4 Home Owners Insurance Terms You Need to Know

9/5/2022 (Permalink)

Owning your own home can be a rewarding experience, but it can also be expensive. Not only do you have to constantly maintain your home, but there are risks you can't control, such as flooding and fire. For this reason, if you own a home, you need homeowners insurance, which will cover some or all costs of covered disasters. To better protect your home, check out these four insurance terms you need to know.

1) Peril
A peril is anything that could risk damage to your home, and it's one of the main reasons to have homeowners insurance because the insurance company may pay some or all repairmen/replacement costs. Not all perils are included in most homeowners insurance policies. In general, however, they cover the most common types of perils, such as theft or fire.

If you live in an area with frequent flooding, you may be able to purchase additional insurance to protect against flood damage. Most general policies exclude flood damage unless the damage was sudden and unexpected, such as a new washing machine that fails and floods your laundry room.

2) Catastrophe
Flood insurance is actually a type of catastrophe insurance. A catastrophe is a disaster (man-made or natural) that causes significant damage. It can be one major event or a handful of events that devastate your property. Catastrophes are not usually covered under your standard insurance policy, but they may be necessary if you live in an area with lots of earthquakes, flooding, tornadoes or hurricanes.

Catastrophe insurance comes in many forms. If you really want to protect everything you own from flooding or terrorist attacks, you can get a policy that will cover the property and everything inside. For a cheaper premium, however, you can also choose a policy that only covers the house and nothing inside.

3) Actual Cash Value
When your insurance carrier reimburses you, they may give you the actual cash value (sometimes referred to as market value). This will provide money to repair or replace the damage after considering depreciation. For example, if your deck is destroyed, but it was getting old anyway, the insurance carrier will take the age into account. In other words, they may not give you enough to actually cover the total replacement.

If the deck was brand new, however, there is less depreciation, so you may not have to pay any out-of-pocket expenses. In this case, the insurance carrier would give you the replacement value. Regardless of what type of coverage you have, however, they will only provide money for similar materials and quality. You can't have the insurance carrier replace your damaged asphalt roof with a tile shingle roof.

4) Exclusion
Every insurance policy has exclusions. Exclusions are disasters and instances when the insurance carrier will not reimburse you. Exclusions usually include any damage that was related to maintenance issues or damage that was easy to control. Even if you take great care of your home, parts need to be replaced. Insurance will not cover these routine repairs.

In most cases, the policy will have an actual section detailing all the exclusions (all-risk policies), so you can immediacy know what is and what is not covered. A peril-specific policy, which only covers a handful of disasters, will list what is covered. Anything else is considered an exclusion.

Don't gamble with your property by neglecting to purchase or have enough homeowners insurance. It can be the difference between losing your home and repairing it after a disaster.

Long Term Effects of Storm Damage

8/17/2022 (Permalink)

What You Need to Know About the Long-Term Effects of Storm Damage

Do you think that post-storm water damage dries without help? If you do not treat this potentially serious issue immediately, take a look at what you need to know about the long-term effects of water damage.

Flooring Failure

Water that seeps into your home and floods your flooring can sink through carpets and padding. The result is a damp rug that is slow to dry. But what happens if the rug feels dry to the touch?

In some cases, you can dry and restore storm-damaged or flooded carpeting. This does not mean you should attempt to save your carpets without help. Failure to properly dry the carpets or the padding underneath can cause additional problems for what lies underneath.

Your regular home vacuum can't pull water from under the carpet's surface. Likewise, a fan or other type of similar drier will not reach beneath into the padding. This means what may feel like a completely dry carpet can hide a wet, moldy, or dirty pad. If you have wood flooring under your carpets, a damp pad could cause serious damage over time.

The longer the moisture sits on the wood floor, the more likely the cellulose fibers in the material will soak up excess water. This can warp the wood and cause permanent damage. While other types of flooring, such as tile, may not warp, the constant presence of water can still cause problems.

To prevent warping and other related issues, contract a professional storm damage restoration company as soon as possible. If you do wait, the professional may still have ways to treat the area and restore your home's flooring.

Faulty Furniture

Your flooring is not the only part of your home that is subject to the long-term effects of storm-related water damage. If water sits on your furniture, it can also cause permanent damage. The type of damage your furniture sustains after a flood or storm depends on what it is made from.

Hard, non-porous plastic surfaces are relatively easy to clean and dry. Provided no evidence of mold growth or bacterial contamination exists, you can wipe the item with your choice of household cleaner and dry it with a towel. But if the furniture in question is made of wood or is upholstered, you will need a professional restoration expert's help.

What happens if you wait to call this professional? Like with carpeting, the water could soak through upholstered items and into the padding underneath. This can result in internal mold growth or damage wooden support frames. This destroys the integrity of the item and can cause complete failure.

Again, like with wood floors, wooden furniture can soak up water and warp. Water can also cause spotting on the surface or swelling. Even though the initial water damage may have happened days or weeks ago, a storm damage professional may still have the ability to restore these items.

Weak Walls

Water damage can extend from the floors and furniture to the walls of your home. Like with other types of water damage, the longer moisture sits on your walls, the higher the likelihood that your home will have permanent problems such as mold growth, warping, or other similar issues.

Like with flooring, a dry wall surface does not always mean everything underneath is free from moisture too. Long-term water exposure can result in seepage through drywall or plaster. The underlying wood and other building materials can warp or rot. This can cause serious or extensive structural issues. A restoration professional can evaluate the situation and create a treatment plan.

Toilet Overflow

8/17/2022 (Permalink)

Overflowing toilets are every homeowner’s worst nightmare. The mess and odors can be extremely stressful and overwhelming. That is why SERVPRO of Northwest Genesee County are here to help!

A toilet overflow usually occurs when a blockage prevents water and waste from flushing down the toilet drain. This backup prevents water and waste from flowing down the drain and causes your toilet to overflow. If it's not cleaned up quickly, it may cause extensive water damage to your bathroom floor or even leak through the ceiling below. Other common causes of overflowing toilets are sewage backups, septic tank issues, low flow toilets and malfunctioning plumbing.

If your home has water damage from toilet overflow, call SERVPRO of Northwest Genesee County. We are ready 24/7 - 365

What is The Difference Between a CAT I, II, and III Loss?

7/21/2022 (Permalink)

CAT I

A category I loss is when the water is coming from a clean water source and will not cause harm if inhaled or ingested. Examples of this would be a broken supply line or a tub overflow.

CAT II

A category II loss is when the water poses a minimum threat. For example, a toilet overflow with only urine or a dishwasher overflow. 

CAT III

A category III loss involves water that is highly contaminated and may contain pathogenic, toxigenic, or other harmful agents. For example, water containing silt, pesticides, toxic organic substances, or metals, are all CAT III losses. 

SERVPRO Professionals are highly trained for any category of water loss you may have. Our team is ready and available day or night, 24/7. 

SERVPRO Products

7/21/2022 (Permalink)

SERVPRO technicians have been developing and cleaning with the most advance products around. For over 50 years SERVPRO has been at the forefront of extreme fire and water disaster clean ups and restoration. In addition to offering our Certified SERVPRO Cleaned program, where our franchises perform a professional pathogen cleaning on your site, we are now proud to offer SERVPRO's certified disinfectant, SERVPROXIDE. This single product kills most viruses and bacteria and has an extremely low EPA toxicity rating, making it safe for everyday use.

SERVPROXIDE vs COMPETITION

SERVPROXIDE

-kills 99.999% of bacteria

-Requires no dilution

-Non bleach formulated

-No harsh chemicals or fumes

-NSF certified (safe around food)

-Lowest toxicity rating by EPA. 

COMPETION

- Kills 99.999% of bacteria

The facts speak for themselves. Add this to your daily cleaning protocol today!

The SERVPRO ERP Plan

7/7/2022 (Permalink)

When disaster strikes your business, having a plan in place ahead of time for what you will do can make all the difference in whether your business survives the event. The majority of businesses that come out stronger on the other side of an emergency are the ones that pre-planned for one. That’s where SERVPRO’s Emergency Ready Plan (ERP) can help give you, your employees and customers peace of mind. You can trust that whatever might happen to disrupt daily business will only be temporary. With our Emergency Ready Plan, your business will be able to minimize interruption because you’ll know what to do and what to expect if any-sized disaster strikes. This is important to timely mitigation and can help minimize how water and fire damage can affect your business.

Small Appliance Fires

6/24/2022 (Permalink)

There are a myriad of things that can cause house fires. It can seem impossible to prevent all the fire hazards in your home. Smaller appliances such as toasters, space heaters and dehumidifiers can pose great risks if not properly used, maintained and monitored.

-Be sure to check the appliance regularly. Any irregularity in the unit or the power cord could be a potential fire hazard. 

-Be sure that the wall outlets you are plugging your appliance into are working properly. If you notice any flickering lights or sparks shut the power off and contact an electrician. 

-Unplug the appliance when not in use. An unused toaster sitting on the counter can easily be accidentally turned on.

-Make sure the appliance is far away from any potential fire hazard such as blankets, papers or even water which can cause the unit to spark. 

Many appliances have safety features on them that are supposed to shut the unit off when they tip over or malfunction in some way but this is not fool proof. Never leave them running unattended.

How We Handle Mold

6/13/2022 (Permalink)

Mold remediation is a process in which we take very seriously. Here is a look at our step-by-step process that we take.

• It begins with initial contact from a customer requiring emergency services.
• An assessment of damage and inspection is required.
• Next, we take control of the mold so it doesn't spread.
• Then air scrubbers are used to further stop the spread.
• Removal of mold and infested materials is a priority.
• We clean any belongings affected by the mold.
• And lastly, we restore anything that has been damaged from the mold infestation. 

Mold is not something you should just set aside and deal with later. If you think you have mold in your home or business call SERVPRO of Northwest Genesee County. 

Long-Term Effects of Storm Damage

5/27/2022 (Permalink)

Do you think that post-storm water damage dries without help? If you do not treat this potentially serious issue immediately, take a look at what you need to know about the long-term effects of water damage.

Flooring Failure

Water that seeps into your home and floods your flooring can sink through carpets and padding. The result is a damp rug that is slow to dry. But what happens if the rug feels dry to the touch?

In some cases, you can dry and restore storm-damaged or flooded carpeting. This does not mean you should attempt to save your carpets without help. Failure to properly dry the carpets or the padding underneath can cause additional problems for what lies underneath.

Your regular home vacuum can't pull water from under the carpet's surface. Likewise, a fan or other type of similar drier will not reach beneath into the padding. This means what may feel like a completely dry carpet can hide a wet, moldy, or dirty pad. If you have wood flooring under your carpets, a damp pad could cause serious damage over time.

The longer the moisture sits on the wood floor, the more likely the cellulose fibers in the material will soak up excess water. This can warp the wood and cause permanent damage. While other types of flooring, such as tile, may not warp, the constant presence of water can still cause problems.

To prevent warping and other related issues, contract a professional storm damage restoration company as soon as possible. If you do wait, the professional may still have ways to treat the area and restore your home's flooring.

Faulty Furniture

Your flooring is not the only part of your home that is subject to the long-term effects of storm-related water damage. If water sits on your furniture, it can also cause permanent damage. The type of damage your furniture sustains after a flood or storm depends on what it is made from.

Hard, non-porous plastic surfaces are relatively easy to clean and dry. Provided no evidence of mold growth or bacterial contamination exists, you can wipe the item with your choice of household cleaner and dry it with a towel. But if the furniture in question is made of wood or is upholstered, you will need a professional restoration expert's help.

What happens if you wait to call this professional? Like with carpeting, the water could soak through upholstered items and into the padding underneath. This can result in internal mold growth or damage wooden support frames. This destroys the integrity of the item and can cause complete failure.

Again, like with wood floors, wooden furniture can soak up water and warp. Water can also cause spotting on the surface or swelling. Even though the initial water damage may have happened days or weeks ago, a storm damage professional may still have the ability to restore these items.

Weak Walls

Water damage can extend from the floors and furniture to the walls of your home. Like with other types of water damage, the longer moisture sits on your walls, the higher the likelihood that your home will have permanent problems such as mold growth, warping, or other similar issues.

Like with flooring, a dry wall surface does not always mean everything underneath is free from moisture too. Long-term water exposure can result in seepage through drywall or plaster. The underlying wood and other building materials can warp or rot. This can cause serious or extensive structural issues. A restoration professional can evaluate the situation and create a treatment plan.

Spontaneous Combustion From Improper Grease Rag Disposal

5/18/2022 (Permalink)

Did you know that a grease rag thrown into a waste basket can catch on fire?  

"Spontaneous combustion of oily rags occurs when rag or cloth is slowly heated to its ignition point through oxidation. A substance will begin to release heat as it oxidizes. If this heat has no way to escape, like in a pile, the temperature will rise to a level high enough to ignite the oil and ignite the rag or cloth"

Fires that ignite in this manner can spread quickly to other combustibles and cause great loss.  

To prevent this from happening, you need to dispose of the rags in a metal container with a proper sealing lid. Fill the container with water and close the lid. This step prevents the oils from oxidizing. 

If your home or business has a fire, call SERVPRO of Northwest Genesee County today!