Storm Shutters: Are They Worth the Investment for Your Home?

6/11/2023 (Permalink)

As a disaster restoration company, we know the importance of preparing your home for severe weather conditions. One common question that homeowners ask is whether they should add storm shutters to their homes. In this blog, we'll go over the pros and cons of storm shutters to help you make an informed decision.

Pros of Storm Shutters

One of the main benefits of storm shutters is that they can help protect your home from wind, rain, and flying debris during severe weather conditions. This can help prevent damage to your windows, doors, and other vulnerable areas of your home. Additionally, storm shutters can help reduce the amount of sunlight and heat that enters your home, which can improve energy efficiency and lower your utility bills.

Cons of Storm Shutters

One of the main drawbacks of storm shutters is that they can be expensive to install, especially if you have a large home or multiple windows and doors. Additionally, storm shutters can be heavy and difficult to install and remove, which can be a challenge for some homeowners. Finally, some homeowners may not like the aesthetic look of storm shutters on their home, especially if they prefer a certain architectural style or design.

Factors to Consider

When deciding whether to add storm shutters to your home, there are several factors to consider. These include the location of your home, the type of severe weather conditions you typically experience, and your budget. If you live in an area that is prone to hurricanes, tornadoes, or other severe weather conditions, storm shutters may be a wise investment to protect your home and family. Additionally, if you have a large budget and are willing to invest in high-quality storm shutters, they may be a good option for your home.

Alternatives to Storm Shutters

If you decide that storm shutters are not the right option for your home, there are several alternatives to consider. These include impact-resistant windows and doors, which are designed to withstand severe weather conditions and flying debris. Additionally, you can reinforce your windows and doors with shutters or plywood to provide temporary protection during severe weather conditions.

In conclusion, adding storm shutters to your home can be a good investment to protect your home and family during severe weather conditions. However, there are several factors to consider before making a decision, including your budget, the location of your home, and your personal preferences. If you need help preparing your home for severe weather conditions, our team at SERVPRO of Scarsdale/Mount Vernon is here to help with disaster restoration services. Contact us today to learn more.

Leaking Roof? Here's How Long It Takes for Mold to Develop

5/16/2023 (Permalink)

Mold growth can be a significant issue for homeowners with a leaking roof.

As a disaster restoration company, we understand that water damage can be a nightmare for homeowners. One of the most common issues that arise with water damage is mold growth. Mold can be hazardous to your home's structure and cause unpleasant odors, so it's important to understand how long it takes for mold to develop and what to do if it does develop.

How long does it take for mold to develop in a leaking roof?

The answer to this question varies based on several factors. The first and most crucial factor is the amount of water exposure. If your roof has been leaking for a long time, mold can develop within 24 to 48 hours. However, if the water exposure is limited, it can take several days or even weeks for mold to develop.

The second factor is the temperature and humidity levels of your attic. Mold grows best in warm and humid environments. If your attic has poor ventilation, the temperature and humidity levels can quickly rise, providing an ideal environment for mold growth.

Lastly, the type of materials in your attic can also contribute to the rate of mold growth. Organic materials such as wood, paper, and insulation are particularly susceptible to mold growth. So, if your attic has a lot of organic materials, it can speed up the mold growth process.

What to do if mold develops in your attic?

If you discover mold in your attic, it's essential to take immediate action to prevent further growth and potential structural damage. Here are the steps you should take:

Identify the source of the moisture: The first step in addressing mold growth is to identify the source of the moisture. In this case, it's likely a leaking roof or poor ventilation. Addressing the root cause of the moisture is critical to prevent further mold growth.

Consult a professional: Mold growth can be hazardous to your health and cause structural damage to your home. It's best to consult a professional disaster restoration company like SERVPRO of Scarsdale/Mount Vernon to assess the extent of the damage and recommend the appropriate action.

Remove the mold: The next step is to remove the mold. This process can be challenging and dangerous, which is why it's best to leave it to the professionals. They will use specialized equipment and techniques to remove the mold safely and effectively.

Repair the source of the moisture: After the mold has been removed, it's essential to repair the source of the moisture to prevent further mold growth. This may involve fixing a leaking roof or improving ventilation.

Prevent future mold growth: Finally, it's crucial to take steps to prevent future mold growth. This can include regular inspections of your attic and roof, addressing any water damage promptly, and improving ventilation.

In conclusion, mold growth can be a significant issue for homeowners with a leaking roof. The rate of mold growth can vary based on several factors, including the amount of water exposure, temperature, humidity levels, and the materials in your attic. If you discover mold growth in your attic, it's essential to take immediate action to prevent further growth and potential structural damage. Consulting a professional disaster restoration company is the best course of action to address mold growth safely and effectively.

7 Essential Steps to File an Insurance Claim After a Home Fire

4/13/2023 (Permalink)

Filing an insurance claim is one of the essential steps you need to take after a fire.

Experiencing a home fire can be an overwhelming and devastating event, leaving you with damages that require a lot of time and money to restore. This is where having a comprehensive insurance policy comes in. Filing an insurance claim is one of the essential steps you need to take after a fire to recover some of the losses. In this blog, we'll go over the steps to take when filing an insurance claim after a home fire.

Contact Your Insurance Company

The first thing you should do after a fire is to contact your insurance company. Your insurer will assign a claim adjuster who will help you through the claims process. Provide them with the necessary information, including the date of the fire, the extent of damage, and your policy number.

Document the Damage

Documenting the damage caused by the fire is a crucial step in the claims process. Take photos and videos of the damaged property and inventory, including any valuable items that may have been lost in the fire. This documentation will help your insurer to determine the extent of the damage and provide the necessary compensation.

Make Temporary Repairs

Make temporary repairs to your home to prevent further damage. Cover any holes in the roof or walls and board up broken windows or doors. These temporary repairs will help protect your property and prevent any further damage from occurring.

Obtain Repair Estimates

Obtain repair estimates from licensed contractors or restoration companies. These estimates should cover the costs of repairing and restoring your property, including any structural damage, water damage, or smoke damage.

Review Your Policy

Review your insurance policy to understand the coverage you have and the limits of your policy. Knowing your policy will help you understand what expenses are covered and the amount of compensation you can expect to receive.

Submit Your Claim

Submit your insurance claim to your insurer along with all the necessary documentation, including the repair estimates and any receipts for temporary repairs. Your insurance company will then review the claim and provide compensation based on the policy coverage.

Follow-Up on Your Claim

Follow up with your insurer to ensure that your claim is being processed and that you receive compensation promptly. Keep track of all communication with your insurance company, including any phone calls or emails.

In conclusion, filing an insurance claim after a home fire can be a complicated and stressful process. However, by following these steps and working with your insurance company, you can recover some of the losses and restore your property back to its original condition. Remember to document the damage, make temporary repairs, obtain repair estimates, review your policy, submit your claim, and follow up with your insurer. With patience and persistence, you can successfully file an insurance claim and restore your home after a fire.

6 Important Steps to Creating a Business Continuity Plan

3/13/2023 (Permalink)

Business continuity planning is a way to help you recover from unexpected disruptions to your operations.

Business continuity planning is an essential element in the risk management process. It's a way to ensure that your business can recover quickly and effectively from unexpected disruptions. There are many factors that should be considered when creating a business continuity plan, which will vary depending on the type and size of your organization. In this blog post, we'll discuss some of the basic steps for developing a continuity plan for your business and how it will help keep your company up and running during times of crisis.

Assemble a Business Continuity Team

Before you begin, it's important to assemble a Business Continuity Team. This team should include members from all departments and levels of your organization. This is because each department has unique needs during an emergency situation and each person on the team will have different responsibilities based on their role within the company.

Prioritize the safety of your employees

Safety is the most important aspect of business continuity planning. A plan that leaves your employees in danger is no plan at all.

In order for your plan to be effective and successful, you need to ensure that everyone involved understands how it will affect them and what they need to do if there's an emergency.

Identify your risks

Identifying your risks is the first step to creating a business continuity plan. Although it may seem like an overwhelming task, it's important to take time and think through all of the potential risks that could impact your business. You should consider:

• What are the possible risks that our business might face?
• What are the possible consequences of each risk?
• How likely is it that these risks will occur? (Consider both external factors and internal conditions.)
• How much money would be lost if these risks were realized?

Determine critical activities needed to run your business

The next step in creating a business continuity plan is to determine what activities are critical for your business. Critical activities are those that, if interrupted or delayed, could cause severe financial loss and/or harm to the business in some form. Critical activities should be listed in order of importance, starting with the most critical activity and working down the list until all of them are identified.

Create a Continuity Plan for each risk

Once you've identified the risks that could affect your business, it's time to create a plan of action for each and every one. The first step is to determine how likely the risk is and how severe its impact would be if it were to occur. Also consider whether there are any steps you can take now (i.e., purchasing insurance) that will reduce or eliminate the likelihood of said event taking place in the future. Then, create a plan of action for each individual risk. This might be time-consuming but will ensure that you are prepared for anything and everything.

Test the plan and update it regularly

The best way to make sure your business continuity plan is up to date is to test it at least once a year. If you make changes to your business or add new technology, then update the plan accordingly. You should also train employees on how they should respond in an emergency and what they need to do if they are affected by an emergency themselves.

Business continuity planning can help you get back on track quickly

Business continuity planning is a way to help you recover from unexpected disruptions to your operations. It's important because it can help prevent problems and save money, as well as ensure that your business continues to run smoothly in spite of any challenges that might arise.

Business continuity planning is a process that takes time and effort to complete, but it's worth the investment. If you want your business to continue operating in an emergency situation, then you need a plan in place. The key is to take it slow and make sure you're doing everything right before moving on to the next step. You'll also want to make sure that everyone involved understands what they need from each other so that when something does happen they know exactly what steps they should take next!

The 4 Most Common Types of Mold

2/10/2023 (Permalink)

Common Types of Mold are important

Mold growth is a common problem for homeowners. Not only does it make your home smell bad, but it can also cause significant damage to your home.

Mold spores are everywhere. They're in the air, on surfaces, and on your skin. They're even in the food you eat. Mold spores can easily spread throughout a home. When mold spores land on a damp or wet surface, they begin to grow into colonies which are identified by their color and texture.

There are over 100,000 different species of mold, which means there are many types to watch out for. You'll most often see one of these four types in your home:

Stachybotrys atra

Stachybotrys atra, also known as black mold, is a type of fungus that thrives on plant-based materials. It has a slimy texture and can be black or dark green in color. This type of mold is known for being difficult to discover because it's usually hidden within walls or ceilings--and once you spot it, you'll want to get rid of it right away!

Stachybotrys atra often grows in homes or businesses that have suffered from some type of water loss such as a leak or a flood. If you see this type of mold in your home, call a professional immediately so they can remove it before it spreads throughout the structure.

Cladosporium

Cladosporium is a common type of mold. It appears as black scattered dots at first, then appears green once the patches become larger. It's often found in bathrooms but can also grow on wallboard and insulation.

Aspergillus

Aspergillus is a common type of mold that often grows outside. It is often times found growing on food, on leaves, or in soil. Aspergillus can be black with white and yellow spots

Alternaria

Alternaria is a common type of mold that can be found in homes. It's usually brown, grey, or olive-colored and looks like thick strands of hair. It usually thrives outside. but is often found in your attic, basement, or crawl space.

If you see any of these types of mold in your home, call a professional to remove it.

If you see any of the four most common types of mold in your home, it's time to call a professional. Mold can cause significant property damage and even more expensive repairs if left untreated. If you have any doubts about whether or not you have a mold problem, don't hesitate to contact our SERVPRO of Scarsdale/Mount Vernon team today!

If you're worried about mold in your home, it's important to take action immediately. Mold can cause significant property damage if it grows unchecked for too long. If you see any of these types of mold growing on surfaces in your home or office building, call professionals who know how to get rid of them safely.

Emergency Kit Necessities

1/23/2023 (Permalink)

We hope this article has given you some ideas for what to include in your own emergency kit.

Severe weather can be unpredictable events and it can be difficult to say how severe they will be. They can cause severe flooding, property damage, and even death. It's important to be prepared for a storm so that you're ready if one hits your area. This article will discuss some of the most important aspects of your emergency kit.

Flashlights

Flashlights are an important tool for finding your way around in the dark. They can also be used to signal for help or to find things you've lost.

Extra Batteries

Batteries are a must for any emergency kit. In addition to flashlights, radios and other electronic devices will also need them. You may also want to consider storing backup chargers for your cell phone in your kit too so that you can keep your devices charged up when power is out. 

Battery Powered Radio

A battery-powered radio is another crucial piece to your emergency kit. You'll want to listen to local news updates and emergency broadcasts, as well as your local radio station for updates. If you have access to NOAA weather radio, that's another resource that can be useful during a hurricane. And if you live in an area with a fire department that uses a paging system in emergencies like these, you can use this resource as well.

Non-perishable Food and Water

Ensure you have enough nonperishable food and water to sustain you and your family for at least three days. This should give you enough time for things to calm down after the storm has passed.

Water is best stored in sealed containers with tight lids so that it doesn't evaporate or spill out. Food should be kept in cool, dry locations where there is little risk of being exposed to high temperatures or direct sunlight (so no leaving your emergency kit outside).

Please remember that pets need food as well! Be sure to include pet supplies like food, bowls, and leashes for them as well.

Blankets

Blankets are one of the most important items in an emergency kit. They can be used for sleeping or as a blanket, but you may also want to include them if you live in a cold climate.

Make sure you have enough blankets for everyone in your family or group before putting together an emergency kit! 

Portable Phone Chargers

If you are without power and would like to charge your phone, it's important to have a battery-powered charger on hand. Ideally, this should be a portable power bank or car charger, which can charge your phone while you are away from home.

Prescription Medications

Prescription medications are a must. Make sure to have enough medication for at least 3 days, and make sure you have a copy of your prescription in case your pharmacy doesn’t have the one you need. Make sure the medications are in their original containers with labels intact, that they haven’t expired, and that they are properly stored in airtight containers (they can lose potency quickly when exposed to heat and humidity). If possible, also include a list of all current medications (with dosages) and instructions on how to take each medication.

First Aid Kit

A first aid kit is an essential part of any emergency kit. It should be easy to carry, so don't forget to pack it in your go bag.

It's important that the first aid kit be well stocked with supplies that will help you treat minor injuries and illnesses until professional medical assistance can be reached. The following items are recommended:

• Bandages (various sizes)
• Gauze pads and rolls
• Disinfectant wipes or spray bottles (baby wipes are great for cleaning wounds)
• Antiseptic ointment - e.g., Neosporin or bacitracin
• Sterile gauze sponges or cotton balls
• Emergency tape/bandage strips
• Tweezers - for removing splinters and other small objects

Whether you're in the path of a storm or not, it's important to be prepared for emergency situations. In case of a hurricane, flood, or another natural disaster that causes damage to your home and access to shops is cut off for more than 48 hours, you'll want to have an emergency kit on hand.

We hope this article has given you some ideas for what to include in your own emergency kit. If a storm comes through and damages your Scarsdale home, give SERVPRO of Scarsdale/Mount Vernon a call! We will help you get back on your feet quickly.

The Best Fire-Extinguishing Method

12/28/2022 (Permalink)

Know how to put out a fire with a fire extinguisher

The Best Fire-Extinguishing Method

Although fire extinguishers are designed to put out fires, it is important that you know how to use them effectively. Knowing which type of fire extinguisher will work best for your situation is also important. Below you will find the most common types of fire extinguishers, as well as instructions on how they can be used.

Know the Fire Type

While it’s easy to think of fire extinguishers as a catchall solution for all types of fires, they are actually only effective for certain types of fires. So knowing the type of fire you are dealing with is critical.

Fire Extinguisher Class A

Extinguisher Class A is used for ordinary combustibles, such as paper and wood. This is the most common type of fire extinguisher and can be found in a majority of homes.

Fire Extinguisher Class B

Extinguisher Class B is used for flammable liquids, such as gas or oil. It's important to know that you should never use water on this type of fire because it will spread the liquid further. Instead, use foam or dry chemical extinguishers designed specifically for class B fires.

Fire Extinguisher Class C

Extinguisher Class C is used for electrical fires (including fires caused by lightning strikes). This type of extinguisher contains a conductive material that makes it safe to use around electricity without shocking yourself when discharged onto an electrical source or wire that has shorted out due to an electrical malfunction or lightning strike nearby your home

Fire Extinguisher Class D

A D-class fire extinguisher is used on fires involving combustible metals, such as lithium, potassium, sodium, and magnesium. It also works on fires involving flammable metals like zinc and aluminum.

A common mistake that people make with these types of fires is trying to smother them with a blanket or similar object. This will only make the situation worse; covering the material can cause it to explode violently and propel shrapnel at you or others nearby. Instead of attempting to prevent oxygen from reaching your metal fire by cutting off its air supply (which doesn't really work anyway), spray it down with an appropriate amount of water using a hose or bucket until all visible flames have been extinguished. Once you've killed off the flames in your metal fire's immediate vicinity, check for any embers still burning before leaving; if there are any leftovers they can reignite once exposed again so stay vigilant!

Fire Extinguisher Class K

Class K fire extinguishers are designed for use on grease fires. They should not be used on electrical fires or burning liquids. The best way to put out a kitchen grease fire is by smothering it with baking soda and water, which you can find in the cabinet above your stove.

If you are ever faced with a fire, having the right tools to extinguish it is important for your safety. You should know how to use a fire extinguisher correctly.

A fire can be caused by many things: electrical issues, smoking materials, and kitchen accidents are just some examples of ways that a fire starts. When you see smoke or notice flames in the home, keep calm and assess the situation. If there’s an exit nearby, get out immediately while calling 911 from a safe distance away from the house. If there isn't an exit nearby, make sure everyone knows what they're supposed to do if there's an emergency (i.e., get low on their hands so as not to cause burns when crawling under furniture).

If your home catches on fire, regardless of the reason, SERVPRO of Scarsdale/Mount Vernon can help restore your Scarsdale property to its original, preloss condition. Give us a call! 

Peeling Paint: Why and What to Do

11/5/2022 (Permalink)

Humidity can peel the paint off your ceiling and walls

Peeling Paint: Why and What to Do

Peeling paint is a common problem in Scarsdale homes and businesses. It’s unsightly and can be difficult to fix. So why does peeling paint happen? If you’re wondering why your paint is pooling, here are some reasons that this might be happening:

Places You May Notice Peeling Paint

You may notice your paint peeling in various spots, including the following:

• Walls and ceilings
• Trim
• Molding (corners)
• Doors
• Windows

Fix the Problem Quickly 

Not fixing the peeling paint might cost you more in the long run. Peeling paint, as you may have guessed, is not a good look. But it's also more than just an aesthetic issue—a peeling paint job is also prone to rust and mildew growth, which can lead to structural damage in the long term. That's the last thing you want for your home!

Once you've determined that there are no structural issues holding your paint back from sticking properly, it's time to address the problem head-on. Fix the source of the problem first, and then fix the paint issue.

Possible Sources of Peeling Paint

A water leak might be your source. If you have a water leak in your home (or if there was a plumbing problem before you purchased it), the moisture could be causing peeling paint. You should call a plumber to repair any leaks and check the foundation of your home to make sure it’s not damaged.

If you're noticing paint peeling off your walls and ceiling, it's possible that the problem is caused by a water leak. Invisible leaks can lead to visible problems if they're not taken care of quickly and effectively. For example, invisible leaks can lead to mold and mildew growth, as well as particleboard disintegration, and peeling paint. 

Humidity could be another problem. The humidity level in your house may also have an effect on whether or not paint will peel off, especially if it's very low in temperature for an extended period of time (as this can cause condensation). In order for paint to adhere properly, humidity levels need to be above 50 percent. Otherwise, moisture can get trapped between the wall and its surface coating which causes peeling over time due. 

It's important for homeowners to act quickly when they notice paint peeling off their walls and ceilings—especially if there are any other signs of moisture damage in the home (for example discolored carpeting or floors).

It’s easy for us humans to tell ourselves that we don’t have enough money for home repairs like these, but when something goes wrong with our homes it becomes an emergency situation that requires immediate action! Often these emergency situations are more costly than fixing the problem at the first, small sign of a problem.

Hopefully, we’ve given you a few ideas on why your paint is peeling and how to fix it. If you have any water damage in your home or business, call SERVPRO of Scarsdale/Mount Vernon. We will be glad to assist in mitigating and restoring your home back to its original condition. 

What Should I do if My Roof is Damaged in a Fire?

10/16/2022 (Permalink)

We recommend asking your insurance company if they offer money for tarp-overs and temporary repairs after storms or fires before you commit to paying.

What Should I Do If My Roof Is Burned Down?

After a fire, your roof is likely the last thing on your mind. But if you don’t repair it immediately, water damage can cause more problems for your home down the line. 

It’s always best to seek professional help when repairing a roof after a fire or other natural disaster. SERVPRO of Scarsdale/Mount Vernon has been helping families just like yours recover from fire damage for years, and we want to help you too!

Start With Assessing the Roof

When it comes to figuring out what to do first after a fire, we recommend beginning with your roof. The damage may be hard to see from street level, but heavy rains will reveal weak spots in the roof that need to be repaired.

The most important thing is to have your roof inspected by a professional who can tell you if repairs are necessary or if a new shingle installation is required. It's also important that you protect your property from further damage while waiting for repair work on the damaged area of the home's exterior and interior walls/ceilings/floors by putting up tarps over these areas until they're fixed as well!

Tarping Your Roof

A quick tarp-over is an affordable solution for repairing a roof after a fire. A professional roofer can cover the entire roof with a sturdy tarp and make sure it doesn’t come loose during inclement weather. The tarp will keep out the elements and prevent further damage. It should be replaced as soon as possible, but it will offer temporary protection in the meantime.

Talk With Your Insurance

We recommend asking your insurance company if they offer money for tarp-overs and temporary repairs after storms or fires before you commit to paying for them out of pocket. If your insurance company doesn’t provide money for tarp-overs and temporary repairs, you should ask if they will reimburse for them. If not, consider asking the fire department if they can help out. If neither of them is able to pay for it, then consider getting a quote from a roofing company. You may find that paying a roofing company will be cheaper than replacing the entire roof yourself.

Call SERVPRO

When you’re ready, call SERVPRO of Scarsdale/Mount Vernon at (914) 699-5181 and we will help guide you through the rest of the cleanup process! We offer professional fire cleanup services to help with any home or business that has been damaged by fire.

We are your first point of contact when disaster strikes and can be there within minutes. Our trained technicians use the most advanced tools and techniques available to get your life back to normal as quickly as possible.

So, if you’re ready to get started on the rest of the cleanup process, give us a call at 914-699-5181. We’d be happy to help guide you through it!

3 Ways a Restoration Response Team Streamlines Business Insurance Claims

8/27/2022 (Permalink)

Severe water damage in Yonkers, NY.

3 Ways a Restoration Response Team Streamlines Business Insurance Claims

When fire, flooding and storm damage causes problems for you and your Yonkers, NY, business, one of your main concerns may be how to handle the insurance claim and where to begin. Between itemizing the damage and the paperwork, you may feel overwhelmed. However, working with an emergency disaster response team like SERVPRO can streamline this process, from pretesting to filing.

1. Pretest Assistance

Once you have the chance to survey the damage inside your business, it can seem insurmountable. Working with a disaster response company can help you to better understand the extent of the issue with pretesting, which gauges whether certain areas can be fixed or if they are likely a total loss. Overall, this can lower claims expenses and may even help you file an insurance claim more quickly.

2. 24/7 Support

Disaster can strike anytime day or night, but because SERVPRO locations are locally owned and operated, the response time is usually swift. This can reduce the need for insurance claims, such as with flooding, as the restoration technicians can drain standing water and provide mitigation solutions for areas that may degrade over time and cause secondary damage, such as mold growth.

3. Preferred Vendor Status

Working with an insurance agent after your business suffers damage can be daunting, especially if you have never filed a commercial claim before. SERVPRO may serve as a bridge between your company and the agent, as the franchise is well known as a preferred vendor and can boost your confidence during the process. The presence of a certified disaster response team may also benefit the agent, who may feel more comfortable working with a preferred restoration vendor.

Fire, flooding and severe storms can cause a variety of damage to your Yonkers, NY, business and require you to file an insurance claim. Working with a SERVPRO disaster response team, from the pretesting phase to filing, may help you weather the storm with greater peace of mind.

4 Possible Sources of Sewage in Your Home

8/22/2022 (Permalink)

A clogged pipe can result in sewage backup in your home.

4 Possible Sources of Sewage in Your Home

Your home's plumbing system brings in clean water and discreetly clears away the used and dirty water. Occasionally, pipes break, and sometimes those pipes are in the process of taking away contaminated water. When this happens, professional sewage cleaning is a necessity. A number of situations in your home in Secor Gardens, NY, could result in a black water spill.

1. Toilet Overflow. While this might seem minor, any time water from a toilet that contains urine or feces overflows it is a serious situation. The water potentially contains harmful bacteria and microbes that are detrimental to human health. Plus, the water can contaminate flooring and other materials.

2. Clogged Pipe. A discharge line that is obstructed could result in a sewage backup, spilling out contaminated water into an area of the home. As with all other types of spills requiring professional sewage cleaning, a water damage mitigation team should be called. Trained technicians will work safely and quickly to remove the dirty water and clean and sanitize the home.

3. Pipe Burst. Older pipes tend to weaken with age. After forty or fifty years of use, many piping materials are at or near the end of their lifespan. This is especially true of galvanized steel piping. If the pipe that breaks is carrying used water, the spill should be considered potentially harmful to human health.

 Though this situation has nothing to do with the plumbing system, it is still an issue important to homeowners. Outside water coming into a home from overflowing streams or lakes or heavy rains is often contaminated with germs, chemicals, and other substances. As such, it should be treated with the highest level of concern.

No matter what the source of the spill, sewage cleaning is best handled by a professional company. It will have the appropriate equipment and training to deal with the situation safely and efficiently.

Coping With Water Damage

8/17/2022 (Permalink)

Drying up the area that was damaged by water in a Mount Vernon, NY home

How Do You Deal With Water Damage

Water damage in Mount Vernon, NY, can happen suddenly and unexpectedly. Whether the result of a storm, broken pipes, or a washing machine malfunction, you’re suddenly facing a big water cleanup task. When you’re preparing to address the mess, consider the following:

• Safety
• Assessment
• Cleanup and Repairs

Keep It Safe

One of the first steps you should take is shutting off power in the affected areas since water and electricity are a dangerous, potentially deadly, mix.

If you need to go into the damaged space, consider the source of the water; if there’s any chance of contamination, such as from stormwater or an overflowing toilet, wear protective clothing and wash hands thoroughly after handling anything that has been in the water.

Assess the Damage

If the damage is significant, you may want to contact your insurance company to find out whether or not you have coverage. Keep in mind that water damage is different from flood damage, and insurance companies adjust differently for the two. If you are covered, an adjuster will likely want to take pictures of the damage to help evaluate your claim. You may want to take your own pictures as well in order to have a record of what has happened.

Cleaning Up and Making Repairs

It is important to act fast when you have standing water, as mold and bacteria can begin to grow in as little as 24 to 48 hours. Even if the damage was caused by clean water, the longer it stands, the better the chance of contamination.

In most cases, you should contact a restoration professional to come out and evaluate the situation. These people have the knowledge, experience and equipment to deal with the problem safely and efficiently. They can advise you about the extent of your damages and the need for any repairs, whether fixing broken pipes or replacing damaged wallboard.

Water damage can be frustrating and overwhelming, but following these steps can help you manage the problem as efficiently as possible so that you can get your home and your life back to normal.

How to Safely Clean and Disinfect After Sewer Damage

7/28/2022 (Permalink)

Sewer damage in Scarsdale, NY

Types Of Contaminated Water

A flooded toilet is always inconvenient, but it can also be dangerous. A toilet flood is usually caused by a clog or a block in the drain that isn't allowing things to flow out correctly. There are three types of contaminated water that you may encounter when you have a toilet backup, and the category of contamination will help you to know how dangerous it is for people in your home.

1. Clean Water
Clean water is water that floods into your home from a broken water line. This is not true sewer cleanup, because the water is not contaminated with any type of sewage. As long as it hasn't mixed with other contaminants, you can clean up this water with towels, a mop, or a shop vacuum.

2. Gray Water
Gray water has urine in it. A sewer backup can cause your toilet to overflow into your bathroom, and the bacteria present make this a more dangerous cleanup process. Make sure that pets and small children can't get to the overflow by closing doors. Open windows to ventilate the area, if possible, and wear personal protective equipment if you attempt to do any cleaning yourself. You should dispose of anything you use for cleaning afterwards.

3. Black Water
Black water is the most dangerous level of sewer cleanup that you're likely to encounter because of a toilet backup. This contains water with feces and anything that comes from beyond the toilet trap. If you must clean, wear gloves, a mask, goggles, and boots. Shovel debris into heavy plastic bags and dispose of them immediately. Use bleach to prevent the spread of infection. However, this type of sewer backup is especially toxic, and it is best to leave the cleanup to a professional.

While it is possible to do some of the cleanup yourself with some of the less severe categories, it's always best to contact a local sewage cleanup and restoration expert in Scarsdale, NY. You want to be very sure that your home is properly disinfected and that there won't be any future complications from sewer cleanup that wasn't thorough enough.

The Best Response to Black Water Damage in Your Home

7/28/2022 (Permalink)

Flood damage in Bronxville, NY

The Best Response to Black Water Damage in Your Home

Water damage caused by home flooding in Bronxville, NY, is a serious matter. When your surrounding area experiences a flood, water pools from sources such as sewage drains and any household contaminants kept at ground level. Flood water is also known as black water, and it is important to have as little contact with this contaminated flood water as possible. As the flood recedes, it leaves behind water damage. This damage is hazardous to your home's environment, and you should not attempt to clean it up yourself.

Attempting to clean it up yourself could lead to a bigger disaster. There could be structural damage you can't see, and when there has been standing water in your home, it is prone to other hazards, such as mold. These hidden dangers will be more expensive to repair as they are allowed to worsen and grow.

The Restoration Process
The IIRHC recommends hiring professionals who possess the protective gear and training needed to safely remove debris and restore your home to its pre-flood state. The following tasks will be performed in the remediation restoration process.

• Any areas of your home that have experienced water damage will be closed off and further assessed.
• In protective gear, a professional team will assess the damage.

Your home will be inspected for dangers that come after flooding, such as mold and structural damage.
Salvageable items will be cleaned; non-salvageable items will be discarded. This includes personal items, furnishings, fixtures, and materials such as drywall and flooring.
Any needed restoration will be performed.

After Restoration
Following restoration, your family can safely return to the home without fear of any lingering or hidden dangers. Water damage from flooding can wreak havoc on your life for a short time, but by working closely with a trusted team of professionals, the damage won't be allowed to continue to grow and you'll have peace of mind in the knowledge that all areas of concern have been properly handled.

What To Do Before Your Adjuster Arrives

6/21/2022 (Permalink)

When a storm hits your home in Bronxville, NY, call SERVPRO of Scarsdale/Mount Vernon

Before Your Adjuster Arrives, Here's What You Should Do

When a storm hits your home in Bronxville, NY, it is likely that damage will be widespread throughout the area. Even if you have flood insurance, it is still in your best interest to limit the amount of damage to your home as much as possible. Your insurance adjuster will likely be very busy during this time, so it's important to take a few key steps before he or she arrives.

Call Restoration Professionals

The first call you should make after alerting your insurance company is to flood restoration specialists. There are several benefits to calling them quickly:

• Assessment of initial damage
• Faster water extraction to prevent further harm to your home
• Itemized list of damages to help with insurance claim

Even if they get a lot of calls, they tend to be equipped to mobilize quickly in an emergency situation and can probably get to you faster than your flood insurance adjuster. In fact, with the list of damages they provide, they can actually make adjusters' jobs easier once they arrive by providing an estimate of what the remediation will cost.

Take Lots of Pictures

If the damage is severe, you may have to evacuate your home to keep yourself and your family safe. If you can safely do so, however, it is a good idea to take as many pictures as you can. You may even consider taking a video of all the affected areas of your home. If it has been a few days, and the flood damage has turned into mold damage, make sure you document that as well. The more evidence that you can provide of the repairs your home needs, the better chance you have of getting your claim accepted.

Even if you have great flood insurance, a large storm can overtax local adjusters, delaying their ability to get to you in a timely manner. Taking proactive steps to document the flood damage and keep it from getting worse can help you in the long run.

Tips for Filing a Renters Insurance Claim After a Fire

6/13/2022 (Permalink)

If you rent your home in Tuckahoe, NY, you need renters insurance to cover expenses in case of a fire or another covered peril.

After a Fire, Here Are Some Tips for Filing a Renters Insurance Claim

If you rent your home in Tuckahoe, NY, you need renters insurance to cover expenses in case of a fire or another covered peril. Most tenants don't know how far those benefits reach, though. When filing your claim after a fire, be sure to include the following costs, if applicable to your circumstances.

Fire Damage to Belongings

One document you should prepare before you file your claim is an itemized list of belongings damaged by the fire and how much it costs to replace them. Your policy should cover all your personal property:

• Furniture
• Electronics
• Clothing
• Food
• Valuables

You may be surprised how many items fire restoration experts can repair. If they cannot be fixed, however, your provider should recoup the replacement cost rather than the depreciated value of the items.

Limited Liability

A fire can break out in your apartment due to your negligence. If this happens, the liability clause in your renters' insurance policy is likely to come into play. This protects you in the event that a third party has damages due to anything you did that led to the fire.

Medical Expenses

Even if you do everything right, it is still possible that someone can get injured when fleeing the burning building. Most policies for renters can cover medical expenses to a certain extent. Check with your agent to see how much coverage an injured party can get.

Temporary Relocation

If there is a lot of damage to the structure of the rental property, it may take some time to repair. You will probably have to live somewhere else while it is mitigated. Your policy should cover the cost of the hotel room or other temporary accommodations. 
You may not know a lot about your renters' insurance policy until you need to file a claim. Chances are good that it covers more than you expect.

4 Benefits of Commercial Document Restoration

6/7/2022 (Permalink)

By acting quickly, you can save your documents and get your Scarsdale, NY business back on its feet.

4 Reasons to Restore Commercial Documents

In the aftermath of a disaster in your building, it is crucial to address damage to sensitive documents as quickly as possible. Damage from water, mold, fire, or smoke can be devastating to your business.

The best way to proceed with document restoration is to contact a professional restoration company that has the equipment and expertise to make sure that you are protecting your documents as effectively as possible.

Here are some of the benefits of having commercial restoration done by SERVPRO.

1. Specialized Equipment and Procedures

You can protect sensitive documents such as books, photographs, and paperwork by having a team of trained technicians pack up the documents and treat them with professional care. Cutting-edge technology such as gamma irradiation and freeze-drying ensures that you are doing everything you can to return your documents to a healthy condition.

2. 24/7 Service for Emergencies

Disasters such as fires and storms can happen at any time. If an alarm goes off in your building in the middle of the night, it is crucial to begin the document drying process as quickly as possible. A 24/7 emergency service ensures that you will have a team of professionals on-site no matter when disaster strikes.

3. Send Documents to a Document Restoration Facility

In addition to using the latest technology, the facility offers 24/7 surveillance and can also digitize documents quickly so that you can preserve the content of your documents.

4. Help With the Claims Process

Insurance claims for document restoration can be complicated. It is helpful to have a team of experts on hand to help you file the necessary paperwork and communicate with the insurance company effectively.

Damage to your commercial building in Scarsdale, NY can be mitigated by using a professional restoration company. By acting quickly, you can save your documents and get your business back on its feet.

Who Is Financially Responsible for an Apartment Fire?

5/23/2022 (Permalink)

Structural fire damage is the responsibility of the landlord. It includes the building itself and its electrical, plumbing and other systems.

Who Is Financially Liable For A Fire In An Apartment?

Landlords take on various responsibilities when they rent a property in Bronxville, NY. They must provide a safe, clean and livable space for their tenants. Keeping up with maintenance, repairs and safety codes is part of a landlord's duties. Paying the mortgage and property taxes is also necessary. Property insurance is vital, too, and if your property experiences an apartment fire, it's good to know what damages landlords must cover.

Landlord Duties After a Fire

Immediately following a fire, landlords should take care of some urgent tasks:

• Contact your insurance agent to file a claim.
• Call a fire restoration company to secure your property from further damage and begin repairs.
• Check on your tenants to ensure they have received medical treatment. Ask them what they know about the fire.
• Check with a fire officer before entering the property with your tenant to collect belongings and assess the damage.

Financial Responsibility for an Apartment Fire

Once the initial shock is over and your tenants have temporary housing, repair work can begin. You may have questions about financial responsibility.
Structural fire damage is the responsibility of the landlord. It includes the building itself and its electrical, plumbing and other systems. Landlords are not liable for the tenant's personal belongings. Tenants should have renter's insurance to cover their items.

Your property insurance policy typically covers your portion of the damage. If the fire resulted from the negligence of your tenants or their guests, they must be accountable for paying the deductible and your out-of-pocket costs. It's a good idea to explain this in the lease agreement so that if you have a fire, there's no question about responsibility. Typically, your insurance company reaches out to the tenant's insurance company to seek liability compensation.

An apartment fire is something landlords prefer to avoid. However, knowing what to do in an emergency helps you be prepared if the unthinkable happens.

What To Expect During Commercial Fire Cleanup

5/17/2022 (Permalink)

If a fire disaster occurs, it is important to know who to call for your commercial fire cleanup and restoration needs! Call SERVPRO!

What To Expect When Cleaning Up After A Commercial Fire

After a commercial fire, business owners in Eastchester, NY, face many challenges. As the fire crews drive away, you have the daunting challenge of cleaning the water and smoke damage left from rescue efforts. Over the next few weeks, turn to experts in fire remediation services to assist you in the fire cleanup process. These professionals should complete the following stages, focusing on restoring and sanitizing the premises.

1. Immediately Secure the Facility

The fire created moisture and soot damage, possibly leaving you with drenched and crumbling structures. However, additional secondary conditions could set in if the experts do not defend the property from other future hazards. The remediation crew evaluates the team for possible exposures, such as openings within the walls and roof. Once identified, workers fortify the vulnerabilities with thick plywood and tarps.

2. Determine the Extent of Water and Smoke Damage

Before cleaning begins, the specialists perform tests to learn more about the fire's structural impact. Using moisture reading tools, employees determine the amount of saturation. In addition, they assess concerns with odor, smoke and ash. Using this information, professionals develop a thorough plan to remediate the property.

3. Tend to the Fire's Harm

Water hoses quenched the blaze; however, it also penetrated porous objects such as papers, cloth, drywall and carpeting. Before completing the smoke cleaning, the restoration staff tends to this concern. Fluid and organic material serve as a host for fungus, allowing spores to reproduce and spread within days. To mitigate this trouble, the crew must dry out the property immediately. They use air movers and dehumidifiers to extract the dampness. In addition, they may tear out pieces and remove contents that cannot wholly air out.

Once specialists complete this phase, they rely on sophisticated equipment to scrub the premises, removing soot stains. In addition, they use innovative technology such as fogging equipment and air scrubbers to deodorize rooms.

Fire devastates building structures, creating many problems for owners. Remediation professional services can handle the cleanup process, from securing the premises to managing the smoke damage.

What You Should Expect From a Fire Damage Estimate

5/16/2022 (Permalink)

Our SERVPRO team is in action on a commercial fire cleanup job. Our crew is working hard to clean up the smoke damage left behind after a fire.

What To Look For In A Fire Damage Estimate

After a business fire in your facility in Eastchester, NY, you are likely looking for a little clarity. Even after a small fire, your building probably looks like a disaster zone with burned walls and soot and smoke damage everywhere. One of the first steps toward recovery is receiving a complete and understandable estimate of restoration services from a trusted fire mitigation company. This important document should tell you a lot of things about the costs and time frame for the cleanup.

A List of Fire Damage Services

A vague document with few details probably raises more questions than it answers. You deserve clarity at this time, and the bid for services document should cover the status of the following typical restoration services provided after damage by fire:

• Fire board up services
  
• Roof replacement
  
• Security provisions
  
• Damage restoration
  
• Smoke and fire odor removal
  
• Debris removal

The document should also include the name of a contact person, a project manager who oversees the entire process. This is who you will contact when you have questions or concerns. The estimate should also provide details on how long each stage should last, anticipated expenses and costs, and any additional services that could become necessary.

A Transparent Process

Many benefits exist for working with a full-service contractor after a commercial fire. The project manager should be involved in all aspects of the restoration process so you won't have to deal with multiple contractors who can't see the overall picture. This makes the process simpler, especially when it comes to dealing with the insurance company, which could result in a faster and more accurate claims settlement. In most cases, working with one contractor speeds up the cleanup and also results in lower expenses. 

An accurate and complete estimate can take away some of the stress of dealing with the aftermath of a fire. It also means your company is one step closer to recovery.

How To Conduct an Emergency Drill in a Commercial Building

4/27/2022 (Permalink)

Judge your fire drill based on how long it takes everyone to evacuate the building and shut down the equipment

In A Commercial Building, How Do You Conduct An Emergency Drill?

A fire drill does not only prepare you and your employees for potential blazes in your commercial property. It can also help everyone learn how to evacuate the premises during major storms that damage the building.

Drills alert you to potential issues so you can correct them before an actual emergency occurs. Ideally, you should hold storm drills for your Elmsmere, NY, building at least twice annually. Here are some tips for making the most out of these drills.

1. Make an Evacuation Plan

Before you hold your next drill, ensure everyone in the office knows and understands the evacuation strategy. Map routes to the nearest exits and highlight the locations of the alarms. You should also create a communication system that keeps each employee informed about the status of the storm.

2. Set Goals

Judge your fire drill based on how long it takes everyone to evacuate the building and shut down the equipment. Set a realistic time frame for the completion of the drill and try to meet or beat that goal.

3. Rehearse

Start by doing a walkthrough of the drill with members of the emergency response team. Then hold the drill with as many of your employees as possible.

Once everyone has mastered the basic evacuation strategy, try adding some obstacles such as broken elevators and blocked stairwells. To make the drill even more realistic, have a designated employee practice calling 911 and/or cleanup and restoration professionals.

4. Observe

Have a few members of your team observe the drill in its entirety. They should specifically look for behaviors or problems that could be dangerous during a real storm. These individuals can then hold a debriefing after the drill to discuss anything that went wrong.

The above steps should help you run an efficient and effective fire drill. This way, if a severe storm forces you and your employees to evacuate, everyone will understand what to do.

3 Tips To Prevent a Dryer Fire

4/25/2022 (Permalink)

Make sure that birds, insects, or other animals do not build nests that could obstruct the exhaust vent. A clogged vent could lead to a lint fire.

Three Ways To Avoid A Dryer Fire

If you’re like most people in Yonkers, NY, you probably use your clothes dryer at least a few times per week, but when was the last time you cleaned out your dryer’s exhaust vent? According to the U.S. Fire Administration, clothes dryers cause approximately 2,900 home fires each year. The top cause of those fires is excessive lint buildup due to inadequate cleaning. Follow these tips to keep your dryer in good condition and reduce your risk of a lint fire.

1. Keep Up With Regular Dryer Maintenance

Make sure to clean your dryer’s lint filter every time you use the dryer. Every three months or so, remove any built-up lint from the back of the dryer and clean out any that has accumulated in the vent pipe. Twice a year, brush the filter thoroughly with a nylon brush to remove difficult lint fibers.

2. Remember To Check Your Outside Dryer Exhaust Vent

Nearly all dryers are required to vent to the outside of your house. Keep a cover on the outside vent opening to keep dirt and rain from entering the vent. Check the cover occasionally to be sure it opens fully when the dryer is running. Make sure that birds, insects, or other animals do not build nests that could obstruct the exhaust vent. A clogged vent could lead to a lint fire.

3. Call a Professional if Problems Arise

If you discover any unusual sounds or smells coming from your dryer or notice that your clothes are taking longer than usual to get dry, don’t wait for an inconvenience to develop into a major problem — or a dryer fire. Call a repair person who is licensed to work on your model of dryer. The cost to repair your dryer correctly will almost certainly be less than the fire cleanup costs after a home fire caused by a malfunctioning dryer.

Following these tips requires a small investment of time and energy. However, preventing a lint fire from destroying your home is well worth the extra effort.

Why Local Disaster Cleanup Is Fast and Effective

4/20/2022 (Permalink)

When it comes to disaster cleanup, SERVPRO is the number one choice of most insurance companies.

Why Is Local Disaster Cleanup So Quick And Efficient?

Commercial emergencies such as flooding, storm damage and fire often require a rapid response from a team of experts. When it comes to disaster cleanup, SERVPRO is the number one choice of most insurance companies. At any hour of the day or night, these pros are Faster to Any Size Disaster, outshining the competition in all of the following ways:

1. Locally Owned and Operated

When emergency water cleanup is needed in Fleetwood, NY, business owners want to work with a local company that has a good reputation. Supporting local businesses is a top priority for most business owners. Likewise, professional work and results are a major concern. Commercial business owners are more likely to use a water damage restoration company in their community such as SERVPRO that can boast these important credentials:

• Trained professionals
  
• Experienced staff
  
• Proper equipment
  
• Local management
  
• Timely services

2. Nationally Recognized

Although SERVPRO branches operate at a local level, the brand and services are nationally recognized by the average commercial establishment owner who knows they are Faster to Any Size Disaster. With over 1,700 franchisees across the nation, there is no doubt that the company is considered the best in the business. Along with the well-known company name comes a reputation for dependability and unsurpassed disaster cleanup.

3. A Preferred Vendor for Most Insurance Companies

When working with their insurance provider, commercial clients know that SERVPRO is a preferred vendor for both national and local insurance companies. As business managers go to file an insurance claim for flooding, fire, mold or other damages, they want to choose a restoration company that is recognized by their insurance provider and that gets the job done right.

As a locally operated facility, employees live within the community they serve. This means SERVPRO professionals can get to the disaster site more quickly to resolve the problem. Learn why these franchises are both trusted and revered by local clientele because of the ability to be Faster to Any Size Disaster.

Tips To Reduce Commercial Damage and Loss

3/12/2022 (Permalink)

Our SERVPRO of Scarsdale/Mount Vernon team is in action on a commercial fire cleanup job. If you need help, just call us today!

Tips For Minimizing Commercial Damage And Loss

If you are suffering from devastating damage to your commercial building in Yonkers, NY, it is critical to act quickly. Finding a restoration service that has professionals standing by all hours of the day and night is crucial to reduce damage and loss. A quick response to the problem is important when you submit an insurance claim as well.

Reduce Claim Costs with SERVPRO

Restoring property is always preferable to replacing it because it keeps expenses down. SERVPRO understands this process. Each professional is trained to follow certain steps aimed at reducing the costs associated with your claim.

Pretesting - An expert will examine the property to determine what can be restored and what must be replaced.

Claims Inventory - The inventory list itemizes the materials, furniture and equipment that you have lost, along with pictures of the more important items that can’t be saved.

Electronic Claims Files - Insurance claim information is stored in a database to help your adjuster determine an accurate accounting of the costs in restoring the property.

Assure That Professionals Are Properly Trained

SERVPRO professionals go through a rigorous, self-paced training program to properly restore your property. There are a number of certification programs available to employees, including modules in fire and water restoration, carpet and upholstery cleaning and crew training.

SERVPRO franchises are individually owned and operated, but each one also has access to corporate training and materials. Approved as a training facility for the Institute of Inspection, Cleaning and Restoration Certification, corporate classes are offered all year in water restoration, fire restoration, applied structural drying and carpet cleaning.
Training at the corporate facility is also available to new franchises in mold mitigation and fire and water restoration.

These training programs and cost reduction techniques are among the many reasons your insurance agent is likely to prefer you to work with a SERVPRO franchise.

Before you file that insurance claim, make sure you are working with a professional.

3 Common Causes of a Lint Fire in Your Dryer

3/7/2022 (Permalink)

Contact your local fire damage restoration service if there has been a fire in your home due to lint. Contact SERVPRO, we are ready to help you!

The 3 Most Common Causes Of A Dryer Lint Fire

Homeowners in Mount Vernon, NY, whose dryers are no longer functioning, should think twice before purchasing a new appliance. Lint buildup is a common cause of a malfunctioning dryer. It is also a lint fire hazard that may go unnoticed for years. Lint can accumulate in places where it is hard to spot, such as:

• Dryer vents
  
• Inside the dryer
  
• Behind the dryer

Lint is made up of small thread particles, such as wool or cotton, that easily combust. These three common causes of a dryer fire should be prevented.

1. Failure to Maintain the Dryer Vent

Experts recommend that you service your dryer at least once a year to prevent a lint fire. Fluff and fuzz can fill the exhaust hose and dryer vent. An appliance that no longer dries your clothes is a sign that the vent is clogged. When the lint has no exit, it will eventually fill the vent until it has no other escape except into your home.

2. Lint Inside the Dryer

You should clean your lint filter before and after each use of your dryer. Lint is visible on the filter but can hide inside of the dryer as well. When you remove the filter, peer inside of the housing to make sure no fluff is left behind. If you see buildup inside of the filter housing, clean it thoroughly with a vacuum cleaner to prevent a dryer fire.

3. Lint Behind the Dryer

Lint hidden behind the dryer is a sign that the vent needs to be cleaned. Any spark near the lint can cause a house fire. To prevent this, clean behind your dryer regularly to keep lint buildup at a minimum. Then, contact a professional to service your dryer annually.

Contact your local fire damage restoration service if there has been a fire in your home due to lint. Taking preventative measures, such as yearly dryer maintenance, will keep your house safe from a lint fire.

Concepts To Understand When Dealing With Business Interruption Insurance

3/3/2022 (Permalink)

Businesses can be disrupted by a variety of disasters, including severe flooding.

When It Comes To Business Interruption Insurance, There Are A Few Things To Keep In Mind.

Many different disasters, such as severe flooding, can result in business interruption. Whether the water comes from a broken pipe or a hurricane, your company will probably need to shut down while a water remediation company fixes the damage. If you find yourself in this situation, it is important to know the various terms you will find on your business interruption insurance policy.

Business Income

Your policy will cover reduced business income that is a direct result of the flooding. Business income is calculated using:

• Typical net income
• Normal operating expenses

Actual Sustained Loss

This type of insurance covers your Scarsdale, NY, business from any actual loss sustained due to flooding. This means you will only receive funds if you experience a disaster that directly contributes to your inability to run your business for enough time that you experience a loss of income. However, the amount of funds you receive is subject to the specifics of your situation.

Period of Restoration

Insurers are only responsible for your income that was lost during the period of restoration. This is the time from when the damage occurs to when the building should reasonably be operational again.

Extra Expense

Sometimes, business interruption insurance can be used to cover any extra expense. These are expenses incurred during the period of restoration that you would not have experienced if your business had been operational.

Service Interruption

Certain policies will allow their clients a service interruption extension for their period of restoration if they do not have the necessary utilities to operate their business. This extension does not require that clients name the utility providers as an added insured on their policy.

Understanding these crucial terms is critical to knowing whether your interruption insurance will cover the time you were shut down due to large water damage or another disaster. Make sure you read about these terms and your policy before trying to file a claim.

What To Do If A Pipe Breaks

2/10/2022 (Permalink)

Our team is quick to respond to this flooded home. After a pipe malfunction, our team showed up with extractors and began to mitigate the damage.

What Should You Do If A Pipe Bursts?

A pipe with weak points or a pipe under pressure often goes unnoticed until it breaks. Bursting pipes require the assistance of a water restoration specialist. Professional technicians not only fix the broken pipe but also clean up the flood waters to help you avoid mold. When a pipe breaks in your home in Scarsdale, NY, the following steps can help you get your home on the road to recovery as quickly as possible.

1. Stop the flow of water. The sooner you can arrest the flood at its source, the smaller the flood will be. Every minute counts when it comes to preventing extensive water damage. Shutting off the main water valve won’t repair the damaged pipe, but it can help to minimize the amount of cleanup that is required.

2. Call the professionals. Enlisting the services of experienced technicians to deal with bursting pipes and their aftermath is crucial to preventing further damage. Flood restoration specialists can remove excess water and dry out the flooded area. It is important to start this process as soon as possible to prevent the growth of mold. If your home in Scarsdale, NY, is left untreated after a flood, you are welcoming spores to settle and multiply on damp surfaces.

3. Document the damage. While you are waiting for the repair technicians to arrive, take pictures and make a list of everything that needs to be repaired or replaced. Fight the urge to clean up the mess before you do this. Your rushed efforts could leave you with insufficient evidence of the problem when you file an insurance claim, and if the water is contaminated, it could spread harmful bacteria or make you ill. It’s best to leave the cleanup to the experienced professionals.

Bursting pipes require immediate action. If a pipe breaks in your home, enlisting repair services quickly to fix it and clean up the mess can significantly minimize the damage and further complications.

SERVPRO: Helping Insurance Agents Through the Claims Process

2/10/2022 (Permalink)

SERVPRO has created the Claims Information Center that utilizes the ReportER database to help agents prepare and rectify claims.

SERVPRO Is Here To Assist Insurance Agents With The Claims Process.

There is a new way to research an insurance claim, and it is being offered to insurance agents through one of the highest rated disaster restoration firms in the Tuckahoe, NY, area. SERVPRO has created a claims database to help restructure the approach to claims research. The system helps agents quickly and efficiently appraise claims to help move the approval process along.

1. Claims Information Center

The Claims Information Center or the CIC is a collection of claims information for any insurance agent performing research. Agents can research by the type of claim or the cause of loss and find regional and localized information, helping them better prepare their assessment.

2. Claims Database

The actual database used by the CIC system is ReportER. When an insurance claim or estimate is created, it is uploaded into the system where it can be monitored by the insurer as it progresses from an estimate to a work in progress and finally a completed job. All of this information is accessible through the Managed Dashboard.

3. Management Dashboard

The Managed Dashboard is an agent’s way of keeping tabs on claims and ensuring that progress is being made. The dashboard also acts as the entry point into the CIC system, allowing insurers to research and compare different estimates and outcomes.

The insurance claim process can be complicated for agents. They are having to juggle multiple claims every day and having to research those claims to ensure accuracy. SERVPRO has created the Claims Information Center that utilizes the ReportER database to help agents prepare and rectify claims. While the research alone makes this tool priceless, it is the managed dashboard where agents will find the most use. This dashboard allows them to organize claims by the level of completion and helps them to organize their research. The CIC system truly helps to make a difficult process tolerable.

Mold and Mildew: Bad Smells and Where To Find Them

1/27/2022 (Permalink)

SERVPRO has the expertise and trained technicians and equipment to knock out the mold in your building or any business. Call us!

Mold And Mildew: Unpleasant Odors And Where To Look

Building owners in Scarsdale, NY quickly realize that mold is much easier to smell than it is to locate. The mold smell can be strong and overpowering without being directly visible, leaving you to wonder just where exactly it’s coming from. Following is a discussion about what causes a mold smell, mildew smell, fungus smell or any variety of the three and how best to find the sources throughout your commercial property.

What Makes Mold and Mildew Odor So Distinct?

Mold and its similar species are quick to grow in areas with a lot of moisture and humidity. Mildew and mold thrive in such places as they’re both different kinds of fungi that need the presence of water to survive and multiply. These fungal inhabitants create their smells through the basic function of their existence, meaning any time they eat and reproduce the smell becomes stronger. Mildew brings less of an odorous presence with lighter, musty smells, but moldy smells become quite overbearing the more they continue to grow and spread around your building.

Where Can You Find Non-Visible Mold on Your Property?

The mold smell itself often leads you closer to its original growth point, though it’s not always an exact indicator. Thermal cameras are available these days to help find previously undetected sources of water, but mold is generally found in common areas like:

• Kitchens, bathrooms and other sources of consistent water usage
  
• Air conditioning units or water heaters
  
• The walls below leaky windows or door frames
  
• Cellars or basements where light to heavy flooding occurs regularly
  
• Refrigerators or freezers that create high condensation in dark corners

When you’re trying to find the presence of mold in your Scarsdale, NY, property, following your nose towards the mold smell is a great first step. However, remediating the fungus smell, mildew smell and any other similar odors that are harder to pinpoint requires checking these suggested places to find their non-visible locations. Once the mold is found, call remediation specialists to clear out your building.

4 Reasons To Have a Commercial Flood Policy

1/27/2022 (Permalink)

Property owners should consider these reasons to obtain flood coverage for a commercial property Tuckahoe, NY.

4 Reasons Why You Should Have A Commercial Flood Insurance Policy

Most general commercial insurance coverage excludes damage caused by flooding. The National Flood Insurance Program or an endorsement on a private policy can cover this type of damage. Here are four reasons why commercial property owners should consider taking out a flood policy.

1. A Business Is Located On a Flood Plain

The Federal Emergency Management Agency maintains flood maps that can help business owners determine whether a commercial building is located in an area prone to flooding. Most insurance providers define a flood as water damage that originates from outside water sources such as rain or rising bodies of water.

2. A Federally-Regulated or Insured Mortgage

Owners of property located in a flood zone with mortgages regulated or insured by the federal government are required to purchase and maintain flood coverage. Contact an insurance agent that offers NFIP policies or add a flood endorsement or rider to a general commercial insurance policy.

3. Owners Want To Be Prepared

If there is any reasonable risk of flooding at a commercial building, the owner of the property may want to obtain coverage for this peril. According to FEMA, the average flood insurance claim is approximately $33,000 and total property damage due to flooding tops $6 billion every year.

4. Mold and Other Secondary Damage

In addition to excluding flooding, most standard commercial property policies also cut out coverage for any secondary damage that results from this uncovered peril. Without a flood policy, it may be more difficult or prohibitively expensive to pursue mitigation and restoration. As a result, a structure may be prone to mold growth.

Property owners should consider these reasons to obtain flood coverage for a commercial property Tuckahoe, NY. This commercial insurance will apply to cleanup and restoration costs for primary damage and extend to secondary damage as long as owners do everything they can to limit damage.

3 Ways Mitigation Differs From Restoration

1/26/2022 (Permalink)

If you need mitigation or restoration service, at SERVPRO, we have the professionals to help, call us!

3 Differences Between Mitigation And Restoration

A commercial building that has suffered storm damage is likely to require mitigation followed by restoration. The owner may hire a flood cleanup company and a restoration company or rely on a service capable of cleaning up damage and completing repairs. Here are three differences between mitigation and restoration.

1. Mitigation Takes Place First

As soon as any type of damage has occurred, a building owner should contact a company that provides mitigation. Be sure to document the worst of the damage before taking any measures to clean up or prevent further damage. Restoration should take place after the structure has been cleaned and steps have been taken to limit additional damage.

2. The Goal of Mitigation Is Limiting Damage

Mitigation efforts focus on cleaning up existing primary damage and reducing the risk of secondary damage. For instance, a flood cleanup company will extract standing water as soon as possible to limit water damage and prevent mold growth. Another mitigation measure is tarping over a damaged roof to stop leaks. Restoration focuses on fixing the damage sustained by a structure.

3. Mitigation May Involve Tearing Out Damaged Materials

It may be necessary to tear out certain materials in order to limit damage. Carpet, drywall, insulation and other porous building materials exposed to contaminated water can be difficult to completely clean and dry. These materials may no longer function as intended and can increase the risk of mold. Tearing out is done to limit damage and falls under the category of mitigation. Restoration involves replacing these materials after the affected area is clean and dry.

Mitigation and restoration are both necessary to remediate damage at a commercial property in Scarsdale, NY. Rather than hiring a separate flood cleanup company and restoration company, look for a single service that has the equipment and expertise needed to complete the entire damage remediation process.