Does Commercial Insurance Usually Cover Mold?
To protect your business, you require a comprehensive insurance policy that will safeguard you against most types of damage. Fungus growth is a necessary measure to have in a policy, and most commercial insurance policies will have some kind of mold coverage. There are definitely some exemptions to mold insurance, so you should check with your policy provider in White, PA, so that you can know definitively whether you are safe.
1. When Mold Is Covered
Most commercial general liability insurance policies will cover mold damage. The reason for this is that it is viewed as an extension of water damage. When a flood impacts your building or when a pipe unexpectedly bursts due to freezing temperatures, your policy should cover the cost of repairing the damage. As far as addressing fungus growth, your policy will cover the cost of the direct physical loss, the cost of replacing the damaged substances and the cost of testing afterward to ensure there is no longer any mold.
2. When Mold Is Not Covered
However, your insurance coverage may not pay for anything if the water damage was a result of your own negligence. For instance, you need to perform regular maintenance on your building’s pipes to ensure they remain sturdy and intact. If you fail to get them inspected once a year, then your insurance agency may not cover any damages. Additionally, most policies will have some kind of cap. For example, there may be a cap of $10,000 on a policy annually. That means if the total cost of fixing one instance of damage exceeds $10,000, then you will be left on the hook for anything leftover.
Ultimately, it is for the best to have an insurance policy that covers fungus growth just in case. Mold can grow out of control, and thorough coverage can help you get your business back up and running in no time.
Visit http://www.SERVPROindianacounty.com for more information about our services.
Fire Emergency: Don’t Be Caught Unprepared
House and business fires are chaotic.
The fire alarm blares, smoke fills the building and without a plan, the household or employees will likely scatter to find an escape. No one wants to believe a fire will happen to him or her, but not preparing for the worst can have devastating results. In order to keep yourself and your loved ones safe, you should always have a fire escape plan at the ready. If you don’t, here is what specialists say you need to pay attention to when developing the best plan.
First things first, jot down where the exits are. Make sure that furniture or other items do not block any of the doors. Escaping during a fire is all about speed. You don’t want anything to hang you up, and you can never be too sure which door will be safest. The same goes for windows. Do not have anything fully blocking your windows.
Make sure that there are clear pathways throughout. If you have a cluttered mudroom near the back door due to lack of use, make sure that you can easily get in and out of the room. Your fire escape plan has to involve easy passage from one room to the next.
Who is frequenting the building? Do you have children? You have to develop a plan to suit the needs of everyone. Young children may not always understand or remember the plans that you set up. This means you may need to repeat the plan often and perhaps draw a diagram for the child to understand. Make sure that everyone knows the emergency escape plan and can follow it. During a fire in your Loop, PA business it can be difficult to keep a clear head. Having a clear fire escape plan will help alleviate some of that stress.
SERVPRO of Indiana County is "Here to Help" if your company suffers from a fire.
Why Call Professionals for Smoke Odor Remediation
Home Fire and Professional Cleaning Services
Anyone who has ever dealt with a fire at home can attest to what a horrible experience it can be. Not only can a house fire in Indiana, PA, devastate your most important items, but the smoke damage can be significant. For many homeowners recovering from a fire, it’s difficult getting rid of the smoke odor. Fortunately, professionals have some tried and true methods for handling smoke cleaning and getting your home smelling the way it did before the fire.
- Professionals have the experience you need. Hopefully the first house fire you experience is the last one you’ll ever have to deal with. You can’t imagine going through the ordeal again. However, a professional restoration company has helped countless homeowners recover from this terrible event. The pros know what you’re going through, so they’ll respond in a timely, caring manner. Qualified experts understand the delicate, urgent nature of the situation, so they’ll act with swiftness and concern for your property and possessions.
- The experts have the skills you’d expect. If you’ve been the unfortunate victim of a house fire, you may be overwhelmed by the smoke damage and smoke odor in your home. You may not know where to begin to eliminate the smells and restore order to your home. The experts in Indiana, PA, are trained to assist with your problem. No challenge will be too large for the team to address. You can have peace of mind that your home can look, smell and feel as good as new.
- A restoration company has the right tools. You may not have a clue what will perform effective smoke cleaning, but the professionals have all the resources to make things right. A professional will use filtration devices, ozone machines and thermal foggers to clean up the smoke issues in your home.
Smoke cleaning has never been easier than when you choose a professional company to get rid of your smoke odor and address the smoke damage in your home. Rest easy knowing the right help is just a call away.
What to do if I have storm damage from winter weather?
SERVPRO of Indiana County
This time of year can cause a lot of damage from snow and other winter weather. It is important to make sure that you are prepared and know what to do if it affects you.
1. Contact SERVPRO of Indiana County immediately. They will have a team of specialized technicians on site to start evaluating the situation.
2. In a lot of cases there will be water damage from snow or ice rain. This water will need to be extracted and removed as soon as possible.
3. Once all of the water is removed the source will have to be contained so further damage will not happen. After the source is contained and repaired, the drying process can begin.
4. SERVPRO will monitor the drying daily until dry. After it is dry they will remove all of the equipment.
5. SERVPRO of Indiana County can help with the entire project from start to finish.
If you have any questions, feel free to reach out at anytime.
What to do if my fire place causes damage to my home?
If you have a fire loss in your home from your fire place this winter it is important to make sure you get help immediately. In a lot of homes, you can experience a puffback that can cause a lot of odor damage. Here are some steps to consider.
1. Contact SERVPRO of Indiana County immediately. They will get a team of trained professionals on site to start the cleaning process.
2. SERVPRO has a line of professional cleaning products that are used to clean soot and other types of fire damage. They also have equipment that can help with the air quality and make sure that the home gets back to pre loss condition.
3. If you have any questions about how to handle a fire damage situation, feel free to reach out to us 24 hours a day. Every situation is different, so we are here and available to help you.
What To Save and What To Toss After a Flood
No matter what room a flood took place in, chances are good some items experienced a fair amount of damage. The damage may be even worse if the flooding contained black water. You need to hire a professional team in Indiana, PA to handle content cleaning. Some items can typically be salvaged after a disaster, while others generally need to be thrown away.
1. Documents and Books
You can attempt to restore books and paperwork. However, it is going to be a long shot. You can pack books together spine-down in one layer within a container. Without using the frost setting, put the container in a freezer exposed to the lowest temperature. It can take weeks or months for the books to dry, if this process works.
The apparel you can save depends on what exactly it is made out of. Water-damaged silks often cannot be salvaged because they can turn brittle if brought out in sunlight. Cotton is a bit sturdier. You can take these items to a dry cleaner to see if they can be saved.
Content cleaning is highly beneficial when it comes to family heirlooms such as photographs. If there are photos stuck together, then you can put them in a bucket of clean water until they separate. Let them dry. Sometimes the picture will be too far gone to salvage, but there are photo restoration experts who can attempt to save the memory.
Mattresses can absorb a lot of water, making them prone to mold development. It is easier to throw away a water-damaged mattress and buy a new one.
Similarly to a mattress, carpets exposed to flood water often cannot be saved, especially if the water contained various contaminants. It is not worth it to potentially keep mold and mildew inside your home when you can easily replace something like home furnishings.
Content cleaning can involve making some tough decisions about your belongings. An expert team from Indiana, PA can provide you with guidance.
Visit http://www.SERVPROindianacounty.com for more information on storm damage.
The Pipes Burst, Now What?
Many homeowners worry that their pipes will burst, and they won’t know what to do when that happens. Floods can be incredibly distressing, and without a cleanup service to help, it can be almost impossible to prevent or aid water damage. Luckily, there are things that you can do after you’ve been confronted with bursting pipes. Consider three of the most important steps to take.
1. Call a Cleanup Service
When it comes to flooding, mold can grow quickly. Mildew and mold take only a couple of days to grow in moist environments; this means that you have to start the cleanup process as soon as possible to prevent any secondary damage to your home. While you may be able to start some of the cleanup process on your own, a professional will have the tools to do it quicker and more effectively.
2. Open Windows and Air Out Home
The next step after your home has been flooded by bursting pipes is to open all of the windows. This is going to ensure that you have proper airflow in your home to help the drying process begin. You can also use a dehumidifier for extra help in drawing the moisture out of your residence while you wait for your remediation expert to arrive. Keep in mind that if the moisture lingers even after most of the water is gone, mold can still grow.
3. Fix the Pipes
Once your home is cleaned up of water, you need to have someone fix the broken pipe and maintain your plumbing system. It’s no use to clean up your home only to have your pipes burst again.
Flooding due to bursting pipes can be frustrating and stressful. Fortunately, with the help of a cleanup service, you can rest easy and help keep your Indiana, PA home dry. Visit http://www.SERVPROindianacounty.com for more information on water damage.
What Is Category 3 Water Damage?
All flood water can cause problems for your business in Indiana, PA but these floods aren’t always the same. That’s why industry professionals use categorization systems to classify floods. There are three main categories, each with a nickname:
• Category One: Clear or White Water
• Category Two: Grey Water
• Category Three: Black Water
As you can infer, Category Three water is the last type you want in your business. What makes a flood fit into this classification? Here is what you need to know about black water.
What Is Black Water?
Category Three water is liquid that has touched human feces. Just by contacting this waste, the water becomes grossly unsanitary. This is the main factor that sets this water apart from the other categories.
Is It Unsafe?
Because Category Three water was exposed to feces, it is unsafe for humans to contact. The water likely contains harmful bacteria, viruses, and even parasites. Wading into this flood water without proper protection can cause bodily harm.
This is one of the many reasons you should never attempt to restore black water damage yourself. Without special equipment and expertise, you cannot fully protect yourself.
What Does It Look Like?
How can you know if your flood is black water? This water may not be completely black. Any water that has a brown color could be Category Three. That’s why it’s important to play it safe and call the professionals.
That being said, black water does typically come from a few places: floods from rain, toilet overflow, and basement floods. Toilet overflow may seem obvious, but many people are surprised that rainwater becomes contaminated. As it falls, rainwater is fine. However, as it soaks the ground and floods businesses, it often carries sewage with it.
If you think your flood water in Indiana, PA is Category 3, call a restoration crew immediately. This dangerous water cleanup should not be treated as a DIY opportunity.
Visit http://www.SERVPROindianacounty.com for more information on commercial water damage.
SERVPRO of Indiana County Continues Mold Testing at a New Price
Our Mold Tests cost $150.00 and Include 2 Air Samples.
SERVPRO of Indiana County is able to perform mold inspections. This saves our customers time and money. The price for a Mold Test is now $150.00 and includes two air samples.
Having mold testing done by a third party can be a lengthy process. We understand you have a busy life and we don't need to be taking up any more time than we need to. Now we can do our assessment of your property and the mold testing all in the same appointment. You will even have your mold reports back within 2-3 business days! There is no need to use an additional third party or pay for any additional costly air quality tests.
- Full service environmental analytical specializing in mold analysis.
- Fastest turn around time and lowest price in the industry.
- Mycologist on staff
- Accredited Indoor Environmental Hygienist (IEH).
- Used by mold inspectors, home buyers/sellers, real estate agents.
As a trusted leader in the restoration industry, SERVPRO of Indiana County has highly trained technicians that are dedicated to responding to any size disaster with 24-hour emergency response. Contact us today, at 724-717-4098, to see what SERVPRO of Indiana County can do to help you!
Robert, one of our newer employees, getting to use an extinguisher to put out a live fire during a training at our facility.
With October being Fire Prevention month our franchise has been focusing on fire prevention and safety. We hold weekly safety meetings for our crews and this has been our topic of discussion. Safe job site practices help keep our employees, and the homes and businesses we are working in from experiencing any harm or damages.
Identification of fire hazards was one topic of discussion. initial job site inspections for potential fire hazards upon arrival and daily checks for any changes is our policy for crew leaders to follow.
We also had a "hands on" training with extinguishers, so that each of our team members has the experience and proper knowledge of extinguisher use if the need would ever come along. Being prepared can be the best prevention!