Fire Damage and Revenue Loss
After a business fire, it is important to contact an experienced fire mitigation team to return your facility to its pre-fire condition. Call us!
Damage To The Property And Loss Of Revenue
If your company in Mentone, CA, experiences fire damage, there is a good chance that your business operations will suffer. This could mean that your income from sales and services could decrease, making it hard to meet your financial commitments. Soot and smoke damage, as well as water damage from fire fighting efforts, can make a building unsuitable for use for days, weeks or even months. A strong interruption insurance policy provides coverage for this difficult situation.
The Need for Insurance
Your company knows that standard insurance is essential to protect against property damage from a disaster. In some cases, the temporary loss of a steady income stream is just as expensive as the property loss from a fire. This makes business interruption coverage vital for the success of your company.
The Features of Interruption Insurance
As with other insurance products, you can customize this type of insurance for the specific needs of your business. In many cases, interruption protection provides the following benefits and coverages:
- Replaces lost income as the result of property damage
- Covers operating expenses and loan payments
- Pays for a move to a temporary location
- Covers tax payments and company payroll
As with other policies, there could be exclusions and limits on payments. Most claims are based on the past earnings of your company from a similar period.
The Benefits of Prompt Fire Restoration
After a business fire, it is important to contact an experienced fire mitigation team to return your facility to its pre-fire condition. This is the most efficient way to make the building safe for operations. A fast response from a team that is on call 365 days a year limits damages and lets your business restore its income stream.
Interruption insurance protects your company from the financial consequences of disasters such as a fire. It can help your company survive the aftermath of a damaging fire.
Benefits of Working With a Full-Service Fire Restoration Team
SERVPRO is ready 24 hours a day, 7 days a week to respond to your water, fire or mold damage loss. Do not delay in contacting our team!
The Advantages Of Hiring A Full-Service Fire Restoration Company
If your company in Redlands, CA, falls victim to fire damage, you will have a lot to manage in the immediate aftermath. There will be consultations with your insurance company, and you will also need to manage the cleanup of your facility. It is even probable that you will have to suspend or move operations for a while.
How well you manage this challenging time can make a difference between a smooth process and a frustrating one. One way to streamline the cleanup is by choosing a reputable fire restoration franchise for the majority of the work.
The Value of a Project Manager
When you work with one company, you deal with a project manager who answers all of your questions and keeps you informed of the progress of the fire mitigation response. This makes it easy to get answers in a timely fashion. A full-service contractor with experience in fire restoration handles all aspects of the cleanup:
- Inspection of fire damage
- Creation of a cleanup plan
- Removal of water due to fire fighting efforts
- Cleanup of soot and smoke damage
- Specialty cleaning of the building
- Rebuilding of burned or destroyed structures
When you deal with multiple contractors, coordination can suffer. This could lead to misunderstandings and delays at a time when speed is critical.
The Advantage of Communication With the Insurance Adjuster
It is important to keep the lines of communication open between the insurance company and the contractor. This typically leads to a smoother claims process for payments for expenses and reimbursements for property damage. A full-service contractor can send a spreadsheet of labor and repair costs to the adjuster. When this is handled efficiently and completely, your company is likely to benefit.
Fire damage presents many challenges for your company. It is important to look for ways that help facilitate the restoration stage.
Why Insurers Appreciate Electronic Claims Services
Most insurers seek out Preferred Vendors with access to the SERVPRO Claims Information Center.
Why Do Insurers Value Electronic Claims Services?
Insurance companies process many claims every day, some of which are easier and faster to approve than others. The availability of accurate information about property damage is a determining factor for the speed and ultimate success of insurance claim approval. Find out how the SERVPRO Claims Information Center can support damage claims for properties located in Yucaipa,CA.
Reliable Access To Information
Insurance agents and adjusters must be able to access information about property damage to process a claim. All of the following elements should be included in a job file:
- First notice of loss
- Documentation of damage
- Forms and paperwork
- An itemized estimate
A notice of loss is required to file an insurance claim, as is documentation of damage taken prior to mitigation. The Claims Information Center makes all of this information available upon processing by a restoration franchise. These digitized materials and other helpful resources can be accessed online at any time through the same convenient service.
Faster Job Progress Updates
As certified professionals make progress on mitigating, cleaning and restoring damage, information about ongoing work is also updated on the Claims Information Center. An insurance agent or adjuster can check in on the status of a job at any time during claim processing.
Industry Standard Performance Comparisons
One of the best features of working with a large restoration company is the availability of information from other jobs in the same area and nationwide. Insurers can compare the performance of a franchise location to industry standards for damage restoration work.
The accuracy and availability of information are the two most important factors for successfully settling any insurance claim. Property owners may prefer to retain the services of restoration professionals who use electronic claims services for restoring homes or commercial buildings in Yucaipa,CA, and most insurers seek out Preferred Vendors with access to the SERVPRO Claims Information Center.
How To Deodorize a Smoky Home
The odor of smoke, whether from a fire or cigarettes, is a persistent issue that must be addressed by a professional. SERVPRO is here to assist you.
How To Deodorize A Smoky Residence
Home deodorization can be tricky, especially if you are dealing with smoke odor. Certain short-term solutions can trick you into thinking you have removed the odor, but the odor returns a few hours or days later. Additionally, not all permanent solutions work for every situation. The following outlines the differences among various odor removal techniques to help you choose the one most appropriate for your Yucaipa, CA, home.
When dealing with lingering odors, it is important to remove the particulates that are causing the smell rather than simply covering them up with other fragrances. The following are some common items that may cover up an odor for a little bit:
- Air fresheners
Eventually the pleasant aroma from such items will fade and the smoke odor will return. In other cases, the fragrance from the air freshener may combine with the smoke smell and create an even more unpleasant odor.
Smoke odor, whether from a fire or cigarette smoke, is a very long-lasting problem. The particulates tend to get trapped in porous surfaces and put off an unpleasant smell until they are properly removed. Fortunately, there are several methods of home deodorization that can effectively handle smoke odor, including the following:
- Air scrubbing
- Ozone treatment
- Thermal fogging
Air scrubbing filters the smoke particles out of the air.
Ozone treatments emit ozone into the area, and the ozone combines with the smoke particles to form a new particle that does not produce a smoky odor. Thermal fogging is better for areas affected by fires where the high temperatures caused surfaces to expand and trap the smoke odor. A certified restoration service can help you choose the best odor removal method for your home.
Home deodorization is often frustrating, especially if the offending smells linger for long periods or reappear. The best deodorization methods are those that permanently remove or alter the smoke particles so that they no longer emit unpleasant odors.
3 Flaws to Look for When Inspecting Your Home's Bathtub
If you have a shower pan leak, the leaked water will be added to your bill.
Three Flaws To Look For When Inspecting Your Bathtub At Home
Has your home in Redlands, CA, been having issues with the shower pan or tub? Even if not, it's best to perform regular inspections to prevent a bathtub leak or other problems. There are a few flaws that indicate bigger issues.
1. Water Stains
This one is an obvious but serious issue. If you see water stains anywhere near your bathtub, it's best to check it out. Be thorough and inspect the ceilings, floors, and walls both in your bathroom and in the adjacent rooms or hallways. This includes checking any rooms below and the surrounding carpets or rugs. If you spot any damages, you have a bathtub leak that must be taken care of as soon as possible. Call in a water damage and cleanup professional to give an estimate on the repair cost.
2. Loose Tiles
Shower tiles are great for a number of reasons. It looks nice, provides a barrier to water, and is a great indicator of other issues. If water happens to bypass the grout in the tiles or leak from the faucet, the tiles shift and sometimes crack. This happens because the water breaks the bond between the tile glue and the supporting wall. If you see this, you know for certain that you have a water leak.
3. High Water Bill
In some cases, the culprit of a high water bill isn't necessarily all those long, hot winter showers you've been taking. If you have a shower pan leak, the escaping water is charged to your bill. Of course, this is true of a leak anywhere in your home, so it's best to look for the other indicators to help narrow it down. To help keep track of your usage, keep an eye on your water meter and log the amounts in your phone or on a dedicated sticky note.
With some knowledge and the reassurance of a professional at your side, a bathtub leak is a worry of the past.
After the Flood: Where Is That Smell Coming From?
You can count on our SERVPRO team to be there for you when disaster strikes. Our team offers our emergency cleaning and restoration 24/7.
Where Did That Odor Come From After The Flood?
According to FEMA, 99% of counties in the U.S. suffered some impact from flooding between 1996 and 2019. Regardless of whether it comes from a malfunctioning toilet or a leaky roof, a flood has the potential to cause issues like mold growth and water damage. Cleaning up flood water can involve a great deal of time whether you do it yourself or employ the services of a professional cleanup service in Mentone, CA, so it can be annoying to observe a lingering odor even after the process. There are three potential culprits for a smell that refuses to leave in the wake of an unexpected surge of water.
1. Mold and Mildew
FEMA states that mildew colonies (generally used to refer to a certain kind of flat mold growth) may begin to cling to and spread across damp surfaces within only 24 to 48 hours. The fungus produces chemical compounds while propagating that release an earthy, musty scent.
Flood water is separated into three categories for recovery and restoration purposes:
- Clean water (Category 1)
- Gray water (Category 2)
- Contaminated water (Category 3)
The latter two may carry substances like chemicals. Among their contents, bacteria often reside. These may emit bad odors like the rotten egg one commonly associated with sulfur or others or their breakdown of particles may lead to them. Even after all standing water is removed and everything dried, porous materials like carpeting may retain some of the microorganisms if not properly cleaned, causing the smell to permeate the room.
Burst pipes are one of the most common reasons for flooding in a structure, and they often contain wastewater. Even if water comes from outside, it may have mixed with sewage loss from storm drains and garbage from the streets, particularly if it is overflow from a nearby body of water.
The best way to avoid unpleasant odors from mold growth and other things in flood water is to disinfect all affected areas and surfaces thoroughly as soon as possible. Consulting a professional may also help.
How To Understand General Liability Insurance and Mold Claims
Finding a mold infestation in your business can cause a bit of distress. We want to remind our clients that our team is always close by and on-call.
Mold Claims And General Liability Insurance: What You Need To Know
Navigating mold insurance claims as a service provider in Yucaipa, CA, is so complex that it's nearly worth turning in your business license. Hyperbole aside, mold is a contentious topic in the insurance world. The primary reason for this is that mold is virtually omnipresent and wreaks havoc where it lands. As such, the majority of general liability insurance policies have broad, sweeping mold exclusions. Present an insurance claim with the word "mold" in it, and your insurer is likely to wash their hands of you. Why is this and how do you protect your business?
General Liability Insurance
Basically, mold insurance claims are difficult to manage because mold itself isn't the main issue. Usually, some form of water damage occurred first, resulting in the mold growth. This could have been a flood, or it could have been caused by a construction or maintenance defect, which trigger yet other exclusions in your general liability policy. Therefore, the mold, while problematic, is not what caused the damage initially; it is secondary damage.
How to Cover a Mold Claim
So how do you cover secondary damage which needs to be addressed in the form of mold remediation by a mold remediation specialist, when your general liability policy won't cover it?
Maintain a CPL
A Contractors Pollution Liability policy covers at least part of the gap left by your GL policy. These policies, too, have their limitations, but do cover more than most GL policies.
Use the Same Company
Find a company that handles both GL and CPL policies. When both policies are housed under the same roof, you're more likely to have your mold claim covered.
Create Custom Coverage
Ultimately, some type of umbrella policy is the final piece that protects your business in mold remediation claims. Shop around and find the company that will provide you with everything that you need to keep your business safe.
Don't let mold insurance claims ruin your business. Keep up with changes to insurance coverage and ensure that you have the necessary policies to cover all of your needs.
Creating an Effective Business Continuity Plan
The only way to know if your continuity plan works is to test it. A real flood will be the true test and the best way to see if your plan works.
Developing A Successful Business Continuity Plan
Flooding and other disasters can strike at a moment's notice. Even with advanced warning, things are going to go drastically wrong. However, having a plan for these kinds of disasters can help your business recover quickly. This is why you need to create an effective continuity plan for your business. You need to take the time to outline, test, and improve it.
To start making your continuity plan, you will need to evaluate your business and note your processes, vulnerabilities, and potential losses. This step is crucial to creating a tailored plan for your business in Yucaipa, CA. From there, you can outline your plan. The things to include are:
- Scope of the plan
- Business areas
- Critical functions
- Acceptable downtime
- Plan for hiring storm remediation professionals, maintaining operations, and reopening
The only way to know if your continuity plan works is to test it. A real incident will be the true test and the best way to see if your plan works. However, a controlled test is much more comfortable for business owners and can give you a realistic sense of gaps and areas that need improvement.
You are going to put a lot of effort into creating and testing your plan. Once you complete the job, it is tempting to let your plan sit and hope for the best amid a disaster. However, if you do this, your plan could be useless when a disaster strikes, so you need to improve it after getting the test results.
This plan is crucial for businesses to recover from floods and storm damage. Therefore, you want to make sure you take the time to create an effective plan. Make sure you create a tailored plan and then test it out before a disaster hits. Keep improving it until it is thorough enough to withstand a disaster.
Candle Alternatives That Leave Your House Smelling Fresh Without the Fire Risk
The open flame from candle products opens homes to a fire risk.
Alternatives To Candles That Leave Your House Smelling Fresh Without The Risk Of A Fire
Some scent enthusiasts are candle-obsessed but are seeking alternatives for a decreased fire risk. Scent-producing products are being reconsidered by homeowners in Mentone, CA, who prefer to keep their homes safe from fire hazards. These include:
- Flame candles
- Incense burners
- Tealight wax warmers
The open flame from candle products opens homes to a fire risk. Here are some candle alternatives that will keep a home smelling fresh and free from a candle fire.
Essential Oil Diffusers
Essential oils are non-synthetic fragrant oils used for aromatherapy, candles, natural soaps and lotions. Essential oil diffusers use a blend of essential oil and water to disperse a scented mist into the air. The mechanism uses an electronic method to create vapor, eliminating with it a fire hazard. Some essential oil diffusers light up to provide an imitation flicker.
Plugins and Flameless Candles
For those wanting to create a romantic environment with the look of candles, there are flameless candle alternatives. These are often made of LED lights and a wax or plastic base. They are battery-powered and can be purchased with remote controls. Some are also made with a timer installed for automatic shut-off. Flameless candles can be paired with plugins for scent.
Electric Wax Warmers
Wax warmers are usually made of a ceramic base that holds scented wax cubes to diffuse the scent without the flame. Some are made to warm the wax with a tealight candle. It is important to purchase an electric wax warmer to keep a house protected from open flames. Like diffusers, wax warmers can be purchased with a flicker option.
Candle alternatives are an excellent option to create an enhanced home environment without the hazard of an open flame. Like candles, they provide homeowners the option of infusing scent into their homes. In case of a candle fire, contact a local fire damage restoration service to repair and restore damaged property.
How To Prepare for an Adjuster’s Visit
Contact disaster mitigation services and building contractors to provide official estimates for the cost of cleaning up and restoring your home.
How To Prepare For A Visit From A Claims Adjuster
If you’re filing an insurance claim for damage to your home, your insurance company will require that a home adjuster, who is professionally trained to assess damage for insurance claims, review the domicile. While insurance companies are happy to send adjusters that work for them, you can also hire your own public adjuster in Redlands, CA, to do the assessment.
Either way, your claim will be most successful if you prepare for the adjuster’s visit in advance. In general, the more information and evidence of damage you can provide to the adjuster, the more likely your insurance company is to pay for damages. Follow these basic steps to get ready for an adjuster’s visit.
1. Make a Visual Record of All Damage
Take photographs or videos of all the damage in your home. This includes damage to possessions like electronics, furniture and carpets as well as structural damage to walls, floors, sheds and swimming pools. This provides irrefutable evidence of the damage. Make sure you don’t throw anything away or make any permanent repairs until after the adjuster’s visit.
2. Take a Complete Inventory of Damaged Items
At the least you’ll need to make a list of everything that was damaged. Information should include the make and model, the item's age and the condition it was in before it was damaged. If you have purchase receipts you should gather these together and give them to the home adjuster.
3. Get Estimates for Clean-Up and Repairs
Contact disaster mitigation services and building contractors in Redlands, CA, to provide official estimates for the cost of cleaning up and restoring your home. Give these estimates to the adjuster along with the inventory and visual record of damages. By providing evidence for how much everything will cost, you’re making it clear to your insurance company what needs to be paid for.
Before a home adjuster comes to assess damage to your home, make sure you have made detailed records of the damage. This means you can point it out to the adjuster and provide documentation of what everything is worth and how much it will cost to repair or replace.