The Claims Information Center: Helping Streamline the Insurance Process
While the insurance claim process in the Hanover Township, OH, area is no cakewalk for homeowners, insurance agents don’t necessarily have it any easier. The job of an agent or an adjuster is to verify the information provided on a claim and to ensure that all information is reliable and accurate. Thankfully, a disaster restoration expert has created a solution for all your claim woes. SERVPRO has created a claims system that will likely reduce research and approval time.
1. What Is the CIC?
The CIC stands for the Claims Information Center, and it is a culmination of claims organized by type, cause and response times. Additionally, the system provides an insurance agent with insight into the performance of the company against other national performers.
2. How Is It Useful?
The CIC allows agents to research a similar insurance claim to the one they are working on and to track its progress. This tool essentially operates as both an encyclopedia and a project manager, allowing insurers both accuracy and dependability.
3. What Is ReportER?
ReportER is SERVPRO’s corporate database and is, through the Management Dashboard, essentially the access point to the CIC. This is the area where agents can research and check on any current projects. The database is routinely updated, providing insurers with accurate and timely information regarding their current outstanding claims.
It is true that the insurance claim process is no cakewalk, and that insurance agents take on the brunt of the work. However, the CIC system allows an agent to research and verify information in a more accurate and reliable way. Through an innovative dashboard design, they are able to access information in the ReportER database and answer questions about project completion and corporate efficiency. Agents can now understand the whole picture by visiting one comprehensive and straightforward site. The Claims Information Center has truly streamlined the insurance process.
Business Insurance: Is Flood Insurance Necessary?
Flood insurance is not necessary for every part of the country.
Is Flood Insurance Necessary?
Flood insurance is not necessary for every part of the country. The fact is that certain areas are considered high-risk zones, which indicate a higher than average probability of a flood occurring. If your business operates in one of these areas, it may be beneficial to purchase the extended coverages offered by flood policies. However, this always brings up questions of coverages and comparisons between commercial and flood policies that require some explaining.
1. Commercial Policies
Commercial insurance does not typically cover external flood damage, meaning flooding that occurs because of storms and other surges. These policies will only cover damage done by broken pipes or blockages that are directly related to your property.
2. Flood Policies
Flood coverage is typically offered through the federal government’s National Flood Insurance Program. However, some other companies may provide riders to an existing policy, but these are rare for businesses. Flood coverage will only cover the damage done to the building due to flooding; it will likely not include landscaping, vehicles or business interruptions, these are typically only covered partially under the comprehensive option.
Some businesses will likely be required to have flood insurance, but that is dependent on your zoning and your mortgage lender. Firms in a high-risk flood area are required to have flood coverage, especially when the mortgage is through an insured or federally regulated lender.
Flood coverage will likely cover all damage within your property that was caused by the flood; for example, flooring, walls, plumbing and electrical outlets. However, a flood remediation specialist in the Hamilton, OH area or your insurance provider can offer more assistance and information on possible coverages.
Flood insurance is not necessarily a requirement for your commercial property, but it may still be a wise purchase. While it is often required in high-risk areas, other areas can still flood, and coverage ensures protection.
How to detect water damage in home?
If you think you have water damage in your home, it is important to get in contact with a professional restoration company immediately. SERVPRO provides 24 hours services for emergency services, and can be available to help.
In many cases the water might not be visible. SERVPRO has special equipment and resources that can detect water that might be unseen. Once the water is detected, certain materials can be removed and the extraction and drying can begin to take place.
It is important to document each step of the water damage restoration process. This way you will have adequate records if you have to file a claim with your insurance company. SERVPRO makes sure to keep complete records for you as well as document each step of the project.
Fire Protection: What Renters Can Expect From Their Coverage
Ask your insurance agent if you are covered
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.
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:
- 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.
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.
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.
Understanding Mold: Bread Mold
Take precaution with Mold.
Bread mold is a common issue that most homeowners have come across, but it may be something that they do not entirely understand. How many times have you gone to make a sandwich to find that 3-day-old loaf of bread fuzzy and discolored? Mold is not a complex organism, but it can be dangerous.
1. Cause of Mold
The fungus does not discriminate between hot and cold climates. You may find moldy bread in your drawer, or you may even discover fridge mold. The truth is that mold is a living organism that enjoys cool temperatures in dark and damp spaces. While a drawer is not necessarily damp, bread does have enough moisture and nutrients to make this particular organism happy.
2. Avoiding Ingestion
Bread mold has been known to make people sick, and every level of precaution should be made when coming into contact with mold. While it is not necessarily deadly, people can be allergic to mold, and the taste and smell can make you vomit. It is true that some molds are poisonous, but mold on bread is likely harmless to your long-term health.
3. Basic Safety
Mold can create problems if ingested, so you may want to follow basic safety precautions if you have to handle it. First, don’t smell it because it may cause respiratory issues. Second, seal it in a plastic bag or leave it in the bread bag tied off. Third, if the mold came into contact with any surface, clean the area. Finally, check that the mold did not spread.
4. Treating Underlying or Spreading Conditions
While moldy bread is common, it is not always the source of fungus growth. It is possible that a leaky pipe behind your kitchen cabinets has caused the initial fungus which has now spread into your bread drawer. If you suspect that there may be a larger underlying issue, then you may want to contact a mold remediation specialist in the Hamilton, OH, area to clean and restore your home.
Bread mold is a common household problem and one that is typically independent of other issues. However, you should still take precautions to avoid potential illness.
Potential Effects of Water Leaks on Building Materials
Ceiling damage due to a broken pipe in a Ross, OH home
A broken pipe in your home in Ross, OH, can cause significant water damage. This is particularly true if you don’t notice the problem when it first occurs or you don’t call for repairs right away. Signs of damage can include swelling wood, water stains and even mold. The longer the excess water is in contact with your house’s walls, support beams, flooring and ceiling materials, the more damage you are likely to see.
If a supply line breaks, a lot of water will probably spill out and start pooling. It doesn’t take long for problems to manifest:
- The first few minutes - water can spread or cause rugs or other textiles to stain floors and walls
- The first few hours - wood frames and drywall start to absorb water and swell
- The first few days - clean water becomes gray water and may start to foster mold growth
As you can see, if you don’t get the problem resolved quickly, swelling wood is only one of the potential effects with which you may have to contend. The sooner water restoration specialists can assess and address the problem, the fewer problems you may end up having.
If the walls of your home are merely wet, avoiding additional damage may be as simple as drying them off. If your building materials have taken on water and started to expand, however, technicians must tear out the affected walls and beams and replace them with new, unblemished material. To minimize the risk of this happening, turn off the source of the water and hire someone to perform water pipe repair as soon as possible. Then you can focus on removing water and restoring your structure.
It doesn’t take long for a pipe or supply line break to result in swelling wood beams or saturated drywall. By addressing the leak quickly, you may be able to save your home from further damage.
Fire Remediation: Where Did All the Water Come From?
Water damage after a fire in Trenton, OH
It is odd to consider water cleanup in association with fire remediation, but it is a common pairing. After experiencing a business fire, it can be hard enough dealing with the charred remains of your property, but to also find water damage in areas that weren’t touched by the flames is frustrating and confusing. The fact is, firefighters take many precautions to ensure the safety of others.
1. Putting Out the Blaze
Depending on the size of the fire, firefighters may have multiple hoses aimed at your property within minutes of arrival. These hoses operate at 400 psi and douse the flames in gallons of water per second. Additionally, firefighters will break out windows surrounding the blaze to hit the fire from above and below, causing massive amounts of flooding within your building.
2. Limiting the Damage
In an effort to limit the damage of a fire, firefighters will attempt to contain the fire to the initial area. However, this means that they will likely break through windows and doors of other rooms, flooding these areas with water to prevent the fire from spreading throughout the building but simultaneously expanding the water cleanup in its aftermath.
3. Restricting the Spread
Beyond dousing unaffected rooms, firefighters will soak the exterior of your property to limit the possibility of the fire jumping to surrounding buildings. This means your entire property is being doused, but it is a good thing. The water protects you, your property and your neighbors.
4. Walking Through the Facility
Once the fire is out, emergency services will walk your property looking for embers, using fire extinguishers on any remaining sources of heat. Between the hoses and the extinguishers, the fire cleanup is a massive undertaking requiring the assistance of a disaster restoration specialist in the Trenton, OH, area. These professionals are also experts in smoke cleanup.
While not often considered, water cleanup after a fire can be extensive. The fire hoses alone will contribute to a significant amount of water buildup, but when coupled with extinguishes and other suppression systems, it is likely necessary to hire a remediation specialist.
Broken Pipes: What Will Your Insurer Cover?
Restoring documents due to water loss in Hamilton, OH
While every insurance coverage policy varies and is conditional, a sudden flood caused by broken pipes will likely be covered. However, that is dependent on the underlying circumstances and conditions that resulted in the pipe failure. In signing the insurance contract, homeowners make a promise to maintain their property, which means that whether you are covered depends on your commitment to that promise.
Sudden and Unexpected Breaks
Most insurers will cover sudden and unexpected breaks, meaning that there was no way to predict the mishap. However, many insurance companies have certain expectations for upkeep. Therefore, it is a good idea that you keep all receipts from inspections and repairs to prove that negligence was not a part of the pipe failure.
For flood claims that pass muster, an insurer will likely cover secondary damage as well. Secondary damage refers to any items that were harmed because of the water buildup or broken pipe — for instance, carpets, furnishings, artwork, important documents and any other material or equipment that may have been harmed.
Possible Prevention and Restoration
In addition to covering damage, many insurers will provide funds to fix a broken pipe, restore the damage, and even upgrade elements to prevent a potential disaster in the future. As these are significant expenses, your insurance provider may require you to get several quotes and estimates from emergency restoration companies in the Hamilton, OH, area. These companies are typically one-stop shops for all of your restoration needs, either handling your case entirely in-house or helping to facilitate contracts for renovation efforts.
A flood caused by broken pipes and leading to water damage is a significant problem for homeowners, but homeowner’s policy agreements usually protect them in these instances. As long as the homeowner can disprove negligence, if not already apparent, then an insurer will likely have no issue approving coverage on your insurance claim.
Steps Kids Can Take to Safely Escape a House Fire
Closing all doors in your home at night can help slow down the spreading of potential fire within your home
It’s impossible to put into words the helpless, awful feelings you would feel if your home were to catch on fire. This is an event everyone dreads and hopes they never have to experience. If this terrible situation arises, however, kids’ safety is most critical. This is why it’s vital to teach your children how to quickly and safely get out of your Oxford, OH, home if you detect a fire.
At the moment you know there is a fire in your home, you should think of your well-being and of your kids’ safety. Before you do anything, make sure everyone in your house knows about these vital steps:
- Have a predetermined meeting place.
- Call 911.
- Don’t go back into the home for belongings.
Crawl to Safety
One of the most effective escape methods to teach to children if a home fire occurs is the crawl. Smoke will rise, so it’s important to stay low. This will make it easier to breathe and to see where exits are. Teach children to get on all fours with their heads down to the floor. Alternatively, children can put their bellies on the floor and use their forearms and legs to move on the floor like a snake. This method is effective if the heat is especially intense.
Often, a house fire will start when children are sleeping in their rooms or when family members are in another room in the house with the door closed. A proper fire escape in these situations is most likely if children will learn to first press the backs of their hands up against the door. If the door is hot, kids shouldn’t open the door. If the door is not hot, make sure your kids know to slowly open the door a little and examine the area. If it’s safe to proceed, they may crawl out.
To ensure your kids’ safety, make sure they understand these guidelines. You can then have peace of mind everyone is safe and sound by the time firefighter and fire cleanup experts arrive.
How Water Mitigation Works
Dehumidifiers and air movers placed to dry out a business in Hanover Township, OH
If there's a water emergency at your Hanover Township, OH, business, whether from a broken pipe, a supply line leaking or a toilet backup, it's a good idea to call a professional water mitigation company. A sewer backup or pipe burst cleanup needs to be handled by these remediation experts, who can quickly diagnose the situation. They can completely take care of the water cleanup and make sure that any threat from pathogens, such as black mold, is eliminated.
Following the steps outlined below, the water mitigation company can efficiently eradicate your problem before it causes even more damage.
1. Inspection and Diagnosis
The water mitigation company can come out to your building right away to complete an inspection and sample the water to see if pathogens might be present. Based on their diagnosis, they then determine which specialized equipment and techniques to use.
2. Removal of Building Contents
Next, they remove any items, such as furniture, business equipment or important documents, taking them to a dry place out of harm's way. The items are then sorted through to see what can be saved. Any salvageable items are completely dried, cleaned, sanitized and deodorized.
3. Water Extraction
As soon as everything has been removed, the extraction of standing water and moisture can begin. Different kinds of specialized equipment and techniques may be used, depending on whether it's a pipe burst cleanup, removal of sewer water, or a supply line cleanup.
Once all excess water is removed, heavy-duty dehumidifiers and air movers are put in place. This ensures that all hidden moisture is removed and that everything is thoroughly dried out.
5. Restoration of the Building
At this point, any necessary cosmetic and structural repairs are made. The process may be as simple as painting and replacing drywall, or may entail the reconstruction of entire rooms of the building, depending on how bad the damage is.
Whether you need sewer backup damage repair, a pipe burst cleanup, or other water damage cleanup, a professional water mitigation company can help you. They can quickly get the problem under control and get your building back to normal.