‘I’ve Have Water Damage In My Home, What Does Insurance Cover?’
There is no such thig as a small disaster when it comes to your home. Most homeowners and businesses have never considered the possibility of water damage affecting your property and if it happens it can be overwhelming. While each loss is unique and homeowners and businesses need to consult their insurance policy or agent for actual coverage guidelines these scenarios are a guide to help property owners know what questions to ask.
- Roof/Water Damage Due to Storms
The critical thing to remember for most insurance policies is maintenance. If your roof has been well maintained and does not show neglect generally your policy should cover all damage incurred by the storm.
Normally you homeowner’s policy should cover the loss in the event of an appliance such as a dishwasher or washing machine overflowing. Again, if the appliance shows signs of obvious neglect you may have issues with your insurance company. Inspect all cords and hoses on your appliances regularly and if they show signs of wear have them replaced.
- Flooding from Natural Disasters
Flood damage can be the most confusing of all water damage in your home. Flood damage is not covered by your standard homeowners policy and a separate policy needs to be purchased. A general rule of thumb is if any water touches the outside/ground before entering the property it will be considered flooding and not covered unless you have purchased flood insurance. Please remember just because your home is not in a flood plain does not mean you can not experience flooding. Flood damage can occur not only from hurricanes or overflowing rivers but over-saturated grounds from heavy rains.
If a pipe bursts in your home due to freezing temperatures cause water to leak into your home most polices cover this type of loss. Again, if the loss is due to negligence such as as property that is unoccupied without heat. The insurance company may not cover.
Again, this is just a guideline and each homeowners policy is different so if you have questions please contact your insurance agent. If you have experienced a loss, please call the experts at SERVPRO of Lexington/Thomasville. With national agreements with hundreds of insurance carriers SERVPRO is a trusted leader in water cleanup and restoration.
What is that Smell?
A couple of days ago you noticed a little water in your basement. You cleaned up the water and went on with your day. But now you walk into your basement and are hit with a musty smell and you wonder where is that smell coming from? Did you know one of the easiest ways to determine if a home or business has a mold problem is by smell? The odors released by a microbial contamination problem is a musty or earthy smell. And mold growth can happen in as little as 48 hours after water damage has occurred.
If you are experiencing a musty smell in your home or business it could be a sign of undetected water damage causing mold to growth. If you think your home or business might have an issue with mold contact the experts at SERVPRO of Lexington / Thomasville. Our certified mold experts will come to your home or businesses and we will examine your structure for any visible signs of mold. And in the event mold is found techs are ready to clean the affected area and get your home or business back to preloss conditions.
We care about your home, health and safety so let the experts at SERVPRO assist you in make your home or business loss “Like it never even happened.”
Staying Safe During Thunderstorms
Watching a good storm can be an entertaining summertime activity.
Few things grab our attention like a thunderstorm. Steamy temperatures and turbulent atmospheric conditions often conspire to produce amazing visual pyrotechnics and house-shaking booms. Thunderstorms occur when cold upper air descends and warm, moist air rises. When these air masses collide, they form thick cumulonimbus clouds, often referred to as 'thunderheads.' Thunderstorms may begin and end in an instant, or several storms may string together to make thunder and lighting clusters. While thunderstorms can occur during any time of the year, they're more likely to occur in spring and summer. According to a NASA study, the most intense and powerful thunderstorms occur in the eastern part of the Andes mountains in Argentina. But strong thunderstorms can occur just about anywhere moisture, unstable air and lift (from sea breezes or mountains) causes air to rise up. Thunderstorms have the potential to cause significant damage and injuries, most notably from lightning strikes. It's always wise to seek shelter during a thunderstorm so you are protected from lightning, falling limbs from trees and hail, which often accompanies thunderstorms. Despite thunderstorms' harmful potential, they can be very enjoyable to watch or chase. But storm spectators should keep these tips in mind.
Watch thunderstorms from the safety of indoors. It may be tempting to be out in the storm, but if you head outside during a storm, you are risking injury or even death. Consider watching a storm from the comfort of inside a garage, where you can leave the door open and see, hear and smell the storm while it comes through.
Keep flashlights or candles handy. Strong storms can knock out power. Always have a backup light source readily available in case the power goes out. Also, you may need a battery-powered radio or a charged mobile phone at the ready to keep up on storm alerts.
Keep pets in an interior room so they do not get too spooked. Thunderstorms frighten many animals, so pets should not share in your storm-watching endeavors. They may injure themselves trying to escape the noise. It's best if pets are kept in a quiet, dark space until the storm has ended.
Steer clear of standing bodies of water. Downed power lines may leach electricity through puddles, potentially causing electrocution if people are standing in puddles. Do not touch any wires that seem suspicious. Water is an easy conduit for lightning, so avoid any bodies of water during a thunderstorm.
If you're caught in a thunderstorm and don't have indoor shelter, do not seek shelter under trees, which can attract lightning strikes. Accuweather.com advises that people who cannot find reasonable shelter after a storm should take steps to minimize their risk of being struck or injured. Crouch as low to the ground as you can, but do not lie down on the ground or put your hands down. Stay on just your feet to cover as little ground as possible. You also want to be as low as you can to reduce your risks of being a lightning target. Keep anything that is a good electrical conductor away from you. Summer weather is bound to include some thunderstorms. Where there is thunder, there's lightning, and remember to stay safe by watching these storms from a distance and making smart choices.
Cleaning and Maintaining Carpeted Floors
Addressing stains quickly can prevent a stain from permanently soiling a carpet.
Much like paint, carpeting can quickly transform the look of a room. Carpeting can be a durable flooring material, but it will need upkeep to look its best. Carpeting that will be in high-traffic areas, such as halls and entryways, may require the most TLC. Routine vacuuming is necessary to dislodge dust and dirt particles. But at some point a more thorough cleaning may be necessary. Vacuuming Frequent vacuuming will prolong the life of the carpet by preventing a buildup of particles inside of the carpet fiber that can eventually cause friction and sever carpet fibers. Use of a crevice tool and other attachments can enable cleaning in the corners where the carpet meets baseboards and moldings. When vacuuming larger rooms, divide the room into separate areas and tackle each area separately before moving on to another portion of the room. Take time when vacuuming carpet. Plush carpets will trap dirt more easily than a thinner or less dense carpet, so more passes of the vacuum might be necessary. Overlap strokes in a crisscross pattern to get at dirt at different angles. Pet hair and vacuumed particles of food can create odor inside of the vacuum bag. Treating spills Spills are one thing that homeowners in carpeted homes may fear. If not addressed quickly, liquid or food may permanently damage a carpet. It is recommended to manage a spill as soon as it happens to reduce the possibility that it will contribute to a permanent stain. Carefully blot up the spill until much of the offending item is removed before adding any type of cleaning agent. Test the cleaning product in an inconspicuous area prior to using it on the spill to ensure it will not damage or discolor the carpet. Work from the outside of the stain and move inward to keep the stain from spreading outward. Use a plush, white towel to blot up any remaining moisture and spill. The towel also will help to fluff up the pile of the carpet. Remove shoes Dirt and germs can be tracked into the house on the bottom of shoes. Eventually this material can be deposited on carpets, which then becomes lodged inside the fibers. To reduce the amount of dirt tracked in, make it a rule to take off shoes upon entering the house. If pets are the culprits of tracked-in dirt, keep a towel by the door and wipe the animal's paws before allowing it to roam through the house.
If the carpet is stained beyond what you think you can do yourself contact the experts at SERVPRO of Lexington/Thomasville. Our trained professionals are experts on stain removal.
Promote Fire Safety Around the Home
Smoke alarms are a vital part of home safety
In the classic film "The Wizard of Oz," Dorothy famously uttered the phrase, "there's no place like home." Now, several decades later, that sentiment remains very dear to people's hearts. While homes are sanctuaries for many people, a home can be dangerous. According to the National Fire Protection Association and average of 7 people die every day in fire related accidents in the home. Home fire deaths from fires in which no smoke alarms were present, or in which smoke alarms were present but did not operate, accounted for 60 percent of all home fire deaths. Smoke alarms were lacking in 37 percent of home fire deaths, and at least one alarm was present but non-operational in 23 percent.
Having properly maintained equipment is critical in preventing loss of life.
* Fire extinguisher: This can be kept on hand for minor fires.
* Smoke alarm: These alert to the presence of smoke, which could be indicative of a home fire.
* Carbon monoxide alarm: These alarms are a necessity to detect carbon monoxide, a colorless, odorless gas that can cause death if inhaled in high amounts. Carbon monoxide alarms are frequently installed by furnaces and bedrooms.
* First aid kit: A medical kit will have all of the supplies necessary to treat minor injuries.
* Fire escapes: Those who live in multi-level homes can invest in retractable ladders that attach to windows and provide an emergency point of exit. Accidents around the home are prevalent but often preventable.
Having the proper fire safety equipment in place in your home is critical in protecting your family. And remember while a fire in your home can be devastating, belongings can be replaced; especially when you trust your loss to the experienced team of SERVPRO of Lexington / Thomasville.
Trust Is They Key In Water Restoration
You’re at work battling through the million things you have to do before you get home when you get a call from your neighbor. Water is pouring out from under your front door; a pipe burst, causing a massive amount of flooding throughout your home.
What do you do?
Feeling overwhelmed and confused is natural in a situation such as this and knowing whom you can trust is critical when trusting someone with your home and possessions. SERVPRO of Lexington/Thomasville is a trusted leader in restoration and is a preferred vendor for many national and local insurance companies. Our certified water technicians will start you on the road to recovery with our 24-hour emergency services and explain each step of the way.
Our advanced training and equipment help us to remove water quickly preventing additional damage. Our documented dying process is designed to restore your home and property to preloss conditions when possible and replace only when necessary saving you both time and money.
If your home or business experiences a water loss get professional assistance from SERVPRO of Lexington/Thomasville. (336) 224-2565
The Real Story About Mold
This mold on the ceiling was the result of a clogged ac unit.
The U.S. Environmental Protection Agency notes that there is no practical way to eliminate all mold and mold spores in an indoor environment, including a home. But by controlling moisture in their homes or apartments, men and women can control indoor mold growth. One way to do just that is to prevent condensation in a home by adding insulation. In addition, clean building materials or furnishings that become wet as promptly as possible, and no more than 48 hours after the items have become wet. Those with compromised immune systems can be more affected. If you think your home or business has been affected by mold, having a trusted professional such as SERVPRO of Lexington/Thomasville as a resource is important. With our highly trained technicians and no cost assessments calling us at 336-224-2565 is the start of getting your home or business back to preloss conditions.
Spring Cleaning is Just Around The Corner
Spring cleaning is a ritual that many people participate in as the last vestiges of winter disappear. Spring cleaning is a time to open windows, deep clean rooms, and closets and take down and launder window treatments and linens. Others use spring cleaning as a time to sort and donate or discard clutter that might have accumulated over the winter. Even though spring cleaning seems like a modern invention, the act of spring cleaning is believed to have originated centuries ago. Some say that the ancient Chinese cleaned in preparation for their New Year as they hoped to wipe away any bad luck and misfortune from the previous year. Similarly, the ancient Hebrew practice of thoroughly cleansing a home before the springtime feast of Passover may have evolved into the spring cleaning we know today. Another possible connection is the tradition of "shaking the house clean" in Iran. Iranians celebrate Now Rouz (Persian New Year) with many different rituals, one of which involves buying new clothes and cleaning every corner of the family home to signify renewal.
If you need help with your spring cleaning contact the experts at SERVPRO of Lexington / Thomasville. We can assist you with your duct cleaning, carpet and upholstery cleaning, odor removal or biohazardous cleaning.
Facts About Mold
The U.S. Environmental Protection Agency notes that there is no practical way to eliminate all mold and mold spores in an indoor environment, including a home. But by controlling moisture in their homes or apartments, men and women can control indoor mold growth. One way to do just that is to prevent condensation in a home by adding insulation. In addition, clean building materials or furnishings that become wet as promptly as possible, and no more than 48 hours after the items have become wet. Mold produces allergens and irritants, and inhaling or touching mold or mold spores can trigger allergic responses such as sneezing, runny nose, red eyes, rashes on the skin, and even fever-like symptoms. If you or any of your family are experiencing these symptoms you may want to have your home inspected for possible mold damage.
Our professionally trained technicians are trained in mold remediation and will examine your home for any visible signs of mold and clean the affected areas safely. Give SERVPRO of Lexington / Thomasville a call at 336-224-2565 for your no cost assessment.
Commercial Loss In Your Business
From a broken sprinkler in an office building to faulty wiring in an apartment complex fire and water losses are never planned but knowing who to call can be. At SERVPRO of Lexington /Thomasville we understand there are no such things as small emergency in your business or commercial property. Knowing the professionals at SERVPRO are there for you 24 hours a day to manage your loss and get your doors back open as quickly as possible is a critical part of your business plan.
Our technicians undergo extensive training and can handle any size loss your business may experience and our fast response time can help reduce loss revenue because we understand for every hour your doors are closed in an hour of loss revenue and productivity.
The Restoration Process
You have received a call at 2 am stating the sprinklers went off in your businesses, what do you do? You call the experts at SERVPRO and we can take it from there.
We will secure the site and assess the water damage
• Begin water extraction procedures immediately
• Remove carpet pads if necessary
• Take steps to prevent the growth of mold and mildew
• Set up fans and dehumidifiers to begin the drying process
• Assess all machinery, computers, personal belongings, furnishings, and other movable items to see if they need to be restored, cleaned or replaced. Our goal is always to restore rather than replace thus saving you time and money
We’ll get you back in business as quickly as possible. If a disaster should strike, whether a tornado, hurricane, fire or a simple sprinkler head break, SERVPRO is here to help.