Recent Posts

Does Homeowners Insurance cover storm damage?

5/14/2021 (Permalink)

Homeowners insurance may help cover certain causes of storm damage, including wind, hail and lightning. However, damage caused by flood and earthquakes typically is not covered by a standard homeowners insurance policy. It's important to read your policy to learn what types of storm damage may or may not be covered.

Water and Ice damage

Whether it's a thunderstorm in the spring or a roof covered in ice, water can damage a home. While ice and hail damage are typically covered by homeowners insurance — up to the limits stated in your policy — coverage for water damage varies, depending on the cause.

Lightning strikes and power surges

 Should lightning strike your home or other structure covered by your policy, the resulting damage, such as fire or smoke damage, is typically covered by homeowners insurance. Some policies also provide coverage for power surges and outages that are the result of a lightning strike, such as damaged electronics or appliances. As with any coverage, limits will apply. 

https://www.allstate.com/tr/home-insurance/homeowners-insurance-cover-storm-damage.aspx

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

Significant Damage water leaks – Home is being destroyed

5/13/2021 (Permalink)

  1. Turn Off Water in Home– Locate your water meter and turn off the water to prevent any more flooding than what has already occurred. If you cannot turn off the water by yourself, contact a plumber immediately to help you turn it off.
  2. Document Damage– Document the damage the water has done to your home. If possible, try to take photos and/or videos of the damage before you undertake any clean-up efforts.
  3. Call Insurance Company– It is important to notify your insurance company within a reasonable amount of time after the leak so that they are aware of the issue and can take action to help you.
  1. Identify Source of Damage – Try and identify the source of the leak yourself, if possible. However, if you are unable to identify the source of the leak, you may need to call a plumber.
  2. Fix Issue that Caused Leak – If unable to fix yourself, a plumber may need to be called.
  3. Remediate Other Issues – It may be necessary to call a contractor to help eliminate mold and mildew or to repair damaged drywall. However, do not make permanent repairs before you have approval from your insurance company! If you do not wait for approval, you may not be compensated for repairs.

https://wateruseitwisely.com/what-to-do-when-you-have-a-water-leak/

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

What should I do after my house is damaged by a storm?

5/13/2021 (Permalink)

Federal Assistance

The Federal Emergency Management Agency provides a variety of assistance to victims of storm damage. You can get help with temporary housing, with repairs, with meals for your family and with filing insurance claims. Contact the FEMA branch in your area. If the storm damaged many homes in your area, a FEMA representative may be traveling through your neighborhood or available at a local temporary FEMA office. So talk to your local representative for assistance.

Documenting damage

You'll need to document the damage that has been done by the storm as soon as possible, particularly if your homeowner's insurance only covers certain types of damage. Take photos of the damage, and be sure to document any potential problems, such as mold, crumbling drywall or exposed power lines. It's a good idea to have pictures on file of the normal state of your house. So if you're concerned about a storm that hasn't hit yet, take photos both before and after the storm.

https://homeguides.sfgate.com/should-after-house-damaged-storm-58794.html

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

Inspect your roof

5/13/2021 (Permalink)

Examine your building’s roof for damage after storms, or annually in regions that are less prone to storms. Replace any worn materials or other weak areas to ensure that leaks don’t occur during future storms. Check flashing (a type of sheet metal used for waterproofing) and gutters, and clean out any debris that may be blocking drainage. Remove branches or leaves that may have accumulated during prior storms.

 Install impact-resistant windows

Impact-resistant glass has been specially treated to help prevent shattering and to provide an extra barrier to safeguard your building from severe weather. While it’s still possible for it to break, it’s less likely to shatter completely, offering better protection from flying glass and debris during a hurricane or hailstorm.

Secure equipment and valuables

If you live in an area prone to strong winds or hail, keep an eye on the weather forecast so that you can protect your valuables before a storm hits. Ensure any high-value items are in a safe and secure area, stored up high and away from windows. Any outdoor equipment should be securely fastened so it’s not lost or turned into a projectile during a storm.

https://www.insureon.com/blog/how-to-protect-your-business-from-wind-hail-damage

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

Assess what type of water leak you have

4/9/2021 (Permalink)

Non-Damaging – But Costly

These types of leaks, while inconvenient, do not cause much significant damage to your home. Instead of costing you damage to your home, they will most likely cost you more time, energy, and money to resolve. Consider the last time you saw a sprinkler spouting straight up into the air as opposed to watering the grass or the last time you went into your bathroom to hear the toilet running even though it hadn’t been used recently.

 Minimal Damage – But will worsen over time

Minimal damage leaks may not look like a huge issue at first, but if left unattended to, will result in more significant damage in the future. These leaks often go unnoticed, such as a leak in your wall, a leak in a faucet or shower, or a drip from an appliance. Occasionally, these leaks occur in more dangerous areas of your home, such as in a boiler or a hot water heater.

Significant Damage – Home is being destroyed – Act now

Hopefully, a leak in your home never falls into this category, as these leaks can cause a great deal of harm upon your home. Significant damage leaks are fairly easy to identify, as your home is most likely being flooded with water. Leaks such as burst and frozen pipes have the potential to result in this type of leak that requires immediate attention.

https://wateruseitwisely.com/what-to-do-when-you-have-a-water-leak/

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

How to Avoid Having a Water Damage Claim Denied

4/9/2021 (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 restoration needs.

Preventing water damage at your business

4/8/2021 (Permalink)

Insulate exposed pipes

When temperatures drop during the winter, especially at night, exposed pipes are vulnerable to freezing. Plummeting temperatures or cold drafts can freeze water inside a poorly insulated pipe, creating pressure and ultimately causing the pipe to burst. A broken pipe can lead to costly flooding or even structural damage.

The best way to prevent frozen pipes is to ensure they’re insulated. Most hardware stores carry pipe insulation. The more insulation you use, the better protected your pipes will be.

Keep heat at sufficient levels

To prevent pipes from freezing, you’ll want to keep an eye on your business’s thermostat. Make sure the thermostat is never set lower than 50 degrees – even on weekends or when the building is vacant. Avoid significant changes between nighttime and daytime temperatures, which increases the risk of your pipes freezing. In addition, be sure to regularly replace batteries in thermostats to ensure they’re operating correctly.

https://www.insureon.com/blog/tips-for-preventing-water-damage-at-your-business

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

Prep your home for a Hurricane

4/8/2021 (Permalink)

Stock up on plywood

Plywood is an affordable solution to protect windows without shutters from airborne projectiles. You can stock up on plywood to prepare for the next storm. “Always make sure the plywood you purchase complies with any state inspection standards,” said Frank Klavon, president of Glass Doctor in Fort Lauderdale, Florida. “Once you have the plywood in hand, you’re ready to start boarding up your windows on the exterior side of your house … during hurricane season, plywood supplies go fast, so be sure not to wait.”

Seal windows & doors

Leaky windows and doors can let in water, so make sure your windows and doors are properly sealed. This can also make your home more energy efficient.

https://www.usatoday.com/story/money/personalfinance/2017/07/15/9-affordable-ways-prep-your-home-hurricane-season/472268001/

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

Before a Fire

4/8/2021 (Permalink)

Create and Practice a Fire Escape Plan

In the event of a fire, remember that every second counts. Escape plans help you get out of your home quickly. Twice each year, practice your home fire escape plan. Some tips to consider when preparing this plan include:

  • Find two ways to get out of each room in the event the primary way is blocked by fire or smoke.
  • Make sure that windows are not stuck, screens can be taken out quickly and that security bars can be properly opened.
  • Practice feeling your way out of the house in the dark or with your eyes closed.
  • Teach children not to hide from firefighters.

Smoke Alarms

A working smoke alarm significantly increases your chances of surviving a deadly home fire.

  • Replace batteries twice a year, unless you are using 10-year lithium batteries.
  • Install smoke alarms on every level of your home, including the basement.
  • Replace the entire smoke alarm unit every 10 years or according to manufacturer’s instructions.
  • Never disable a smoke alarm while cooking – it can be a deadly mistake.

https://www.ready.gov/home-fires

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

Remove and Toss Damaged Porous Materials

4/7/2021 (Permalink)

Remove and Toss Damaged Porous Materials

Porous materials include carpet, insulation, fabric, and similar items. If they've been soaked in water, you may have to cut them out and throw them away. Water will permanently damage most porous materials by shrinking or warping them, and mildew will damage them even further. And if you have a beloved piece of furniture you want to save, you could try isolating and drying it out, but the damage may already be done, especially if you see drywall water damage. Note that unsealed cement, drywall, and wood are also porous materials.

Disinfect Remaining Materials

When damaged components have been removed, disinfect the whole area before you begin working. The most common choice is a bleach solution, but there are a number of homemade options you can choose from. Lightly spray and wipe down the area before you start water damage repair to help make sure no mold spores linger

https://www.familyhandyman.com/list/12-tips-for-water-damage-repair/

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