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When can you claim for water damage coverage on home insurance?

4/7/2020 (Permalink)

When can you claim for water damage coverages on home insurance?

Water damage is one of the most common causes of home insurance claims. According to ISO, water damage claims are the second largest frequent insurance claim, following wind and hail damage. Claims due to water damage impacts 1 in 50 homeowners each year. It's no wonder people have a lot of questions about water damage, what is covered under your homeowners insurance, and why things, like "gradual damage" are not covered. Things get even more complicated when we look at the exceptions.

There are many types of water damage that may be covered or excluded on a home policy such as: 

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

SERVPRO of North Arlington is here for all of your restoration needs. 

Use generators and other electrical equipment safely

4/6/2020 (Permalink)

Use generators and other electrical equipment safely.

  • Talk to your utility company about using electrical equipment, including power generators. Be aware that it is against the law and a violation of electrical codes to connect generators to your home’s electrical circuits without the approved, automatic-interrupt devices. If a generator is on line when electrical service is restored, it can become a major fire hazard. In addition, the improper connection of a generator to your home’s electrical circuits may endanger line workers helping to restore power in your area.
  • All electrical equipment and appliances must be completely dry before returning them to service. Have a certified electrician check these items if there is any question. For more information, see Protect Yourself and Others From Electrical Hazards After a Disaster.
  • Never use a generator, pressure washer, or any gasoline-powered engine inside your home, basement, or garage or less than 20 feet from any window, door, or vent. Visit Preventing Carbon Monoxide Poisoning After an Emergency for more information.

https://www.cdc.gov/disasters/floods/after.html

SERVPRO of South Arlington is here for all of your restoration needs.

How to proceed when your home floods

4/6/2020 (Permalink)

Let’s look more closely at how to proceed when your home floods.

Prevent Mold Damage Aside from the immediate loss of personal property to water damage, there is secondary damage to consider. Mold is a huge problem after a flood—and not just the type of mold that you might find in a damp basement. Toxic mold or black mold can have long-term effects on your health. To avoid mold issues, you’ll need to do two things: keep areas that flooded as dry as possible and treat potential problem areas with a strong cleaner, like a bleach solution. FEMA also has some helpful instructions on dealing with mold and mildew after your home floods.

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

SERVPRO of South Arlington is here for all of your restoration needs. 

Repair and protect your home's exterior

4/6/2020 (Permalink)

Repair and protect your home's exterior

  • Caulk and seal windows to 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.

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

SERVPRO of South Arlington is here for all of your restoration needs. 

Tornadoes can occur at any time of the year.

4/3/2020 (Permalink)

Tornadoes can occur at any time of the year.

In southern states, peak tornado occurrence is March through May, while peak months in northern states are during the summer.

Tornadoes are most likely between 3 and 9 p.m. but have occurred at all hours.

Watches Versus Warnings

Many confuse the meaning of a tornado "watch" and tornado "warning" when they are issued by the National Weather Service.

Watch: Tornadoes are possible in your area. Remain alert for approaching storms.

Warning:A tornado has been sighted or indicated by weather radar. If a tornado warning is issued for your area and the sky becomes threatening, move to a pre-designated place of safety.

Fujita Tornado Intensity Scale

  • F0:Gale tornado (40 - 72 mph). Light damage.
  • F1:Moderate tornado (73 - 112 mph). Moderate damage.
  • F2:Significant tornado (113 - 157 mph). Considerable damage.
  • F3:Severe tornado (158 - 206 mph). Severe damage.
  • F4:Devastating tornado (207 - 260 mph). Devastating damage.
  • F5:Incredible tornado (26 1- 318 mph). Incredible damage.

About 70 percent of tornadoes are weak and last between one and 10 minutes.

About 10 percent of tornadoes are strong and last 20 minutes or more. 

Only two percent of tornadoes are considered violent. They cause the most deaths and can last for well over an hour.

https://www.virginiadot.org/travel/tornadoes.asp

SERVPRO of South Arlington is here for all of your restoration needs.

Let’s look more closely at how to proceed when your home floods.

4/3/2020 (Permalink)

Let’s look more closely at how to proceed when your home floods.

Evacuate the Premises
If a burst pipe or sewage leak is the issue, evacuate the premises and find a dry, safe spot outside of your home. It may be as close as the backyard or as far as the home of a neighbor or friend. Make sure that everyone—kids, pets, friends who may have been at the house—is accounted for and unhurt. In the case of a natural disaster, locate a temporary shelter, either by asking authorities or listening to the local news. Get everyone relocated to the shelter as soon as possible.

Call for Help
Once your family members—both two-legged and four-legged—are on dry ground, call for help. If anyone needs medical attention, call 911. No matter what’s going on with the flooded house, the damage has already been done, and your focus simply must be on you and your loved ones’ well-being. After you’ve verified that everyone is safe and well, you can make calls to the proper parties to get the recovery process underway.

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

 SERVPRO of South Arlington is here for all of your restoration needs.

When you first reenter your home:

4/3/2020 (Permalink)

When you first reenter your home:

Try to return to your home during the daytime so that you do not have to use any lights. Use battery-powered flashlights and lanterns, rather than candles, gas lanterns, or torches.

  • If you have standing water in your home and can turn off the main power from a dry location, then go ahead and turn off the power, even if it delays cleaning. If you must enter standing water to access the main power switch, then call an electrician to turn it off. NEVER turn power on or off yourself or use an electric tool or appliance while standing in water.
  • Have an electrician check the house’s electrical system before turning the power on again.

https://www.cdc.gov/disasters/floods/after.html

SERVPRO of South Arlington is here for all of your restoration needs.

How to Deal with Residential Water Damage

3/6/2020 (Permalink)

How to Deal with Residential Water Damage

 Clean up debris.Be careful, as there could be nails and other materials left behind by the flood water.

  • Mud left behind by floods often contain a significant amount of toxins. Shovel out as much mud as possible, and spray down your walls with clean water. Make sure to check for mud in air ducts, as it will be hazardous when it dries.
  • Snakes and rats may seek shelter in your home after a flood

Allow appliances to air dry. Do not use any appliances or outlets until they have had enough time to completely dry. Check with each manufacturer for recommended action.

https://www.wikihow.com/Deal-with-Residential-Water-Damage

 SERVPRO of South Arlington is here for all of your restoration needs.

WHAT TYPES OF STORM DAMAGE ARE EXCLUDED FROM HOME INSURANCE COVERAGE?

3/6/2020 (Permalink)

WHAT TYPES OF STORM DAMAGE ARE EXCLUDED FROM HOME INSURANCE COVERAGE?

 EARTHQUAKES

Damage caused by an earthquake or earth movement is typically not included in homeowners coverage. However, earthquake insurance may be available as a separate policy. An agent can tell you if this coverage is available in your area.

FLOOD

Homeowners insurance does not cover flood damage, whether it's caused by a rain storm or overflowing river. Talk to an agent about whether flood insurance, which is sold separately, makes sense for you.

Homeowners insurance may offer protection and peace of mind in a number of situations. While you can't control the weather, having home insurance in place may help you recover after a storm.

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

  SERVPRO of South Arlington is here for all of your restoration needs.

Floods

3/6/2020 (Permalink)

Make sure that everyone is out of danger of new flood crests, fire, and falling buildings. Assume flood water and flooded materials are contaminated.

  1. Flood Insurance Claims

If you have flood insurance, contact your insurance adjuster immediately.

  • Begin cleanup, salvage, and drying as soon as possible. Do not wait for adjuster. Take photos for use as an inventory. All steps suggested on this page can be taken before an adjuster arrives.
  • Clean house so the adjuster can see the damage.
  • Keep damaged materials for proof of loss.
  • Leave a phone number where you can be reached when the adjuster arrives.
  • The adjuster will assess damages to the house. The owner should sign a proof of loss statement. Additional damage can be added when found.

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

SERVPRO of South Arlington is here for all of your restoration needs.