Recent Posts

Important Issues With Mold Insurance Claims

5/22/2022 (Permalink)

Cracked wall covered with black mold. Mold damage in Porter, TX.

Important Mold Insurance Claims Issues

Business owners and managers need to keep a close eye on their commercial insurance coverage. It is an ongoing battle to make sure the policy covers what it should and that premiums are not too high. To accomplish this, those in a position of authority should look at their policies at least once a year, especially in regard to gaps in coverage and too dangerous exposures to lawsuits. Mold insurance claims can be an area that requires constant monitoring. The insurance provider should be able to recommend coverage that makes sense in this regard. Some companies might need more coverage than others when it comes to mold issues.

Liability
A commercial property in Porter, TX, that has mold could be sued for liability. While there are many gray areas related to mold insurance claims, it is a serious issue for a company. The following business models are at a higher risk for liability lawsuits as a result of a mold claim:

  • Apartment complexes
  • Office buildings
  • Leased buildings
  • Multi-unit properties

Managers should always take mold issues seriously. Failure to act swiftly and responsibly could lead to an adverse judgment in a liability case.

Property Damage
Because a mold outbreak can cause significant property damage, mold remediation should start as soon as possible. A local mold mitigation team can arrive at a property quickly and recommend the best course of action. This is often the surest way to avoid lawsuits. It is also an excellent way to minimize damages as a result of a mold outbreak. Technicians can perform a variety of vital actions, including testing, containment, removal and restoration. In certain cases, commercial insurance does cover the cost of cleanup and repair for mold mitigation services. Business owners should learn as much as possible about minimizing mold insurance claims.

Responsibility After a Rental Property Fire

5/17/2022 (Permalink)

Apartment building on fire Apartment fire in Atascocita, TX.

After a Rental Property Fire, Who Is Responsible?

After a rental property fire, there is sometimes confusion about who is responsible for paying the cost of damages. Each situation is unique, but there are some underlying factors that help determine responsibility.

1. Who Caused the Apartment Fire?
If it has been determined that a tenant caused the fire, they are responsible for paying the landlord for many of the building's repair costs. If the fire was not caused by a tenant, the landlord's insurance policy will cover the renovation costs of the building structure. In this scenario, tenants may opt for terminating their lease if the property is totally destroyed.
In some instances, tenants have the ability to end their lease ahead of time even if the building isn't completely ruined. The landlord may agree instead to cover the cost of a temporary relocation until the building has been renovated after an apartment fire.

2. What Insurance Coverage Has Been Obtained?
Landlords in Atascocita, TX, must purchase a landlord insurance policy to pay for fire damage to the building. This insurance typically covers such things as:

  • The building structure itself
  • Any property that is stored for contractors, such as equipment and materials
  • Appliances and furniture supplied by the landlord

Unfortunately, the landlord's insurance policy will not cover any possessions lost by the tenants during an apartment fire. This makes it essential for your tenants to work with their insurance agent to purchase a renter's insurance policy ahead of time. It is also a good idea to require tenants to obtain this insurance before the lease is signed, or at the very least to sign a statement showing they understand the rules. This will help to alleviate any potential problems down the road.
In addition, it's a good idea to research fire restoration services ahead of time so that renovations can begin as soon as possible.
Protect your investment during a devastating fire with a comprehensive insurance policy.

3 Tips for Creating a Business Inventory for Your Insurance

4/25/2022 (Permalink)

Notebook with the phrase INVENTORY SYSTEM  and three pencils A simple inventory list can make a big difference when filing an insurance claim for your business in Crosby, TX.

Tips On Creating Your Inventory List

Today, technology has made creating a business inventory easier than ever. Smartphones and tablets have brought the tools you need to your fingertips. A simple inventory list can make a big difference when filing an insurance claim for your business in Crosby, TX. It will prevent you from having to try to recount all of your equipment and belongings to an insurance agent. This means you can spend your time focusing on choosing a disaster remediation company. This is especially helpful if your business has been around for a while and accumulated many things. Here are some tips on creating your inventory list.

1. Make a Video
An insurance claim can result in a big payout if you have proper documentation. A video offers irrefutable evidence and quickens the amount of time you will receive your money. Therefore, creating a video of your items can be a big step for protecting your business. In other words, this is a crucial task. Try to get all of your business items in the video.

2. Keep It Simple
This is neither a movie nor a documentary, so you don't need to worry about good lighting or editing. Just take a video camera and walk through each room of your business. Open all of your closets or storage containers and film these items. You can talk about each item if you want, or stay silent.

3. Focus on Expensive Items
Any high-end electronics or equipment in your business will need special attention. Make sure you get these items in the video, along with any model and serial numbers. Not only can this give you a better payout, but it can help the restoration company, such as SERVPRO, establish proper remediation procedures.
You don't want to rely on memory when recounting your business' inventory for an insurance claim. Instead, create a simple video that focuses on high-dollar items so you can get the most out of your insurance company.

Storm Preparedness and Property Management Go Hand in Hand

4/18/2022 (Permalink)

Hand with glove holding leaves from a gutter. Cleaning gutters How often do you clean your gutters?

Storm Preparedness 

Property managers in Houston, TX, have a lot on their plates. As the next storm starts brewing, being ready for it provides added relief and makes it easier to ride it out. No matter how many properties you are juggling, storm preparedness should always be a priority when it comes to property management. Preparations should include considering the properties and people in them.

Regular Inspections

While your to-do list may seem to never be finished, maintenance and property inspections are vital to avoiding costly repairs and other headaches. Before the storm hits, the following should be inspected to prevent unwanted water infiltration.

· Gutters and Downspouts: Ensure they are free of leaves and debris. Any clogs may mean overflow going directly down toward the foundation.

· Roofs: It is recommended to have roofs inspected by a professional at least once a year. In between inspections, regular checks should be made for any cracks, erosion and missing components. After a storm, ensure that any debris is removed to avoid accelerating potential damage.

· Windows and Joints: Wherever two surfaces meet is a prime location for water to seep in. Check that windows work properly and tightly shut. Look for any loose or damaged seals and get them replaced immediately.

Prepare a Plan

Along with having your property secured, storm preparedness means ensuring the people in the buildings know what to do. Develop an emergency plan that includes emergency contact information, evacuation routes and a checklist to ensure everyone’s safety. Encourage tenants to listen to weather updates and act accordingly. Since anything can happen during a storm, it is worth considering designating someone on the property to be in charge during a disaster situation. They can help other tenants follow the plan, as well as perform any emergency work to the building, such as boarding up windows.
Whether on the premises or not, having a storm preparedness plan is essential for securing the property, proving calm during the chaos and minimizing potential damage.

3 Common Effects of Water Damage on Ceiling Tiles

4/4/2022 (Permalink)

Hand pointing to mold growth on ceiling Mold growth on the ceiling.

Water Damage to Ceiling Tiles

Water damage can have telltale effects on the appearance and condition of the tiles on a ceiling. Short of tile mold, visible signs of disintegration, distortion or staining may be evident. Find out more about three common effects leaks can have on commercial ceiling tiles at a building located in Humble, TX.

1. Causing Stains To Appear On Tiles

As soon as water makes contact with expanded polystyrene, fiberglass, cork, or other ceiling materials, stains may start to become apparent. Tile discoloration may not be immediately discernible, but dried damage from water on various ceiling styles tends to turn the tiles brown over time. Signs of problems may become more visible in the following days, weeks and months if the owner or building manager fails to undertake water damage restoration.

2. Distorting the Texture of the Ceiling

Nearly any type of ceiling material becomes distorted in appearance after moderate to major damage involving water. Fast leaks from plumbing supply lines or a big breach in roofing materials may cause ceilings to sag or swell. A slow leak may not show signs of a distorted texture until tile mold starts to grow. Mold may be fuzzy, spongy or slimy in appearance and tends to grow in patterns.

3. Undermining the Ceiling Materials

Porous ceiling materials will not be the same after saturation with water. Ceilings may start to crack, crumble or flake and leave behind residues on floors and surfaces. It is often necessary to replace absorbent ceiling materials such as polystyrene, cork or fiberglass. It may be possible to clean mold off of plastic or metal commercial ceilings.

Commercial property owners or managers may notice a distorted texture or staining before ceiling tiles start disintegrating. It is important to act quickly to limit damage and risks of occupant exposure to tile mold. Schedule an inspection to determine the cause and degree of damage to a building in Humble, TX.

How To Properly Handle a Black Water Flood

3/30/2022 (Permalink)

Air movers placed in pile Drying equipment lined up to treat this flood damage property.

Three Steps To Prevent Flood Damage

Black water, or category 3 water, is highly contaminated and should be handled as an emergency plumbing situation that poses a hazard for the people who enter your building. Along with carrying viruses and bacteria, this type of water can have a foul smell. Common sources of category 3 water are:

  • Water from flooding
  • Backed up sewage
  • Toilet overflow

If you have experienced a category 3 water flood in Channelview, TX, take these steps immediately to prevent flood damage.

Use Proper Protective Gear

Flooding from stormwater, sewage, or any other form of contaminated water should be handled with care to prevent disease. Wear gloves, masks and bodysuits if they are available to you. Properly dispose of hazardous waste once you have finished cleaning by tightly placing all contaminated towels and rags into a large plastic bag. Tightly close the bag and dispose of it according to your region's waste management codes.

Clean and Dry Your Property

Use old rags, mops or towels to clean the water from your property. A water vacuum may help to clean excess water and dry materials more efficiently than rags. Once you have cleaned the water, make sure your property is not damp. If it is still damp from the flood, use a dehumidifier until the materials are no longer humid. You can also use floor fans to dry carpet, wood or tile floors.

Hire a Restoration Service

A professional water damage restoration service will help to properly clean your property if you do not want to purchase protective gear or undertake the arduous task of cleaning. They will also dehumidify and restore your property by making the necessary repairs to water-damaged construction materials.
Water damage from flooding can be disastrous to a home, especially if the damaged materials are not cleaned and restored on time. In case of a category 3 water flood, take immediate action to prevent disease and flood damage.

3 Things To Look for in Your Chosen Restoration Company

3/25/2022 (Permalink)

School lockers covered with plastic, long hallway Smoke cleanup in a school in Baytown, TX.

Three Qualities to Look for in a Restoration Company

When preparing an emergency plan you may want to choose a fire damage restoration service in Baytown, TX, for your business as knowing who to contact can help you save time in the event that a fire does occur. However, you may be wondering how to select the best company for your needs. There are several things you may wish to consider when choosing the restoration company you wish to work with.

They Offer a Variety of Services

In many cases, you may want to choose a restoration company that can offer a variety of services. This will allow them to make any repairs associated with the fire damage including

  • Smoke cleanup
  • Soot clean up
  • Flood water cleanup
  • Water damage assessment
  • Mold remediation
  • Item restoration
  • Working with your insurance

They Can Respond Quickly

A professional fire damage restoration service should have the ability to respond quickly as well. This is important as repairs may get in the way of conducting business, and you may want to get everything operational as quickly as possible after a fire. When you contact your chosen service they should be able to get a professional out to you to assess the damage quickly, and then prepare a repair schedule based on the damage type and severity.

They Can Handle Large Jobs

One aspect that may be important for many companies when looking at commercial fire restoration service, is the ability to handle a variety is job sizes. Choosing a company that can do large-scale work often means that in a worst-case scenario they have access to any equipment that may be necessary. It also means that they may be able to handle any job size in between as well.
When choosing the right fire damage restoration team for your business's needs consider the following. What types of services they offer, how quickly they can respond to a disaster, and what size jobs they can handle. Knowing these things beforehand will give you a reliable company you can contact in the event that a fire does break out at your business.

The 3 Types of Water Damage

3/8/2022 (Permalink)

Drying equipment placed on floor, floor has been removed due to water damage Water damage event after a pipe break in Kingwood, TX.

Water Categories

Whether you experience a water pipe repair job gone wrong or a sewage backup, you must immediately remedy the water damage. The first step to fixing your Kingwood, TX, business's damage is to hire a water cleanup company. They will categorize the water, so the proper remediation steps are taken.

1. Category 1 or Clean Water

Category 1 water damage is the least worrisome and is often caused by a broken pipe, overflowing sink, or appliance malfunction. This is considered clean water because it is free of toxins and sewage. Typically, the restoration following the water pipe repair will be quick, and there will be few side effects for the building. However, have remediation performed as soon as possible to prevent further damage and mold growth.

2. Category 2 or Greywater

Category 2 damage is caused by greywater. This includes water from a toilet, washing machine, or sump pump backup. While the water may not necessarily be harmful, it is important to have a water pipe repair performed and follow it up with prompt restoration and sanitation to avoid potential health concerns and further damage. This type of remediation will involve water cleanup and sanitation.

3. Category 3 or Black Water

Category 3 damage must be remedied immediately and is the most dangerous of the water categories. This includes water from sewage, storm surges, seas, rivers, and other bodies of water. When this occurs, most of your items will need to be removed for cleaning, and it will take extensive disinfecting to make your business safe again. It is also probable that you will not salvage some of your items and building materials.
If you have recently experienced a flooded business, you should take action quickly. No matter what category the water is, you should promptly hire a remediation team to perform the cleanup. Otherwise, you could endanger yourself and have further damage to your building.

Pretesting and Insurance Claims

2/25/2022 (Permalink)

Green truck box parked sideways with information of a restoration company 24/7 Immediate response to any type of loss.

Most insurance agents and claims adjusters know that pretesting is an important part of the claim process after residential damage has occurred in Harmaston, TX. This testing reduces claims expenses, as any property that is deemed restorable is less expensive than that which must be completely replaced. Fortunately, SERVPRO can help with this stage and other parts of the claims process through its damage assessment and other related restoration services.

How Does SERVPRO Help?

This residential restoration company helps insurance agents and adjusters quickly yet carefully assess the restorability of property:

• Technicians can provide a quick and efficient assessment of residential damage from fire, water, or mold that includes the crucial pretest step.
• 24/7 response teams are available for most emergency situations.
• Local and corporate resources are available for insurance providers and homeowners at each franchised SERVPRO location.
• Each location has the ability to provide an itemized inventory list of losses in Excel format to any insurance company as needed.

SERVPRO is also a “Preferred Vendor” for most agencies, so insurance professionals know that they are working with some of the best technicians in the industry when they work with a SERVPRO team during pretesting and other stages of the insurance claim process. These professionals are here to assist homeowners, insurance agents and claims adjusters every step of the way by providing the most thorough and helpful damage services possible.

Here to Help

The claims process needs to be as quick and painless as possible for both insurance companies and their clients. Working with a local Harmaston, TX, SERVPRO team can help an agent or claims professional keep everyone as happy as possible while saving money for everyone along the way. Pretesting is important, but it is not always easy to accomplish with some restoration teams. SERVPRO understands that this process is a necessity and will complete it carefully and thoroughly.

Proper Care and Cleaning of Your Gas Range

2/14/2022 (Permalink)

Dirty stove top, cleaning dirty stove top. It is important to keep your gas range clean.

Why Range Cleaning and Maintenance Are Important

A new gas range that is sparkling clean and working well is a joy to cook on. You wipe away every crumb and spill immediately and keep it looking pristine. As the novelty wears off and life happens, you may not worry so much about a spill or two. Things begin to bake onto the surface and accumulated gunk and goo no longer bother you as much. But there are some simple ways to restore your beautiful oven and some good reasons why range cleaning and maintenance are important.

Five Tips for Cleaning Your Range Top

1. Make a mixture of half hot water and half white vinegar. Spray all surfaces, one area at a time and let it sit to soften the dirt.

2. Using a stiff toothbrush, scrub away all grease and buildup. You can scrape gently with a plastic knife if needed, then wipe clean.

3. Remove the burner caps and heads. Wash them in the vinegar mixture and clean the grooves with a pin or toothpick. Dry thoroughly.

4. Wipe everything down one last time and replace burner heads and caps and cooking grates.
5. Wipe things down after each use to maintain a fresh, clean appearance for your gas range.

Why Range Cleaning is Important

Besides looking great and being a more inviting cooking surface, a clean range top can keep the burner heads working properly. Food and spills can build up in the cutout grooves, blocking the flow of gas, creating hot spots or making it unsafe to operate. Burning food near the burner head could also produce an unpleasant smoke smell that can get into everything in your house. If this happens, be sure to get help from odor removal specialists in Timberlane Acres, TX, to clean your home of both the smell and the residue that causes it.

You won’t have to spend your time wishing for a new gas range when yours is sparkling clean and in good order. You can just enjoy what it was made for – giving enjoyment and nourishment to your family.