Who Is Financially Responsible for an Apartment Fire?
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
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.
What You Should Expect From a Fire Damage Estimate
Our SERVPRO team is in action on a commercial fire cleanup job. Our crew is working hard to clean up the smoke damage left behind after a fire.
What To Look For In A Fire Damage Estimate
After a business fire in your facility in Eastchester, NY, you are likely looking for a little clarity. Even after a small fire, your building probably looks like a disaster zone with burned walls and soot and smoke damage everywhere. One of the first steps toward recovery is receiving a complete and understandable estimate of restoration services from a trusted fire mitigation company. This important document should tell you a lot of things about the costs and time frame for the cleanup.
A List of Fire Damage Services
A vague document with few details probably raises more questions than it answers. You deserve clarity at this time, and the bid for services document should cover the status of the following typical restoration services provided after damage by fire:
- Fire board up services
- Roof replacement
- Security provisions
- Damage restoration
- Smoke and fire odor removal
- Debris removal
The document should also include the name of a contact person, a project manager who oversees the entire process. This is who you will contact when you have questions or concerns. The estimate should also provide details on how long each stage should last, anticipated expenses and costs, and any additional services that could become necessary.
A Transparent Process
Many benefits exist for working with a full-service contractor after a commercial fire. The project manager should be involved in all aspects of the restoration process so you won't have to deal with multiple contractors who can't see the overall picture. This makes the process simpler, especially when it comes to dealing with the insurance company, which could result in a faster and more accurate claims settlement. In most cases, working with one contractor speeds up the cleanup and also results in lower expenses.
An accurate and complete estimate can take away some of the stress of dealing with the aftermath of a fire. It also means your company is one step closer to recovery.
How To Conduct an Emergency Drill in a Commercial Building
Judge your fire drill based on how long it takes everyone to evacuate the building and shut down the equipment
In A Commercial Building, How Do You Conduct An Emergency Drill?
A fire drill does not only prepare you and your employees for potential blazes in your commercial property. It can also help everyone learn how to evacuate the premises during major storms that damage the building.
Drills alert you to potential issues so you can correct them before an actual emergency occurs. Ideally, you should hold storm drills for your Elmsmere, NY, building at least twice annually. Here are some tips for making the most out of these drills.
1. Make an Evacuation Plan
Before you hold your next drill, ensure everyone in the office knows and understands the evacuation strategy. Map routes to the nearest exits and highlight the locations of the alarms. You should also create a communication system that keeps each employee informed about the status of the storm.
2. Set Goals
Judge your fire drill based on how long it takes everyone to evacuate the building and shut down the equipment. Set a realistic time frame for the completion of the drill and try to meet or beat that goal.
Start by doing a walkthrough of the drill with members of the emergency response team. Then hold the drill with as many of your employees as possible.
Once everyone has mastered the basic evacuation strategy, try adding some obstacles such as broken elevators and blocked stairwells. To make the drill even more realistic, have a designated employee practice calling 911 and/or cleanup and restoration professionals.
Have a few members of your team observe the drill in its entirety. They should specifically look for behaviors or problems that could be dangerous during a real storm. These individuals can then hold a debriefing after the drill to discuss anything that went wrong.
The above steps should help you run an efficient and effective fire drill. This way, if a severe storm forces you and your employees to evacuate, everyone will understand what to do.
3 Tips To Prevent a Dryer Fire
Make sure that birds, insects, or other animals do not build nests that could obstruct the exhaust vent. A clogged vent could lead to a lint fire.
Three Ways To Avoid A Dryer Fire
If you’re like most people in Yonkers, NY, you probably use your clothes dryer at least a few times per week, but when was the last time you cleaned out your dryer’s exhaust vent? According to the U.S. Fire Administration, clothes dryers cause approximately 2,900 home fires each year. The top cause of those fires is excessive lint buildup due to inadequate cleaning. Follow these tips to keep your dryer in good condition and reduce your risk of a lint fire.
1. Keep Up With Regular Dryer Maintenance
Make sure to clean your dryer’s lint filter every time you use the dryer. Every three months or so, remove any built-up lint from the back of the dryer and clean out any that has accumulated in the vent pipe. Twice a year, brush the filter thoroughly with a nylon brush to remove difficult lint fibers.
2. Remember To Check Your Outside Dryer Exhaust Vent
Nearly all dryers are required to vent to the outside of your house. Keep a cover on the outside vent opening to keep dirt and rain from entering the vent. Check the cover occasionally to be sure it opens fully when the dryer is running. Make sure that birds, insects, or other animals do not build nests that could obstruct the exhaust vent. A clogged vent could lead to a lint fire.
3. Call a Professional if Problems Arise
If you discover any unusual sounds or smells coming from your dryer or notice that your clothes are taking longer than usual to get dry, don’t wait for an inconvenience to develop into a major problem — or a dryer fire. Call a repair person who is licensed to work on your model of dryer. The cost to repair your dryer correctly will almost certainly be less than the fire cleanup costs after a home fire caused by a malfunctioning dryer.
Following these tips requires a small investment of time and energy. However, preventing a lint fire from destroying your home is well worth the extra effort.
Why Local Disaster Cleanup Is Fast and Effective
When it comes to disaster cleanup, SERVPRO is the number one choice of most insurance companies.
Why Is Local Disaster Cleanup So Quick And Efficient?
Commercial emergencies such as flooding, storm damage and fire often require a rapid response from a team of experts. When it comes to disaster cleanup, SERVPRO is the number one choice of most insurance companies. At any hour of the day or night, these pros are Faster to Any Size Disaster, outshining the competition in all of the following ways:
1. Locally Owned and Operated
When emergency water cleanup is needed in Fleetwood, NY, business owners want to work with a local company that has a good reputation. Supporting local businesses is a top priority for most business owners. Likewise, professional work and results are a major concern. Commercial business owners are more likely to use a water damage restoration company in their community such as SERVPRO that can boast these important credentials:
- Trained professionals
- Experienced staff
- Proper equipment
- Local management
- Timely services
2. Nationally Recognized
Although SERVPRO branches operate at a local level, the brand and services are nationally recognized by the average commercial establishment owner who knows they are Faster to Any Size Disaster. With over 1,700 franchisees across the nation, there is no doubt that the company is considered the best in the business. Along with the well-known company name comes a reputation for dependability and unsurpassed disaster cleanup.
3. A Preferred Vendor for Most Insurance Companies
When working with their insurance provider, commercial clients know that SERVPRO is a preferred vendor for both national and local insurance companies. As business managers go to file an insurance claim for flooding, fire, mold or other damages, they want to choose a restoration company that is recognized by their insurance provider and that gets the job done right.
As a locally operated facility, employees live within the community they serve. This means SERVPRO professionals can get to the disaster site more quickly to resolve the problem. Learn why these franchises are both trusted and revered by local clientele because of the ability to be Faster to Any Size Disaster.
Tips To Reduce Commercial Damage and Loss
Our SERVPRO of Scarsdale/Mount Vernon team is in action on a commercial fire cleanup job. If you need help, just call us today!
Tips For Minimizing Commercial Damage And Loss
If you are suffering from devastating damage to your commercial building in Yonkers, NY, it is critical to act quickly. Finding a restoration service that has professionals standing by all hours of the day and night is crucial to reduce damage and loss. A quick response to the problem is important when you submit an insurance claim as well.
Reduce Claim Costs with SERVPRO
Restoring property is always preferable to replacing it because it keeps expenses down. SERVPRO understands this process. Each professional is trained to follow certain steps aimed at reducing the costs associated with your claim.
Pretesting - An expert will examine the property to determine what can be restored and what must be replaced.
Claims Inventory - The inventory list itemizes the materials, furniture and equipment that you have lost, along with pictures of the more important items that can’t be saved.
Electronic Claims Files - Insurance claim information is stored in a database to help your adjuster determine an accurate accounting of the costs in restoring the property.
Assure That Professionals Are Properly Trained
SERVPRO professionals go through a rigorous, self-paced training program to properly restore your property. There are a number of certification programs available to employees, including modules in fire and water restoration, carpet and upholstery cleaning and crew training.
SERVPRO franchises are individually owned and operated, but each one also has access to corporate training and materials. Approved as a training facility for the Institute of Inspection, Cleaning and Restoration Certification, corporate classes are offered all year in water restoration, fire restoration, applied structural drying and carpet cleaning.
Training at the corporate facility is also available to new franchises in mold mitigation and fire and water restoration.
These training programs and cost reduction techniques are among the many reasons your insurance agent is likely to prefer you to work with a SERVPRO franchise.
Before you file that insurance claim, make sure you are working with a professional.
3 Common Causes of a Lint Fire in Your Dryer
Contact your local fire damage restoration service if there has been a fire in your home due to lint. Contact SERVPRO, we are ready to help you!
The 3 Most Common Causes Of A Dryer Lint Fire
Homeowners in Mount Vernon, NY, whose dryers are no longer functioning, should think twice before purchasing a new appliance. Lint buildup is a common cause of a malfunctioning dryer. It is also a lint fire hazard that may go unnoticed for years. Lint can accumulate in places where it is hard to spot, such as:
- Dryer vents
- Inside the dryer
- Behind the dryer
Lint is made up of small thread particles, such as wool or cotton, that easily combust. These three common causes of a dryer fire should be prevented.
1. Failure to Maintain the Dryer Vent
Experts recommend that you service your dryer at least once a year to prevent a lint fire. Fluff and fuzz can fill the exhaust hose and dryer vent. An appliance that no longer dries your clothes is a sign that the vent is clogged. When the lint has no exit, it will eventually fill the vent until it has no other escape except into your home.
2. Lint Inside the Dryer
You should clean your lint filter before and after each use of your dryer. Lint is visible on the filter but can hide inside of the dryer as well. When you remove the filter, peer inside of the housing to make sure no fluff is left behind. If you see buildup inside of the filter housing, clean it thoroughly with a vacuum cleaner to prevent a dryer fire.
3. Lint Behind the Dryer
Lint hidden behind the dryer is a sign that the vent needs to be cleaned. Any spark near the lint can cause a house fire. To prevent this, clean behind your dryer regularly to keep lint buildup at a minimum. Then, contact a professional to service your dryer annually.
Contact your local fire damage restoration service if there has been a fire in your home due to lint. Taking preventative measures, such as yearly dryer maintenance, will keep your house safe from a lint fire.
Concepts To Understand When Dealing With Business Interruption Insurance
Businesses can be disrupted by a variety of disasters, including severe flooding.
When It Comes To Business Interruption Insurance, There Are A Few Things To Keep In Mind.
Many different disasters, such as severe flooding, can result in business interruption. Whether the water comes from a broken pipe or a hurricane, your company will probably need to shut down while a water remediation company fixes the damage. If you find yourself in this situation, it is important to know the various terms you will find on your business interruption insurance policy.
Your policy will cover reduced business income that is a direct result of the flooding. Business income is calculated using:
- Typical net income
- Normal operating expenses
Actual Sustained Loss
This type of insurance covers your Scarsdale, NY, business from any actual loss sustained due to flooding. This means you will only receive funds if you experience a disaster that directly contributes to your inability to run your business for enough time that you experience a loss of income. However, the amount of funds you receive is subject to the specifics of your situation.
Period of Restoration
Insurers are only responsible for your income that was lost during the period of restoration. This is the time from when the damage occurs to when the building should reasonably be operational again.
Sometimes, business interruption insurance can be used to cover any extra expense. These are expenses incurred during the period of restoration that you would not have experienced if your business had been operational.
Certain policies will allow their clients a service interruption extension for their period of restoration if they do not have the necessary utilities to operate their business. This extension does not require that clients name the utility providers as an added insured on their policy.
Understanding these crucial terms is critical to knowing whether your interruption insurance will cover the time you were shut down due to large water damage or another disaster. Make sure you read about these terms and your policy before trying to file a claim.
What To Do If A Pipe Breaks
Our team is quick to respond to this flooded home. After a pipe malfunction, our team showed up with extractors and began to mitigate the damage.
What Should You Do If A Pipe Bursts?
A pipe with weak points or a pipe under pressure often goes unnoticed until it breaks. Bursting pipes require the assistance of a water restoration specialist. Professional technicians not only fix the broken pipe but also clean up the flood waters to help you avoid mold. When a pipe breaks in your home in Scarsdale, NY, the following steps can help you get your home on the road to recovery as quickly as possible.
1. Stop the flow of water. The sooner you can arrest the flood at its source, the smaller the flood will be. Every minute counts when it comes to preventing extensive water damage. Shutting off the main water valve won’t repair the damaged pipe, but it can help to minimize the amount of cleanup that is required.
2. Call the professionals. Enlisting the services of experienced technicians to deal with bursting pipes and their aftermath is crucial to preventing further damage. Flood restoration specialists can remove excess water and dry out the flooded area. It is important to start this process as soon as possible to prevent the growth of mold. If your home in Scarsdale, NY, is left untreated after a flood, you are welcoming spores to settle and multiply on damp surfaces.
3. Document the damage. While you are waiting for the repair technicians to arrive, take pictures and make a list of everything that needs to be repaired or replaced. Fight the urge to clean up the mess before you do this. Your rushed efforts could leave you with insufficient evidence of the problem when you file an insurance claim, and if the water is contaminated, it could spread harmful bacteria or make you ill. It’s best to leave the cleanup to the experienced professionals.
Bursting pipes require immediate action. If a pipe breaks in your home, enlisting repair services quickly to fix it and clean up the mess can significantly minimize the damage and further complications.