What To Do After a Flood If You Don’t Have Insurance
FEMA can help you restore your home after a flood
What To Do After a Flood If You Don’t Have Insurance
If you live on a flood plain in Bristol, CA, you are probably worried about excess water destroying your home. A sudden rainstorm or hurricane can cause massive destruction, and your regular insurance policy might not cover the damage.
Some renters or homeowners thus purchase a separate flood insurance policy. Others, however, don’t realize that they aren’t covered for flood damage until it is too late. Thankfully the Federal Emergency Management Agency has grants available to assist renters and homeowners after a flood. This money can help pay for:
- Personal property loss
- Dental or medical expenses
- Temporary housing
- Home repairs
How To Apply
You can go to www.DisasterAssistance.gov or call 800-621-3362 to register for a grant from the Federal Emergency Management Agency. An inspector will then come to your home to assess the damage.
You can clean up your home before the inspector arrives, however. In fact, you should call your local storm damage restoration company as soon as possible after a flood. FEMA may then reimburse you for the cost of the repairs.
Anyone who lives in a federally declared disaster area is eligible for this assistance. You can even apply for the grant if you have flood insurance.
What Other Assistance Is Available?
While FEMA can help you restore your home after a flood, the grant may not cover all of your expenses. However, you can also apply for a low-interest loan from the U.S. Small Business Administration (SBA). Despite its name, the SBA provides loans to renters and homeowners, not just businesses.
Homeowners can borrow up to $200,000 from the SBA to replace or repair their house. Both homeowners and renters can also borrow up to $40,000 to cover the loss of their personal property. Unlike the grants, however, you have to repay these loans.
Flood insurance is the best way to ensure you are covered following a natural disaster. Yet even if you don’t have insurance, you may not have to pay for all of your expenses out of pocket.
How To Establish an Emergency Escape Plan
Business leaders must have a fire escape plan in place for every building within their responsibility
How To Establish an Emergency Escape Plan
No commercial property is entirely free from the risk of fires. Unfortunately, it only takes minutes for a small flame to become a destructive blaze. With this in mind, business leaders must have a fire escape plan in place for every building within their responsibility. An effective emergency escape plan should move people out of the building and to a safe gathering place. The first step is identifying all possible causes of fire:
- Worn wiring, short circuits, and electrical failures
- Inappropriate disposal of waste products
- Improper storage of flammable products
- Severe weather and lightning strikes
- Inappropriate use of fire, such as leaving candles unattended
Once you've reviewed the possible scenarios, create and enforce policies regarding each situation. Even with the proper training, however, fires still happen.
Your fire escape plan should include several elements. Begin by putting together routes of escape. For the best results, contact a professional fire trainer to help determine the most effective routes for escaping the workplace and maintaining clear paths along those evacuation routes.
Quick Response Team
Next, put together a quick response team. These employees will be the people responsible for helping other employees leave the building and gather together in an assigned meeting place. They are also responsible for communicating with local fire authorities and with each other.
Assign specific evacuation responsibilities to employees who are not part of the quick response team. This step increases the speed of evacuation and gives those employees a single-minded purpose that reduces the amount of panic that might otherwise set in.
Regularly conduct fire safety training for all employees. This step is essential for the safety of everyone who works inside your buildings. Work with professional fire trainers who may conduct training sessions and provide fire safety tips for your organization.
Westside, CA, fire damage cleanup companies are available to respond after fires have been put out. Make sure your employees are safely out of the building before those professionals arrive by developing an effective fire escape plan and making sure regular training takes place.
How To Get Rid of Odors After a Flood
A storm in College Park, CA, can flood your commercial building, leaving you in need of storm restoration experts. When storms leave widespread destruction in their wake, local cleanup crews may not be able to get to everyone as quickly as usual. If a mess is left too long, it can begin to smell. The foul odors in your building after a flood can be due to anything from sewage to mold growth. A comprehensive cleanup and restoration of your building is necessary to get rid of the stench.
Thorough Flood Cleanup
The first step of getting rid of odors after a flood is typically accomplished by getting rid of the bacteria that cause the odors. A complete cleaning of your building can include many tasks:
- Water extraction
- Carpet cleaning
- Insulation removal
- Drywall replacement
After everything that has been touched by contaminated flood water has been removed or cleaned, technicians disinfect every surface in your building that could possibly be dirty. This can also help prevent mold growth and other secondary damage.
Air Quality Improvement
Even after your building is clean, rotten odors can still linger in the air. This is especially likely if your building has experienced a sewage loss. Technicians may bring in air purifiers with HEPA filters to capture anything that makes your building smell bad. After a few hours or running the purifiers, you should notice a marked difference. Another technique specialists may try is an ozone treatment. Ozone molecules are released into the air where they bond with the particulates that are causing the odor. In doing so, these ozone molecules neutralize the offenders, leaving behind fresh air. Once the building has aired out, you and your employees can return to a building with better air quality.
The longer a building is exposed to flood water, the more likely it is to develop mold growth and other problems. With these problems come bad odors. Once technicians arrive, however, they can take care of both the smell and its cause.
Preventing Water Damage in Your Home
Water damage in a Fairgrounds, CA kitchen due to a broken pipe
Water damage in Fairgrounds, CA, is a serious issue for homes across the country. Without proper protection and preventative measures, leaking pipes, damaged roofing and old plumbing fixtures can malfunction and cause widespread damage that extends throughout the house. Fortunately, however, taking preventative measures is simple and starts with knowing what causes leaks and water in a home.
What Causes Water Damage?
Water damage in the home can be caused by a variety of triggers, such as:
- Damaged pipes. Over time, these pipes may begin leaking or even burst altogether, introducing massive amounts of water in the home.
- Old roofing. If there are broken or missing shingles on the roof, the risk of a leaky ceiling is significantly higher.
- Lack of drainage. Most homes have downspouts that will redirect rainwater away from the house; improperly placed or missing downspouts remove that extra protection.
How Do You Handle Leaking Pipes?
A broken pipe is one of the most common causes of water damage in the home, so it’s important to keep them in good repair. Have the pipes regularly inspected for damage, and keep an eye out for signs of leakage — wet spots, flooding or any other water in a home can be an indicator of damage. Any warning areas need to be inspected immediately, and it’s best to have a professional assess the issue and recommend corrective measures for pipe cleanup.
What Preventative Measures Can Be Taken?
The best solution starts with a good defense. Perform frequent inspections throughout the house, and be on the lookout for signs of bad pipes or plumbing leaks around any toilets, bathtubs, sinks or hoses. Keep the roof in good condition, replace any damaged or missing shingles, and be sure that any downspouts are directed between five and 10 feet away from the home. It’s a good idea to be in contact with a local professional for questions or emergencies.
Water damage can be a serious issue without counteraction, but preventing water in a home is simple with the right plan. Staying on top of any issues is the key to taking care of water damage before it becomes a problem.
Understanding Your General Liability Policy When It Comes to Mold
Contact your insurance agent to understand which circumstances are and are not covered by your policy
If you have been in business for a while in Mesa Verde, CA, you probably keep up with your insurance policy renewals schedule to make sure you are never without adequate coverage. The next time you renew your policy, look out for language that indicates potential rejection of mold insurance claims. It's important to understand exactly what your property and liability policies cover.
What Are Exclusions?
Insurance exclusions help define the parameters of your insurance policy. There are common exclusions in many policies:
For example, if you have a leaky pipe, and a visitor is injured after slipping on the water that leaks onto the floor, either your property policy or your general liability should cover it. If the air quality in your building is bad and you have not had the necessary mold remediation services needed to get rid of the issue, however, a mold exclusion puts the financial responsibility of any legal fees and damages awarded squarely on your shoulders. Exclusions set the limits of your policy.
Are You Covered?
Even if your policy has a mold exclusion, you may be able to get coverage for mitigation. Mold insurance claims may be accepted if the fungus growth in question was a direct result of a problem that the policy does cover. If employees or visitors to your building, however, sue you for mold exposure, your general liability policy may not cover your mold claim if it has an exclusion. Talk to your agent to understand exactly which circumstances are and are not covered by your policy. Then you know what additional coverage you need to buy to protect your building and your finances.
It's important to understand every policy that you purchase from your insurance company. Renewal is the ideal time to ask questions about any changes that are being made. Knowing your coverage helps you navigate mold insurance claims.
Taking Care of Contents After a Home Fire
Fire damage in Mesa, CA
After a residential fire in Mesa, CA, you may be wondering what to do with all your damaged possessions. Restoration can save you money and the trouble of buying new items. In addition to dry cleaning that many people are familiar with, there are an abundance of restoration processes available to get valuable goods back to pre-fire condition.
Types of Content Restoration
Depending on the extent of fire damage, some of your belongings may be good candidates for restoration rather than replacement. This is particularly beneficial in the case of antiques and sentimental items that cannot be replaced. Nowadays, there are many different content cleaning processes to choose from, including:
- Immersion cleaning
- Foam cleaning
- Ultrasonic cleaning
- Abrasive cleaning
- Wet cleaning
- Dry cleaning
For photographs and other documents, there are also a variety of restoration methods available, including vacuum freeze drying and vacuum thermal drying. In some cases, even electronics can be restored. It is important to leave electronics restoration to professionals because the damage may have affected the circuits, making them unsafe to work with. Professionals can let you know if your items are restorable and select the cleaning method best suited for your items.
After a fire, it may be necessary to temporarily store your belongings off-site in order to better clean them and repair your home. This is commonly referred to as a move-out or pack-out.
Relocating your possessions can help prevent further damage by removing them from lingering smoke and soot, which are corrosive over extended periods, and from water-damaged areas that may begin growing mold. Pack-outs tend to speed up the restoration process because the contractors can focus on the walls, flooring, etc. without having furniture and other personal items in the way.
From dry cleaning to vacuum thermal drying to proper off-site storage, a professional restoration team can take care of your personal possessions while you get the rest of your life back together after a fire.
When Storms or Floods hit Costa Mesa, SERVPRO is ready!
When nature gets wild, let SERVPRO of Costa Mesa come help you get it under control.
SERVPRO is Ready!
SERVPRO of Costa Mesa specializes in storm and flood damage restoration. Our crews are highly trained and we use specialized equipment to restore your property to its pre-storm condition.
Since we are locally owned and operated, we are able to respond quicker with the right resources, which is extremely important. A fast response lessens the damage, limits further damage, and reduces the restoration cost.
Resources to Handle Floods and Storms
When storms hit Costa Mesa, CA, we can scale our resources to handle a large storm or flooding disaster. We can access equipment and personnel from a network of 1,650 Franchises across the country and elite Disaster Recovery Teams that are strategically located throughout the United States.
Have Storm or Flood Damage? Call Us Today (949)-566-8887 or contact us online here.
What To Expect With Roof Repair
Roof repair in a Downtown Costa Mesa, CA home
What To Expect With Roof Repair
When your Downtown Costa Mesa, CA, experiences a heavy storm you may find yourself in need of a roof repair service. Fortunately, a storm damage restoration service should have the equipment and knowledge needed to get the job done. Here are a few things you can expect to see during this process.
1. Damages Areas Should Be Covered Before Repairs
When you find areas of storm or wind damage on your roof it's important to keep these places covered until repairs can be made. Many professionals recommend using either a tarp, or ply-board. Your restoration service may have other materials to keep your roof safe, but keeping the damage covered until they can get there can help prevent further issues.
2. Repairs Should Be Made as Quickly as Possible
After you contact your restoration service you may find that they want to get the roof repair done as quickly as possible. This is because leaving repairs unfinished may lead to other potential issues. Having a professional restore your roofing can also help ensure that the job is done correctly the first time, and that any related damages can be taken care of as well. You may also want to contact your insurance as they may help pay for the process.
3. Related Areas Should Be Inspected as Well
If your home experiences roof damage then you can expect to see the professionals conducting your repair check over other areas as well. These are areas inside the home that may have been damaged such as in your attic, insulation, under any loose shingles, and outer walls where drainage may have been affected.
During your roof repair process you can expect to see that the damaged areas will be covered over until the necessary repairs can be made. The repairs themselves should be made as quickly as possible to help avoid further damage, and any areas related to the damage will be inspected as well. If you have any questions or restoration experts should be able to help.
Top 3 Questions About Commercial Fire Damage Restoration
Understanding key aspects of Commercial Fire Damage Restoration can help you make efficient decisions.
A fire is something most businesses in Costa Mesa, CA, hope to avoid. Conscientious managers and owners recognize, however, that proactive emergency preparations and a prompt response can minimize damage and significant financial losses. Understanding key aspects of the fire damage restoration process and what to look for in a professional cleanup team can help personnel make efficient decisions.
Three Questions About Commercial Fire Damage
1. What Does a Restoration Company Do?
Depending on its severity, a commercial fire can leave behind charred debris and extensive soot and smoke damage. To restore your facility, the restoration team should complete several key steps:
- A thorough damage assessment
- Board up damaged entry points
- Tarp compromised roof, if applicable
- Remove debris and soot buildup
- Perform a smoke cleanup to extract lingering odors
Assessing and repairing damaged equipment is another aspect of the process that often requires professional attention.
2. What Credentials Should the Company I Choose Have?
Because there may be many fire damage restoration companies in your area, choosing the best option may feel like a daunting challenge. Reading reviews can help you identify candidates who consistently complete quality work.
You should also ensure that any prospective company is licensed and insured. Insurance protects both property owners and workers from unintentional damage and injuries. Licensure is also important because it indicates that the recipient has met established criteria.
For added peace of mind, consider choosing a professional restoration expert who is IICRC certified. This distinction indicates completion of extensive training and a commitment to quality service.
3. What Else Should I Look For in a Reliable Organization?
A fire is an example of an unpredictable scenario that may occur at any time. Because of this, you should consider a company that offers 24-hour availability.
When a commercial fire strikes, a prompt and efficient response is essential. A professional fire damage restoration company can manage the cleanup process, aiding efforts to quickly resume normal business operations.
Knowing key criteria to look for in a response team can ensure you select the best possible option.
5 Steps of Water Mitigation
Commercial pipe break
5 Steps of Water Mitigation
When your commercial property in Westside, CA, floods due to a bursting pipe or broken supply line, it will probably not contaminate your building, but you still need professional remediation. Hiring certified experts to perform pipe burst cleanup can help you mitigate the problem swiftly and completely. Here are the steps you can expect the technicians to take.
When the professionals first arrive, they will assess the damage to your property and check for supply line leaking. During assessment, they can give you an estimate of how long the mitigation is likely to take and how much it may cost. If you are filing an insurance claim, this is useful information for your adjuster to have.
If there is standing water in the affected area, it must be removed before anything else can happen. Industrial pumps are used to extract water from your building.
3. Material Removal
Pipe burst cleanup involves taking out damaged items and waterlogged materials. Flooring, ceiling tiles, insulation and drywall that cannot be salvaged must be removed to avoid secondary damage.
Water from a pipe or supply line is usually clean, so unless it has been sitting a while or leaked through other materials, intense disinfection is probably not necessary. Anything that remains in your building, however, must be thoroughly dried before it can be rebuilt. Technicians may need to increase air flow to the area to keep humidity levels down and dry out the area.
Specialists don't just leave your building gutted. After everything is dry, they can rebuild the parts of the structure they removed, matching it to the surrounding space so They may also be able to restore some of the items, including furniture and equipment, that they took out before water cleanup began.
Pipe burst cleanup is usually a pretty straightforward process. As long as you catch it early and report it in a timely manner, your building should be back to normal in no time.