Knowing when a thunderstorm is on its way is very key when protecting your home from any damage. There are a few things to look out for whether it be from water damage or fire damage, or structural damage. Most people know to batten down the hatches on your patio or deck when we see windy, stormy weather coming, so here are some tips to check off when going around the house.
- Unplug appliances and electronic equipment when not in use.
- Remove dead or overhanging tree branches that could fall on your house if the tree is struck by lightning.
- Avoid taking a bath or shower, or running water for any other purpose. Metal pipes and plumbing can conduct electricity if struck by lightning.
- Turn off the air conditioner. Power surges from lightning can overload the compressor, resulting in a costly repair job.
- Draw blinds and shades over windows. If windows break due to objects blown by the wind or large hail, the shades will help prevent the glass from shattering into your home.
- Flood proof your home by making the foundation watertight with concrete.
Completing these tasks will help save you costly expenses if storm damage hits the Summit, Lake, Park & Eagle area. Call us at 970-949-3235 if you ever need our services!
How To Prepare for Natural Disasters
How To Prepare for Natural Disasters
The best way to prepare for a natural disaster is to have a plan in place for each type of disaster that is likely to occur in your area. For your basic emergency kit, keep these things in mind when putting it together.
Pack enough food and water for each person in the household per day. Have an updated first aid kit, cell phone chargers, important documents, and have cash on hand. If the power goes out, it may become difficult to access online banking or ATMs.
Pets need an emergency kit too! Pack their food and water, important documents, medicine, vaccine information they may have. Having a crate for your pet would be helpful in case you are relocated to a hotel or shelter. Keep a photo of you and your pet if at any time you are separated from them.
When hurricanes and flooding are planning to come to your town, keep your gas tank full if you are evacuating from your home. If you start to have water in your home, turn off your power at the breaker box to prevent damage and electrocution. Stay out of the floodwater as much as possible and move to higher ground.
Winter storms are also something to plan for each year. 70% of winter deaths are related to automobile accidents in the snow and ice. During the storm, stay inside as much as possible and make sure you eat regularly and stay hydrated. In case of power loss, ensure that you have alternative heat sources and that these are in good working order.
If you have had a disaster strike your home, call SERVPRO of Summit, Eagle, Lake & Park to help! 970-949-3235
Why SERVPRO®? 3 Ways a Disaster Remediation Team Can Improve the Mitigation Procedure
3 Ways a Disaster Remediation Team Can Improve the Mitigation Procedure
When your clients have a flood, fire or storm damage their commercial property in Summit, Lake, Park & Eagle Counties, they often turn to you as a knowledgeable source of information on a reliable restoration company. You know that the always open, 24-hour availability of a service team is important in managing the restoration process and saving many of your client’s business items. Here are three ways a disaster remediation team can improve the mitigation procedure with a quick response.
1. Timing Is Essential
When the initial call is made, the disaster team must move quickly because decisions about the scene, water removal, and area restoration often require quick and comprehensive decisions. You want the restoration service to respond to your call as soon as possible so that your clients don’t try to handle the job on their own and make matters worse. When you call a restoration company that offers an immediate on-site response with certified technicians, you know you can receive up-to-date status reports soon after their arrival.
2. Quick Mitigation is Important
A fast response is important, but so is quickly mitigating the standing water at the disaster scene. Experienced restoration and remediation service personnel understand that there is a 24-hour window before mold and mildew often begin growing in the wet environment. Quick mitigation at the scene can help prevent the growth of mold.
3. Restoration is Vital
Once the water has been removed, restoration can begin. Repairing the area can be much less costly than removing and rebuilding, so it is vital to dry the area out quickly and begin the final site assessment to look for any further damage. You know your client depends on you, just as you depend on the quick response of the restoration team.
Employing a knowledgeable team with a 24-hour window of availability can allow you to expect a quick response to any disaster scene. Choose the team that is “Faster to Any Size Disaster.”
Why SERVPRO®? The Professional Packout & Content Restoration Company for Your Home or Business
Our new FireLine Contents Restoration System
Why SERVPRO®? We’re the professional pack out and content restoration company for your home or business.
You’ve had a minor fire at your place of residence or establishment. One of the many things that cross your mind is all your sentimental valuables. Everything is affected: your autographed balls, cards, and photos from your favorite sports team, your family heirloom, your framed picture frame that contains all your degrees, and the list goes on. Just ruined. Or so you think.
When you’re faced with something as overwhelming and stressful as that, you need someone to come in to turn that into a stress-free situation. That’s where our heroes here at SERVPRO® of Summit, Lake, Park & Eagle Counties come in. Our heroes save the day by making it "Like it never even happened."®
When you have fire damage at your home or business, our team can properly pack out your belongings and perform the content restoration. We’ll treat you with respect and empathy, and we’ll always treat your home or business and belongings with care.
If your home requires extensive restoration or cleaning due to fire damage, SERVPRO® of Summit, Lake, Park & Eagle Counties can conduct an organized, efficient move-out/pack-out of the affected area. Move-out will provide several benefits, including:
- A quicker remodeling process
- Protecting items from potential damage
- Protecting contents from further on-site damage
When restoration is completed, we will work with you to coordinate the move-in according to your needs. The services offered upon move-in may depend on your insurance coverage.
If your belongings are affected by fire damage, we can restore them with content restoration. SERVPRO® of Summit, Lake, Park & Eagle Counties’ expertise and “restore” versus “replace” mentality can help you save money while preserving precious keepsakes that can’t be replaced. We pretest your belongings to determine what items we can restore to the pre-fire condition. We use several methods of cleaning your contents, 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.
If you ever wonder why SERVPRO®, it’s because we’re the professional pack out and content restoration company for your home or business. We have specific damage restoration training, personnel, and equipment. We can quickly restore your home to the pre-fire condition. Allow us to take on your next fire damage job. Call our One Team MVPs at 970-949-3235.
Why SERVPRO®? We Make the Damage "Like it never even happened." ®
When a bad situation occurs at your home or business, such as water damage, fire damage, storm damage, or mold damage, it can leave you in a bad headspace. It can leave you feeling hopeless. But, there is hope. Your hope can be restored with SERVPRO® of Summit, Lake, Park & Eagle Counties. So, why SERVPRO®? We make the damage "Like it never even happened." ®
Water damage? "Like it never even happened." ®
SERVPRO® of Summit, Lake, Park & Eagle Counties is your local professional water damage repair and restoration company. No matter if your home or business has water damage from an internal or external source, we identify the water source, get to the root of the problem, and solve it. Don’t allow that water damage from flooding or leaks cause you a flood of emotions. Our experienced and qualified heroes can get your property back to "Like it never even happened." ®
Fire damage? "Like it never even happened." ®
Our heroes here at SERVPRO® of Summit, Lake, Park & Eagle Counties specialize in fire damage repair and restoration. We are your local professional fire damage repair and restoration company. Our experienced and qualified heroes can get your property back to "Like it never even happened." ® We have the specific damage restoration training, personnel, and equipment and can quickly restore your home to pre-fire condition.
Storm damage? "Like it never even happened." ®
We specialize in storm damage cleanup and restoration here at SERVPRO® of Summit, Lake, Park & Eagle Counties. When you are dealing with storm, flood, and water damage, immediate action is crucial. You should choose the company with storm damage experience and expertise that has the resources and equipment to handle the job.
Mold damage? "Like it never even happened." ®
SERVPRO® SERVPRO® of Summit, Lake, Park & Eagle Counties is your local professional mold remediation and restoration company. Mold damage can do a number on your residential or commercial property. Did you know a mold infestation can quickly arise and spread throughout a home in 48-72 hours? Our team of heroes specializes in mold remediation. Because mold can produce allergens and irritants, you will want a professional who has training and experience to properly resolve the mold infestation. If you suspect that your residential or commercial property has a mold problem, our heroes can inspect, assess, and remediate your property. We fit the “mold!”
The point is, no matter what kind of damage you have, there is no job too big or too small for the heroes at SERVPRO® of Summit, Lake, Park & Eagle Counties. We have the capacity to take on and handle ANY job. If you ever wonder why SERVPRO®? It’s because we can make the damage "Like it never even happened." ® When you’re ready for those kinds of results, just call 970-949-3235.
24/7 Fire Damage Company
Fire damage does not have a set time that it occurs. It typically happens when you least expect it. When that does happen, you need a 24/7 fire damage company to come to you and your family’s rescue. That’s what the heroes at SERVPRO® of Summit, Lake, Park & Eagle Counties do on a daily basis. We are available 24 hours of the day (including holidays), 7 days a week for your emergency needs. We’re Here to Help and to make that fire damage at your residential or commercial property "Like it never even happened."®
Have you ever been on vacation, soaking up the rays, playing in the sand, enjoying that quality family time together on the beach? Then, you receive a phone call from your neighbor notifying you of that fire at your place? Or, perhaps, you’re at work, completing all your to-do items, exceeding all your goals, receiving compliments from your boss about the fantastic job you’re doing, telling you you’re a valuable asset? You’re just having a winning day. Then, you go home for lunch and, surprise, a fire in your kitchen. As you can see, fires can happen at the least unlikely time.
When your home or business is hit with a fire, it’s vital you know what to do. Here are some fire damage emergency tips for you:
- Limit movement in the home to prevent soot particles from being embedded into upholstery and carpets.
- Keep hands clean so you don’t further soil upholstery, walls and woodwork.
- Place clean towels or old linens on rugs, upholstery, and carpet traffic areas.
- If electricity is off, empty freezer and refrigerator, and prop doors open.
- Clean and protect chrome with a light coating of petroleum jelly or oil.
- Wash houseplants on both sides of leaves.
- Change the HVAC filter.
- Tape double layers of cheesecloth over air registers.
Our experienced and qualified heroes are faster to any size disaster and can get your property back to Like it never even happened.® We’re dedicated to responding immediately -- day or night -- to your home or business. A faster response helps to prevent secondary damage and to reduce costs.
If you have a fire at your home or business and need a 24/7 fire damage company, you can rely on SERVPRO® of Summit, Lake, Park & Eagle Counties. We are your local professional fire damage repair and restoration specialists. Will you give us your next restoration job? We’re just a click away and/or phone call away. Call 970-949-3235.
Wildfire Prevention and Fire Restrictions
Wildfire Prevention and Fire Restrictions
More than 80 percent of wildfires are caused by humans, so each of us plays a role in preventing a wildfire. It’s important to be aware of and abide by current fire restrictions. And it’s important to understand wildfire prevention strategies related to camping, campfires, driving, outdoor equipment use, smoking, shooting and more.
Summit County Fire Restrictions
In January 2020, the Board of County Commissioners and the towns of Blue River, Breckenridge, Dillon, Frisco and Silverthorne approved and adopted a year-round fire code that prohibits non-permitted open fires. Violators are subject to fines of up to $250. The Dillon Ranger District of the White River National Forest is currently in Stage 1 Fire Restrictions. Violators are subject to fines of up to $5,000 and/or six months in jail.
Prohibited Activities and Uses
Stage 1 fire restrictions, and Summit County’s year-round fire code, prohibit building, maintaining, attending or using an open fire. An open fire is defined as any outdoor fire, including but not limited to campfires, warming fires, bonfires or prescribed burns of any material.
The following activities are prohibited under Stage 1 fire restrictions and the fire code:
- Building, maintaining, attending or using an open fire
- Use of fireworks
- Use of tracer ammunition
- Use of any projectile containing explosive material, incendiary material or other flammable chemical substance
- Use of recreational explosives, including explosive targets
- Disposal of any burning object outdoors, including any cigarette, cigar or match.
Allowed Fire Activities and Uses
Fires: Fires are allowed in constructed, permanent fire pits or fire grates within developed recreation sites, such as campgrounds and picnic areas. Fires are allowed on private property if contained within a commercially designed and manufactured outdoor fireplace or portable outdoor fireplace (including chimeneas) that is assembled, located and operated in accordance with the manufacturer’s instructions. Any such device must also meet the following criteria:
- The resident or property owner has obtained a valid permit from the local fire district.
- The device must be equipped with a protective screen that reduces the spread of embers.
- The area directly underneath the fire is barren.
- The fire is at least 15 feet from any flammable material or structure.
- The size of the fire is no larger than 3 feet wide and 2 feet tall.
- Only nontoxic fuel sources such as wood or charcoal may be burned.
Natural gas and propane-fueled fire tables and fireplaces that have on/off switches do NOT require a permit from the fire district.
Required Safety Measures: Any of the allowed fire uses and activities must be conducted with the following safety measures in place:
- The fire must be constantly attended by a responsible adult.
- The fire must be extinguished and cool to the touch prior to it being left unattended.
- The supervising adult must have available for immediate use a portable 2A10BC fire extinguisher, 5 gallons of water or a charged garden hose.
Grills: Use of gas, propane, charcoal or wood pellet grills are allowed under Stage 1 restrictions.
Pile burns: Wood pile burns are allowed only with all required permits from the local fire protection district and Summit County Environmental Health. Certain restrictions and precautions apply.
Smoking outdoors is allowed under Stage 1 fire restrictions, and Summit County year-round fire code, as long as the individual is at least 3 feet away from any natural vegetation or flammable materials. On U.S. Forest Service lands, smoking is only permitted within an enclosed vehicle or building, a developed recreation site or in a barren area free of vegetation.
- Operation of a chainsaw, trimmer, mower or similar internal-combustion-engine-powered equipment is permitted as long as the operator is equipped with a 2A10BC fire extinguisher available for immediate use, and the engine is equipped with an approved spark-arresting device.
- Welding is permitted when the operator has a valid permit, the device is at least 15 feet away from any natural vegetation or flammable materials and a 2A10BC fire extinguisher is available for immediate use.
Restrictions in Other Counties
For information about fire restrictions in other counties, view statewide fire restriction and fire danger information across Colorado.
Wildfire Prevention Strategies
Summit County, in partnership with local towns and the Dillon Ranger District of the White River National Forest, is using a variety of strategies to prevent wildfire. Join us in our efforts by reviewing the info below and taking appropriate action. Help us stop a wildfire before it starts.
- CampfiresVehiclesSmokingShootingEquipmentDebris Burning
Campfire Safety to Prevent Wildfire
- Check For Restrictions: Find out if local fire restrictions are in place: Stage 1 Fire Restrictions, and Summit County’s year-round fire regulations, allow recreational outdoor fires only in developed campgrounds, inside permanent fire pits or fire grates; or in commercially manufactured fireplaces on private property for which the owner has obtained a valid permit from the local fire district. Outdoor fireplaces must be placed on barren ground 15 feet from any flammable material or structure and have a protective screen to catch embers. Stage 2 Fire Restrictions prohibit campfires altogether.
- Burn Safely: Keep all recreational fires small, and always have a charged hose, 2A10BC fire extinguisher or bucket of water nearby. A responsible adult should monitor the fire until it is completely out. Unattended campfires are one of the most common causes of wildfires.
- Put Out Completely: Drown the fire with water, and stir with a shovel to wet all ash and coals. Feel them with the back of your hand – they should be cool to the touch. Move some dirt onto the fire site and mix thoroughly to create a cool, wet "soup."
Wildfire Prevention Patrol
Summit County has partnered with the U.S. Forest Service to conduct wildfire prevention patrols. A four-person U.S. Forest Service crew is patrolling the Dillon Ranger District of the White River National Forest throughout the summer.
The crew conducts campsite monitoring, visitor contacts and fire-prevention messaging throughout the Dillon Ranger District, which is located entirely within Summit County. Crew members inform visitors about U.S. Forest Service and Summit County regulations that protect natural resources and prevent wildfires. Contact with individuals in undeveloped, dispersed campsites is the top priority. In addition to the USFS crew, personnel from the Summit County Sheriff's Office also conducts fire-prevention patrol work.
The Wildfire Prevention Patrol is a Summit County Strong Future initiative.
Wildfire Evacuation KitBelow is a list of items to consider including in your household's wildfire evacuation kit. The items in your kit may vary depending on the needs and priorities of your household, as well as the circumstances of a given wildfire, such as the scale of the incident and access to food, water and shelter.
- Baby supplies (bottles, formula, diapers, baby food)
- Can opener
- Clothing, hats, sturdy shoes
- Duct tape
- Emergency blanket and/or sleeping bags
- Emergency contact information
- Family contact information
- First aid kit
- Food: Non-perishable, 3-day supply
- Games and books
- Glasses and contact lenses
- Hand sanitizer
- Items of sentimental value that could not be replaced
- Keys: House, vehicles
- Medical items, devices, records and information
- Medication: 7-day supply; list of medications
- Personal documents (proof of address, home lease/deed, passports, birth certificates, insurance policies)
- Pet supplies: food, leash, carrier, bowl
- Phone, tablet, laptop and power cords
- Rain gear
- Toiletries and personal hygiene items (toothbrush, toothpaste, shampoo, deodorant, moisturizer, razor, soap, sun screen, hair brush)
- Water: 3 gallons/person
- Work gloves
Recovering from Fire Damage: What To Do After A Fire Disaster
1. Get in touch with your insurance agent as soon as possible.One of the first phone calls you need to consider making after a fire disaster should be to your insurance provider.
One of the first phone calls you need to make should be to your insurance provider. Before you start planning ways on how to deal with the damage, inform your agent of the incident so you can go over the details of your insurance coverage.
Be sure to confirm if there are any inclusions in your policy that you may have missed or overlooked – like a living allowance or temporary accommodation assistance, perhaps. You also have to discuss the claims process and what you can do to speed things up.
Most importantly, don’t forget to advise the agent of your immediate fire damage remediation plans. Wait for the insurance company’s go signal before taking any action.
2. Ask for a copy of the fire report.
A fire report contains the critical details surrounding and contributing to the fire incident. It also includes basic information such as the date and time, the location, an account of the damage, and the source of the fire (if known). All this data is essential to your insurance claim.
Fire reports are public documents, so you shouldn’t have any problem requesting a copy.
3. Start the mitigation process.
Fire can continue to endanger lives and cause damage to property even after it has been put out. Weakened structures can cave in, and damaged pipes can burst. There’s also the risk of inhaling toxic chemicals from the smoke residue and complex mix of gasses released into the air.
It’s important to start fire damage mitigation as soon as possible, but this is not something that you should do on your own. Let a local fire damage mitigation company take care of that for you.
4. Keep a record of all the damaged items.
Homeowners insurance usually includes contents coverage, which means your policy will also cover the replacement cost of items destroyed in the fire. Insurers typically ask for an inventory of personal properties damaged during the fire. To ensure that everything is accounted for, create a register of your belongings, and document your losses.
As you secure and mitigate the damage on the property, make a list of all damaged items and photograph them for proof. If possible, include the date of purchase, price, a description of the items on the inventory, and online statements.
If you lost important documents in the fire – driver’s license, passport, birth certificates, deeds, and title, etc. – you’ll have to replace them immediately. Some of these documents are necessary for the claim. Ask your agents which documents are needed, and request for them first.
Preparing a detailed record of your possessions and documentations beforehand will save you time and may help expedite the claim.
4. Clean the property and move undamaged items.
Fire disasters often leave the property looking dark, stained, and scorched. Thus, the fire damage cleanup and restoration crew usually spends the first phase of the clean-up scrubbing soot, smoke, and dust that stuck on the surfaces.
The next phase is water damage restoration. During this part of the clean-up, standing pools of water are removed by using submersible pumps. Afterward, these areas undergo drying and sanitation. Sanitation is vital to prevent any health issues due to water contamination.
Another critical issue that fire damage restoration professionals address is the odor. When smoke enters a room, it usually leaves behind an unpleasant stench that tends to stick on walls, carpets, upholstery, etc. Areas directly affected by the fire and the rooms nearby have to be cleaned and deodorized.
The final part of the clean-up involves segregating the damaged from undamaged items. Allocate storage space for the things that look good enough to keep and set them up for cleaning. Anything that’s badly burned or soaked in water should be disposed of properly – ask the restoration company if they can do that for you.
5. The restoration process.
Rebuilding a home after a fire can be very costly. As such, you need to document all the repair and replacement expenses to prove the extent of your loss and recovery costs. The claims process will move quicker if you’ve got all the requirements ready. Should you any need help with your insurance claims, you can ask your restoration contractor for help.
Restoration brings your home back to its pre-damaged state so you and your family can go back to living your normal lives. Most restoration companies offer a wide range of services. They can help you in almost all aspects of the process, from repairing furniture to installing new walls.
Some fire damage restoration companies, however, can do more than just restore the property. They also offer renovation services, so your home ends up looking even better than it did before.
Preventing Fires at Home
Recovering from a fire disaster is a fulfilling and rewarding feat, but it’s not something you wish to experience or go through again. Preventing house fires can be as easy as installing a smoke detector or keeping a fire extinguisher at home. Even the simplest safety measures can make a big difference.
Many local fire damage restoration companies also provide fire prevention consultation services. Should you need any advice on how to better equip your home against fire risks, ask a pro.
Steps to Take Immediately After a Storm Damage
Storm damage can occur at any time and can cause an immense amount of harm to your home. Heavy rains can cause flooding and powerful winds can cause roof damage and downed trees on your property. Some post-storm damage can create safety and health hazards as well, so having a strategy to deal with damage will help you to be ready to take steps immediately after the storm.
Take Safety Precautions
Heavy winds and rain can create physical hazards such as collapsed roofing materials, window damage, collapsed walls or standing water in the basement or home interior. In addition, moisture can soak into furniture, carpeting, and building materials making the perfect environment for mold growth that can cause health effects. Shut off the main gas line if you smell gas. Beware of broken glass, exposed nails, and other sharp objects on the property. Contact a reputable property restoration company to help do basic tasks to secure your property and make it safe to use. If necessary, arrange for an alternative place for you and your family to live while your property is being restored to safe living condition.
Photograph the Damage
If it is safe to move around your property, use your cellphone or a camera to photograph the damage so that you will have a record for your insurance company. This action will ensure that you are fully compensated.
Contact Your Insurance Company
Contact your insurance agent to notify them about the damage to your home immediately. The company will send out an adjuster to determine the extent of the damage so that payment for repairs can be made.
Look Into Federal Disaster Assistance
The federal government may have declared the area affected by the storm as a disaster area that is eligible for low-cost loans to help restore your property to normal. You will be required to file documents to receive these loans.
When a storm-related disaster strikes, it may seem overwhelming, but these steps can help you to begin the process of restoring your home, and your life, to normal. At SERVPRO of Summit, Lake, Park & Eagle , we provide 24-hour emergency disaster service. We specialize in the stabilization and restoration of homes and businesses that have suffered small or large loss from water, flood, wind, storm, fire damage, and smoke disaster.
What is a Large Loss?
A disaster has hit your home or business and left behind an excessive amount of damage. In the blink of an eye, you’ve lost your property and belongings. You’re also potentially looking at spending a large amount of money and time on repairs and renovations. Because of the extent of the damage, you will most likely be looking at a large-loss situation. But what exactly does that mean? What steps should you take to start putting your life back together? Fortunately, knowing what to expect and who to contact in a large-loss situation can help you wade through a lot of the unknown.
What is Large Loss?
For the most part, “large loss” is exactly what it sounds like. It’s any situation where there’s been a significant amount of damage to your property. For example, if a home has suffered a fire or several inches of flooding, the damage would most likely be extensive. There may be thousands of dollars worth of damage to the structure of the home and its contents. But determining whether damage constitutes as large loss is not just dependent on the amount of money involved, it varies per situation. Unfortunately, this means that there’s no set of rules or instructions to help you wade through it all. There are, however, several factors that can assist in determining whether or not your damage constitutes as large loss.
Damage can usually be considered a large loss when:
- A significant area or portion of a structure is damaged
- Damage results in a very complex set of repairs to restore things to their original state
- Most of the structure has to be replaced
- A large part of the business is put to a halt because of the damage
When you break it down, a large-loss project can be categorized by one or more of several different factors:
- The cost to restore the use of the structure to a “like new” condition
- The sheer size of a facility
- The specific use or purpose of a facility
While there is no structure or facility that is 100% safe from damage, some are definitely more time-consuming and pose more of a challenge to resolve.
Large Loss and Insurance
When disaster strikes, you need to know that your insurance company has your back. Being confident that you’re taken care of will help you begin the process of clean up, restoration and recovery. When it comes to insurance restoration, the extent of the damage to your structure will determine how your claim is handled and the steps you will need to take to move forward. You could be hit with the daunting task of renovating or rebuilding your property. In many cases, you may also have the added responsibility of replacing or salvaging things like documents, materials, equipment, or memorabilia. Regardless of what your situation looks like, it’s important to know just what your insurance policy covers.
What Will My Insurance Cover?
Before damage hits your home or business, it’s important to understand what your insurance policy does and does not cover. If you aren’t sure what you’re protected from, now might be a good time to call your insurance agent and find out!
Typically, your insurance policy pays to rebuild or repair your home or office building if it is ever damaged or destroyed by things like lightning, hail, a fire, a hurricane, or other disasters or accidents noted in your policy. Keep in mind, however, that many standard home insurance policies do not cover damage caused by an earthquake or flood. Knowing this ahead of time and having clarity on just what is included in your coverage could save you a huge headache in the event that you ever need to file a large loss claim.
What Should I Look For?
When searching for insurance coverage, your policy should cover the cost of clean up and repairs from natural disasters. It should also cover the cost of bringing your building up to code compliance. Remember, codes change over time. If your building was not in compliance at the time the damage occurred, you will want to make sure that gets addressed once you start repairing or rebuilding. Your policy may also cover additional living expenses. This includes things like renting an apartment or paying for your hotel stay while your home is under renovation. To make sure you’re well-covered, search for a policy that will pay to have your home rebuilt, if needed. The more protection you have, the better off you’ll be in the event of a disaster.
Single Structure Loss
Homeowners insurance coverage typically provides financial protection against damage or loss due to accidents, theft, and other disasters. This could include things like flooding and water damage, storm damage and electrical fires. When it comes to suffering large loss, you want to make sure you’re well-covered. We often use $50,000 as a break point of what really constitutes a large loss for a single structure. Other factors could be the number of affected floors of a multi-story building or the size and square footage of the facility itself.
A weather disaster that has destroyed multiple homes, communities, or even a large portion of a city or town is very clearly considered a large loss. Natural disasters such as hurricanes, floods, tornadoes and wildfires all tend to do an extensive amount of damage. Some of the more memorable natural disasters over the last few years have resulted in billions upon billions of dollars in damages:
- Colorado Wildfires
- Hurricane Harvey in Houston, Texas
- Hurricane Michael in the Florida Panhandle and the Gulf Coast
- Northern California Wildfires
- Hurricane Florence on the East Coast, specifically the Carolina's
- Southern California Wildfires
- Hurricane Irma in Florida, Puerto Rico, and Cuba
And so many more