Recent Posts

Broken Pipe and Water Damage Example

5/11/2020 (Permalink)

Broken Pipe and Water Damage Example

Another example is if something that happened gradually, like a broken pipe, or a broken water tank, or a washing machine breaks due to (unexpected) wear and tear. The actual pipe itself, or washing machine will not be covered. However, the resulting damage from the sudden breakage may be.

What Does the Term "Resulting Damage" Mean in Insurance?

The resulting damage is a different than the initial damage. For example, if water damage resulting from a broken pipe, or appliance is listed in your wording as covered, then you may be compensated for a portion of the damages caused even though the deteriorated pipe replacement or a new appliance would not be covered. This is an example the cause of the damage not being covered, but the resulting damage being covered.

https://www.thebalance.com/how-to-handle-water-damage-claims-3860314

SERVPRO of Grand Prairie is here for all of your mitigation needs.

How to Avoid Having a Water Damage Claim Denied

5/11/2020 (Permalink)

How to Avoid Having a Water Damage Claim Denied

  • Maintain records of repairs and the professionals you have hired over the years to do maintenance. This may become very important in the event of a loss, and is good practice to keep as a homeowner.
  • Make sure you understand all the coverages on your policy, and have a good understanding of the exclusions, as well as your responsibilities as a homeowner.
  • Do regular maintenance of your home every spring and fall to avoid surprises. Small repairs regularly will avoid large expenses.
  • Make sure you purchase the best insurance for your needs and inquire about extra coverages you can add that may be useful to you.

https://www.thebalance.com/how-to-handle-water-damage-claims-3860314

 SERVPRO of Grand Prairie is here for all of your mitigation needs.

Dry Out Your Area

5/7/2020 (Permalink)

Dry Out Your Area

 If flood or storm water has entered your building, dry it out as soon as possible. Follow these steps: • If you have electricity and an electrician has determined that it’s safe to turn it on, use a “wet dry” shop vacuum (or the vacuum function of a carpet steam cleaner), an electric-powered water transfer pump, or sump pump to remove standing water. If you are operating equipment in wet areas, be sure to wear rubber boots. • If you do not have electricity, or it is not safe to turn it on, you can use a portable generator to power equipment to remove standing water. Note: If you must use a gasoline-powered pump, generator, pressure washer, or any other gasoline-powered tools to clean the area, never operate the gasoline engine inside an enclosed or partially enclosed structure, even if the windows and doors are open. Such improper use can create dangerously high levels of carbon monoxide and cause carbon monoxide poisoning. • If weather permits, open windows and doors to aid in the drying-out process. • Use fans and dehumidifiers to remove excess moisture. Fans should be placed at a window or door to blow the air outwards rather than inwards, so not to spread the mold. • Have your office heating, ventilating, and air-conditioning (HVAC) system checked and cleaned by a maintenance or service professional who is experienced in mold clean-up before you turn it on. If the HVAC system was flooded with water, turning on the mold contaminated HVAC will spread mold throughout the office. Professional cleaning will kill the mold and prevent later mold growth. When the service determines that your system is clean and if it is safe to do so, you can turn it on and use it to help remove excess moisture from your office.

https://www.ada.org/~/media/ADA/Member%20Center/FIles/office_cleanup.pdf?la=en

 SERVPRO of Grand Prairie is here for all of your restoration needs.

Be Proactive with Tornado Damage Insurance

5/7/2020 (Permalink)

Be Proactive with Tornado Damage Insurance

Tornadoes can appear from any direction and may or may not be accompanied by hail, lightning, thunder, and rain. The most dangerous aspect of the tornado is its force and sudden appearance, destroying property with little warning.

Because of this, being prepared, not only for the safety of your family but in the type of insurance you have, will make a significant difference on how you come out from these dramatic weather situations.

Make Your Tornado Insurance Checklist

Create a basic checklist of things you can do in advance to prepare yourself so you can prevent damage, and increase safety in the event of a tornado. The idea is to prevent injury and damage on or to your property, as well as to ensure that if you have to make a claim that you get the best possible settlement.

In terms of cost, you may also consider changing your home's insured value.

https://www.thebalance.com/home-and-car-insurance-for-tornado-damage-4026154

 SERVPRO of Grand Prairie is here for all of your restoration needs.

How to Protect Your Home Against Flooding

5/7/2020 (Permalink)

How to Protect Your Home Against Flooding

Protecting Your Home Against Water Damage from Flooding

Short but intense rain storms and flash flooding have become a growing concern in many areas. Flash floods happen as a result of too much rain hitting the ground too quickly for the ground to absorb. This is especially true when the ground is still frozen or too dry. Floods can also happen because the ground is too saturated with rain to hold any more water.

Flash floods don't just occur out in the country. Runoff from urban buildings, parking lots, and streets can overwhelm municipal storm water sewers. In some instances, there's so much water in the sewers that the pressure can blow off manhole covers at the bottom of hills. Even worse, it can back up sewage into your basements through household sanitary pipes. Even if your home is sited on a hill, heavy rain storms can also leak water into your basement, possibly damaging your possessions and your home's foundation as well. Fortunately, you can prevent the water damage that floods can cause your home.

https://www.directenergy.com/learning-center/weather-readiness/prepare-your-home-against-floods

SERVPRO of Grand Prairie is here for all of your restoration needs.

Prevent House Fires

4/20/2020 (Permalink)

Prevent House Fires

Keep the stove and oven clear.

Kitchens are the most common places for house fires. To prevent kitchen fires, don’t leave anything flammable near the stove or oven. Make sure curtains don’t hang over the stove, and never rest towels or a cookbook on the stove top. Keep oven and stove cooking surfaces clean and free of debris, especially if heating elements are exposed. 

Stay in the kitchen.

Don’t leave a hot cooking surface unattended. Whether it’s a pot on the stove or an electric griddle, you need to be close by. If you have to leave the room, take the pot off the stove or turn off the griddle first. Make sure pot handles are turned inwards at all times so they can’t accidentally be bumped and splatter grease.

https://www.safewise.com/home-security-faq/prevent-house-fire/

SERVPRO of Grand Prairie is here for all of your restoration needs.

Furnishings and Carpets

4/15/2020 (Permalink)

Furnishings and Carpets

Remove all furniture, bedding, and carpeting to outdoors to be cleaned and dried (or discarded).

  • Flooded carpets and rugs are best replaced since flood water may contain contaminants. Flooded carpet pads should always be discarded and replaced.
  • Remove water-logged rugs, carpets, and pads within 48 hours after flooding subsides.
  • If salvage is attempted, spread out rugs and carpets outdoors. Hose off. If soiled, professionally clean or work in carpet shampoo with a broom. Rinse well with a solution of 1 gallon water and 2 tablespoons liquid household chlorine bleach to sanitize (if colorfast). If carpet is wool, do not add bleach.
  • Dry the carpet and subfloor thoroughly as quickly as possible. If carpet is installed damp, it can mildew.
  • Carpet might shrink, but a professional may be able to stretch it.
  • All upholstered furniture and mattresses contaminated by flood water should be discarded. If an upholstered furniture piece is valuable, the stuffing and upholstering will need to be replaced.  Solid wood, metal and plastic furniture may be cleaned and restored.  Hose off any mud, clean, sanitize and let dry completely out of direct sunlight.

https://agrilifeextension.tamu.edu/solutions/water-damage-restoration-clean-up-checklist/

SERVPRO of Grand Prairie is here for all of your restoration needs

Tile and Sheet Flooring

4/15/2020 (Permalink)

Tile and Sheet Flooring

  • If a submerged wood subfloor swells or separates, flooring will need to be removed. (Asbestos tiles should be removed only by a trained professional.)
  • If the subflooring is concrete, removal of the floor covering will hasten drying of the slab, but it might not be necessary if it would ruin an otherwise unharmed material.
  • If water has seeped under loose sections of sheet flooring, remove the entire sheet. Ease of flooring removal depends on the type of material and adhesive. Contact a reputable dealer to find out what product and technique (if any) will loosen the adhesive.

Cleaning Wall Finishes, Woodwork, & Floors

To reduce mold and damage, clean and dry as soon as flood waters recede. Do not sand or scrape lead-based paint. Use a phosphate-free, all-purpose, or disinfecting cleaner. Wash from top to bottom. Rinse with clean water.

  • One-half cup of household chlorine bleach to a gallon of water can be used on nonmetallic, colorfast surfaces as a disinfectant (to kill surface mold and bacteria) after cleaning, but it will not prevent new mold growth on materials that stay damp.
  • Dry thoroughly and quickly. If the utilities are on, use the air conditioning or heater, fans, and a dehumidifier or desiccants to speed drying.

https://agrilifeextension.tamu.edu/solutions/water-damage-restoration-clean-up-checklist/

SERVPRO of Grand Prairie is here for all of your restoration needs

When Does an Insurance Company Cover Gradual Damage?

4/15/2020 (Permalink)

When Does an Insurance Company Cover Gradual Damage?

This is where things get tricky. You can figure out what an insurance company will and will not cover based on the policy wording. Your insurance advisor, agent or broker is the best person to review the exact details of your wording with you. You will have to review the exclusions of your policy as well as the type of coverage you have. 

Water Damage Exclusions on Home Insurance

All insurance policies exclude wear and tear, and gradual damage, however, there may be some "exceptions".

https://www.thebalance.com/how-to-handle-water-damage-claims-3860314

 SERVPRO of Grand Prairie is her 24 hours a day 7 days a week 365 days a year for all of your restoration needs.

Common Questions: What Water Damage Is Covered by Home Insurance?

4/7/2020 (Permalink)

Common Questions: What Water Damage Is Covered by Home Insurance?

There are some common questions people ask about what their homecondo or renter insurance covers, for water damage, here are a few of the most common questions:

  • Is a water leak covered by home insurance?
  • Is a leaking toilet covered by insurance?
  • Is water damage from a leaking roof covered by insurance?

The answer to whether these are covered or not depends on the source of the damage, the type of policy you have and if the water damage is accidental and sudden or gradual.

Gradual damage water damage is not usually covered, so although your policy might have water damage coverages, if the reason for the damage is not sudden and accidental, then you may be denied in a claim. 

https://www.thebalance.com/how-to-handle-water-damage-claims-3860314

 SERVPRO of Grand Prairie is here for all of your restoration needs.