5 Steps for Mold Remediation
Mold removal requires professionals. Contact SERVPRO of Upper Cape Cod and the Islands to get mold remediation in Cape Cod by factory trained, expert
5 Steps for Mold Remediation
Mold growth is a common but very agitating experience for a homeowner since it is an aesthetic and healthy nuisance. It is a fungus that grows in filaments and extends its growth to different areas if it remains unchecked. Proper removal and precautions are a must in order to overcome it. If you are weary of mold growth and are looking for instant, effective mold removal, then you can get in touch with SERVPRO of Upper Cape Cod and the Islands for its services regarding mold remediation in Cape Cod. We offer expert and factory trained restoration crew to bring back the aesthetic appeal of your house.
Here is a list of steps that are included in mold remediation:
Evaluate Moisture Content
The key factor that initiates mold growth is moisture. Assessing moisture content in the premises is very essential. Mold is an invisible invader that covers spaces which might not be visible to the naked eye. This growth will be found behind walls, inside cabinets in kitchens, on walls in a bathroom, behind the bathtubs, and surrounding window or wall near a wardrobe. It is essential to properly check these areas to evaluate the damage. You should take pictures in order to tell the restoration technicians where the mold removal should be carried out.
Analyze Extent of Contamination
Mold growth is not specified to an area as it spreads slowly but eventually to other areas as well. The analysis of its contamination will highlight its impact, according to which its way of clean-up is defined. Mold spores are also a concern that should be kept in mind while analyzing it because proper removal will ensure complete eradication of spores. These spread in the air and can cause health effects for some individuals.
Remediate Mold Contamination
This step involves the removal and clean-up that should be done to clear the affected area. After proper calculation of area, a remediation plan is designed and implemented according to the size of the area whether it is small or isolated. If you are looking to get effective mold restoration in Cape Cod, employ the services of SERVPRO of Upper Cape Cod and the Islands to restore the beauty of your house.
Tips for DIY Cleanup Process
The following are a few tips that are utilized for better cleaning of mold:
- Repair any and all water leakages as this will fix the moisture content to prevent the growth of mold
- For isolated areas, cover the surrounding door and window if the affected area is small, but if the area is large, then cover with polyethylene sheets
- Remove all wet and mold affected materials and items
- Discard the affected item in a thick biodegradable plastic bag with airtight seal
- Use mask and gloves to protect yourself
- For cleaning, wood surfaces and non-porous materials, use a brush and then wipe it with disposable wipes. Numerous cleaners are available in the market. However, you can also use homemade cleaner for mold prevention
- Properly check the area for dirt. Dry the place properly to minimize the chance of mold growth
- Repair or completely replace items and materials that have been affected by mold growth
Give It a Final Examination
A complete full examination of the house should be carried out once the cleanup process is done. The affected areas must be monitored first. This will ensure you that the cleanup has been done efficiently. Also, inspect other areas of the house to check for signs of mold growth. Once you are satisfied with the results, you will be ensured with better peace of mind within your house.
5 Things to Do in Case of Flooding in Your House or Business
I'm not worried anymore because I hired SERVPRO of Upper Cape Cod and the Islands who will help me clean up the flood damage at my business.
What to Do If Your House or Business Floods
The world is unpredictable! No one knows what can happen in the next few minutes of your life. Natural calamities like floods, earthquakes, storms, etc., are inevitable. People get confused and worried when their houses or businesses get flooded. The reason may be natural floods or even unrecognized water leakages. Most people panic when this happens, but it is nothing that cannot be handled. If not you, then with a professional, water damage restoration service in Cape Cod will be able to help you out. SERVPRO of Upper Cape Cod and the Islands has factory trained, skilled restoration crews that will restore your property "Like it never even happened."
Here are a few things to consider if and when your house or business gets flooded:
Locate and Stop the Source
The first thing that should be done in case of leakages in the house or business is to locate the source. Find out whether it is a pipe, the basement, bathroom, etc. If you are unable to do that, shut off the water supply to the whole house. Secondly, turn off electricity to avoid electrical failure and hazards. If you are unable to do it yourself, call an electrician to carry out this task. If you have insurance, then it is advised to take pictures of the affected area so that the damage can be evaluated and instantly shared with the insurance agent. If affected by a natural flood, stay calm and be patient to carry out all necessary steps.
Assessment of Flood Damage
In case of insurance, after getting a go-ahead, use a pump to remove water, open your door and window for air to assist in drying. Be careful while walking to avoid fall or slip, place all valuable and important things in a dry place. If handling this situation is not your cup of tea, contact SERVPRO of Upper Cape Cod and the Islands for water damage removal in Cape Cod to have instant and effective results.
Calculate Additional Risks
If you are affected by a flood so much so that you have to evacuate your house or business, make sure you return back if and only if the official authorities give a green signal. Be careful when entering the house again and check for electrical supply. Check for any visible damages such as cracks, holes or weakened foundations. Contact utility companies to monitor your water, gas, electric and sewer lines to avoid additional risks.
Health is Always Wealth
Health comes first and you should take precautions to be safe. Even if the water has been cleared, your house or business may still be contaminated with sewage or household chemicals. It is better to use gloves, and wear rubber boots. Do not use food that has been contaminated even in the slightest by flood water. Also, boil the water for drinking use to avoid infection until concerned authorities declare it safe for use.
Mitigation for Mold Growth
Mold problem commonly develops after 48 to 72 hours after a flood. It is better to dry the things; removal of wet carpets and other textile and upholstery is necessary to avoid mold growth. Get in touch with SERVPRO operating from Upper Cape Cod and the Islands for mold remediation in Cape Cod through expert and professional restoration technicians.
Remember to keep in contact with concerned authorities for updates, information, and help. Above all, be safe and secure through the calamity and keep your loved ones safe too.
Yarmouth Fire Damage Restored by SERVPRO
SERVPRO, the best professional fire and smoke damage restoration in Cape Cod. We are always here to help!
Yarmouth Fire Damage Remediated by SERVPRO
SERVPRO of Upper Cape Cod and the Islands is a leader in fire damage restoration and it is also a competent, professional mold remediation in Cape Cod. When an unfortunate incident of fire broke out in an apartment complex in Yarmouth, our services were employed for efficient cleanup and restoration. The accidental fire was later determined to be caused by misplacement of a cardboard box near the cooktop which caught fire and spread all over instantly. Yarmouth Fire Department was quick to respond and overcome the fire incident with SERVPRO swooping in the later stage to restore the property. Here’s a short overview of the incident and how we helped. On the afternoon of 25th of April, 2017, a fire broke out in the Unit of a building which is a large multi-building apartment complex. The concerned building has a total of 12 units. One building, in particular, was the first one to call in 911 and report that smoke was being seen from another unit along with fire alarms sounding loud. The Fire Inspectors and Deputy Chief were the first to arrive on the scene. After a small mishap with the supply of water, the firefighters and ambulance were able to stop the fire incident and help the people who lived there. After evacuation, extinguishment, and ventilation, the residents of all units excluding those of Unit burnt in the fire were instructed to go back to their homes.
Heavy Fire and Smoke Damage
Finally, it was reported that the unit was struck by damaged caused by heavy fire and smoke damage. Once the Yarmouth Fire Department was done with their part, SERVPRO of Upper Cape Cod and the Islands was called in for the restoration of the property. Because of the heavy fire and smoke, the premises were considerably damaged. The residue of smoke, fire, soot, and water was everywhere and it had to be cleaned up and the property restored back to its original state. Since SERVPRO is a leading fire restoration service in Cape Cod, we ensured that the restoration left the house in a state where it seemed ‘like it never even happened’.
Restoration for Fire Damage
There are many things to consider when a professional cleanup and restoration company such as SERVPRO of Upper Cape Cod and the Islands is handling a property damaged by fire. Fire is more than often an unstoppable force and if it is not stopped in time, it devours every nook and cranny of the property. But due to the courage and tireless efforts of our brave fire departments, SERVPRO rarely has to handle a property that has been damaged beyond conventional repair. When conducting fire damage repair in Cape Cod, we have to consider spaces, rooms, furniture, books, electronics, drapery and other textiles that might have been damaged. Soot, ash and other residue is the biggest challenge that SERVPRO faces during the restoration procedure.
SERVPRO, Always There to Help
After the Yarmouth fire incident was handled by the Yarmouth Fire Department, SERVPRO of Upper Cape Cod and the Islands was called in to remediate Unit 1218 of the building apartment complex. With the latest technology, machinery, and skilled professionals, we set to work immediately to restore the damaged unit. Our crew is capable of remediating residential as well as commercial property of any size which has faced damage due to natural calamities or accidents. Within a short duration, SERVPRO managed to complete the cleanup and restoration process to handover the property to its owners. Our quick cleanup ensured that residents returned to their homes as soon as possible.
For inquiries and questions about Fire Smoke Damage Restoration in Cape Cod, contact us round the clock at (508) 888-5985.
Hurricane Season in Full Force for Cape Cod & the Islands
SERVPRO Ready as East Coast Prepares for Jose's Arrival.
After the recent catastrophic devastation at the hands of Hurricane Irma, the Caribbean and the East Coast prepare once again. This time, the threat comes in the name of Hurricane Jose which is swirling its way up slowly. Being the third major hurricane of the year, it is reported by officials to hit coastal areas from Virginia up towards New England. The outer Cape Cod and Boston areas have been issued a hurricane warning. SERVPRO, the leading name in water damage cleanup services is ready to face this challenge. With our 24/7 emergency service available to all in Cape Cod, we aim to minimize the damage caused in the hurricane’s wake. Our professional crew and emergency teams will help you in restoring your property to its formal glory and make it "Like it never even happened."
Here are few things for you to keep in mind regarding Jose and the probable damage it may cause:
A Little About Hurricane Jose
As of 8 am, Tuesday, September 19, 2017, latest update on Hurricane Jose and Hurricane Maria is that tropical storm watches have been issued for areas including Delaware up towards Cape Cod. The National Hurricane Center has stated that Hurricane Jose is “expected to cause direct impacts from Delaware northward to New England.” Jose will have an offshore track but it is predicted that its tropical-storm-force winds will go beyond the conventional center of circulation. It has sustained wind speed of 65 knots (75 mph; 120 km/h). Due to Jose, areas up till New York will see big wave action and erosion. An official Tropical Storm Warning has been issued in Cape Cod, especially Nantucket and Martha’s Vineyard.
DIY Tips before the Storm Hits
First and foremost, communicate with your local authorities to ensure if there has been an evacuation warning. If you are allowed to stay within your homes, then there are quite a few DIY steps that you can manage on your own to minimize the storm damage. Ensure that you have a well-stocked Emergency Kit which includes first-aid kit, food, clothes, emergency items and such. Rehearse evacuation routes with your family members to make sure everyone knows what to do and where to gather. Apart from these, if it is safe for you stay indoors while the storm passes, ensure that you have all windows, doors and vents checked properly. Leave nothing in your lawns and backyards that may fly and damage the windows or exterior. You can contact us for further instructions on how to minimize the storm damage on your property.
SERVPRO Against Hurricane Jose
We are a locally owned company which harbors national storm resources. Since we are from the community and work for the community, we understand the need for restoration efforts that are necessary after a catastrophic disaster. Our company is based in the Upper Cape Cod and the Islands. Hence, we are ready to respond to any emergency call at any time. We pride in being active members of our community. As a reputable water removal service in Cape Cod, SERVPRO always steps up to play its part for the community.
24/7 Emergency Service Available
When dealing with hurricanes, blizzards, floods, tornadoes and the likes, we utilize our vast network of storm teams which are strategically placed. These teams are always on standby to help you in the unfortunate case where your locality gets hit by such a calamity. We have more than 1,700 franchises spread across the nation. As soon as an area is hit, we pool in the resources from our network to focus on local command centers. Their expertise are available for you all through the year. We consider no disaster to be too big as we handle residential and commercial projects of all sizes. The Catastrophic Storm Response Team has handled major disasters in the past such as Katrina, Sandy, Polar Vortex and Chicago floods among others.
We hope, pray and advise that everyone stays safe!
If you have further questions about Water Removal and Storm Damage Restoration in Cape Cod, feel free to contact us anytime at (508) 888-5985.
Your Perfect Property Rescuers Around Cape Cod
Equipment is set up after all the flood cuts are complete and the insulation is removed from the wall cavities to ensure the structure dries properly.
Property these days is neither easy to make nor easy to maintain. Getting calls for urgent help as water leakage damage to the property, are very common.
A family in West Yarmouth shuts their house for the winter season and visited another town. While they were gone, a small pin hole sized damage to the water pipe caused slow leakage of the water, all through the winter. When they moved back, they were welcomed by a horrible surprise. The slow water leakage caused seepage which damaged the distemper of the walls. Not only this, constant water leakage made the environment moist, making it favorable for molds to grow and infect the house. With insects and molds infecting the entire house, it was no longer livable. With the fear of losing the property, the family immediately called the best water restoration company in Cape Cod.
What we offer:
As we claim to be available 24/7, we can provide services in emergencies. Home water damage restoration must be treated as soon as it is detected. Our team, comprises of experts who know their job well. They know how to detect water damage and treat it instantly. Our restoration services include a check up of the entire house, finding possibilities of water damage. Then we move to the steps of cleaning up the mess that has been made because of water leakage.
Well Defined Procedure:
Water Damage Cleanup Service is a six-step process which starts with an inspection and ends at a restoration of the loss. As water leakage and damage makes the environment humid and moist, one of the most important steps is drying and dehumidification. Our water damage restoration technicians are the best ones you can get when you are struck with water damage. Having the knowledge and prior experience to tackle the problem is very important.
Anyone can have trouble with the water supply in their property. Anything can cause the damage as well. Being responsible citizens, it’s important to contact the right people at the right time. Once you let us in, we will make sure that no more troubles come your way. Water damage can be a nasty business to deal with, if it is not cured and treated properly and adequately, it is most likely to relapse. Water damage can be a disease which doesn’t affect the property only, it affects you, your family, your finances, and your health as well.
As horrid as water damage can become, contacting SERVPRO is inevitable. Being experts in water damage removal and restoring your property to what it was like before, you won’t be able to deny our expertise and excellence. Using the genuine and first quality products and tools, we guarantee repair like no one other can claim.
Water Damage Restoration Service Cape Cod by us has become a need of almost every household around town. Water damages do occur, somewhere in the house, and they should be treated by the ones who know their job and value your investment in them.
Cape Cod Family Suffers Devastating Fire Damage
Fire and water damage destroys the personal content of a Sandwich family.
Family in Sandwich, MA Rebuilds Home After Devastating House Fire
Fire damage to your property, either commercial or residential, can be very distressing both financially as well as emotionally. Not only do you lose the things in which you have invested in, but family heirlooms can be damaged or lost forever in a fire. At such crucial times, a family in Sandwich, MA, made one call to us which put them on the road to recovering and rebuilding their home and peace of mind.
Contacting us was the least they could do and the rest of it was up to us. Not only did we restore their house but we also updated the property making the damage “Like it never even happened.”
Fire Damage Repair, Not an Easy Task
We, at SERVPRO, have built our company on the foundations of reliability, trust, convenience, and efficiency. We are trustworthy people who can fix any damage done to your property that troubles you. The range of damage caused by the fire is always extensive. It is not only the fire that causes damage, but also the water from the fire brigade too. Your property gets covered in soot. Fire damage repair requires proper, well trained and knowledgeable technicians.
SERVPRO has the best team of technicians who know their jobs well. They first inspect and identify the damages to your property, and then take steps accordingly.
Fire Restoration Service, Cape Cod
Our services include 24/7 availability and every kind of emergency scenarios are tackled as well. We have a team which is ready to help provide the best fire restoration service, Cape Cod area. Our fire restoration process comprises of six to seven steps in which we clean, repair and restores your property with as little disruption and inconvenience to you as possible.
Smoke and Soot – All Damages Restored!
Soot and smoke can be very tricky when it comes to removing these two completely and restoring and repairing the property that has been damaged because of a fire accident. Our specialists of fire smoke restoration, Cape Cod focus on restoring your property so that you can get back to your routine as soon as possible. We use special cleaning techniques which make the job easier, quicker and more effective.
Why Trust SERVPRO of Upper Cape Cod and Islands?
Our quality services and quick response have earned us a valuable name in the town, people have always put their faith in SERVPRO of Upper Cape Cod and Islands because of professionalism and desired results delivered. We are always there whenever a client calls us for help which has earned us a reputation like no other. With least disruption and best quality of material used in the restoration processes, we have always won the trust of our clients.
Restoration Available Round the Clock
We tackle emergencies 24/7 which makes us approachable and available to our clients at any given time. With the best team of specialists a company could have; we make your decision to hire us worthwhile. Our company’s motto is to provide you with the best results and meet your expectations from the beginning to the end. For us, your health and your home, matter the most and this has helped us garner the rightful recognition we hold today.
Plymouth, MA Family Rebuilds Home After Devastating Kitchen Grease Fire
Kitchen fire damages Plymouth, MA home.
Contacting us was the first thing that they did!We took care of the rest of the process from the board up all the way through to the rebuilding of their property. Not only did we restore their house we updated the property making the damage “Like it never even happened.”
Fire Damage Repair not a Child’s Play:
We, at SERVPRO, have constructed our company on the foundation of reliability. We are the trustworthy people who can fix whatever it is that troubles you. The range of damage caused by fire is always very vast. It is not only the fire that causes damage, but the water from the fire brigade also does. Your property gets covered in soot. Fire Damage Repair requires proper, well trained and knowledgeable technicians.
SERVPRO, have the best team of technicians who know their jobs well. They would first inspect and identify the damages to your property and then take steps accordingly.
Fire Restoration Service, Cape Cod:
Our services include 24/7 availability and every kind of emergency scenarios are tackled as well. We have a team who ready to help Fire Restoration Service, Cape Cod. Our fire restoration process comprises of six to seven steps in which we clean, repair and restore your property with as little disruption, as possible.
Smoke and Soot- All damages restored!
Soot and smoke can be very tricky when it comes to removing these two completely and restoring and repairing the property that has been damaged because of a fire accident. Our specialists for Fire Smoke Restoration, Cape Codfocus on restoring your property so that you can be brought back to your routine as soon as possible. They use special cleaning techniques which makes the job easier.
Why trust SERVPRO of Upper Cape Cod and Islands?
Our quality services and quick response have earned us a valuable name in the town, people have always put their faith in- SERVPRO of Upper Cape Cod and Islands because of our results and professionalism. We have vowed to be always there whenever anyone calls for help, we have a reputation like no other. With the least disruption, yet the best quality of material used in the restoration process, we have won the trust of our clients.
We tackle emergencies with 24/7 availability which makes us approachable and helpful. Having the best team of specialists, you could have; we make your decision to hire us worthwhile. Giving the best results, and meeting your expectations from the beginning to the end is our company’s motto, we have gained today’s rightful recognition. For us your health and home both matter the most to us.
SERVPRO Repairs a Local School
Cape Cod School needs help drying out from water damage.
SERVPRO Repairs a Local School
To make school colorful and more fun for students studying there, schools have installed fish tanks in their buildings. One morning, a local school in outer Cape Cod contacted SERVPRO of Upper Cape Cods and The Islands for help. During the holidays at their school, the fish tank accidently broke, because of some unknown reason. It caused immense water damage in the building which had to be dealt with before the school reopened and students returned.
How We Helped
Because we are available 24/7, we can be of great help whenever someone contacts us with an emergency situation. Water damage if not treated effectively, can cause a permanent damage to your property. Our water damage cleanup service is provided to our clients by highly specialized technician and experts in water damage and restoration department. Having an immense experience, we guarantee to restore your property to what it looked like before the incident. We analyzed the situation of the school, made the diagnosis and started off with the spilled water treatment.
Clients sometimes show concern that the procedures will cause inconvenience. As experts and after proper studies, we have devised a six step process for water damage restoration. After thorough inspection of the property, we are able to identify the root cause of the damage in no time. Moving further, our aim is on drying and dehumidification of the damaged areas. This prevents the molds from growing in the damp areas. Finally, we work on how we can restore your property and make it as good as new.
SERVPRO has a reputation like no other
It takes years to build up a well reputed company. Not every company gets to win the trust of their clients. For years, we have served our neighbors and friends in Cape Cod. We are a locally owned and operated company with national resources.
Why You Should trust SERVPRO
Once you experience the way we work, you shall be our client always. We provide 24/7 services and best technicians who are experts in their areas. We also have faster service to any sized disaster that may occur. Having always resolved the problems of water damage, our water damage removal service is undoubtedly the best.
Doesn’t matter how big the water damage disaster is, we are always there to help you get back to your routine, through our effective restoration processes. Water Damage Cape Cod and restoration is a service like no other. We work day in and day out, for the satisfaction of our clients with the best technology equipment available. Our trucks are loaded with the best tools and equipment needed for the restoration process.
No matter what the time, just remember that we are only one call away. Water Damage Removal, Cape Cod by us provides efficient services as it’s very important to treat the damage caused by water as soon as possible. Being always at your service, you will not return dissatisfied from our company. We have won the hearts and trust of our clients, and built up our company on core values of honest help. The school was successfully redeemed to its original state and everything was returned to normal.
Knowledge is Power
Flooding conditions on Nantucket after a storm hits the area.
SERVPRO is a family own and operated company specializing in the cleanup and restoration of residential and commercial property damage of fire or water. We also provide mold inspections and remediation. We work directly your insurance to make an easier and seamless process for the property owner. With our repair/rebuilding services available to you, our team can truly make your property damage, “Like it never even happened.”
Born and raised here on Cape Cod, we understand the concerns and needs people have when their property has a damage; whether residential or commercial. Resolving issues quickly is our number one goal. We want you to feel confident in our services and know that we care about you because we are your neighbors. We believe all members of the team need to be training in property damage. That training is continuous from initial to more advanced certifications with IICRC. Our team is equipped with the knowledge, equipment and professionalism to restore your property quickly.
Over the years, SERVPRO has worked with thousands of customers and it is surprising the most common statement we hear is, “I don’t understand my insurance policy.” We find that people in general have little knowledge about how their policies work, what type of coverage they have, what is and isn't covered and basically the entire claims process. After all, we all have busy lives. I thought it may be helpful to write a blog series on these topics in hopes of helping people learn more about something that most of us are required to have in our lives but know very little about.
- Lesson #1: If you have a mortgage it’s guaranteed that you will be required to have insurance on your property.
- Lesson #2: If you default on your payment to the insurance carrier and the insurance policy and its coverage lapse the bank will secure insurance on your behalf charging you for it, and at a premium price most likely.
Common Question: What Does Insurance Cover?
That can be a trick question because most policies vary. The things you need to think about are what is the amount of risk or liability covered for an individual or entity by way of insurance services. Insurance coverage is issued by an insurer in the event of an unforeseen or unwanted occurrence. Personal property coverage may not help protect everything you own. You may find that certain types of belongings, such as jewelry or a coin collection, have limited coverage under a standard policy. Some other situations that require additional insurance is water damage or better known as flooding or ground water intrusion. Flooding is not covered under a standard insurance policy. Another situation that has questionable coverage is sewage backups. Depending on what the source of the backup will determine coverage. Check out your water IQ; Having a good understanding of what is and what is not covered when it comes to insurance coverage is the key to peace of mind before filing a claim.
Know the Lingo
When vandalism happens to your home or business SERVPRO can make the aftermath, "Like it never even happened."
What is lingo?
It is the language used by a certain group to communicate commonly used word or words to describe a situation. If you are out of the loop with the slang used by a group then it is nearly impossible for you to understand the conversation taking place. The same can be said for homeowners discussing their insurance policies with a carrier, agent or adjuster. Sometimes our job includes being the bridge between the customer and the insurance adjuster. With so many restoration companies to pick from why choose us? It's simple, we are here to help you!
Recently, we were called out to property in East Falmouth that had been broken into while the family was away. The homeowners had called their insurance carrier and the local authorities to report the break in and damage done. Once the police were finished with processing the crime scene and the insurance adjuster had determined the cost of the damage it was our turn to restore the property. Some of the damage included the finger printing powder used by the officers to investigate the crime scene along with the evidence of broken glass, the blood associated with the broken glass and the fire extinguisher residue that was sprayed by the criminals throughout the premises. But the mess did not end there. It was apparent that the party had made its way into the backyard where more damage was done to a fence and shed. In an instance like this one there were so many parties involved in this claim that the property owner felt overwhelmed. We helped them with the process and though the trauma of the vandalism will never go away completely our team helped to make the damage, “Like it never even happened.”
To better help property owners with these types of situations below is a cheat sheet to help with the lingo needed to reclaim your life after a property damage. We hope that by defining the following "lingo” when dealing with a property damage there is a sense of knowledge and we all know that knowledge is power.
- Dwelling protection. This coverage typically covers your home and attached structures, like a deck or garage. The key word here is “attached.” I shed or fence may not be covered under a dwelling policy.
- Personal property protection. From furniture to electronics, this coverage may help pay to replace belongings that are stolen or damaged by a covered loss. You are going to want to make sure you have a list of these items along with appraisals of their value.
- Other structures protection. This coverage may help pay to repair or replace structures on your property that aren't attached to your home, like a fence, detached garage or shed, if they are damaged by a covered peril. Note: as mentioned above this is not considered dwelling protection.
- Family liability protection. Accidents can happen. Liability coverage may help protect you if someone is injured on your property and you are found legally responsible for damages. Just because someone is family doesn’t mean you aren’t at risk of being sued.
- Guest medical protection. If a visitor is injured at your home, this coverage may help pay for their resulting medical expenses. This coverage is a must if you’re the family that is planning the big party after graduation to celebration.
- Additional living expenses. This coverage may help you pay for temporary increased living costs, such as hotel bills, if you are unable to stay in your home after a fire or other covered loss. We often get asked about this coverage. It’s important to know you have the right to housing if you are unable to stay at your property due to harmful conditions.
- Deductible. This is basically the amount “deducted” from an insured loss and represent a sharing of the risk between the insurance company and the policyholder. What is my deductible is by far our #1 question from insurers. Look for more information about deductibles with our next blog posting, Know Your Deductible.