Recent Commercial Posts
Personal Protective Gear for Mold Technicians
Our technicians will clean the affected area with professional grade cleaning and sanitizing agents for your comfort and safety.
Protective Gear For Technicians
When mold remediation and cleanup professionals arrive at your Vancouver, WA, property to tackle mold growth, you may be surprised to see how much gear is necessary to protect technicians. Agencies, such as the Occupational Safety and Health Administration and the Environmental Protection Agency have provided recommendations concerning the personal protective equipment of industry technicians. Recommendations are provided for the following gear:
• Foot coverings
Determining PPE Gear
The type of gear is often dependent upon the extent of mold growth. If the extent of growth is minimal, a technician may work with strong gloves, an N-95 respirator, and a pair of protective glasses. If there's wide spread growth, however, the technician may suit up with a disposable full body suit, head gear, foot covers, a full-face respirator with a HEPA filter, and gloves.
Using Containment Equipment
In addition to the equipment used to protect technicians, mold remediation companies may use containment supplies. According to the EPA, there are two types of containment: limited and full. Limited containment is appropriate in areas where contamination is between 10 and 100 square feet. If the exposure area is greater than this, full containment methods are required. The goal of containment is to prevent the further spread of mold. Containment equipment may include
• Exhaust fans
• Polyethylene sheeting
• Sticky-backed paper
• Duct tape and/or epoxy
• Waste containers
Cleaning the Air With Filters
Finally, remediation professionals may use HEPA filters to trap and eliminate mold spores. HEPA stands for high efficiency particulate air, and these filters are great at trapping the microscopic spores. Approved filters can capture at least 99.97 percent of pollutants that measure just 0.3 microns. These filters trap airborne spores and hold them within the filter. When the filter is full, professionals discard them and replace them with new filters.
When mold cleanup and remediation professionals work on commercial properties, they take steps to protect themselves and your property from contamination. With the right protective equipment, containment supplies, and HEPA filters, cleanup technicians are ready to tackle mold growth on your property.
What Does a Commercial Property Insurance Policy Cover?
Commercial storm damage in Vancouver, WA
What Does Commercial Insurance Cover?
Whether your business is big or small, new or old, property insurance is something you need. Despite how far reaching these policies are, there are important things that they don’t cover. Do you know the difference? Learn more about what commercial insurance can cover and how it benefits your Vancouver, WA, business.
Commercial policies are known for covering your building and all its contents, as well as things immediately outside of it. That list is long and can include:
But for all the things they do cover, these policies have many things they don’t cover. Knowing what those are can be important to avoiding complications following a disaster.
Some commercial insurance policies limit coverage of damage caused by things like earthquakes, hurricanes, tornadoes and floods. Policies that do provide such coverage may have limitations, such as not covering outdoor property such as company vehicles or fences. It’s generally worthwhile to check your policy if you’re in a weather disaster-prone area.
Commercial property insurance typically is meant to float a company through a great loss, natural or manmade. But that doesn’t always mean it will cover the costs of cleaning, rebuilding, repairing, and such following the loss. Discuss what is covered and isn’t with regards to mitigation and remediation well in advance of a disaster so you don’t get a rude awakening.
Most policies limit their coverage to items inside the building, but some will cover property up to a certain distance away. This can be critical when it comes to damage of satellite dishes, fences, signs and other outdoor property.
Bills from fire damage or another business catastrophe can be enough to send a commercial property under. But the story doesn’t have to end that way. Learn the ins and outs of commercial insurance policies, and you’ll know what to look for to protect your business.
4 Tips for Preparing Your Building for Spring
Many commercial building owners think that just because temperatures outside get warmer, the potential hazards of winter pass. A spring thaw can easily cause flooding in your building in Fishers Landing East, WA, however, if you are not prepared. Make sure your building is ready from the bottom to the top for those April showers.
1. Basement Preparation
The basement or lowest floor of your building is susceptible to a spring flood as soon as winter snow and ice start melting. In addition to taking the appropriate measures to keep water out, such as having your foundation inspected, you should also complete and check the following items off your list:
• Purchase an automatic sump pump
• Install flood sensors
• Elevate sensitive machinery off the floor
2. Plumbing Protection
A frozen pipe can burst even when it starts warming back up. If the temperature change is too sudden, the pipes may not be able to withstand the contrast. Keep the thermostat in your building set to at least 55 degrees all the time so that your pipes are still kept safe overnight.
3. Roof Inspection
The beginning of spring is a great time to have your roof professionally inspected. Contractors can identify damage and other weak spots, and water restoration specialists can remediate any flooding that occurred during the winter.
4. Drainage Clearing
Falling leaves and twigs that get blown into gutter and downspouts during the winter need to be cleared out before spring rains begin. When a spout is clogged, rain must find another path off the building, and it is usually not the path you would prefer. Clean your drainage system completely so that rainwater has somewhere to go.
When you see ice and snow melting, you know it’s time to prepare your building for warmer weather. Following these tips can help ensure a smooth transition from winter to spring and keep your building from flooding.
Weather and Your Business: Understanding that Flooding May Be the Least of Your Concerns
Water damage in a correctional facility in Camas,WA
Many building owners worry about flood damage, but a flood is not the only problem caused by storms. Storms produce a variety of elements that can be equally unfavorable to a property, and as a property owner or manager, you may want to be aware of each.
1. Water Damage
Floodwaters are only one type of water damage, and it is not the most common. Most damage stems from persistent leaks or holes in your roofline. These issues cause significant loss to occur over time. Leaks can cause sagging of ceilings, rotting out of joists, and even the spread of molds and mildews. Additionally, while not necessarily storm-related, persistent leaks from pipes can cause the pipe to corrode and fail, resulting in a flood.
2. Hail Damage
While flood damage can be a threat, hail damage may pose a more imminent concern. Hail occurs when temperatures allow for rain to develop into large chunks of ice, sometimes resulting in baseball size masses. These pieces of ice can cause significant property damage, from broken windows to holes in your roofline. Inspecting your property after a hail storm should be a top priority.
3. Wind Damage
The most common cause of storm damage is the wind. Wind damage can peel back siding and roofing shingles, and it can launch random debris, like sticks and lawn ornament, making them volatile projectiles. In high wind situations, property managers should keep employees and clients clear of windows.
4. Renovating the Damage
It may be wise for property owners to plan ahead. Some restoration companies in Camas, WA, provide an emergency planning service for businesses. This service may include an initial analysis of your property and a customized plan for restoration and recovery in the event of a disaster.
Flood damage may be a concern as a property owner or manager, but storms can produce hail and high winds that can be equally damaging to property. Granted, water damage is the most common cause of property damage, but even that is not only caused by flooding.
The Risks of Commercial Polybutylene Piping
Air mover on a bathroom leak over the basement in a Vancouver, WA church
If you have an older commercial property, it may have polybutylene pipes. As a staple of late twentieth-century construction, it was widely implemented as a cheaper alternative to traditional piping. This material was later found to have problems with longevity. Your Vancouver, WA, business could be at risk because of this pipe type, and here is what to look for and consider.
Identifying the Pipes
The most widely implemented use for this material was to feed water from a water line into a commercial building. The polymer typically comes in a few colors: white, gray and blue. These pipes are typically located in or around a number of locations:
- Water meters
- Shutoff valves
- Water heaters
If you are unsure of what material your business utilizes, an inspector or plumber may be able to give you a definitive answer. The tubing types often look similar and can easily be misidentified by untrained individuals.
Considering Reasons to Replace
A class action lawsuit in 1995, Cox v. Shell Oil, won in favor of consumers with the conclusion that polybutylene pipes damaged too easily and were not a proper installation. It phased out of the market in the United States following that.
Typical chemicals in the water supply, such as chlorine, deteriorate the interior of the pipe until it breaks. This risks a pipe break leading to costly water damage. Local building codes may even explicitly forbid the polymer piping from being used due to these risks.
Replacing the Pipes
With the knowledge of why the pipes are dangerous, you are likely wondering how to remedy it. You can work out what’s salvageable from your old system with the assistance of a plumber. Most likely, you will be advised to install new plumbing.
Treating a Broken Pipe
If you cannot replace the pipes in the near future, you should plan for potential damage. An expert water damage treatment crew can remove water from the affected areas of your property. Alternatively, updated plumbing and proper maintenance of the system can help prevent repair costs related to any problematic polybutylene.
Mold Problems: At the Intersection of Water and Dirt
Since mold spores are everywhere, you can't always prevent mold growth.
Your commercial property in Vancouver, WA, can easily become a breeding ground for mold growth. Even with regular inspection and maintenance, mold problems can still occur. Excess dust and moisture can linger in hidden places and combine forces to cause a fungal infestation that can only be remedied by mold remediation experts. Here are the top four places mold likes to hide in commercial buildings.
Carpet has many crevices where mold spores can hide and many surfaces to which it is easy for mold to adhere. While you can't prevent all spills and can't always control how well people clean up after themselves when they do spill, you can dehumidify the room by increasing air flow to the area. This can help dry out the carpet and prevent mold growth.
2. Ceiling Tiles
Ceiling tiles are often made of porous material, which allows mold to take root. Watch out for water damage in ceiling tiles and get it fixed as fast as possible. It only takes a day or two for mold to start to grow in places where leaks have occurred. Because the growth usually starts on the side of the tile that is hidden, it can become a big problem before it is noticed.
Walls present the same difficulty that ceiling tiles do. The moisture problem contributing to the mold issue is often inside the wall and thus can become significantly moldy long before it is detected. When this happens, it is best to let remediation experts handle the problem to ensure it is resolved completely.
4. Air Ducts
The dust in air ducts can attract mold spores and give them a place to grow. When coupled with high humidity, the mold problem gets larger. Regular cleaning and maintenance of the HVAC system is necessary to detect or prevent mold problems in the ducts.
Since mold spores are everywhere, you can't always prevent mold growth. You can, however, stop the problem before it gets out of hand if you are vigilant. For more information, visit http://www.SERVPROevancouverclarkco.com/.
A Pipe Broke at My Business, What Now?
As soon as you are aware of bursting pipes causing water damage in Vancouver, WA, it is critical to take immediate action.
When your business has water damage in Vancouver, WA, it can be overwhelming. The amount of loss you incur depends both on how long the bursting pipes are gushing water, and how long before the cleaning process begins. It is important to know what actions to take immediately, such as fix the broken pipe, and what could occur if you do not, including mold and secondary damage.
Steps to Take Immediately
As soon as you become aware of the water problem at your commercial property, there are steps to take to reduce further damage and save money:
• Contact a water restoration service as soon as possible. This type of company will arrange to be on site, typically within four hours.
• After the specialists arrive, the process includes stopping the source of the problem, such as repairing bursting pipes. Then the damage will be assessed, water extracted, premises dried and items restored to prior condition when possible.
• The majority of insurance companies cover loss from water damage. This phone call should be made as soon as time allows.
Problems From Waiting too Long
If the water is left sitting for an extended time, whether you are unaware of the problem or choose not to take immediate action, secondary damage may occur:
• Mold infestation is a serious concern when water is left to sit. Mold can quickly spread, causing further damage to other parts of the building that were not initially impacted by the standing water.
• Standing water may cause irreparable destruction to appliances, electrical systems, foundations, ceilings or walls.
As soon as you are aware of bursting pipes causing water damage in Vancouver, WA, it is critical to take immediate action. Acting right away will allow your business to be up and running as soon as possible. It will also prevent secondary damage and mold from occurring, which could lead to a more time intensive and expensive process. For more information, visit http://www.SERVPROevancouverclarkco.com/.
Commercial Emergency Ready Plan
With SERVPRO on your side you can protect you business from everyday dangers. We have a 24/7 Emergency Response team to be there when it matters most.
The SERVPRO Emergency READY Profile Advantage
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. Pre-planning can serve as an insurance policy aimed at peace of mind. And knowing you are "Ready for whatever happens" speaks trust to your clients and employees that in the event your business is affected by a disaster, they don’t necessarily have to be.
By developing a SERVPRO Emergency READY Profile for your business, you minimize business interruption by having an immediate plan of action. Knowing what to do and what to expect in advance is the key to timely mitigation and can help minimize how water and fire damage can affect your business.
- A no cost assessment of your facility.
This means there is no need to allocate funds, giving you a great value at no cost.
- A concise Profile Document that contains only the critical information needed in the event of an emergency.
It will only take a little time to complete and will not take you away from current projects. But it will save a lot of time if ever needed.
- A guide to help you get back into your building following a disaster.
This can help minimize the amount of time your business is inactive by having an immediate plan of action.
- Establishes your local SERVPRO Franchise Professional as your disaster mitigation and restoration provider.
You have a provider that is recognized as an industry leader and close by.
- Identification of the line of command for authorizing work to begin.
This saves time so we can begin the work of mitigating the damage which can save you time and money.
- Provides facility details such as shut-off valve locations, priority areas and priority contact information.
Having a quick reference of what to do, how to do it and who to call provides solutions in advance of an emergency so that during the emergency you are "Ready for whatever happens."
Contact us today to schedule this complimentary service and protect your business!
5 Tips To Prepare for a Fire
If your commercial building is ever affected by flames, you'll be happy you took the time to prepare.
While you don't expect your Vancouver, WA, commercial building to be affected by fire, it may be a good idea to prepare for the potential disaster. Fire preparation can help you know what to do should a fire break out on your property. Use these tips to prepare.
1. Train Employees: One of your biggest concerns during a fire should be the people inside of your building. Make sure your employees or tenants know how to get out of the building by holding regular fire evacuation trainings. You should post evacuation plans around the property to ensure everyone knows the best way out.
2. Consider Restoration: Part of preparation has to be centered around the potential fire damage your building could sustain. How are you going to take care of roof damage, scorched equipment or structural problems? Finding a trusted fire restoration specialist now can make your repair process much simpler when an emergency hits.
3. Have a Contingency: Depending on what your business does, a fire could shut down your company for a time. Part of your disaster preparation plan may be how you deal with a potential halt of work. You can get insurance to help cover financial losses or rent a temporary workspace to reduce the downtime.
4. Create an Inventory: Your fire preparation plan should also include a list of the equipment, records and property you have in your commercial building. Knowing what's there before a disaster can make creating a loss list for your claim easier. Take pictures of your building, figure out the cost of your equipment and record your inventory.
5. Install Safety Equipment: Smoke alarms, fire sprinklers and other safety equipment can help mitigate the damage done by a fire. Installing these tools before a disaster is often a good idea.
Fire preparation might be the last thing on your mind. However, if your commercial building is ever affected by flames, you'll be happy you took the time to prepare. For more information, visit http://www.SERVPROevancouverclarkco.com/.
Red Cross in Urgent Need of Blood
Red Cross infographic
The American Red Cross urgently needs blood donors. Eligible blood donors of all types are needed, especially those with O, AB, B negative and A negative.
Blood is needed to respond to emergencies large and small across the country everyday.
Blood supplies are urgently needed now and throughout the winter to maintain sufficient blood supply for many patients in need.
Make an appointment today to donate blood by downloading the free Red Cross Blood Donor App,(http://www.redcross.org/bloodapp), visiting(http://redcrossblood.org), or calling 1800-RED CROSS(1800.733.2767)
Also, please consider becoming a volunteer for the American Red Cross. Lot's of assistance is needed in teaching the word of "Disaster Preparedness" in schools and businesses. All the training needed is provided by the American Red Cross at no expense to the volunteer.
For further questions, please contact the local chapter of the American Red Cross or SERVPRO of E. Vancouver/Clark Co. @ 360-254-0049
Cold Weather - Another Cause of Flooding in Buildings
When you think of flooding in commercial buildings, your mind may turn to heavy rains.
Downpours are a common cause of water damage in buildings. However, rain flooding isn't the only cause of indoor floods in Vancouver, WA. Cold weather can lead to standing water on your property due to a burst pipe.
Why Pipes Freeze
Pipes often freeze when the weather gets extremely cold. Not all plumbing that transports water has the same risk of freezing. Some piping may freeze more often:
- Uninsulated plumbing in exterior walls
- Outdoor sprinkler lines
- Pipes in unheated spaces, like garages, attics or basements
- Exterior hose bibs
These particular pipes often aren't heated, so when the cold weather strikes, the water within freezes. The freezing action causes the water within to expand, which is why some plumbing may burst open.
What to Do If Pipes Freeze
A frozen pipe does not necessarily have to turn into a burst pipe. If you catch the problem early enough, you may be able to thaw the water before it becomes a problem.
First, open a faucet to give the thawed water somewhere to go. Next, locate the frozen stretch by looking at the suspects listed above. Finally, apply warmth to the pipe using a hair dryer, towel soaked in warm water or another soothing form of heat. If a pipe does burst, you may need to call in a water restoration expert for help taking care of the water damage.
How to Avoid Frozen Pipes
Because no one wants to deal with flooding in his or her business, you may want to take some precautionary steps. You can keep a trickle of water running through faucets or spigots because running water can help stave off freezing. Keep the heat on in the building even if no one will be using it for a while.
You can't always stop storm damages from taking place in your commercial building. If you're unable to stop a burst pipe from happening to you, you at least know who to call for help.
What To Do When your Business Encounters Extreme Damage
Remain positive and hopeful because SERVPRO of E. Vancouver is here to help 24 hours a day, 365 days a year! 360-254-0049
Natural disasters can cause significant and costly damages to homes, roads and, of course, local businesses. While you should always be prepared for such events, by maintaining adequate insurance coverage and secure file backups, you sometimes get little warning before disaster strikes. And if something happens, you'll want to get your business back up and running as quickly as possible.
Unfortunately, the road to recovery isn't always easy. A previous Business News Daily article about recovery from 2012's Superstorm Sandy reported that just 25 percent of small businesses had backups of critical programs and data before the storm, and even fewer (20 percent) said they had protected their buildings from the storm or prepared emergency survival kits.
Execute your business continuity plan
Your business continuity plan should prepare you for major disaster scenarios, such as the loss or unavailability of IT systems, key people or a facility third party. Make sure key personnel will have access to the plan on secured mobile devices immediately after a disaster.
Don't have a business continuity plan? This Business News Daily guideoutlines how to create one.
Check your backed-up data
You should have already backed up and safely stored your most critical data: your business license, major contracts and legal documents, tax returns and financial statements, and other critical business and customer documents. Following a disaster, make sure your vital records are still securely accessible from the devices you're using.
Communicate with your employees and external parties
Leverage your website, social media channels and text messaging to reach your employees, customers, partners and vendors. Reassure your customers that you're still in business, while making sure that no communications will inadvertently create legal liability or adversely affect service-level agreements.
Contact your insurance company
Once you and your employees are safe and accounted for after a disaster, survey the damage. Contact your insurance company to file a claim. You should always do an occasional check-up to ensure you have adequate coverage for major disaster types, including cybersecurity insurance. Office break-ins and vandalism may occur during a disaster, and if someone steals computer equipment or paper documents containing personally identifiable information, and the information was not encrypted, you may have a legal requirement to notify your customers. To be safe, encrypt your customer data, digitize paper documents and store all critical data in a secure, cloud-based document-management system.
If your insurance doesn't cover the full cost of the damage, you may be eligible for a disaster loan from the Small Business Administration of up to $2 million. The SBA may even provide working capital loans, even if you didn't have any property damage.
Remain positive and hopeful because SERVPRO of E. Vancouver is here to help 24 hours a day, 365 days a year!
Source: Business News Daily
SERVPRO of E. Vancouver / Clark Co. Professionals wish you a safe and happy summer!
Celebrate Summer Safety
Summer is a time to enjoy the great outdoors, but it is also important to keep safety in mind. Consider the following tips, provided by the National Fire Protection Association, to keep you and your family safe all summer long.
- When using a charcoal grill, only use starter fluids designed for barbecue grills; do not add fluid after coals have been lit.
- When using a gas grill, ensure the hose connection is tight; check hoses for leaks. Applying soapy water to the hoses will easily and safely reveal any leaks.
- When camping, always use a flame-retardant tent and set up camp far away from the campfire.
- Always build a campfire downwind from the tent area. Clear vegetation and dig a pit before building your fire. Extinguish the fire before going to sleep or leaving the campsite.
- Store liquid fire starter (not gasoline) away from your tent and campfire and only use dry kindling to freshen a campfire.
SERVPRO of E. Vancouver / Clark Co. Professionals wish you a safe and happy summer!
7 Little-Known Benefits of Renters Insurance
Contact a local insurance agent today to talk about adding renters insurance to your policy!
Owning a home is still the American dream for many, but renting has benefits — you don’t have to pay for building upkeep, risk getting underwater on a mortgage or be stuck in one place for too long.
But you still need to think about financially protecting yourself and your stuff. Renters insurance is the way to do that.
With the U.S. homeownership rate at its lowest point in 51 years, more American households need renters insurance. Yet only 40% of renters have policies, versus 95% of homeowners who have home insurance, the Insurance Information Institute says.
Why buy renters insurance
Your landlord’s property insurance won’t help you if disaster strikes. It covers the structure, but not any of your things. Renters insurance covers your belongings from all the possible bad events that are listed in the policy, such as fire, smoke, water damage, windstorms, lightning, theft and vandalism.
Even if you don’t think your stuff is worth that much, renters insurance is a good idea. The cost of replacing just a basic wardrobe and only a few pieces of furniture adds up quickly.
Plus renters insurance covers more than your personal belongings at home. Here are seven other things a policy covers:
- HOTEL COSTS AFTER A DISASTER
You don’t have to couch surf while your apartment is undergoing repair after a disaster like a fire. Renters insurance includes “additional living expenses” coverage if your place becomes uninhabitable after a disaster and you need to find somewhere else to live temporarily. The coverage would reimburse you for extra expenses, such as the cost to stay in a hotel or rent another apartment.
- MEDICAL EXPENSES FOR INJURED GUESTS
If a visitor is injured at your apartment, renters insurance would pay the medical bills up to the policy’s limit. A typical policy includes $1,000 to $5,000 worth of medical coverage, according to the Insurance Information Institute.
- DAMAGE YOUR KID CAUSES OTHERS
Renters insurance provides liability insurance to cover injuries or property damage you and your family members cause others. So if your kid breaks a neighbor’s rare antique vase, your policy could pay to replace it.
- LEGAL COSTS IF YOU’RE SUED
If someone gets injured in your apartment or you accidentally hurt somebody and are sued, the liability coverage on a renters policy would pay your legal costs and court awards, up to the policy’s limit. You choose the amount of liability insurance when you buy a renters policy. Limits usually start around $100,000.
- DOG BITES
Most renters insurance policies provide coverage if your dog bites someone, either at your home or off the property. Check the policy, though. Occasionally insurers exclude or limit coverage for dogs.
- STUFF YOU’VE RENTED OR BORROWED
A renters insurance policy covers things “in your possession,” the Insurance Information Institute says. That means property you own or that you borrowed or rented.
- BELONGINGS AWAY FROM HOME
Your things are covered away from home, too, for the perils listed on the policy. So you’re covered if a thief steals stuff out of your car or swipes your luggage from a hotel room. This “off-premises” coverage is usually limited to a portion of your total coverage for personal belongings, such as 10%.
Have Questions? Call Today – (360) 254-0049
Your commercial property’s appearance speaks volumes to your clients. So when the need arises for professional cleaning or emergency restoration services, SERVPRO of E. Vancouver / Clark Co. has the training and expertise to help make it “Like it never even happened.”
Commercial Building Restoration Services
SERVPRO of E. Vancouver / Clark Co. responds quickly to your Vancouver fire, water, or mold damage emergency, 24 hours a day. Whether the damage occurs in a small business building or a big box store, we have the training, experience, and equipment to handle the situation. Our national network of 1,700 Franchises gives us access to personnel and resources to respond to any size restoration emergency. Learn more about our commercial restoration services:
Commercial Building Cleaning Services
SERVPRO of E. Vancouver / Clark Co. offers professional cleaning and preventative maintenance for your carpet and upholstery that keeps your property looking its best. Our cleaning system offers a number of specialized cleaning options to match your needs. Whether your business needs a deep cleaning or a persistent odor removed, you can trust SERVPRO of E. Vancouver / Clark Co.. Learn more about our commercial cleaning services:
SERVPRO's Disaster Recovery Team
Should a storm or major event strike, call (360) 254-0049
No Job Is Too Large
The SERVPRO Commercial Large Loss Division is composed of our best of the best in restoration. Our elite large-loss specialists are prequalified and strategically positioned throughout the United States to handle any size disaster.
Every large loss is supervised by a commercial operations manager to help ensure seamless communication and timely mitigation.
At SERVPRO, the difference is our ability to dispatch trained production professionals and cut costs through the strategic placement and oversight of temporary labor. Get the professionals, call SERVPRO.
Clients for the Commercial Large Loss program include the following:
- The Hospitality Industry
- Property Managers
- The Pentagon
Catastrophic Storm and Major Event Response
The SERVPRO Disaster Recovery Team can provide help whether you're dealing with a tornado, hurricane, blizzard or flood. The SERVPRO System has a network of strategically positioned storm teams on standby should a disaster strike near you. Available 24 hours a day and 365 days a year, we are prepared for the unpredictable.
With the ability to mobilize local command centers, along with the resources of more than 1,700 Franchises nationwide, no disaster is too big. Recent mobilizations of the Catastrophic Storm Response Teams include:
- 2014 Polar Vortex
- 2012 Sandy
- 2010 Nashville floods
- 2008 Ike
- 2007 Chicago floods
- 2007 Ohio floods
- 2007 California wildfires
- 2005 Katrina/Wilma/Rita
Why Having Renters Insurance Is a MUST
Home disasters are hard enough already, you don't have to go through this alone, we are here to help 24/7!
One of the most common mistakes that tenants make is assuming that their landlord’s insurance will cover their belongings in the event of loss or damage. In addition, tenants may think that renters’ insurance is too expensive. However, the common myths associated with renters’ insurance that keep tenants from purchasing it can end up costing much more in the long run.
Importance of Renters’ Insurance
It’s imperative to always read the fine print in your lease. You may assume that your landlord is liable for damages caused by leaky roofs or broken appliances, but there could be a clause in your lease that negates landlord liability, such as for theft, or injuries to a guest visiting your apartment. Also, your lease may require you to obtain renters’ insurance, especially if you live in an expensive apartment. Regardless of whether or not it’s required, here are some common situations when renters’ insurance can really come in handy. According to Effective Coverage renters insurance in Washington costs around $15.00 a month for most people. That's basic coverage of $10,000 of personal property and $100,000 of liability. "Only 37 percent of renters have renters insurance whereas 95 percent of homeowners have a homeowners insurance policy, according to a 2014 I.I.I. poll conducted by ORC International." - Insurance Information Institute
If your rental home and property is damaged because of a natural disaster, such as wildfire, hail, or tornado, the landlord may or may not repair the home damages, but your personal property usually isn’t covered. Renters’ insurance will protect you in the event that a natural disaster occurs, but keep in mind that a few natural disaster coverage options are considered “riders,” which means they are add-on coverage, such as earthquakes, volcanic eruptions, floods, and hurricanes.
Unnatural Fires of Short-Circuit Damage
Fires due to electrical issues and short circuit damage may or may not be covered by your landlord. In most cases, it will depend upon the fine print in your lease. If it’s not covered by your landlord, you’ll be liable for smoke and fire damage not only to your own belongings, but to the property as well. If you live in a multi-dwelling building and the fire spreads to other tenants’ apartments, you could be liable for damages to their belongings as well any property damage to their dwelling.
For questions regarding renters insurance, or to schedule an inspection contact SERVPRO of E. Vancouver Clark Co. @ (360) 254-0049