Five things not covered by Homeowners insurance
Do you know what is covered under your homeowners policy?
Many homeowners in North Carolina assume that their homeowners insurance covers them from any and all damages. This false sense of security can lead them into situations where their coverage is insufficient or nonexistent. I have listed five areas where many homeowners assume they are covered but are not. Have a conversation with you agent to address any areas where you may be overexposed.
Mold: Your standard homeowner’s policy in the state of North Carolina only covers mold up to $5000.00 in damages. Some states have different policy limits for mold or exclude coverage all together. The best way to prevent mold is to be proactive in stopping any water intrusion. If you have a leak, get it dried out professionally as soon as possible. Call SERVPRO of Davie and Yadkin Counties for help with your water issues at 336 677 1415.
Sewer Backup: Sewer backups are not covered by your standard homeowner’s policy. Make sure you have a sewage backup endorsement of a sufficient amount to cover any potential losses. $5000.00 in sewage backup coverage will be gone in a hurry if your entire finished basement is flooded with two inches of sewage.
Earthquake: You standard homeowner’s policy will not cover damage from earth movement. Surprisingly, the East coast of the United States has a number of active fault lines. Make sure you understand your risk from an earthquake and have a conversation with your agent about appropriate coverage.
Flood: Water on the ground from rain or a storm/hurricane event coming into your home is not covered. Flood insurance can be purchased separately through FEMA and the National Flood Insurance Program .
Damage from Construction Work: If you are remodeling your home, a standard homeowner’s policy won’t cover any damage done to your home by a contractor. When you hire a contractor, make sure they carry sufficient liability insurance.
Commercial water damage in Yadkinville
This water damage was due to a broken riser supplying the fire suppression system.
When a 25,000 square office building for a local textile company in Yadkinville experienced a broken eight inch water riser they understood that prompt reaction was important to minimize their business interruption. They called SERVPRO of Davie and Yadkin Counties for help with the water removal and dry out. SERVPRO crews were onsite in less than one hour to begin the extraction of what was estimated to be 150,000 gallons of water from the broken riser. Because of the source of the water, it was considered category two contamination. Category two contamination requires the use of antimicrobials and cleaning to ensure that the affected areas is cleaned to IICRC standards. A SERVPRO large loss team was dispatched at the request of the franchise to assist with the size and scope of the loss, ensuring that the business interruption was minimized. Equipment including 38 dehumidifiers and 200 airmovers were used to quickly bring the moisture levels down in the building and return it to a dry condition. When complete, the dry out took seven days and was completed with zero interruption to their business. To ensure that your commercial business is able to minimize interruption from a fire or water damage make sure to contact SERVPRO of Davie and Yadkin Counties as soon as the damage happens.
To clean or not to clean?
Potential contaminants present in a plumbing back flow need to be sanitized professionally
When the toilet backs up and floods your office do you have the maintenance man come and clean it up? Many times this is the first choice of a unit or business manager. If they stopped and considered the potential for contamination and illness they may consider having it professionally cleaned and sanitized. Any plumbing back up that originates beyond the P trap is considered to be category three water. Category three water is considered "grossly contaminated and can cause significant adverse reactions to humans if contacted". If this category three water flows into the carpet and under the walls how do you remove the contamination and sanitize your work space? In this case, your maintenance guy with a shop vacuum and a fan is not going to do the trick and in fact may make the problem worse. SERVPRO of Davie and Yadkin Counties has the training and equipment to sanitize your sewage contamination so that the health and safety of your employees are not jeopardized. Specialized procedures are used to contain the contaminated area and prevent the spread of the contaminants to other areas. A combination of cleaning and antimicrobial application as well as the removal of porous materials will ensure that your employees are protected from any potential contact with the contaminants. Call us to today 336 677 1415 if you have any questions or concerns about your water damage.
Take the steps to protect you home and outbuildings from the hazards associated with spontaneous combustion.
Do you know what spontaneous combustion is? Spontaneous combustion is an exothermic reaction whereby a fuel source (oily rags, wet hay) undergoes self heating, resulting in a rapidly accelerated temperature increase and ignition. Many a poor farmer has lost his barn after not allowing his hay to adequately dry before storing it in the barn. Likewise, many a do it yourselfer has piled his oily rags in a corner in the garage. If he is lucky he discovers them smoking and puts them out. If he is not lucky he burns down his garage and possibly his home. When storing oily rags do so in a fireproof airtight container. If that is not possible place them in a bucket of water with a surfactant to break down the oily contaminants. Do not pile up oily rags or steel wool that have been used to distribute solvent based material. Farmers, make sure your hay has been adequately teddered and air dried prior to bailing to protect yourself from the hazards of spontaneous combustion. Take these steps to protect your homes and out buildings from fire hazards. Call SERVPRO of Davie and Yadkin Counties at 336 677 1415 if you have suffered the effects of fire damage to begin you mitigation and restoration immediately.
Water Damage and Your HVAC System
This homeowner's condensate pump overflowed and damaged the ceiling in the master bath.
In the North Carolina area, we are approaching season changes from summer to fall, then winter. Our present use of an HVAC system is to keep us cool until we switch over to our heating environment. With the constant use of our heating and air conditioning systems, they should be monitored for any potential damage that can lead to significant problems. For instance, a clogged condensate drain pipe can make an HVAC system drain pan overflow. The drain pipe is one of the most frequent causes of water removal repairs in our area. Drain pipe fittings can become disconnected from the unit and allow the condensate to drain through the ceiling to the floor. A malfunctioning or dirty pump can also cause extensive water leakage. When the drain pipe becomes clogged, the water will quickly back up the line and then into the drain pan. The water fills up the pan until it overflows. A malfunctioning condensate pump can cause water leakage from heating, ventilation, and air conditioning system, flooding the basement or attic. Due to the continuous presence of water, mold can grow inside the unit, causing it to become clogged. Additional damages caused by heating and air conditioning units, involves wet soggy carpets, ceiling collapse or drywall damage. Other issues that can create water damage from an HVAC system includes low refrigerant, no-trap and air vent in the drain line and condensate buildup in a ductwork system that is not properly insulated. If you want to make sure that your system is operating well and is not about to flood your home, give SERVPRO a call to prevent any risk of water damage issues. When properly maintained, your HVAC system provides a comfortable indoor environment year-round. But, if your HVAC system does present problems, call the experts - SERVPRO of Davie and Yadkin Counties. We are close neighbors because we are locally owned and operated. Our professional technicians are available 24 hours a day, 7 days a week. Call us today at (336)677 1415.
This warehouse in Mocksville NC was flooded by a broken water supply line. All documents were restored and preserved.
Whether it affects your home or business, Water damage can leave a soggy mess behind. Paper files, documents, books, photographs and artworks on paper can be ruined if quick, proper action is not taken. SERVPRO of Davie and Yadkin Counties can respond within hours of your call to begin the process of saving and restoring all of your irreplaceable papers.
We have five processes that we can use to restore water-damaged paper materials:
• Air Drying - This is simply laying the items out to dry in the air, often with the addition of a fan to keep the air circulating. This can be effective if you only have a few items, but it is too slow and takes too much space to be the top choice for most jobs.
• Dehumidification - Dehumidification is the process of placing the water damaged wet items in a container and lowering the humidity of the air in the container. The dry air pulls the water out of the documents. Sometimes this is done in association with freezing; freezing wet items stops the growth of any mold or mildew until the drying can take place.
• Freezer Drying - this process of freezing wet documents is effective, but it may leave the papers distorted and cupped.
• Vacuum Freeze Drying - This is freeze drying in a vacuum chamber. The vacuum allows the frozen water to be pulled from the papers as vapor. This method often results in the least possible distortion of paper, but it may not be the best for photographs or leather bound books.
• Vacuum Thermal Drying - This is similar to vacuum freeze-drying, except it takes place at temperatures above 32 degrees. The papers will be wet during the drying process, and they may lose flexibility.
While no restoration process can promise to return your documents and papers to their original condition, knowing which method is best for books, photographs, watercolor paintings and printed documents will go a long way toward preserving the usefulness of the items. Water damage, as you can see, takes on many forms.
When you discover that papers, books and photographs have been affected by Water Damage, remember these tips to avoid causing further harm:
• Glossy paper should be your first priority. It is especially likely to stick together, and the sheets or pages should be separated if possible while you wait for professional advice.
• Avoid touching the surface of wet photographs.
• Do not wipe mud or sludge off of wet paper as this could smear the print. After the documents have been dried, the material can be easily brushed off.
Seeing your business records or family photographs soggy and grimy after a flood event can be devastating, but you may be surprised by what can be saved with quick intervention. Our certified IICRC technicians' equipment, experience, and training can restore your water-logged possessions. Give SERVPRO of Davie and Yadkin Counties a call at 336 677 1415; our fast response and expert methods will maximize the chances that your records, books, and photos will be preserved.
Whether you are in Bermuda Run, Advance, Mocksville, Yadkinville, East Bend, Jonesville, Wilkesboro or North Wilkesboro, SERVPRO of Davie and Yadkin Counties can ensure your documents and business are restored to a pre-loss condition. Our faster response time and equipment inventory will ensure that your business interruption is kept to a minimum. Call us today for any Fire Damage, Water Damage or Mold Damage issues.
Different Types of Storm Damage
This house in Winston Salem NC, had a tree fall during a storm on the fourth of July. Resulting in rain water entering the home.
There are several types of storm damage including wind, flooding, or even fire. Flooding can cause extensive amounts of damage to your home, and lightning can create fires while high winds can cause many issues to the structure of your home.
The damage which results from extremely high winds is quite easy to see most of the time. Nowadays, roof shingles are designed better than their predecessors regarding their resistance to wind and the ever-increasing knowledge and standards. There is many times little can be done to prevent damage by wind in conditions that are very extreme. Roofs that are wind-damaged usually appear to be affected only in certain spots. The edges or perimeter of the roof are affected by high winds easily, since the edge of a roof is quite prone to lifting.
Round dings in metal are clear signs of hail damage. Determining whether your roof has suffered damage from a hail storm, however, could be a bit more challenging. After hail hits the roof, it knocks off the protective granules where the hail has hit, and these areas of damage are the sources of leaks in the roof in the future if it is not fixed within a few years’ time.
Snow causes most of its damage from the weight of it, which immensely increases when ice, rain and sleet are added to it. On an average-sized roof, two feet of snow can weigh the equivalent of thirty-eight thousand pounds or nineteen tons. The obvious sign many times that a roof is about to fail is if it is sagging.
The functionality of a lot of gutter and roof systems are affected by the temperatures that fluctuate, making the snow melt then refreeze on the edge of the roof. This makes a dam which the water cannot pass through, meaning that as more snow melts off the roof and trickles down, it gets blocked by an ice dam and makes a puddle. Since roofs were not made to handle standing water, especially as the water line and growing puddle move up the roof, the water can seep through small openings in the roof into your home or attic.
Rain and Flood Damage
Water running out of a typical water drainage basin due to overflowing from a storm can wreak havoc on your property. Streams, creeks, rivers or lakes which overflow, flash floods, a storm surge or a tsunami are all examples of flood damage that are possible.
Flooding can cause damage to your property including your foundation and drywall damage. Most of the time the drywall will need to be removed and replaced. The flooding can also cause mold to grow on the property due to standing or hidden water, such as inside the walls. This should be taken care of as soon as possible, usually by a professional storm damage restoration company as mold can cause a serious health risk to you and your family.
Call an Expert
At the first sign of damage contact SERVPRO of Davie and Yadkin Counties, 336 677 1415. They use specialized equipment and technology to tackle any storm damage to your property. They will be able to restore your property back to normal.
Why You Need Professional Soot Damage Restoration Services
This home in Advance NC was the victim of a lightning strike that burned through the homes natural gas line.
Why You Need Professional Soot Damage Restoration Services
One of the most difficult household issues a homeowner must grapple with following a fire is soot damage. Unfortunately, house fires create large amounts of soot, and this smoke component can destroy your property in numerous ways. For this reason, it is crucial for you to attain high quality, effective restoration services once you realize soot is present on your property. Learn more about the efficacy of restoration services by reviewing this short outline:
The Importance Of Getting Professional Assistance
There are various reasons why it is beneficial to obtain professional assistance when you realize there is soot on your property. For example, hiring a team of trained restoration contractors enables the specialists to address numerous issues at the same time. When the team can address and resolve water, fire, and smoke damage simultaneously, the restoration process is expedited so that you can resume abiding in your private living space much sooner.
Another reason that finding a restoration team is vital results from the fact that fires typically leave excess standing water on your property. This water damage happens from the extinguishing work of the fire department. If you do not have a team of professionals remove the excess water immediately, you create the ideal conditions for mold to flourish in. Once this happens, you and your loved ones could be subjected to numerous unwanted health issues. Some of them include asthma attacks, vision problems, lung complications, and respiratory issues.
Avoiding DIY Projects
In many cases, residential property owners will note the presence of soot in their home and attempt to clear it away on their own. This is never a prudent course of action. In fact, there are numerous health hazards presented by both fires and the soot they leave behind. As a result of this reality, your attempt to remove soot from your property can lead to the onset of illness or injury.
Call SERVPRO of Davie and Yadkin Counties For Excellent, Expedient Soot Damage Restoration
When soot damage has impacted your home, there's no time to waste. You need to attain fast, efficient restoration services. The company to call when you want the job done quickly and correctly is SERVPRO. Our IICRC-certified experts possess extensive experience in the damage restoration industry, and we're pleased to offer 24/7 emergency services for your convenience. We're ready to assist you right now, so contact us today!
SERVPRO of Davie and Yadkin Counties 336 677 1415
Serving the communities of: Mocksville, Bermuda Run, Advance, Cooleemee, Yadkinville, East Bend, Jonesville, Wilkesboro, North Wilkesboro, Roaring Gap, Sparta, Jefferson, West Jefferson
Water Damage Remediation Mistakes: What You Need To Know
Water will seek out the path of least resistance, this home in Lewisville NC had water in the ceiling and walls from an overhead leak.
Water damage is one of the most difficult household issues that a residential property owner may have to handle. Unfortunately, the restoration process can complicate the difficulties produced by water damage if it is not completed quickly and correctly. Nevertheless, learning more about the potential problems that can result from ineffective water damage restoration work can empower homeowners to make smart decisions that whip their homes back into great shape:
What Can Go Wrong?
There are three primary problems that can complicate or limit the efficacy of water damage remediation services. Some of them include:
1. Failing To Locate All Of The Moisture.
One of the problems that can transpire during the water damage remediation process is a failure to locate all of the existing moisture. As remediation experts know, water is capable of traveling throughout the entire home, and it is not always easy to find all of it. In the event that you attempt to finish the water damage cleanup process by yourself, you can count on overlooking, at least, a few areas where the water has begun to reside. Moreover, hiring a remediation contractor who does not complete the initial moisture assessment accurately will preclude him or her from exacting the drying efforts correctly.
2. Not Drying To Completion.
Another issue that can surface during the water damage remediation process is a failure to dry the property completely. You will be able to tell that the property has not been thoroughly dried when you note that your drywall begins to stain, warp, or bubble. If your property is not dried completely following water damage, you make your living space susceptible to water damage.
3. Improper Drying.
One final issue you may encounter during the water damage remediation process is improper drying. This scenario can surface when the evaporated moisture is not collected and disposed of through proper use of dehumidifiers. Improper drying typically results when a homeowner attempts to complete the process with fans. Although the water will evaporate in the air, it will then travel to another area of the property and get that region wet.
Call SERVPRO Immediately
As made clear by the information noted above, several issues can surface during the water damage remediation process. The key to ensuring that the process is completed correctly is hiring a team of trained, professional water damage restoration experts. The company to call is SERVPRO. All of our IICRC-certified professionals will provide you with the precise, detail-oriented services that remove all water and restore your property to its original condition. We're ready to assist you immediately, so call us today at 336-677-1415.
Restoring indoor airquality in Advance, NC
2100 CFM air scrubber with HEPA filtration
When you are mitigating an expansive mold problem the correct equipment is imperative to restoring indoor air quality. Hepa filtration removes mold spores and particulates down to .3 microns. A Low Grain Refrigerant Dehumidifier will ensure that the indoor relative humidity remains below 60% and will remove "bound water" from the saturated building materials. Make sure you mold contractor has the correct equipment and knowledge to return your home to a normal fungal ecology. The technician's at SERVPRO of Davie and Yadkin Counties are IICRC certified in drying indoor environments and mold remediation to ensure your home is safe and free of elevated levels of harmful mold spores. Physical removal of the mold growth and spores is the key to effective mold remediaiton and the restoration of your home to a normal fungal ecology. Call SERVPRO of Davie and Yadkin Counties to ensure that your mold job is handeled correctly.