Recent Why SERVPRO Posts

CPR and AED Awareness Week

6/4/2019 (Permalink)

Why SERVPRO CPR and AED Awareness Week Do you know how to use the emergency equipment in your home or office? Do you know what tools you have on hand?

Every year, from June 1st through June 7th, is National CPR and Automated External Defribrillator (AED) Awareness Week. 

This awareness week was initially established in 2007 by the American Heart Association, the American Red Cross, and the National Safety Council. The idea of the week was to make more people aware of how these instruments can help in bringing life saving assistance to those who need it, as well as educating others in how to utilize this equipment in their homes or offices.

Given our line of work, SERVPRO of Rockwall / Rowlett works alongside many emergency organizations, assisting with restoration, cleanup, and the spreading of awareness beneficial in crisis situations. 

For additional information, or to sign up for a training session in your area, visit heart.org or redcross.org

What Does Homeowners' Insurance Cover for Mold Damage?

5/20/2019 (Permalink)

Why SERVPRO What Does Homeowners' Insurance Cover for Mold Damage? Homeowners' Insurance coverage of mold can be tricky. Do you know what your plan covers?

You should check with your insurance agent as to the specifics of what your personal homeowner's coverage plan provides - this isn't extensive or a guarantee of coverage, just what is most common.

Homeowners' insurance usually covers mold if a "covered peril" caused the mold. In that case, your insurance policy will likely pay for repairs and clean-up.

Here are some of homeowners’ insurance covered perils:

  • Fire
  • Lightning
  • Vandalism or malicious mischief
  • Damage caused by vehicles
  • Theft
  • Falling objects
  • Weight of ice, snow, or sleet
  • Accidental discharge or overflow of water or steam from plumbing, heating, air conditioners, sprinkler systems, or household appliances
  • Frozen pipes

Some real world examples when homeowners’ insurance will likely cover you in the event of a loss:

  • An ice dam forms in a roof gutter during a rough winter, and water backs up under your shingles. The water leaks into your attic, soaks your attic floor and insulation, and creates mold.
  • A pipe bursts in your home and dumps gallons of water on the floor and saturates drywall while you're at work. Mold begins to form before you call.
  • A washer hose springs a leak and damages behind your washer. The washer hose isn't old, you stop the leak, and report the damage immediately, but not before mold forms.

These are "sudden and accidental" incidents. Insurance companies typically cover this type of damage. In fact, non-weather related water damage is one of the most common home insurance claims and one of the most expensive.

SERVPRO of Rockwall/Rowlett has experience working with insurance providers, and can help navigate the mitigation of your home damage with your insurance company.

What Doesn't Homeowners' Insurance Cover for Mold Damage?

5/20/2019 (Permalink)

Why SERVPRO What Doesn't Homeowners' Insurance Cover for Mold Damage? Whether your mold damage is covered by insurance or not, we can help.

{You should check with your insurance agent as to the specifics of what your personal homeowner's coverage plan provides - this isn't extensive or a guarantee of coverage or lack thereof, just what is most common.}

Homeowners' insurance covers mold damage if it was caused by a "covered peril." [See our other blog, "What Does Homeowners' Insurance Cover for Mold Damage?"] Otherwise, an insurance company will likely not cover mold damage. There are exceptions, which we will get into later. Homeowners' insurance policies usually don't cover mold that resulted from a preventable water leak, flooding, or high humidity.

When homeowners’ insurance will likely NOT cover you:

Your basement pipes freeze and burst. You don't notice it for a few weeks. Now, you have a few inches of water on your floor and mold growing. 

Broken shingles on your 40-year-old roof allows water into the attic. Water saturates wood and insulation and leads to mold in the attic.

Mold forms in your shower. You don't think much about it until one day you notice that it's really unsightly and you're concerned about whether it's making your family sick.

In these cases, an insurer will likely not cover the damage. Why? An insurance company expects you to take care of your house. That means properly ventilating the bathroom, replacing an old roof, and checking your basement regularly; An important reason to stay on top of home maintenance.

Also, the standard homeowners' 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. 

A separate flood policy may cover mold and mildew, as long as it’s not caused by the homeowner’s failure to inspect and maintain the property after the flood. That means that, once you can get back into your home, you need to start trying to clean up and keep mold from growing or spreading. 

How do you know if my homeowner insurance policy covers mold?

As mentioned earlier, homeowners’ insurance companies usually don't cover mold damage unless it's directly related to a "covered peril." The good news -- there are exceptions.

Check your homeowner’s insurance policy to see if there is any language about mold claims. Some insurers offer limited coverage for mold claims. This may mean limiting how much the insurer will pay for a mold-related claim. An insurer may increase the cost of a home insurance policy if you have mold-related coverage.

If you don't have mold coverage, you can buy an endorsement to your insurance policy that adds mold coverage. An endorsement is when an insurance company adds additional coverage to a regular home insurance policy, for an additional fee.

SERVPRO of Rockwall/Rowlett has experience working with insurance providers, as well as with individuals. We can help navigate the mitigation of your home mold damage with your insurance company if it's covered, or help you navigate the remediation if it isn't.

Recent Rains Increase Demand for Mold Experts

5/13/2019 (Permalink)

Why SERVPRO Recent Rains Increase Demand for Mold Experts Do you have mold in your home or office? SERVPRO of Rockwall/Rowlett is certified by the State of Texas for mold remediation.

Heavy rainfall amounts have impacted much of Texas recently. Many homes and businesses have been impacted by rising flood waters and leaky roofs.

SERVPRO of Rockwall/Rowlett has been on the scene to quickly handle water mitigation and flood cleanup for those who called us onsite. Some who tried to clean up themselves are now dealing with a much more serious mold issue.

If you suspect mold growth in your home or business, SERVPRO of Rockwall/Rowlett is certified by the State of Texas for Mold Remediation.  
Here are some things to consider:

  1. Do not take for granted any unusual growth. Mold takes on many shapes, forms, and colors.
  2. Try to determine or recall what the source might be. Is it an unknown water leak? Is it from a previous, un-mitigated water damage?
  3. Do some inspecting. Is more than 25 square feet impacted? Call an Industrial Hygienist. All growth over 25sf must be reported to the state and follow protocol before, during, and after remediation.
  4. If you suspect you have mold, call SERVPRO of Rockwall/Rowlett. We can and will help you with any size project, no matter how big or small.

State of the Art Technology Elevates Customer Service

5/13/2019 (Permalink)

Why SERVPRO State of the Art Technology Elevates Customer Service Have an emergency? We're Here to Help.

At SERVPRO of Rockwall/Rowlett, we utilize technology to better serve our customers all over the Dallas/Ft. Worth Metroplex.

From iPads equipped with proprietary apps that allow our crew chiefs to input and analyze data at lightning fast speeds, to iPhones linked to e-mail and GPS, we have reduced response time to losses; and have the capability to get the right amount of equipment placed and running more quickly than ever before. Our mobile digital technology allows our on-site technicians and crew chiefs to share real, live-time data with our office staff. 

Our ability to respond more quickly, process data faster, and start the remediation process of any fire, water, or natural disaster damage at record speed and efficiency boosts the performance of our crews and staff. Because of these advancements, we are able to:

  • save clients money through restoration instead of demo and replacement
  • close insurance claims in record time due to quicker turn around on estimates
  • document and confirm drying reports and send them to all interested parties in a matter of minutes. 

Here at SERVPRO of Rockwall/Rowlett, we are happy to find a balance in leveraging new technology and wireless connectivity to give back our customers their homes and businesses.