Recent Storm Damage Posts

Plan For Storm Damage in Northern Summit County

4/3/2020 (Permalink)

Orange SERVPRO house logo on image with rain storm in background SERVPRO of Northern Summit County has the expertise and the resources to handle your storm damage.

When a major storm passes close to the house, the home may suffer water damage that is difficult to repair. A certified professional will likely be needed to help prevent serious health or structural threats. Storm surges can carry pathogens and mold.

The main reason a home is prone to water damage is because moisture is difficult to detect. Moisture can collect behind the walls, where mold and bacteria may multiply.

Professional restoration services can quickly identify what items in the home are compromised. Anything that is porous may need to be discarded such as mattresses, box springs, pillows and particleboard.

A family can prepare for professional cleaning by getting rid of these items before the technicians arrive, but record and itemize these items for insurance purposes. Technicians trained in this restoration field know how to find compromised areas and restore them.

SERVPRO of Northern Summit County has the expertise and the resources to handle your storm damage. If you need assistance call (330) 650-4486. We are open 7 days a week, 365 days a year including all major holidays.

 

Prepare And Prevent Flooding in Northern Summit County

3/2/2020 (Permalink)

Orange SERVPRO  house logo on image with flooding on road. March 13-19th is Flood Safety Awareness Week.

Storm damage happens can happen at anytime in Northern Summit County. As winter starts to end, spring bring water damage and flooding. Flooding can cause more damage in the United States more than any other weather-related event.

March 13-19th is Flood Safety Awareness Week. We want to create awareness for the community. More than half of all flood related deaths result from vehicles being swept downstream. It is a good time to share awareness about flooding so that you can minimize potential flood damage and accelerate recovery efforts.

If you receive notifications that there is a flood warning here are some simple ways to prepare:

  • Check if your insurance covers flood damage. If not, find out how to get flood insurance.
  • Make an itemized list of personal property well in advance. Photograph or video the interior and exterior of your home.
  • Keep insurance and important documents in a safe deposit box.
  • Assemble a disaster supplies kit.
  • Find out where you can go if ordered to evacuate.
  • Make a keep-in-touch arrangement with relatives and friends.

After a flood hits you will want to also take precautions:

  • Avoid areas subject to sudden flooding.
  • Even six inches of fast moving floodwater can knock you off your feet. Never try to walk, swim or drive through such swift water.
  • Do not attempt to drive over a flooded road. STOP! Turn around and go another way.
  • Keep children from playing in floodwaters or near culverts.
  • Use flashlights, not lanterns or torches, flammables may be inside.
  • Do not handle live electrical equipment in wet areas.
  • Refer to Red Cross or Federal Emergency Management Agency web sites for ideas and examples of disaster plans and disaster kits.

It is important to prepare for a flooding disaster as soon as possible. If you get flooding in your building and need restoration call SERVPRO of Northern Summit County.

SERVPRO of Northern Summit County has the expertise and the resources to handle your business water damage. If you need assistance call (330) 650-4486. We are open 7 days a week, 365 days a year including all major holidays.

  

How To Prevent Winter Storm Damage in Your House.

2/5/2020 (Permalink)

Orange SERVPRO  house logo on image with home that has icicles. We know how devastating a storm and water disaster can be, but we are here to help!

Prevent Winter Storm Damage in Your House.

After a winter snow storm, temperatures can go up and down which causes melting and freezing. This temperature variation can cause snow or ice to melt and trickle into your house. This can cause damage on the way inside the cracks. Water damage is not fun for any home owner.

The good news, you can prevent water damage from snow melts by shoveling snow away from your house. Yes, it could be as simple as that.

It may also be necessary to shovel snow from areas with grass underneath. This can help the water from entering and flooding once it warms up.

Contact our team of professionals for more information about snow water damage to your home.

We know how devastating a storm and water disaster can be, but we are here to help! Call SERVPRO of Portage County (330) 677-4483 to help get your home restored efficiently.

  

Five Things You Should Do if Your Property is Damaged From a Storm.

2/2/2020 (Permalink)

Orange SERVPRO  house logo on image with  snow storm in background SERVPRO of Northern Summit County has the expertise and the resources to handle your home storm damage.

Five Things You Should Do if Your Property is Damaged From a Storm.

Homes can get damaged during storms, which leads to problems for home owners. It is important to be prepared and knowledgeable in case this should happen to your home. Here are some quick tips:

 1) File a claim immediately: The faster you file and notify your insurance, the sooner you can get an agent to your property to assess the damage. Claims that aren't complicated usually don't take long to process.

2) Contact storm damage repair companies: Contact SERVPRO of Northern Summit County to help get your home restored efficiently and with care, just call (330) 650-4486.

3) Be prepared to pay out of pocket: There is usually always some sort of deductible with any home damage and an insurance company. It is important to know this deductible and plan for it.

4) Don't wait for more storms before you contact your insurance company: some problems will have different deductibles, so make sure to file as soon as the damage happens.

SERVPRO of Northern Summit County has the expertise and the resources to handle your home storm damage. If you need assistance call (330) 650-4486

  

Prepare For A Storm In Northern Summit County

9/30/2019 (Permalink)

Orange SERVPRO  house logo on dark cloud storm background Storms occur with little warning and can be devastating, so you’ll need the company that you can trust to rise to the occasion.

Storms occur with little warning and can be devastating, so you’ll need the company that you can trust to rise to the occasion. SERVPRO of Northern Summit County can handle any size disaster. 

Should storm water begin to accumulate around your house, here are a few easy steps that may help protect your home:

  • Make sure all windows are closed tightly. Make sure to check windows in your basement area
  • Move valuables to higher ground
  • Continuously monitor the sump pump (if you have one) to verify that it is operating properly
  • Make sure to secure any outside furniture
  • Cover basement window wells to help divert water from pooling inside the well

Safety should always be your main focus when faced with storm water.

  • Do not walk through moving water, as even 6’ of water is enough force to knock you off your feet
  • Stay away for flood waters as it is contaminated and unhealthy and may pose health hazards

Storm and flood water damage can be very destructive. Immediate action is needed, and you need the company with storm damage experience. SERVPRO of Northern Summit County has the expertise and the resources to handle any size disaster. If you need assistance with storm or flooding call 1-800-648-1212.

Prepare For a Windstorm in Northern Summit County.

9/30/2019 (Permalink)

Orange SERVPRO  house logo on dark image with benches Windstorm damage is covered on a standard homeowner's insurance policy.

Yes, windstorm damage is covered on a standard homeowner's insurance policy. But whose homeowner's insurance policy covers the loss?

First, it is important to understand what windstorm insurance policies cover. Windstorm insurance is a special type of property and casualty insurance designed to cover damages caused by high winds. Windstorm insurance may cover damages from hurricane-force winds, tornadoes, hail and other weather events.

A hypothetical tree falls on your house. 

  • Scenario 1: your tree falls on your house. Your homeowner's policy will provide coverage up to your policy limits, after you pay the deductible. The coverage extends to cover damage to your main home, garage, shed or other additional buildings and structures such as a fence. If there is damage to the structure of the house, debris removal is also covered, up to policy limits.
  • Scenario 2: your tree falls on your neighbor's house. The basic rule is that the insurance policy of the property that was damaged pays for the loss.
  • Scenario 3: your neighbor's tree fell on your house. Your homeowner's insurance policy should pay for any damage per the property claim.

Please note that homeowners insurance usually won't cover a loss caused by negligence or a maintenance-related issue. So if the tree was rotting and ready to fall down before the storm, homeowners insurance likely would not cover the damage the tree caused to your home.

Always call your home owners insurance first and tell them what is going on. SERVPRO of Northern Summit County has the expertise and the resources to handle any size disaster. If you need assistance with wind or storage damage call 1-800-648-1212.

Can You Dry Hardwood Floors After A Water Damage in Northern Summit County?

8/25/2019 (Permalink)

The professionals at SERVPRO of Northern Summit County have saved hundreds of hardwood floors by using advanced drying equipment.

A very common question we receive at SERVPRO of Northern Summit County is, “Can I dry hardwood floor after water damage?” The only downfall off hardwood floors is that in the event of a flood or water overflow, hardwood floors cannot be easily taken out and dried like carpet can. This brings us to our question – "Can you dry hardwood floors in place, or does everything need to be ripped out and replaced?"

First, you need to recognize the many different factors that play into properly achieving a dry hardwood floor. Water damage can increase drastically if not taken care of properly, professionally, and in a timely manner. Here are some of the main considerations:

Response Time - Water damage can be greatly decreased depending on the response time to the problem. Time is of the essence when it comes to hardwood floor water damage – the moisture, temperature, and dust layer beneath a wet wood floor can provide an ideal environment for mold and many other problems.

Type of Wood Flooring - Before you can determine how to properly dry hardwood floor, you need to determine what type of wood flooring you have.

Amount Of Moisture - A flooded hardwood floor can have up to 40% moisture content and can retain well above the normal amount of moisture for weeks if left to dry on their own. Nails may begin to lift, glue may release causing separation between floor pieces, and tongue and groove floors often cup or buckle when moisture has been absorbed.

If you decide to attempt to dry and save hardwood floors in place SERVPRO of Northern Summit County  has specialized drying equipment that forces airflow beneath the surface of the floor, allowing moisture to be released.

A restoration specialist can inspect the hardwood floor damage to determine the right plan of action for your home. They will work with you and your insurance carrier to decide the best option – drying or replacing the floor. The professionals at SERVPRO of Northern Summit County have saved hundreds of hardwood floors by using advanced drying equipment. 

Tips to Help Prevent Summer Claims in Northern Summit County

8/15/2019 (Permalink)

Follow these tips to help prevent summer claims for your home.

In a recent show of data, Farmers Insurance states that more than 50% of flood claims get filed during the summer between June and August. With travel being increased during summertime for families due to vacations and breaks, the weather sometimes causes unplanned and unexpected troubles.

Add a little preparation, forethought, and precaution in your household to allow you to take on some of the disasters summer can bring. 

Follow these tips to help prevent summer claims for your home:

  • Caution Around Water on Roadways: Although you may FEEL safe driving through water, bear in mind merely six inches of water can reach the bottom of most cars. Flood waters can be dangerous due to depth, flow, and also the unseen debris and possible downed power lines. Losing control of putting yourself in harm’s way out of convenience could be detrimental.
  • If in Doubt, Please Re-Route: Be wary of your surroundings and common driving routes. If you travel through underpasses, drainage canals, or similar spots, flash flooding can occur and you should plan alternative routes in case of an emergency.
  • Store Valuables Safely: Anything of value such as documents, photos, electronics, or the like need placed on shelves or high enough off the ground should water penetrate your home. Water wreaks havoc enough as is without taking valuable possessions down with any soaking. More irreplaceable items may be better kept in a safety deposit box, safe, or other location.

While these tips certainly provide a leg up on preventing summer claims, accidents and emergencies do happen. If you find yourself in that situation, count on SERVPRO’s extremely well-trained professionals to give you the support you need 24 hours a day, 7 days per week including weekends and holidays. 

Water Damage Requires a Quick Response

4/16/2019 (Permalink)

Floods, rainstorms and tornadoes can become massive water damage threats to businesses during the often-stormy spring and summer months. Facilities plagued with such water woes this season must take quick action.


Floods, rainstorms and tornadoes can become massive water damage threats to businesses during the often-stormy spring and summer months. Facilities plagued with such water woes this season must take quick action to control many possible problems, experts say. 

You won’t see it emphasized on the nightly news when a disaster hits, but water damage can represent potentially huge disasters for businesses and building owners and operators. 

Water damage can mean much more to a business than just wet and soggy carpets. There are other common, more significant problems businesses face when water wreaks havoc on property, such as indoor air quality problems. Mold and mildew grow rapidly in damp, humid environments, leaving behind an unpleasant smell that permeates floors, walls and ceilings, even after the water has been removed. It also can create health problems for employees. 

Damage to the building’s structure and foundation also can be an issue. When water sits inside a building for a period of time, the walls, ceilings and floors absorb the water, which threatens the overall structural integrity of the building and creates an unsafe environment. Total reconstruction of the building often becomes the only option. 

Another major threat to business is the loss of expensive equipment, which often can cost hundreds of thousands of dollars to replace. 

To minimize water damage, there are two critical steps that need to be taken:

  1. Act fast to assess the situation; and
  2. Control the environment within the building.



Act Fast and Call an Expert

The absolute first step to take is fast action. Damage resulting from water and flooding is very progressive. The longer the water flows or wet conditions are allowed to exist, the greater the recovery problem becomes. A water damage consultant must come in immediately to survey the situation. 

In a typical scenario, a team of water damage recovery professionals is dispatched to the site to perform a thorough inspection and fully determine the extent of the damage. A disaster reclamation partner also will develop an intense restoration plan and determine which items are worth restoring and which are better replaced. 

You can’t always save everything by drying, but you can save a tremendous amount. It’s not unusual to save between 30 and 70 percent of the cost needed to reconstruct a facility.

Controlling the Interior Environment

Another key in limiting water damage is to quickly control three conditions of a building’s atmosphere: relative humidity, temperature and air circulation. Fast, effective action at this point will generally confine the damage to the area that was directly affected by the water damage event. 

The most effective way to control these conditions in a high-moisture environment, especially a large facility, is to employ professional disaster drying that combines air movers with desiccant dehumidifiers. 

Disaster drying often eliminates the need to rip out and replace walls, carpet, floor covering, hardwood floors and the building structure, which can be a huge expense. On top of that, you preclude the odors and staining caused by mold and mildew. These problems can come back to haunt you weeks later in a superficially dried building.

The Desiccant Way

When a facility has been severely water damaged, you need high volume desiccant dehumidifiers. Some larger desiccant dehumidifiers can pull 800 gallons of water out of a building in one day, compared to the typical small refrigeration units that remove about five gallons a day. 

Many people are surprised that “solid” materials such as concrete and hard woods absorb moisture. But they do and rather quickly. 

Getting the water back involves a phenomenon called migration. Migration is the tendency for water molecules to move toward a low vapor pressure. When a room is filled with very dry air, which has low vapor pressure, trapped water migrates outward and is evaporated from the surface by the dry air. As the air in the room fills with water vapor, we expel it. We then replace it with more dry air and the process continues. 

It’s also essential to be sure the equipment being used is sized right. Inappropriately sized drying equipment can lead to insufficient drying and long-term problems with the building. Only large-volume dehumidifiers could provide the massive drying power needed to dry the space quickly and thoroughly.

Best Defense: A Disaster Recovery Plan

To minimize damage and costs, companies need to think ahead about what to do in a water damage event and contact a water damage expert to create a Disaster Recovery Plan (DRP). 

A DRP can limit the extent of water damage occurrences by defining and prioritizing the recovery of areas within a facility and stating immediate next steps. Proper planning and fast action are most certainly the best defense to preventing a catastrophic water damage event.

After the Disaster: Providing Restoration Solutions, Not Suggestions

4/1/2019 (Permalink)

Hurricanes.  Tornadoes.  Flooding.  Frozen pipes.  Storms. 

All of these will occur during the course of a year. All will cause major damage to dwellings and buildings. What is one of the major sources of damage- WATER. Water damage is caused by a variety of things including plumbing leaks, burst pipes and broken hoses, moisture ingress within a structure, clogged toilets, foundation cracks and leaking roofs. While the symptoms will be addressed by plumbers, roofers, foundation specialists and other tradesmen and tradeswomen, clean-up and remediation specialists have some of the toughest and potentially dangerous jobs to tackle to ensure a safe and functional dwelling or building. Before a building is considered safe, someone must disinfect affected areas, remove damaged or mold/mildew- contaminated items, properly dispose of the water-damaged items and then review and inspect areas to ensure that they’re safe. 

So, what can we recommend to residents and occupants of the buildings that have significant (or even small levels of) water damage? 

  • Stop the flow of water.
  • Turn off the power.
  • Assess the conditions. Is it safe to stay in the building?
  • Look for electrical hazards and “slip and fall” areas. Stay away from compromised areas.
  • Get away if possible, but if you must stay, then only do activities that are absolutely necessary.
  • Try not to lift wet materials. Water will add significant weight to any material that absorbs.

What can you recommend an owner do after flooding?

  • Gather items from floors and low lying areas.
  • Remove any excess water by mopping or blotting up the water with towels or absorbent material.
  • Remove wet rugs and carpeting that can easily be removed.
  • Remove any wet upholstery, cushions, pillows, blankets and dry them out
  • Wipe excess water from furniture, cabinets, accessories
  • Turn AC ON for maximum drying during the summer

What should you recommend an owner NOT do after flooding?

  • Don’t use household appliances, televisions or any other electronic devices
  • Don’t leave wet fabrics in place. Hang luxury items such as leather goods, furs and dresses.
  • Do not use a vacuum cleaner (unless it’s a wet-dry vac) to remove moist or water from a room.
  • Don’t leave colored items on a wet floor.
  • Don’t turn on ceiling fans or lights if the ceiling is wet. 
  • Stay out of rooms where the ceiling is sagging.

After a homeowner or building occupant has taken the requisite steps to ensure his/her safety, then its time for the professional to come in and do their work. Professionals will use the following steps to assess and restore property following water damage:

  • Initial contact and pre-inspection survey
  • Inspection and water damage assessment
  • Water removal and extraction
  • Drying and dehumidification
  • Cleaning and sanitizing
  • Restoration

A fast response is crucial to prevent long term damage, sick-building syndrome and irreversible damage. While professionals are responsible and knowledgeable, sometimes little things that might be missed become critical to the successful remediation/restoration after water damage or flooding.

  • Mold and Mildew are the ENEMIES. Protect yourself and building inhabitants by using the proper protective gear including body suits, gloves and masks or respirators. Contain the mold/mildew before trying to disinfect. Wrap your booties, pants and gloves with tape to ensure a good and proper seal of your body suit.
  • Use environmentally-friendly antimicrobial and antibacterial treatments when you can. These will leave less of an impact to the inhabitants once the job is complete. 
  • Properly dispose of refuse. Bag the molded, damaged and soiled items in a thick plastic bag and twist the opening to form a goose-neck then seal the opening tightly with duct tape to ensure that the contents are secure and will not escape during transport to the landfill, preventing further contamination.
  • Seal off the contaminated environment from the area that is not contaminated or is being used by the building inhabitants. Hang poly-sheeting, build airflow containment units and properly seal them off with strong polyethylene or cloth duct tape suitable for use in damp, moist environments. Innovative containment systems with pre-inserted zippers and doors are now available for ease of use.

Customers are now used to fast, reliable and almost instantaneous service. The e-commerce model used to obtain goods is now being applied to service as well. By offering easy “one-stop” access to water damage cleanup; easy contact, assessment, water removal, drying, cleaning, sanitizing and restoration; you will enhance your relationship with your customers and attract them to your business. Remember these tips when communicating potential water leakage and flooding issues with your customers and you will become their one-stop source providing solutions, not suggestions.

What Ice Storm Accumulations Mean and How to Stay Safe

10/4/2018 (Permalink)

At a Glance

  • Just a thin coating of ice can result in a travel nightmare, and heavier amounts will severely damage trees and power lines.
  • Here's how to prepare for an ice storm and stay safe.

You may hear forecasters talk about ice accumulations this week and wonder, "Will I lose power, or will the roads just be slippery?"

 

Just a thin coating of ice can result in a travel nightmare, while heavier amounts will severely damage trees and power lines. Strong winds can add extra force to already weighted down tree branches and power lines, increasing the likelihood of significant damage.

Ice Storm Facts

  • Ice can increase the weight of branches by 30 times.
  • A 1/2-inch accumulation on power lines can add 500 pounds of extra weight.
  • An ice storm in 2009 centered from northern Arkansas to the Ohio Valley knocked out power to 1.3 million.
  • In 1998, an ice storm in northern New York and northern New England damaged millions of trees and caused $1.4 billion in damage. Accumulations were as much as three inches thick!

These ice accumulations are caused by freezing rain. Freezing rain is a result of snow falling through an above-freezing warm layer in the atmosphere above the surface of the earth, which melts the snowflakes into rain. The rain drops then move into a thin layer of below-freezing air right near the surface of the earth, allowing them to freeze on contact to the ground, trees, cars and other objects.

While accumulations of sleet can also make roads treacherous, sleet does not accumulate on trees and powerlines, so ice events with more sleet than freezing rain pose a greatly reduced threat for tree damage or power outages.

(MORE: Difference Between Freezing Rain and Sleet)

 
The type of precipitation we see at the ground depends not only on the temperature at the ground, but also several thousand feet above the surface.

What kind of impacts and damage do different amounts of ice cause? 

'Nuisance'

A nuisance ice event is usually one of 1/4 inch or less of ice accumulation.

Even though these lighter accumulations are considered nuisance, travel can be extremely dangerous even with a light glazing.

 
Typical impacts of "nuiscance" ice accumulations - one-quarter inch or less.

'Disruptive'

A disruptive ice storm is typically one of 1/4 to 1/2 inch of ice accumulation.

This amount of ice starts to damage trees and power lines.

 
Typical impacts of "disruptive" ice accumulations - one-quarter to one-half inch.

'Crippling'

Widespread accumulations of over 1/2 inch.

With widespread ice accumulations of over 1/2 inch, there is severe tree damage and power outages may last for days.

The most devastating storms contain ice accumulations of an inch or more.

(MORE: Winter Storm Central)

 
Typical impacts of "crippling" ice accumulations - one-half inch or more.

Be Prepared

  • Avoid driving on icy roads for your safety and the safety of emergency personnel.
  • Be sure to charge cell phones and laptops ahead of time. Make sure you have several ways to communicate with others. Consider landline phones, social media, and texting.
  • Remember, if it’s too cold for you, it’s too cold for your pets. Plan for pets to come inside, and store adequate food and water for them.
  • Children should never play around ice-covered trees; they may be injured if a branch breaks under the weight of the ice and falls on them.
  • Think about safe alternate power sources you could use if you lose heat, such as a fireplace, wood/coal stove or portable space heaters. However, be sure to exercise caution:
  • Follow manufacturers instructions when using portable space heaters and other devices.
  • Never use portable generators, camp stoves and grills inside your home or garage; they should only be used outside. Keep them at least 20 feet away from your home's windows, doors and vents to prevent deadly carbon monoxide poisoning.
  • Use flashlights during power outages instead of candles to prevent the risk of fire, and keep plenty of extra batteries on-hand.  

Before the Power Goes Out: Food Safety

  • Make sure you have appliance thermometers in your refrigerator and freezer.
  • Check to ensure that the freezer temperature is at or below 0 degrees and the refrigerator is at or below 40 degrees.
  • In case of a power outage, the appliance thermometers will indicate the temperatures in the refrigerator and freezer to help you determine if the food is safe.
  • Freeze containers of water for ice to help keep food cold in the freezer, refrigerator, or coolers in case the power goes out. If your normal water supply is contaminated or unavailable, the melting ice will also supply drinking water.
  • Have coolers on hand to keep refrigerated food cold if the power will be out for more than four hours.
  • Purchase or make ice cubes in advance and store in the freezer for use in the refrigerator or in a cooler. Freeze gel packs ahead of time for use in coolers.
  • Store food on shelves that will be safely out of the way of contaminated water in case of flooding.

 When the Power Goes Out: Food Safety

  • Keep the refrigerator and freezer doors closed as much as possible to maintain the cold temperature.
  • The refrigerator will keep food cold for about 4 hours if it is unopened.
  • A full freezer will keep the temperature for approximately 48 hours (24 hours if it is half full) if it is unopened.
  • Buy dry or block ice (or freeze containers of water) to keep the refrigerator as cold as possible if the power is going to be out for a prolonged period of time.
  • If you plan to eat refrigerated or frozen meat, poultry, fish or eggs while it is still at safe temperatures, it's important that each item is thoroughly cooked to the proper temperature to assure that any foodborne bacteria that may be present is destroyed. However, if at any point the food was above 40 degrees for two hours or more — discard it.
  • For infants, try to use prepared, canned baby formula that requires no added water. When using concentrated or powdered formulas, prepare with bottled water if the local water source is potentially contaminated.

Lack of flood insurance heaps misery on homeowners slammed by Hurricane Florence

10/3/2018 (Permalink)

The drenching rains and massive flooding caused by Florence are expected to inflict a high financial toll on homeowners in North Carolina and other states, as only a small percentage are covered by flood insurance that could help offset the costs of rebuilding their damaged homes.

An estimated quarter of a million homes in North Carolina are projected to be affected by Florence, which has caused flash flooding and record rain amounts across the state, according to CoreLogic, a property analytics company. 

Estimates from insurance analysts and actuaries show an alarmingly high percentage of homeowners – both in coastal towns and those far inland – that are underinsured for a water-driven natural disaster as destructive as Florence. 

Only 10 percent to 20 percent of coastal homeowners in the hard-hit eastern part of North Carolina, for example, have coverage through the government’s National Flood Insurance Program (NFIP), and only 1 percent to 3 percent of homes in inland counties have flood policies, according to estimates from John Rollins, an actuary at consulting firm Milliman. Statewide, roughly 3 percent of the homes in North Carolina have flood coverage and 8 percent of homeowners are covered in South Carolina, Rollins said.

“Obviously, that leaves a lot of people uninsured,” Rollins told USA TODAY.

The numbers of those covered are low, he said, because people think that because their home isn't in a high-risk zone designated by the government that there's "zero risk" of a flood. "But that's not true," Rollins says. Many also don't realize their basic homeowners policy doesn't cover flood damage, while others overestimate the disaster aid they will get from the government. 

Unfortunately, standard homeowners insurance won’t cover any flooding-related issues. The estimated insured losses from Florence are in the range of $3 billion to $5 billion, according to CoreLogic. Goldman Sachs, a Wall Street bank, said they could go as high as $10 billion to $20 billion. 

Insurers should have no problem being able to pay out claims to policy holders because the industry has cash reserves of roughly half a trillion dollars, according to Matt Carletti, senior insurance analyst at JMP Securities.  

More Money: What you need to know about flood insurance as Florence dumps rain on Carolinas

More Money: How the Waffle House Index will help FEMA determine just how bad Hurricane Florence gets

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The problem for homeowners is that insured losses generally are only about one-third of total economic losses, which puts them on the hook financially for a more sizable part of their home rebuilds if losses are due to uncovered flood costs, Carletti said.

 

To get flood coverage, homeowners must buy a separate policy. Most purchase this extra coverage from the government-backed NFIP program, which is designed to restore your home to its preflood condition and replace your possessions. NFIP policies, which carry average premiums of about $600 to $700 a year but can run into the thousands of dollars in high-risk zones, cover up to $250,000 for a home's structure and up to $100,000 for personal possessions. 

Homeowners not covered for flood damage can seek federal disaster assistance in the form of grants from the Federal Emergency Management Agency or apply for a loan from the Small Business Administration, said Steve Bowen, meteorologist for Aon Benfield's Impact Forecasting division. FEMA may provide up to $33,000 in assistance for home repair, although the average for Superstorm Sandy in 2012 was about $8,000 and roughly $7,100 for Hurricane Katrina in 2005. 

At the end of July, there were 134,306 active NFIP flood policies in place in North Carolina, Bowen said. That's only 3 percent of the estimated 4.62 million housing units in the state, he said, citing U.S. Census Bureau data.

Damage to homes caused by floods tend to be costly. The estimated potential loss for a 1,000-square-foot, single-story home with possessions worth $20,000 that is inundated with just 1 inch of interior water can run as high as $11,000, according to FEMA data, and the estimated loss for 5 inches of water climbs to more than $18,000.

Given the fact that many parts of North Carolina have received rain totals of 2 feet or more, many homeowners will be facing high rebuild costs they may not be able to afford.

“You are looking at a lot of homeowners that will have out-of-pocket costs that could easily be five figures, or more than $10,000,” said Cathy Seifert, an insurance analyst at CFRA, a Wall Street research firm. 

 

Americans' flood risk is far greater than previously thought, study finds

8/15/2018 (Permalink)

Storm water flooded the streets with and vehicles.

A new study led by the University of Bristol states that 41 million Americans are at risk from flooding rivers, according to phys.org. That’s more than three times than the current estimate of 13 million people.

Related: Nor’easter leaves thousands without power, record coastal flooding expected

The study is based on a new high-resolution model that maps flood risk across the entire continental United States, whereas the existing regulatory flood maps produced by the Federal Emergency Management Agency (FEMA) cover about 60% of the continental U.S.

The estimate of 41 million does not include the millions of additional Americans that are at risk of coastal flooding.

The increase in numbers of those at risk is a result of the expanded coverage of the map combined with its ability to estimate flooding on small streams—something that wasn’t adequately captured in previous flood-risk models, according to the study’s researchers. The study predicts that more than 60 million Americans may be vulnerable to a 100-year flood by 2050.

“Because climate change may cause so-called ’100-year’ floods to occur more frequently, even more people may be exposed to flooding in the future. All of this highlights the critical need for comprehensive floodplain and flood risk management planning,” Oliver Wing, the lead researcher behind the study and a Ph.D. student at the University of Bristol’s School of Geographical Sciences, said in a statement.

For more information about the study, check Environmental Research Letters where it was first published.

Know What Steps to Take as Spring Storms Occur

4/16/2018 (Permalink)

Beautiful Spring... It can also bring major storm activity and being prepared to protect yourself, your home and contents is important.

Spring-

Green grass, colorful flowers, relaxing rain showers and distant, whispering rumbles of thunder. But it isn't always this peaceful. Consider the notes below, Northeast Ohio, and take to safe steps when dangerous weather is predicted for Summit County, Portage County and/or Canton.

Tornadoes- Spring can be the peak season for tornado activity. Tornadoes occur mostly on warm spring days between 3:00 and 9:00 p.m. However, tornadoes can occur anywhere, at any time of the year, at any time of the day.

The Red Cross has safety steps people should take now to be ready if a tornado warning is issued for someone’s neighborhood:

  • Download the free Red Cross tornado app for mobile devices. The tornado app puts everything you need to know to stay safe in a tornado at your fingertips. The app can be downloaded from the iTunes or Google Play stores by searching for American Red Cross.
  • Know your community’s warning system.
  • Pick a safe room in your home where family members can gather if a tornado is headed your way. This should be a basement, storm cellar or interior room on the lowest floor with no windows.
  • Prepare for strong winds by removing diseased and damaged limbs from trees.
  • Move or secure lawn furniture, trash cans, hanging plants or anything else that can be picked up by the wind and become a projectile.
  • Know the tornado danger signs – dark, often greenish clouds, a wall cloud, cloud of debris, large hail, a funnel cloud or a roaring noise.

Thunderstorms- Thunderstorms are most likely to happen in the spring and summer, during the afternoon and evening. However, like tornadoes, they can happen anywhere, at any hour of the day. Every thunderstorm produces lightning, which kills more people every year that tornadoes or hurricanes.

The Red Cross has steps you can take if a thunderstorm is predicted for your area:

  • If thunder roars, go indoors. If you can hear thunder, you are close enough to be in danger from lightning.
  • Watch for storm signs like darkening skies, flashes of lightning or increasing winds.
    Postpone any outdoor activities. Many people who are struck by lightning are not where it is raining.
  • Take shelter in a substantial building or a vehicle with the windows closed. Shutter windows and close outside doors securely. Stay away from windows.
  • Do not take a bath, shower or use plumbing.

If you are outside or driving, there are things you should do to remain safe. Information can be found with the following link discussing what to do before, during and after a thunderstorm.

Flooding-Spring can be a time of year for flooding. Communities in the Midwest and south have already seen floodwaters inundate neighborhoods. Snow melt and heavy spring rains fill rivers and streams and flooding can occur. Flash floods occur suddenly when water rises rapidly along a stream or low-lying area. People should be prepared to evacuate at a moment’s notice and head for higher ground when a flood or flash flood warning is issued.

Other safety steps include:

  • Stay away from floodwaters. If you come upon a flowing stream where water is above your ankles, stop, turn around and go another way. Six inches of swiftly moving water can sweep you off of your feet.
  • If you come upon a flooded road while driving, turn around and go another way. If you are caught on a flooded road and waters are rising rapidly around you, get out of the car quickly and move to higher ground. Most cars can be swept away by less than two feet of moving water.
  • Keep children out of the water. They are curious and often lack judgment about running water or contaminated water.
  • Be especially cautious at night when it is harder to recognize flood danger.

Heed this advice as the Spring weather begins ! Stay safe, Northeast Ohio !

Storm Damage ? Call SERVPRO of Northern Summit County at our 24/7 Emergency Service line - 330-650-4486 or Request Help Online

FEMA Publishes Guidance for Handling Flood Losses

3/19/2018 (Permalink)

There's no easy solution.

The 2017 Hurricane Season was a brutal one. Seventeen named storms struck the United States causing a record-setting $200 billion in damage.

Much of this damage occurred not from high winds or storm surges, but from extended heavy rains that triggered major flooding.

In an effort to facilitate prompt post-inspection advance payments to policyholders, the Federal Emergency Management Agency (FEMA) published an outline of steps, serving as guidance for handling flood losses.

  1. Report the loss to your insurance agent or the insurance carrier, who will in turn assign an adjusting firm who provides an adjuster to assist you with presenting the support for your loss.
  2. The adjuster inspects the property (scoping visit) and may ask if you wish to request an advance payment from your insurer; the adjuster will send you a detailed room-by-room unit-cost estimate of damage and a proof of loss form. If you agree, the proof of loss form should be signed to and sworn to, and upon your insurer's review and agreement, the loss is settled.
  3. If you do not agree, you should work with your adjuster to find a dollar amount for the covered loss that can be agreed on. Also, working with your general contractor is helpful.
  4. If you are unable to reach an agreement with the adjuster, you should contact your adjuster's supervisor by calling the adjusting firm.
  5. The supervisor should work with you to find a dollar amount for the covered loss that can be agreed on.
  6. If you are unable to reach an agreement with the adjuster's supervisor, you should contact your insurance carrier's claims department to discuss the amount difference or coverage issue with the claim examiner.
  7. If you are unable to reach an agreement with the claims examiner, you should complete a proof of loss form for the total amount you are requesting (the disputed amount plus any additional amount), and then send the signed and sworn-to proof of loss form with documentation to support the additional amount you are requesting, directly to the insurance carrier claim examiner.
  8. If the insurer agrees with your documentation, they will pay the amount you are requesting; or they may provide the adjusting firm with their recommendation which may lead to an additional payable amount and a new Proof of Loss. If the insurer disagrees, they will issue payment for any undisputed amount, and a written denial letter will be sent to you fully explaining the reasons for the disallowance (denial) of your claim or any portion of your claim.
  9. If you agree with the denial or no longer dispute the decision, the loss is settled.
  10. For any denial of payment, in whole or in part, which you are disputing, three options remain:
    • You may send an amended Proof of Loss with supporting documentation back to the claim examiner; see STEP 8
    • You may submit a formal Appeal to FEMA
      • A written appeal letter must be sent to FEMA within 60 days of your insurer's denial letter, along with a copy of the denial letter and the documentation you have to support your appeal.
    • You may file a lawsuit against your insurer
      • A lawsuit must be filed within one year of your insurer's first written denial letter and only in U.S. District Court in the district where the property is located at the time of the loss
      • However, once you file a lawsuit, you may no longer appeal your claim to FEMA or file an amended Proof of Loss with your insurer.

Storm or water damage ? Call SERVPRO of Northern Summit County's 24/7 Emergency Service line - 330-650-4486 or Request Help Online

Preparing for Spring

2/5/2018 (Permalink)

There are dangers posed by wet or flooded basements, so it's important to call a flood damage professional like SERVPRO of Northern Summit County.

Well, folks, Punxsutawney Phil has seen his shadow, predicting 6 more weeks of winter. While we have trusted the Pennsylvania groundhog for countless years, additional weather-predicting rodents have called for an early Spring this year, 2018. That being said, it is never too soon to begin preparing for the back and forth weather that Spring is.

The most severe of storms Spring can bring are thunderstorms. When warm, moist air collides with cool, dry air, thunderstorms can bring lightning, tornadoes and flooding, and if not properly prepared, this can cause extensive damage to your home or business.

Below are 5 ways to prepare your home for storm damage that can cost you hundreds, even thousands, of dollars, if not kept on mind:

  1. Clean your gutters. Clear any debris from your gutters to make sure all the rain water can easily flow off your roof away from your home. When water can't get through your gutters, it pools on your roof and around your house. For further information on this subject, refer to our blog post, "Rain Gutters and Water Problems."
  2. Trim your trees. Some of the worst storm damage is caused by falling trees. A healthy, sturdy tree is unlikely to topple in high winds, but one with dead limbs, or disproportionate growth might. Spring is the perfect time to contact an arborist to evaluate your trees, and if you’ve got large trees on your property, you should have them evaluated yearly. Maintaining them will help you protect both your property and the tree itself.
  3. Back up your sump pump. When heavy rains come, sump pumps can get overloaded. A flooded basement can cause all sorts of damage to your contents, and when water covers wiring or electric appliances, things get dangerous. Make sure your sump pump has a battery backup just in case the electricity goes out. You might also consider installing a second, battery operated pump that will come on if the main one fails.
  4. Gather emergency supplies. American Red Cross recommends keeping a three-day supply of food and water for your family, and a seven-day supply of any medications. You might also add a battery operated radio, and a car adapter for your cell phone.
  5. Grade your yard. If water pools around your home, your foundation is in jeopardy. Ensuring that your yard slopes away from your home will keep rain water from sitting by your foundation and causing damage. Click here for a YouTube tutorial, provided by "This Old House," on how to grade your home. Most lawn companies, however, offer this service.

As we get closer to the rainy season, consider these five steps to keep your home and family safe.

Do you have water problems ? Call SERVPRO of Northern Summit County for help- 330-650-4486

Water Damage After a Major Storm

10/20/2017 (Permalink)

We have the storm damage restoration experience and specialized equipment to restore your home or business back to pre-storm condition.

When a major storm passes close to the house, the home may suffer water damage that is difficult to repair.

There are many things a family can do to begin repairing any destruction, but a certified professional will likely be needed to get rid of any serious health or structural threats. Contaminated storm surges or floods can carry pathogens and become a breeding ground for mold. If allowed to fester, these mold spores can spread throughout the building and become even more difficult to remove. In many cases,  governmental agencies could condemn the structure if the microbial threat is too great.

The main reason a home is sensitive to water damage is because moisture is difficult to detect once the floods recede. Standing liquids can encourage microbial growth within 24 hours and can saturate all kinds of textiles and seep through drywall. Moisture may collect behind the walls, where mold and bacteria may multiply out of sight.

Professional restoration services can quickly identify what items in the home are compromised by water damage. Normally, anything that is porous may need to be discarded if it has come in contact with contaminated fluids. These items, like mattresses, box springs, pillows and particle board, trap more moisture than other materials and foster the growth of microbes.

A family can prepare for professional cleaning by getting rid of these items before the technicians arrive, but be sure to properly record and itemize the items for insurance purposes prior to disposing. Once professionals arrive at the building, they will be able to track down any pockets of excess moisture and remove them. 

It’s important for a family to hire professionals that are certified through a reputable organization. Technicians trained in this area know how to find compromised areas and do what it takes to restore them.

Flood damage in your home or business? Call SERVPRO of Northern Summit County today at our 24/7 Emergency Service Line - (330) 650-4486 or at our Online Help Line.

Mobile Homes- Are They Covered?

10/5/2017 (Permalink)

Wind-damaged mobile homes in Oklahoma.

We might be in Ohio, away from all the severe hurricane damage to trailer parks in Florida, Georgia and Texas, but this does not change how the events have changed our perspective on these homes' insurance coverage.

That perspective being: this is important!

Enlightened by Property Casualty 360's article, Mobile homes — A unique insurance exposure, a mobile home serves as both a home and a vehicle. When on the road, authorities treat it as a vehicle, and once settled down in a trailer park, it becomes a home.

Because of the portable and lightweight nature of mobile homes, wind is a significant hazard! Hurricanes and tornadoes, especially, can cause significant damage to mobile homes with the high winds easily flipping, uplifting and damaging the home.

Strap-downs and straps are required to offer stability from these cases, and some newer models use frame anchors tied to the chassis. Some carriers may require a particular type of tie-down for a specific part of the country. Wind zone ratings will indicate how much wind a mobile home can withstand.

With all this in consideration, is the part-vehicle part-home eligible for homeowner's insurance? Coverage is offered for when the mobile home is on the move, covering collision, collision defined as it is in the auto policy.

"As long as the collision happens while the vehicle is being transported there is coverage," Property Casualty 360's article reads. "Not covered is a loss caused by the home making contact with the transportation vehicle that results in damage to the home unless the transport vehicle was in an accident. The coverage applies for 30 days from the effective date on the endorsement. Coverage also includes upset of the home while it is in transit or stranding or sinking if the home is on a licensed ferry line."

Mobile homes require their own coverage needs, meaning its policy will be different from a homeowner's policy. There are carriers that specialize in mobile homes and the coverages they need:
HomeInsuranceWeb.com

Do you have storm damage? Call SERVPRO of Northern Summit County at 330-650-4486

HVAC Compressor Damage: Lightning or Wear & Tear?

8/15/2017 (Permalink)

In the summer months, when severe weather is most prevalent, property carriers see an increase in claims for lightning damage to HVAC equipment, and most often to the compressor.

HVAC compressor damage due to lightning is commonly misdiagnosed. More often than not, an HVAC claim that is originally reported as damaged by lightning is ultimately found to have suffered damage due to some other cause of loss.

No matter the time of year, one of the most common culprits of compressor failure is mechanical damage due to age-related wear and tear. Nearly 43% of all compressors (regardless of how the damage is initially reported) fail due to this cause of loss.

Considered the “heart” of the HVAC system, the compressor is not only critical to proper system function, but can often be impossible to repair and expensive to replace. Moreover, without understanding the root cause of compressor failure, the simple act of replacing this component may not ultimately resolve the overarching issue. When handling HVAC claims, it is critical to understand what caused the compressor to fail before agreeing on a scope of repair for settlement.

For additional information on mechanical damages versus electrical damages, click here to the source of this information.

Vehicles After Flooding: Filing a Claim

8/14/2017 (Permalink)

No region is safe from flooding. All 50 states are subject to flash floods.

In the aftermath of a natural disaster, it is important for consumers to be aware of the warning signs of a flood damaged vehicle. If you are in the market to buy a used vehicle, be sure to inspect it carefully.

The following tips on filing a claim will help those with flooded vehicles after a storm:

  • Contact your insurance agent as soon as possible. Have your policy readily available and find out whether the damage is covered under the terms of your policy and how long you have to file a claim.
  • Your automobile insurance policies cover flooding if you have purchased comprehensive coverage. If you only have liability coverage, your vehicle is not covered for flooding.
  • Minimize your losses and document the damage. Take photos of any damage and then make whatever reasonable temporary repairs that are needed.
  • Remember that flooding is generally not covered under standard homeowners and renters insurance policies. Flood insurance is a separate policy through FEMA’s National Flood Insurance Program and some private insurers.
  • Ask for identification from any agents, adjusters or contractors. Do not sign any contracts for repairs until you have been instructed to do so by your adjuster and you have called the Better Business Bureau in your area.
  • Don’t be afraid to file a claim. Storms are considered “Acts of Nature” and an insurance company cannot cancel, refuse to renew or increase the amount of a premium on a homeowners policy based solely on this type of incident.

Do you have storm damage? Contact our SERVPRO franchise at (330) 650-4486 or request help online.

Roof Tarps: Preventing Further Storm Damage

6/20/2017 (Permalink)

A damaged home protected under a roof tarp until further repair is put into action.

Roof damage can be caused by heavy rains, winds or falling debris. To reduce the possibility of even more damage, some may use a roof tarp, offering a quick solution and a gap of time until better weather permits a safe inspection and repair.

It seems like a good, and cheap, way to quickly cover the holes in the roof, stop the water leak, and prevent rodents from entering the home or business through those holes, although we do not recommend this as a permanent solution to the problem.

  • It will wear out over time.
  • It is only a temporary fix, and can cause more problems as time passes.
  • If the roof has water damage, mold could be growing in the affected areas.
  • Wind can move the tarp, leaving spaces uncovered and the roof will leak again.
  • If not installed properly, it could hold pools of standing water, aka, mosquitoes.
  • The tarp can increase the heat inside your home or business. Heat and moisture trapped under the tarp may cause mold and other damage inside your property.

Don’t wait for more damage to occur in your home or business! Our 24/7 Emergency Service can be reached at (330) 650-4486, or request help online.

Flood Safety Awareness Week is March 13-19

3/17/2016 (Permalink)

Floods can be unpredictable and cause a lot of damage. Stay informed and prepared as flood season approaches!

March 13-19 is Flood Safety Awareness Week. According to the National Weather Service, "Each year, more deaths occur due to flooding than from any other severe weather related hazard. The main reason is people underestimate the force and power of water. More than half of all flood related deaths result from vehicles being swept downstream. Of these, many are preventable." As flood season approaches, now is a great time to review such topics as the dangers of flooding, driving through water, and flood insurance. Additional resources are available at http://www.weather.gov/okx/FloodAwarenessWeek2016