business property is restored they can be returned to their original location.
Your local restoration service can help with your content cleaning in a number of ways. They can restore paper documentation so that it usable and help digitize it’s contents, and they can also offer a number of both wet and dry-cleaning services. Additionally, your restoration team may also be able to help with storing your items until the repairs on the property can be completed.
How a Fire Can Lead To Water Damage
Fire damaged structure in a house
Here Are Three Ways That Can Happen
You may be wondering why a Las Vegas, NV, fire damage restoration service can also clean up and repair water damage. This is because a fire can often also lead to water caused damage. Here are three ways that can happen.
1. Fire Hose
A fire hose can pump out approximately 500 gallons of water per minute. While this is plenty of water to put out a large house fire, it can also leave the affected area of the home flooded. Fortunately, a restoration service can have pumps and other devices necessary for water removal at their disposal. After the water is removed they can inspect for damage and begin smoke odor removal and item restoration.
2. Suppression Systems
If your home has a fire suppression system, such as overhead sprinklers, installed they can help prevent extreme fire damage by releasing suppressant before the flames grow too big. However, this can leave the area flooded. A restoration service can help remove water from the affected area, as well as make repairs. They can also inspect for any mold growth and mitigate this as well.
3. Structural Damage
A fire can also cause structural damage which may leave holes in the exterior of the home. Weather such as rain or snow can then get in and create water problems. This is why you may see restoration professionals board or tarp over areas until repairs can be completed. With a little time and effort, the restoration crew can have your home looking“Like it never even happened.”
It’s not unheard of for fire damage to lead to water damage which is why many restoration teams have the training needed to deal with both. This can occur from fire suppression systems like a hose or overhead sprinklers, as well as when structural damage creates holes in the exterior that weather can get through. If you have further questions a professional can help.
Choose SERVPRO for Catastrophic Disaster Recovery
Flood Damage from Storm in Nortwest Las Vegas
There have been more and more large natural disasters over the past few years. These floods, wildfires, and hurricanes can lead to catastrophic loss. Your clients need a storm damage restoration company that has experience handling these major incidents.
SERVPRO Provides Disaster Relief
SERVPRO has the necessary expertise. The company is one of the nation's leaders in emergency cleanup. Since its founding in 1967, SERVPRO has responded to all types of incidents, including fires, floods, and storms.
The 1,700 SERVPRO franchises provide the local knowledge your clients need along with the corporate resources necessary for large-scale disaster responses. SERVPRO has actually responded to several major weather events over the last few years, including:
- The 2016 Houston floods
- The 2014 polar vortex
- The 2013 California wildfires
- The 2012 Hurricanes Isaac and Sandy
SERVPRO also understands how to work with insurance companies after a catastrophic loss. In fact, SERVPRO is a preferred vendor for many agencies.
SERVPRO Suggests Mitigation Measures
With its fast response, SERVPRO mitigates further damage to a building. However, the company also suggests that commercial property owners and managers take steps to minimize additional harm while they wait for SERVPRO to arrive at the scene.
For starters, everyone in your company should understand that water from a stream, river or creek is likely contaminated with bacteria or other harmful items. Only the professionals should touch this water and anything it contaminated. Food items, including canned goods, that contacted the water should be thrown out.
If it is safe to enter the property after the disaster, make sure to wear protective clothes and sturdy shoes. Wet cushions or upholstery should be removed for drying. You can also wipe away excess water on wooden furniture.
Hurricanes and other major storms can cause flooding in Northwest Las Vegas, NV. Meanwhile, dryness and heavy winds can lead to devastating wildfires. SERVPRO has experience with these and other types of natural disasters. The company can thus assist your clients following a catastrophic loss.
4 Tips for Handling a Toilet Overflow
Is a toilet overflowing something to be concerned about?
Is a Toilet Overflowing Something To Be Concerned About?
Isn't it as simple as grabbing some towels out of the closet or mopping up the mess? Homeowners in Northwest Las Vegas, NV, should be aware that it could be a sign of sewer damage which requires more intensive sanitation. Here are four tips to ensure you're caring for the discharge the right way.
1. Turn Off the Water
Black water is filled with microbes that you don't want lingering in your home. Therefore, when the spill comes from a sewer line, immediately shut off the water valves. This prevents additional contamination and minimizes destruction. If an obstruction is in the line, using any of the home's water utilities could become an issue, only pushing out more and more liquid. Thus, contact a water restoration and sewage company. Don't guess about why it happened. The source needs to be fixed.
2. Get an Inspection
When the crew arrives, the experts can evaluate the sewer damage, determining how far the fluid spread. This is used to determine what must be removed and what can be cleaned. Because fungus and bacterial spores are microscopic, they can easily absorb into porous objects. In fact, they love carpet and dry wall. Grout is even easy to sneak into. An invisible enemy, residents cannot see the true impact. Rather, specialized tests can be done to see the extent of penetration. Then, workers tear out anything heavily soiled.
3. Dry the Area
That flooded toilet brought high levels of moisture into your room. This humidity allows for spores to breed quickly, often within 24 to 48 hours. With this in mind, air out the space immediately. Industrial dehumidifiers suck up the excess, getting you out of the trouble zone.
4. Sanitize and Replace Materials
Finally, the sections can be sprayed with antimicrobial spray, killing off anything left. New items are installed, and normalcy is restored.
The commode is a vulnerable spot, permitting sewer damage when something blocks the flow. Remember to stop the stream, and then work on extricating and cleaning.
What You Should Do When Water Damages Your Company's Electronics
Turn off the switch or circuit breaker before unplugging the items
Ways to Restore Damaged Devices
When water damage occurs in your Las Vegas, NV, office, you may be worried about your computers and tablets. After all, they have numerous important documents stored within them. Flooded electronics can thus be costly for your business.
All hope is not lost, however. There are ways to restore damaged devices. Start by following the below steps.
1. Protect Yourself
Water and electricity do not mix. Avoid touching the wires or devices while wearing wet clothes or standing in water.
2. Turn Off Power
Any wired devices should be disconnected from their power sources as soon as it is safe to do so. Ideally, you should turn off the switch or circuit breaker before unplugging the items.
3. Beware of Hot Batteries
Battery-powered devices can be dangerous, too. Avoid touching devices that are smoking, bubbling, melting, or bulging, as these could be signs of a chemical or fire hazard.
4. Power Down and Shake the Device
If it is safe to touch the flooded electronics, power them down to avoid additional damage. Try shaking and rotating any damaged handheld devices to eliminate excess fluid. You should also remove the battery if you can.
Repairing Your Device
You may have heard that soaking wet devices in rice can save them from water damage. However, rice does not remove contaminants that may be present in floodwater. Instead, your best bet is having the circuit breaker thoroughly cleaned. This is a complex job that should be performed by electronic damage professionals.
These experts will start by soaking the logic board in alcohol for further cleaning. They can then use a soft brush to remove any debris. The professionals may also dry the circuit board with a desk lamp or hairdryer before putting the device back together.
Flooded electronics can still be salvaged. Just keep yourself safe and let restoration experts bring the devices back to life.
5 Steps in the Mold Remediation Process
The first step in remediation is testing for mold location and type
5 Steps in the Mold Remediation Process
For a business in Northwest Las Vegas, NV, any mold, including black mold, can cause a problem. When spores are suspected to be on the property mold remediation may be needed. Here are five steps you may see your local mold remediation service take during this process.
The first step in remediation is testing for mold location and type. If the spores are not visible or is spreading is suspected, the professionals working on the remediation can take are samples, materials samples, or surface samples using an adhesive strip. Testing will help determine if mold is present and what type they are dealing with.
Once testing is completed the team can begin assessing the damage and remediation needs. This will help them plan for any needed containment, as well as an estimate or what repairs may be required after the mold is removed.
Containing the affected area is the nest step. This will prevent any mold, including black mold, from spreading. Usually, this process involves the use of plastic sheeting, personal protective gear, and an exhaust fan to regulate airflow.
The next step in a mold cleanup in the removal of the mold spores. Once this is done the affected space can be thoroughly cleaned after which repairs can begin.
After all the mold is removed and the area thoroughly cleaned, repairs can be made. The team working on your remediation should be able to handle a variety of tasks from cleaning business items to replacing flooring.
When dealing with any mold, including black mold, on company property it’s recommended to call a professional. They can test for mold, assess the damage, and begin containing the affected area. Once the space is sealed to prevent spores spreading the remediation team can then begin removing the mold and make any necessary repairs.
Risks and Tips for Driving During a Flood
Avoid driving on a flooded street
When Mother Nature hits hard, traversing a flooded street should be carefully considered. While some situations may not allow for hunkering down, such as trying to get home or needing to pick up the kids, before hitting the road, safety should be the first consideration. Your home in Northwest Las Vegas, NV, can be restored by a flood remediation and restoration professional, but you are irreplaceable.
Water itself creates added risks on flooded roads. It only takes 6 inches of water to lose control of a vehicle and 12 inches for a vehicle to be carried away. There are also hidden dangers.
Power Lines: Downed lines can create electrical currents in the water.
Road Conditions: Water can hide roads that have been damaged or washed away, which could lead to being stranded.
Hydroplaning: Excess speeds can quickly make your vehicle lose contact with road surfaces.
Visibility: A flooded street can easily have debris and other obstacles that can’t be seen.
Tips for Traveling
If it is absolutely necessary to attempt driving in a flood, consider these travel tips before and during the journey.
Stay up-to-date on news reports.
Adhere to any barricades and find an alternative route.
If safe to do so, drive down the center of the lane, which tends to have more shallow waters.
Drive slow enough that the vehicle stays in first or second gear to better maintain control.
Steer clear of standing water, which could lead to vehicle damage and being swept away.
If necessary to cross standing water, try to verify the depth and drive through it slowly and steadily.
Gently test the brakes if water rises above the rims.
Don’t get distracted by your cellphone. Keep your eyes constantly on the road around you.
If a vehicle stalls and won’t restart, immediately exit the vehicle and move to higher ground.
Although there may be numerous reasons to get in your vehicle and attempt to drive down a flooded street, safety should always come first. If you must do so, the above tips can help you traverse the situation with a safety mindset.