A Broken Pipe and Insurance
When you have a broken pipe call your insurance company.
A Broken Pipe and Insurance
Most homeowners insurance policies cover broken pipes, but it's important to know for sure if they're covered and how much you might be able to claim.
How Do I Know If It’s Covered?
If the pipe is inside your Noble, OK home, it's likely not covered by insurance. But if the pipe is on your property line and you share a joint ownership agreement with your neighbor, it could be covered by their homeowner's policy. Alternatively, if the pipe is in front of or behind your house and on city property, it may be covered by municipal insurance.
The first thing to consider is whether or not your pipe was broken due to neglect. If it was, you won't be covered. If you let your pipes freeze and then burst, for example, your insurance company will not help.
The second thing to consider is whether or not the broken pipe was caused by a natural disaster like an earthquake or flood that wasn't under your control. If you have homeowner's insurance and someone else's tree falls on your house during a storm, this would fall under their policy rather than yours because it was an act of nature and not one committed by anyone in particular.
The best way to figure out if your broken pipe is covered is to call your insurance agent.
Steps to take after a pipe bursts
After a pipe burst, it's important to take the following steps:
- Call a plumber. You'll want to make sure that any damage is repaired and you have an accurate estimate on how much it will cost.
- Get your home inventory and insurance policy ready. After the repair is finished, document all repairs made on your house's interior with photos and receipts so that you can submit them to your insurer as soon as possible after filing a claim. It might seem like overkill at first glance (especially if there's no other damage), but having these documents ready will help speed up the process when dealing with both your plumber and insurance provider later down the line!
Preventing Broken Pipes
As a homeowner, you can help prevent this situation by doing the following:
- Properly maintain your plumbing system. The pipes in your house need to be cleaned regularly, and any leaks should be fixed immediately.
- Use the right tools for the job. If you're replacing a pipe, use an appropriate wrench or pliers rather than a screwdriver; if you're cutting through old lead pipes, use sealed shears instead of a hacksaw (unless you have an industrial-strength one).
- Follow the manufacturer's instructions when installing new fixtures or appliances like toilets and faucets; these will tell you how much water pressure is recommended for each fixture type. For example, there are low-flow shower heads available that have been designed specifically for homes with low water pressure issues such as ours; they'll save money on both water usage and heating bills since they don't require as much water flow to produce steamy showers!
- Hire licensed plumbers with experience working on older houses like yours if possible—they'll know exactly what kind of repairs need fixing before moving forward with any actual work so none gets overlooked later down line!
When you have a broken pipe and need to get it fixed, your first step is to call your insurance company to find out if the damage will be covered. With proper coverage and a little bit of luck, you should be able to get your broken pipes covered by insurance. If not, then it’s time to take action. Contact your insurance provider and let them know as soon as possible so that they can begin filing a claim on your behalf.
When you need the water that has flooded your home or business mitigated and restoration work done, give SERVPRO of Norman a call! We will help get your Norman business or home back to normal.
Fire Commercial Cleanup Process
If you have commercial fire damage don't hesitate in calling your local SERVPRO
Fire Commercial Cleanup Process
If you've just experienced a fire in your Norman, OK home or business, you're likely dealing with more than just the loss of property and valuables. Smoke and soot can spread quickly after a fire, causing damage that can last for years to come. Cleaning up from a fire is essential in restoring your home or business to its pre-fire condition, but it can also be dangerous if done incorrectly. That's why it's important to hire skilled professionals who have experience cleaning up after fires and know how best to ensure that no residue remains once the smoke has cleared.
Smoke and Soot Spread Fast
Smoke and soot particles are the most visible sign of a fire. They can spread through a building in minutes after a fire, contaminating everything they touch. Soot particles are often the first priority when cleaning up from a fire because they can cause health issues if inhaled over time.
Starting the Cleanup Process
After the fire damage has been assessed and the fire department has left, it’s time to start cleaning up the mess. The first steps in this process are to clean up any debris and soot from walls, floors, and furniture. This can be done using a variety of methods including vacuuming or wet mopping with water and detergent solution. If you have carpets that were damaged by smoke odor, you may need to shampoo them as well.
Call the Professionals
Once the fire is extinguished and the bulk of the smoke has cleared, SERVPRO of Norman will use special equipment to remove particles from carpeting, curtains, and furniture. They will also vacuum soot and ash with a HEPA filter vacuum cleaner. The vacuum should be cleaned after each use to prevent excessive dust accumulation which can become airborne again when disturbed in some way (such as vacuuming).
Air purification. Professionals use advanced air purification methods to remove smoke and soot particles from your building's interior. They'll use air scrubbers, HEPA filters, and other methods to remove particles.
You can also use a vacuum cleaner (like the Shop-Vac brand) to pull dust and dirt from your carpets and floors after a fire has been put out by firefighters. A wet/dry vacuum is another option for removing debris from flooring surfaces
Hiring a professional to clean your house or business after a fire is the best way to get your home back in shape. Although you may be tempted to tackle the job yourself, it's important to remember that these types of cleanup efforts can be very dangerous and should only be completed by professionals who are trained and equipped with the proper equipment.
When you’ve been affected by a fire, it can be easy to overlook the damage that smoke and soot can cause. But if you want your home or business to return to normal as quickly as possible, it’s important to call in professional damage restoration experts who have experience dealing with these types of messes. These professionals will know exactly how much time is needed for cleaning up after a fire before it’s safe for people to return.
Hidden Mold in Facility Air Ducts
Mold in air ducts
While mold is often visible on surfaces like ceiling tiles, walls, and floors, black mold could be hiding unseen in the ductwork at your facility in Hall Park, OK. If you suspect mold growth in your ducts, you will need to take steps to determine where the problem is and remediate any affected areas.
Why Does Mold Grow in Air Vents?
Mold requires four ingredients to grow:
- Organic material (often found in dust)
- A surface to grow on
Air ducts are dark and often contain moisture from humid air. Ducts that have not been cleaned in a while can contain dust. With all of these favorable conditions, mold can sometimes be found in ductwork.
How Can I Spot Signs of Mold in Ductwork?
The presence of black mold in your ducts may be indicated if you see black dust around your vents. It may be in patches and difficult to wipe off. You may also notice a musty smell. If any of these signs are present, you can call a mold remediation specialist to help you with removal.
What Is the Mold Removal Process?
After technicians have confirmed mold is present in your air ducts, they will inspect the insulation around the ductwork. If there are signs of damage, the insulation may need to be replaced.
Technicians will clean ducts and disinfect them using appropriate tools and mold-cleaning agents. They can also use specialized air filtration systems and HEPA vacuums to remove any spores from the air in your facility. If mold is also present on walls, floors, or ceiling tiles, technicians can conduct remediation for those areas.
Remediation specialists can also find the source of the mold problem, helping you prevent future growth.
Identifying black mold growth early and getting help from a mold remediation company in Hall Park, Ok, will help you keep your facility operational. Early intervention can also save you money in the long run.
How To Quickly Respond To a Disaster
Mitigation requires quick action
How To Quickly Respond To a Disaster
A commercial building owner or manager should respond to a disaster at the first indication of property damage. Preparation ahead of time is necessary for the most effective response. Here are three measures that a property owner or manager can take at any time to create an emergency profile for a property in Noble, OK.
1. Establish a Restoration Relationship
Selecting a provider of damage mitigation, cleanup, and restoration services ahead of time can prevent panic over who to call when disaster strikes. SERVPRO specializes in every phase of the restoration process and can provide a single estimate that will simplify the process of making a commercial property insurance claim.
2. Develop a Property Profile
Picking a provider is only the first step toward a timely disaster response. A building owner or manager should create an emergency profile for each property to obtain the fastest feedback from damage mitigation, cleanup, and restoration specialists. Arranging for a no-cost assessment in advance ensures a quick response when every second counts. A facility walkthrough can supply all of the information and documentation restoration professionals need to assess damage through the Emergency Ready Program application.
3. Report Damage As Soon As Possible
The same ERP app used to create profiles can also notify a restoration company in the event of a disaster. Even if a building owner or manager chooses to contact the service by phone or online, property profiles provide important information and allow for a more efficient response. This app also supports the submission of the first notice of loss.
Building a relationship with a restoration company and maintaining an emergency profile can significantly expedite the process of reporting damage at a commercial building in Noble, OK. The information a building owner or manager provides about a structure can improve the accuracy of a preliminary assessment of damage and allow for quick mitigation and restoration.
Protecting Your Business From Flood Damage
Consider unplugging your electronics, this will help them against flood damage
Ways To Protect Your Building From Flood Damage
If you own a business, you know you need to protect your building from flood damage. Fortunately, there are a few ways that you can do this in Hall Park, OK.
Have a Plan
One of the most important ways you can protect your business from a flood is to have a clear plan for what happens if it is going to flood. This plan should:
- Be comprehensive
- Encompass before and after the flood
- Have vital information on what to do
Keep your flood plan on-hand or in an accessible place.
Keep Vital Information On-Hand
You will need to keep important information like insurance policies and the number of a storm damage remediation company in a separate location. This can help you get things started even before the floodwaters recede.
Prepare for Flooding
You can prepare for flooding by keeping some flood supplies on hand. You can easily store absorbant flood barriers and plastic sheeting.
Keep Electricity Away From Water
Whenever possible, move your electrical outlets to water safe heights. You should also keep all electronics like computers and printers off the floor. If it is safe and you suspect that it might flood, consider shutting down the power to any electronics and unplugging them. This will help to protect them against flood damage.
Use Flood-Resistant Landscaping and Materials
If you have the choice, choose flood-resistant materials to decorate your office. Most of these materials can survive around 72 hours in the event of a flood. This can save you time and money when you want to return to normal business operations.
Decorate your premises with native landscaping. Native plants help provide a barrier and can survive a flood if it is something normal for your area.
Seal the Cracks
Like using water-resistant materials, you can also help protect yourself by sealing any cracks in the outside of your building. This will keep water from seeping in.
Protecting yourself against flood damage is important in all areas. If you follow these suggestions, they can help you get back to business faster.
The Potential Income Loss After a Business Fire
Business fire in Slaughterville, OK.
The Potential Income Loss After a Business Fire
If your company is hit with a business fire, you will have many things to worry about. One of the most serious issues is the potential loss of revenue as your business shuts down for reasons of safety and repairs. For this reason, having a robust interruption insurance policy is often a necessity for many companies. This type of policy is added as a rider to your comprehensive insurance and has the following benefits:
- Pays many of the bills while operations cease
- Replaces lost business income
- Pays some or all of the expenses of a temporary facility
The coverage typically lasts for the length of the business interruption. In some cases, the coverage will last a few days after the completion of repairs.
The Consequences of Inadequate Insurance
Business insurance is there to help your company manage risks. Without adequate insurance, your company in Slaughterville, OK, is vulnerable to the devastating effects of a fire. Your company could potentially face thousands of dollars of lost income each day your business can't manufacture or sell products or provide services. Without interruption insurance, this could result in missed loan payments as well as missed obligations to vendors. Your credit rating could take a hit and your relationships with vendors could suffer.
The Benefits of Professional Fire Restoration
One way to minimize the impacts of a business fire, is to hire the services of a trusted fire remediation franchise. The SERVPRO company is always Here to Help in any emergency situation.
Trained technicians will arrive on the scene fast and begin to work to get your company operational again. After a fire, they will remove soot and smoke damage and clean and sanitize the building. They will repair all damaged areas of your facility.
Interruption insurance is a vital tool to help your company survive a fire. A fast and efficient cleanup that minimizes the disruption is also beneficial to your company's bottom line.
3 Things You Should Know About Fire Damage Legal Liability Coverage
Fire damage in Lexington, Ok home
3 Things You Should Know About Fire Damage Legal Liability Coverage
Most of the time, when a fire occurs in a rental property, the property owner's policy covers the damage to the building and the tenant's policy covers damage to the tenant's personal belongings. However, there are some instances where a tenant may be held liable for the damage to the building they occupy. This liability may be covered by fire damage legal liability coverage.
1. What it Covers
This coverage, which may be included as part of a general liability policy, applies to damages caused to the rented premises a tenant occupies that the tenant is legally liable for. It may be referred to on the policy as a "damage to premises rented to you" limit.
2. Who Needs This Coverage
Any tenant who negligently causes a fire that damages the rental unit or other parts of the building could be sued by the property owner. Fire damage legal liability coverage would pay for repairs to the building, cleaning smoke damage, and other costs the tenant is found to be legally liable for due to negligent actions. This coverage could be beneficial to any tenant and may be a requirement in some rental agreements.
3. What the Coverage Limitations Are
This coverage usually comes with a limit of $50,000 or $100,000. It only covers liability that arises out of damage caused by a fire. It would not cover other causes of loss, such as water damage. The coverage does not apply to contents. It only covers fire damage restoration for the premises. The insured person must be found to be legally liable for the damage and other exclusions may apply.
If your negligence causes a fire that damages the premises you rent, fire damage legal liability coverage may pay for the damage to the building you are legally liable for. An insurance professional in Lexington, Ok, can explain your coverage options.
5 Common Commercial Water Issues
Dripping faucets can slowly drive up your monthly water bill
Common Water-Related Problems
Staying on top of smaller issues in your commercial building is one of the best ways to prevent them from snowballing into larger problems. Remaining vigilant is especially important when it comes to plumbing issues, such as leaking pipes or backed-up toilets. Make sure you regularly check your building in Eason, OK, for the following common water-related problems.
1. Low Water Pressure
Low water pressure can indicate several different issues, such as leaking pipes. Any water that escapes through the leak naturally won't come out of the faucet where it's supposed to, leading to suboptimal water pressure.
2. Damaged Building Foundation
Structural damage in your building, such as cracked, bulging or otherwise warped foundation, can signal the presence of a serious leak. These deformities are often a result of flood water accumulating within your building's structure and can indicate a hidden pipe break.
3. Clogged Drains
Customers are much less likely to treat your commercial bathrooms with the same respect that they'd treat a residential one. This can lead to many undesirable items getting flushed down your pipes, resulting in clogs. At the very least, this leads to an unsightly bathroom. In severe cases, it can result in toilet backup or sewage overflow.
4. Pinhole Leaks
Pinhole leaks are especially common in older buildings, where the copper or cast-iron pipes aren't built to last as long. These tiny holes can cost thousands in wasted water. Keep an eye out for these silent leaks by watching for a spike in your monthly water bill or a drop in your building's water pressure.
5. Leaking Toilets and Faucets
Much like pinhole leaks, dripping faucets and toilets can slowly, yet steadily, drive up your monthly water bill. Make sure you take the time to inspect your commercial bathrooms to make sure none of the appliances are dripping or leaking. Repair any problems you come across.
Leaking pipes, dripping faucets, and clogged drains are all common plumbing issues for commercial building owners. Staying on top of the issue can help reduce the amount of damage your building suffers and keep your business running smoothly. Contact water restoration experts for professional help.
4 Important Safety Tips for Cooking With a Gas Range
Each time you light a surface burner on your stovetop, check to make sure that the burner is completely lit.
4 Crucial Safety Tips for Cooking on a Gas Range
Whether you're using your gas range for the first or 400th time, the unique challenges of cooking over an open flame can be daunting. Here are four important safety tips to keep in mind when cooking with gas.
1. Check for Coverage
Each time you light a surface burner on your stovetop, check to make sure that the burner is completely lit. If you notice that the flame only surrounds a portion of the burner cap, turn the stove off again and look closely at the notches around the sides. If you notice grime or grease buildup in these notches, it’s time to clean your stove.
2. Clean Carefully
Cleaning a gas range is simple, but you may damage your stovetop if you aren’t careful. Don’t attempt to move your oven away from the wall, as you could damage the gas line that feeds the burners. Instead, sweep around the base of your appliance carefully with a thin broom or toothbrush.
Remove grates and burner caps completely before cleaning them so that no extraneous cleaning fluids puddle beneath them. Finally, make sure that any chemicals or cleaning fluids you used for range cleaning are completely dry before lighting your stove.
3. Prevent Smoke Smell
Whether you’re making soup, sauce, or the best three-bean chili in Noble, OK, cooking over flame often produces smoke, so it’s important to ensure that your kitchen is well ventilated. If you notice a smoky odor when cooking, then you may need to improve the kitchen's ventilation. You can achieve this goal by making sure your kitchen hood is functioning each time you use your stove and by opening exterior doors and windows.
4. Practice Fire Prevention
Observing basic fire safety is key when cooking with fire. A fire damage specialist can help you determine how best to prevent fires in your kitchen and how to proceed should your home require fire damage restoration.
Remember these four safety tips when using your gas range, and you’ll keep your stovetop in good repair and your kitchen safe.
5 Ways SERVPRO Eases the Claims Process
Our team strives to help make every disaster seem, “Like it never even happened.”
5 Ways SERVPRO Makes Claims Processing Easier
When a client in Hall Park, OK, files a claim for damage to the property, time is of the essence. Ensuring that the situation is resolved as fast as possible and with every party’s best interest in mind means contacting a remediation and restoration company with claim services. With local franchises backed by a nationwide corporate entity, below are five ways SERVPRO eases the claim process.
1. Emergency Response
Whether fire, mold, storm or water damage, the longer the damage sits, the chances that there will be more damage. The right professional will be available 24/7 to take the claim and get the ball rolling to get the business’s property back to normal.
Maximizing time and money is essential to everyone involved. Claims professionals are trained to make restoring a priority over replacing. This cost-effective approach enables savings across the board and reduces hassles.
3. Inventory Service
Part of good claim services is having peace of mind that all loss are inventoried and documented. Our claims professionals create a detailed list, including photographs, of equipment and belongings. This not only provides peace of mind but also ensures that everyone is on the same page regarding the losses.
4. Electronic Claims
Throughout any project, things can change. When that happens, it is essential that everyone is on the same page. With our Claims Information Center, you and your client have instant access to the entire project, down to every job. If something unexpected arises, it makes it easier to make the right decision fast.
5. Trained Professionals
Along with knowing that every technician working on the project is certified and trained, the people behind the scenes are also trained and well-versed in the insurance world. With this backing of professionals, you can have confidence that every part of the process will be completed by a professional.
Dealing with a claim shouldn't be more complicated than it has to be. Choosing a restoration company with built-in claim services helps keeps it simple while ensuring all the work is done right.