Insurance Claims: How to Prepare for an Adjuster's Visit
Water damage is the most frequently filled insurance claim in Cincinnati,OH
While it is part of the claims process, a home adjuster visit can feel oddly intrusive and even judgmental, but they don’t have to. When viewed as only a process, a visit from an adjuster can be systematic and judgment-free, especially when you plan and prepare for their visit with the four steps below.
1. Prepare a Loss Inventory
Any insurance claim will likely require a loss inventory, which is an itemized record of any of your belongings too damaged to repair or restore. In addition to cataloging the information, it is a good idea to photograph any losses to show the adjuster as proof of loss.
2. Identify Structural Damage
Locate any structural damage before the home adjuster visit to ensure efficiency. You will want to look for cracks in walls or foundational separation. Additionally, you can check for sagging of the roofline or weeping/sweating around basement walls. Any structural concerns should be discussed with the adjuster to ensure they have the complete picture.
3. Collect Contractor Bids
Before the adjuster’s visit, you can begin the process of collecting cleanup and restoration bids. Professionals in the Cincinnati, OH, area will likely be better suited to your specific needs because they will be more familiar with local building codes. Receiving bids from a minimum of three contractors is standard and may be expected by your insurer.
4. Make Copies of Important Documents
As adjusters are busy, typically having more than one client and claim at a time, it is beneficial for you to maintain copies of any relevant documents and correspondence between you and your insurer to substantiate your claims. The adjuster will likely have all this information, but in the off chance that there is a discrepancy, it is better to have proof and validation.
While it may be easy to see a home adjuster as the enemy, someone who is trying to cheat you out of your hard-earned dollars, the truth is that adjusters want to make sure you get what you’ve earned. You can help make that happen by following the steps above, making the process as efficient as possible.
Space Heater Safety
Think Safety with Space Heaters
Stay safe this winter by plugging space heaters into outlets, never into extension cords or power strips. When using a heater that requires a secondary fuel source such as kerosene take extra care when filling the heater and always store your extra fuel in an approved container in a different location.
SERVPRO of West Hamilton was called out at 4:30am to a home that fire fighters battled a blaze that started from a kerosene space heater. It was estimated that the fire started around 1:00am. The only occupent was able to safely leave her residence without issue. Once the fire was extinguished SERVPRO arrived to secure the property and begin the clean up process. Fire investigators determined the cause of the blaze was started when a stack of news papers fell against the space heater. A situation such as this is completely avoidable by following the manufactures operating instructions regarding safe distances to near objects.
An ounce of prevention is worth a pound of cure.
How To Prevent Plumbing Issues in Your Commercial Building
Pipe that froze and broke causing waterloss on a nursing home in Hamilton, OH
Plumbing problems are common in commercial buildings. With so many customers and employees going in and out, bathrooms and sinks are used repeatedly. Frequent use of plumbing systems can lead to problems such as the following:
- Broken fixtures
A broken pipe or damaged water main can lead to huge amounts of water leakage. If you are currently dealing with water damage, call a professional to help you start the restoration process. If you’d like to avoid serious issues from happening easily in your commercial building, here are a few proactive tips that can keep your building safe from water damage.
Keep an Eye Out for Clogs
Unless you’re talking about the wooden footwear, clogs are annoying. They can be even more irritating when they occur in your building’s bathrooms. Employees and customers alike lose access to toilets, sinks, and showers. While this can lead to bad business or conflict within the company, clogs can lead to more serious issues. Water pressure can rise to dangerous levels when the plumbing system is blocked.
One way to avoid clogs is to clean the bathrooms regularly. This can help remove potential obstructions. Another great way to avoid clogs is to put up signs that remind customers and employees what they can flush down the toilet. However, if clogs are still recurrent it might be a bigger problem within the pipes themselves.
Check Your Water Temperature
Depending on the business, you might count on the temperature of your water to always accurate. Either way, it’s always a good idea to check your water heater when temperatures start fluctuating or if you are struggling to get hot water. This often means that your water heater is broken or leaking.
To avoid water damage and other serious issues, don’t ignore the signs. You can also check on your water heater regularly to help you identify any possible difficulties. Check the outside of the heater for any external damage and then flush out the tank. You can also check the anode rod and heater vent for any problems.
You can prevent many plumbing problems from affecting your business in Hamilton, OH, if you take careful precautions. Look for any indications and act quickly to avoid dealing with damage.
Restoring Your Cincinnati Commercial Property After A Water Damage Event
Drying a large commercial building after a pipe burst and flood.
Flooding and water damage events at Cincinnati commercial properties are often complex with numerous issues that require a knowledgeable and flexible response. Whether we’re dealing with a relatively small water cleanup scenario or a large scale event, we work quickly to assess each unique situation and isolate the damaged area. In many instances, normal operations can continue in a temporary space while we restore your facility.
Restoring Commercial Properties Presents Unique Challenges
Our professionals are trained to be mindful of legal and environmental concerns and strive to fully restore the damaged area while working within your budgetary constraints. We understand that every hour spent cleaning up is an hour of lost revenue and productivity. So when an emergency situation arises in your business, give us a call and we’ll be there fast with the help you need.
About SERVPRO of SERVPRO of East Central Cincinnati
SERVPRO of East Central Cincinnati specializes in the cleanup and restoration of commercial and residential property after a water damage event. Our staff is highly trained in property damage restoration. From initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property.
How do I know if my home has mold?
Mold hiding in a closet behind some clothes.
Mold is microscopic which cannot be seen with the naked eye. Therefore, it is very hard to determine if your home has mold unless you can visibly see the black growth. Mold needs water to grow and will grow if there are leaks.
Hidden mold can be found by doing some simple sleuthing:
- Where do you have water problems?
- Check under windows since condensation can form and mold will grow on the sill.
- Bathrooms have a lot of water. Any leak or corner that collects moisture is a potential place for mold growth.
- The water heater and water softener are notorious for having leaks, especially when the water softener purges.
- You can often find mold around the edges of their tanks.
There are many ares where mold can be found but look no further when searching for a Mold Remediation Company.
Kitchen Fire in Cincinnati
A home in Cincinnati that needed our services after a fire broke out in the kitchen.
Leaving the kitchen unattended while cooking is the number one cause of house fires. The following is a photo of a kitchen fire that was caused by an electric skillet being left on while the homeowner was away at work. It was assumed that the remaining food became so hot and dry that it ignited, as the flames grew the adjacent cabinetry became engulfed by the fire.
In a short time the majority of the kitchen was consumed by the fire. We at SERVPRO of East Central Cincinnati take safety very seriously so we preform a safety audit to verify that the affected structure is indeed safe to be worked. The clean up efforts on this project are not limited to the fire damage, the water used to extinguish the blaze left the residence saturated with a very dirty smokey water.
Before we can start to remove the fire damaged matrials we are tasked with a proper water mitigation. The wet items that were destroyed by the fire are removed in the beginning stages, we dont need to dry unsalvageable materials. Fire mitigation can be a long process to put the home back to a "Like it never even happened."
Does Your Cincinnati Home Have A Mold Problem?
Black mold damage on wallboard in Cincinnati.
Microscopic mold spores naturally occur almost everywhere, both outdoors and indoors. This makes it impossible to remove all mold from a home or business. Therefore, mold remediation reduces the mold spore count back to its natural or baseline level. Some restoration businesses advertise “mold removal” and even guarantee to remove all mold, which is a fallacy. Consider the following mold facts:
- Mold is present almost everywhere, indoors and outdoors.
- Mold spores are microscopic and float along in the air and may enter your home through windows, doors, or AC/heating systems or even hitch a ride indoors on your clothing or a pet.
- Mold spores thrive on moisture. Mold spores can quickly grow into colonies when exposed to water. These colonies may produce allergens and irritants.
- Before mold remediation can begin, any sources of water or moisture must be addressed. Otherwise, the mold may return.
- Mold often produces a strong, musty odor and can lead you to possible mold problem areas.
- Even higher-than-normal indoor humidity can support mold growth. Keep indoor humidity below 45 percent.
If your home or business has a mold problem, we can inspect and assess your property and use our specialized training, equipment, and expertise to remediate your mold infestation.
If You See Signs of Mold, Call Us Today 513-561-7378
Wood Flooring Care During a Water Damage
Keep your wood floors dry and only wet clean them every 2 months.
Wood floors require extra care, but that doesn't mean you should mop yours every week. Wet-clean no more than 1-2 months to maximize your floor's longevity.
After a water damage this is especially true and may require resurfacing your floor to return it to its previous condition. A trained water restoration technician with the proper equipment can restore most quality hardwood floors to its natural moisture content in a timely manner limiting the need to replace the affected flooring. Every situation has its own set of unique challenges and knowing the best tool for the job is what we at SERVPRO consider a welcomed task.
Some flooring is manufactured using man made and natural materials these types of floors are often considered non-salvageable. Which means that it will not return to it's previous condition. SERVPRO of Central East Cincinnati 513-561-7378??.
When Storms or Floods hit Cincinnati, SERVPRO is ready!
Storm Damage left behind dirt and water in a Cincinnati Commercial Office Building
SERVPRO of East Central Cincinnati specializes in storm and flood damage restoration. Our crews are highly trained and we use specialized equipment to restore your property to its pre-storm condition.
Since we are locally owned and operated, we are able to respond quicker with the right resources, which is extremely important. A fast response lessens the damage, limits further damage, and reduces the restoration cost.
Resources to Handle Floods and Storms
When storms hit Cincinnati, we can scale our resources to handle a large storm or flooding disaster. We can access equipment and personnel from a network of 1,650 Franchises across the country and elite Disaster Recovery Teams that are strategically located throughout the United States.
Have Storm or Flood Damage? Call Us Today 513-561-7378
Cleaning Tiny Shards of Glass
Shards of glass stuck in carpet.
Cleaning up tiny shards of broken glass can be a pain. Storms and high winds can cause windows to break which should be boarded up to keep out the elements.
But what do I do with the broken glass?
Try using modeling clay it can be an easy way to pick up the small pieces that your broom or vacuum might have missed.
We are often times challanged with a less than standard cleaning projects. One of our very first customers, who has used us on multiple occasions, used us for glass clean up and board up services. The aforementioned customer has a large curio cabinet which suffered a serious shelve malfunction resulting in a lot of broken glass and a serious cleanup effort. We had a crew of three onsite cleaning the broken glass out of the carpet. Our crew worked for about three hours to get the glass removed.
No job is to big or to small for SERVPRO of East Central Cincinnati give us a call at 513-561-7378.