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3 Ways a Restoration Response Team Streamlines Business Insurance Claims

8/27/2022 (Permalink)

Water damage in an office Severe water damage in Yonkers, NY.

3 Ways a Restoration Response Team Streamlines Business Insurance Claims

When fire, flooding and storm damage causes problems for you and your Yonkers, NY, business, one of your main concerns may be how to handle the insurance claim and where to begin. Between itemizing the damage and the paperwork, you may feel overwhelmed. However, working with an emergency disaster response team like SERVPRO can streamline this process, from pretesting to filing.

1. Pretest Assistance

Once you have the chance to survey the damage inside your business, it can seem insurmountable. Working with a disaster response company can help you to better understand the extent of the issue with pretesting, which gauges whether certain areas can be fixed or if they are likely a total loss. Overall, this can lower claims expenses and may even help you file an insurance claim more quickly.

2. 24/7 Support

Disaster can strike anytime day or night, but because SERVPRO locations are locally owned and operated, the response time is usually swift. This can reduce the need for insurance claims, such as with flooding, as the restoration technicians can drain standing water and provide mitigation solutions for areas that may degrade over time and cause secondary damage, such as mold growth.

3. Preferred Vendor Status

Working with an insurance agent after your business suffers damage can be daunting, especially if you have never filed a commercial claim before. SERVPRO may serve as a bridge between your company and the agent, as the franchise is well known as a preferred vendor and can boost your confidence during the process. The presence of a certified disaster response team may also benefit the agent, who may feel more comfortable working with a preferred restoration vendor.

Fire, flooding and severe storms can cause a variety of damage to your Yonkers, NY, business and require you to file an insurance claim. Working with a SERVPRO disaster response team, from the pretesting phase to filing, may help you weather the storm with greater peace of mind.

Coping With Water Damage

8/17/2022 (Permalink)

Flood Cuts performed on drywall Drying up the area that was damaged by water in a Mount Vernon, NY home

How Do You Deal With Water Damage

Water damage in Mount Vernon, NY, can happen suddenly and unexpectedly. Whether the result of a storm, broken pipes, or a washing machine malfunction, you’re suddenly facing a big water cleanup task. When you’re preparing to address the mess, consider the following:

  • Safety
  • Assessment
  • Cleanup and Repairs

Keep It Safe

One of the first steps you should take is shutting off power in the affected areas since water and electricity are a dangerous, potentially deadly, mix.

If you need to go into the damaged space, consider the source of the water; if there’s any chance of contamination, such as from stormwater or an overflowing toilet, wear protective clothing and wash hands thoroughly after handling anything that has been in the water.

Assess the Damage

If the damage is significant, you may want to contact your insurance company to find out whether or not you have coverage. Keep in mind that water damage is different from flood damage, and insurance companies adjust differently for the two. If you are covered, an adjuster will likely want to take pictures of the damage to help evaluate your claim. You may want to take your own pictures as well in order to have a record of what has happened.

Cleaning Up and Making Repairs

It is important to act fast when you have standing water, as mold and bacteria can begin to grow in as little as 24 to 48 hours. Even if the damage was caused by clean water, the longer it stands, the better the chance of contamination.

In most cases, you should contact a restoration professional to come out and evaluate the situation. These people have the knowledge, experience and equipment to deal with the problem safely and efficiently. They can advise you about the extent of your damages and the need for any repairs, whether fixing broken pipes or replacing damaged wallboard.

Water damage can be frustrating and overwhelming, but following these steps can help you manage the problem as efficiently as possible so that you can get your home and your life back to normal.

How to Safely Clean and Disinfect After Sewer Damage

7/28/2022 (Permalink)

Water damage in a commercial building Sewer damage in Scarsdale, NY

Types Of Contaminated Water

A flooded toilet is always inconvenient, but it can also be dangerous. A toilet flood is usually caused by a clog or a block in the drain that isn't allowing things to flow out correctly. There are three types of contaminated water that you may encounter when you have a toilet backup, and the category of contamination will help you to know how dangerous it is for people in your home.

1. Clean Water
Clean water is water that floods into your home from a broken water line. This is not true sewer cleanup, because the water is not contaminated with any type of sewage. As long as it hasn't mixed with other contaminants, you can clean up this water with towels, a mop, or a shop vacuum.


2. Gray Water
Gray water has urine in it. A sewer backup can cause your toilet to overflow into your bathroom, and the bacteria present make this a more dangerous cleanup process. Make sure that pets and small children can't get to the overflow by closing doors. Open windows to ventilate the area, if possible, and wear personal protective equipment if you attempt to do any cleaning yourself. You should dispose of anything you use for cleaning afterwards.


3. Black Water
Black water is the most dangerous level of sewer cleanup that you're likely to encounter because of a toilet backup. This contains water with feces and anything that comes from beyond the toilet trap. If you must clean, wear gloves, a mask, goggles, and boots. Shovel debris into heavy plastic bags and dispose of them immediately. Use bleach to prevent the spread of infection. However, this type of sewer backup is especially toxic, and it is best to leave the cleanup to a professional.

While it is possible to do some of the cleanup yourself with some of the less severe categories, it's always best to contact a local sewage cleanup and restoration expert in Scarsdale, NY. You want to be very sure that your home is properly disinfected and that there won't be any future complications from sewer cleanup that wasn't thorough enough.

3 Topics To Review With Kids Before a Fire

7/28/2022 (Permalink)

Fire Damage in a home Plan for your family on what to do in case of a fire in your home breaks out

Kids Safety Tips

A top priority for parents in Scarsdale, NY is kids' safety. When developing emergency drills and plans, parents should remember these three often-overlooked concepts. They will especially help children be mentally and physically prepared for an emergency.

1. Visit a Firefighter in Full Gear

First, it is a terrific idea for children to visit a fire station in Scarsdale, NY, to see a firefighter in full gear before any emergency, especially a home fire. The basic uniform includes a coat, boots, pants, gloves, and a helmet. People may forget that a mask covers the firefighter’s face and his or her breathing device can sound more like Darth Vader. Children hopefully will feel less anxious if they’ve seen a firefighter’s apparatus before a true emergency.

2. Discuss Usage of the Fire Escape

The second item to discuss regarding kids' safety is how children actually use a fire escape if they are above the first level of a home or apartment. Children should practice unlatching and opening windows or doors nearby. They need to understand how to physically climb down the house or building. Every bedroom higher than the primary level should have a fire ladder. All family members should know where to find the ladders, how to set them up, and how to use them. This process can include pushing or kicking a screen to remove it.

3. Explain the Need To Attract Attention

In a truly desperate situation, family members should all understand it’s okay to break a window to get attention from firefighters below. If children have trouble opening a window, teach them how to break the glass in an emergency.

When it comes to fires and kids' safety, drills and discussions are crucial. As children grow and mature, their understanding will expand and actions and responses will vary in any emergency situation. Hence, it’s also important to regularly review and revise your plans for what to do in case of a fire and the necessary work afterward.

The Best Response to Black Water Damage in Your Home

7/28/2022 (Permalink)

Flood damage in a home Flood damage in Bronxville, NY

The Best Response to Black Water Damage in Your Home

Water damage caused by home flooding in Bronxville, NY, is a serious matter. When your surrounding area experiences a flood, water pools from sources such as sewage drains and any household contaminants kept at ground level. Flood water is also known as black water, and it is important to have as little contact with this contaminated flood water as possible. As the flood recedes, it leaves behind water damage. This damage is hazardous to your home's environment, and you should not attempt to clean it up yourself.

Attempting to clean it up yourself could lead to a bigger disaster. There could be structural damage you can't see, and when there has been standing water in your home, it is prone to other hazards, such as mold. These hidden dangers will be more expensive to repair as they are allowed to worsen and grow.

The Restoration Process
The IIRHC recommends hiring professionals who possess the protective gear and training needed to safely remove debris and restore your home to its pre-flood state. The following tasks will be performed in the remediation restoration process.

  • Any areas of your home that have experienced water damage will be closed off and further assessed.
  • In protective gear, a professional team will assess the damage.

Your home will be inspected for dangers that come after flooding, such as mold and structural damage.
Salvageable items will be cleaned; non-salvageable items will be discarded. This includes personal items, furnishings, fixtures, and materials such as drywall and flooring.
Any needed restoration will be performed.

After Restoration
Following restoration, your family can safely return to the home without fear of any lingering or hidden dangers. Water damage from flooding can wreak havoc on your life for a short time, but by working closely with a trusted team of professionals, the damage won't be allowed to continue to grow and you'll have peace of mind in the knowledge that all areas of concern have been properly handled.

What To Do Before Your Adjuster Arrives

6/21/2022 (Permalink)

SERVPRO green vehicle When a storm hits your home in Bronxville, NY, call SERVPRO of Scarsdale/Mount Vernon

Before Your Adjuster Arrives, Here's What You Should Do

When a storm hits your home in Bronxville, NY, it is likely that damage will be widespread throughout the area. Even if you have flood insurance, it is still in your best interest to limit the amount of damage to your home as much as possible. Your insurance adjuster will likely be very busy during this time, so it's important to take a few key steps before he or she arrives.

Call Restoration Professionals

The first call you should make after alerting your insurance company is to flood restoration specialists. There are several benefits to calling them quickly:

• Assessment of initial damage
• Faster water extraction to prevent further harm to your home
• Itemized list of damages to help with insurance claim

Even if they get a lot of calls, they tend to be equipped to mobilize quickly in an emergency situation and can probably get to you faster than your flood insurance adjuster. In fact, with the list of damages they provide, they can actually make adjusters' jobs easier once they arrive by providing an estimate of what the remediation will cost.

Take Lots of Pictures

If the damage is severe, you may have to evacuate your home to keep yourself and your family safe. If you can safely do so, however, it is a good idea to take as many pictures as you can. You may even consider taking a video of all the affected areas of your home. If it has been a few days, and the flood damage has turned into mold damage, make sure you document that as well. The more evidence that you can provide of the repairs your home needs, the better chance you have of getting your claim accepted.

Even if you have great flood insurance, a large storm can overtax local adjusters, delaying their ability to get to you in a timely manner. Taking proactive steps to document the flood damage and keep it from getting worse can help you in the long run.

Tips for Filing a Renters Insurance Claim After a Fire

6/13/2022 (Permalink)

Kitchen fire in a home If you rent your home in Tuckahoe, NY, you need renters insurance to cover expenses in case of a fire or another covered peril.

After a Fire, Here Are Some Tips for Filing a Renters Insurance Claim

If you rent your home in Tuckahoe, NY, you need renters insurance to cover expenses in case of a fire or another covered peril. Most tenants don't know how far those benefits reach, though. When filing your claim after a fire, be sure to include the following costs, if applicable to your circumstances.

Fire Damage to Belongings

One document you should prepare before you file your claim is an itemized list of belongings damaged by the fire and how much it costs to replace them. Your policy should cover all your personal property:

  • Furniture
  • Electronics
  • Clothing
  • Food
  • Valuables

You may be surprised how many items fire restoration experts can repair. If they cannot be fixed, however, your provider should recoup the replacement cost rather than the depreciated value of the items.

Limited Liability

A fire can break out in your apartment due to your negligence. If this happens, the liability clause in your renters' insurance policy is likely to come into play. This protects you in the event that a third party has damages due to anything you did that led to the fire.

Medical Expenses

Even if you do everything right, it is still possible that someone can get injured when fleeing the burning building. Most policies for renters can cover medical expenses to a certain extent. Check with your agent to see how much coverage an injured party can get.

Temporary Relocation

If there is a lot of damage to the structure of the rental property, it may take some time to repair. You will probably have to live somewhere else while it is mitigated. Your policy should cover the cost of the hotel room or other temporary accommodations. 
You may not know a lot about your renters' insurance policy until you need to file a claim. Chances are good that it covers more than you expect.

4 Benefits of Commercial Document Restoration

6/7/2022 (Permalink)

Wet documents By acting quickly, you can save your documents and get your Scarsdale, NY business back on its feet.

4 Reasons to Restore Commercial Documents

In the aftermath of a disaster in your building, it is crucial to address damage to sensitive documents as quickly as possible. Damage from water, mold, fire, or smoke can be devastating to your business.


The best way to proceed with document restoration is to contact a professional restoration company that has the equipment and expertise to make sure that you are protecting your documents as effectively as possible.

Here are some of the benefits of having commercial restoration done by SERVPRO.

1. Specialized Equipment and Procedures

You can protect sensitive documents such as books, photographs, and paperwork by having a team of trained technicians pack up the documents and treat them with professional care. Cutting-edge technology such as gamma irradiation and freeze-drying ensures that you are doing everything you can to return your documents to a healthy condition.

2. 24/7 Service for Emergencies

Disasters such as fires and storms can happen at any time. If an alarm goes off in your building in the middle of the night, it is crucial to begin the document drying process as quickly as possible. A 24/7 emergency service ensures that you will have a team of professionals on-site no matter when disaster strikes.

3. Send Documents to a Document Restoration Facility

In addition to using the latest technology, the facility offers 24/7 surveillance and can also digitize documents quickly so that you can preserve the content of your documents.

4. Help With the Claims Process

Insurance claims for document restoration can be complicated. It is helpful to have a team of experts on hand to help you file the necessary paperwork and communicate with the insurance company effectively.

Damage to your commercial building in Scarsdale, NY can be mitigated by using a professional restoration company. By acting quickly, you can save your documents and get your business back on its feet.

Who Is Financially Responsible for an Apartment Fire?

5/23/2022 (Permalink)

Renters insurance form and dollars on the table. Structural fire damage is the responsibility of the landlord. It includes the building itself and its electrical, plumbing and other systems.

Who Is Financially Liable For A Fire In An Apartment?

Landlords take on various responsibilities when they rent a property in Bronxville, NY. They must provide a safe, clean and livable space for their tenants. Keeping up with maintenance, repairs and safety codes is part of a landlord's duties. Paying the mortgage and property taxes is also necessary. Property insurance is vital, too, and if your property experiences an apartment fire, it's good to know what damages landlords must cover.

Landlord Duties After a Fire

Immediately following a fire, landlords should take care of some urgent tasks:

  • Contact your insurance agent to file a claim.
  • Call a fire restoration company to secure your property from further damage and begin repairs.
  • Check on your tenants to ensure they have received medical treatment. Ask them what they know about the fire.
  • Check with a fire officer before entering the property with your tenant to collect belongings and assess the damage.

Financial Responsibility for an Apartment Fire

Once the initial shock is over and your tenants have temporary housing, repair work can begin. You may have questions about financial responsibility.
Structural fire damage is the responsibility of the landlord. It includes the building itself and its electrical, plumbing and other systems. Landlords are not liable for the tenant's personal belongings. Tenants should have renter's insurance to cover their items.

Your property insurance policy typically covers your portion of the damage. If the fire resulted from the negligence of your tenants or their guests, they must be accountable for paying the deductible and your out-of-pocket costs. It's a good idea to explain this in the lease agreement so that if you have a fire, there's no question about responsibility. Typically, your insurance company reaches out to the tenant's insurance company to seek liability compensation.

An apartment fire is something landlords prefer to avoid. However, knowing what to do in an emergency helps you be prepared if the unthinkable happens.

What To Expect During Commercial Fire Cleanup

5/17/2022 (Permalink)

A restoration company is cleaning up a fire in a business If a fire disaster occurs, it is important to know who to call for your commercial fire cleanup and restoration needs! Call SERVPRO!

What To Expect When Cleaning Up After A Commercial Fire

After a commercial fire, business owners in Eastchester, NY, face many challenges. As the fire crews drive away, you have the daunting challenge of cleaning the water and smoke damage left from rescue efforts. Over the next few weeks, turn to experts in fire remediation services to assist you in the fire cleanup process. These professionals should complete the following stages, focusing on restoring and sanitizing the premises.

1. Immediately Secure the Facility

The fire created moisture and soot damage, possibly leaving you with drenched and crumbling structures. However, additional secondary conditions could set in if the experts do not defend the property from other future hazards. The remediation crew evaluates the team for possible exposures, such as openings within the walls and roof. Once identified, workers fortify the vulnerabilities with thick plywood and tarps.

2. Determine the Extent of Water and Smoke Damage

Before cleaning begins, the specialists perform tests to learn more about the fire's structural impact. Using moisture reading tools, employees determine the amount of saturation. In addition, they assess concerns with odor, smoke and ash. Using this information, professionals develop a thorough plan to remediate the property.

3. Tend to the Fire's Harm

Water hoses quenched the blaze; however, it also penetrated porous objects such as papers, cloth, drywall and carpeting. Before completing the smoke cleaning, the restoration staff tends to this concern. Fluid and organic material serve as a host for fungus, allowing spores to reproduce and spread within days. To mitigate this trouble, the crew must dry out the property immediately. They use air movers and dehumidifiers to extract the dampness. In addition, they may tear out pieces and remove contents that cannot wholly air out.

Once specialists complete this phase, they rely on sophisticated equipment to scrub the premises, removing soot stains. In addition, they use innovative technology such as fogging equipment and air scrubbers to deodorize rooms.

Fire devastates building structures, creating many problems for owners. Remediation professional services can handle the cleanup process, from securing the premises to managing the smoke damage.