Does your insurance policy cover Mold?
Do you know what's hiding behind your walls? If you've had water damage, there could be something more.
Does your insurance policy cover mold?
Mold removal can be extremely costly, so you don’t want to find out too late that you’re not covered!
What’s included in mold coverage?
Coverage varies from policy to policy and state to state, so the only way to know for sure if your policy will cover mold removal is to read your policy carefully. Or, if the long document intimidates you, you can just ask your agent. It’s good to let the experts explain the nitty gritty details, that way you don’t miss a beat when an event does occur.
When Mold Coverage Exists:
In cases where mold coverage exists, coverage needs to be triggered by another covered cause of loss such as:
- Burst pipe
- Residual water from putting out a fire
Water Damage from a Leaky Roof
Homeowners insurance usually won’t pay for water damage that results from a leaky roof, and most policies won’t cover mold damage that results from a leaky roof, either. This is because it is within your responsibility to provide maintenance to your home. However, if damage to the roof is caused by a fallen tree or limb, that damage usually will be covered by homeowners’ insurance. In that case, your insurance policy might also cover any resulting mold damage.
Note: Ignoring the problem won’t make it go away
Most policies have a requirement that you take reasonable steps to mitigate damage. Once you are aware of a water loss you have a duty to address the condition to protect from further damage. If you are aware of otherwise covered water damage and fail to take any action, there could be coverage issue for the water damage as well as any resulting mold damage.
We hope you don’t need our services, but if you find mold in your home, call SERVPRO of Black Hawk County at (319) 268-1521. We’ll arrange mold testing with MB Mold and Air Quality Testing in Dubuque, a trusted firm we utilize.
When Storms or Floods hit anywhere from Black Hawk County to New Hampton, or even Grundy Center, SERVPRO is ready!
Life comes crashing in-THROUGH the CEILING! Our highly trained crews are ready to respond 24/7 to storm or flood damage in Black Hawk County.
SERVPRO of Black Hawk County specializes in storm and flood damage cleanup. Our crews are highly trained and we use specialized equipment to restore your property to its pre-storm condition.
Since we are locally owned and operated by Scott and Libby Demuth, we are able to respond quicker with the right resources, which is extremely important. A fast response lessens the damage, limits further damage, and reduces the restoration cost.
Resources to Handle Floods and Storms
When storms hit Black Hawk County or anywhere between New Hampton and Grundy Center, we can scale our resources to handle a large storm or flooding disaster. We can access equipment and personnel from a network of 1,700 Franchises across the country and elite Disaster Recovery Teams that are strategically located throughout the United States. That’s SERVPRO Strong!
Have Storm or Flood Damage? Call Us Today, SERVPRO of Black Hawk County, 319.268.1521
Using technology so you are READY not RUINED when disaster happens!
Preparing for the WORST, using technology, is the BEST way to be READY!
According to ready.gov, when a business suffers from a disaster the likelihood of reopening is only 60%.
When disaster comes, you can be ruined or you can be ready with the help of technology. The difference between those who make a comeback and those who don’t is preparedness. Here are some of the best ways to prepare for the worst.
- Backup online: Various services such as Google and Dropbox offer secure, online document storage. Backup your important computer files and/or images of important documents online where they can be recovered immediately.
- Stay informed: Follow local news, local government, FEMA and SERVPRO of Black Hawk County on social media such as Facebook and Twitter.
- Mark yourself safe: Keep your family and friends up-to-date. Use Facebook’s Safety Check, or The American Red Cross’ Safe & Well site to mark yourself safe after you’ve been caught up in a natural disaster, or crisis situation.
- Update Contact Info: Maintain current contact information in your e-mail and phone for family and friends you may need to contact in the event of an emergency.
- Stay charged: Keep a portable charger charged up and ready to go in your home and vehicle. Solar powered chargers are available as an alternative to portable chargers. Solar chargers don’t require recharge and may be more reliable in the event of a natural disaster or crisis situation.
- Get an Emergency READY Plan (ERP) put together by SERVPRO of Black Hawk County.Give us a call to make an appointment to have an ERP- Ready Plan put together for YOU!
- Your local SERVPRO of Black Hawk County marketing department is specially trained to assist you in preparing an Emergency Ready Plan for your business. Our READY Plan software is available at no cost and once completed you can manage in online yourself through the READY Plan mobile app.
It’s all about us, all for you! Training brings positive results at SERVPRO of Black Hawk County.
Regional meeting brings hands on training and education for employees of SERVPRO'S across Iowa.
We invest in our SERVPRO of Black Hawk County employees by sending them to education classes put on at SERVPRO regional meetings.
Marketing departments from the SERVPRO’S across Iowa gather to discuss social media trends, and unique ways to educate homeowners and business proprietors on recovering from damages of water, fire and biohazard.
Project managers from Iowa experience hands on demonstrations by equipment venders as they discover new ways to use drying tools in homes and businesses.
Franchise owners study up on business advancements and network, sharing insights on clean-up efforts in water and fire losses.
It’s all about us, all for you! More instruction and training brings positive results during catastrophic times like flooding or a disaster with basement sewer back-up or restoring people’s lives after a fire.
Ask for SERVPRO of Black Hawk County when you have a fire or water problem.
SERVPRO of Black Hawk County 2018 Continuing Education Classes with YOU in mind!
Todd Davis presenting continuing education class at Hawkeye Community College for SERVPRO of Black Hawk County in 2017.
Continuing education classes (CE) are an important part of practicing insurance for both personal lines and commercial agents.
Each state has different licensure requirements for insurance agents. In general, to obtain a license to sell insurance, one must pay a fee, complete a pre-licensing training course and pass a licensing examination.
Agent licenses must be renewed and maintained by completing continuing education.
The magic number 36 is how many credit courses Iowa resident licensees must complete of CE’s every three years. Only 18 hours of the total requirement can be earned through self-study unless a course is part of a national designation. Three hours of ethics training must be included as part of the overall CE requirement.
SERVPRO of Black Hawk County organizes and makes possible classroom CE credit courses. The courses are presented by a licensed speaker that has been approved and has their classes registered in the State of Iowa.
2018 CE classes being offered by SERVPRO of Black Hawk County:
- Ethics Boot Camp (3 CE’s) 9:00 to 12:00
- Navigating Insurance Claims (4 CE’s) 1:00 to 5:00
- Insurance Hot Topics & Trends (4 CE’s) 8:30 to 12:30
- For a few dollars more, Endorsements (4 CE’s) 1:00 to 5:00
- Fee for 1 class per day is $20.00, both classes taken on the same day is $35.00.
Space is limited, registration is on a first come, first served basis.
Back by popular demand, Instructor Todd Davis, Davis Agency Insurance of Peoria, Illinois, will teach these all new courses. Conveniently located with plenty of parking, the classes take place at Hawkeye Community College in Waterloo, Iowa.
Email Debbie Robeson at debbie@SERVPRObhc.com for registration material.
Water Extraction versus Evaporation
Weighted extraction "Ride On"
There are two ways that excess water can be removed from your property after a water damage loss, Extraction and Evaporation. A much larger volume of water can be removed by extraction in a much shorter period of time.
It is a pretty simply process to test, pour a few ounces of water on the counter top in two different areas. Set up a fan blowing across one area to utilize air movement to speed up evaporation. Use a sponge or dry cloth on the other area. Needless to say, this will prove the point. The same is true during a water damage loss to your home or business.
At SERVPRO of Black Hawk County we utilize both methods to get your property dried up as quickly as possible.
For extraction, we use several pieces of equipment including hard floor wands and carpet extraction machines, including this "ride on" weighted model pictured. Strong suction and downward pressure allows us to get water out of carpet and pad. This process is the most effective on free or surface water.
Once the water has been soaked into other materials such as, hardwood floors, drywall or wood, extraction becomes less effective and we concentrate on evaporation.
Evaporation uses a combination of air movement, dehumidification and sometimes heat to remove water that is bound or soaked into hard to dry materials.
Whether you have excessive surface water immediately after a storm or other water event or you have water that has become bound in building materials, SERVPRO of Black Hawk County has the tools and knowledge to make it "Like it never even happened."
Content and picture provided by SERVPRO of Dubuque, 2017.
Phone Charger Shorted Causing Fire Damage
This is a phone charger that was plugged in and shorted out causing fire damage.
In a continuing education class presented by Todd Davis, Davis Agency Insurance, for SERVPRO of Black Hawk County, Todd pointed out that one fast growing fire hazard was phone chargers left plugged in for extended time periods. Look around, do you have one plugged in now and possibly without a phone attached?
To prove the point, I am sharing a story from SERVPRO of Dubuque, Iowa. They were recently called to clean up and rebuild a local home that sustained significant fire, soot and smoke damage due to an electrical fire.
As usual they were prevented from beginning their work until after the Cause and Origin Specialist had reviewed the scene and determined the cause of the fire.
It ended up in this case that a cell phone charger was left plugged in after the phone was removed after charging overnight. The charger shorted out and started a fire resulting in $50,000 plus in damage.
It is commonly known that charging a phone while on top of a flammable surface such as in bed or on a sofa is a fire hazard, but what about once the phone is removed from the charger?
Most people are unaware that once the phone or even the charging cord are disconnected there is still power being drawn by the "wall plug".
As we find that we use more and more mobile electronics in our daily lives, most of us have a handful of different chargers for our cell phones, tablets and other accessories. It is common to leave wall plugs or car chargers plugged in and simply disconnect our devices. Unfortunately doing so is not only a fire hazard but is becoming one of the most frequent causes of electrical fires in homes.
Two possible preventative measures are either simply unplugging all chargers when not currently in use or to plug all chargers into a quality GFI power strip and turn it off when not utilizing the chargers.
I hope this information will be helpful and can prevent a dangerous and costly fire in your home or business. Should you have a fire or water damage loss, please remember SERVPRO. We can make it "Like it never even happened."
Thank you to SERVPRO of Dubuque for sharing the picture and story.
Freeze Drying can save your valuable documents and important papers when they have been damaged by water!
SERVPRO'S Large Scale Vacuum Freeze Drying Document Chamber.
SERVPRO Strong! That’s what I call our relationship with the rest of the SERVPRO franchises! We are unique in the fact that we all work together, sharing resources to better serve you!
One resource is large scale and portable document drying chambers. SERVPRO of Dubuque, Iowa offers a document restoration service. It’s true other restoration companies have this service, so what is the difference?
For starters, they have one of the only HIPAA certified document response crews in the area. If an event causes documents to get wet, response time is critical to stabilize the documents before they begin to degrade. Once the documents are frozen to stabilize them, we have plenty of time to discuss restoration options with the client.
The most effective method of restoration is vacuum freeze drying. The documents are brought under extreme vacuum to very low temperatures and sublimation will remove the moisture directly into a gas form.
SERVPRO of Dubuque has a large freeze drying chamber located in the Midwest, as well as access to one of the only mobile drying chambers in the country. The mobile unit can be delivered to a client’s building and the restoration can take place there. They are one of the only restoration companies that can accommodate this request.
Here is a list of items that can be salvaged using vacuum freeze drying:
- Books and manuscripts: coated papers, maps, parchment, pulp paper, drafting linens, text books, reference books, manuals
- Business/Personal records and documents: legal/bank/company files, patient and medical records, x-rays, engineering and architectural plans and drawings, catalogues, reference materials, certificates, contracts, passports, transcripts, tax records
- Historical and collectible items: archival documents, rare documents, maps, stamp collections, money collections
- Keepsakes: photographs, leather and hide items, newspaper articles, recipe books, cards, scrapbooks, baby books, wedding albums, yearbooks, baskets, awards & achievements
- Textiles: embroidery and needlework, silks, tapestries, flags
- Artwork: acrylic paintings, linen drawings, water colors.
SERVPRO of Black Hawk County utilizes these services. From a single file cabinet filled with personal financial documents to a warehouse full of documents, it can all be handled.
When you have SERVPRO of Black Hawk County cleaning and restoring your home or business, you will have a multitude of resources available to you! That’s the SERVPRO strong way!
Content provided by SERVPRO of Dubuque, 2017.
One incredible washing machine cleaning and restoring your items, the Esporta!
An inside look of the Esporta washing machine. Four multi chamber sections make up this appliance.
The Esporta Wash System, restores up to 85% of the soft contents that have been traditionally non-restorable!
Here's why it's important for you to know WHERE & HOW your content is being cleaned & restored.
- Your content will be cleaned by the latest technology - not harsh dry cleaning methods or out of date equipment & methods. The computer determines what is needed based on content.
- The Esporta will hold up to at least 6 standard loads of laundry, with room to spare.
- Your content will be inventoried and cataloged for more expedited claim process.
- Your content is stored in a safe, controlled environment.
- You will have emergency laundry cleaned and returned quickly.
Examples of what the Esporta can do is decontamination of soft content, remove smoke, odor and stains, and clean sewage damaged clothing. It can hold a variety of sized items in its multi chambered sections.
SERVPRO of Black Hawk County utilizes the Esporta Wash System which is located at the SERVPRO of Burlington, Iowa site.
Providing more restoration resources for you so we can make it “Like it never even happened.”®
Restoring Your Black Hawk County Commercial Property After A Water Damage Event
Extracting water from a broken water pipe after it floods a business's basement before an event.
Flooding and water damage events at commercial properties are often complex with numerous issues that require a knowledgeable and flexible response. Whether we’re dealing with a relatively small water cleanup scenario or a large scale event, we work quickly to assess each unique situation and isolate the damaged area. In many instances, normal operations can continue in a temporary space while we restore your facility.
Restoring Commercial Properties Presents Unique Challenges
Our professionals are trained to be mindful of legal and environmental concerns and strive to fully restore the damaged area while working within your budgetary constraints. We understand that every hour spent cleaning up is an hour of lost revenue and productivity. So when an emergency situation arises in your business, give us a call and we’ll be there fast with the help you need.
About SERVPRO of Black Hawk County
SERVPRO of Black Hawk County specializes in the cleanup and restoration of commercial and residential property after a water damage event. Our staff is highly trained in property damage restoration. From initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property.