Homeowner’s Insurance Policy Coverage
Scenario 1: Your basement pipes froze and burst. You don’t realize it for a couple of weeks. Now there is inches of water on your basement floor with mold starting to grow.
Scenario 2: Broken shingles on your 50-year-old roof is allowing water to leak into the attic. Water is saturating the wood and insulation which is leading to mold in the attic.
Scenario 3: You don’t think much about the mold forming in your shower until one day you notice how unpleasant it looks and you’re concerned whether it may be causing health risks.
Do any of the above scenarios sound familiar? Or, have they happened to you? Do you think your insurance policy would cover these scenarios?
Most the time, these scenarios are not covered by the insurer. Home insurance policies usually don’t cover mold that resulted from a preventable water leak, flooding, or high humidity. Also, Insurance companies typically don’t pay for maintenance issues that insurers think a homeowner should have prevented such as properly ventilating a bathroom or maintaining lower humidity in a basement. The standard homeowner’s insurance policy does not cover water damage caused by a flood. Thus, if a flood causes water damage that leads to mold, the resulting mold issue would not be covered by your home policy.
Let’s discuss what options there are if you are unsure of your policy coverages for disaster preparedness.
How do I know what my homeowner’s insurance policy covers?
A homeowner’s insurance ‘usually’ does not cover the following:
- Sewer Backup
A homeowner’s insurance ‘usually’ does cover the following:
- Damage Caused by vehicles
- Weight of ice, snow, or sleet
These are accidental and sudden incidents. Insurance companies typically cover this type of damage. Non-weather-related water damage is one of the most common home insurance claim and one of the most expensive!
What To Do:
Check your homeowner’s insurance policy to see if there is any language or endorsements for claims concerning mold, sewer, flood, etc. Some insurers require special add ons to cover mold, sewer backup, floods, etc. The insurance company may also place limits on the coverage which means limiting how much the insurer will pay for a related claim. Call your insurance agent to review the coverage you have and discuss the limit/coverage you desire. The least expensive insurance policy is not always the best. You may be giving up coverage you think you automatically have with a homeowner’s policy.
Last but not least, if you experience a loss that you know will be covered and need to file a claim then always remember SERVPRO of West Erie County is just one call away! Our professional technicians will get your lives back in order and your home restored the right way, "Like it never even happened."
Benefect® Antimicrobial Agent
Mold. The thought of mold, fungus, or any other unwanted organisms that can wreak havoc on both your mental and physical health in one’s home can be extremely alarming. However, for some the thought of using harsh chemicals is just as equally alarming, so what is one to do?
Fear no more! SERVPRO of West Erie County would like to introduce you to Benefect®, the world’s only authentically botanical disinfectant! Harnessing the power of the essential oil from the thyme plant as its active ingredient, Benefect® and its line of products kills 99.999% of specific bacteria, viruses, and fungi. By only using ingredients that are either F.D.A (Food and Drug Administration) approved as Food Additives or on the United States G.R.A.S. (Generally Recognized as Safe) list Benefect® enables SERVPRO to bring a health conscience alternative to your mitigation needs. Whether it be mold, water damage, or even biohazard, Benefect® can be used to safely mitigate your home or commercial property during a catastrophic event.
Here at SERVPRO of West Erie County PA we favor using Benefect® for the following:
- Commercial and Residential Kitchen Cleaning
- Public and Private School Cleaning
- Community Centers
- Day Care and Nursery
- Residences with an emphasis on organic living
- And many other buildings and facilities where the use of harsh chemicals is prohibited
With any questions about the uses of these amazing products please contact us at SERVPRO of West Erie County Pennsylvania for all you’re cleaning and mitigation needs.
As spring fever hits us all, it is time to say goodbye to that dirt and those germs and get your home in shape for the spring! We want you to take advantage of these spring cleaning tips to make your home as fresh as possible.
-dust crown molding and baseboards
-wash window blinds
-polish wood furniture
-clean air vents
-change air/furnace filter
-replace batteries in smoke detector
-remove rugs to shake out, then vacuum, then clean under them
-touch up paint
-wash table linens
-clean shower curtain and liner
-clean dryer vent
-clean inside washing machine
-empty washing machine drain pump
-clean out garage
We hope these are useful to you and aid in you getting your home in shape to have a great spring!
Presque Isle : Bucket List
presque isle beaches
As the weather in Erie County is starting warm up, Presque Isle is definitely an attraction that everyone should get to. It is very large and has many things to do there, visitors will have a great time and certainly not be bored.
Things To Do
Spend time on the beaches- The 11 miles of beaches is what makes Presque Isle the magnet for locals and tourists from all over the region.
Eat a hot dog at Sara’s
Check out the kites-On the western end of the park you will find Sunset Point situated between Beaches 9 and 10.
Take a loop on the Multi-purpose Trail-The paved trail starts right when you enter the park and continues around the entire perimeter of the park, ending just about where you started, 13.5 miles later.
Listen to the music-For six weeks in June and July, Beach 1 is transformed every Wednesday night into a free, open-air concert venue.
Check out the North Pier
Hunt for beach glass- If you enjoy looking for the needle in a haystack, you will likely enjoy the hunt for beach glass.
Explore the lagoons-Bring your canoe, kayak or other boat down and explore the many lagoons of Presque Isle.
Tour the Presque Isle Lighthouse-Located near Beach 8, the Presque Isle Lighthouse is the second oldest lighthouse on Lake Erie’s shore.
Enjoy a sunrise or sunset- We would put a Lake Erie sunrise or sunset up against any in the tropics and feel like we had a good chance of winning.
National Burn Awareness Week
National Burn Awareness Week is February 5th through the 11th.
For homeowners, putting out a fire can be worse than the fire itself. The first 48 hours after a fire damage can make the difference between restoring versus replacing your property and personal belongings.
What You Can Do Until Help Arrives
- Limit movement in the home to prevent soot particles from spreading and additional damage from occurring.
- Place clean towels or old linens on rugs and high traffic areas and upholstery.
- Coat chrome faucets, trim and appliances with petroleum jelly or oil.
- Place aluminum foil or wood blocks between furniture legs and wet carpet.
- Do not wash any walls or painted surfaces.
- Do not shampoo carpet or upholstery.
- Do not clean any electrical equipment.
- Do not send clothing to a dry cleaner since improper cleaning may set smoke odor.
For more information, The American Burn Association (ABA) offers many different prevention resources.
Emergency Ready Profile
Here at SERVPRO, for the month of February, our theme is "Ready". Any type of disaster can be devastating for a company. However, in the midst of a disaster having an Emergency Ready Profile can help you and your company be "ready" and limit the damage as much as possible. As many as 50% of businesses close down following a disaster, according to the latest research. Of the businesses that survive, the overwhelming majority of them had a preparedness plan in place.
The SERVPRO Emergency READY Profile Advantage
- A no cost assessment of your facility.
- A concise Profile Document that contains only the critical information needed in the event of an emergency.
- A guide to help you get back into your building following a disaster.
- Establishes your local SERVPRO Franchise Professional as your disaster mitigation and restoration provider.
- Identification of the line of command for authorizing work to begin.
- Provides facility details such as shut-off valve locations, priority areas and priority contact information.
History of SERVPRO
Ted and Doris Isaacson started SERVPRO Industries in 1967, originally as a painting business out of Sacramento, California. With experience in cleaning and restoration they changed the company into a franchisor of cleanup and restoration. The first franchise was bought in 1969, since then SERVPRO has continued to grow.
They then relocated their corporate headquarters to Gallatin, Tennessee in 1988; placing itself within 600 miles of 50% of the United States. SERVPRO sold it's 1,000th franchise in 2000. In 2015, The Tennessean listed SERVPRO as one of the top workplaces in the state. Today SERVPRO has over 1,700 franchises across the United States and Canada.
With a proud history, a successful present, and a bright future SERVPRO will continue toward becoming the leading cleaning and restoration company in the world.
Water Damage Tips
"Like it Never Even Happened"
What To Do After Flooding
-Remove excess water by mopping and blotting.
-Wipe excess water from wood furniture after removal of lamps and tabletop items.
-Remove and prop wet upholstery and cushions.
-Place aluminum foil or wood blocks between furniture legs and wet carpeting.
-Turn air conditioning on for maximum drying in summer.
-Remove colored rugs from wet carpeting.
-Remove art objects to a safe, dry place.
-Gather loose items from floors.
What Not To Do After Flooding
-Don't leave wet fabrics in place. Hang furs and leather goods.
-Don't leave books, magazines or other colored items on wet carpet or floors.
-Don't use your household vacuum to remove water.
-Don't use television or other household appliances.
-Don't turn on ceiling fixtures if ceiling is wet, and keep out of rooms where ceilings are sagging.