Avoid Secondary Damage With Roof Tarping
Covering the damage caused by the fire on the roof with tarps or boards is critical to minimizing the damage and maximizing the claim.
Roof Tarping Can Help You Avoid Secondary Damage
If your North Miami Beach, FL, business has experienced fire damage to the roof, it is vital to begin fire cleanup as soon as possible. While waiting for a professional fire damage company to begin the cleanup, you still need to ensure your business is protected. Tarping or boarding up damaged areas offers numerous benefits.
Benefits of Tarp Services
A roof with an exposed area creates opportunities for secondary damage to happen. The sooner you get those areas covered, the better the chances of reducing the potential for another situation to happen. Below are three key benefits of tarping:
- Any hole in the roof means that excess moisture or critters have an opening to your business. If that happens, on top of fire cleanup, there will be additional items to repair that may quickly add up.
- Depending on the extent of the damage, it may be enough for a thief or vandal to gain entry into the business. The valuable equipment and other items necessary to keep your business running are then at risk of being stolen.
- Fire damage creates the potential for added risk to people as well. Tarping the roof also means that the damaged area has been assessed. This helps minimize the chances of an incident happening that the business owner would be liable for.
Effects on Insurance Claims
While insurance will likely cover roof repair, it won’t cover any secondary damage. Often, an insurance provider will require that temporary repairs or tarping be completed. Instead of risking getting less on the claim, it’s best to act fast and minimize damage.
After an incident, it may be easy to focus on the fire cleanup itself, but it's also important to consider what exposed areas may mean. Tarping or boarding up roof damage is essential to minimizing damage and maximizing the claim.
3 FAQs About Water in Your Basement and Insurance
Sometimes, a basement flood can be caused by groundwater seeping through the cracks in the foundation of your home in Hialeah Gardens, FL.
3 Frequently Asked Questions About Basement Water And Insurance
The last thing you want to experience is a basement flood, but you still need to be prepared for one. That means understanding what your homeowner's insurance will cover. Here are some frequently asked questions about water sources in your basement and your insurance company's response.
1. Is a Pipe Burst Covered?
Generally, a basement flood caused by a burst pipe falls under the sudden and accidental clause in your policy. This means your insurance will pay for water remediation professionals to dry out your home and fix the damaged flooring and walls. Additionally, your insurance coverage will typically pay for any damage in your basement if you live in a duplex and your neighbor's pipe bursts.
2. Is Damage From a Storm Covered?
Damage that comes from factors outside of your home is another thing. A standard homeowner's insurance policy typically does not cover damage from natural disasters, including hurricanes, thunderstorms, or blizzards. However, you can get a separate flood insurance policy to protect against this type of event. This can be added to your homeowner's insurance or purchased as a single option through another company.
Although they can be crucial, very few homeowners have flood insurance policies. Even though mortgage lenders only require flood insurance policies in high-risk areas, it is a good idea to have this no matter where you live. After all, flooding can occur anywhere.
3. Is Groundwater Seepage Covered?
Sometimes, a basement flood can be caused by groundwater seeping through the cracks in the foundation of your home in Hialeah Gardens, FL. The damage is generally not covered in these cases. This is because regular maintenance can often prevent groundwater seepage. Be sure to have your foundation inspected regularly and perform any recommended chores.
Since a flooded basement can occur in any home, it is important to understand what is covered by your insurance company. These frequently asked questions will give you a head start so you can find out what your policy covers.
How To Help Your Clients Navigate Storm Services
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How Can You Assist Your Clients With Storm Services?
When a storm occurs in a place like Biscayne Park, FL, your office is overwhelmed with calls about storm restoration. In order to satisfy your insurance clients, you have cultivated a list of preferred vendors in their area who you know will work well with their coverage options and provide effective services. But what sets one restoration team apart from another? Here are some ways to help your clients navigate storm services.
1. Choose Local Franchises
Encourage your client to choose a storm restoration company that is local but that has strong backing. After a storm, many local businesses and individuals will be seeking help, so it's important to choose a company that has the backing of a larger corporation to ensure that they will have access to the supplies that are necessary to help your client with their project.
2. Value Communication
Especially when making initial contact, the first impression is important. Only recommend a storm response team that has a proven record of answering customers' calls and communicating with them openly and honestly about the time frame for providing services. It's also necessary that a restoration team keeps good records throughout the entire project and initiates follow-up calls with your client. Your client should never have to wonder about the status of their restoration.
3. Trust the Training
Emphasize companies that have a background of training their staff completely before assigning them to flood damage restoration jobs. Anyone can run a shop vacuum or a pump, but your client is depending on you to help them find restorers who are knowledgeable and experienced when it comes to properly drying out a structure so that business can continue. A franchise that is required to meet corporate standards for each employee's training can more easily guarantee that any staff member they send to a site will represent that company well by providing superior services.
Be thoughtful and through when you advise your insurance clients about their options for storm restoration help in their area.
Storm Damage vs. Flooding: What You Should Know
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What You Should Know About Storm Damage vs. Flooding
If you're contemplating what insurance coverage you want to purchase for your business, it's helpful to understand the technical differences between flood damage and storm damage. Though the resulting damage to your property and its contents may be caused by water in both instances, your coverage will be determined by the source of the water damage and whether you have the right policy for the event.
Flooding happens for a variety of reasons, from the overflow of lakes, rivers and streams, water main breaks, storm surges or melting snow and ice. The rule of thumb to remember what constitutes a flood is that the water and resulting water damage must originate from ground level. The floodwaters seep into your building from the surrounding landscape or hardscape on the outside. Water damage caused by floods is only covered if you have a separate flood insurance policy, which is mandated by the government if your business sits in a flood zone.
Storm damage, on the other hand, encompasses damage caused by wind, hail, rain, or lightning. It includes water damage that happens as a direct result of rain, which often happens in conjunction with wind damage. For instance, if wind rips the shingles off your roof or causes trees to break through windows or the building, it can allow rain to get inside and damage the property, your furniture or equipment. Storm damage is covered under your commercial property insurance policy without any special rider.
Damage Repair and Cleanup
Knowing whether your water damage is caused by a flood or storm is necessary to determine your eligibility for coverage. Cleanup, repairs and remediation efforts can be quite expensive, so making sure you have the proper coverage ahead of time is vital to fully protect your business and commercial property.
Though water damage can disrupt your business and cause you a great deal of stress, understanding the difference between flood damage and storm damage will help you make the right decision when it comes to choosing a policy. Being confident about your coverage ahead of time will take at least some of the worry out of the equation.
Check Your Insurance Policy for Mold Coverage
Mold spores are everywhere, even if you can't see them. They are carried by wind and air currents and can enter buildings on clothing, shoes or pets.
Check Your Insurance Policy To See If You're Covered For Mold.
After a water-related event like a storm, pipe burst or fire, mold can begin to proliferate in your Bal Harbour, FL, building. Left unchecked, wet or damp surfaces may provide a breeding ground for mold within 24 to 48 hours. It's important to understand your commercial insurance policy to see if mold damage is covered.
Why Mold Is a Problem
Mold spores are everywhere, even if you can't see them. They are carried by wind and air currents and can enter buildings on clothing, shoes or pet fur. Spores will begin to grow in an environment with these conditions:
- Food source (organic material)
Building materials like wood, drywall, ceiling tiles and carpet provide food sources for mold, so once moisture enters your facility, it can begin to colonize and cause damage.
Commercial insurance policies differ in scope and size. Whether your policy covers mold damage depends on the language in your policy. It also depends on the source of contamination. The standard Insurance Services Office, or ISO, form contains a broad fungus exclusion. Mold is a type of fungus and falls under the exclusion.
There are three exceptions to the exclusion:
- If the mold results from fire or lightning
- If you have a specified cause of loss that results from mold
- Fungus that results from a specified cause other than fire or lightning (limited fungus coverage)
Under limited fungus coverage, the policy covers damage, repair and cleanup. It covers loss or damage if the mold results from a specified cause of loss. If your policy includes an endorsement for flood coverage, mold resulting from a flood is also covered.
To obtain mold insurance through limited fungus coverage, you must use reasonable means to preserve your property from further damage before and after the triggering event.
Limited fungus coverage can help pay for a professional remediation company to mitigate damage caused by mold. Check your commercial insurance policy for details.
3 Surprising Things About Commercial Roof Damage
Clear any rogue branches, mitigating the chance of harm. Older trees, especially, can be uprooted during a storm, wreaking havoc.
Commercial Roof Damage: Three Surprising Facts
The roof over your business works hard. How often do you check it? Roof damage can be discrete, so you should inspect it at least twice a year. If there is a weather event, that number should be ramped up. Read on for some surprising tips you may not have considered when looking to prevent storm damage to your commercial roof.
1. Small Rainstorms Can Cause Lasting Damage
It's a common misconception that roofing is only affected by large disasters. In fact, wind damage can occur in speeds of just 45 mph. That isn't typically thought of as intense, but it can cause minor wear to your roof that builds up over time. Similarly, light rain can cause issues if it is accumulating in places.
Following propery safety precautions, a property manager, or local roof damage specialist in North Miami Beach, FL, should do a thorough scan of the roof. Monitor for any of the following problem areas:
- Cracked shingles
- Peeling edges
- Broken flashing
Flashing is generally a strip of thin steel that is located near any surface perpendicular to the roofing, such as exterior walls, vents, or chimneys. Its purpose is to steer water away from these compromised places on your roof. Damage should be addressed promptly to prevent excess moisture.
2. Clogged Gutters Can Hurt Your Roof
Another tip to prevent roof damage is to regularly clear gutters. Clogged gutters can weaken the integrity of the materials, and it can back up water into places it shouldn't be. After all, the purpose of a drainage system is to drain this excess liquid. If left unkempt, water can erode your roof or even seep into your building. Eventually, you will need a roof rebuild.
3. Trees and Branches Should Stay Clear
Furthermore, when conducting a roof check, look out for any debris. This is usually caused by overhanging trees. Clear any rogue branches, mitigating the chance of harm. Older trees, especially, can be uprooted during a storm, wreaking havoc.
It's best to take care of any roof issues quickly. Failure to inspect, clean gutters, and clear debris can lead to long-lasting roof damage. Protect your commercial roof so it can continue to protect you.
Residential Recovery: How To React to a Sewage Backup
Is water damage present in your home? Call SERVPRO for all your restoration needs. Our crew is always available to take your call.
How To Recover Your Home After A Sewage Backup
Most people don’t give sewage much thought, but that all changes the moment it ends up on the floors of their homes. The problem could stem from a flooded toilet or even result from a full-blown sewer backup, but in any case, immediate action is necessary. Contaminated water is a risk to property and personal health in North Miami Beach, FL, and although there are steps you can take to mitigate damage, it’s often best to leave sewer cleanup to a professional restoration team. Here’s what you should know if you run into this type of home catastrophe.
The Do's and Don’ts
Walking into a room and finding a shallow pool of dirty water is enough to give anyone pause, but it’s crucial to take swift action to keep everyone safe. Before you call for reinforcements, consider these first steps:
- Do remove people and pets from affected areas and keep the areas clear of traffic.
- Do open windows to vent out fumes and circulate fresh air.
- Do outfit yourself with protective garments if possible, including rubber gloves and boots as well as eye and face protection.
It’s also beneficial to avoid these knee-jerk reactions when sewer cleanup becomes necessary:
- Don’t remain in the home or use appliances if the water has reached wall outlets or other electrical sources, as this is a major fire risk.
- Don’t utilize harsh chemical-based solutions to eliminate clogs, before or after flooding occurs.
- Don’t use running water in your home or attempt to flush toilets, which can make problems worse.
Make the Right Call
Unless you’re extremely confident in your capabilities, it’s smart to consult professionals when sewer cleanup is required. A sewer backup or badly flooded toilet introduces harmful microbes to the environment and can cause illness and lasting property damage if the right sanitization methods are not employed. If you’re a homeowner in North Miami Beach, FL, keep a qualified recovery team among your contacts for assured peace of mind.
4 FAQs About IICRC Certified Professionals
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4 Frequently Asked Questions About IICRC Certified Professionals
As a business manager, you can expect disaster restoration professionals with an IICRC certification to be experienced, skilled, and reliable. This organization holds industry professionals to the highest standards. Therefore, looking for professionals in Biscayne Park, FL, with this certification should be important for any business manager. However, many people want to know about the benefits of this certification.
1. What Is That Certification?
IICRC stands for the Institute of Inspection, Cleaning and Restoration. This is one of the most well-known organizations in the remediation industry. It is the leader in technological advancements and setting standards for professionals who work in restoration. Since this is a global organization, it is possible to find professionals almost anywhere who have this certification. For individuals to get an inspection, cleaning, restoration, or mitigation certificate, they must know the most advanced practices in the industry.
2. How Do Courses Improve Technicians’ Skill Levels?
Technicians with an IICRC certification must take multiple classes to develop and maintain their skills. For instance, a certified commercial drying specialist must take courses on administration and drying commercial structures, equipment, and fixtures. Additionally, many courses require pre-requisites to ensure the technicians understand a type of restoration before they can further their knowledge. Those who wish for many of the certifications related to moisture must first become certified water damage technicians.
3. What Do Certified Technicians Add to a Project?
Certified technicians provide the highest quality of service available. Those who have proper training understand the potential damage to your building from a disaster and the health hazards they need to handle while working. For instance, they know different microorganisms that could grow after water damage and which chemicals kill them. They also can differentiate between sanitary and contaminated water. This means you will get the proper remediation for your situation.
Business managers must ensure they hire restoration workers who are properly trained and certified. By looking for a team with this type of certification, you can ensure that your workers will be skilled and perform the job well.
3 Factors That Affect the Amount of Time Required for Mold Removal
Inspection for mold remediation and rebuild in a bathroom. The team of SERVPRO found moisture and mold build up in the ceiling of the bathroom.
Three Factors That Influence The Time It Takes to Remove Mold
Mold is prevalent in buildings of all kinds, including commercial ones. This is true even if it is not visible to the naked eye because its spores still float through the air. The pervasive fungus is capable of thriving in virtually any environment that is cool, damp and dark and grows on almost any substance. It also feeds off of nutrients in construction materials such as paper, wood and fabric, potentially leading to decay and compromised structural integrity in property over time. Black mold and other forms of mold growth also tend to negatively impact an establishment's image if in plain view of customers/clientele due to the negative connotation associated with its presence.
To avoid these consequences, owners of places overtaken by the invasive microbes may wish to hire a professional remediation service in Sunny Isles, FL, to handle the mold removal. As time is valuable in and out of the business world, it is important to understand how much of it might be taken up by the cleanup process and the factors affecting that amount.
Where the mold growth is located impacts how long the mold removal takes because some areas are more difficult to access than others, including:
- HVAC systems
- Under flooring
- Behind walls
- Beneath ceiling tiles
What it grows on can also complicate removal, lengthening how long the procedure takes. Porous materials such as concrete, fabric, insulation, drywall and particle board more easily collect and retain the moisture mold loves, attracting it. The fungus infiltrates and sticks to the many crevices and holes in these materials, making it harder to root out. In certain cases, they may have to be thrown out and completely replaced due to the difficulty involved in getting rid of it.
The size of the infestation correlates directly to the time necessary for completion. More mold takes more effort and more hours to remediate.
In general, mold removal may take between three and seven days, depending on the extent of the damage and the circumstances mentioned here. While mold cannot be completely erased, third party testing is a good method to determine if remediation is complete.
The Cooperative Efforts of Insurance Adjusters and Cleanup Companies
SERVPRO Franchise Professionals provide emergency water restoration services 24 hours a day, 7 days a week—including all holidays.
Insurance Adjusters And Cleanup Companies Working Together
When an emergency strikes in Miami Shores, FL, you'll get help from many different professionals. These rescuers could come in the form of firefighters or emergency response teams. They may even show up in the form of your insurance adjuster. Whether your basement is full of flood water or you just escaped a kitchen fire, a representative from your insurance company may be the person with the most influence over how soon you get your life back to normal.
The Role of Insurance Adjusters
After a fire, flood, or another disaster, contact your insurance adjuster as quickly as possible. Insurance companies offer many services in these situations.
• Advance funding for necessities
• Advice about how to proceed
• Recommendations for emergency response cleanup teams
• Investigation into damages and injuries
These professionals generally contact witnesses, the police, and emergency officials. Their work is primarily investigative but should result in a fair settlement for your insurance claim.
Many adjusters have preferred fire and water clean-up companies with whom they like to work. SERVPRO is often recommended because of the company's history of working closely with insurance companies. SERVPRO teams are trained to work efficiently with homeowners and insurance representatives.
The Role of Cleanup Crews
Clean-up technicians arrive on the scene to give the homeowner reassurance, to prevent further damage, to report to adjusters, and to make a plan of action for the rest of the cleanup and recovery. These professionals often provide a 24-hour response, conduct loss assessments, and maintain complete files for the homeowner and insurance companies. From time to time, these cleanup and restoration crews will work with other service providers in the area. This willingness to coordinate means that best practices can be maintained, and insurance companies can keep a close eye on progress.
When your life is put on hold because of fires or flooding, dealing with paperwork and claims can be frustrating. It helps when your Miami Shores, FL, cleanup company and insurance adjuster are familiar with the other and able to cooperate efficiently.