To Claim or Not to Claim: THAT is the Question!
When faced with a water damage situation, either at home or commercially, one of the first questions to ask yourself is “Should I file a claim?” There are a number of reasons why this is an important factor to consider once you have the mitigation (cleanup) portion under control.
Of course, the first step with any water loss is to get help immediately to stop the source of the leak, BEFORE you mitigate the loss (get it cleaned up)! Call a team like SERVPRO OF SAN LUIS OBISPO and ATASCADERO even if the water is still flowing—we help get the source stopped/shut off until repairs can be completed to prevent further damage.
By not acting fast, secondary damage can result in mold issues which may or may not be covered by your insurance policy. In California, there are restrictions as to how much coverage will be offered for mold remediation. So regardless as to whether or not you decide to file a claim, it’s still of vital importance that you act fast. In fact, your insurance company might even try to use your lack of action against you and try to deny the claim because you waited too long & inadvertently caused more damage than otherwise would have been the case. So always pick up the phone and call a team like SERVPRO OF SAN LUIS OBISPO and ATASCADERO right away.
Once the leak is stopped, it’s time to mitigate the loss and then evaluate the situation to determine if it’s actually worth it to file a claim with your insurance carrier. In many cases, smaller water damage losses can and should be paid out of pocket to save you money in the long run. Unless it’s very obvious that the claim is going to be a huge bill due to extensive damage, always take the time to weigh the pros & cons before you commit to filing a claim.
Don’t worry about having the work done before you call your carrier—they were going to tell you to get the work done ASAP anyway, and it’s YOUR CHOICE as the insured as to which vendor you choose to do the work.
First, request an estimate from the mitigation team—they should be able to give you some kind of ballpark dollar amount which you can use to weigh against your deductible as well as your total annual premium cost. Then, you’ll want to consider how much your premium cost stands to rise based on this new claim—you’ll want to contact your insurance agent who sold you the policy to discuss this with him/her. (Don’t bother trying to discuss this with an insurance adjuster, because they won’t be able to discuss premium rates with you).
In a nutshell, you need to try & calculate the cost for the loss to be cleaned up and repaired, versus your deductible and current/projected insurance premium. If it’s going to cost you less in the long run to just pay out of pocket, you’re better off not filing a claim. This is where the conversation with your agent comes into play—they can tell you how much your rates could be affected if you file a claim and show you on paper just how much money you stand to save over the course of time. This is largely dependent on the magnitude of the loss—if it’s obviously a huge water loss with extensive damage to the property, then filing a claim is the obvious choice. It’s the smaller incidents that might not prove worthy of filing a claim, because in the long run you might end up paying more in increased premiums than if you had just paid for the mitigation & repairs yourself. You’d be surprised how many people don’t stop for a moment & consider all these factors before picking up the phone and filing a claim.
Water damage losses, particularly in California, are the most common type of claim filed by homeowners. & They can get quite expensive depending on the severity of the loss. Insurance carriers have reacted to this trend by implementing new policies & lobbying for new laws by which YOU as the insured, carry a higher burden than you might expect: the claim can not only raise your rates for as long as you own the property, but depending on the insurance company, the claim could follow you even if/when you sell the property and buy a different property. Yes, you read that correctly: your premiums might be affected by a water loss at a different property than the one at which you filed the claim. A simple analogy would be that it can be much like getting a speeding ticket: the ticket affects your car insurance rates, and selling your car & buying a different one won’t make that speeding ticket go away. THIS is why it’s so important to take a moment to consider the long-term effects vs. the short-term gain. Ask yourself: “Should I file a claim?”
REMEMBER: regardless of whether or not you file a claim, keep in mind that you’re still going to have to get the work done by a professional reputable water mitigation team. SERVPRO OF SAN LUIS OBISPO and ATASCADERO is available 24/7 to respond to your needs from SLO to San Simeon and everywhere in-between, including (but not limited to): Paso Robles, San Ardo, Cambria, Morro Bay, Cayucos, Los Osos, Templeton, Santa Margarita…and more!
We hope this helps. We offer services ranging from water damage mitigation to mold remediation to fire/smoke damage. If you have any questions, comments, concerns, or are in need of immediate assistance at your home or place of business, call SERVPRO OF SAN LUIS OBISPO and ATASCADERO—we’ll be happy to assist.
Water and Mold Damage Restoration Specialists Release Report on How To Prevent Mold Growth
SERVPRO has released a report on the six steps to help prevent the growth of mold after water damage has occurred after serving local clients with their Paso Robles water and mold damage needs. To view the report, click here (link) or see below.
14,000 people daily are affected by water damage. It is important to know how to eliminate conditions in which mold may grow and infest the home to help prevent the growth of molds.
All homeowners who have recently experienced water damage should be concerned about mold, as it can grow rapidly. Worse yet, it doesn’t take much water for it grow and it can be much deadlier than expected. The sooner an infestation is taken care of, the better.
Here are six tips to help reduce the likelihood of mold growth:
Remove the water as quickly as possible.
Use a wet or dry vacuum to soak up as much water as possible. This limits the possibility for the mold to grow.
Use fans to dry the floors and carpets faster.
It may take several days for fans to completely dry water damage. Leave them on constantly for at least a few weeks to help circulate cool and fresh air as well as speed up the drying process.
Dehumidify the affected room.
Mold grows in moist, warm and dark areas. Dehumidifying the room helps cool the air and limit mold and mildew growth. Any equipment you can use to dry the air and ground will be useful in mold prevention.
Steam-clean your carpet.
Steam-clean any and all carpets to properly sanitize and wipe out any spores which may have started growing. Any water-damaged carpet padding may need to be replaced, but is still much cheaper than having to entirely re-carpet the house.
Sanitize walls and baseboards.
Anything that has been touched by storm water should immediately be sanitized. Clean any hardwood floors, walls, or other surfaces with soap, water, chlorine, and bleach to minimize mold growth.
Lastly, check affected furniture for any signs of mold growth that may have begun
Check all furniture for water damage, and remove the furniture from wet flooring. Water damage may hide itself under carpets or rugs, so be sure to thoroughly inspect the home.
Even following the above steps, it is likely that a mold infestation may still be present in the home. If any visible signs of mold are noticed, then an infestation/colonization has occurred. For any extensive mold damage situations, it is best to call in the professionals, such as SERVPRO, a company that has, in the past, provided Paso Robles water damage restoration.
Water damage and mold remediation solutions
SERVPRO is the leading company in fire damage, and mold remediation areas. They are constantly investing in the latest training for mold remediation so that they can meet any customer service needs to quickly and professionally make it “Like it never happened.” When disaster strikes, call SERVPRO at (805) 239-0466
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SERVPRO Water Damage Specialists release report on common water damage scenarios
14,000 people in the U.S. experience a water damage emergency at either home or work daily. After helping clients with Los Osos water damage restoration, SERVPRO has issued a report on common scenarios in which water damage occurs.
The most common cause of home insurance claims is water damage. In the event of an unforeseen problem caused by water damage such as busted or frozen pipes or hoses, home insurance will generally cover the fee of home repairs and repairs to the hose or pipes. The following are the most common scenarios in which you are likely to experience potential water damage:
- The temperature falls below freezing, resulting in the water pipes bursting
Homeowners are likely covered for the damage caused by the burst pipes. However, if the home was left unoccupied and unheated, the insurance claim may be denied.
- The swimming pool has a leak, and it floods the backyard and into the basement.
Any damage to the structure of the home’s basement will be covered, however the soiled contents are not. Lawn damage will generally be covered as well when caused by certain events, but usually not in the event of a swimming pool leak on a standard homeowners’ insurance policy.
- The washing machine overflows.
Depending on how well the washer was maintained, the homeowner may receive some coverage for the damage caused. Damage to the foundation of the basement will be covered, regardless.
- A local sewer backs up and floods the basement. Seepage from the ground damages the home’s foundation and interior.
Unfortunately, these types of accidents (sewers and drain backup) are generally not covered by most policies. Seepage is also considered a maintenance problem, and therefore is not covered by most homeowners’ policies.
- A heavy storm strikes, and the weight of the water begins to cause a leak, the roof and some home furniture are damaged.
Again, roof leaks, unfortunately, are considered maintenance problems and will not be covered by most policies, nor will the damage to furniture. Any damage to the home, on the other hand, will be covered.
Los Osos water damage solutions
Based in San Luis Obispo, SERVPRO has also offered services to customers experiencing difficulties with Los Osos water damage, fire damage, and mold infestations. They are available 24/7 to take care of any emergency restoration needs that you may have in the most timely and professional way possible. They give it their all to make it “Like it never happened.” Give them a call at (805) 528-2289.
The water damage restoration process
SERVPRO has a six-step restoration process that all clients are brought through. This process assures that the home or office is always restored to a clean, sanitary state as quickly and as efficiently as possible. San Luis Obispo water damage restoration clients have had this six-step process applied to their water damage disasters.
The six-step process is:
1) Initial contact
SERVPRO is proud to offer 24-hour emergency response. Here at SERVPRO, we understand that, when dealing with water damage emergencies, every minute counts. When you call, the SERVPRO representative will ask specific questions regarding your particular water damage emergency.
2) Inspection and assessment
The restoration process will officially begin with a detailed assessment of the damage by a SERVPRO professional. There are different classification levels of contamination that will determine what steps are required to complete the restoration.
3) Water extraction/removal
The water extraction process will remove the majority of the water from the home of office. If extensive restoration is needed, SERVPRO can conduct a “move out” to safely and efficiently move out belongings. SERVPRO professionals will inspect and determine if carpet or carpet padding will need to be replaced.
After the water removal process, floors and walls will need to be dried and dehumidified fully to prevent warping or potential mold damage. Using specialized equipment, SERVPRO professionals will remove the last trace amounts of moisture in the home or office.
After extracting the water and fully drying the surfaces, SERVPRO professionals will clean the surfaces as well as belongings like furniture and personal items that may have been damaged by the water. Servrpo professionals will also deodorize with industrial scrubbers and fogging equipment.
The final step in the process is restoration, which may include things like minor repair to drywall, installing new carpet, or other reconstruction.
SERVPRO is based in San Luis Obispo, but has provided services to clients for San Luis Obispo water damage restoration in the past. SERVPRO’s professional water damage restoration experts have been trained to strict industry standards, and use state of the art industrial equipment. It’s SERVPRO’s goal to make it seem, “Like it never happened.”
Call SERVPRO water damage specialists today at (805) 528-2289.
SERVPRO® Pledges Ongoing Support to the American Red Cross Disaster
American Red Cross
Red Cross recognizes SERVPRO for their contribution to disaster
preparedness and recovery efforts.
San Luis Obispo, CA (Grassroots Newswire) June 1, 2016 -- The American Red Cross recently recognized SERVPRO®, a cleanup and restoration company, for participation in its Disaster Responder Program1. As a Disaster Responder Program member, SERVPRO pledges a donation to the Red Cross in advance of disasters, allowing the organization to respond quickly and effectively to nearly 66,000 disasters annually, most of which are home fires. SERVPRO is entering their third year of partnership with the Red Cross; their donations to the organization to date exceed one million dollars.
According to statistics cited by the Red Cross, seven people die in a home fire each day in the U.S. Aiming to reduce deaths and injuries caused by home fires by 25 percent by the end of 2019, the Red Cross launched a Home Fire Campaign in October of 2014. The support of SERVPRO and other Disaster Responder Program members allows the Red Cross to pursue their home fire prevention goals while they continue to provide critical services to disaster victims.
One of the reasons home fires account for the majority of the disasters the Red Cross responds to annually is that the risk for home fires exists all year long, said Joseph Powers, owner of SERVPRO of San Luis Obispo. Statistics compiled by the National Fire Protection Association (NFPA)2 show the majority of home fires are related to unattended cooking accidents and cooking is something most people do every day.
Although SERVPRO's business is helping business and home owners recover from fire, flood and other disasters, the company and its franchisees actively support disaster preparedness education, including fire prevention efforts. When disaster does strike, their relationships with major insurance companies combined with industry-leading job-management technology help smooth the path to rebuilding and restoration for home and business owners affected by the unexpected.
SERVPRO's commitment to the Red Cross Disaster Responder Program means that, when disaster strikes, homeowners can count on the Red Cross to address their immediate needs and supply essential services, said Powers.
Once the immediate emergency is under control, homeowners can count on the expertise of restoration specialists at SERVPRO of San Luis Obispo to help them restore their property and move forward with their lives.
For fire prevention tips and information about fire and water damage restoration services, please visit www.SERVPRO.com. For more information on SERVPRO® of San Luis Obispo, please contact Joseph Powers at (805) 541-1271 or office@SERVPROsanluisobispo.com.
Founded in 1967, the SERVPRO® Franchise System is a leader and provider of fire and water cleanup and restoration services, and mold mitigation and remediation. SERVPRO's professional services network of more than 1,700 individually owned and operated Franchises responds to property damage emergencies ranging from small individual disasters to multi-million dollar large-loss events. Providing coverage in the United States and
Canada, the SERVPRO® System has established relationships with major insurance companies and commercial clients, as well as individual homeowners.
Common Mold Misconceptions
Mold is always present. Molds and mildews are very common indoors and out, and spores in the air can quickly latch on and begin to grow on any surface where there is moisture. Most people hold many misconceptions about mold and the best tactics on how to keep their home healthy and clean. Here are some of the most common mold misconceptions:
1) Mold is safe to clean myself
No matter what type the mold is, it is always important to take all precautionary measures in order to prevent exposure. Because mold releases spores, the cleaning process can increase the amount of spores in the air exponentially. It is best to hire restoration professionals that are trained in mold removal and damage repair. SERVPRO has helped clients with Los Osos water damage restoration, ensuring that all of the hazardous materials are properly disposed of.
2) Black mold is “toxic” mold
Technically, no mold is “toxic.” Some molds are toxigenic, which means that they can create toxins, but mold itself is not poisonous. Many molds, however, and any large colony of mold can produce enough spores to create unhealthy conditions, especially to asthma or allergy sufferers. Stachybotrys is the black strain of mold that is most commonly associated with adverse reactions.
3) This mold isn’t black mold, so it isn’t harmful
The color of mold does not always indicate its toxicity. Mold can colonize in various colors such as brown, green, white and yellow as well as black. Any significant colony of mold can create increased levels of spores present in the air. Stachybotrys mold can be hazardous, but there are also other species of mold such as Alternaria, Aspergillus, Fusarium and Penicillium, that can be unhealthy as well if the colonization is extensive.
4) I’ve cleaned with bleach, so the problem is fixed
If the mold has begun to colonize in a porous material such as paper, drywall or wood, then surface cleaning with a watered down bleach solution is not always an effective solution. SERVPRO professionals will take the steps to address more extensive mold problems as they have done for Los Osos water damage restoration clients in the past.
24/7 emergency service
SERVPRO: A company you can rely on
Providing water and fire damage restoration services since 1967, we know what it’s like to suffer from the inconveniences that fire, water, and mold can cause. We have your fire and mold repair needs under control! We are a company you can trust to be efficient in doing what you’re paying us for, whether its mold remediation, fire damage restoration, water damage restoration, or storm and flood damage, we do it all!
Providing 24/7 emergency service
We deliver service all over the county, from Shandon to SLO, and we’re readily available 24/7 to serve all your emergency needs, whether it’s a fire or a flood, there’s nothing we can’t take care of.
We have offered Paso Robles fire and mold repair, but we can also restore damage caused by biohazards, rodent infestations, storms, natural disasters, and even floods. With our access to special disaster recovery teams strategically placed throughout the county for optimal response time, we can respond to disasters as fast as you may need us to restore your property and make it “Like it never happened.”
Our staff is highly skilled to suit any and all property damage restoration needs. We are constantly investing in advanced training methods and techniques to stay up-to-date on the latest advancements in mold remediation and fire damage restoration so we’re always at the top of our game!
We’re highly-trained in all areas of damage control, both commercial and residential, to supply you with the best restoration services in the county, whenever and wherever you need us. While we’re doing our job, you can rest easily knowing that the problem has now been placed in the hands of our highly qualified staff.
We even offer cleanup services!
Every hour you spend cleaning is an hour of productivity and revenue lost. In the time you spent cleaning up, you could have been running your business! At SERVPRO, in addition to restoration, we also offer cleanup and inspection services. Whether it be carpet or upholstery cleaning, construction cleanup, sewage cleanup, biohazard cleanup, trauma scene cleanup, rodent infestation cleanup, or even something as simple as mold remediation, let us take care of all of your Paso Robles fire and mold repair needs.
For a helping hand you can trust, call SERVPRO fire and mold repair experts today at (805) 239-0466. SERVPRO is based in Atascadero and has provided services for clients in all of North County including Paso Robles.
What can SERVPRO do for you?
SERVPRO has previously offered Los Osos fire and mold repair service in San Luis Obispo County. Any damage restoration services you may need, we’ve got it taken care of. You can always trust us to be 100-percent efficient in any of our many services, whether they are commercial or residential.
We’ve provided the Central Coast with the best restoration and repair services since 1967 and to this date we’re still the best choice for damage restoration in the county.
We know the stress fire damage, heavy storms, and mold can put on your residence or business and we’re here to make sure you don’t have to deal with the tedious tasks that follow. Every hour you spend cleaning up is an hour of productivity lost, so why not hire the best guys that are readily equipped for the job? We are constantly investing in the most advanced fire and mold training methods and techniques to make sure we stay up-to-date on the latest stuff so we can truly provide you with the best fire and mold damage repair services.
Is that all?
Not only do we offer fire, water, and storm damage restoration, but we also offer cleanup and emergency services too! Rodent infestations? Not an issue at all, we can take care of that as well! But what about biohazards, you might ask, can SERVPRO do that too? Our answer is “of course!” We’re highly trained in all areas of damage restoration and cleanup.
We even have access to strategically placed special disaster recovery teams throughout the country to provide you with 24-hour service and the fastest response time in the event of an emergency. Our goal is to respond as quickly as possible to your area of need and make it “Like it never happened.” With our team of highly skilled specialists, you can rest easy knowing that SERVPRO has your back against whatever natural disasters may occur.
What are you waiting for? Call SERVPRO today!
We’re a friendly company and we’re eager to help new customers. Our joy comes from seeing the smiling faces of our customers. SERVPRO is based in San Luis Obispo, but has provided Los Osos water damage restoration services in the past.
Call fire and mold damage restoration specialists today at (805) 528-2289.
SERVPRO releases report on water damage and mold
– Mold is a common problem that many people struggle with. In fact, according to fire and water cleanup restoration specialists SERVPRO' s corporate site, mold is present "almost everywhere," and given the right conditions, such as a leaky roof or pipe, can spread throughout a property in as little as 24-48 hours.
SERVPRO has worked with clients struggling with Los Osos water damage that results in mold is particularly common because of yearround damp conditions due to the proximity of Los Osos to the ocean, which creates fog and more moisture in the air.
"It's really a problem everywhere, both indoors and out," said Joe Powers, the owner of San Luis Obispo SERVPRO.
Upper respiratory problems
According to the Center for Disease Control and Prevention or CDC, in 2004, the Institute of Medicine or IOM determined that mold could cause upper-respiratory problems such as infections, coughing and wheezing.
For those that have asthma, the presence of mold can make symptoms worse. According to the CDC, recent studies have even been pointing to evidence that mold can be linked to the development of asthma in healthy children.
How does mold get into my house?
Mold can occur both outdoors and indoors. "Mold can come into your house in a variety of ways," Powers said, such as windows, doorways, ventilation, heating, and air conditioning systems. Spores can also attach themselves to clothing and animals.
"The problem really develops when there is excessive moisture, which is often associated with water damage from leaks and floods," he said. "Mold spores drop on places where there is lots of moisture, such as water damaged roofs, walls, or anywhere there has been flooding, and then start to grow."
Things like ceiling tiles, wood, dust, insulation materials, wallpaper, paints, drywall, fabric, carpet, and upholstery, all support mold growth by providing suitable nutrients.
Los Osos water damage solutions
San Luis Obispo SERVPRO has offered service for Los Osos customers that are experiencing issues with water damage or mold. Their number one goal is to return the damaged property to its original condition as quickly and as professionally as possible. Their motto is, "Like it never happened." SERVPRO also helps to restore structures with damage caused by fire and other disasters. They are available 24 hours a day, seven days a week. Call today at (805) 541-1271, or visit their website at SERVPROsanluisobispo.com.
SERVPRO of San Luis Obispo
P.O. Box 1794
San Luis Obispo, CA 93406
Press release by San Luis Obispo SEO company Access Publishing, 806 9th Street, #2D,
Paso Robles, CA 93446 (805) 226-9890.
SERVPRO® Celebrates 6th Consecutive Year on Entrepreneur's Top 10 Franchise List
Cleanup and restoration franchisor stands strong in the #7 position in the 2015 Franchise 500 rankings.
Water Damage San Luis Obispo
San Luis Obispo, CA
January 21, 2015 – SERVPRO®, a
cleanup and restoration franchise company, maintains its hold on the No. 7 spot overall, out of a group of 927 franchises that qualified for inclusion in the list in the recently announced 2015 Franchise 500 rankings, from Entrepreneur magazine. This recognition marks the sixth consecutive year Entrepreneur has included the company in its Top 10 list and the 12th consecutive year SERVPRO has earned the top spot on the magazine's list in its own industry, Restoration Services.
Entrepreneur magazine's Franchise 500 selection process uses objective, quantifiable measures of a franchise operation, to help would-be entrepreneurs identify franchise investment opportunities. Some of the most important factors considered by Entrepreneur in developing the list each year are financial strength and stability, growth rate and size of the system.
It's very satisfying to represent the ongoing brand leadership of
SERVPRO® for disaster cleanup and restoration services in the San Luis Obispo area, said Joseph Powers, owner of SERVPRO® of San Luis Obispo.
As a SERVPRO franchisee, we have the tools and knowledge, and the responsibility, to provide the best possible service to every customer.
According to Powers, SERVPRO continues to innovate with systems, processes and training designed to deliver faster, more consistent results to their customers. In the past year, SERVPRO customers benefited from the introduction of the following advanced features:
* The company's DryBook proprietary software, which provides franchisees with tools to capture and track the steps of a restoration project according to industry best practices and standards.
* The Here to Help® Connection, which provides homeowners with 24/7 access to real-time data, allowing them to track progress toward project completion.
* The Drying Chamber, which uses vacuum freeze-drying technology to vaporize water in water-damaged documents, a technique recommended by the Library of Congress. The process can recover and restore even the most
delicate items and preserve the integrity of a variety of media including irreplaceable files, medical files, books, x-rays, photographs and more.
SERVPRO® specializes in fire and water cleanup and restoration services, helping both commercial and residential customers recover from property damage emergencies. Like it never even happened. For more information about SERVPRO® of San Luis Obispo, contact Joseph Powers at (805) 541-1271 or office@SERVPROsanluisobispo.com. For more information about SERVPRO®, please visit http://www.SERVPRO.com.
Founded in 1967, the SERVPRO® Franchise System is a national leader and provider of fire and water cleanup and restoration services and mold mitigation and remediation. SERVPRO's professional services network of nearly 1,700 individually owned and operated Franchises responds to property damage emergencies ranging from small individual disasters to multi-million dollar losses. Providing coverage in the United States and Canada, the SERVPRO System has established relationships with major insurance companies and commercial clients, as well as individual homeowners.