2 Fire Causes Not Covered By Insurance
Vacant home fire in Carthage, TN
Two Types of Fires that Are Not Covered By Insurance
Homeowners insurance covers the majority of home fire causes. The main exceptions are houses that are vacant, such as vacation homes, or intentional fires. An insurance policy should also shield the named insured and other residents from liability unless there is any proof of arson. Find out more about the two types of fires that are not covered perils and how to increase the overall level of protection from fire risks at a residence in Carthage, TN.
1. Vacant Home Fire
The terms of most standard homeowners policies define a residence that has not been occupied for 30 consecutive days as vacant. A vacant home endorsement, rider or a separate policy will be necessary to cover any type of fire that breaks out in this structure. Vacancy policies may be added to a primary property policy as an endorsement or rider or be obtained in the form of a supplementary policy. This coverage will apply during any periods of time in which the residence is vacant.
A deliberate home fire is not covered by any insurance policy. Starting a fire may be related to an attempt to commit insurance fraud, damage property or endanger the residents of a home. If an investigation discovers evidence of an intentional fire, criminal charges may be brought against the named insured or another party. Penalties may range from mischief all the way up to a misdemeanor or felony. Aggravated or first-degree arson can result in a prison sentence of up to 25 years or longer.
Owners of vacation homes should maintain vacancy coverage. It is also a good idea to confirm the extent of home fire liability protection on a standard homeowners policy. No coverage will apply to intentional fires. If a fire damages building materials and contents at a residence in Carthage, TN, the owner should contact cleanup and restoration professionals.
What If This Is Your Business?
Would you be ready?
As many as 50% of businesses never reopen after a disaster. In case you misread that, FIFTY PERCENT of businesses never reopen. In just two years’ time, over 50 % of businesses experienced an unforeseen interruption, and the vast majority (81%) of these interruptions caused the business to be closed one or more days. An estimated 95% of disasters are man-made or internal, such as fire or internal flooding.
Now that the statistics are out of the way, what can you do about it?
I'm sure your business has evacuation plans and basic emergency plans:
- Do you know where they are?
- Do all of your employees know where the gas shut off is?
- Would you have access to all of your primary contact numbers should the office catch on fire?
SERVPRO of Cookeville / Carthage / Smithville / Woodbury provides free Emergency Ready Profiles for all commercial properties. These ERP's provide facility details such as shut-off valve locations, priority areas, and priority contact information. It is a startup approach that provides critical information needed to begin mitigation and emergency services, saving you time and money. All of this in one folder for easy access.
But wait! There's more! (You better have said that in a Billy Mays voice.) Once all of your facility's information has been captured, SERVPRO of Cookeville will provide you with a digital copy via our mobile app. The app is password secured, but has the abilty of profile sharing should you want to delegate it to some of your team.
So I ask you again, what if this is your business? Would you be part of the 50% that never reopens? Would you know who to call? By working with SERVPRO of Cookeville to develop your personalized EMERGENCY READY PROFILE your business will receive the benefit of over 40 years of experience in reducing the impact of any man-made or natural disaster. SERVPRO of Cookeville / Carthage / Smithville / Woodbury is a leader in water and fire damage response and can help you quickly get your property back in working order.
Is All Flood Water Contaminated Black Water?
Flooding and water emergencies don't wait for regular business hours
Restoration professionals classify flood water as Category Three water damage. The categories used to describe damage are based on the level of contamination present in water. Learn more about the conditions that tend to cause black water to accumulate during a flood.
The cause of a flood determines the initial level of contamination. There are several common sources of flood water:
- Heavy rains
- Rising bodies of surface water
- Storm surges
- Sewer backups
Even if this flooding starts as Category Two gray water that does not contain solid waste, contamination can occur as soon as the water travels over land or stands for hours or days. Damage caused by contaminated water must be cleaned, disinfected and dried.
Courses or Paths
Water may accumulate contaminants as it travels through an area. In addition to solid waste, which may be introduced from an overflowing municipal main, this water could also carry other substances that can pose health or safety risks:
- Heavy metals
Depending on where flooding originates and where standing water accumulates, different types of contamination may or may not be present. It is advisable to disinfect any areas exposed to flooding.
Regardless of the initial level of contamination in water, standing water will degrade and become more contaminated over time. Within a matter of days, clean, treated Category One water from a pipe break can degrade into Category Two and eventually Category Three water damage. Damage mitigation and restoration experts recommend timely extraction, cleaning, disinfection and drying.
There are a number of ways in which flood water may become contaminated. If there is a reasonable possibility that water may contain solid waste, any damage it causes will be classified as Category Three damage. If flooding has damaged a commercial building in Cookeville, TN, the property owner or manager should arrange for storm damage mitigation and restoration.
The Fire Is Out. Now What?
We've been taught since preschool that when you see smoke or flames in your house, call 911 immediately. What homeowners need to do after the fire department leaves is less common knowledge. This is where SERVPRO of Cookeville/Carthage/Smithville/Woodbury comes in.
Speed Is Key
Within hours of the fire being out, metals tarnish, countertops yellow, and grout stains.
Within days, walls yellow, clothing stains, and circuit boards may fail due to corrosion. This is why it is important to contact your insurance to verify coverage and file a claim as soon as possible.
Once the home is released by the fire department, schedule an initial assessment with a trained and licensed fire restoration company to see what can be salvaged and develop a plan of action. After the initial assessment is complete, the home should be boarded up and the roof tarped to maintain security and protect from further damages.
The first step in the mitigation process is to pack out and clean the contents that were affected by smoke and soot. All of the restorable contents in affected areas will be professionally cleaned and deodorized. Restoration professionals begin by carefully inspecting and testing all fabrics in the structure to determine which cleaning methods are most appropriate. They should be able provide wet or dry cleaning services. Additionally, all the other restorable contents will be cleaned and deodorized to preloss condition. Finally, restoration professionals can provide an inventory list of all “to be claimed” items if requested.
Restoration professionals can generate comprehensive room-by-room inventories. Contents are categorized as salvageable, non-salvageable and questionable - allowing for easier contents settlement.
Restore VS Replace
Once the contents are out of the home, SERVPRO of Cookeville/Carthage/Smithville/Woodbury's technicians will reassess the structure for unseen damages. We will clean and disinfect structure materials that were affected, and restore the home to its pre-fire condition. This may include some repairs to the structure.
We focus on restoring versus replacing because restoring the affected areas of your property is substantially less costly than demolishing and replacing those areas. This “restore first” mentality also allows us to get your home back to pre-fire condition quicker and with less disruption.
Once the repairs are complete, the home is deodorized and the contents are moved back in "Like it never even happened."
Bathub Sewage 101
A sewer backup can be quite unpleasant - especially when it occurs in your bathtub. If you are suffering from this type of sewage, you probably want to take care of the issue as soon as possible. However, there are times that it makes sense to fix the backup yourself and times when expert help is needed. Here’s how to figure out which situation you are dealing with.
If the bathtub backup is small and did not cause extensive damage - and you have the proper protective gear and equipment - you can attempt to begin cleanup yourself. Here are some tips to remember during the process:
- If you are dealing with flooding, do not run your air conditioner or heating system.
- Throw away any non-essential items ruined by the sewer backup and keep them away from clean areas.
- Move clean items into a clean space as soon as possible.
- Open your doors and windows if it is sunny and dry outside.
- Try to learn techniques to prevent future backups, with or without professional assistance.
If you run into a bigger issue at any point during cleanup, remember to call a plumber, cleanup service or other professional for help.
Expert Help Scenarios
There are certain cases that call for professional assistance no matter what. If you are facing a huge flood, extensive damage or a massive backup, a professional water damage restoration company in Baxter, TN, should be called to help with cleanup tasks. You may also need to talk to other experts to handle specific issues that arise.
When it comes to a sewer backup, you want to use all of the resources available to you to get your bathroom back in clean, usable shape as soon as possible. It can be hard to ask for help, but assistance and investment are both worth the end result of a safe and secure home.
Understanding the Typical Causes of Commercial Water Damage
When you have a pipe burst, you should call SERVPRO
Whether you’re dealing with the everyday broken pipe or a substantial flooding problem that can lead to hefty water repair costs, it’s important that you understand the typical causes of most commercial water damage issues when you’re a business owner in Silver Point, TN. Here, we’ll dive into many of the usual culprits, helping you to achieve a better understanding of what can go wrong and how to be on the lookout for common signs before disaster strikes.
Faulty Pipes and Bad Plumbing Systems
Major commercial buildings have a lot of water passing through their pipelines on a daily basis. Therefore, it’s easy for excessive use to cause damages that can lead to worse problems like a broken pipe or leaky faucets. Since this is a fairly common issue, most experienced water restoration specialists can quickly address the situation before it becomes a bigger headache.
Depending on your line of work, you could have many appliances in your building that can result in future flooding, including:
- Water heaters, or
- Clothes Washers
To ensure that these appliances are working properly and they won’t lead to costly water repair, it’s best to conduct regular inspections so as to avoid any mishaps.
Toilet Overflow or Backed Up Sewer Lines
There’s plenty of opportunity for things to go awry when you’re dealing with commercial plumbing, and this includes overflowing toilets or potential sewer line blockages. Given the unpleasant and possibly hazardous nature of the issue, it’s important to let professionals handle the cleanup and restoration process in the right way.
See the Signs Ahead of Time
Being a business owner in Silver Point, TN requires wearing many hats, but when it comes to dealing with issues like a broken pipe or faulty appliances, there’s no time to let seemingly small problems linger. Understanding what can cause substantial water damage ahead of time leaves you more prepared for managing any situations as they arise, so knowing these typical causes is a surefire way to better handle any future predicaments.
Steps To Prevent Mold Growth in Commercial Properties
Level of humidity and moisture can damage a building and increase mold growing
Mold can have a disastrous effect on a business in Woodbury, TN, which is why mold prevention is often important. There are several ways business owners and managers can make it difficult for mold to grow and spread in their properties.
1. Prevent Damage From Water
Most types of mold need water to grow, and protecting your business from leaks and floods by quickly fixing any small issues can prevent mold growth long-term. In addition to flooding and leaks, high levels of humidity and moisture can also damage a building and increase the likelihood of mold growing in the business. If certain areas in your building, such as bathrooms or attics, are prone to high levels of humidity, it can be helpful to use dehumidifiers and increase the airflow.
2. Mitigate the Effects of Leaks or Floods
Unfortunately, water damage cannot always be avoided. Broken appliances, pipe leaks and pipe breaks are all common causes of destruction from water, and if a leak or flood occurs without warning, it’s wise to act quickly. Removing any water as quickly and as safely as possible is an important step in mold prevention. After water is removed, it can also be helpful to contact water and mold damage experts who can help to keep the area dry and mitigate the effects of the existing damage.
3. Be Aware of Common Sites of Growth
In addition to preventing water damage and mitigating the effects of any leaks or floods, it’s useful for business owners and managers to know locations where mold commonly grows. Often, mold growth is found under sinks, in kitchens and bathrooms and close to appliances that use water. Routinely inspecting areas in your business where mold may grow can help you become aware if a problem is present.
Mold prevention can save business owners time and money if it is done well. For business owners, it is wise to prevent water from accumulating in one area, quickly react to leaks or flooding and know where mold is likely to grow.
3 Steps To Choosing a Storm Damage Service To Assist With Your Insured Commercial Clients
Call SERVPRO of Cookeville/ Carthage/ Smithville/ Woodbury, we are ready for you.
As an insurance agent who works with business owners in Gordonsville, TN, the level of customer service you can provide is no doubt important to you. However, when natural disasters like violent storms hit the area, you may find yourself trying to serve multiple clients who all need help with their claims and storm restoration. Working with a storm damage response service can help streamline this process, and there are several strategies you can use for finding one that is compatible for how you assist your clients.
1. Review Your Client List
Before you choose a storm response team to help your customers make more efficient claims, it may be helpful to review your client list. Having a better understanding of how many businesses in the area would make claims through your agency may better allow you to choose a service based on size, location, and availability.
2. Consider Which Events Your Company Covers
Working with a disaster response team that can assist your clients with the events your insurance company covers can make for a better, more efficient pairing when business owners experience fire or flood damage. If your company offers limited coverage for certain types of floods, it is a good idea to discuss this with the storm restoration franchise manager before signing a contract.
3. Review the Benefits
Working with a storm damage and restoration service can be beneficial; however, before you make your final choice, consider the benefits to both yourself and your clients. Restoration and mitigation services may help your clients realize a path to recovery while having the support of the franchise and its corporate services can help you better serve your clients. This can help strengthen business connections and boost your local reputation as an insurance agent.
Working as an insurance agent in Gordonsville, TN, can be difficult to serve multiple commercial clients when disaster strikes the area. Choosing the right storm restoration service to work with during these times can have a positive effect on both your business and its clients.
3 Tips for Handling Noisy Water Pipes
Contact SERVPRO for professional guidance.
Precautionary Steps When A Pipe Break Is Ready To Happen
If you’re a homeowner in Carthage, TN, you’ve probably had to deal with noisy water pipes at some point in your life. The most common cause is too much water pressure coming through them, which causes that unpleasant hammering sound. Understandably, most people think these sounds are harmless, but it’s worth it to pay closer attention — they could be a warning sign of a pipe break ready to happen.
1. Know the Reasons Behind the Sounds
Your home’s pipes bring water from behind your wall to your fixtures and appliances. If those pipes get clogged, corroded, or frozen, there can be substantial damage. There could also be problems with your pipe installation; pipe straps and fittings play a crucial role in maintaining a steady water pressure. When that hardware malfunctions, it could result in a major pipe burst.
2. Proceed With Caution
If you can isolate where the sound is coming from, that’s a major step in avoiding a nasty pipe break. To isolate the sound, go to different parts of your home where the pipes connect and take note if any of them chatter, vibrate, or feel loose. Once you’re sure, shut off the water supply to that pipe or refrain from using it to avoid a burst and subsequent flooding.
3. Contact Specialists
Once you’ve taken some precautionary steps, consider reaching out to the water restoration specialists in Carthage, TN. They can accurately determine the problems with affected pipes and help you figure out what the next steps are. This can save you time and money in the long run.
Unfortunately, a pipe break often leads to substantial flooding and building material damage.
In this case, it’s important to fix the broken pipe (or pipes) rather than treating the symptoms of it. Fortunately, with some professional guidance, you’ll be on your way to getting your home back to normal.
FAQs About the Mold Containment Process
Stop mold spreading in your home.
Mold contamination can be a major issue for homeowners in Cookeville, TN, and the process of mold remediation can seem overwhelming. However, understanding the process of mold containment can be helpful to homeowners.
How Is Mold Contained?
After mold is discovered in a home, homeowners often find it helpful to seek out professionals in mold remediation. After assessing the home, the process of containment begins, which often includes:
- Decreasing the air flow in the area(s) affected by mold by turning off air conditioning or heat and closing windows in the home
- Keeping all areas within the home dry as possible
- Using equipment such as negative air chambers in order to keep the spores in one place
Why Is Containment Important?
Containing mold often requires the use of various strategies and pieces of equipment. Mold containment is generally beneficial after mold contamination is found in a home for the following reasons:
- Reduces the likelihood of mold spreading to areas of the home that haven’t yet been impacted by mold growth, therefore preventing structural damage and damage to items within the home
- Stops mold from further damaging affected areas
- Lowers the overall costs of the restoration process by preventing new damage
What Happens After Containment?
The mold remediation process doesn’t stop after the mold is contained. Once professionals are certain that the mold is contained, the process of restoring the home and items damaged by mold really begins. Since mold spores exist everywhere, air filtration devices are used to bring the mold spores down to a safe level. Then, items that have been damaged by mold are removed from the home and are cleaned, and either restored or replaced. Finally, restoration of the home begins.
Containment is one of the most important steps in restoring a home affected by mold contamination. Understanding what the mold containment process entails, why it’s important and the steps that follow can help homeowners prepare for mold remediation.