Recent Posts

The Benefits of an Electronic Claims Service

1/23/2020 (Permalink)

When a disaster strikes your client’s business in Noble, OK, it’s important to make sure that you get an accurate picture of the damages. Since the client will likely be filing an insurance claim, the insurance company will probably be one of the first calls. It’s just as vital, however, to work with a reputable mitigation and restoration company that can start the repair process and keep track of it every step of the way using an efficient electronic claims service.

Keeping Track of Damages

An insurance adjuster’s job is to assess the damages to the client’s property. Many customers like to have a secondary list to back up their claims, though. The electronic record that SERVPRO keeps includes certified technicians’ professional assessment of the damages:

  • Floor or ceiling tiles that are ruined
  • Walls that need replacement
  • Items that require repairs, such as electronics or furniture

The electronic record can verify information on the insurance claim with pictures and videos. Many insurance companies want more than a list of charges. Being able to show the extent of the damage with visual proof can help the adjuster make an accurate assessment. Such files can be uploaded for easy access.

Providing Timely Information

Whenever clients submit hard copies of the information needed to verify claims, the insurance agent has to wait to receive them. With an electronic claims service, up-to-date facts and figures are available all the time to anyone who has access to the records. The provider can see not only the original estimate but also any adjustments the technicians have had to make along the way. Availability to the latest information can help you settle the claim efficiently.
If a client makes an insurance claim after a covered building sustains water, fire or storm damage, it makes sense to work with a restoration company that keeps accurate electronic records. This claims service can be the key to helping clients make their businesses whole once more.

How Quickly Does Mold Spread?

1/9/2020 (Permalink)

Black mold found behind bathroom tiles Black mold, a common fungus, spreads quickly

How Quickly Does Mold Spread?

Black mold, a common fungus, spreads quickly. This is because, in nature, this microbe is a natural decomposer; therefore, when it encounters water and organic matter, it can produce quickly, often within one to two days. It attacks your company's structuring; and, if left unattended, can destroy drywall and wooden structures, creating quite the expensive repair job. As a business owner in Corbett, OK, remain vigilant. Consider the following three things to mend the situation and keep this from happening to your establishment again.

Locate the Trouble

Ceiling leak issues are not always immediately noticeable. Often starting as something small, they continue sometimes for months, with water simply accumulating in the attic or crawl space. If you notice moisture or wet rings, hire a roofing expert and mold remediation team to investigate the problem. Not only should the hole be closed off to prevent additional damage, but then inspected to determine the extent of pollution.

Treat the Space

Black mold necessitates swift removal. Ask for antimicrobial spray to kill the spores. Then, have professionals tear out any affected porous items and dry out the region. Holes may be cut in surrounding areas to determine how far fungus has gone. Bring in industrial dehumidifiers to pull out the excess humidity, and do not progress until testing reveals it's fully aired out. Wipe off walls, have fixtures sanitized and see to it that any polluted objects receive replacement.

Schedule Regular Checks

Try to prevent allowing a roof leak to grow. If you own the building, schedule routine inspections, checking for any issues with the flash or shingles. Immediately fix these complications. If you rent, work with the landlord or manager to have then look over the roofing. Doing this could help prevent future predicaments.
Black mold advances swiftly, so if you suspect contamination, seek expert assistance right away. Have the region evaluated, looking for hidden trouble. Patch the roofing, and extract the impacted material.

Simple Ways to Keep Your Business Protected From a Fire

12/26/2019 (Permalink)

Fire Drill Alarm Words Practice Emergency Exercise 3d Illustration It’s important to schedule regular fire drills

Keeping Your Business Protected From a Fire

A fire disaster is something that no business owner wants to think about. Unfortunately, it is a reality that can happen to anyone at any time. The best way to handle fire damage is to be properly prepared for it. No matter what kind of business you run, fire preparation is essential to the success of your company. Here are some simple but effective ways to keep your business in Mickiddyville, OK, protected from a fire.

1. Conduct Fire Drills

When a fire takes place, people often break out into a panic and fail to act in an orderly manner. It’s important to schedule regular fire drills so that everyone knows what to expect in case of a real emergency. Take some time to map out the entire building and highlight all exits and stairwells in your fire escape plan. During drills, make sure that everyone is assigned an exit and staircase to maintain a sense of structure and order.

2. Maintain Your Fire Alarm System

Another crucial aspect of fire preparation is proper fire alarm maintenance. To confirm that your alarm system is in working order, be sure to schedule regular inspections and test the alarms at least once a year. If you come across any issues, make sure you take care of them immediately. Failing to take prompt action can put your business in danger if a real fire occurs.

3. Keep Paths Clear

Keeping your business free of clutter and other fire hazards is essential to basic disaster preparation. Make sure that all paths and walkways on your property are free of obstructions and easily navigable. Additionally, the interior of your building should be just as organized. Encourage your employees to clean up after they’re done working and check each exit and stairwell for any blockages.
Relying on fire preparation to protect your business is vital. However, if a disaster ever takes place, don’t hesitate to schedule a fire damage assessment immediately.

3 Situations When Your Business Should Get Flood Insurance

12/24/2019 (Permalink)

Flood insurance form on a table with a book If your building is located in one of these areas, then flood insurance can be very useful

3 Situations When Your Business Should Get Flood Insurance

If you have a business in Lexington, OK, then you probably have some sort of insurance coverage to protect your building from multiple types of damage. However, if you don’t have additional flood insurance, you may want to consider adding it to your policy. The following are a few situations when you should do this.

1. When You Are Located in a High-Risk Area

There are many areas that often experience flooding. If your building is located in one of these areas, then flood insurance can be very useful. In some cases, those with buildings in high-risk locations might even be required to purchase additional coverage. This will likely be the case if you have a mortgage on the building with a federally insured or regulated lender.

2. When You Want Complete Coverage

While your commercial insurance will cover a large variety of damage, both from accidents and natural events, it will usually not include flood damage. Floods can cause a lot of damage which can be expensive to repair. For this reason, your insurance company will likely require you to pay more for this kind of coverage.

3. When You Get Severe Weather

Even if you are not in an area where flooding is considered likely, you may want to consider purchasing the additional insurance if there are many severe storms. A large amount of rain can cause water levels to rise, resulting in flood damage. The same can also occur after a snowstorm when the snow begins to melt. If this happens too quickly and the water has nowhere to go, it will likely cause damage to your building.
Purchasing flood insurance for your business will ensure that you are prepared for any situation. If your building is damaged and you need a cleanup and restoration service to make repairs, the money you get from your claim can help pay for this. Otherwise, you may be stuck paying for restoration on your own.

What Is Category 3 Water Damage?

12/13/2019 (Permalink)

A neighborhood flooded Sewage and flooding are considered Category 3

Black water is likely to be contaminated. It may contain bacteria, viruses, parasites, or dangerous chemicals that other types of water are unlikely to have. When encountering this type of water, you should take precautions to keep yourself protected because exposure to this water is not considered safe.

What Are the Dangers?

Black water can come from many sources. Inside homes, it usually comes from toilets that have overflowed or from floodwaters that have picked up contaminants such as sewage and animal waste. This water can carry many potential hazards:

  • E. coli
  • Norovirus
  • Intestinal worms
  • Salmonella
  • Rotavirus

What Are the Clean-up Methods?

Whether you are faced with a basement flood due to rising floodwaters or a sewage cleanup in your bathroom, you should treat the water as if it is contaminated. Protect yourself by staying out of the water whenever possible. If you must enter, wear protective clothing and gloves. Ensure the water does not enter your mouth or any open wounds. If you can stop the inflow of water, that should be the first thing you do. You may prefer to clean and sterilize minor accidents yourself, but unless the water damage is contained to a very small area, you may need the help of a professional. Professionals can safely extract the water, dry, and disinfect the area. They use specialized tools, machines, and disinfectants to dry larger areas quickly, reducing the likelihood of contaminants in your home. If you have sustained damage to structural items due to category 3 water, they can remove and replace these items for you.
If you experience black water in or near your home in Slaughterville, OK, remain calm and do your best to stay out of the water. Although it can be a scary situation, with the help of a professional water restoration company, you will soon be on your way to a clean and healthy home.

How To Clean a Moldy Washing Machine

11/27/2019 (Permalink)

Low angle view of baking soda with vinegar, natural mix for effective house cleaning Instead of using harsh bleach, you can clean the inside of the machine with a vinegar and baking soda solution

How To Clean a Moldy Washing Machine

A front-load washing machine gets clothes cleaner than a traditional washer while using less water and detergent. However, if the wrong type of soap or too much soap is used, it can stick to surfaces inside the washer. This creates a ripe environment for mold and bacteria growth. If you notice a musty smell coming from your washer, you likely have a mold problem. You do not have to live with the smell. With a few easy steps, it is fairly simple to have your washer smelling fresh again.

Clean With Vinegar and Baking Soda

Instead of using harsh bleach, you can clean the inside of the machine with a vinegar and baking soda solution. Mix 1/4 cup baking soda with 1/4 cup water. Pour the solution into the detergent container. Add two cups of vinegar into the empty drum. Run the washer through a cycle using high heat.

Scrub With a Scrubber Sponge

After the wash cycle is complete, check the washing machine to see if any grime, dirt, or mold remains. Be sure to check the rubber seal around the door. This is prime real estate for water to get trapped, and bacteria and mold love to grow in areas that trap moisture. The backside of a kitchen sponge should provide enough friction to remove any remaining grime.

Prevent Mold Regrowth

Now that your washer is free from the mold smell, you will want to prevent it from returning. To do this, use a detergent that is made specifically for high-efficiency washers. Avoid creating an environment that is hospitable to mold by removing clothes promptly. Leave the washer door open so that the machine dries out between loads.
Returning your washing machine to normal only requires a few steps, and you will have your dirty laundry smelling clean again. If you find that you still have a mold problem in Hall Park, OK, you can contact a mold remediation company to restore your washer.

Renters Insurance and Fire Damage

11/22/2019 (Permalink)

Renters insurance form and dollars, calculator, glasses and two keys on the table. Fortunately, renters insurance generally covers fire damage

A fire to your Eason, OK, home or apartment can be a major hassle, and it may be even trickier if you are a renter. Fortunately, renters insurance generally covers fire damage.

Insurance Coverage Categories

There can be many types of expenses related to a fire at the property you rent, so it is important to be fully covered. Every policy is different, but most companies offer coverage to renters in the following areas:

  • Contents
  • Loss of use
  • Liability
  • Medical payments

Contents coverage replaces your personal belongings if they are destroyed in a fire, assuming you are covered for replacement cost rather than actual cash value. Loss of use coverage helps pay for temporary living arrangements while the home you rent is being restored. If you accidentally start the fire, liability insurance protects you against lawsuits filed against you. Medical payments coverage pays out for claims small enough not to warrant determining fault. As a general rule, renters insurance covers costs that affect the renter. Costs that affect the owner, such as damage to the home’s structure, are covered by the property owner's insurance policy.

How To Document the Damage

After a fire, you may be tempted to immediately begin the fire restoration process. However, it is important to take time to properly document the damage first. This way, your insurance company can fully compensate you. Once the authorities have declared your home safe, you can begin taking the photo or video evidence of the fire damage. Make sure the photos or videos are as detailed as possible. In addition, make a list of all the items that cannot be salvaged, the date you purchased each one and the purchase price. It is helpful to keep a home inventory of all big-ticket items in either a fire-proof safe or cloud storage.
Renters insurance can help you financially after a fire. However, for assistance with fire cleanup and the refurbishment of your personal property, you may wish to enlist the help of a certified fire restoration company.

What To Expect During a Roof Restoration

11/16/2019 (Permalink)

Roof reconstruction Roof reconstruction in Etowah, OK

What To Expect During a Roof Restoration

After a storm in Etowah, OK, you may find your home is in need of a roof repair. There are a few steps you can expect to see your local storm damage restoration company take during the restoration process. Here's what you may want to know.

1. An Assessment of the Damage

One of the first steps you will see your local restoration company take is the assessment of any damage. This will help them determine whether they're looking at water, hail, snow, or wind damage so that the proper repair steps can be followed. After the assessment they will also be able to provide an estimate for your insurance company.

2. Prioritization of Repair Tasks

Once the assessment has occurred the restoration team working on your home can begin determining the prioritization of repair tasks. During a roof repair, certain tasks will need to be performed ahead of others in order to complete the restoration correctly and efficiently. For example any damage sub-layers will need to be repaired ahead of replacing shingles. The professionals working on your home will first determine which repairs need to be made and in what order before starting the restoration.

3. The Completion of Repairs

Once the roof damage to your home has been assessed, and after a restoration service has determined the best order of repairs, they can begin to restore your roof. Depending on the damage type and severity you may say anything from repairing a small area of shingles, to checking for and replacing waterlogged wood. If your gutters have been damaged you may also want to have them replaced at this time.
During the roof repair process, you can expect to see your local restoration company make an assessment of the damages, prioritize the repair tasks so they can have an efficient order of work, and then conduct and complete the repairs. If you have any questions a professional may be able to help.

How To Conduct Fire Drills and Prepare for Workplace Emergencies

10/30/2019 (Permalink)

A note on a paper that says What is your action plan You should create and emergency action plan for your business

How To Conduct Fire Drills and Prepare for Workplace Emergencies

As a commercial business owner in Norman, OK, you have plenty of tasks to perform and problems to solve each day. You may not spend much time thinking about what you will do during a workplace disaster.
However, preparing for emergencies ahead of time can limit the impact of the disaster on your business. There are many types of emergencies that can affect a commercial building, including:

  • Tornadoes
  • Fires
  • Explosions
  • Chemical spills
  • Hurricanes
  • Floods

Fire and storm damage can be devastating. Flood cleanup can be especially time-consuming and costly for your business. That is why you should create an emergency action plan and conduct at least one fire drill per year.

Emergency Action Plans

Some employers are legally required by the General Industry Occupational Safety and Health Standard to create action plans. Yet all companies should have some disaster preparedness measures in place.
Any disaster plan should detail how employees can report emergencies, and how the rest of the building will be notified. You should also come up with an evacuation procedure and make sure that workers know the best way to get out of the building. Make sure to consider the needs of any disabled employees.

Conducting Drills

A yearly fire drill can reinforce the plan and ensure that employees know what to do and where to go during a disaster. You may even want to call your local fire and police departments for assistance with the drill. Afterward, talk with your employees and managers to assess how the drill went. Discuss any weaknesses with your plan and adjust it accordingly.

Disaster Cleanup

Of course, even if you are fully prepared for emergencies, you may not be able to prevent flood damage to your building. Storm cleanup specialists can restore your property quickly so your employees can get back to work.
Holding a fire drill in your office will give your employees peace of mind. They will know what to do in the event of a disaster.

Understanding Insurance Claims and Rates

10/14/2019 (Permalink)

Wooden bricks in the shape of a house, the hands of a person sliding a piece of wood with the word INSURANCE Remember that insurance exists to help you when you truly need the financial support

Comprehensive insurance plans are a wonderful investment because you can rest easy knowing you and your home are protected in the event of an accident, natural disaster, or other incident that would otherwise cause major financial problems. But there can be a downside to filing an insurance claim, in that you run the risk of having your rates raised in the future. Understanding how claims work and how you can protect yourself from skyrocketing rates help ensure you will be fairly compensated without paying a hefty price down the road.

Common Insurance Rate Factors

Insurance rates tend to stay fixed so long as there is not a major change to the home, your personal circumstances, your surrounding area. Rates can change, however, for a variety of reasons, including:

  • Number of claims – If you have filed multiple claims, especially within a short period of time, your rates are likely to be raised since you will be considered a high risk client
  • Who is at fault – Filing an insurance claim following a natural disaster is less likely to result in a rate hike since you are not at fault
  • Type of incident – A home flood is often damaging to your reputation with your insurance company and is more likely to result in a rate hike than something small such as a first speeding ticket

Additional Points to Consider

Since you run the risk of rate hikes, it is important to be discriminating when deciding whether to file an insurance claim. During a home flood in Norman, OK, for example, ask yourself if paying to repair and remediate water damage is affordable without involving the insurance company. It usually does not make sense to file a claim for a small incident, especially if the cost will be similar to your deductible. Remember that insurance exists to help you when you truly need the financial support, not to pay for any small repair or cleanup, so understand your policy and the impact it will have before deciding whether to file a claim.