3 Reasons Why Filing an Insurance Claim Can Raise Your Premium Rate
If you are not cautious, filing a home insurance claim can have an impact on your premium rates.
Three Reasons Why Filing An Insurance Claim May Increase Your Premium Rate
Homeowners in Bagdad, AZ, are searching for ways to keep their home insurance from reaching unreasonable premium rates. Filing a claim, regardless of fault, can make an impact on your rates. Claims for emergency repairs can drastically hike up your premium prices, which may include:
- Water damage repair from a home flood
- Fire damage repair from a dryer fire
- Mold remediation for homes in humid climates
Here are three reasons filing an insurance claim can change your premium rate.
1. Your Claim Was Ratable
Some insurance companies categorize between non-ratable and ratable claim events. A non-ratable claim includes events that are not preventable, such as roof leakage from wind damage in the event of inclement weather. Ratable claims include events that are preventable, such as liability, medical, and fire damage claims due to dirty vents in heating, ventilation, and air conditioning systems.
2. You Filed Multiple Claims in a Short Period of Time
An insurance company will likely not hike up your premium for one claim. In the case of multiple claims, insurance companies may remove discounts, such as claim-free discounts, and charge an additional premium. The amount of this increase will range depending on your insurance company.
3. You Did Not Provide the Proper Documentation for Your Insurance Claim
After your insurance company processes your claim, they will want proper documentation on file to prove the contractor completed repairs in a reasonable period of time. If you do not provide this documentation, your insurance company may send a notice of non-renewal. If you receive this notice, you will need to search for another company once your coverage has ended.
Filing a home insurance claim can affect your premium rates if you are not cautious. If you are processing a non-ratable claim for damage from inclement weather, it is important to hire a trusted storm cleanup company that will complete repairs in a timely manner. If you can no longer afford your premium, you can always search for other insurance companies that will meet your home insurance needs.
5 Ways Homeowners Can Prepare for Flooding
If you have storm damage, call SERVPRO, we respond immediately and begin clean-up procedures pertinently. Contact us for your storm loss emergency!
5 Flood-Preparation Strategies For Homeowners
When the weather turns severe, you want to minimize worrying about your Prescott Valley, AZ, home flooding. Although you can trust a professional water and storm damage restoration to get your home back to normal, it’s better to minimize the potential flood water damage. Below are five ways to get your home ready to weather the storm.
1. Keep Gutters Clean
One of the key causes of a flooded building is clogged downspouts and gutters. It is also one of the easiest ways to avoid excess water. Homeowners should clean their gutters twice a year to ensure rainfall flows where it should.
2. Reconsider Landscaping
Homes with lots of concrete and asphalt may want to consider a landscaping change. These impervious materials make the rain move faster, whether to your home or sewers. Planting a green space with plants that require high amounts of water or using pervious pavements provide natural absorbency of excess water.
3. Install a Flood Water Detector
With many homes becoming smart, make it even smarter with a flood sensor. These devices alert homeowners when water is detected. There are many different kinds on the market, but most have probes that set off an alarm when coming into contact with water.
4. Inspect the Foundation and Grading
Water must flow away from your home. Any cracks in the foundation are a welcome opening to create a flood issue. Along with regularly inspecting the foundation, check for any pooling water outside after rain to verify the grading is properly sloped.
5. Reinforce Basement Windows
Basement windows are another easy way for water to enter the home. Regularly check that they are tightly caulked and sealed. Installing window well covers is another way to minimize water building up.
Dealing with flood water is never pleasant. Taking the time to consider the tips above may reduce the potential or severity of flooding.
Inspecting and Fixing Leaking Faucets
Leaks can cause water waste, skyrocketing water bills, structural damage, and mold and rot.
Inspecting And Repairing Leaky Faucets
A leaking faucet may seem insignificant at first but can quickly become a problem if not addressed immediately. Leaks can lead to water waste, skyrocketing water bills, structural damage, and mold and rot. Fortunately, you can locate and fix most leaking faucets without calling a plumber. With major leaks, however, you need to contact a water damage restoration company in Prescott, AZ, to assess the level of damage the leak might have caused.
What Tools You Will Need When Fixing a Dripping Faucet
The fix for a leak depends on the faucet type, but you will almost always need a screwdriver, an Allen wrench, pliers, new O-rings, and a repair kit:
- Before repairing a leaking faucet, turn off the water supply.
- Turn on the tap to release any remaining water and plug the drain.
How To Inspect the Different Types of Faucets for Damage
Consider the different types of faucets that may be found in your home and the steps you can take to inspect them for leaks.
1. Ball-Type Faucet
Ball-type faucets are commonly found in kitchen sinks. Unlike other faucet types, they use a ball joint to regulate the water flow and don’t usually have washers. If you have a leaky ball-type faucet, you need to remove the cap to check the ball joint, inlet seal, and springs for signs of wear or damage and replace them as needed.
2. Cartridge Faucet
Cartridge faucets are found in bathroom fixtures and use a cartridge to control water flow. If you have a leaky cartridge faucet, check its O-ring or neoprene seal, aside from the cartridge itself. If you have to replace the cartridge, make sure to purchase the right type for your faucet.
3. Ceramic-disk Faucet
Disk faucets have disk cylinders and neoprene seals. If you have these faucets, remove the cylinder to inspect the seals. You can try cleaning the cylinder and seals before reinstalling them.
After any repair, turn on the water supply to check whether the faucet still leaks.
A fixed leak will give you peace of mind and save you time and money. These tips will equip you to take on a leaking faucet even without plumbers.
The Essential Tools of Professional Smoke Cleaning
After a fire, it is important to act quickly to minimize damage and expenses to your home. Call SERVPRO for assistance.
Professional Smoke Cleaners' Must-Have Tools
If your home in Black Canyon City, AZ, requires smoke cleaning, it is critical that the job is performed professionally. The smells of smoke are notoriously difficult to remove. They bind with fabrics and other materials and can persist for months. A company that takes shortcuts might use techniques that only mask the odors; inevitably, the unpleasant smoke odor will return, often in as little as a few days.
True experts in deodorization use the best practices established by the cleaning and restoration industry. Technicians have specialized training that helps them identify and eliminate offensive smells in your home.
Specialized Equipment for Smoke Cleaning
In addition to effective and safe cleaning agents, a smoke remediation company has access to some powerful tools. The following state-of-the-art devices for combating odors are often used after a fire or in other cases of smoke saturation:
- Air filtration devices
- Ozone machines
- Thermal foggers
An odor control technician understands the science behind persistent smells and can therefore utilize the most effective techniques and equipment. The right actions can remove smoke damage and odors without a trace. An upholstery and fabric cleaning technician specializes in removing smells from carpeting, curtains, furniture and clothing.
A Proven Process for Fire Restoration
After a fire, it is important to act quickly to minimize damage and expenses to your home. A professional team such as SERVPRO will arrive Faster to Any Size Disaster. Workers will begin an inspection and damage assessment and then move on to the most pressing issues. If needed, they will engage in water removal and drying, and then proceed with the removal of soot and smoke from all surfaces. This will be followed by cleaning and repair and then the restoration of damaged areas. Smoke cleaning is a vital step to getting your home back in good condition again. When done correctly, the smoke smells will not return.
4 Steps to a Flood-Free Building
Be aware that not all insurance policies cover flooding, so make sure to add it to your comprehensive plan before the business' inauguration.
4 Steps To A Flood-Free Structure
Many decisions are involved in creating new business. Are you considering constructing a new commercial building? If so, several considerations must be made prior to breaking ground. One crucial concern that you must not overlook is the potential for flood damage. Proceed with these helpful tips in mind, and avoid the potential for a severe disaster.
1. Avoid a Flood Zone
Before breaking ground in Prescott Valley, AZ, check to see that your new project resides in an area not susceptible to flooding. Some regions to avoid are:
- Documented flood zones.
- Land near a lake, river, or other body of water.
- Locations with a relatively large amount of rainfall.
2. Secure the Building
Sometimes, building in a flood zone is unavoidable. If your location is at risk for flood damage, ensure the building is watertight and raised above the ground if situated near a body of water. Further, in regions prone to storm damage, install hurricane-proof windows and doors, and consider adding protective storm shutters.
3. Clean the Gutters
Rain gutters full of debris leave your building at risk for flooding. Large rubble like branches, leaves, and nests can cause a dangerous buildup of water and require immediate removal. Avoid the need for flood repair services by ensuring all gutters receive professional cleaning every six months. Further, safeguard your building by removing all debris and dirt from your roof. Tend to roof damage immediately, filling in any discernable holes and gaps.
4. Get Insurance
Even the most prepared business owners have the potential to experience water damage. Therefore, never open the doors to your new business before obtaining proper commercial building insurance. Be aware that not all insurance policies cover flooding, so make sure to add it to your comprehensive plan before the business' inauguration.
Flood damage is expensive, stressful, and potentially disastrous. Keep your business safe and water-free by following these simple steps.
3 Reasons To Look for an IICRC Certification
Looking for this certification ensures the technicians who do your work are trained and knowledgeable. This ensures your work is done correctly.
Three Reasons To Seek IICRC Certification
You've probably seen a company boasting an IICRC certificate. It is often prominently displayed on a company's website. A lot of companies have this certification. It seems to be a big factor in their marketing materials. Unfortunately, if you're not in the remediation industry, you probably don't know what it means. You also don't know why it's so important.
The main reason this certification is important is that it impacts the quality of work you receive. It can also affect the processes used during a restoration job. Here is some more about its meaning and the impact it has.
1. It Is the Industry Standard-Setter
You probably want to hire a disaster remediation company that has safety, integrity, excellence, and professionalism as its focus. In most industries, there is a primary organization that sets these standards. This is true for businesses working in restoration in Bagdad, AZ The Institute of Inspection, Cleaning and Restoration Certification (IICRC) is the industry's standard setter.
2. The Courses Are Rigorous
The IICRC offers many courses designed to cover different aspects of remediation work. It covers everything from carpet replacement to managing a restoration company. The organization also knows that a thorough understanding of each aspect is necessary for the industry. Therefore, technicians must go through rigorous training to earn a certification and earn continuing education credits every year. This ensures that they keep their credentials.
Each course gives technicians an in-depth understanding and hands-on experience of a subject. They then take need to pass an exam to ensure they meet the standards.
3. A Certification Guarantees a Superior Level of Work
Most industries require a training certificate. However, restoration work is not one of those industries, and anyone can start a business. Because of this, you need to ensure the company you choose has a restoration, cleaning, or mitigation certificate.
Looking for this certification ensures the technicians who do your work are trained and knowledgeable. This ensures your work is done correctly. It also guarantees that you will receive a superior quality of work. These benefits are why this certification is so important.
2 Reasons To Choose an IICRC Certified Business
Our SERVPRO team of IICRC-certified managers and technicians are here to help business owners when they have any water damage.
2 Reasons To Work With An IICRC-Certified Company
When you're hiring a disaster remediation company in Campo Verde, AZ, you want technicians that are professionally trained. This can seem like a challenging task at times. The best way to know that you are getting a qualified business in this industry is to look for a certification from the Institute of Inspection, Cleaning, and Restoration Certification (IICRC). Here are two reasons to choose a business that this organization endorses.
1. What Are These Certifications?
The IICRC is a nonprofit that works in the restoration industry. It is a leading body that establishes the standards and standardized training for companies and technicians performing restoration work. It offers several certifications, from a carpet cleaning master to a mitigation certificate. Professionals can pursue multiple certifications in the same area and become a master in that specialty. Each year technicians and masters are expected to perform continuing education courses.
A certified firm can have all of their technicians be certified, or only one. You can identify one of these firms because they will likely display this organization's logo and other marketing materials. The best businesses are the ones that make all of their technicians maintain their certifications. Additionally, a firm with at least one master in a specialty will provide higher quality work. These minimum requirements ensure that you get a firm that is properly certified to handle your disaster.
2. What are the Industry Standards?
The standards are the best and most current technologies and techniques used by industry professionals to remediate a disaster. They include the procedures from handling everything from basic carpet cleaning and installation to extreme water damage restoration. These are based on scientific facts and years of experience and focus on improving the efficiency, safety, and effectiveness of professionals working in the industry.
Businesses should look for firms with IICRC certified technicians. These credentials ensure that a company and its employees meet industry standards. In other words, you can count on a certified company to help remedy your disaster.
Why Do Some Insurers Exclude Mold Damage?
Proper mitigation, cleaning and restoration of primary water damage reduces the risk of a major mold problem
Why Do Some Insurance Companies Exclude Mold Damage?
A number of insurers exclude mold from commercial property insurance policies. The costs associated with fungus removal can be considerable, and liability for occupant exposure may also apply. Here are a few reasons about why mold may be cut out of the primary commercial insurance policy for a building located in Prescott Valley, AZ, along with tips for restoring coverage.
Mold Is Secondary Damage
Proper mitigation, cleaning and restoration of primary water damage reduces the risk of a major mold problem. Mold may result from any of the following factors:
- Failure to stop the source of moisture
- Leaving surfaces or materials saturated
- Not lowering high humidity levels
It is imperative to fix a pipe or roof leak, clean and dry the affected area and maintain low relative indoor humidity levels. Restoration professionals recommend these measures to minimize water damage and prevent mold.
Cleaning Up Mold Can Be Costly
If water damage is not restored correctly, the expenses of recovery may be much greater than the cost of a timely response to the initial incident. Mold inspection, testing and fungus removal can tack thousands of dollars on to total restoration costs.
Liability for Mold Is Complicated
Property owners or managers who do not respond to reports of water damage, musty odors or visible mold growth in a timely manner with inspection and mold cleanup may be held liable for their lack of action. In general, commercial lessees have fewer rights than residential tenants protected by state habitability laws or warranties.
Mitigating and restoring water damage quickly is the best way to reduce the costs and risks associated with mold in a commercial building in Prescott Valley, AZ. Fungus removal may be necessary if high moisture and humidity levels are sustained. Owners and managers of buildings prone to mold should seek out policies that cover mold or add a mold endorsement to existing coverage.
The 3 Best Methods To Identify a Leaky Toilet
When your home requires water damage repair and restoration, our crew is here to help! We're standing by 24/7 to respond to your emergency
The 3 Most Effective Ways To Find A Leaky Toilet
While some problem areas around your Bagdad, AZ, home often make themselves known in a very obvious way, some can go silently undetected for long periods of time. One of these problems can come in the form of a leaking toilet, which can cause both water leaks on your bathroom floor and an expensive utility bill, to boot. If you think your home may be experiencing a leaky toilet, here are the three best methods for detecting a problem and solving it before the consequences become any worse.
1. Test the toilet water tank using food coloring.
While it might seem strange, using food dye as a method for seeking out leaks is quite effective. Start with the toilet you’re concerned about and flush it normally. Wait through its entire cycle, then add 4-5 drops of red or blue food coloring to the tank’s water and wait 20-30 minutes. Once the time has passed, return to the toilet and check the bowl for changes in color. If the water is clear, there’s no sign of a leak. However, if the water is slightly discolored by the dye, you’ve found your leaking toilet.
2. Check for problems with the float.
While there’s an overflow pipe installed in every toilet tank to prevent just that situation, there can sometimes be overflow anyway due to a faulty float. Since the float is supposed to tell the inlet valve when to shut off the water, any extra water can indicate a possible leak, meaning you might need a new float.
3. Consider that the wax ring might be dry or installed incorrectly.
Wax rings on toilets dry out all the time, making them an easy suspect when you come across a bathroom leak. Inspect yours thoroughly to see if this is the source of your water issue.
If you find yourself needing more assistance with identifying a leaking toilet in your Bagdad, AZ , home, contacting professional water restoration experts who are here to help is the easiest way to ensure your water problem is solved.
Important Steps To Take If Water Drips From Light Fixtures
If you notice water dripping from your ceiling or light fixture, don’t simply turn off the light. You definitely shouldn’t touch the fixture either.
If Water Drips From Light Fixtures, Take These Important Steps
There are certain places in your Prescott Valley, AZ, home where you expect to find water, and there are places that will alarm you if water is there. For instance, if you walk into a room and see water dripping from your light fixtures, you know you have a big problem on your hands. Water in a light isn’t a situation you want to take lightly or ignore. With some quick action, you can resolve the ordeal and reduce the risk of widespread flooding.
What To Do First
Water in a light is a dangerous situation, as you know water and electricity aren’t a good combination. For the safety of everyone in your home, make sure you respond to this issue quickly and properly.
• Shut off the power in your home at your breaker box.
• Test to ensure the electricity is off.
• Contact a plumber.
• Contact an electrician.
Turn Off the Power
If you notice water dripping from your ceiling or light fixture, don’t simply turn off the light. You definitely shouldn’t touch the fixture either. Instead, locate the main breaker box in your home and turn off the power to the affected area. In fact, it may be safe to turn off all power to your house. Doing this will eliminate the risk of shock or even electrocution.
Test It Out
To be safe, even after you have shut off the power, make sure there is no electricity flowing through wires and fixtures in your home. With a voltage meter, check whether you detect any current in a dry wire in the home.
Call the Pros
It’s important that you contact the right professionals to help correct this potentially devastating situation. A restoration expert can handle ceiling damage, while a plumber will know how to eliminate the water issue. Also, a trusted electrician will help you install new fixtures without worrying about the risk of shock.
No one wants to see water in a light, but there are fortunately strategies you can follow to help ensure your safety. Act fast and get the right people on the job, and you should be in good shape.