Insurance Claims on Water Damage
Water damage is a common insurance claim among home owners. If you are about to make a claim on water damage to your home it’s good to know what to expect. There are some items that homeowners generally have an easier time making claims for than others.
There are some losses that homeowners typically run into problems when trying to make a claim to their insurance company for. These include loss that resulted from gradual damage. Gradual damage is anything that happened over the course of a prolonged period, as opposed to an accident, or a sudden damage, which happens as the result of one single event.
Loss such as leaky ceilings due to plumbing defects, water damage caused by cracks in the foundation, and in some cases, mold, fall under the category of gradual damage. These things are generally not covered by insurance. However, there may be some exceptions. For example, if mold was the result of another claim that was covered under insurance, but was not properly fixed, the insurance company would likely cover it.
On the other hand, if the water damage is sudden and accidental you’ll probably have a much easier time getting covered for the damages. This is the true nature of insurance – to cover accidents. Of course everything is dependent upon the language of the policy that you purchased, but this is the very nature of insurance: coverage for sudden and accidental loss. A good practice for homeowners is to keep a record of all repairs and transactions for services that are made to your home.
At SERVPRO we are not only experts at restoring your home as if it never even happened, we are also experts at dealing with insurance companies. Contact us to learn more about how we can help you through the entire recovery process today!
Water Damage Tips
Anyone who has had the misfortune of experiencing water damage whether from a flood, malfunctioning appliance, or any other source can tell you that it poses a real problem. This is because it damages to not only your home and potentially your finances, but in many cases it also can damage the sentimental items that you can’t put a price tag on. For that reason it’s a good idea to know the cause of the damage. However, if you cannot avoid it then here are some tips on what to do once you have been victimized by it.
The first concern should be the safety of all persons in the affected home or area. Some of the most common causes of injury that we see after water damage to a structure include slip hazards, and electrical shock due to careless handling of home appliances that have been damaged by water. On this note, don’t just go about your day as you would normally. Avoid kitchen appliances, and avoid tampering with major electrical devices that are connected to the building until authorities have deemed that it is safe to do so. This includes ceiling fans, lights, and televisions.
The next concern should be the cleanup process. Depending on the severity of your damage you may need to contact the local authorities, and insurance provider, but eventually they will most likely get a SERVPRO crew out to your location to fix it up.
Learn more about your options regarding water damage, or any of the other services that we offer at SERVPRO®. If you find yourself dealing with a disaster, and need emergency repair, contact us today. We are faster to any size disaster!
What To Expect: WATER
SERVPRO of Chevy Chase/Silver Spring is available 24 hours a day for water emergencies, large or small. When you are dealing with water damage, immediate action is crucial. A delay of just a few hours can greatly increase the severity of the water damage.
We Answer the Phone Ready to Help
Call Today -301-588-2240
We understand that when you call us, you may be feeling confused, stressed, and vulnerable. You need an expert to guide you through this crisis. SERVPRO of Chevy Chase/Silver Spring has the specific water damage training and experience to help you through this tough time. We specialize in water damage restoration—in fact, it's the cornerstone of our business.
What to Expect
When you call, we will ask several questions regarding your water damage emergency. These questions will help us determine what equipment and resources to bring, including how many trained SERVPRO Professionals may be needed.
Our SERVPRO Representative will ask several questions:
- Your name and contact information
- Your insurance information (if applicable)
- The street address of the water-damaged home or business
- When did the flooding or water damage occur?
- What caused the water damage (if known)?
- Is there electricity available (on-site)?
About SERVPRO of Chevy Chase/Silver Spring
SERVPRO of Chevy Chase/Silver Spring specializes in the cleanup and restoration of residential and commercial property after a fire, smoke or water damage event. Our staff is highly trained in property damage restoration. From initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property.
You may wonder what causes the most fires in the United States. Let me tell you what that would be--electrical fires are the most common cause of household fires across the United States. Home and business owners must carefully watch extension cords, chargers, and cords that plug into the wall from TVs, etc. If an electrical cord is old or beings to fray, immediately change it out! If home owners keep a close watch over cords and electrical equipment, it will lessen the chance that your equipment would cause a fire in your own home. If you live in an older home or have a commercial business in an older facility, it may be worth your while to have a licensed electrician come in to check your outlets and any wires he or she can get to in your home. Over time, wires can fray which could lead to a fire. If a fire does occur and you need assistance, call SERVPRO of Chevy Chase/Silver Spring at 301-530-7400. Always here to help. 24 hours a day, 7 days a week, 365 days a year.
This hotel experienced pipe bursts due to freezing weather.
SERVPRO of Chevy Chase/Silver Spring , MS, is an IICRC firm. The Institute of Inspection, Cleaning and Restoration Certification (IICRC) creates the standards for the restoration industry and provides training and certification to restoration companies. IICRC Certified Firms have the right to display the IICRC Certified Logo.
IICRC Certified Firms must
• Present accurate information to consumers and conduct business with honesty and integrity.
• Require a technician on all jobs who has been formally trained and passed all required tests.
• Require a continuing education program to keep technicians up-to-date on the latest changes in the industry.
• Maintain liability insurance to protect all parties in the event of an accident.
• Maintain a written complaint policy and agree to Better Business Bureau or similar arbitration to resolve disputes, and accept the conclusions and recommendations of arbitration.
The IICRC Develops The Standards For The Restoration Industry
The IICRC has been the driving force in establishing the main industry standards and reference guides for professional carpet cleaning, water damage restoration and mold remediation. These IICRC standards take years to develop and require the coordination of experts in the field: manufacturers, industry organizations, insurance professionals, training schools, contractors, and public health professionals.
Every five years, the standards are reviewed and updated. The water damage restoration field changes rapidly with advancements in technology and science, and therefore the standards must evolve to keep pace.
About SERVPRO of Chevy Chase/Silver Spring
SERVPRO of Chevy Chase/Silver Spring specializes in the cleanup and restoration of residential and commercial property after a fire, smoke or water damage event. Our staff is highly trained in property damage restoration and we are an IICRC Certified Firm. We believe in continuous training: from initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property.
How to Know you have Hired the Professionals
At SERVPRO of Chevy Chase/Silver Spring there is a team of certified and trained technicians who perform mold remediations of any size, and any property time. Whether it be small, large, a home or a commercial building, they are here to help you! Although there are many companies that can perform the work, it is important to remember the following notes to ensure you have hired a professional team, that is reliable and going to treat the affected area properly to return it to its original state.
- All technicians should be properly dressed in PPE (Personal Protective Equipment), including Tyveks, gloves and respirators.
- Mold spores can get into other areas of the home, or in the HVAC system and cause issues elsewhere. That’s why it is important for large mold areas to be contained with the proper material and if large enough a negative pressure system will be placed.
- All chemicals used in your home should be properly labeled and identified. Let your technicians know if you have any known allergies.
SERVPRO of Chevy Chase/Silver Spring can ensure that if you choose to use them, you are choosing a team of technicians with integrity whom care for the health and well-being of your family, and home.
Please give us a call for more information at (301)-588-2240
What you Need to Know to Keep your Family Safe from a Fire
SERVPRO of Chevy Chase/Silver Spring is an independently owned and operated franchise, in which was started by family. We understand the significance of keeping our family and loved ones safe to prevent any tragedies. Follow the tips below to ensure your smoke detectors are operating to their full potential.
- Batteries in a smoke detector should be replaced every 6 Months
- Clean off any dust on the unit as it may interfere with the sensor
- Test your smoke alarm to ensure that it is working properly
- Discuss with family members on a fire escape plan
In the event of a fire or smoke damage, please call SERVPRO of Chevy Chase/Silver Spring to help get your home or property back to normal.
Call us at (301)-588-2240
When you have water damage, you will quickly decide “Do I need help?” and “Who do I call for a flood?”
Consider these common scenarios: A second floor supply line leaks and water pours through the downstairs ceiling and soaks hardwood floors; A pipe bursts on first floor and water soaks carpets and the tile on the kitchen floor; You come home to a house soaked with humidity with wet walls, saturated a saturated ceiling and standing water in the basement.
Clearly in these cases, you call SERVPRO Chevy Chase/Silver Spring for help.
But what if the damage is not as obvious and you are tempted to mop, towel and fan. Here are a few things to consider:
Wet Seeks Dry: This means that water is always trying to seep into dry building materials and contents. Depending on how long the water has been there the moisture can cause warping, delamination and the staining. Just as it takes time for moisture to find its way into flooring and drywall, it takes time and a strategy to get the water back out. The Experience, Education and Equipment of a professional mitigation company are often required.
Secondary Damage from a Water Loss Can Exceed the Original Damage: The Insurance Industry has a thick book of suggested guidelines for contractors dealing with water damage. Experience has shown that house floods ruin finishes, compromise the bones of a home and create a health hazard.
SERVPRO Team Chevy Chase/Silver Spring Has Seen It Before: We address variations of the situations described above hundreds of times a year. The only common factors are water and the worry that things are going to be fixed. We understand water and we understand that no matter how familiar your issue is to us, it is scary, frustrating and upsetting to you.
In the rare case we come across a situation we have not seen before, we can reach out to our SERVPRO network for guidance and advice. SERVPRO is the largest and most trusted company by consumers nationwide.
For SERVPRO Team Chevy Chase/Silver Spring there are no impossible messes. The cleanup begins with a call.
Don't Forget Your Agent
When you experience unimaginable damage to your home or business, Team Randolph and your insurance agent are ready there to help
If you suffer a property loss, your agent is your ally.
Your agent is the person who is trained and licensed to help you buy appropriate coverage for repair or replacement of your stuff if you suffer a disaster, like a fire, flood, burst pipe or mold.
While you may not give your agent much thought over time, SERVPRO of Chevy Chase/Silver Spring sees them in action every day.
Agents understand your policies. This alone provides valuable reassurance during a disaster and the mitigation process. Consider: your condominium (rugs, walls, ceilings, furniture) are soaked by flood in a neighboring unit. In this case, there likely are three policies in effect: yours, neighbors and owners’ association.
The lines of coverage are not always clear. Your agent knows this and knows your policy. You just want your stuff dried, cleaned and repaired; and to get on with your life.
Team Chevy Chase/Silver Spring lives in the disaster world and we know what to do and who to speak with to minimize the disruption to you. That is why we are such fans of engaged agents.
Uh-Oh… My Food Is on Fire!
If a grease fire occurs in your home, it is important you know how to properly extinguish it. These fires are different from other types of fires as they ignite as a result of oils becoming too hot, and they should never be extinguished using water. Fires that begin as a result of vegetable oil, animal fats, or other greases should be extinguished as follows:
1. Turn off the heat source. Simply turn the stove knob to the off position without removing any pots or pans from the stovetop.
2. Cover the flames with a metal lid. You can use a baking sheet if you do not have a lid large enough to cover the pot or pan that is on fire. This cuts off the oxygen that the fire requires to continue burning. Do not use a glass lid as they run the risk of shattering.
3. Throw baking soda or salt on the fire to further extinguish it. Only use these two common kitchen ingredients. Never use flour or baking powder as their individual chemical makeup can actually feed the fire rather than put it out.
As a last resort, you can use a fire extinguisher to put out a grease fire. Only use a Class B extinguisher and aim it at the lower portion of the flames, following the manufacturer’s instructions.
What To Do If You Cannot Put the Fire Out
In the event that a fire spreads in your home, evacuate immediately. Be sure to close the door when you exit to help contain the fire. When you have reached a safe distance, call 911 and wait for firefighters to extinguish the flames. Do not re-enter your home under any circumstances until you have been informed that it is safe for you to do so by fire officials.
A grease fire may result in your home requiring fire cleanup. Should you need these services in Chevy Chase/Silver Spring it is best to always hire a fire restoration company. Visit http://www.SERVPROchevychasesilverspring.com/chevy-chase-village-md-water-damage-restoration more information on fire damage.