Renter's Insurance? Do you Need it.
Did you know you need renters insurance to covered your personal property in the event of a home disaster. Regardless of how the damage occurred your landlord's policy will only cover the structure such as the walls, floor, cabinets not the items you moved in with. Contact a local insurance company to get a quote for your policy. We often recommended at least $50,000 in personal property for the average renter.
Carpet, Can it be saved in water damage?
This is an example of separation of the carpet backing making it difficult to property re-attach after drying.
A frequent question asked among the customer who experience water damage is can the carpet be saved? When the technician inspects the site they will evaluate several factors to judge all the materials restorability.
- How many days/hours has the water been in contact with the material?
- Is the water contaminated such as sewage?
- Is there mold growth in the area?
- Is the carpet showing signs of wear where will prohibit it to be re-attached after drying?
Upon these items being investigated the tech will document the necessary items of concern and discuss with insurance when needed to follow the specific insurance guidelines.
COVID Cleaning for Commercial Clients
An example of fogging while in PPE for Covid.
For the last two years SERVPRO of Chambersburg has been providing COVID 19 related cleaning services to our community. When a business has an employee who has been suspected or confirmed positive for Covid 19 they want to protect their other staff to ensure the cleaning has been done.
At SERVPRO of Chambersburg we are able to offer quick, efficient and highly trained cleaning staff to address those concerns. Providing the most common type of services which is a combination of fogging and high touch surfaces to be wiped with EPA registered product with staff who are fully in PPE.
SERVPRO of Chambersburg has been providing hazard cleaning services as a part of their services for year and this is something is apart of SERVPRO's specialty's.
Call 717-261-0310 to speak to a SERVPRO cleaning professional regards to your COVID 19 cleaning needs.
Tornado and Earthquakes, does my insurance cover these in PA?
In south central Pennsylvania when the word natural disaster is mention we commonly thing average heavy rain storm in the spring, winter blizzards, possibility high winds. It's what we don't experience often in the area to understand how our homeowners insurance would cover events less common such as tornado's or earthquakes.
Each insurance company offers different coverages and each policy has different options for customer to enroll in various coverage packages.
According to The Philadelphia Inquirer "So far in 2021, 19 tornadoes have touched down on Pennsylvania soil, three above the 30-year annual normal and eight more than what would be the average total through August, according to the government’s Storm Prediction Center."
Check with your local insurance provider today to understand if you have coverage for tornado's?
Fire Damage, Is it cleanable or Replaced?
Fire damage to a garage
During the winter there is an increase of fires in homes for various causes. Some fires can be cleanable will minor painting other can be so damaged that the rooms will need to be demolished and rebuilt over several months for large projects. Depending on the level of soot, burnt material, kind of material will determine what steps are needed to remediate the fire damaged to ensure no smell is present after all the steps have been completed. Also considering factors are water damage if used to put out the fire.
For those cleanable fires customer often try to be helpful and clean themselves before having a company come in. What they don’t know is they can cause damage such as staining material that will need to be replaced or painted. It’s best to consult with a professional before attempting any DIY fire cleanup.
For the fire damaged in this photo due to electrical issues in a garage the drywall, insulation, electrical windows are doors were removed/replaced. Prior to any material being installed cleaning was done to the framing/joist and smoke sealing
Winter storms are here in south central Pennsylvania consisting of snow, freezing rain and extreme freezing temperatures. Most customers will experience frozen pipes during several days of below freezing temperatures in January or February. To prevent these damages, follow these steps:
- Properly heat all areas of your home well above 32 degrees. Often on days with windchills in the single digits consider at least 55 degrees.
- Detach the outside garden hose before freezing temperatures begin.
- Open cabinet doors under sinks to allow warm air to reach it.
- Have someone check on your un-occupied homes or winterize them with your plumber. Home that hasn’t been checked on for a period of time can cause insurance coverage issues in an event of a claim.
If you find that your pipe has frozen shut off the water immediately. Next contact SERVPRO of Chambersburg at 717-261-0310. Also contact a plumber to fix the damaged pipe, save the broken piece for insurance evidence. Finally follow up with your homeowner insurance to understand what your coverage is including your deductible.
How can SERVPRO Help if I'm Drying my own Water Damage?
Sometimes customers avoid opening an insurance claim and perform their own drying services. However, they are often under qualified and have a lack of professional equipment to dry it properly. When a customer wants to do most of the work themselves, we understand that and can help them to their goal. The options could include having a moisture assessment performed by the SERVPRO team using the high-tech moisture meters to determine what has been affected, what materials the customer should remove and possible provide equipment for the remaining of the drying.
These moisture checks may have a service call fee for the consultation, but this would be discussed prior to the appointment being booked. If you choose to have SERVPRO provide equipment they would set it up for optimal performance and ensure its properly distributed for power needs.
Failure to have the correct amount of equipment to dry the area with air movers and dehumidifiers could cause risk for potential issue such as mold. Preventing mold to develop steps include removing unsalvageable wet material asap, setting up air mover and dehumidifier to stabilize humidity and temperature. At the end of the drying process from either your own DIY drying or professional its best to have a second moisture assessment to validated everything has dried fully. When customers hire SERVPRO for the full process, it would include daily moisture checks and equipment monitoring.
Each customer’s home is different with different needs for an individual service experience. At SERVPRO of Chambersburg we are here to help from filling in the gaps of their drying needs or fully performing all the drying services. From a big job to a small job, we are happy to help meet your needs. If you experience water damage call SERVPRO of Chambersburg today to discuss what your needs are for a service appointment to be established with our highly trained staff. Our office team is highly trained to help answer your questions and provide solutions to your problems.
How can SERVPRO work with my Insurance?
SERVPRO of Chambersburg is established and trusted with 50+ insurance companies and being a preferred vendor for many. When a customer has a claim there is policies and standards to meet as a service provider. Many of the insurance companies set the expectations in writing with our headquarters and electronic audits to ensure accuracy for performing the billing and job site procedures. The industry standard for preforming services is outlined by the IICRC. From that the insurance can put additional expectation of if for example, if the cabinet of a sink is damaged by water it would require documentation of all sides with immediate notification for adjuster prior to removing. If a provider preforms these services without understanding the expectation of that insurance company, they could risk being compensated for work completed without proper documentation.
When you hire “Joes handmade Service” for your water damage they may be able to get it dry but they removed $2,000 worth of building material that could have been save by a professional remediation company or have proper justification of damage for removal the homeowner may not be compensated for that loss.
A quality restoration company should be in contact with your insurance company threw out the process, direct billing the insurance with programs such as Xactimate, have an understanding of their rules, and be IICRC trained technicians.
Water Shut Off, Where?
A wand used to extract standing water from hard surfaces.
During 2021 many employees have transitioned into new jobs. According to CNBC
1 in 4 Employee will quite their job this year”. While most companies have a training program specifically lined out to have them perform their job, what about facility management? You’re a new receptionist at a dentist office your office experiences a water damage coming from one of the sinks, while you know the maintenance companies’ phone number, they can’t be there for another 30 minutes and water is gushing out everywhere. What do you do?
As a part of annual and new hire training implementing awareness to the building electrical and water shut off can help minimize damage in those disasters. To do one better, how about the SERVPRO Emergency Ready Profile (ERP) it’s a free service to commercial clients to help tag the shut off’s, provide a handy simple 10-15 page packet of shut off and the contact points at the sprinkler company for example. Also available online and a mobile app for extra convenience.
These programs often can be developed with less that 3 hours of your time with your designated SERVPRO representative but are worth much more. They can save you down time, less cost of damage and employee education. Here is a handy link to find info on common shut off information. https://www.familyhandyman.com/article/how-to-locate-your-gas-shutoff-valve-and-water-shutoff-valve/
Commercial Cleaning Beside Janitorial
Commercial business will often have a janitorial company to preform light cleaning duty recurring. SERVPRO of Chambersburg can be an additional service for deep cleaning on a bi-yearly basis. With our highly trained techs in difficult cleaning methods are able to get those stubborn stains or build up removed leaving the place look clean.
The edges of the floors are an area that need detailed cleaned as the routine mopping does not lift the soil enough. Also, walls may need washed in areas where dirt can build up, carpet to be cleaned or office chair upholstery cleaned.
SERVPRO of Chambersburg has cleaned local commercial kitchen to the grease build up removed and hard to reach areas cleaned. This helps them meet the expectations of food and safety inspection by local officials.
Visit our before and after section of the commercial to see the previous work. https://www.SERVPROchambersburg.com/before-after-photos/commercial