Flood Insurance vs Regular Home Insurance: Understanding the Differences
Flooded residential house
When it comes to protecting your home, having the right insurance coverage is essential. Whether you are looking to protect your home from fire, theft, or natural disasters, having the right insurance coverage can provide peace of mind and help you avoid costly expenses in the event of a loss. However, with so many different types of insurance coverage available, it can be difficult to know what type of insurance coverage is right for you. In this article, we will explore the differences between flood insurance and regular home insurance and the costs involved.
What is Flood Insurance?
Flood insurance is a type of insurance coverage that provides protection for homes and businesses against damage from flooding. This type of insurance is designed to protect against the financial losses that can occur from water damage, including damage to the structure of your home, its contents, and personal belongings.
What is Regular Home Insurance?
Regular home insurance, also known as homeowners insurance, is a type of insurance that provides protection for homes against damage from a variety of sources, including fire, theft, and natural disasters. This type of insurance coverage can include protection for the structure of your home, its contents, and personal belongings, as well as liability coverage for accidents that may occur on your property.
The costs involved with both flood insurance and regular home insurance can vary widely depending on several factors, including the location of your home, its value, and the amount of coverage you need. Flood insurance typically costs more than regular home insurance, as the risk of damage from a flood is higher. However, the cost of flood insurance can vary greatly depending on the flood zone your home is in, with homes in higher risk areas costing more to insure. Regular home insurance, on the other hand, typically costs less, but again, the cost will depend on the value of your home, its location, and the amount of coverage you need.
Differences in Insurance Coverage
While both flood insurance and regular home insurance provide protection for your home and belongings, there are significant differences in the types of coverage they offer. Flood insurance typically provides more comprehensive protection against damage from flooding, including protection for the structure of your home, its contents, and personal belongings. Regular home insurance, on the other hand, may provide limited protection against damage from flooding, and may not cover damage from flooding at all, depending on the policy.
When it comes to protecting your home and personal belongings, having the right insurance coverage is essential. Whether you choose flood insurance or regular home insurance, it is important to understand the differences in coverage and costs involved so that you can make an informed decision. By considering your specific needs and the risks associated with your home, you can choose the insurance coverage that is right for you and your family.
Why should Commercial Property Managers use SERVPRO?
SERVPRO Large Loss jobsite at the Galleria Mall
SERVPRO is the trusted choice of commercial property, asset managers & commercial real estate professionals for all types of restoration needs, from fire and water damage to mold remediation and more.
Our experienced team understands the unique requirements of commercial space, resulting in reduced disruption for your tenants and employees while delivering exceptional results every time.
For commercial property and asset management, SERVPRO has earned the trust of numerous commercial property management companies. Our long-standing experience in this industry makes us a reliable source for all your needs related to managing these kinds of assets.
We are a proud member of the Institute of Inspection Cleaning and Restoration Certification (IICRC), which means that our technicians are highly trained in the latest techniques and technologies needed to restore commercial spaces back to pre-disaster condition. Our IICRC certification ensures that we have the knowledge and expertise necessary to properly assess any damage, develop an effective action plan, and deliver exceptional results every time.
As a commercial property manager, you can trust SERVPRO to provide reliable service that meets your client's budget requirements while ensuring satisfaction with every project.
Proactive Approach for Property Management:
SERVPRO of Citrus Heights / Roseville is an "industry leader" for commercial restoration services, and we understand that time is of the essence when it comes to restoring businesses back to pre-disaster conditions.
We take a proactive approach to ensure quick turnaround times while also ensuring quality results. Our technicians are equipped with the latest tools, training, and technology needed to quickly and efficiently restore commercial properties back to their original state.
With over 39 years of experience in this field, customers can trust that their assets will be taken care of correctly and completely during any restoration project. SERVPRO is committed to providing you with exceptional service every time so you can rest assured knowing your commercial properties will be restored quickly and safely!
Fast Response Times:
When it comes to restoring commercial spaces after a disaster, SERVPRO® is the preferred choice for property and asset managers. Our team of professionals understands the specific requirements of commercial properties, allowing them to provide fast response times with minimal disruption for tenants and employees while still achieving impressively restored results each time.
Close to 40 Years of Experience:
SERVPRO of Citrus Heights / Roseville has been providing exceptional commercial restoration services to the local market for over 39 years. Experience in restoration is crucial when it comes to providing quality results and minimal disruption.
At SERVPRO, our team of experts has over 60 years of combined in-house restoration experience in the industry and understands the unique needs of commercial spaces and the requirements of commercial property managers.
Latest Tools & Technologies:
For commercial property managers, the latest technology can be a lifesaver when it comes to responding quickly and efficiently to unexpected disasters. With the ability to provide detailed reports on damage assessment, restoration progress, and overall cost savings, modern technology solutions give asset managers an invaluable tool for managing their properties.
SERVPRO® of Citrus Heights / Roseville's cutting-edge restoration technologies are designed with these needs in mind – providing accurate information that helps ensure timely repairs. From advanced cleaning systems to specialized drying equipment, SERVPRO's innovative solutions make it easier than ever for commercial property managers to restore their assets to preloss conditions while minimizing disruption and saving money.
Moisture detection is an essential part of any commercial restoration project. With the latest advances in technology, commercial property and asset managers can now take advantage of infrared thermography to detect moisture in walls, floors, and ceilings quickly and accurately.
This non-invasive tool allows technicians to identify the source of the water damage without having to tear apart walls or disrupt business operations. Infrared thermography offers a reliable solution for detecting hidden moisture with minimal disruption while ensuring quality results every time.
Minimal Disruption to Property Owners and Tenants
SERVPRO® of Citrus Heights / Roseville understands the importance of minimizing disruption to property owners and tenants when restoring commercial properties. This is essential to property management and their tenant.
SERVPRO® of Citrus Heights / Roseville is committed to providing top-notch service without disrupting property owners, tenants, or anyone else. To ensure this, we can work after hours, if required, set up containments to minimize noise levels, and use air filtration devices that prevent any dust from spreading throughout your home or business.
Strict Safety Protocols
SERVPRO® of Citrus Heights / Roseville is always vigilant about keeping staff and clients safe, which is why they take precautions like providing special protective clothing such as face masks, gloves, barriers, and signs.
We employ stringent safety protocols to protect everyone from additional damage or harm during any restoration project. Additionally, our personnel is mindful when inside a commercial property to ensure that everyone remains safe at all times. Property Managers can ensure that SERVPRO® of Citrus Heights / Roseville is mitigating risk during any restoration.
SERVPRO® of Citrus Heights / Roseville provides a tailor-made reliable service that meets individual property budgets ensuring satisfaction with every project. We understand you, with rent roll, cash flow, marketing budgets, and other fees it is important for investors to trust a property management company to protect their investment.
Full-Service Restoration and Construction
At SERVPRO® of Citrus Heights / Roseville, we understand the importance of providing full-service restoration and construction services to commercial property managers and owners.
We are committed to ensuring that our client’s assets are restored quickly and efficiently, to minimize disruption for tenants and property owners alike. SERVPRO® of Citrus Heights / Roseville provides comprehensive restoration services for commercial properties to help property managers and owners get back to business faster.
If you're in real estate investment, property maintenance, facilities management or more, SERVPRO® of Citrus Heights / Roseville has the right solution for you. Call us today @ 916-966-2601.
Why SERVPRO® Is the Right Choice for Mold Remediation.
Green Mold on Drywall
SERVPRO is an experienced professional mold remediation service that can effectively mitigate the risks associated with mold growth and mold infestations. Our trained and certified technicians utilize industry-leading techniques, products, and equipment to effectively identify, contain, and mold removal from both residential and commercial properties.
Why does mold grow?
Mold growth within a water-damaged structure is a serious problem that can lead to significant health risks and mold-infested materials. The presence of moisture, along with the right temperatures and food sources, provide ideal conditions for mold spores to thrive and spread throughout the structure.
To prevent further damage from occurring, it is essential to take immediate action in order to remediate any existing mold or mitigate potential future outbreaks. SERVPRO's experienced technicians have the knowledge, expertise, and equipment necessary to properly identify, contain and remove mold from both residential and commercial properties quickly and safely.
With their industry-leading techniques, products, and equipment they are able to effectively minimize the risk associated with mold growth while restoring your property back to its preloss condition.
Mold health effects:
Mold can pose serious health risks to humans and animals alike. Long-term exposure to moldy environments has been linked to a variety of respiratory illnesses, allergic reactions, skin irritations, and other more serious conditions.
It is therefore extremely important for any residential or commercial property with a mold infestation to have the affected materials removed in order to reduce the chances of adverse health effects on those exposed. SERVPRO offers reliable and effective solutions for mold remediation that can help protect you from the dangers posed by mold growth.
SERVPRO® and the Mold Remediation Process
SERVPRO's mold remediation process includes mold inspection and testing, containment, air filtration, removal of affected materials, cleaning of non-porous surfaces, and restoration.
Containment is an important part of the mold removal process and it involves setting up physical barriers to prevent the spread of mold spores. SERVPRO technicians are trained in proper containment protocols, which help keep impacted areas isolated from other parts of the property. This helps protect not just people but also furniture and other items within a home or business from contamination. Additionally, all materials removed during remediation will be contained and disposed of properly according to local, state, and federal regulations.
Air Filtration Devices:
As part of the SERVPRO mold remediation process, air filtration devices are used to capture and remove airborne mold spores. This helps to reduce the risk of cross-contamination by preventing the spread of airborne particles during the removal process. Air filtration systems also help to improve indoor air quality in affected areas after the completion of a project, reducing health risks associated with mold exposure.
AFD's also reduce exposure of inhaling mold spores. These AFD's utilize high-efficiency particulate air filters otherwise known as HEPA to filter spores from the air. The type and size of the system used are dependent on factors such as the level of contamination present and the degree of infestation.
Selective Demolition for Removal of Mold Spores:
Selective demolition is an important step in the mold remediation process. This involves removing contaminated materials that are unable to be cleaned or restored and disposing of them safely. SERVPRO technicians have the experience and knowledge needed to properly identify and remove affected materials, such as drywall, insulation, carpets and other porous items that may be harboring mold spores.
By selectively demolishing only those items which cannot be salvaged, SERVPRO can help contain the spread of contaminants while minimizing costs associated with replacement material. Additionally, all debris will be disposed of according to local regulations for safe disposal of hazardous waste materials.
Mold Disinfectant and Encapsulants:
In the SERVPRO mold remediation process, applying mold disinfectant and an encapsulant when needed is a critical step. Disinfectants are used to kill existing mold spores on surfaces, while encapsulants provide long-term protection against future mold growth. The type of product used depends on factors such as the level of contamination present and degree of mold infestation.
Mold air sampling is an important step in the SERVPRO mold remediation process. This involves testing the air quality of affected areas to determine whether there are any airborne mold spores present and, if so, what type of mold they belong to. Air sampling can help identify sources of contamination and provide a baseline for comparison after remediation has been completed.
It also helps ensure that all hazardous materials have been removed from the environment prior to restoration work beginning. The type and size of air sampler used is dependent on factors such as level of contamination present and the degree of mold infestation. By conducting thorough air sampling before, during, and after a project, SERVPRO technicians are able to ensure that your home or business is safe from potential health risks associated with mold problems.
Prevent future mold growth
SERVPRO also offers additional services to help prevent future mold growth. These services include dehumidification, air quality evaluations, and more. Reducing moisture is key to removing future mold problems. Their goal is to help ensure that your home or business is free from harmful mold spores and other contaminants that can cause illness or damage to the property.
When it comes to mold remediation, SERVPRO is the clear choice for quality and reliable service. With their experienced technicians, industry-leading products and equipment, satisfaction guarantee, and commitment to customer service, you can trust SERVPRO to handle your mold issues. Get in touch today for a free estimate and find out how they can help you!
Additionally, SERVPRO is a certified firm by the Institute of Inspection, Cleaning, and Restoration Certification (IICRC). This means that their mold remediation services are of the highest quality and meet the industry's standards for both safety and efficacy.
If you have a mold related issue in your home or business, call us today! 916-966-2601
9 Tips for Fire Damage Prevention
How you can prevent housefires.
As a homeowner, you want to safeguard your investment from potential harm — but do you know exactly how to keep it safe from the risk of fire damage? Although fires can still happen due to circumstances beyond our control, there are many steps that homeowners should take in order to ensure fire damage prevention or minimize possible destruction caused by a fire. In this blog post we'll cover some tips on how you can protect your home and family from potential fire damage. Read on for ways you can help lower the possibility of experiencing heartache and costly repair bills!
1. Make sure your fire detectors and smoke detectors are always in working order
Test your smoke alarms regularly and change their batteries at least twice a year. You can use a broom handle or a long stick to press the test button, which helps you avoid having to climb up onto the ladder. Make sure the sound that is emitted is loud enough for all members of your family to hear it.
It's important to check smoke detectors regularly, as they are the first line of defense against fire damage in your home. Smoke detectors can detect fires when they start and alert you so that you have time to evacuate before it gets out of control. This early warning system is invaluable, as it can save lives and minimize property damage. A working smoke detector will give you peace of mind knowing that your family is safe from potential danger due to a house fire. In addition, checking the battery life on your smoke detectors is essential for ensuring their efficacy; dead batteries won't be able to warn you if there are fire hazards in the house. Therefore, regular maintenance and testing of these devices should be done at least twice a year –– once during daylight savings time and again six months later –– so that everyone has enough time to get out safely if an emergency occurs.
2. Educate yourself and your family about fire safety precautions
It is important to educate your family about fire safety precautions so everyone knows what steps to take in the event of a fire. This education should include information on how to prevent fires, such as not leaving things like lighters or matches lying around and making sure all electrical outlets are properly covered. It should also include instructions on how to evacuate safely if a fire does occur, including teaching children when and where to go during a fire drill. Additionally, families need to practice an escape plan from their home several times each year so that everyone can remember what they need to do in the event of an emergency. By taking these simple steps, you can help ensure your family’s safety and avoid fire hazards.
3. Keep an eye on candles and other open flames
It is incredibly important to be vigilant when it comes to candles and open flames, as they can easily create a hazardous fire situation in your home if not monitored properly. For starters, any candle should always be placed on a stable, non-flammable surface that is away from anything that could potentially catch fire such as curtains or furniture.
4. Regularly check for frayed wires or damage for fire hazards.
In order to check for damaged electrical cords, homeowners should inspect their electrical cords regularly to make sure they are not frayed or damaged which could catch fire. Careful visual inspection is important, as even the smallest frays in the wires can increase the risk of electrical fires. Homeowners should also look for signs of wear and tear on the sheathing that surrounds the electrical cord.
5. Have a fire escape plan and practice it regularly with your family
Creating a fire prevention escape plan is an important step in keeping your family and home safe from potential fire damage. Having an established plan of action will help ensure that everyone knows exactly what to do if the unthinkable were to happen. With proper planning, you can make sure that your family is prepared for any emergency situation involving a potential fire hazard.
6. Store flammable materials like gasoline in a safe place away from the house.
It is important to store any flammable materials such as gasoline, paint thinner, and other combustible liquids away from the house. Not only can these materials be dangerous if they are not stored properly, but they can also increase the risk of a fire in your home. By keeping them outside or in an approved container away from your home and family, you can help reduce the chances of a fire occurring due to improper storage. And always keep a fire extinguisher nearby.
7. Regularly inspect your space heaters within your home to prevent house fires.
Ensure your space heater has been approved to meet safety standards with an Underwriters Laboratory (UL) certification sticker. Look for a label that displays the type of heating unit, such as “electric space heaters” or “gas-fired space heaters” so you can be sure the device is safe for use.
When using a space heater inside your home, it is essential to place it in a location that will minimize the risk of causing a house fire. A space heater should never be placed near curtains, furniture, bedding, or other combustible materials as these items can easily catch fire. Additionally, any flammable liquids should be kept away from any space heater.
8. Key Safety Measures That Homes Should Take to Avoid Grease Fires
Grease fires can be incredibly dangerous and cause significant damage to any home. Fortunately, there are several key safety measures that homeowners can take in order to reduce the risk of a grease fire occurring. These include never leaving cooking unattended, keeping an eye on hot surfaces such as stoves and grills, avoiding using water to put out a grease fire, and storing flammable materials away from the house. By taking these steps and being vigilant about potential hazards in the kitchen, you can help ensure that your family stays safe from a potentially disastrous situation.
9. Ensure Safety in Your Home by Keeping a Fire Extinguisher Handy at All Times
Having a fire extinguisher in the home is an invaluable tool for preventing or minimizing the damage caused by a fire. It is essential that homeowners have an appropriate extinguisher on the premises and that it is regularly checked and serviced. Fire extinguishers are classified according to their purpose and should be chosen depending on the type of fire.
We hope you never have to experience a fire in your home or business, but if you do, know that SERVPRO® is here to help. We are open 24 hours a day and can be on-site within four hours to begin quick mitigation services. Our trained technicians use advanced equipment and techniques to restore property destroyed by fire quickly and thoroughly. Call us at 916-966-2601 as soon as possible after the fire so we can get started helping you with the cleanup and restoration process.
What You Need to Know About Storm Damage & How SERVPRO® Can Help
SERVPRO technician adding air mover to kitchen cabinets to dry water from storm related damage.
Storm damage can cause significant destruction to your home or business. Whether it's a roof leak, storm-driven water damage, flooding from rivers and streams, wind damage, or hail storm destruction, SERVPRO® is ready to help you recover quickly and safely. We have the experience and expertise to handle any storm water damage emergency – no matter how big or small. Our technicians are highly trained in restoring storm-damaged properties back to their preloss condition as quickly as possible. We use state-of-the-art technology and equipment that allows us to identify hidden moisture that often goes undetected by other restoration companies. With our advanced drying techniques, we can minimize the disruption caused by storm damage while helping you get your life back on track fast!
Common Examples of Storm Damage, Flood Damage and the Challenges They Pose
Storm damage can present itself in many forms, with signs that may vary depending on the type of storm and its strength. Common storm water damage includes roof leaks, flooding from rivers and streams, wind damage, hail storm destruction, and more. All of these types of storm damage can cause significant disruption to homes or businesses, leading to property damage, financial losses, and emotional distress.
Roof leaks can lead to heavy water infiltration into the interior of a building and are one of the most difficult storm-related damages to detect. If unchecked for too long, this can result in further structural damage or mold growth throughout the home. Flooding from rivers and streams is another challenging type of storm damage. This requires careful assessment to determine the extent of the flooding, as well as proper disinfection techniques to ensure that all affected areas are free from contamination due to flood waters. Wind damage can cause significant destruction if it reaches high speeds - anything above 50 mph is classed as a storm. It can rip off roofs, devastating gardens, and outdoor living spaces alike. Hail storm destruction is also very destructive as it not only causes direct physical damage but also accelerates wear over time - particularly when it comes to roofs, windowsills, siding, decks etc.
The importance of a separate flood insurance policy
Having a flood insurance policy is an important way to protect your home or business from storm damage. Flooding from rivers and streams, storm-driven water, hail storm destruction, and other forms of storm damage can cause significant disruption and financial losses if not properly covered by insurance. A separate flood insurance policy provides coverage for damage that may occur due to flooding on your property, including the cost of repairs or replacements needed as a result of storm damage. In addition, it can also provide coverage for temporary living expenses in case you need to evacuate during a major storm event. With this additional protection in place, you'll have peace of mind knowing that any costs related to storm damages are taken care off. If you do not currently have flood insurance, contact your local insurance agent or insurance company. Please be aware that the standard homeowners insurance policy generally does not cover damage related to floods. The most common policy is an add-on from the National Flood Insurance Program. It's important to have the right coverage.
Navigating Insurance Company Claims for a storm event and their repairs
Navigating insurance claims for storm damage repairs can be a daunting task. Storms, such as those caused by heavy rainfall, burst pipe, flooding from rivers and streams, wind damage and hail storm destruction can wreak havoc on your home or business and cause significant disruption to your life. Fortunately, SERVPRO® is here to help you through the process of filing an insurance claim for storm damage repairs. Our technicians are highly trained in navigating the complexities of flood damage restoration and have extensive experience working with insurance companies to ensure that all necessary repairs are covered under your flood insurance. We understand how overwhelming it can be when dealing with flood damage so we strive to make the process as stress-free as possible while helping you get back on track quickly!
The Benefits of Professional Restoration Services After Heavy Storms
When storm damage occurs, it's important to act quickly in order to minimize the risk of further damage and disruption. Professional storm damage restoration services provided by SERVPRO® provide a comprehensive solution that can restore your home or business to its pre-storm condition. Our storm damage restoration services include assessment, cleanup, and removal of storm debris, structural drying and dehumidification using industrial equipment, air purification, and sanitization, mold remediation as well as painting and other cosmetic repairs. Whether it is broken water lines, flash flooding, heavy rains, or sump pump failure, SERVPRO® has you under control. SERVPRO® will also work with your National Flood Insurance Program's guidelines to cover your water damage claim.
How to Minimizing storm damage in Your Home or Business
Storm damage can be minimized by taking proactive steps to protect your home or business from storm events. Firstly, it is important to check that your roof and gutters are regularly cleaned and maintained in order to ensure they are free of any debris which can cause blockages during heavy rain. Secondly, ground water runoff or stormwater runoff should be checked regularly to make sure water is flowing into a proper drainage system they are clear of any obstructions that could cause flood damage. Thirdly, you should inspect the exterior walls, windows, and doors of your property for any cracks or weaknesses which can allow wind driven rain to enter the property. Fourthly, it is best practice to elevate your furniture and other items off the ground if possible as this will help reduce the risk of water damage in case of water seeping into your structure. Fifthly, installing storm shutters and window guards is another great way to ensure storm waters stay out and also prevent objects from being thrown against glass windows during heavy winds. Finally, it is a good idea to create a storm preparedness kit with essential supplies such as flashlights, first aid kits, bottled drinking water, canned food and blankets so that you have everything you need in case you need to evacuate quickly due to storm damage. Taking these proactive steps will help minimize storm damage and ensure that your property remains safe and secure during storm events.
SERVPRO® - Get the professional help to restore your home or business
SERVPRO® provides storm damage restoration services to help restore your home or business after storm damage. Our team of highly trained professionals will assess the storm damage and provide you with a full range of storm damage restoration services including debris removal and structural drying, as well as repairs for roof repairs and leaks, water extraction, air purification and sanitization, mold remediation, paint and cosmetic repairs.
Our technicians understand how overwhelming it can be to experience storm damage so they strive to make the process stress-free while quickly restoring your property back to its pre-storm condition. We have the expertise and technology needed to put you back on track quickly and efficiently so that you can get back to living life without disruption. Our storm damage restoration services are available 24/7 so if you need assistance with storm related issues such as wind-driven rain entering your property or flash flooding, simply call our emergency hotline at 916-966-2601 and we’ll be there right away!
5 Tips to Protect Your Home from Fire Damage During Wildfire Season
How can you protect your home from fire damage during wildfire season?
Unfortunately, wildfire season doesn’t end when summer does; it only ramps up. If you live in an area that has been affected by wildfires in the past or that runs the risk of wildfires year-round, you know how devastating these natural disasters can be to your home and property. How can you protect your home from fire damage during wildfire season?
Here are five tips to protect your home from wildfires
1) Keep your gutters clean
Over time, debris can find its way into your gutters and downspouts. This can create a hazardous situation by increasing your chances of catching fire to your roof. Keep your gutters clean so you’re doing everything you can to protect yourself from wildfires. Stay up-to-date on fire safety updates: When it comes to wildfire prevention, the most important thing is to be aware of what's going on in your area. As soon as there are any changes in air quality or the weather forecast, take the appropriate steps. Be ready for anything: It's important that you have all the resources you need before it's too late.
2) Clean up piles of leaves, branches and other combustible materials
Piles of combustible materials that have accumulated around your home are one of the easiest ways for fires to start. Also, clear out your gutters and make sure they aren’t full of debris. The same goes for your yard; be sure it’s free of trash, leaves and overgrown brush.
3) Clear flammable items away from exterior walls
Wood, leaves, and trash close to your house is highly flammable—and it’s often on fire before you even realize there’s a problem. Be aware of these items and remove them as soon as possible if they are a risk to your home. Ensure that all the vents and outlets in your attic have screens: A fireplace chimney can act like a smokestack and create heavy smoke during fires. Consider installing metal or metal-lined windows: More expensive than traditional windows, metal or metal-lined windows will protect against radiant heat from a wildfire more effectively than regular glass windows.
4) Create a defensible space around your home
There are some things you can do to reduce your home’s fire risk. One of them is creating a defensible space. A defensible space is an area cleared around a structure (usually at least 30 feet wide) that's free of dead wood, low-hanging branches and other combustible materials. By creating a defensible space around your home, it gives firefighters greater access to your house in case there's an emergency, so they'll be able to put out any fires more quickly.
5) Check your insurance policy
Before wildfire season begins, make sure you have an adequate homeowners insurance policy. You may find that your current policy doesn’t have sufficient coverage for damage caused by wildfire. It is important to know what your policy covers and what type of additional coverage you need. Check with your insurer or agent if you have any questions about what is covered and not covered by your current homeowners insurance policy. You may be surprised!
4th of July Fire Safety Tips to Keep Your Home and Family Safe
Many people take the 4th of July as an opportunity to let loose and enjoy the fireworks, it’s important to keep safety in mind while celebrating!
It’s that time of year again! While many people take the 4th of July as an opportunity to let loose and enjoy the fireworks, it’s important to keep safety in mind while celebrating this holiday. As one of the leading fire restoration companies in the country, we at SERVPRO of Citrus Heights/Roseville, and Carmichael want to offer some tips that will help you keep your home and family safe during this exciting time.
The Dangers of Sparklers
First and foremost, let us discuss the infamous sparklers, a kids favorite and usually the start of the festivities. Not many parents realize how dangerous sparklers can be around children. Sparklers are actually classified as fireworks, but because they’re so small, their dangers aren’t well-known. Sparklers burn at more than 1,200 degrees Fahrenheit – more than 700 degrees hotter than your oven! Sparklers should only be used under adult supervision, and never by small children.
Prevent Fireworks-Related Injuries
Although firework safety is a big concern for many people, accidents can still happen. It’s important to be aware of all related risks so you can protect your home and family from injury. Some tips include - Never allow children to play with fireworks unsupervised. - Store fireworks in a cool, dry place away from any structure or flammable materials (including other fireworks). - Only use fireworks outdoors; never shoot them indoors or near any structures. - Read and follow all directions on every product label before using it.
Limit Alcohol Consumption
Alcohol can increase your risk for fire, so be careful with how much you drink at your 4th of July celebrations. In addition, if you’re already intoxicated, don’t go near matches or lighters. Stay in control of your faculties—no matter how tempting it may be to let loose. Safety is so important, especially on this day.
Clean Up Afterwards
When you’re done celebrating, make sure you put your firework debris in a safe place. The EPA recommends collecting fireworks in a bucket of water, making sure they don’t dry out before disposal. Remember that fireworks are made from explosive compounds, so keep them far away from kids and pets! All in all, have a great 4th of July and be safe!
The Dangers of Mold in the Home and How to Remove It
You can contact SERVPRO of Citrus Heights and Roseville / Carmichael. We are here for you for your mold mitigation needs.
Mold, also known as mildew, is a fungus that grows in moist and damp areas of the home, such as basements and bathrooms. It’s invisible to the naked eye, but it produces toxic spores and can be dangerous. If you notice mold growing in your home, it’s important to address the problem right away to ensure the safety of your family and protect your property from permanent damage. Here are some tips on how to remove mold in the home.
Why does mold grow?
Molds grow because they need food, water, and air. Molds spread quickly because they can live on almost any organic material. They are able to grow on: wood, paper, cardboard, cellulose materials such as clothing or carpeting, non-cellulose materials like leather or plastic. In order for mold to grow it needs moisture and a source of food.
Signs and symptoms
Mold can be difficult to spot, but if you know what you’re looking for, it shouldn’t be too hard. If your house has any signs of moisture problems—swelling walls or ceilings, cracked paint, water stains on wood or rust-colored mold growing on surfaces—or a musty smell and feel, you might have mold. Read your home carefully, as areas with little light or air circulation are especially prone to mold growth. Common places include basements, crawl spaces, attics and behind shower curtains.
The importance of dealing with it as soon as possible
Mildew, mold, algae - whatever you call it, it’s not something you want lurking around your home. While mold is a natural substance that can be found almost anywhere, some varieties are toxic and even lethal. Inhaling or touching toxic mold can cause allergic reactions worse.
DIY methods of removing mold yourself
One easy, safe way to remove mold is by using cleaners like Bleach. Mix 1 part bleach with 9 parts water and spray on affected areas. This will help kill off mold spores, but you may want to seek professional advice if you have breathing problems or are pregnant. While you can mix up your own solution at home, bleach may cause discoloration of some types of materials or damage surface treatments; it’s better for small jobs that don’t require precise measurements.
When should you call a professional?
Some mold removal jobs are easy enough for homeowners to tackle on their own, but you should call a professional if you suspect that any mold has made your home unlivable or is creating health problems. If you can see or smell mold, it’s time to call a pro. You can contact SERVPRO of Citrus Heights and Roseville / Carmichael. We are here for you for your mold mitigation needs.
Water Restoration: Steps to Take When Your Bathroom Floods
A restoration company, like SERVPRO of Citrus Heights/Roseville and Carmichael can pull out the walls if needed, remove any mold that has accumulated
It can be devastating to come home and discover that your bathroom has flooded due to a malfunctioning appliance, or because of an issue in the plumbing. While these things happen occasionally, it’s always good to be prepared with the right steps to take when this occurs. In this article, we’ll go over some of the water restoration steps you should take if your bathroom floods, including ones you can take right away and others that should be handled by the professionals.
Before you do anything else, turn off the water
The most common reason for flooding is a clogged drain or toilet. To cut off water flow, first try shutting off any main valves in your home. If that doesn’t work, turn off the main supply valve if you can find it. Otherwise call a plumber as soon as possible.
Once the flooding stops, clean up what you can
While you’re waiting for help, let as much water out of your home as possible. Use towels, rags and other household items to absorb water from carpets, floors and furniture. Be aware that anything with a grain, including wood and fabric, can mold if left wet for too long. As soon as any flooding has been removed from your home or building, work to dry it out completely.
Save any valuable items that may have been damaged
As soon as you realize your bathroom is flooding, remove any items that could be affected by water. This includes toiletries. These can be expensive items if they’re damaged, and there’s no need to risk further damage by leaving them in a flooded room. If it looks like a flood will continue, you may want to consider moving valuable items up higher on cabinets or shelves so they won’t get completely submerged. You may also want to take pictures of your valuables before you move them so that insurance companies have records of what was moved and when it was moved; sometimes photos are necessary for filing claims.
See what caused your plumbing problem
The first step in how to deal with a flooded bathroom is, obviously, identifying what caused your plumbing problem. If it’s due to a burst pipe or leaky faucet, you know you’ll need repairs (and insurance should cover them). But if it’s because you flushed something down your toilet that shouldn’t have been flushed—like a hairbrush or paper towel—you might be able to take care of things on your own.
If there’s been any structural damage, call in a professional contractor
A restoration company, like SERVPRO of Citrus Heights/Roseville and Carmichael can pull out the walls if needed, remove any mold that has accumulated and replace everything so it’s as good as new. If you want to save money on labor costs, you could do some of these tasks yourself (just be sure you know what you’re doing). If there are no structural issues and your bathroom is just wet from a flood or leaky pipes, makes sure you dry it out properly and watch for any mold or mildew.
5 Tips to Protect Your Home From a Fire
5 tips to protect your home from fire
When it comes to residential fires, you don’t want to find yourself unprepared. It only takes one unattended candle or a spark from the fireplace to start one of these fires, and once they get started, they can spread quickly, causing extensive damage to your home and belongings. To avoid finding yourself in this situation, use these five tips to protect your home from fire.
1) Check Smoke Detectors
Smoke detectors save lives and can minimize fire damage. Always check that they are functioning properly—you should do it monthly and after every power outage. If you notice any irregularities with your detector, have it checked by a professional immediately. And always be sure you know where all of your detectors are located so you can react quickly in an emergency.
2) Keep an Exit Plan in Mind
Developing an exit plan for your home will keep you, your family and your pets safe from fire damage. Fire safety experts recommend everyone have a family escape plan at all times; know two ways out of every room in your house and make sure that you’re familiar with them. The last thing you want is to panic in an emergency situation, so spend some time becoming acquainted with your house layout and planning escape routes.
3) Do Not Leave Cooking Unattended
Whether you’re boiling water for tea or cooking dinner, it’s easy to get distracted. Even short periods of inattention can lead to disaster. To keep your home safe from fire damage, keep that stovetop covered and never leave cooking unattended.
4) Keep Matches Away from Children
The leading cause of fire-related injuries in children is igniting matches. Don’t allow children to use lighters or strike matches, even if they appear old and dry. Keep all matches out of sight and away from young kids who might play with them or try using them as toys.
5) Store Lighters and Candles in Safe Places
Keep lighters and candles in locked cabinets or on high shelves, away from children. Be careful with matches—keep them away from children as well. When you’re done using them, put them out completely by dousing with water. If you have a gas stove, don’t light burners with the pan on top—the flame could jump onto your countertop and start a fire. Unplug appliances when they aren’t in use; never leave them running while you sleep.