Recent Posts

How Flood Insurance Works

3/1/2021 (Permalink)

A type of catastrophe insurance, a flood insurance policy is different than the basic hazard insurance coverage contained in a homeowners insurance policy. Standard homeowner’s insurance covers interior water damage, due, say, to a burst pipe, or weather events like tornadoes and rainstorms. However, it generally doesn't cover destruction or damage caused by floodwaters. Property owners who live an area prone to this sort of natural disaster usually need to get special coverage.

Flood insurance basically works just like other insurance products: The insured (the home- or property owner) pays an annual premium based on the property's flood risk and the deductible he or she chooses. If the property or its contents are damaged or destroyed by flooding caused by an external event (rain, snow, storms, collapsed or failed infrastructure), the homeowner receives cash for the amount of money required to repair the damage and/or rebuild the structure, up to the policy limit. Unlike a standard homeowner’s policy, flood insurance requires that a policyholder buy separate policies to cover a dwelling and its contents. A separate coverage rider is needed to cover sewer backup if the backup was not caused by the rising floodwaters.

Flood insurance policies are available for all homes and commercial properties.

https://www.investopedia.com/terms/f/flood-insurance.asp

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

Repair and protect your home's exterior

3/1/2021 (Permalink)

  • Caulk and seal windowsto guard against water seepage.
  • Inspect your roof for missing, damaged and aging shingles and make necessary repairs.
  • Check your downspouts. Remove debris that may have accumulated in downspouts and rain gutters. Position downspouts so that they direct water away from the house.
  • Check sprinklers and irrigation systems to be sure they are not creating water damage to the walls and foundations of the house. Turn off and drain outside faucets to protect against frozen pipes.
  • Install gutter guards to prevent gutter clogs and keep water flowing away from the house instead of accumulating on the roof.


Protect your possessions

  • Store off-season and other bulk belongings in waterproof bins, especially in areas where there are plumbing pipes or that are prone to dampness, such as basements and attics.
  • Never store valuables or memorabilia where there is risk of destruction from water. Water and damp also brings with it the threat of mold damage.
  • Keep belongings stored on shelving off the floor in basements. In case of water seepage or sewer backup, they're less likely to get damaged.
  • Keep an up-to-date home inventory. Having a comprehensive list of your possessions will save time, trouble and stress in case of loss from water damage.

https://www.iii.org/article/how-protect-your-home-water-damage

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

Removing smoke odor from the household textiles

3/1/2021 (Permalink)

Smoke odor could remain in clothing, upholstered furniture, carpets and draperies unless it is properly deodorized. Professional fire restorers and some dry cleaners use a deodorizing process that actually breaks up the smoke molecule to eliminate the odor. This deodorization process is called the Ozone treatment. The ozone treatment produces an oxidizing agent that creates the same sweet smelling air associated with a rain storm. The ozone treatment can be done by a professional fire restorer at the home with an ozone generator. Sometimes household textiles are deodorized in an ozone room. If the process is done at home, clothing, upholstered furniture and other textile items are put under a tent while the ozone generator is operating. Clothing and other textile items should be deodorized before they are cleaned; otherwise, the smoke odor could be set in the fabric.

Household deodorizing products are temporary relief methods. Deodorizing with perfumes, aerosol sprays, and disinfectants generally only mask the smoke odor. The smoke odor will still remain after the spray or perfume evaporates. In addition, deodorizing sprays may interact with smoke odor and create an additional odor.

https://extension.missouri.edu/publications/gh145

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

Dry the floor & Replace Laminate

2/12/2021 (Permalink)

Dry the floor naturally and slowly with fans and plenty of airflow through the space. Open windows and doors (unless the outdoor air is more humid than the indoor air), and run fans to move air through the space. For example, place a box fan in a large window or door opening so the fan blows out, then open windows and/or doors on the opposite side of the space to allow fresh air in. This provides cross-ventilation to move the moisture out.

Laminate flooring can have a similar appearance to solid hardwood or engineered hardwood, but it is not the same material. The majority of a laminate flooring plank is made with wood pulp, much like particleboard or MDF medium-density fiberboard). This material is highly vulnerable to water damage and swells when it gets soaked, ruining the integrity of the material. Most laminate flooring that is water-damaged must be replaced.

https://www.thespruce.com/how-to-save-water-damaged-wood-floors-1821661

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

Shelter Size

2/12/2021 (Permalink)

The amount of floor area per person that your shelter must provide depends partly on the type of windstorm the shelter is intended to protect you from. Tornadoes are not long-lasting storms, so if you are relying on your shelter only for tornado protection, you will not need to stay in the shelter for a long time. As a result, comfort is not of great concern, and a shelter that provides about 5 square feet of floor area per person will be big enough. When the shelter is intended to provide protection from storms such as hurricanes, which can last up to 12 hours, the comfort of the occupants should be considered. For this type of shelter, the recommended amount of floor area per person is about 10 square feet. Necessities, such as water and toilet facilities, should be provided. The shelter designs in this booklet are based on a maximum floor area of 64 square feet and a maximum wall length of 8 feet. A shelter of that size used for hurricane protection can accommodate up to six people in reasonable comfort. If you plan to build a shelter with any wall longer than 8 feet, consult a licensed professional engineer or architect.

https://www.fema.gov/pdf/library/ism2.pdf

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

Causes of Water Damage in Insurance: What's Covered?

2/12/2021 (Permalink)

If water damage is sudden and accidental, there's a good chance you are covered by most standard home insurance policies.2

Depending on the type of insurance policy you have, you might have coverage for damage caused by water. Some basic water damage coverage is included in a standard home policy like an HO-3; other sources of damage might not be covered unless you add an endorsement to your policy.3 It really depends on the type of home, condo insurance or renters insurance you have. Your standard homeowner policy will include:

  • Damages caused by the weight of ice, snow or sleet. This can cause roof collapse or water damage, among other problems.
  • Discharge and overflow of water, even if it is an accident.
  • Tearing apart, cracking, burning or bulging of a steam or hot water heating system. 
  • Freezing of plumbing and pipes.

Some policies may contain exclusions for coverage of freezing of pipes if you left your home unheated during the heating season or if you did not shut off the water when you went away.2 These types of clauses are specific to various insurance companies so just be sure and ask before you plan to be away from your home for any length of time.

https://www.thebalance.com/sewer-backup-overflow-water-damage-4103166

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

Remove water from wood floors

2/11/2021 (Permalink)

The sooner you can attend to your wet floors, the better. Wood's cellulose fibers rapidly soak up water but release that water more slowly. Therefore, you should start pulling off the water with your shop vacuum as soon as possible. Even if you believe your wood floors are so well-finished that water cannot penetrate to the raw wood, think again. Wood floors have many infiltration points besides the top layer: between seams, through breaks in the coating, under baseboards, through heating registers, and a host of other areas.

The secret to preventing mold and mildew growth is the same as with carpeting: Eliminate the dirt. It's not just water that causes mold and mildew; it's the combination of water and dirt.

https://www.thespruce.com/how-to-save-water-damaged-wood-floors-1821661

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

How to handle water damage to your business

2/11/2021 (Permalink)

Plumbing leaks

The average for leaks from bathroom fixtures exceeds $10,000. Plumbing leaks average $17,000. Water can damage walls, floors, and ceilings; ruin carpeting, furniture, and other home furnishings; destroy electronic equipment; and cause mold to grow. Beyond the mess, inconvenience and expense, dirty water and mold can cause health problems in people exposed to them.

In addition to getting a damage restoration company involved quickly, one insurer recommends the following steps to take if a plumbing fixture, appliance or roof spring a leak:

  • Shut off the main water valve if the water is flowing from a pipe.
  • Turn off electrical power and gas supplies when a major water event occurs.
  • Do not use electrical appliances on wet surfaces.
  • Turn on fans to circulate air.
  • Mop or dry the area quickly.
  • Move wet property to dry locations.
  • Remove wet-area rugs, but leave tacked-down carpeting in place.
  • Clean your wet clothes.
  • Wipe excess water off of furniture and other belongings.
  • Be on the look-out for sharp debris, snakes, rodents and other critters.

 https://www.lmcins.com/blog/how-to-handle-water-damage-to-your-home-business

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

Sewer or Water Backup Coverage — Home Insurance Claims

2/11/2021 (Permalink)

Sewer backup describes what happens when water comes up or is pushed into your home through the pipes from sewer or drainage systems. It is a very unpleasant type of water damage because it often involves dirty water from the sewers that will not only destroy your personal property but can also impact your health because it's so unsanitary. 

Most people don't know a lot about sewer backup coverage if they've never had to make a claim. Sewer backups can cause thousands of dollars in damage. The Civil Engineering Research Foundation indicates that the rate of sewer backup incidents is increasing at a rate of 3 percent a year, so this is one coverage you don't want to do without.

https://www.thebalance.com/sewer-backup-overflow-water-damage-4103166

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

What to do first

2/10/2021 (Permalink)

Even small fires can cause severe damage and be extremely costly. That is why it is wise to contact the appropriate individuals to help you. If you have insurance, contact your insurance agent for suggestions and advice. If you rent your dwelling, the owner should be notified as soon as possible so that you can both assess the damage.

Consider contacting a professional fire restorer. They deal with problems similar to yours every day. If your insurance agent doesn't suggest someone, look in the yellow pages of the telephone directory under "Carpet and Upholstery Cleaners" or "Fire and Water Damage Restoration". Keep in mind most professional fire restorers will travel a certain distance to restore fire damaged property. Inquire about the experience the fire restorer has had and, if possible, secure some references of persons they have served. Usually, the professional fire restorer can provide helpful hints to prevent further damage, determine which items can be refurbished and estimate the cost of deodorizing and cleaning your home. Hiring a professional fire restorer can be costly, but the best way to remove smoke odor and soot is with the appropriate equipment and appropriate chemicals.

https://extension.missouri.edu/publications/gh145

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