Little Known Facts About Disaster Insurance Adjusters
A smile may be worth a few extra dollars. You just never know.
After a disaster, your insurance company may request you meet with a home adjuster as part of your insurance claim. Although this is a common practice, realizing the adjuster has the power to deny your claim can bring about its own type of stress. Here are a few things you probably did not know about insurance adjusters in Bowling Green, KY.
1. You have the right to hire an independent or public adjuster. Working as an intermediary, the consultant can give independent opinions, help you reach a settlement, and deal with the insurance company’s adjuster.
2. You have the right to disagree with the adjuster’s settlement suggestion. This is especially true if your claim is denied. Check your insurance policy for steps to take in disputing the claim.
3. The home adjuster works for the insurance company – not you. The adjuster will work to save his or her company as much money as possible.
4. You have the right to ask the adjuster questions. You may want to ask questions about how long the process will take or which water damage specialist to work with.
5. The adjuster has the right to ask you questions. To prepare for his or her visit and save time, gather as much documentation as you can about the circumstances of the loss.
6. The adjuster will almost always ask for records about even the smallest lost or damaged items. In the past, dishonest people have tried to inflate their insurance claims by faking lost or damaged personal possessions. For that reason, verification may be necessary. Be prepared to justify each and every claim.
Depending on the type of policy you have, the home adjuster may visit your house several times during the claim process to review the damage and restoration. Being courteous during each visit can go a long way with a weary adjuster that has listened to complaints all day. A smile may be worth a few extra dollars. You just never know.
For more information, visit http://www.SERVPROwarrencounty.com/.
Commercial Fire Sprinkler Floods: 3 Ways To Protect Your Business
Flooding from a broken fire sprinkler system can be unexpected for you as a business owner.
There are many different sources of flooding that can affect your Bowling Green, KY, commercial building. Some causes are common; however, even those that happen less often can be just as damaging. For example, you may not anticipate malfunctioning ceiling sprinklers to cause a flood, but being prepared can help you protect your business in case the worst should happen. As you create a plan of action, there are a few strategies to consider that may reduce flood damage and allow your business to recover faster.
1. Know Where the Water Shutoff Valve Is
Trying to find your building’s water shutoff valve while the fire sprinklers are spraying water everywhere might prolong flooding and make matters worse. Locate your building’s main water valve ahead of time and map the fastest way to get to it. Give your managers a copy of the map so they can turn off the water if you are not there. The quicker you can cut off the water supply, the less serious the damage may be.
2. Have a Flood Damage Service On Call
Being able to call for help when your building suffers water damage can give you peace of mind, even during the worst of floods. Having a flood damage and restoration company on call that can perform mitigation services may reduce widespread problems that stem from a sprinkler malfunction. Experienced technicians can drain water from vulnerable areas and prevent water from spreading to adjacent rooms.
3. Be Aware of Your Insurance Coverage
If you have business interruption insurance, take the time to fully understand what your policy covers so there are no unpleasant financial surprises after a fire sprinkler flood. Have your agent’s number posted in several different locations and call him or her right away after an incident so the claim can be filed as soon as possible.
Flooding from a broken fire sprinkler system can be unexpected for you as a Bowling Green, KY, business owner. Being prepared for this or any type of water damage may help reduce the cost of mitigation and repair services so you can recover quickly. For more information, visit http://www.SERVPROwarrencounty.com/.
What Happens to Your Office After Storm Damage?
Water removal, drying, tear out and restoration are critical components of cleaning up after a flood.
Flooding is one of the most damaging environmental disasters that can occur in your office building. If you’re not properly prepared, you can face significant damage and financial consequences. It’s also important that you have the assistance of an expert to tear out affected areas and thoroughly clean up the water and other damage. The Professionals will follow effective steps to ensure you can get back to regular business soon.
Inspect the damage
The storm restoration team will begin its work by taking a look at the extent of the issues in your building. The team will assess how much water got into your facility and whether there was any black water involved. Once the restoration professionals see the effects of the water damage, they can formulate a plan of how they’ll get your building back to a state where you can resume operations.
Get Rid of Water
The first cleanup effort will be removing water from the flood. The experts will use a proven process to do this.
• Use industrial strength water extractors.
• Dry the affected area once water is removed.
• Sanitize the area to discourage the growth of mold and other harmful materials and substances.
Once the water is gone, the restoration team will remove any severely damaged carpet, flooring or drywall. This tear out process can be extensive depending on how large the flood was and how long the water sat in the area.
In major flooding incidents, the team will perform restoration. This process can take several weeks and may involve rebuilding portions of your office space. Be prepared to make some adjustments to your operations because your facility in Bowling Green, KY, may not be in regular working order for a long period of time.
Water removal, drying, tear out and restoration are critical components of cleaning up after a flood. Make sure you call a reliable company to handle this effort. For more information, visit http://www.SERVPROwarrencounty.com/.
Flooding in Bethany Church
It was a Friday afternoon just before our office was about to close when we got a call from a frazzled customer about a pipe bursting in the ceiling of the second floor of their church.
Within the hour our first responders arrived on scene with the needed equipment to begin the clean up process. While several of our trained professionals were busy extracting water from the floor and removing damaged contents, our other professionals were coming up with a scope of services for our customer and reassuring them that we were there to help them.
Our main priority was to get their property prepared for the next Church service. Our crew worked very dilligently and at the end of the day we had a very satisfied customer!
SERVPRO of Warren County is ready whenever there is flooding due to a broken pipe. Our technicians are trained and on call 24/7.
Supporting the Red Cross
Red Cross Fun Run in Warren County
The Red Cross is a wonderful organization that helps to give back to the community in times of crisis.
The local Red Cross chapter here in Warren County works relentlessly to raise awareness and collect funds to be able to help in a person's time of need. We at SERVPRO of Warren County want to do everything that we can to show our support to them. They recently held a 5k Fun Run/Walk in the community to raise some extra money in order to be able to continue to give back. Our Sales Marketing Manager, Nikki Duff and our Sales Marketing Rep, Jordan Strange, attended this event to show our support! We pride ourselves on being there for our community in any way possible.
Great deal of water...
Our crews were called on a Sunday afternoon to a local factory here in Bowling Green. One of their employees hit a pipe with a fork lift and busted it. The water ran for at least 2 hours before they could get it shut off. There were several offices affected as well as their entire warehouse. Our teams arrived within the hour of the phone call and got to work. It was a priority to get the offices back in working order so that their employees would have workspace the next day. Within 6 hours we had the water in all of the offices extracted and drying equipment was set. For the warehouse, it took several days to extract the water as we had crew members squeegeeing water as others sucked it up. We pride our crews for their ability to work well together and get the job done.
Pipes in the ceiling
Water damage from ceiling
In several homes and businesses there are pipes that run through the ceiling and when one of them bursts, it can cause a lot of damage. Fortunately, at this commercial property, they caught the leak in a timely manner and called us immediately. It is well known that the sooner we can get to your water damage, the less damage will occur. Once our crews arrived, they came in to extract the water that had gotten to the floors, removed the damaged ceiling tiles, some wet insulation. Once all of these materials were removed it allowed us to set drying equipment shortly. Our crews continued to check it daily until the drying numbers reached IICRC standards. It typically takes 3-5 business days to dry a structure properly.
We arrived onsite within an hour of the call of a commercial fire damage.
IF A GREASE FIRE STARTS:
- Cover the flames with a metal lid or cookie sheet. Leave the cover on until it has cooled.
- Turn off the heat source.
- If it’s small and manageable, pour baking soda or salt on it to smother the fire.
- As a last resort, spray the fire with a Class B dry chemical fire extinguisher.
- Do not try to extinguish the fire with water.
- Do not attempt to move the pot or pan outside.
Do not use flour, baking powder or other cooking powders that resemble baking soda or salt – they have a different chemical makeup and will not react similarly. They will make the fire worse.
There are many times that it may not be necessary to remove your carpet. Sometimes we will lift your carpet and place drying equipment beneath it. This is what we call "drying in place" or "floating carpet." If at all possible, we will try to save your carpet to save you money on the repair side.
Here are 5 steps to prevent carpet mold.
1. Remove water as quickly as possible.
2. Use fans to begin the drying process.
3. Use a dehumidifier to dry out the room.
4. Once it is dry, clean your carpets.
5. Sanitize your walls and baseboards.
The sooner you start cleaning up after water damage, the sooner you can stop mold from growing under your carpet. Call us today at SERVPRO of Warren County to help with your water damage needs.
Keep Trees Trimmed in Tornado Prone Areas
Home destroyed by tornado in Plano, Kentucky.
Tree Branches Become Debris in a Tornado
We love to have our tall leafy trees in our yards to keep our house cool during the Summer heat. The shade they provide is wonderful when the sun is high in the sky.
These same trees we love can also be very harmful during a storm or tornado if they are not trimmed regularly. Strengthening the trees around your property can help keep their limbs from being torn off and becoming debris in a storm. Here is what to look for when trimming threes around your home:
- Limbs with wounds
- Decaying branches
- Structural defects
- Limbs rubbing against each other
- Exposed roots
If your trees are trimmed properly before the stormy season they will be less likely to become debris. Many homes are destroyed by tornadoes in Warren County, KY. Learn more about the ways SERVPRO of Warren County can help during stormy weather.