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Fire Protection: What Renters Can Expect From Their Coverage

2/4/2020 (Permalink)

Hands holding a clipboard with insurance paperwork / Text on image that says ARE YOU COVERED? Ask your insurance agent if you are covered

Fire Protection: What Renters Can Expect From Their Coverage

What Renters Can Expect From Their Coverage

Many tenants buy renter’s insurance to cover the cost of replacing their personal belongings if they are damaged or destroyed by an accident in the building where they live. Your coverage, however, may pay for much more than just item replacement. It’s important to talk to your agent, so you know just how much you can expect your insurance company to pay if the place you are renting in Oxford, OH , catches fire.

Belongings

Part of the fire restoration process is determining which items can be cleaned and saved and which must be thrown away. Your insurance coverage should pay for:

  •  Assessment
  •  Cleaning costs
  •  Replacement costs

Make sure your policy states that it pays replacement cost rather than the actual cash value of your items. The purpose of insurance is to make you whole again, and replacing lost belongings is a good start.

Liability

If the fire was caused by your negligence, you might be liable for any damages you cause to other people or to the structure itself. Your renter’s insurance probably has a clause that protects you from legal costs. Your policy may cover damage to your neighbor’s belongings or the property itself, as well as cover medical bills of anyone injured in the fire if you bear some responsibility for its starting.

Shelter

Fire restoration experts may work quickly, but there are probably going to be some nights that you are unable to stay in your rented space. Finding a temporary place to live can be expensive. Your insurance policy is likely to cover this as well. You can include your shelter needs as part of the fallout of the fire damage to your home when you file your claim.

Your renter’s insurance does cover the loss of your belongings, but it can also cover other losses. Your insurance agent can help you build a solid policy that takes all potential expenses of the fire into consideration.

How to Reduce Business Interruption Costs Following a Disaster

1/30/2020 (Permalink)

Air movers placed in an office. Concept of water restoration Water damage in Reilly, OH

Whatever type of work you do, it's important to maintain a productive, efficient workplace. Keeping up with customer demand and providing the rights goods and services will help you stay ahead of the competition in Reilly, OH. A workplace emergency such as a fire, widespread mold growth or flooding can put your business at risk of shutting down for a time. You can't afford this, but there are ways to minimize the interruptions to your operations.

The Consequences of Workplace Disasters

Minor accidents can happen from time to time and not affect how your business functions. Something more serious such as flooding, however, can make it challenging to continue day-to-day work. Water problems or other worrisome issues can have the following effects:

  • Damage equipment such as computers, servers and printers
  • Ruin important documents
  • Make the building unsuitable or unsafe for work
  • Damage or destroy the structural integrity of the building

Act Quickly

The most important step to take after something such as large water damage in the office is to start the cleanup and restoration process immediately. As soon as you notice problems in your building, call your commercial property insurance agent and file a claim. Provide as many details as you can about the incident and the damage it has caused. You should then find an experienced disaster recovery company so these professionals can start getting your office back to working order.

How the Pros Will Reduce Your Business Interruption

The cleanup technicians may not be able to salvage everything in your office, but they can minimize the damage. This will translate into lower costs for you and a faster return to work. Whether water came into the facility from a broken pipe or sewer backup, crews will remove it, dry and sanitize the area, and replace or rebuild all materials.
Flooding can lead to devastating damage to your office. Fortunately, the more quickly you can get professional teams to your building, the less time you'll have to be in shutdown mode.

A Big Name for Certifications in the Restoration Business

1/21/2020 (Permalink)

Company inspection for business concept in modern line modern style SERVPRO is certified with the IICRC for water, fire, and mold damage

In just about every endeavor, someone needs to take a lead role, otherwise chaos can be the result. That's true for a disaster remediation team responding to flooding or a fire, and that's true for establishing cleanup standards in the restoration industry. The Institute of Inspection Cleaning and Restoration Certification sets the standards for the cleaning, inspection and restoration industries. The IICRC sets these standards to deliver the highest quality in cleanup efforts in Lemon Township, OH, and throughout the nation. SERVPRO franchises honor these standards and work closely with all groups looking to strengthen restoration efforts.

The Role of the IICRC

This non-profit organization is a certification source for the restoration industry. It was founded in 1972 and has since evolved into an organization with a global reach which has trained thousands of technicians. Its core mission is to advance standards and certifications in the restoration fields. Its values include the following:

  • Respect for every person they encounter
  • Responsibility for meeting obligations in a timely manner
  • Integrity for standards of conduct
  • Excellence in leadership and service

A mitigation certificate awarded by the organization is a respected badge for technicians in the field. It means they have reached a degree of knowledge and expertise in their area of work. SERVPRO franchises work closely with the organization and are considered partners in many efforts.

The Role of Training and Education

Training and education are key aspects of competence. Any new SERVPRO franchise receives extensive training in the areas of fire restoration, water restoration, carpeting and upholstery cleaning and mold remediation. Continual training is provided through e-training that includes modules, videos and testing. SERVPRO is also an approved IICRC training school for many areas of restoration as well as advanced concepts such as applied structural drying. They also provide courses that teach the emergency mitigation field. These courses can be taken by property managers, insurance agents and adjusters, real estate professionals and other interested parties.

Tips for Preventing Mold in Your Commercial Property

1/6/2020 (Permalink)

Picture of commercial bathroom with the words BATHROOM VENTS in the middle A clogged vent will not rid your bathroom of moisture and you run the risk of having a mold problem.

Tips on Keeping Your Property as Dry as Possible

Mold damage can be a big problem for your business. If left unchecked, this fungus may force you to spend your business' hard-earned capital on black mold cleanup.
It is impossible to completely eliminate mold from your property. However, there are steps you can take to limit the buildup of this fungus.
Mold thrives in wet areas. Limiting water damage is thus the easiest way to curb mold growth. Below are some tips for keeping your property as dry as possible.

Know the Climate

Certain areas of the country are wetter than others. What works to curb moisture in the dry southern states may not be as successful in the wetter northeast. You should thus research and implement specific strategies for preventing water buildup in Layhigh, OH.

Address Spills Right Away

If your building suffers a flood due to a storm or a leaky pipe, don’t wait to take action. Remove any wet items right away and call water damage specialists who can quickly dry your belongings.

Reduce the Humidity

Humidity is another common source of moisture in a commercial building. You can check the humidity level of your property using a meter from a hardware store. Ideally, you should keep the humidity between 30 and 60 percent. You should also regularly survey the pipes, windows, and walls for condensation, as this is often a sign of excess humidity.

Ventilate

Wetter areas of the building, such as the bathroom and kitchen, must be ventilated properly. You can do this by installing a dehumidifier or air conditioner. Be sure to check and clean these appliances regularly to make sure they don’t produce any additional moisture. Otherwise, you may have to call in mold cleanup professionals.
Mold prevention is all about moisture control. By limiting the wet spots on your property and cleaning up any water damage immediately, you can limit your need for mold remediation services.

3 Tips for Keeping Your Business Safe During a Thunderstorm

1/4/2020 (Permalink)

Fallen tree branch on road. Image with green word saying "THUNDERSTORMS" Safeguard your Trenton, OH organization from negative effects of a storm

3 Tips for Keeping Your Business Safe During a Thunderstorm

Whether a steady rain storm or a full-fledged thunderstorm, severe weather is common in many parts of the world. If you own a business in an area that is susceptible to high winds and other storm damage, you may wish to have a strategy for keeping your business safe. Here are three fool-proof ways to protect your Trenton, OH, business from storm damage.

1. Take Some Pre-Storm Steps

When rain falls, winds blow and lightning strikes, it may be too late to effectively safeguard your organization form the negative effects of a storm. Instead, take some pre-storm steps to properly protect your business. Consider doing the following before storm clouds roll in:

  • Trim tree limbs than hang over your building
  • Ensure lightning rods are in place and functional
  • Clear debris from sidewalks and emergency exits
  • Secure damaged windows, doors and other vulnerable parts of your building

2. Keep Employees and Customers Safe

While most of protecting your business from a storm involves pre-storm planning, ensure employees and customers are safe during severe weather. Remember, even a common rain storm can include intense winds, hail and lightning. As such, when severe weather occurs, ask anyone inside your business to do the following:

  • Move away from windows, doors and skylights
  • Remain inside until weather passes
  • Take care when walking or driving in flooded areas

3. Have a Safety Drill or Two

If you are a business owner, you are responsible for the safety of your employees. To be sure your workers are ready for inclement weather in Trenton, OH, hold periodic safety drills. These drills can help your employees form excellent storm-safety habits. If you aren’t sure how to conduct an effective drill, you can use a restoration service to get some ideas.
Protecting your company’s physical and personal assets during a rain storm or other severe weather is often a top priority. With a bit of planning, though, you can be certain your organization is ready.

Four Ways To Protect Your Business After a Fire

12/29/2019 (Permalink)

Board up windows and doors of a building Board up the openings of your building to prevent further damage

4 Ways to Secure Your Property After a Business Fire

A fire can leave your Millville, OH, commercial property vulnerable to bad weather, criminals and wildlife. Fortunately, a security fence and other safety measures can protect your business from secondary damage. Additionally, insurance companies want to know that you took adequate precautions to prevent further harm to the property. If they discover you were negligent, they may deny your claim on the secondary damage. The following are four ways you can secure your property after a business fire:

Cover the roof. Depending on how severe the fire was, the emergency workers may have cut holes in the roof for fire and smoke to escape. However, these openings can also let in bad weather and industrious animals. A tarpaulin is an easy and inexpensive covering that you can quickly install over the roof until you can make permanent repairs.

Board up windows and doors. The fire and firefighting efforts may have also damaged your windows and doors. You will want to board up these openings to prevent further damage. Plywood is fairly inexpensive and easy to install.

Install a security fence. Although you have already secured the building itself, it is a good idea to put up a fence to further deter would-be looters. The fence will also prevent people from accidentally wandering onto the property and getting injured. Even if the person was on the property without permission, he or she can still file a lawsuit against your company if they are injured. A fence can protect you from litigation.

Keep an eye on the property. Check in with the property frequently to make sure new problems have not arisen and to discourage trespassers. For some properties, you may even decide to hire a security guard until the restoration is complete.

Although securing your building with tarps, plywood and a security fence can prevent many cases of secondary damage, you may still need help cleaning up the primary damage. Fortunately, an experienced restoration company can help you with all stages of the fire cleanup process.

4 Guidelines for Safe Fire Alarm Usage

12/23/2019 (Permalink)

Testing smoke alarm Test your smoke alarm monthly

4 Guidelines for Safe Fire Alarm Usage

Fire safety is something children learn from a young age. Don't play with fire, stop drop and roll, and other common slogans may ring a bell. But for many homeowners, home fire safety comes with some glaring question marks. Do you know how to protect your Ross, OH, residence using best fire alarm practices? Whether you own a home or rent an apartment, proper installation, maintenance and use of your fire alert system can make a life-saving difference. The following four guidelines should be followed to keep your home and family safe from fire danger.

1. Install the Correct Number of Alarms

Whether you live in a studio apartment or a large estate, the National Fire Protection Association provides guidelines for installing smoke detectors in any sized dwelling. No matter the square footage, it is recommended that homes should have smoke alarms in each of the following places:

  • Inside each bedroom
  • Directly outside of sleeping areas
  • Minimum of one on each level, including upstairs and downstairs

If your home is lacking the proper amount of detectors, look for easy-to-install models that can be adhered directly to the ceiling.

2. Replace the Batteries Regularly

Aside from avoiding those ear-piercing chips that come in the middle of the night, regular battery replacement is essential for safe operation of your fire alarm system. Battery replacement should be done one to two times each year to ensure your system is prepared for an incident involving smoke damage.

3. Replace Home Fire Alarms According to Manufacturer Directions

On average, your home fire detector has a life span of 8-10 years. Residents living in older structures should not overlook the fact that their alarms may be past the manufacturer guidelines for safety. If it's time to replace your alarms, don't fear. Most models can be found in the $10-$20 range making them very affordable.

4. Test Alarm Monthly

Finally, monthly testing of your fire alarm will help ensure that you have done your part to prepare for a possible house fire. Don't be caught unaware when your home and family are left with the aftermath of fire damage in Ross, OH.

4 Things You Need To Know About Flooding, Rental Properties, and Insurance

12/18/2019 (Permalink)

Office flooded Office flooded in Trenton, OH

4 Things You Need To Know About Flooding, Rental Properties, and Insurance

When flood damage affects your building, there are sure to be some difficult emotions, whether you're a tenant or the property owner. It can be especially rough if you're not sure who should be responsible for the damages. Unfortunately, there isn't much time to determine who should pay because damages get worse rapidly as water sits. Renter's insurance may include flood coverage, but only if the separate policy has been added. Here's what else you need to know:


It is the renter's responsibility to get insurance.


Anyone renting space in a commercial building or living as a tenant in a rental space should have renter's insurance. Sometimes, the owner of the property requires insurance coverage before allowing the renter to move it, but it is not the owner's responsibility to make sure tenants are properly covered.


Landlords are responsible for structural elements of the building.


This responsibility includes elements such as flooring, window treatments, and appliances. Basically, anything that is included in the rent is part of the landlord's responsibility. When storm damage has made it impossible for the building to be habitable, the landlord is responsible for repairs to make the space livable.


Landlords are responsible to ensure proper maintenance.


Plumbing and electricity are included in this responsibility. If a toilet, tub, or sink isn't draining properly or is backed up, the landlord may be charged with negligence when items are damaged. However, tenants must prove negligence. This means maintaining a detailed record of any mishaps and how often the landlord was contacted for corrections.


Insurance for renters doesn't cover everything.


Tenants can expect insurance policies to cover the replacement of personal items, temporary relocation costs, and some daily living expenses. However, the policy doesn't cover everything involved in flood damage. It's important to carefully review all policy paperwork to fully understand what's included.

After flood damage occurs in a rental building in Trenton, OH, water cleanup experts are sure to be called for repairs. When all is said and done, however, the cost for those cleanup efforts may be shared by the property owners and the renters. The right commercial property and renter's insurance policies are essential for a full recovery.

Supply Line Maintenance Tips

12/10/2019 (Permalink)

The hand of someone fixing a supply line It's important to know the kind of supply line you have

Supply Line Maintenance Tips

When you think of issues that could cause flooding in your home in Hanover Township, OH, supply line damage is probably not at the top of your list. More often than not, flooding is caused by a malfunctioning appliance or sewer backup. A broken supply line, however, can also cause a lot of water damage in a short amount of time. Making sure all your supply lines stay in good working order can help you avoid some leaks.

How To Spot Damage

Inspecting your supply lines on a regular basis can help you head a potential bathroom leak off at the pass. There are several issues to watch for:

  • Loose bolts connecting line to wall or appliance
  • Visible wear and tear on supply line
  • Moisture on the floor near the water supply

If you notice any of these problems, you may need to fix the supply line damage or replace it altogether. Call water restoration specialists if you have an ongoing leak, because you may have water damage even if you can't see it.

When To Replace Lines

Even if you don't see any visible damage, you can still have a supply line leak if they get old and wear out. Supply lines are either made of plastic or steel, and it's important to know the kind of supply lines you have. A plastic supply line needs to be replaced every 5-6 years, even if you don't see any visible damage. A steel braided line, however, often comes with a lifetime warranty. If you upgrade to a new appliance, it's a good idea to replace the supply line as well to ensure proper fit and function.
Every part of your plumbing system must be kept in good working order to avoid potentially costly water damage repairs. Checking for supply line damage as part of your regular maintenance schedule and replacing old or damaged lines are good ways to prevent leaks.

How To Prevent Mold Growth in a Bathroom Without a Fan

11/28/2019 (Permalink)

Tile grouting by applying an homemade grout cleaner If your bathroom has tile, it’s important to grout it periodically

Follow These Tips to Prevent Bathroom Mildew

If you have an older bathroom in your Oxford, OH, home, it may not contain a fan or vent. A lack of proper ventilation can unfortunately cause mold to appear in your bathroom if you aren’t careful. However, by remembering to take proper care of your bathroom during and after a shower, you can keep the room sufficiently dry. Follow these tips to prevent bathroom mildew from invading your living space.

Open the Door and Window

Because showering tends to create the most moisture in a bathroom, it’s important to be vigilant about this before you begin your cleansing routine. Always keep the bathroom door and window open while you shower to reduce the amount of condensation in the room. By minimizing as much steam as possible, you can stop paint from peeling and keep mildew at bay.

Use a Dehumidifier

If you don’t have a fan in your bathroom, it’s a good idea to spring for a dehumidifier. This device can help keep the room dry enough to discourage the growth of bathroom mildew. When using a dehumidifier, be sure to do the following:

  • Turn it on right before showering
  • Leave it on for at least twenty minutes after your shower
  • Empty it every couple of days

These steps can ensure that your bathroom dries completely after you take a shower. Emptying out the device on a regular basis also helps it solve your humidity problem efficiently.

Grout the Tile

If your bathroom has tile, it’s important to grout it periodically. Grouting helps to prevent mold from entering the cracks and crevices of your bathroom tile. In addition to grouting, make sure you inspect your tile every now and then to confirm that it’s in good shape.
Bathroom mildew may appear in your home at any time. If you encounter signs of mold damage, call mold remediation experts as soon as possible.