Fire At Your Residence, What To Do?
Fire at your residence
These last few months California has been hit with numerous brush fires, which, propelled by the strong Santa Ana winds, had torched hundreds of thousands of acres causing mass destruction. Everyone saw the horrors of the images on the news but they can't really fathom is the devastation that these families who lost everything and those who only lost a little are going through. We understand the range of overpowering emotions, from frustration to anger to sadness. Even when fire spares lives, it can destroy a lifetime of precious memories and irreplaceable possessions. If you are like most homeowners after their homes have been damaged by fire, you are probably wondering what to do next. It is normal to want to rush inside and see what is left but DO NOT ENTER YOUR HOME UNTIL YOU HAVE BEEN GIVEN EXPLICIT PERMISSION FROM THE FIRE DEPARTMENT OR BUILDING SAFETY INSPECTOR. Even if you think it wasn't that bad, essential structures may have been compromised, and fires often re-ignite even after they appear to have been extinguished.
Commercial Water Loss Renters Insurance Common Questions
Commercial Water Damage
Commercial water losses can be confusing for the renter. Who is responsible for what types of damage? The renter or the property owner?
Some of the more common water damage-related scenarios a tenant might face are: Ceiling leaks, plumbing leaks or bathtub overflows might be unlikely, but they can be very costly and renters insurance is a relatively inexpensive way to mitigate these types of financial losses. We asked several of our Insurance Agents that we work with, "What are the most common questions you are asked when it comes to renters/tenants?"
Q. If the ceiling is leaking, do I file a renters insurance claim?
A. No. A landlord or owner of a rental property is responsible for keeping it structurally sound and maintained, and that includes leaks. A renters insurance policy would cover a renters personal property in the event a leak damaged it. For example, if water leaked onto a leather couch or television and ruined it, that might be an expense worth considering making a claim for. Under the terms of almost all rental agreements, as long as a renter notifies an owner of a structural issue as soon as they are aware of it, the renter will not be liable for damages caused by that issue. This includes a leak in the ceiling (assuming the leak was not caused by the renter). For example, if wind damages a roof and causes a leak, a renter would not be responsible for fixing the structure. The tenant wouldn't be able to file a renters insurance claim, regardless, renters insurance policies do not cover the structure a renter lives in.
Q. Does renters insurance cover plumbing leaks?
A. Yes. If the plumbing fails and water damages a renter’s personal property, they could file a renters insurance claim. Assuming a tenant is not at fault for its failure, their renter's insurance will not cover the cost to repair the plumbing itself -- that is the responsibility of the landlord or owner. Again, the only exception would be if a renter did not notify their landlord or owner of the issue in writing as soon as it occurred.
Mold after Water Damage
Affected hallway on the 7th floor
SERVPRO of Malibu/Topanga Canyon/Pacific Palisades was contacted regarding a previous water loss. Mold was discovered and was not addressed during the initial dry down by the former restoration company. Upon inspection, discovered walls cut open and mildew present in some of the areas. The damage was on the 7th, 8th, 9th, and 10th floors walls, ceilings, and floors. Once approval was granted, we provided a crew of 8 technicians and set up protective barriers around entire hallway floors, with filtration devices. All affected ceilings and walls were removed to remediate cavities where the damage occurred as well as some carpet that was not removed previously. We provided HEPA vacuuming and cleaning of all surfaces with Sporocide antimicrobial treatment or Benefect botanical product. We used HEPA filtration devices, 2 per floor during the remediation process. Protective entrances are provided for the convenience of the tenants to enter into and out of the hallways.
In 4 days our Crew provided mold remediation services, one floor at a time, completed the unfinished portion of water damage to the building, passed the post-remediation clearance testing, all by the end of that week. The management was pleased with our prompt and efficient process for such a large project.
What To Do When Your Building is Flooded.
Commercial renters do not always have it easy because they rent their office space and do not have the headaches of actual ownership. Believe it or not, sometimes it is worse to be the renter.
Renters insurance works the same way that homeowners insurance does but for renters. When you rent, some think that the Landlord’s insurance covers you and your stuff too. However, that is usually not the case. Your Landlord’s insurance is only there to cover them and their property…not yours.
Renters insurance is so important! It works to cover your:
Personal possessions – coverage for your things (clothes, furniture, equipment, and electronics) up to your coverage limit.
Additional Living or Work Related Expenses – coverage for extra business expenses if your place is damaged and becomes uninhabitable to work.
Commercial Water Damage Restoration
Restaurant Water Damage
Water damage can impact the profitability of a business for weeks, even months to come. With commercial properties, immediate inspection, mitigation, and remediation go a long way in preventing further damage, the associated costs, and disruptions. There is a brief window of opportunity to have everything cleaned and safely dried, and technical expertise is essential for restoring your business.
The immediate removal, drying, and replacement of damaged materials are imperative to restore day-to-day operations.
Our licensed and certified commercial water damage restoration commercial water damage restoration crews are experienced in everything from small retail and restaurant overflows to commercial flood services for complexes and a lot more. We’re the single-source solution for building owners, business owners, and property managers. Understanding all the risks — health and safety, downtime, and losing customers allows us to be here 24/7 for you and your business.
Electrical and Fire Safety Tips
Electrical Fire Damage in Santa Monica CA
Have your home electrical system thoroughly inspected by qualified electricians to ensure that all electrical work in the home meets the safety provisions
Install smoke detectors on every level of the home, inside each bedroom, and outside each sleeping area.
Test smoke detectors and AFCIs monthly to ensure that they are working properly.
Establish an evacuation plan that can be used in case of an emergency, and practice with your family.
Use light bulbs that match the recommended wattage on the light fixture.
In homes with young children, install tamper resistant receptacles to prevent electrical shocks and burns.
Conduct a basic assessment of your home electrical system, electrical cords, extension cords, power plugs, and outlets.
Look for telltale signs of electrical problems such as dim and flickering lights, unusual sizzling and buzzing sounds from your electrical system, insulation and circuit breakers that trip repeatedly. Contact a qualified electrician immediately.
Use extension cords only temporarily, and never with space heaters or air conditioners.
Avoid overloading outlets. Consider having additional circuits or outlets added by a qualified electrician as needed.
Mold Remediation Company
Mold in a home
Having mold in your workplace is a serious problem. If you leave it and don’t take the proper steps to properly remediate it, it will damage the property and can cause health issues. For these reasons, mold remediation should be treated as an emergency. As soon as you discover or anticipate that you have a mold problem you should contact a company for mold remediation in your local area or a company that you know and trust. There will be many benefits to having the mold remediation done as soon as possible.
SERVPRO of Malibu/Pacific Palisades/Topanga and Brentwood have highly trained mold remediation technicians, who go through rigorous training and certification courses, will help you remove these toxins from your home or business. Free consultations are a bonus. Please call us today at (310) 456-2135.
Finding a Fire Damage Restoration Company
Fire Damage Repair Companies
Disasters can occur at anytime, anywhere, anyplace, hence the name. They come in the form of earthquakes, floods, and fire and can happen at any given moment at any given time. Regardless, it is essential for you to repair the damage and bring your life back to normal.
As such, if you experience a huge loss due to a fire that damaged your home, it would be in your best interest to call a proper repair company. Here are a few ways you can find the best fire damage repair company:
Surf The Web - search by using relevant search terms like “ Fire Damage Repair “ and noting the names of trusted and certified companies that are popular for rendering quality repair services at affordable rates.
Ask for Referrals - you can always ask for referrals from your friends, family, and/or acquaintances. People who previously hired a company to fix their damage will certainly come handy in this matter. However, make sure to obtain detailed quotations from each referral company.
Ask Coworkers - When all else fails, seeking help from colleagues or coworkers is a great idea. This is because if any of these people are familiar with a renowned company, you know that your home is in good hands and all your fire damage will be cleared.
If you have any questions feel free to contact us.
Summer Storm Damage
Today is the perfect time to take steps to protect your home from summer storms and other weather damage. The following steps can help you be prepared before a weather emergency strike.
Update your home inventory
- Take pictures of your rooms, closets, attic, and your backyard. Open drawers and cupboards so everything gets photographed. Keep the photos and copies of receipts for valuable items online or outside of your home, that way, you can provide the information to your insurance carrier immediately after the damage is done.
Make sure you have the right insurance
- Let your insurer know if you've made any major home improvements -- it usually doesn't cost a lot to add tens of thousands of dollars for extra coverage. Know your deductible and try to have an emergency fund. You may have no insurance coverage for some storm damage expenses. Such as the cost to haul away a fallen tree that didn’t actually hit your home's structure but lays on your property.
Take precautions to protect your home.
- This is a good time of year to trim trees with low-hanging or unhealthy branches that could fall and damage your own or your neighbor's property.
- Sign up for weather alerts and put together an emergency kit.
- It is always good to stock up on water and nonperishable foods. Don't forget about your pets and medications. Have a portable radio and extra batteries for the radio and flashlight.
For any questions you can always call us…
Right After a Fire
Most homeowners go to great lengths to practice fire prevention in their homes. However, if a fire does occur most people have little idea of what to do afterward. Most often after a fire in your home, you are unable to stay there due to fire and smoke damage. If leaving your home is the only option you do not want to leave it in an open condition and risk burglary.
First things first, make sure to lock up all doors and windows that you can. If doors and windows do not lock properly in the result of the fire be sure to board them up with wood and nails. You should also be sure to board up any holes in the walls and the roof. This should help prevent looting from your home while you are away.
Any valuables you can take with you do it. You can keep them on you, store them with a trusted friend or even rent a storage unit.
If you have fire damage and need help feel free to give us a call.