What to Do When Making an Insurance Claim After Water Damage
Call us to help with beginning your water damage claims process.
How to begin a water damage claims process
Whether it comes from bursting pipes, a broken appliance or a leaky roof, water can cause significant damage to your South Central, MN home. It can damage building materials, cause mold growth and ruin electronics. Homeowners insurance can help you pay for repairs. Take the following steps if you find yourself in this situation.
1. Call Right Away
It is important to start your insurance claim as quickly as possible. Not only will this result in completing the process sooner, but it will also help ensure that your claim isn’t affected. Some policies require you to report water damage within a certain time. If this is not done, it can reduce the amount you receive or can result in your claim being denied.
2. Document the Damage
Your insurance adjuster will need information on the areas of the house that were damaged, including whether there are bursting pipes and flooding, as well as any belongings that may need to be repaired or replaced. You should provide a list with pictures and the estimated value of included items.
3. Perform Mitigation
Mitigation is the process of preventing damage from spreading and worsening. This should be done quickly to reduce the amount of time and money needed to make repairs. An emergency cleanup and restoration company can inspect your home, fix broken pipes, remove water and repair the building along with damaged belongings.
4. Go Over Your Policy
Because individual insurance policies will vary, you should read over yours carefully. Make sure that you are familiar with anything that is required of you while making a claim as well as what is covered by your insurance. This will help the process go more smoothly.
Bursting pipes and other causes of damage can be frustrating to deal with. Making an insurance claim can also be stressful if you are unprepared. Following these steps can help you get through the situation more easily.
For help with your water damage claim call the experts at SERVPRO of Mankato/Owatonna at 507-200-3700
Covid Cleaning for Trucks and Service Vehicles
We are now available to clean your fleet! Trucking companies, delivery vehicles, and service vehicles can be cleaned using our 3 C's, products and techniques from our Certified: SERVPRO Cleaned program. Both proactive and reactive cleanings are available.
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 – until life is back to normal in the communities we all call home.
Call SERVPRO of Mankato/Owatonna today at 507-200-3700 for your Certified: SERVPRO Cleaned consultation.
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.
SERVPRO of Mankato/Owatonna is Here to Help through the entire claims process
SERVPRO franchise professionals understand your situation. As an agent or adjuster, you have a responsibility to keep claims costs down while still providing the best services possible for your customers.
SERVPRO Franchise Professionals are uniquely qualified to help. Our results create a measurable difference, giving you many competitive advantages.
Emergency Response to Claims
Restoring property is the SERVPRO franchise professional's first priority. Your customer will appreciate the immediate response and you will know everything is being done to limit the damage.
Pretesting Reduces Claims Expense
Restoring property is less expensive than replacing property. Claims Professionals know the rule is, "Restore whenever possible, replace only when necessary." SERVPRO franchise professionals make sure pretesting is completed on every loss to determine restorability.
Claims Inventory Service
SERVPRO franchise professionals can provide an itemized loss inventory. You will receive an Excel formatted report and pictures of important items.
Electronic Claims Information
Our Claims Information Center provides fast, accurate information you need to make sound decisions, including:
- A Complete Electronic Job File.
- First Notice of Loss.
- Detailed Estimate.
- Digital Loss Photos.
- Scanned Forms and Paperwork.
- All delivered by email or hard copy.
- On-line Access to All Files.
- New Assignments.
- Pending Jobs.
- Completed Jobs.
- Informative Reports to Improve Results
- Performance Comparison to Industry Standard.
Superior, Time-Tested Training
Effective training is the best way to help ensure your customers receive the service they deserve. Franchises are trained to IICRC standards in Fire and Water Cleanup and Restoration. In addition, continuing education classes are available to franchise professionals and insurance clients at our state-of-the-art IICRC Approved Training Facility.
Vendor Qualification Compliance and Professionalism
If you call SERVPRO, we will use only qualified vendors to service your customer. That commitment resulted in:
- A Customer Care Center to achieve prompt handling of the claim.
- Implementation of best practices and job process programs.
- National Accounts qualification criteria and annual compliance checks.
- Crew and vehicle standards.
- Insurance requirements.
- File documentation requirements.
- Quality assurance program.
Serving Adjusters and Their Clients
A SERVPRO franchise professional's job is to reassure the customer, perform quality service and to report to you quickly. We know your job is to interpret the policy and adjust the claim... and not to deal with problems from vendors! Working together we strive to save you time so you can focus on priority files, while having complete control of every loss you are assigned. 24-hour emergency response, damage mitigation, loss assessment, and an electronic file are available to you within hours. SERVPRO franchise professionals’ documented, measured performance increases value to you and your shareholders, managers and customers.
Hard-earned results have made SERVPRO leaders in the fire and water cleanup and restoration industry. The SERVPRO System is geared to achieve customer satisfaction and mitigation results, adding to your company’s competitive advantage.
3 Fire Extinguisher Facts for Businesses
Call SERVPRO of Mankato/Owatonna for fire damage cleanup in your Mankato workplace
3 Facts About Fire Extinguishers
A fire extinguisher is a crucial piece of safety equipment that can save lives and spare commercial properties from extensive damage mandating professional cleanup and restoration. Because of this, every business in Mankato, MN should maintain at least one functional device. To ensure it’s readily available in an emergency, every owner and manager should also recognize three key facts about this vital fire suppression tool.
- Device Doesn’t Last Forever
Extinguishers do not have an indefinite shelf life. Unfortunately, they also do not typically come with an expiration date sticker.
To determine the viability of your device, you should complete annual inspections and check for compromised components. Specific defects that may make it unusable include a broken handle, missing locking pin or a cracked nozzle. The gauge should also be in the green. If it’s not, replace the device.
- Multiple Types Exist
A fire extinguisher is designed to battle specific types of infernos. Class K units, for example, can douse a kitchen fire sparked by grease while a Class A device is designated for use with blazes involving ordinary combustibles, such as wood and paper. Additional distinctions include Class C for electrical fires and Class B for flammable liquids.
Attempting to smother flames with the wrong type of device can be ineffective. To combat this potential dilemma, evaluate your company’s specific fire risks and purchase your extinguisher accordingly. Check the canister’s label to confirm the class. You can also purchase a multipurpose device, which can be used against a variety of blazes.
- Should Be Accessible and Visible
Minimizing fire damage requires prompt action. To ensure an expedited response, mount your extinguisher in a safe, accessible place and post signage to identify its location. You should also ensure staff recognize this area and refrain from blocking the site.
Because an inferno can erupt suddenly, having a functioning fire extinguisher easily accessible is a crucial safety strategy. Understanding key aspects of the device can ensure it’s in prime operating condition and ready to perform in an emergency.
If your home or business experiences fire or smoke damage, call your local experts at SERVPRO of Mankato/Owatonna
The Cleaning Experts You Need Now
Here to Help SERVPRO of Mankato/Owatonna
SERVPRO is Here to Help During This Time of Need
During these unprecedented times cause by the Covid-19 pandemic, we are here to remind our customers that we are specialists in cleaning services that go far beyond janitorial services.
We are prepared to clean and disinfect your home or business in accordance to protocols set forth by the Centers for Disease Control and Prevention (CDC). We have years of experience in dealing with biological contaminants. We have the training, staffing, equipment, and cleaners needed to do any scope of work.
The CDC recommends cleaning and disinfection of high-touch or high-traffic areas in your home such as counters, tabletops, doorknobs, light switches, bathroom fixtures, phones, keyboards, remotes, and electronic devices. In commercial spaces they recommend the disinfection of:
- Classrooms/School Facilities
- Office Areas
- Retail Spaces
- Water Fountains
- Sales Counters/Registers
- Carpets and Rugs
- Stair railings
- Playground Equipment
- Residential Halls
- Elderly Living Facilities
- Fitness Facilities or Equipment
The CDC recommends usage of a labeled hospital-grade disinfectant with claims against similar pathogens to the coronavirus. Many products in the SERVPRO product line carry the EPA-approved emerging pathogens claim. While there are currently no products tested against the specific strain of the coronavirus, we follow all guidelines as provided and updated from the CDC and local health officials.
Call Today for Proactive or Reactive Covid-19 Cleaning with the Certified: SERVPRO Cleaned Program
Call SERVPRO of Mankato/Owatonna now!
Fire Damage in your Owatonna Home
If you have fire, smoke, soot or water damage from firefighting efforts, call 507-200-3700.
FIRE Damage in your Owatonna Home
According to a report published by the National Fire Protection Association:
- Every 24 seconds a fire department in the United States responds to a fire somewhere in the nation
- A fire occurs in a structure at the rate of one every 63 seconds
- A home fire occurs every 87 seconds
SERVPRO of Mankato/Owatonna has been providing a variety of fire restoration and cleaning services to Minnesotans for years. Our team of highly trained technicians are certified in fire restoration to safely clean and restore household items damaged by fire. We will pretest your belongings to determine what can be restored to pre-fire condition and we use several methods of cleaning including:
- Dry Cleaning - used for cleaning light residues or to pre-clean prior to wet cleaning
- Wet Cleaning - an effective cleaning method for removing moderate to heavy residues
- Spray and Wipe -effective for items that can’t withstand wet cleaning
- Foam Cleaning - used for upholstery fabrics that might shrink or bleed if wet cleaned
- Abrasive Cleaning - involves agitation of the surface being cleaned
- Immersion Cleaning - contents are dipped into a bath of the cleaning product
SERVPRO of Mankato/Owatonna is on call 24 hours a day to respond to any size fire damage emergency. Call us today at 507-200-3700. We’ll clean up your fire, smoke, soot, and water damage from firefighting efforts.
Checking for Mold this Fall
Found Mold? Call 507-200-3700
Mold season is the time of year when mold is most likely to grow due to factors like location and climate. While mold can grow any time, but there are certain months out of the year that mold growth is most common. Mold growth is most common from early spring to mid-fall, but peaks during late summer. Be sure to check for excess moisture on your property during weather and climate changes, such as snow thaw, heavy rain, and humidity.
Mold forms when its airborne spores encounter moisture and food sources, such as wood, dirt, and paper. Moisture can be found in humidifiers, leaky roofs and pipes, flooding, and on walls. Mold growth has an unpleasant odor, and causes damage to the structural core of the building. It also increases the risk of allergens and infections in the residents of the home. Young children, the elderly, and those with weak immune systems are the most at risk for health effects.
Winter is the season when mold is dormant, but that doesn’t mean the threat is completely gone. Mold doesn’t die out during winter – it “hibernates,” especially in areas with extremely low temperatures. Areas with mild winters may experience mold growth all year long. After the mold has been dormant for the winter, it can find hosts in damp places or dead plants. To prevent this, have a mold remediation specialist, like SERVPRO of Mankato/Owatonna come in and assess and resolve the issue. Be alert during early spring to mid-fall and learn about mold damage during each season.
Fall is the time of year when mold slows down and begins readying to “hibernate” during the winter. Fall is the easiest part of the mold season because the mold becomes dormant due to the increasingly cold weather and homeowners don’t have to worry about rain or humidity causing mold growth. However, continue to check your home for mold in mid-fall to remove the dormant mold before wintertime.
As temperatures are dropping and we are considering all the ways we need to prep ourselves and our homes for winter, consider checking for mold! If you find something concerning or you are unsure, call an expert, SERVPRO of Mankato/Owatonna, for your mold remediation!
To learn more about mold remediation vs "removal" visit our website or call 507-200-3700
Storm Season 2020
Storm teams across the US from SERVPRO have come together to help Southern states after months of damage created from hurricanes and tropical storms. SERVPRO of Mankato/Owatonna has spent the last month helping these communities begin to recover after the devastating effects of these storms. Water removal, drying, mold remediation and clean up of materials have been the daily routine for our team. It is an honor to be a part of such a renowned national team who is trusted to help families and businesses begin the process of cleanup and saving what was left in the storms' path.
The 2020 Atlantic hurricane season runs from June 1 to November 30. So far, there have been a total of 26 tropical or subtropical cyclones, 25 named storms, 9 hurricanes, and 3 major hurricanes. With 25 named storms, it is the second most active Atlantic hurricane season on record, behind the 2005 season. The devastation has amounted in 144 deaths and $24.225 Billion in estimated damages. SERVPRO has been there from the beginning to try and pick up the pieces, and be a part of the resolution.
Our location has been able to help numerous homes and businesses every day. With more storms to come, the SERVPRO teams are dedicated to helping until the storms have passed. With our over 1,700 locations, we are Faster to any size disaster. 2020 has been a tumultuous year for many families and businesses and the storm season has made it even more devastating. However, the folks in Lake Charles, Louisiana, where we have centered our help, have been kind, warm, welcoming and so appreciative of our team. Amidst disaster, this community is coming together to triumph after trauma.
SERVPRO of Mankato/Owatonna
Signs Your Home May Have Water Damage
Water bill shockingly high? Something may be leaking!
Signs Of Water Damage
Even the smallest water leak is capable of costing you thousands of dollars in repairs and remediation, but the earlier you catch the issue, the sooner and more efficiently it can be fixed. Lucky for you, SERVPRO of Mankato/Owatonna, MN, is Faster to Any Size Disaster.
There are many causes of a water leak, including but not limited to:
- Pipe break
- The freeze/thaw cycle
- Broken seals
- High water pressure
- Clogged lines
But how do you know when you need to call your local water damage specialists?
1. Staining on Walls
Discoloration on walls or ceilings is one of the most common signs of water damage. Always look out for those mysterious-looking brown patches, and act fast if you spot one. Water staining doesn't develop overnight — the water may have been leaking for days or even weeks by the time the discoloration becomes perceptible.
2. Pricey Water Bills
If your water bill has been increasing even though your usage has remained about the same, you might be relieved to hear that this could be a sign of a pipe break or other water line malfunction. All that expensive water is going somewhere, and it's crucial to put a stop to it before it does too much damage.
3. Poor Water Pressure (or None at All!)
Another sign of a leaky pipe is a sudden change in your water pressure or no water coming out of the faucets at all. This is caused by the water draining out of the pipe break and not leaving enough water to be distributed to the rest of the system. If you encounter this issue, the water is likely gushing out in a place where you don't want it, so make sure to get help before it develops into a full-fledged flood.
By keeping an eye out for these three signs of a water leak, you might just be protecting your commercial building from a messy and costly disaster.
Call your South Central MN Water Damage Specialists if You Encounter Any of These Signs
Highly Trained Professionals
Let SERVPRO of Mankato/Owatonna guide you
We keep up with every bit of training to assist our Southern Minnesota homes.
When a Southern MN homeowner tries to determine the extent of a water loss, both instincts and common sense can fall short. When water gets loose inside your home, it can migrate far from the original plumbing break, roof leak, or appliance breakdown. Without the tools to detect the path the water followed, significant damage can go unnoticed. Our investments in education and innovative moisture identification tools help avoid additional expense and secondary damage, why we offer our help.
Water Detection is a Science and an Art
The Institute of Inspection, Cleaning and Restoration Certification (IICRC) courses our managers and production technicians master covers the expected and unexpected behavior of water damage inside a Southern MN home. The lathe and plaster and stucco construction of signature Arts and Crafts structures are both charming and capable of hiding water damage when it is minor and manageable. Our training and experience in tracing water meanderings behind walls and built-in fixtures explains why we are skilled in finding and solving water problems before the integrity of your home is compromised.
Aging Heating and Plumbing Plus Temperature Extremes Equal Water Damage Challenges
When your dining room oak floor develops cupping and crowning the search for a water source can be daunting. Older homes often retain their 100-year-old gravity heating, with old radiators filled with hot water from the boiler in the basement warming spaces. Rusted pipes and failing valves can slowly saturate the floor, unnoticed at first as the issue begins and then spreads from behind the radiator at the wall. Mold development on a main level wall or ceiling can trace to ice dam development the previous winter, moisture seeping in the attic from clogged gutters eventually traveling downwards. Our familiarity with this type of insidious damage is why SERVPRO of Mankato / Owatonna can respond quickly and reliably to your water damage challenges.
Sensitive Moisture Meters and Infrared Cameras
The availability of and skill in using water detection tools are why SERVPRO crews can outline water damage with accuracy and confidence. Infrared technology indicates the presence of water through temperature variations. Moisture meters establish relative levels of absorbed water in building materials. Periodic use of these tools throughout a water damage remediation project ensures we find and release liquids. Then our Applied Structural Drying (ASD)-certified technicians create an effective drying plan using the data, moving water out of structural components with temperature adjustments and air movement. Dehumidifiers capture the vaporized water for disposal. Moisture measurements continue until we reach designated levels, avoiding over or under drying.
Training and innovative equipment are two reasons why SERVPRO of Mankato / Owatonna efficiently mitigates and remediates hidden water damage. Call us at 507-200-3700 if you suspect your home, old OR new harbors damaging moisture.
Click here to find out more: https://www.SERVPROmankatoowatonna.com/water-damage-restoration