when Does Insurance Cover Flooding?
A flood at home can cause significant damage. Fortunately, in some cases, your insurance should cover the costs.
When Does Flood Insurance Apply?
Water damage can be one of the most destructive issues you could face in your home. You should be familiar with your insurance policy and understand what it covers and what your obligations are. If problems with the plumbing and pipes in your Big Bear Lake, CA, house and cause a flood, you may or may not have coverage.
1. Sudden and Unexpected
In most cases, insurance coverage will apply if water damage occurs due to a burst pipe or appliance. This may happen because of faulty products or installation. Cold weather could cause pipes to crack and break. In either situation, insurance generally covers water damage if it is out of your control and happens suddenly.
2. A Flood From a Gradual Leak
Where you might run into trouble is if a slow leak causes water damage. Insurance companies consider a leaky pipe to be your responsibility as a homeowner to address. You need to be diligent about maintaining the plumbing in your Big Bear Lake, CA, home. You should regularly inspect the pipes and other plumbing components. A professional plumber can also identify and repair problems. if the insurance company deems that a pipe bursts because of a long-term leak, you will likely not have coverage.
3. What Damage the Insurance Will Cover
If the insurance company accepts your claim, it generally won't cover everything. For example, the policy will pay to repair and replace the flooring, drywall, and furniture. I will pay a professional water cleanup company to remove the water and any mold. However, it usually won't provide coverage to fix broken pipe problems.
4. If Your Claim Is Denied
If your insurance company denies your claim, you can file an appeal. Before doing so, you should get an opinion from a licensed professional. This could certify that your claim is valid that the damage was sudden and not due to your neglect.
A flood at home can cause extensive damage. Fortunately, your insurance should cover the costs in certain instances.
SERVPRO can handle any kind of storm damage!
We can help with any storm damage!
I am sure you know that storms can cause horrific damage and come without notice! We have been there to help after Rainstorms that flood the area and Wildfires which can leave horrible smoke damage!
SERVPRO is the number one leader in Disaster Recovery with more than 1,700 franchise locations across the country. In the event of a large storm the Disaster Recovery Team is available to rush in and help. This team consists of franchise locations across the state that have the tools, training and resources to handle the unpredictable.
With the ability to mobilize local command centers, along with the resources of more than 1,700 Franchises nationwide, no disaster is too big. Recent mobilizations of the Catastrophic Storm Response Teams include:
- 2017 California wildfires
- 2017 Hurricane Irma
- 2017 Hurricane Harvey
- 2016 Hurricane Matthew
- 2015 Carolina floods
- 2014 Polar Vortex
- 2012 Sandy
- 2010 Nashville floods
In 2019, our location was getting calls every 5 minutes to help with water/flood damage at both residential and commercial properties. We were able to call in the SERVPRO Storm Team to help us ensure that all of the properties were taken care of and restored as if there wasn’t any water in their buildings!
You don’t have to worry about storm damage to your property! SERVPRO of Big Bear / Lake Arrowhead / NE Rancho Cucamonga is here to help! Give us a call 24/7 at (909) 878-0302!
What Should I Prioritize When My Kitchen Sink Leaks?
The water damage caused by leaks and potential flooding can devastate belongings inside and beyond the kitchen
When My Kitchen Sink leaks, What Should I Do First?
A small leak underneath the kitchen sink can quickly escalate into flooding if you do not respond fast. Turning off the water supply, decreasing the damage and contacting the right people in Fawnskin, CA, are all important steps, but there are also less obvious concerns. As you deal with a water in home incident, you might need to prioritize the following factors for a successful process.
The presence of excess water in the kitchen creates numerous hazards that can endanger yourself and others. A wet electronic appliance can shock you and a large body of water can conduct electricity. Even a small amount of water can cause you to slip and fall. Fragile wet ceilings usually break apart and fall, hitting anyone nearby. Avoid using electronic devices and shut down the power if possible. If the area is too flooded, prevent all entry until professionals arrive.
The water damage caused by leaks and potential flooding can devastate belongings inside and beyond the kitchen. Some valuable items you should protect from water include:
- Kitchen appliances and utensils
- Wood furniture
- Decorations and art
- Books and magazines
- Fabric and leather items
Remove these items from the wet area if you can. Ensure all devices are turned off and unplugged before removing them. If your furniture touches wet carpeting, use wood blocks or aluminum foil to protect it.
Calling for assistance is an important step, but you will need to contact multiple factions to assist you. When you speak with your insurance agent, you should gather detailed information about the damage so you get the appropriate coverage. A cleanup and restoration team can work with you to conduct kitchen repair. You should also hire a licensed and bonded plumber to fix the original flaw that started the situation.
Something as small as a leaky kitchen sink can create stress-inducing situations such as flooding, water damage and mold. Control these situations by prioritizing important elements like safety and property protection whenever possible.
Smoke Damage Can Linger After A Fire
Smoke has a very recognizable smell that will linger for a long time if not properly cleaned because it is within your home.
You just had a small fire in your home, luckily you were able to put it out yourself. Everything is all better…Right? Not really. If there was a fire in your home, then there was also smoke. Smoke can have lingering damage.
There are three important facts about Smoke Damage that you might not think about, they are:
- Smoke damage can be Hazardous to your Health. Smoke and the pollutants that it carries can linger in your home for a long time after the fire is put in. Breathing in can cause major health issues.
- It causes Discoloration in your home. The walls in your home can become yellowed if smoke sits in your home for too long. This can cause permanent damage that will have to be replaced.
- Damage from Smoke is Stinky. Smoke has a very recognizable smell that will linger for a long time if not properly cleaned because it is within your home.
If you have had a fire in your home and want to make sure the smoke damage is professionally cleaned with high-quality products & equipment, give SERVPRO of Big Bear / Lake Arrowhead / NE Rancho Cucamonga a call! We will send our technicians out to your house as soon as we can!
We have 24/7 Emergency Service!
Wildfires - How To Be Prepared & What To Do If It Happens In Your Area
Let us help you restore your home from wildfire damage!
Wildfire season is about to begin in California. The National Fire Protection Association has tips on how to protect your home or business.
Before wildfires threaten your area follow these steps:
- Clear leaves and other debris from gutters, eaves, porches, and decks. This prevents embers from igniting your home.
- Remove dead vegetation and other items from under your deck or porch, and within 10 feet of the house. Learn more about the basics of defensible space on the Firewise website.
- Screen or box-in areas below patios and decks with wire mesh to prevent debris and combustible materials from accumulating.
- Remove flammable materials (firewood stacks, propane tanks) within 30 feet of your home’s foundation and outbuildings, including garages and sheds. If it can catch fire, don’t let it touch your house, deck, or porch.
- Wildfire can spread to treetops. Prune trees so the lowest branches are 6 to 10 feet from the ground.
- Keep your lawn hydrated and maintained. If it is brown, cut it down to reduce fire intensity. Dry grass and shrubs are fuel for wildfire.
- Don’t let debris and lawn cuttings linger. Dispose of these items quickly to reduce fuel for fire.
- Inspect shingles or roof tiles. Replace or repair those that are loose or missing to prevent ember penetration.
- Cover exterior attic vents with metal wire mesh no larger than 1/8 inch to prevent sparks from entering the home.
- Enclose under-eave and soffit vents or screens with metal mesh to prevent ember entry.
- Learn more about how to protect your home and property.
You will need to create an Emergency Plan for yourself and your family. Having an emergency plan will ensure that everyone knows what to do if there is a wildfire in your area.
Things that you will need for your Emergency Plan are:
- Assemble an emergency supply kit and place it in a safe spot. Remember to include important documents, medications, and personal identification.
- Develop an emergency evacuation plan and practice it with everyone in your home.
- Plan two ways out of your neighborhood and designate a meeting place.
- Learn more about emergency preparedness planning on NFPA’s emergency planning webpage.
In your community:
- Contact your local planning/zoning office to find out if your home is in a high wildfire risk area, and if there are specific local or county ordinances you should be following.
- If you are part of a homeowner association, work with them to identify regulations that incorporate proven preparedness landscaping, home design, and building material use.
- Talk to your local fire department about how to prepare, when to evacuate, and the response you and your neighbors can expect in the event of a wildfire.
- Learn about wildfire risk reduction efforts, including how land management agencies use prescribed fire to manage local landscapes.
- Learn how you can make a positive difference in your community.
During the time a wildfire is in your area, follow these steps:
- Stay aware of the latest news and updates from your local media and fire department. Get your family, home and pets prepared to evacuate.
- Place your emergency supply kit and other valuables in your vehicle.
- Move patio or deck furniture, cushions, doormats, and potted plants in wooden containers either indoors or as far away from the home, shed, and garage as possible.
- Close and protect your home’s openings, including attic and basement doors and vents, windows, garage doors, and pet doors to prevent embers from penetrating your home.
- Connect garden hoses and fill any pools, hot tubs, garbage cans, tubs, or other large containers with water. Firefighters have been known to use the hoses to put out fires on rooftops.
- Leave as early as possible, before you’re told to evacuate. Do not linger once evacuation orders have been given. Promptly leaving your home and neighborhood clears roads for firefighters to get equipment in place to fight the fire, and helps ensure residents’ safety.
After the wildfire has been contained, continue to listen to your local news updates for information about the fire in your area. Return home only when authorities say it is safe.
Once you can return to your home/business, take note of any and all fire/smoke damage that the building might have received. You might get a little overwhelmed, but don’t worry! SERVPRO of Big Bear / Lake Arrowhead / NE Rancho Cucamonga is here to help you! You can call us 24/7 at 909-878-0302!
SERVPRO Specializes in Commercial Carpet Cleaning!
The staff at SERVPRO of Big Bear / Lake Arrowhead / NE Rancho Cucamonga have been doing carpet cleaning for over 30 years. We have dealt with all cleaning levels, believe me when I say that we have seen it all!
We understand the need to have your office/restaurant/church/store carpets cleaned during the hours when you are not open for business, and we accommodate that for you. We use air movers to help facilitate a quick drying so you can open on time the next day. Because we know that no one wants to walk into a building with soggy carpets.
We at SERVPRO have some of the best equipment, an understanding of carpet types, very effective cleaning agents, and our staff is highly trained and professional.
We do not give quotes over the phone because cleaning cost is not just about square footage. We have to consider the amount of soil, the material the carpet is made of, and the age/condition of the carpet.
Give us a call at (909)878-0302 to schedule your appointment to get your specialized quote.
3 Things That Can Accidentally Set Off Your Fire Sprinklers
When sprinkles are installed improperly, they are more likely to accidentally discharge and force you to need a water restoration professional.
3 Things That Can Inadvertently Trigger Your Fire Sprinklers
Most businesses have a fire suppression system in place to reduce damage from fires. However, these do not work like the systems you see on TV. If they did, every head would start dispensing water whenever someone burned a piece of toast in the staff kitchen, and you would have to deal with a lot of flooding in your workplace. Instead, each sprinkler head has its own sensor. Usually, only a couple of sprinklers are activated when there is a fire. This is ideal because a lot less water enters your commercial building than if they all went off at once.
The main drawback to this system is that these sensors are susceptible to accidental discharge. Fortunately, there are steps you can take to combat the main causes. Here are some of the most common things that can set off your sprinklers.
If your fire sprinklers are too close to the skylights, heaters, or heat-producing appliances in your building in Cucamonga, CA, they can accidentally go off. If your business has many of these, you should invest in sprinklers that activate at higher temperatures. Some won't activate until they sense temperatures of 300 degrees. These can reduce the chances of you accidentally flooding your business.
2. Freezing Pipes
Most sprinklers have water running through their pipes. If they freeze, the ice puts enough pressure on the system to break fittings and the valves on the heads. When the water thaws, your building will experience flooding. Insulated pipes are available if you need to place sprinklers in places that are likely to freeze.
When sprinkles are installed improperly, they are more likely to accidentally discharge and force you to need a water restoration professional. Fortunately, you can avoid this by having a qualified technician install the system.
Several different factors can cause your sprinklers to discharge. By learning more about each one, you can take steps to ensure your sprinklers don't go off and cause a lot of water damage to your business.
4 Essential Steps That SERVPRO Takes During the Fire Restoration Process
A fire can be frightening. It is critical, however, not to give up or despair. SERVPRO can assist you in restoring your building to preloss condition
SERVPRO Takes 4 Important Steps During The Fire Restoration Process
If a fire occurs in your Big Bear Lake, CA, building, it's vital that you take action quickly. One of the most important steps to take is beginning the restoration process, which SERVPRO is experienced at helping with. If you'd like to know more, here are four essential steps that SERVPRO takes during the fire restoration process.
1. Inspecting for Damage
One of the most important parts of restoration is inspecting the damage. By doing so, experts can determine the best course of action. Not only is this beneficial to the restoration process, but it may save you money if the damage is determined to be minimal. Here's what the fire restoration experts at SERVPRO generally look for:
- Smoke damage
- Soot damage
- ize of the fire
2. Stabilizing Vulnerable Areas
When a building has experienced a fire, it's likely that it will have some damaged structural parts. These are things like roofs, windows and walls. In order to prevent further damage to your building (which would delay the fire rebuild), SERVPRO workers can stabilize these areas. Windows and walls can be boarded up, while a tarp may be laid over a roof.
3. Cleaning Damaged Items
Unfortunately, many of your items may be damaged during a fire. An essential part of fire restoration is getting your building back to its previous state, so SERVPRO has various cleaning techniques for restorable items.
4. Getting Rid of Smoke and Soot
After a fire, smoke and soot may become entrenched in surfaces like ceilings and walls. This could cause a whole new series of problems, from discoloration to metal corrosion. Since SERVPRO has particular techniques and equipment available, this problem may be dealt with efficiently.
Experiencing a fire can be overwhelming. However, it's important not to give up or sink into despair. SERVPRO can help you get your building as close to normalcy as possible, even if rebuilding services are needed.
Does Your Building Have Mold?
With years of experience in mold remediation jobs, we at SERVPRO of Big Bear / Lake Arrowhead / NE Rancho Cucamonga are here to help!
As businesses have been closed for over 6 months, and are now starting to reopen, there may be mold that has grown in the buildings. Businesses are facing challenges of how to reopen safely. One concern that you might have is indoor exposure to mold as well as the potential health effects it poses.
Mold can grow on almost any organic substance, provided moisture and oxygen are present. Some of the causes can be tied to poor air circulation while buildings are shuttered, condensation buildup in air handling systems, and even rooms left dark in hotter months.
With years of experience in mold remediation jobs, we at SERVPRO of Big Bear / Lake Arrowhead / NE Rancho Cucamonga are here to help get your business ready to safely open.
Mold Damage Caused by Ice Dams
Pay attention to the ice on your roof to avoid ice dams!
Mold damage is every business owner’s nightmare. Unfortunately, there are many who assume that mold is not as much of a problem in the winter. This isn’t true. In fact, there are many different reasons mold might grow in the winter. One of these reasons is through winter storms and ice dams.
What Is an Ice Dam?
The first thing you may be wondering is what an ice dam is, to begin with. An ice dam forms as the result of heat escaping the building’s attic. This causes the roof to heat up and the snow and ice piled on it begin to melt, building up ice on your gutters and causing pooling water on the roof. As the sun warms it, this water can begin to trickle behind your walls.
What Kind of Mold Damage Can Ice Dams Cause?
Water trickles down behind an ice dam and this is what causes mold growth. Keep in mind that it only takes about 24 hours for mold to grow after a trickle of water has plagued your business. This means you have to act quickly to avoid the problem spreading. It’s important to remember that mildew and mold grow at a high rate and can get out of control quickly.
What Can You Do About Mold Damage?
The mold cleanup can be simple with the help of a cleanup service. With professional help, you can have your business taken care of in no time. Keep in mind that mold can be difficult to clean on your own. Not to mention, it can be hard to make sure that you get rid of everything. Mold spores can spread quickly and black mold grows fast. It’s important that you have it taken care of as efficiently as possible. Mold cleanup can be effective when handled properly and professionally.
Make sure that you always pay attention to the ice on the roof of your Big Bear, business, and the moisture it can cause. Mold growth can happen quickly and anywhere, so it is important to stay on top of the issue.