Recent Storm Damage Posts

Where Is the Post-Flood Stink Coming From?

8/27/2018 (Permalink)

Storm Damage Where Is the Post-Flood Stink Coming From? Flooding caused mold damage in a Yucaipa, CA home

Mold growth and odors are just some of the There are many obnoxious and lingering side effects that could occur in your facility after your business was the victim of damage from flood water:

  • Mold growth
  • Unpleasant odors
  • Bacterial proliferation

There are plenty of ways that the recovery pros in Yucaipa, C, handle these side effects. In fact, many professional practices are designed to recover from initial problems while simultaneously preventing future issues.

Cleaning

While it's generally a good idea to throw away all the porous items that were affected by flooding, some textile items, such as waterproof coverings, might be salvageable. Other items, such as upholstered furniture, will simply contribute to your risk of mold growth and terrible odors. Most disaster relief companies can make recommendations about what to keep and what to throw away. They also usually have partnerships with large commercial cleaners, so you can take advantage of the discounts available due to the economy of scale.

Odor Control
Trust your nose when it comes to bad odors after a flood. Residual water might start to cause a stink if it's left alone. Of course, time isn't the only thing that causes water to smell bad. If your facility's bathroom gets backed up, you'll face expensive sewage loss and the nasty smells associated with it. Acting fast according to best practices with commercial-grade antiseptics and deodorants minimizes your cost and discomfort.
Act Quickly, Clean Thoroughly
If you leave it alone, you could end up with black mold problems, insect infestation and even rodent invasion. Cleanup for these problems almost always involves several steps — and possibly multiple reoccurrences. Taking care of the flood decisively minimizes your chance of these secondary issues.
Odor, mold growth and insect problems are all frustrating secondary flood issues. You can't always see the cause, but the professionals know where to look. Work with a trusted company to make sure that you're getting the inspection and thorough initial cleanup you need to protect the future of your business.

What You Need to Know About Home Sewage Backups

8/13/2018 (Permalink)

Sometimes a sewer system in Redlands, CA becomes overwhelmed, as in the case of a storm, and there isn't much you can do to stop it. There are often there are some subtle hints of the problem before it happens. Here are some things you should know about a storm related sewer backup.

Increase Your Awareness

Sometimes rain is just too much and too fast, dumping large volumes of water on a sewer system. This is one reason that a sewer backup can happen in a home. The problem is compounded when the sewage system isn't operating at its best, but how do you know something is afoot? Well, be sure you don't dismiss some foretelling signals such as:

• Sewer gas odors
• Gurgling or bubbling in drains, sinks and toilets

Call a professional as soon as you notice these clues, so the next bout of rain water doesn't cause a major backup. If you are on a septic tank, you most certainly are responsible for any maintenance, but call your local municipality first for a sewer line problem. It may be your responsibility depending on where the problem lies.

Clean the Mess

When you do have a sewage backup that contaminates your home, you need to make sure the cleanup is done carefully. The first step is always to solve the problem that led to the backup to prevent additional contamination in your home. "Black water" is the worst category of flood water because the flood has harmful bacteria and other pathogens. This kind of flood requires special cleaning.

A professional water remediation specialist can clean a sewer backup safely and effectively. They know porous materials are best removed and disposed, but they are also able to effectively clean other parts of your home with antimicrobials to keep your family safe from the contaminated water. Experts have access to specialized equipment and training to make sure your water damage is completely clean to prevent mold growth. Visit http://www.SERVPROsouthredlandsyucaipa.com for more information on storm damage. 

Keeping Your Company Going During a Power Outage

6/13/2018 (Permalink)

In Redlands, CA a power outage can happen at any time, leaving you unable to work and susceptible to losing work progress. Waiting on electricity to be restored can take anywhere from hours to days. In the meantime, there are ways to utilize portable power to get your work done so your company stays on top of business until the electricity comes back on.

1. Install an uninterrupted power supply for each company computer. This ensures that during a power outage, you can restore your documents, save what needs to be saved, and shut down the computer safely. An uninterrupted power supply keeps the computer running off battery power when electricity is lost, buying you a little extra time to get files in order.

2. Use mobile hotspot and battery-operated devices. If your phone, laptop, and/or tablet is charged, you can continue to work for a bit even if the power is out. Just use your data plan on your phone to set up a hotspot, which you can do through the phone’s settings. When you do this, other devices can connect to the internet through the Wi-Fi signal your phone emits.

3. Move locations. With the array of portable electronic devices available today, you can set up an office anywhere. Go somewhere else where electricity is running and Wi-Fi is available, and you can get all the work done you need to. In order to make work files more accessible, invest in cloud storage so you can get whatever files you need wherever.

By taking simple steps, your company can be prepared for any power outage. A portable generator isn’t only a bulky machine now; a variety of mobile devices, tablets, and laptops are available so you can use power no matter where you are. By using these methods, you can keep your company going strong even when the power isn’t. Visit http://www.SERVPROsouthredlandsyucaipa.com for more information on storm damage

What Kind of Storm Shutters Should I Choose?

4/13/2018 (Permalink)

People who live far inland typically do not have to worry about needing storm shutters. If you live in the middle of Hurricane Alley, however, where high winds and flooding are yearly occurrences, it is probably a good idea to install storm shutters on your home. Prices of shutters vary according to quality and style. Here are a few options you might consider to protect your home during storm season.

1. Plywood

Plywood is the most basic protection you can get. Although it is heavy and not very pretty, it gets the job done in a pinch. At less than $1 per square foot, it is most likely the least expensive option.

2. Storm Panels

If you want to protect your windows and interiors during the threat of high winds but do not want to leave the panels up the rest of the year, storm panels might be the right choice for you. They cost $7-$15 each and can be removed when they’re not needed.

3. Accordion Style

These storm shutters are bolted to the sides of your windows. They are manually operated, unfolding to protect your windows from wind and rain, and their price ranges from $15-25 per square foot.

4. Rolling Shutters

This option offers protection from wind as well as insulation and privacy. They attach permanently to your home and cost $20-$30 per square foot.

5. Colonial Style

If you are interested in improving the look and privacy of your home in Redlands, CA as well as its level of protection, these shutters add a unique look to your home’s exterior. The price of Colonial-style shutters can be as low as $200 a window or as high as $500 a window depending on materials used.

6. Bahama Awnings

These shutters offer premium protection from storms and from intense heat from the sun’s rays. They can cost $200-$1000 each.

When high winds rage, you want to make sure you have shutters that protect your home. Fortunately, there are options on the market that fit almost any budget. Visit http://www.SERVPROsouthredlandsyucaipa.com for more information on storm damage. 

Tips for Checking for Mold in Your Home after a storm

3/26/2018 (Permalink)

Storm Damage Tips for Checking for Mold in Your Home after a storm The mold was found in the wall and SERVPRO responded immediately.

No one wants to think that their home isn’t safe or that it has potential hazards lurking in open or hidden areas. Your home is supposed to be a haven where you can feel protection and comfort. Regrettably, you can encounter issues such as mold growth in any type of residence. If you discover mold at home in Redlands, CA you need an indoor environmental specialist to help you get rid of it and prevent it from coming back. To help you find out whether this nasty pest is in your place, follow some basic steps.

Check Common Places

Mold can grow in a variety of places, but there are some usual suspects to be aware of. Start in your bathroom, particularly the shower and sink. Mold can live in the grout of shower tile or at the base of your toilet. Pay close attention to the pipes below your sink. These areas are often perfect places for mold to thrive. Other possible locations include:

• The attic
• The basement
• Dark, damp crawl spaces

Know What It Looks Like

Many people may think that mold is greenish in color; however, it’s usually black, white or yellow. You can identify mold by its leathery texture and spotty appearance. It also doesn’t smell pleasant; it carries a pungent odor like that of dirty socks. Make sure that when you check for mold, you wear a mask and gloves. 

Get an Expert

An indoor environmental specialist in Redlands, CA knows the typically places for mold to wreak its havoc. This expert will conduct a mold test and determine whether mold is in your home and what type it may be.

If you suspect that mold growth is occurring in your home, you should investigate likely areas of the house for this enemy. If you are not sure about what you find, environmental specialists can do a more thorough check as well as help you take care of the problem. Visit http://www.SERVPROsouthredlandsyucaipa.com for more information on mold. 

How To Stop Mold Before It Starts

12/13/2017 (Permalink)

How To Stop Mold Before It Starts

Whether your home in Redlands, California has recent water damage or not, it can be at risk of mold growth. Without immediate action, this fungus can wreak havoc on your home. However, mold remediation can be costly and time-consuming, so it’s better to avoid the issue in the first place. That’s why mold prevention is crucial.

Prevent Mold Through Home Maintenance

Some necessary home maintenance can make it more difficult for mold to grow in your home. While these tips can’t wholly mold-proof your house, they can help:

Install and use kitchen and bathroom exhaust fans
As you renovate, choose mold-resistant products
Keep your indoor humidity above 30 percent and below 60 percent
Make sure household plants don’t sit in water
Regularly clean your gutters

Your region’s climate may affect your strategy as well. Talk to a local professional to see what you can do.

Take Action When Water Is in Your Home

Unfortunately, even the best plan can’t always keep water from building up in your home and causing mold. Any time your house in Redlands, California has flooding or water damage, you are at risk for mold. You should remove the water right away to mitigate that risk.

It’s best to let a professional take care of restoration after flood damage. These teams can safely keep fungus from growing in damp areas and look for any mold that could be present.

Seek Assistance If You Find Mold

Even when you follow all the recommendations, mold growth is still possible. These are signs to look out for:

Unexplained musty odors
Visible mold
Any signs of previous problems caused by water

If you suspect mold growth in your home, call a professional restoration crew immediately. You should not handle the mold yourself because there are many tricks to doing it correctly. Whether you have water damage or not, these mold prevention tips can help keep your home fungus free. Visit http://www.SERVPROsouthredlandsyucaipa.com for more information on mold damage.

An In-depth Look at Fire Damage Restoration Process

10/23/2017 (Permalink)


An In-depth Look at Fire Damage Restoration Process

A lot can be done to protect homes and commercial establishments from incidences of fire. Unfortunately, even the best precautions cannot eliminate the risk of fire damage. Incidences of commercial fire damage and fire in homes present a huge setback to business dealings and normal living respectively. The best way to respond to any incident of fire damage is to enlist the services of a fire damage restoration company. However, the options offered by restoration companies vary significantly. That said, these article looks at the standard fire damage restoration process.

Fire damage restoration process

Emergency contact

How fast you act in the event of a fire in a business or a fire in home dictates how fast you get back to your normal life. This also applies to commercial fire damage. Thus, contact a restoration company as soon as possible. A good company should act swiftly when approached and provide instant relief. As much as it is the job of the fire service department to put out fires, you also need the services of a restoration company to ensure that there is no further damage. Water left behind by firefighters might lead to water damage. Smoke smell, smoke damage, and soot damage tend to create air quality hazards. Emergency services should be left to experts, who will help you with fire cleanup and restoration processes.

Assessment

Once the situation is under control, the next thing should be to assess the extent of the damage. The assessment process is equally important when dealing with a fire in a home just as it is in commercial fire damage. Ideally, assessment serves to look at the magnitude of soot damage, smoke damage, how far smoke smell has traveled, and how the property and the valuables in it have been affected. This is a critical step in any fire damage restoration process considering that informs the next course of action. If you had a fire insurance policy, a professional restoration company should help you identify coverages you might have and ensure you get to the pre-disaster condition smoothly.

Securing your home/ board up

Once the restoration company hits the road in earnest, their main priority should be to make things “better” than they are. For instance, if your windows and doors had been damaged in the process of outing out the fire, they should be in a position to board up the property. A board up essentially involves securing the entry points by using boards or metallic sheets to ensure there is no unwarranted access to the property and fire damage. This serves to take care of further damage, thefts, and destruction of evidence as in the case of fire in business. A board up should be among the first things done in any fire damage restoration process.

Fire cleanup

Once a board up and the assessment have been done, the next restoration involves cleaning up the mess. Part of the fire cleanup exercise involves dealing with soot damage. This serves to ensure the building looks as it was before the fire damage. Notwithstanding, these professional are expected to deal with the smoke smell, smoke damage and soot cleanup, which often involves some carpet cleaning. The other aspect of any fire cleanup process involves mitigating water damage by removing standing pools of water and drying the furniture. However, if they have been badly burnt or contaminated, the best thing might be to have them replaced.

Repair and renovation

If your furniture, cabinets, and walls had been damaged, you can either repair or replace these units depending on the extent of the damage. Most average companies offer restoration services, but a restoration company that is there for you should walk you through the renovation process. If you have just had a fire in business or at home, this can be an opportunity to renovate your property.

Commercial fire damage incidents are technically different from fire in home incidents. However, all incidents involve water damage, smoke damage, soot damage, and mitigation of smoke smell. As much as the restoration process discussed above applies in these two scenarios, fire in business should be handled differently considering that it could mean the loss of vital customer information and disruption of business activities. Irrespective, the best course of action is to hire a fire damage restoration company.
Visit http://www.SERVPROsouthredlandsyucaipa.com for more information on fire damage.

Compelling Points About Professional Storm Damage Restoration

10/23/2017 (Permalink)


Compelling Points About Professional Storm Damage Restoration

Severe weather changes can result in flooding, river flooding, storm damage, wind damage, hurricane damage, hail damage and even ice damage. When such disasters occur, huge losses may be counted individuals, families and the business fraternity.

Besides, roof repair experts have been keen to ensure that they restore such the storm damage in as a professional way as possible. Typically, the use of special tools such as flood pump may be required home restoration. Whether its roof repair from wind damage or recovery of frozen pipes among many losses, they can assist you and make the matter quite simple for you. This article provides full details on professionals storm damages.

River flooding and Flooding water restoration

Heavy rainfall can cause flooding and a roof leak. A river flooding can also lead to the flooding of a place and cause flood water. In cases where substantial rain accompanied by blowing wind, wind damages such as roof damage may occur leading to roof leaking. In this case, a roof repair expert from the storm restoration company will have to fix the roof leak. If the wind blew up the roof, roof replacement becomes necessary, ground water and flood water can likewise enter the house. This may require the professionals to use a flood pump to remove flood water. A river flooding can be expertly blocked preventing water from reaching homes.

Water damage and water restoration

Water damage is caused by ground water and flood water that may enter the building. Be it in homes or business premises, this kind of ground water damage should never be given a chance as it can cause more and more damage. When left in the building, fungi species such as mold and mildew may begin growing. These are known to be health hazardous. Water restoration and the general home restoration should start immediately led by a certified storm restoration company workers. The company you choose is very crucial as it may bring out positive results in time, delay the storm remediation process or worsen it. In most cases, a flood pump is used to drain the seeping ground water. Besides the flood pump, other drying tools may also be used. Any roof damage should also be repaired to prevent more water entry. The water damage should be restored very fast before it encounters electronic devices which may lead electro circuiting of the devices which may lead to total their destruction. Worst, it can lead to a fire breakout.

Hail damage and hurricane damage and their restoration

Hail is a form of solid precipitation. When it occurs, it often leads to roof damage (a roof leak to be precise). A hurricane, on the other hand, is a storm with violent winds, meaning that it will also cause roof damage, but in this case, the whole roof may be blown away. Wind damage can therefore also fall under hurricane damage. Whether its hurricane damage or a hail damage, roof repair is always a must. Your storm restoration company should be able to come up with the best storm remediation measures. Hail damage and hurricane damage can both lead to secondary destructions such as destruction of the household. The environment is usually at risk whenever they occur. Ice damage may at times occur as a result of hailstorms.

Ice dam, ice damage, and their restoration

An ice dam is a thick band of ice along the edge of the roof. Ice damming has been causing losses to many homes and businesses. When it occurs, the weight of the ice may bring down the roof injuring anyone in the house and destroying the household. Ice damage and an ice dam can occur almost everywhere. It can cause frozen pipes during freezing weather or in the snowy areas. Restoration of frozen pipes requires expertise from storm restoration professionals. Also, frozen pipes may lead to severe ice damming problems if not rectified immediately by ice damming. If the ice dam has taken place on the roof, the best storm remediation.is to remove it before it causes much ice damming damage.

Experts should only do storm restoration, water restoration, and home restorations activities through storm remediation. An individual or institution should always have a storm remediation. insurance cover that will protect them in cases where storm damage occurs. Even after restoration, one should still renew the cover. Remember only the restoration company can give you storm remediation for home restoration.
Visit http://www.SERVPROsouthredlandsyucaipa.com for more information on storm damage.

Getting the Most From Professional Storm Damage Restoration

9/27/2017 (Permalink)


Getting the Most From Professional Storm Damage Restoration

When it comes to home restoration after storm damage and hurricane damage, it's imperative to hire a company specializing in storm remediation. One of the reasons you need expert home restoration and water restoration professionals is because it can be difficult for you to do the storm remediation. This means that you're going to need help for the roof damage, flood damage and ice damage that was left after hurricane damage hit your area. This might also include frozen pipes, ice dams and ice damming that you know need to be rectified as soon as possible using storm restoration options and flood pumps.

If you have roof leaks from hail damage, you may also need roof repair done as soon as possible. Also, you will need expert home restoration and storm restoration professionals if you've dealt with flooding and river flooding. This can be rectified by using a flood pump for the ground water and water damage that is present. Flood water can be dealt with using the same flood pump and storm remediation. Because of your options with wind damage, it's nice to know that there are home restoration experts more than willing to assist with the water damage, ice damage, hurricane damage and flood damage. If you have any type of river flooding or regular home flooding, you need storm remediation.

Storm restoration is best left to the experts who know how to handle hail damage, water damage, flood damage and even wind damage. If you have roof leaks present, you'll need roof repair done as soon as possible to prevent any further flooding of the home. In this case, a flood pump may be used to get rid of the ground water in the home. If you have river flooding, the same flood pump will be used for the ground water. Water restoration from flood damage is best left to the pros, as they have everything needed to get the job done. Flooding and river flooding can become incredibly problematic, especially if you're also dealing with ice damming and ice dams. The water restoration people can help with this project.

Ground water from hurricane damage can result in frozen pipes, ice damming and ice dams. This is also not to mention the roof leaks you might have, resulting in the need for roof repair because of the roof damage. Storm damage and wind damage are difficult to rectify on your own, so be sure to get someone in who is specific to helping with hail damage, storm damage, wind damage, ice damage and flood water. Storm restoration does not take very long to get done, so be sure to consider this as an option when you have ice damming, ice dams and frozen pipes. Roof leaks need water restoration as soon as possible to handle the roof repair and roof damage present.

Storm damage can leave a lot of flood water, requiring a professional to come in for the ice damming, ice dams and frozen pipes. Hail damage, ice damage and roof damage are incredibly important to the functioning of the home, so be sure to hire a professional if you need to get the flood water out of the area. Now that you know how vital it is to hire such a professional, it is up to you to find someone who is going to be there for you every step of the way. This is a person who will work with you on a budget you can afford, which is essential for when you're looking to save some money. This is something that helps tremendously and enables you to feel confident in your home and its functioning. This is also important for those who might have a business themselves and need some help with what they are running. There are tons of professionals out there who can help out with what you're looking to get done.
Visit http://www.SERVPROsouthredlandsyucaipa.com for more information on storm damage.

When Flood hits Redlands/Yucaipa, SERVPRO is ready!

10/20/2016 (Permalink)

Storm Damage When  Flood hits Redlands/Yucaipa, SERVPRO is ready! your highly trained crews are ready to respond 24/7 to flood damage in Redlands/Yucaipa

SERVPRO of South Redlands/ Yucaipa specializes in storm and flood damage restoration. Our crews are highly trained and we use specialized equipment to restore your property to its pre-storm condition.

Faster Response
Since we are locally owned and operated, we are able to respond quicker with the right resources, which is extremely important. A fast response lessens the damage, limits further damage, and reduces the restoration cost.

Resources to Handle Floods and Storms
When storms hit Redlands or Yucaipa area, we can scale our resources to handle a large storm or flooding disaster. We can access equipment and personnel from a network of 1,650 Franchises across the country and elite Disaster Recovery Teams that are strategically located throughout the United States.

Have Storm or Flood Damage? Call Us Today 909-307-9700

Home Damage caused by mother nature.

10/5/2016 (Permalink)

Storm Damage Home Damage caused by mother nature. The wind is a strong battle.

SERVPRO of South Redlands/Yucaipa provides 24-hour emergency service and is dedicated to being faster to any-sized disaster in Redlands/Yucaipa. We can respond immediately to your emergency and have the expertise to handle your restoration or cleaning needs.

  • 24-Hour Emergency Service
  • Faster to Any-Sized Disaster
  • Highly Trained Restoration Technicians
  • A Trusted Leader in the Restoration Industry
  • Locally Owned and Operated
  • Advanced Restoration and Cleaning Equipment 

Have Questions? Call Us 24/7 – 909-307-9700

Residential Services

Whether your Redlands/Yucaipa home needs emergency flood damage or your upholstery cleaned, you can depend on us.  Our technicians have extensive cleaning and restoration training and can make your property look its best. Learn more about our residential services:

  • Water Damage Restoration
  • Fire Damage Restoration
  • Mold Remediation
  • Storm Damage Restoration
  • Cleaning Services
  • Building/Reconstruction Services

Commercial Services

There's never a convenient time for fire or Water damage to strike your Redlands/Yucaipa commercial property. Every hour spent cleaning up is an hour of lost revenue and productivity. So when the need arises for professional cleaning or emergency restoration services we have the training and expertise to respond promptly with highly trained technicians to get your property back to business. Learn more about our commercial services:

  • Commercial Water Damage Restoration
  • Commercial Fire Damage Restoration

http://www.SERVPROsouthredlandsyucaipa.com/

When the Storms hit Redlands/Yucaipa, Our SERVPRO team is ready!

10/5/2016 (Permalink)

Storm Damage When the Storms hit Redlands/Yucaipa, Our SERVPRO team is ready! Our highly trained crews are ready to respond 24/7 to storm or flood damage in Redlands/Yucaipa.

SERVPRO of South Redlands/Yucaipa  specializes in storm and flood damage restoration.  Our crews are highly trained and we use specialized equipment to restore your property to its pre-storm condition.

Faster Response

Since we are locally owned and operated, we are able to respond quicker with the right resources, which is extremely important. A fast response lessens the damage, limits further damage, and reduces the restoration cost.

Resources to Handle Floods and Storms

When storms hit Redlands/ Yucaipa, we can scale our resources to handle a large storm or flooding disaster. We can access equipment and personnel from a network of 1,650 Franchises across the country and elite Disaster Recovery Teams [[Click to your disaster recovery page]] that are strategically located throughout the United States.

Have Storm or Flood Damage? Call Us Today909-307-9700

 

http://www.SERVPROsouthredlandsyucaipa.com/

When Storms or Floods hit Redlands/ Yucaipa, SERVPRO is ready!

10/4/2016 (Permalink)

Storm Damage When Storms or Floods hit Redlands/ Yucaipa, SERVPRO is ready! Our highly trained crews are ready to respond 24/7 to storm or flood damage in Redlands/Yucaipa.

SERVPRO of [[Franchise Name]] specializes in storm and flood damage restoration.  Our crews are highly trained and we use specialized equipment to restore your property to its pre-storm condition.

Faster Response

Since we are locally owned and operated, we are able to respond quicker with the right resources, which is extremely important. A fast response lessens the damage, limits further damage, and reduces the restoration cost.

Resources to Handle Floods and Storms

When storms hit Redlands/ Yucaipa, we can scale our resources to handle a large storm or flooding disaster. We can access equipment and personnel from a network of 1,650 Franchises across the country and elite Disaster Recovery Teams [[Click to your disaster recovery page]] that are strategically located throughout the United States.

Have Storm or Flood Damage? Call Us Today 909-307-9700

http://www.SERVPROsouthredlandsyucaipa.com

Homeowners Insurance and Natural Disasters: What’s Covered by Your Policy?

1/11/2016 (Permalink)

Storm Damage Homeowners Insurance and Natural Disasters: What’s Covered by Your Policy? The strongest El Nino ever! Huge storm batters California with heavy rain, snow and possible mudslides.

Insurance claims associated with a natural disaster can be a bit more complicated than other home insurance claims. While your basic homeowner's insurance policy covers you for a variety of natural disasters and unexpected occurrences, there are others that are excluded.

A basic homeowners insurance covers:

  • Fire or lightening
  • Windstorm or hail
  • Riot
  • Damage caused by an airplane/vehicle
  • Smoke
  • Vandalism/malicious mischief
  • Theft
  • Damage caused by a falling object
  • Weight of ice, snow or sleet
  • Accidental overflow of water or steam or bulging, cracking or tearing from a fire sprinkler system, air conditioning system, heating system or appliance
  • Freezing of air conditioning, heating, plumbing, appliance of automatic fire sprinkler system
  • Accidental damage from artificially generated power surge

A basic homeowners insurance excludes:

  • Earthquake
  • Other earth movement (sink holes, landslides, etc.)
  • Floods
  • Other water damage (back ups or an overflow of your septic system or sump pump)
  • Hurricanes (check your policy if you live in a hurricane prone area)
  • Nuclear war or nuclear accident

In the instance of a natural disaster event, your entire community could be affected. When this happens, you may face additional stresses and complications not typically associated with other types of losses. We've compiled a few things every homeowner should know regarding natural disaster claims.

FEMA will only pay for temporary living expenses

If your home suffers damage from a FEMA declared disaster, claims still need to be made through your primary homeowner's insurance company. FEMA aid may be made available to help homeowners with temporary living expenses, but it is not meant to help individuals rebuild homes.

One disaster can be categorized as multiple events 

If your home sustains damage from a natural disaster that occurs over several days, your insurance company may categorize these occurrences as multiple events and apply separate deductibles to each. Be aware when considering your funds for emergency situations.

Flood insurance has a 30 day waiting period

Flood insurance must be purchased separately AND has a 30 day waiting period. So, if that heavy storm system is headed your way, it's already too late.

Claims following a catastrophe take a long time

Following a large scale event, insurance companies are inundated with claims and processing may take a bit of time.

Document everything!

Following a catastrophe, insurance companies often contract temporary adjusters to help deal with the high volume of claims. This means that you may deal with a variety of individuals throughout your claims process. Keep track and document everything so that your claims process can be as smooth as possible, regardless of who you deal with.

You may be underinsured 

Get at least two opinions on the replacement value of your home so that you can be sure that your policy will cover the cost of rebuilding should disaster strike.

Wildfires = Home fires

Insurance policies don't differentiate between a wildfire and a regular home fire. The difference, unfortunately, is that wildfires often result in a total loss.

SOURCES: insure.com, homesite.com

Homeowners Insurance and Natural Disasters: What's Covered by Your Policy?

12/23/2015 (Permalink)

Storm Damage Homeowners Insurance and Natural Disasters: What's Covered by Your Policy? Wind, Earthquake, Flood, and Fire all pose a problem in any Natural Disaster event.

 Insurance claims associated with a natural disaster can be a bit more complicated than other home insurance claims. While your basic homeowner’s insurance policy covers you for a variety of natural disasters and unexpected occurrences, there are others that are excluded.

A basic homeowners insurance covers:

  • Fire or lightening
  • Windstorm or hail
  • Riot
  • Damage caused by an airplane/vehicle
  • Smoke
  • Vandalism/malicious mischief
  • Theft
  • Damage caused by a falling object
  • Weight of ice, snow or sleet
  • Accidental overflow of water or steam or bulging, cracking or tearing from a fire sprinkler system, air conditioning system, heating system or appliance
  • Freezing of air conditioning, heating, plumbing, appliance of automatic fire sprinkler system
  • Accidental damage from artificially generated power surge

A basic homeowners insurance excludes:

  • Earthquake
  • Other earth movement (sink holes, landslides, etc.)
  • Floods
  • Other water damage (back ups or an overflow of your septic system or sump pump)
  • Hurricanes (check your policy if you live in a hurricane prone area)
  • Nuclear war or nuclear accident

In the instance of a natural disaster event, your entire community could be affected. When this happens, you may face additional stresses and complications not typically associated with other types of losses. We’ve compiled a few things every homeowner should know regarding natural disaster claims.

FEMA will only pay for temporary living expenses

If your home suffers damage from a FEMA declared disaster, claims still need to be made through your primary homeowner’s insurance company. FEMA aid may be made available to help homeowners with temporary living expenses, but it is not meant to help individuals rebuild homes.

One disaster can be categorized as multiple events 

If your home sustains damage from a natural disaster that occurs over several days, your insurance company may categorize these occurrences as multiple events and apply separate deductibles to each. Be aware when considering your funds for emergency situations.

Flood insurance has a 30 day waiting period

Flood insurance must be purchased separately AND has a 30 day waiting period. So, if that heavy storm system is headed your way, it’s already too late.

Claims following a catastrophe take a long time

Following a large scale event, insurance companies are inundated with claims and processing may take a bit of time.

Document everything!

Following a catastrophe, insurance companies often contract temporary adjusters to help deal with the high volume of claims. This means that you may deal with a variety of individuals throughout your claims process. Keep track and document everything so that your claims process can be as smooth as possible, regardless of who you deal with.

You may be underinsured 

Get at least two opinions on the replacement value of your home so that you can be sure that your policy will cover the cost of rebuilding should disaster strike.

Wildfires = Home fires

Insurance policies don’t differentiate between a wildfire and a regular home fire. The difference, unfortunately, is that wildfires often result in a total loss.

SOURCES: insure.com, homesite.com

By Jeff Padgett