After a Flood
After a Storm
No one wants to have to clean up after a flood, but here's how to start.
What should you do after a storm floods your home? After a significant weather event, you may find yourself dealing with conflicting impulses. On one hand, you'll be eager to start the cleanup process right away. On the other hand, you'll probably feel overwhelmed and unsure where to start. While it’s best to have a restoration professional working through the process on your behalf, there are certain steps you can begin while you wait for help to arrive.
The first and most important thing to know is how to re-enter a building safely. Never begin damage mitigation until a building has been cleared as safe.
- Do not touch electrical equipment if you are wet yourself or standing in water.
- Don’t walk through floodwaters. Water can be contaminated by oil, gasoline, or raw sewage or possibly even be electrically charged.
- Turn off electricity to any rooms that are affected by flooding.
- Don’t operate any electrical equipment while standing in wet or damp locations.
- Do not turn on ceiling fixtures if ceiling is wet or enter rooms where ceilings are sagging from retained water.
- Wear protective clothing such as boots, long pants, and gloves when entering your home or dealing with flooded areas. I realize this is going to be uncomfortable in Austin since storm season is generally in the late summer heat, but it’s not worth the risk of injury to wear shorts in a flood clean-up.
Once you get into your building, notify your insurance agent. Your policy guidelines will influence your next steps and your agent should be able to recommend a trusted water restoration team in your area. To make sure that your agent has an accurate assessment of the damage, take photos or video to record the condition of your building and possessions. Don’t move any objects or collections without documenting their condition.
At SERVPRO of Columbus, we’re ready to answer your call 24 hours a day, 7 days a week, but there are still some steps you can take the moment you get back home while you’re waiting for our team to arrive.
The faster you act, the more effective the restoration process will be and the better your chances are of saving water damaged possessions.
- Remove any paintings, art objects, documents and other sensitive materials to a safe, dry place.
- Wipe excess water from wood furniture after removing lamps and tabletop items.
- Raise wooden furniture out of standing waters and place on blocks if possible.
- Remove as much excess water as possible by mopping and blotting.
- Move large furniture away from walls for better air circulation.
- Remove and prop up wet upholstery cushions for even drying.
Tips for Carpet Care
If the affected room is carpeted, there are a few things you can do to prevent further damage to your carpet that might not be obvious if you’ve never been through a flood before.
- Place aluminum foil between furniture legs and wet carpeting.
- Remove books, newspapers, magazines, or other colored items from wet carpets.
- Do not leave colored area rugs on wet carpets (or white rugs on wet colored carpets). Color transfer from one can stain the other.
Let Us Help You
Most people only ever have to recover from a flooded home once in their lifetime. When it does happen, it’s good to have a partner who has been through this before. At SERVPRO of Columbus, we have years of experience and the backing of the SERVPRO system to draw on and help make your home "Like it never even happened."
If you are dealing with flood damage, call us for help at (706) 568-1934 or request help online today.
Fire Restoration Services
Smoke and soot is very invasive and can penetrate various cavities within your home, causing hidden damage and odor. Our smoke damage expertise and experience allows us to inspect and accurately assess the extent of the damage to develop a comprehensive plan of action.
Smoke and soot facts:
- Hot smoke migrates to cooler areas and upper levels of a structure.
- Smoke flows around plumbing systems, seeping through the holes used by pipes to go from floor to floor.
- The type of smoke may greatly affect the restoration process.
Different Types of Smoke
There are two different types of smoke–wet and dry. As a result, there are different types of soot residue after a fire. Before restoration begins, SERVPRO of Columbus/S. Musocgee/Chattahoochee County will test the soot to determine which type of smoke damage occurred. The cleaning procedures will then be based on the information identified during pretesting. Here is some additional information:
Wet Smoke – Plastic and Rubber
- Low heat, smoldering, pungent odor, sticky, smeary. Smoke webs are more difficult to clean.
Dry Smoke – Paper and Wood
- Fast burning, high temperatures, heat rises therefore smoke rises.
Protein Fire Residue – Produced by evaporation of material rather than from a fire
- Virtually invisible, discolors paints and varnishes, extreme pungent odor.
Our Fire Damage Restoration Services
Since each smoke and fire damage situation is a little different, each one requires a unique solution tailored for the specific conditions. We have the equipment, expertise, and experience to restore your fire and smoke damage. We will also treat your family with empathy and respect and your property with care.
Have Questions about Fire, Smoke, or Soot Damage?
Call Us Today – 706.568.1934
When a Storm or Flood Hits, SERVPRO of Columbus is Ready!
Lightning Can Cause Terrible Damage
SERVPRO of Columbus is your local specialist in storm and flood damage restoration. Since we are in and part of your community, we are able to respond quicker to your emergency, with the right resources. With highly trained staff, specialized equipment, and extensive experience, we are equipped to restore your Columbus home or business back to “Like it never even happened.”
We’ve already faced a lot of storms this year, and the season is not over yet. Should large storms impact our area, we are able to activate additional resources to handle any sized disaster. The faster response, the less the damage, the less likely there will be additional damage, and the faster we can get you back to where you need to be.
Have Storm or Flood Damage? Call SERVPRO of Columbus today (706)-568-1934
Certified: SERVPRO Cleaned
Certified: SERVPRO Cleaned
Certified: SERVPRO Cleaned – a defensive cleaning program
Let us help you get back to business
As our communities re-open, we’re all moving back toward a new kind of normal. The expectations of visitors, customers, and employees who come into our establishments have evolved, and staying safe and well is a top concern. The global COVID-19 pandemic has changed what it means to be clean, and we’ve developed a program to help your business meet the new higher standard of clean that is now expected.
Certified: SERVPRO Cleaned is a defensive cleaning program we’re offering to businesses and commercial locations to address the current COVID-19 pandemic. This proactive viral pathogen cleaning program goes well beyond janitorial or carpet cleaning. By choosing Certified: SERVPRO Cleaned, you, your employees, your customers, and your community can rest assured that you’ve selected a higher cleaning standard – you are Certified: SERVPRO Cleaned.
Extensive training and specialized products
As the #1 choice in cleanup and restoration*, we stand on more than 50 years of experience and expertise to help your business become Certified: SERVPRO Cleaned. Beyond fire & water, SERVPRO professionals are trained and experienced in biohazard decontamination and chemical spills – always adhering to the cleaning and decontamination standards set by the Centers for Disease Control and Prevention and local authorities.
From formulating and creating our proprietary cleaning products, like SERVPROXIDE, at our headquarters in Gallatin, TN, to taking the utmost care while disinfecting, we will ensure you and your business are set up to inspire consumer confidence as the economy continues to reopen.
3 C’s – Consult, Clean, and Certify
When the stakes are this high, you want a partner who has developed an industry leading, proprietary training program, cleaning solutions, and remediation processes over decades. We’ve cleaned up some of the most challenging biohazards imaginable. Certified: SERVPRO Cleaned reflects our unique experiences and capabilities. The program is grounded with our unique 3 C’s: Consult, Clean, and Certify.
- Consult – Every business is different, which is why you’ll be assigned a Cleaning Protocol Consultant who understands your business and will create a cleaning program to meet your specific needs. This program will be developed based on your business type, size of space, amount of high frequency touchpoints, foot traffic and congestion points.
- Clean – Based on your specific business needs, your location will undergo a thorough, deep clean, using exclusive cleaning products, according to protocols set forth by the CDC. Our employees have years of experience, and we will go beyond the scope of work that regular janitorial staff perform. Cleanup procedures generally include cleaning of porous and non-porous surfaces, disinfecting of non-porous surfaces, cleaning and disinfecting of equipment, tools, and/or supplies used for cleanup process, and disposal of hazardous materials. In the event of a suspected or confirmed COVID-19 event, we will be there cleaning within 24 hours to ensure you get back to business as quickly as possible.
- Certify - Once your business location has been Certified: SERVPRO Cleaned, you will gain access to proprietary signage, digital emblems, and other collateral that communicates that you’ve selected a higher standard of clean available to help protect your employees and customers. And because we add the day, month, and year to that proprietary stamp of clean, your guests will know that not only did you choose Certified: SERVPRO Cleaned, but that your location is being cleaned regularly at this standard.
Call today for a Certified: SERVPRO Cleaned consultation
We’re Here to Help – 24 hours a day, seven days a week.
Call SERVPRO of Columbus today at 706-568-1934 for your Certified: SERVPRO Cleaned consultation.
With the Certified: SERVPRO Cleaned badge on your window, you are reassuring your employees and customers that you understand the necessity for a new standard of clean.
SERVPRO is the #1 choice in cleanup and restoration. Partnering with our company to provide professional, proactive viral pathogen cleanup for your building will lend you our decades of experience and expertise.
Are you ready to get started?
Certified: SERVPRO Cleaned means professionally trained SERVPRO franchises perform the requested cleaning, sanitizing and disinfection services according to proprietary SERVPRO protocols and recognized industry and CDC standards with EPA approved cleaning products to deliver a SERVPRO certified cleaning experience. Each SERVPRO franchise is independently owned and operated.
Covid 19 Virus
A pandemic was declared when the Coronavirus Disease of 2019 (COVID-19) was getting worse and unmanageable, inflicting millions of people around the world. The main purpose of this declaration is to provide a ground for each and every country for the declaration of a state of calamity.
As a result, affected countries may utilize their respective budgetary allocations specifically allotted for this type of medical emergency.
The virus is a microorganism that may transfer from one person to another through the nasopharyngeal entry. COVID-19 is both an infectious and communicable disease and this is the main reason why the virus causing it is a dangerous pathogenic organism, unlike other pathogens which are only considered as infectious but not communicable.
To ensure the safety of everyone, it is indispensable to have routine chores of cleaning up your surroundings regularly and thereafter to undertake the method of disinfection to make sure that all pathogenic organisms are eliminated.
Cleaning up is just the performance of cleaning the environment without taking the act of killing the pathogens. In short, you are just removing the visible garbage and specks of dirt. But if you undertake to eliminate a number of pathogens, you will be carrying out the process of sanitation. In essence, you are reducing the number of viruses when you sanitize your environment.
However, due to the deadly feature of COVID-19, it is highly recommended to eradicate them by undertaking the thorough disinfection method within your surroundings, because this procedure undertakes the use of the concentrated solutions to remove or inactivate viruses or bacteria on surfaces.
That being said, the difference between the above-cited terms may clearly be explained through the identification of the stages.
The stage of virus termination should always start at the first level of cleanup, then it is required to either sanitize or disinfect. If you only want to reduce the number of germs, you just need to sanitize, but in case of COVID-19, you need to remove them; disinfection, therefore, is to be undertaken.
SERVPRO of Columbus has always been available for many Biohazard delicate human situations, crises, and disasters, including this Coronavirus outbreak. We want you to know that, while we hope it will be unnecessary, SERVPRO of Columbus is qualified and equipped with the required protocols and processes.
SERVPRO of Columbus is a company to call to not capitalize on a situation but a company to offer a solution if the situation allows. To prevent stigma and discrimination, use only the guidance described by CDC to determine the risk of COVID-19. There is much more to learn about the transmissibility, severity, and other features of COVID-19, and investigations are ongoing.
For more information, you may visit our official website at https://www.SERVPROcolumbusga.com.
For your queries and other concerns, you may contact us at the following telephone number
Keep Your Air Ducts Clean
ducts need to be Cleaned!
Most people spend about 60 to 90% of their time inside the house. Yet, only a few of them really care about maintaining quality indoor air. Having a properly working HVAC system can improve your indoor air significantly. But, removing debris and dust from your duct system is even more effective in eliminating contaminants in the air inside your home.
Below are top 5 reasons you should have your air ducts checked and cleaned by professionals.
1. Duct cleaning prevents health issues.
Over time, dust and other air particles accumulate in your duct system. The air confined in your HVAC system carries harmful contaminants that surprisingly affect your family’s health. Once the dirt has buildup on a great amount, it gives way to skin allergies, asthma, and other respiratory conditions. But with routine air duct cleaning, you can prevent these health problems from conquering your family.
2. Duct cleaning improves your system’s performance.
Proper air duct maintenance and your system’s efficiency go hand in hand. When the ductwork is overcome by multitudes of dust, mold, allergens and pet dander without regular cleaning, it restricts your HVAC system from doing its job. But after cleaning and removing these elements, your system can efficiently and evenly distribute fresh and clean air throughout the house.
3. Duct cleaning increases the lifecycle of HVAC system.
Your heating and cooling system should be one of biggest investments. And, the last thing you have in mind is to buy a new one. Surely, you want to use it for a long time. Statistics show that 9 out of 10 systems do not last long due to less maintenance. Regular duct cleaning significantly adds years to your system’s lifespan. Prevent potential system breakdown and call your HVAC contractor now.
4. Duct cleaning eliminates musty odor at home.
Smelling unpleasant odor has something to do with dirty and clogged duct system. And, using scented candles and air fresheners cannot eliminate the odor. The best thing to do is to have your ducts serviced to improve air quality in your home.
5. Duct cleaning exposes underlying issues in your system.
Although it seems like your system is working good, what lies on it may remain unseen and unknown until it is checked by professionals. With a regular air duct cleaning, you foresee potential mechanical issues on the system, preventing expensive repairs in the future.
Looking for expert duct cleaning and maintenance services? C & K Heat and Air Conditioning is your one-stop shop for all your HVAC needs. Achieve high-quality indoor air with our unmatched duct cleaning service. Call us now! SERVPRO Columbus, 706-568-1934.
IICRC Certified Firm We are an IICRC Certified Firm
SERVPRO of Columbus Georgia is an IICRC firm. The Institute of Inspection, Cleaning and Restoration Certification (IICRC) creates the standards for the restoration industry and provides training and certification to restoration companies. IICRC Certified Firms have the right to display the IICRC Certified Logo.
IICRC Certified Firms must
- Present accurate information to consumers and conduct business with honesty and integrity.
- Require a technician on all jobs who has been formally trained and passed all required tests.
- Require a continuing education program to keep technicians up to date on the latest changes in the industry.
- Maintain liability insurance to protect all parties in the event of an accident.
- Maintain a written complaint policy and agree to Better Business Bureau or similar arbitration to resolve disputes and accept the conclusions and recommendations of arbitration.
The IICRC Develops the Standards For The Restoration Industry
The IICRC has been the driving force in establishing the main industry standards and reference guides for professional carpet cleaning, water damage restoration and mold remediation. These IICRC standards take years to develop and require the coordination of experts in the field: manufacturers, industry organizations, insurance professionals, training schools, contractors, and public health professionals.
Every five years, the standards are reviewed and updated. The water damage restoration field changes rapidly with advancements in technology and science, and therefore the standards must evolve to keep pace.
If you would like to schedule service for your home or business, please call today! (706) 568-1934
How Pipes Can Burst Year Round: Signs and What to Do
Not many property owners worry about the risk of pipes bursting in the summer time. In fact, it is only a concern during extremely low temperatures around December, January, and February. As the temperatures drop, the water in the pipes can freeze, expand, and create a fissure within the pipe.
To prevent this from happening, it is highly recommended to keep them insulated or heated by doing the following:
- Wrapping them with heat tape or insulation
- Set up heat lamps or space heaters near pipes during extreme conditions
On the other hand, burst pipes can happen at any time of the year due to a number of causes. They can also go undetected for days or even weeks because some are in hidden areas, such as in basements, attics, behind walls, and under floors.
Causes of Pipe Bursts Other than Weather
The most common causes of non-weather related pipe bursts include the following:
- Hard Water: Naturally, water contains a number of minerals, including calcium and magnesium, referred to as “hard water.” While safe for humans and animals to drink, these minerals will cause significant wear and tear on the pipes. After building up inside, the flow of water is slowed and the pressure increases. The insides will also become corroded and weak. It won’t take long before holes develop and create leaks, and ultimately, water damage. But there is a way to slow down the rate of corrosion: adding a water softener to the water will remove the magnesium and calcium and ultimately decrease the chances of a burst pipe.
- Poor plumbing: If the property is old or the plumbing was not installed correctly, it’s only a problem waiting to happen. Bad soldering or loose pipe will quickly lead to them bursting, creating a disaster at the worst time.
- Rust: Older homes and buildings have the highest risk of pipe bursts due to rust and corrosion. These pipes made from iron, steel, and even lead will be quick to rust, causing them to fissure and flood the surrounding area. Many newer homes now have copper and PVC pipes, which can resist rust, but unless necessary, it is cost-prohibitive to run new plumbing lines through a home.
Signs of Pipe Bursts and How to Prevent Them
One of the most obvious signs of a burst pipe is water damage or standing water, but there are others that can let you know of a disaster much sooner. Here are some other signs of pipe bursts as well as how to prevent or limit the damage:
- Water stains: Water damage will often leave yellow marks. It’s important to notice these and take action right away to fix the problem before it becomes worse, such as water coming through the drywall.
- Lower water pressure: Pipes leaks can reduce the overall water pressure in your home, usually occurring right away. Make sure to be conscious of this problem, locating the leak sooner than later.
- Discolored water: If the color of water coming from the faucets is brown or yellow, it is most likely the cause of rust within the pipe. It’s important to locate and replace the pipe right away as it can ruin a number of water-related appliances like the dishwasher and water heater. Make sure to drink bottled water in the meantime.
At any time you notice one of these signs, be sure to call a licensed plumber as soon as possible to fix the leak. Then call for water damage cleanup to extract excess water and repair the affected surfaces.
Burst Pipes – What to Do:
As soon as you find a burst pipe, taking immediate action is crucial. Without immediate attention, the water will spread and seep into additional building materials and furnishings, even increasing the risk of mold growth.
Many pipe bursts occur when nobody is home, such as when the temperature is kept low while the owners are living in a warmer climate. In this situation, consider installing a water-detection sensor that can send alerts to your computer or phone if the pipes become frozen. Installing low-cost security cameras within the home can also keep you updated if there were ever a problem.
In the situation that the pipes do burst while you are not home, make sure that a trusted neighbor is allowed to access the home to shut off the water supply. Letting them know can mean the difference between a saturated carpet and standing water in the home while you are away.
Make sure to call the technicians at SERVPRO Columbus right away for burst pipe water damage restoration services in the Columbus, GA area.
Call for Water Damage Restoration
As soon as the water is shut off, don’t hesitate to call SERVPRO Columbus for emergency flood cleanup. Our technicians are available 24/7 in the Dallas, TX area to respond immediately, extract the water, and set up the drying equipment to prevent as much damage as possible. We can also conduct any repairs as needed, removing soiled drywall, flooring, or carpeting to prevent the risk of mold growth.
SERVPRO of Columbus Ga is a leading provider of disaster restoration services in the Columbus, Ga area, and our technicians are each IICRC-certified, trained, and experienced to provide the best service possible. We also use the industry’s newest equipment and products to ensure quality results while preventing problems in the future.
Give us a call at (7006) 568-1934 if you live or work in the Columbus, Ga area and are dealing with a burst pipe. We are available 24/7.
How to Remove Smoke Odor
How to Remove Smoke Odor
The lingering smells of smoke from cigarettes and cigars are irritating for many. Candles, kitchen stoves, toasters, fireplaces and the dreaded unintentional fires also emit smoke odors that waft through a home, leaving homeowners scratching their heads for effective methods to cleanse the inside air.
Problems with Smoke Odor
The smell of smoke is far from welcoming. In fact, small smoke particles from wood smoke can trigger respiratory reactions. People with asthma, a lung condition or a heart condition will experience wheezing and chest tightness when they breathe in the wood smoke particles. Other ill effects of breathing in smoke particles include an exacerbation of the asthma or bronchitis sufferers’ symptoms.
Older people especially must preserve their health against smoke fumes, since seniors are more likely than young people to have chronic lung or heart ailments. Children, too, are vulnerable to the ill effects of second hand smoke. Reports indicate 7,500 to 15,000 children are hospitalized with respiratory tract infections caused by secondhand smoke.
Inhaling smoke can be deadly. In the United States, approximately 3,000 people die annually as a main result of smoke inhalation caused by residential fires.
Tips for Removing Smoke Odor
Smoke particles cause the unpleasant smell of smoke. When left unchecked, the smoke particles remain in place, continuously unleashing the smoke odors. To effectively remove the smell of smoke, the smoke particles must be dislodged. Simply masking the odors with scented products does little to resolve the underlying odor issue.
When homeowners spend 90 percent of their time indoors, improving the air quality is an important task. An ozone generator is a homeowner’s most effective tool, as it removes the actual smoke particles that cause the smoke odors. Ozone generators can be rented, which leads to hefty expenses.
Here is how to remove smoke odor from your home using a variety of methods:
Vinegar is a common household product with many functional uses. Place bowls of white vinegar throughout the home. The vinegar will absorb odors over the span of several days, leaving the rooms with a fresh scent. Homeowners also have the option of wiping down the walls, floors, and other areas affected by smoke with white vinegar.
Another product frequently found within the home is baking soda, and homeowners have easy access to the powerful cleansing effects of this natural odor reducer. Similar to the odor absorption powers of white vinegar, baking soda can be placed in bowls around the home. The baking soda will absorb the smoke odors. Homeowners can also sprinkle generous amounts of baking soda along carpets and furniture, leaving the baking soda to sit for a few hours, then vacuuming.
Bust open the doors and windows on a fine summer day. The gusts of clean outside air will gradually thin out the smoky odors. Smoke smells will blow away in the wind, leaving your home with improved air quality.
The charcoal grillers use on their grill is an effective odor absorber. An air purifier that features a charcoal filter is an excellent way to combat smoke odors. Homeowners can also place bowls of charcoal around the home to eliminate smoke smells. The charcoal absorbs smoke odors, in the same vein as vinegar and baking soda.
Smokers who smoke inside the home can put a bowl of charcoal close to the ashtray to instantly absorb the smoke. Prevent recurring smoke odors by not permitting smoking indoors.
When you’re done reading the comics, scrunch up the newspaper into a ball. Leave the newspaper around the home and experience its gradual, odor-eating abilities. Newspapers are excellent odor absorbers, though the effects may take 48 hours to materialize.
Grab a rag and wash down the walls with Borax. The Borax works to remove the actual smoke particles stuck to the walls or flooring, so it is a far better method than absorption. Wipe down your walls with 2 gallons of water combined with a half cup of Borax and a half teaspoon of dishwashing liquid. Rinse away the solution with clean water. The smoke particles and the resulting odors will be washed down the drain.
Smoke particles that have become lodged into carpets, upholstery and curtains can be effectively eliminated by a powerful steam cleaner. While most homeowners are not likely to have a steam cleaner sitting around the house, one can be inexpensively rented from a local hardware store. Use this gadget to deep clean every fabric surface.
Another odor absorber, Febreeze works because it contains a chemical compound known as cyclodextrin, which grips odors. Spray Febreeze generously around the home to reduce the smells of smoke.
Professional Smoke Odor Removal Services
The most effective way to eliminate smoke odors is to hire a professional smoke damage restoration company. The technicians will zap away the smoke particles with advanced technology, leaving your home, its furnishings and all surfaces free from the overpowering elements of smoke.
ServiceMaster of North Texas is a reputable fire and smoke damage restoration service provider. Our specialists are trained and experienced in resolving odor issues related to smoke, soot and fire. Every household item the smoke particles have settled into, from stainless steel, marble and tile to upholstery and carpeting, will be thoroughly cleansed.
Our skilled technicians are experts in smoke odor mitigation. Advanced technology is utilized as a powerful means of odor elimination. SERVPRO of Columbus, Ga professionals use hydroxyl and ozone deodorization to dislodge all smoke particles and the resulting odors. Our technicians will also pinpoint the source of the smoke odors and remove it immediately.
Smoke odor is a messy matter. When left alone, smoke can permanently damage household furnishings and structural elements of a home. Swift and proper cleaning will ensure the affected property within a home is restored.
SERVPRO of Columbus, reliably serves the Columbus, Ga, communities of homes and businesses. We are available 24 hours a day to take emergency calls.
What is Covered by Homeowner's Insurance?
Although homeowner’s insurance policies will have different limits and coverage’s, there are general rules as to what they do cover.
What is Homeowner’s Insurance?
Homeowners insurance is a general coverage that can help to pay the repair and replacement bills after specific types of damages to a property, like water damage, fire, or vandalism. This insurance can also help to cover the cost of other properties if you are at fault or if a visitor was harmed on your property.
What Does Homeowner’s Insurance Cover?
- Your home
- Personal property
- Other structures on your property
- Liability protection
In addition to the general coverage’s listed above, there are add-on coverage’s that can offer extra protection.
Generally, damages caused by any of the following will be covered:
It’s also important to know that not all natural disasters are covered. For example, floods and earthquakes are not covered.
If you feel like you may need these too, they can be purchased in addition to your policy. You can also keep them separated, such as having the policies with a different insurance company. Regardless, doing this will keep you covered and protect your family from financial turmoil after a disaster.
A key point to keep in mind is to only purchase enough coverage that will rebuild your home.
Your homeowners insurance policy pays to cover the reconstruction or restoration costs of your home. Other structures that are detached from the home, like a garage, swimming pool, tool shed, or gazebo are also covered on most policies, accounting for about 10% of the coverage stated on your policy.
Just keep in mind that the following disasters stated above, such as earthquakes and floods are not covered, nor is general wear and tear.
Many homeowners insurance policies include liability for lawsuits, property damage caused by you and others, or bodily injury of anyone on your property. It can also pay for the damage caused by your pets. So if your children or pets accidentally break your neighbor’s window, it would be covered by your policy.
If anyone had taken you to court in regards to paying for the damage, the liability portion would also cover the costs of defending you. Although there is a limit stated within each policy.
Generally, liability starts at $100,000, but it should be considered to purchase higher level of protection with your agent, given specific circumstances. If you also own certain assets of high value, purchasing additional coverage, such as an umbrella or excess liability policy, would be a good idea. This way you wouldn’t have to worry about limits or minimal coverage.
The last part of liability includes no-fault medical coverage, so if anyone is injured on your property, they can send the medical bills to your insurance provider. Then you won’t have to be worried about any lawsuit being filed against you. The one limitation to this part is that it does not cover medical bills of anyone, including pets, already living on the property.
In addition to your home, your personal belongings also need to be covered if your home was hit by a natural disaster. So a homeowner’s insurance policy can cover any electronics, furniture, artwork, and any other valuables within your home.
To get an idea of how much coverage to purchase, conduct a home inventory that includes the value of all personal belongings.
You may also be surprised to find that trees, plants, and shrubs are also covered under standard policies, but have a limit of around $500 per plant. But there are some instances when they are not covered, such as poor maintenance or disease.
The policy can cover the cost to repair or replace personal contents, as long as it is a covered disaster listed above. Sometimes it can even cover the items if they weren’t in the house at the time of destruction. Just keep in mind that due to the worth of some items, like artwork, jewelry, collectibles, and silverware, extended coverage can be purchased as they will exceed the general coverage limit.
Additional Living Expenses
Additional living expenses (ALE) can cover the costs of living away from home if the damage caused to the structure has made it unsafe. This would typically cover restaurant meals, hotel bills, and other costs that would be additional to your regular living expenses.
However, this part of the policy should not be treated like an all-expense-paid vacation; there are limitations. While they are separate from the general coverage limit of rebuilding your home, it’s a good idea to know exactly how much would be covered before making accommodations.
For homeowners who rent out a part of their house, the insurance company can also provide the funds for the money you would have collected, had a tenant been living in that part of the home.
Finding a Restoration Provider
Having a homeowners insurance policy to cover the cost to repair the home or building is very important but hiring a service that can provide these repairs for you is just as important. When looking for a provider, you will want to make sure that they are reputable, such as being licensed, trained, experienced, and efficient in their work. Finding a company that can also cover all aspects of the repairs is another requirement since you won’t want to work with multiple vendors throughout the process.
SERVPRO Columbus Georgia
Our professionals are available 24/7 in the Columbus, Ga area and will dedicate themselves to your peace of mind.
One such provider that has all of these qualities and more is SERVPRO of Columbus Georiga. Available 24/7 in the Columbus, Ga area, our professionals are professionals when it comes to rebuilding properties. After receiving your call, we will respond right away to stabilize the property, regardless of the cause of the damage. We will then conduct a full inspection to identify the scope of the project as well as the development of a reconstruction plan.
We Work with Insurance Companies
SERVPRO of Columbus Ga will then proceed to the reconstruction process of the home, attending to all areas with extensive damage and restoring them to their original condition. Finally, we will work with your insurance provider throughout the claims process, providing you with the peace of mind knowing that all damage has been repaired.
If your home has suffered extensive damage in the Columbus, Ga area, don’t hesitate to call SERVPRO of Columbus Ga. at (706) 568-1934. We are available 24/7 to address all property emergencies.