4 Sources of Fire Damage That Are Not Structural
Fire damage in Downtown Costa Mesa, CA.
Four Non-Structural Sources Of Fire Damage
When most people think of a commercial fire, they probably picture large areas of the building being burned down, including major structures such as the roof, walls and electrical systems. Other damages that demand attention also could be present. Smoke cleaning, for example, is often a necessity to rid the interior of unpleasant and lingering odors associated with a fire.
1. Soot Damage
In most cases, damage from soot can be seen on walls. This can even be the case in areas of the building that were not close to the fire. Other telltale signs might also be present:
- Dark discoloring on surfaces
- The appearance of grit on walls
- A pervasive smell emanating from objects
Technicians can also perform tests that measure the level of smoke damage. This is the best way to get a good sense of the damage throughout the building. At this point, the smoke cleaning process will focus on specific areas of the building.
2. Smoke Damage
This is likely to be present in most fires and it can even be smelled in areas that do not have much soot accumulation. Regular cleaning methods do not usually take care of a stubborn smell associated with a fire. Trained technicians use special methods to eradicate the smoke odor.
3. Water Damage
A trained and certified fire restoration company in Downtown Costa Mesa, CA, will also have to address water issues after a commercial fire. This is because fire fighting efforts use water and other liquid components to stop a fire from spreading.
4. Personal Items
A fire also damages many peripheral items, including personal clothes and other objects. The best methods for cleaning these items are used to make sure they are cleaned of soot and odors. In some cases, items are not salvageable and must be replaced
Professional smoke cleaning is often necessary after a commercial fire. Trained technicians are best equipped for this process.
3 Steps To Take in a Fire Damage Estimation Process
Having a plan in place in case your property suffers fire damage can help you feel more confident when discussing estimates with your insurance agent.
Three Steps In The Fire Damage Estimation Process.
When a fire damages your Costa Mesa, CA, commercial building, the aftermath can often be difficult to handle. There are often many different types of damage, and you may not know how to receive an estimate for each. Learning the steps to prepare yourself in the event of a business fire may help you feel more confident should such an event happen and streamline the process so you can get operations up and running again as soon as possible.
1. Document the Fire Damage
Taking photos of the damage caused by fire can help you provide your insurance company with specific evidence and get a claim filed faster. Remember to only enter areas that have been deemed safe by the fire department and take pictures from a variety of angles so your insurance adjuster can provide you with more accurate estimates.
2. Document Values and Expenses
When a commercial fire happens, you may deal with a variety of different expenses and will also need to place a dollar value on items that were damaged, such as machinery or lost inventory. Try to estimate these numbers as closely as you can and keep records of what you document. While your insurance company will likely run its own numbers, providing an agent with your own recordkeeping may hurry the claim process along.
3. Ask for a Restoration Estimate
Once you have an idea of the overall damage the fire caused, ask your insurance company about estimates for the cost of a commercial fire restoration company and what kinds of services you might require to repair your building. These may include roof replacement, water damage and smoke and soot removal, as ridding the building of these issues on your own is often not possible.
A fire at your Costa Mesa, CA, commercial business can have you feeling uncertain about where to turn in the aftermath. Having a plan in place in case your property experiences fire damage can help you feel more confident when speaking to your insurance agent and adjuster about receiving estimates.
How Renter's Insurance Covers Fire Damage
The landlord's property insurance policy protects the rental unit against fire damage, but it does not cover the renter's personal belongings.
How Fire Damage Is Covered By Renter's Insurance
Many renters think they don't need renters insurance because they don't own the property they live in. However, there are several ways that this insurance protects renters.
The landlord's property insurance policy covers fire damage to the rental unit, but it does not provide coverage for the personal property of the renter. Personal property refers to the various personal items owned by the renter and stored in the rental dwelling:
- Small appliances
Most types of personal property are covered by renter's insurance, but some may be excluded or come with specific limits. Most policies provide replacement value coverage, but some may be actual cash value policies.
Renters insurance also provides liability protection. This provides coverage for damages you are legally liable for to another person because of your negligent actions. For example, if you negligently started a fire in your rental unit and smoke from that fire caused damage to your neighbor's clothing, your insurance would pay for cleaning or replacing your neighbor's property, as long as you are found to be legally liable for the damages.
Medical Payments to Others
Unlike liability coverage, medical payments to others is a no-fault coverage. This means that you don't have to be legally liable for the injury to another person for their medical bills to be covered. If you have a guest over and that person suffers smoke inhalation due to a fire in your apartment, this coverage may apply whether or not your negligence caused the fire.
Loss of Use
If you have to move out of your apartment because of fire damage. Loss of use coverage may apply to expenses such as renting a hotel room during fire restoration.
Renters insurance provides multiple protections for renters who experience fire damage. An insurance professional in South Coast Metro, CA, can provide you with more information about this coverage.
3 Signs Your Shower or Bathtub May Be Leaking
Water damage may end up severe enough to require the services of a professional cleanup and restoration company like SERVPRO, to handle.
Three Signs That Your Shower Or Bathtub Is Leaking
A bathtub leak or a shower pan leak may result in permanent harm to your bathroom. Such a leak may go unnoticed for a significant period of time, leading to wood and sheetrock decay and extensive mold growth in out-of-sight areas. Water damage may end up severe enough to require the services of a professional cleanup and restoration company in Mesa Verde, CA, to handle. It is important to recognize potential indicators of such an issue so you can identify and correct it as soon as possible.
1. Peeling or Flaking Paint
When you have a shower or bathtub leak, the liquid can pool under the paint in your home. Over time, prolonged exposure to water can cause paint to crack, peel and fall off in flakes. Such symptoms may present themselves in numerous areas, including:
- The bathroom wall
- The roof
- The walls of other rooms
2. Mold or Mildew
Mold and mildew thrive in damp places. Dark, cool atmospheres with plenty of moisture serve as the perfect environment for these fungi to propagate. If you begin to notice a musty mildew smell or visible colonies, your bathing fixture may have sprung a leak, causing water to gather.
3. Water Stains
A major indicator that you might have a shower or bathtub problem is water stains spreading across the ceiling right beneath your bathroom or in the walls. Drywall often shows such signs in this kind of situation. If you have sheetrock, it may develop a saggy appearance, particularly if it is directly under the restroom.
If you have a bathtub leak or a shower pan leak, you need to find it and deal with it swiftly to mitigate possible negative consequences. You may have to employ an expert to tear out walls or ceilings to get to the issue. Fortunately, while insurance companies may not shell out for the replacement of a broken shower pan, they generally cover expenses for handling the damage caused by one.
3 Tips To Prevent Mold Growth on Your Commercial Property
If you have damage from mold growth, contact a professional mold remediation and restoration service to aid in cleaning and restoring your property.
3 Tips For Preventing Mold Growth On Commercial Property
Mold spores are microscopic organisms thriving in damp and dark conditions that provide them with adequate nutrients. Mold growth is the result of these spores attaching to materials that provide the nutrients they need to develop:
As a property owner, you can ensure that mold spores are not given favorable conditions to grow. Here are three tips to prevent fungus growth on commercial properties in Costa Mesa, CA.
1. Install a HEPA HVAC Filter
Mold spores can be found everywhere, including inside your commercial property. Due to the microscopic nature of these organisms, it is impossible to prevent them from entering a building. HEPA filters are known for their capacity to catch organisms as small as .03 microns. Installing a HEPA filter in your HVAC system improves the air quality in your building by reducing the number of mold spores in the atmosphere.
2. Establish Ventilation Systems in Areas With Frequent Water Use
Fungus thrives in areas where there is lots of moisture, such as kitchens, laundry rooms, and bathrooms. The nutrients, standing water and darkness in these areas provide mold spores an ideal home. Installing a ventilation system in these locations lowers the humidity levels, making conditions less optimal for mold growth.
3. Purchase Commercial Air Purifiers
Air purifiers with HEPA technology can lessen the chances for microbial growth and the spread of bacteria. In addition to a filter for your HVAC system, consider an air purifier with a HEPA filter to improve air quality and prevent the circulation of mold spores. These are beneficial, especially for immunocompromised individuals in need of better air quality.
If you have damage from mold growth, contact a professional mold remediation and restoration service to aid in cleaning and restoring your property. Taking preventative steps to keep mold spores from circulating throughout a building lessens the chances of mold colonies destroying the natural construction materials of a commercial property.
What To Do When a Basement Floods
SERVPRO has a team of licensed water damage restoration professionals who are ready to restore your home or business after any damage at any time.
When a Basement Floods, What Should You Do?
A basement flood can result in extensive water damage and pose secondary risks, such as mold growth. Here are several reasons why a basement may flood, steps homeowners should take, and insurance coverage guidelines.
A Broken Pipe
A pipe break can rapidly fill a basement with water, particularly if homeowners are not aware of the problem or are away from home. A homeowner should take the following steps:
- Shut off the main water supply
- Turn off power at the breaker box if possible
- Contact electric and gas companies if flooding is severe
Shutting off water may limit the amount of damage. These other measures can promote the safety of residents and restoration workers.
An Appliance Leak
An appliance such as a water heater or washing machine may leak. While the cause of this damage may not be a covered peril, insurance coverage should be available for the resulting basement flood. A homeowner can take several measures:
- Shut off the water supply to the appliance or the main supply
- Shut off electricity or gas to the appliance or the main supply
- Contact an appliance repair specialist or plumber
Limit damage by removing as much water as possible. A water damage cleanup company can be helpful if damage is severe.
Heavy Rain or Rising Water
Flooding from external sources can cause extensive damage and is excluded from most homeowners insurance policies. An additional flood policy is necessary to offset the costs of mitigating and restoring a basement flooded by heavy rain or a rising body of water. Rely on professionals to complete this cleanup job.
A Sewer Backup
Sewer backups are also not covered by standard homeowners policies. An additional sewer damage endorsement or rider can cover cleanup and restoration costs. Owners of homes that frequently experience backups may want to install a prevention valve.
These are four common scenarios that can cause a basement flood at a residence in Mesa Verde, CA Depending on the water source, homeowners insurance may or may not cover damage. Act quickly to mitigate primary damage and prevent secondary damage.
Reasons You Could Be Sued for Mold Growth
Mold infestations cause a lot of damage and can be very expensive to remediate. Call SERVPRO as quickly as possible when noticing signs of mold damage
Reasons You Might Be Sued Due to Mold Growth
if you are a building owner in Downtown Costa Mesa, CA, you could be sued for the detrimental impact of mold on your property. This is true if you lease buildings to an industrial client or to an office customer, but it is perhaps most commonly seen in regards to apartment complexes. People who use your building space or who rent rooms expect a clean and healthy environment in which to live or conduct business.
The presence of mold colonies makes a site unpleasant and could even impact air quality in the space. This could result in mold insurance claims that seek liability damages.
How To Avoid a Mold Claim
While the situation could seem fraught with difficulty, it is easy to overcomplicate things. You have a few basic responsibilities when it comes to maintaining your property for a client:
- Keep the building in good shape
- Respond to complaints in a timely manner
- Fix items that are broken
- Make sure your clients are safe
If you take care of these items, you will likely prevent lawsuits against your company. While mold is a challenging problem for any company, you have a number of opportunities to limit your exposure to mold insurance claims. Preventative measures such as cleaning up water leaks can stop mold growth from becoming a problem.
How To Handle Mold Remediation
If a client does complain about mold colonies in your building, you should call for the services of a professional mold mitigation company. Trained technicians will come to your property and work efficiently to contain and then remove mold. They will use advanced equipment and proven cleaning agents to make sure the mold is gone from all areas of your building. A professional cleaning job makes sure that mold will not return in the near future. This is the best way to reassure your customers that the mold is gone and to prevent any mold insurance claims.
Restoration Companies Service Both The Client and The Adjuster
SERVPRO is available 24 hours a day, 365 days a year to assist with any size water loss. Call us!
Service Provided By Restoration Companies Both The Client And The Adjuster Are Involved.
Is a restoration company working for the client or the insurance adjuster? It's tempting to think that the operation is designed to fight solely for one side. The business relationship, however, is symbiotic, supporting all of the involved parties. Here's what the establishment does and why they're right for everyone.
What Does a Restoration Company Do?
A restoration business is a one-stop-shop for water damage repairs. Designed to serve multiple needs, establishments such as SERVPRO house specialists in various fields, offering assistance throughout an entire project. By having everyone connected to one place, cleanup is streamlined for efficient project management. Organizations start the job and finish it, following through on all of the following demands:
- air and structural testing
- drying methods
- content cleaning
- mold contamination and cleanup
- building repairs
- vent cleaning
How Does This Connection Benefit Owners?
An insurance adjuster requires specific documentation before financial assistance is permitted. When owners use multiple companies to tend to different projects, this complicates matters and slows approval. Remediation crews step in and aid in this process. The specialists from the first moment begin to take photographs and assess the premises, noting conditions within an electronic system. This information is then sent overall as one, saving proprietors time and headache. Owners step back and have someone take over the hassle.
How Does the Service Assist Insurers?
An insurance claim should arrive in the appropriate language and with the necessary support. Armed with this awareness, staff create submissions in the correct format. This avoids rewrites, frustration and delays.
Also, certified professionals determine what is wrong on the property and how the trouble should be repaired. Following national standards, insurers may trust the team to complete the work accurately.
Of course, keeping costs down is vital. A water restoration company arrives immediately to secure and contain the premises. These actions and the effort to salvage what is possible reduce the overhead.
A claim doesn't have to be a battle between the insurance adjuster and owner. When a remediation company is hired, communication improves, and workload lessens, creating a desirable collaborative union for commercial owners and insurers.
Does Your Business Need Commercial Flood Insurance?
SERVPRO is your local water, flood, and fire damage restoration professional. Call SERVPRO today to learn more about how we can help!
Is Commercial Flood Insurance Necessary For Your Company?
Your businesses in Costa Mesa, CA, is not covered under a standard commercial insurance policy if it is affected by flooding. However, you can purchase special coverage for flooding in case your company ever does withstand any flood damage. Here’s some basic information on flood insurance and whether or not you will need to purchase it for your business.
Flood Insurance Coverage
If flooding in your area causes damage to your business, you will likely need to contact a water damage cleanup company to restore the damaged building and get you back in business. Without flood insurance, the cost to fix all the damages and replace any lost items will rest on your shoulders. By protecting your business with coverage in the case of a flood, the costs up to $500,000 will be taken care of in almost all situations including
• Heavy rain
• Overflowing rivers
• Snow melt
• Storm surge
• Broken dams
• Blocked storm drains
Your business will also be covered for any mold damage that occurs as a result of the flooding. Any property outside your company’s business will not be covered, and you will not be compensated for money loss due to time lost during the restoration process.
Insurance Requirements in High-Risk Areas
If you don’t live in a high-risk flood area, it will be up to you to determine the risk of flooding in your area. While areas close to flood zones would be smart to look into adding flooding to their insurance policy, businesses located in areas identified as high-risk flood areas with a mortgage from an insured or federally regulated lender are the only locations required by law to purchase an extra flood insurance policy.
Flood insurance is very useful for covering the costs of damage that occurs to your business as a result of a flood. Although it is only required for businesses in high-risk areas, you should evaluate whether your building could be at risk.
Do All Drain Cleaners Damage Pipes?
If a clog results in a backup and sewer damage, contact SERVPRO!
Is It True That All Drain Cleaners Harm Pipes?
Most chemicals intended for clearing a clogged drain are corrosive and toxic. Depending on pipe materials, drain cleaners may degrade plumbing in a residence in Mesa Verde, CA. Enzymatic drain treatments are less damaging, but also work more slowly. Learn more about how acidic, caustic, and oxidizing cleaners work to determine the most effective sewage cleaning method.
How Do Cleaners Work?
Cleaning products are most effective on slow or partially clogged drains. There are three types of drain cleaner chemicals:
- Acidic, such as hydrochloric or sulfuric acid
- Caustic, such as sodium hydroxide
- Oxidizing, such as sodium hypochlorite
Acidic solutions attract electrons, while caustic solutions give electrons to the clog. Both of these types of cleaners release heat. Sodium hypochlorite oxidizes the clog and releases electrons, heat, and gas. A fully clogged drain should be cleared mechanically.
What Are Enzymatic Treatments?
Enzymes restore the bacterial balance of a drain line, which can prevent clogs. These treatments should be used before a drain slows or clogs. Flush mainline enzymes down a toilet twice a month to start and then once every three months. Clear sink or shower drains by pouring enzymes down the drain once a week for a month and then once a month.
Which Treatments Are the Most Effective?
Chemical drain cleaning solutions work quickly to speed up a slow drain or clear a partial blockage, but these products may also damage pipes. These substances are also highly toxic to humans, domestic animals, and the environment. When used as directed, enzymatic treatments are safer and can keep clogs from forming.
In the case of a completely clogged drain, it is better to call a plumber than use treatments that may fail to break up a blockage or sit in pipes and cause damage. If a clog results in a backup and sewer damage, contact a sewage cleaning company in Mesa Verde, CA