Ask an Agent: Am I Covered If a Tree Falls on My Youngstown Home?
If the tree doesn’t hit your home or a structure on your property, such as a detached garage, generally there is no coverage for clean-up.
What if it wasn’t on my property? What about the removal? Will my policy cover the cost of the tree? How about the clean-up if it damages my home?
We have a lot of questions when something happens. Especially when it comes to our homes. SERVPRO of East Mahoning County knows how much anxiety and stress comes from home disasters. And that’s why we are here to help. Let’s ask one of our team members, who is a licensed insurance agent, some common questions dealing with tree damage to the home.
- What if the tree belongs to my neighbor, but it hits my home?
That is not an issue. You are insured no matter who owns the tree. Most likely, if your carrier decides to pay for the loss; they will continue with a process called “subrogation.” This is when they will write the check for the damage to you, but then they will follow-up on their end to get the money back from your neighbor’s policy. If your insurer is successful in getting the money back, sometimes you even get your deductible back. Sweet deal, right?
- As the homeowner, am I responsible for the removal of the tree? Or do I have coverage?
You most likely have some removal coverage. A standard amount on a homeowner’s policy generally falls in between $500-$1000, per tree. But it usually has to cause some sort of damage. If the tree doesn’t hit your home or a structure on your property, such as a detached garage, generally there is no coverage for clean-up. So, in laymen’s terms---property damage usually has to occur for clean-up to be covered.
- What if the tree was a Cherry tree, and it was worth money? Am I covered?
The Insurance Information Institute knows “stately trees and landscaping add value to a property and can be costly to replace. Standard homeowners insurance policies cover damage to trees and shrubs due to disasters or an accident—like fire, lightning, explosion, theft, aircraft, vehicles not owned by the resident, vandalism and malicious mischief.” So, if it is one of the losses mentioned…yes there is some coverage. But usually there is a cap per tree. (And honestly, it is not very much if the tree is valuable.) A good piece of advice is to talk with your agent NOW (before a disaster) and schedule costly trees on your policy. This is usually not expensive to do, and it covers the tree’s value properly.
- Who pays SERVPRO of East Mahoning County?
For a stress-free claims process, SERVPRO of East Mahoning County helps manage the insurance paperwork and process. We deal directly with your agent to make the most of your coverage. However, in order to start our emergency and restoration service, you must sign the “Service Authorization Form.” This allows us to take action immediately. We do not know your insurance coverage; therefore, it is impossible for us to know exactly what your insurance will cover. It is important to understand you are financially responsible for our services if you are not covered. Your deductible is payable before we start work. If for any reason insurance coverage cannot be verified at the time of our emergency service, an additional deposit may be required.
- Why should I choose SERVPRO for my storm damage?
Lower Recovery Costs – The SERVPRO® system helps save money. Emergency Mitigation Services help minimize additional property damages. SERVPRO® Franchise Professionals use specialized test equipment to determine hidden issues. Restoration versus replacement of contents saves heirlooms and money too. By using advanced techniques, SERVPRO® Franchise Professionals monitor and ensure your property is put back the way it was before the disaster.
Call us today for a tree loss---or any kind of storm damage. We are the area’s #1 restoration team, and we are open 24/7. Visit our website for more information and follow us on Facebook for more tips of the trade.
Why Sleet Can be Hazardous to Your Home
When significant amounts of sleet build up on the roof, real problems can happen.
Winter storms are a part of December. Especially in East Mahoning County. We see everything from heavy snowfalls, hail, to sleet and everything in between.
As a homeowner---you would not think sleet can do much damage to the structure of your home. If you are not savvy to the true definition of sleet---it is considered “freezing rain.” Sleet is also a type of precipitation that occurs when rain formed in warm air in the sky passes through a layer of cold air near the ground. Thicker layers of cold air create sleet, a slushy form of water that is semi-frozen by the time it reaches the Earth. Thinner layers do not give rain enough time to freeze until it hits the surface of the ground—it then forms a thin coat of ice wherever it lands. Sleet is much smaller pellets than hail, so the damage to the exterior of the home is much less, but that does not mean it is not causing harm.
When significant amounts of sleet build up on the roof, real problems can happen, especially if your roof or siding is old and worn out before the storm even hits. The older your roof shingles are the more brittle they become and can come off easily. Sleet creates moisture and can get underneath the loose shingles. This creates a magnitude of problems such as: water leaking into your attic, shingles falling off, and ice dams.
The same thing can also affect the siding. Old brittle aluminum, wood or vinyl siding can have cracks, chips, or holes for moisture to enter. Sleet can slide easily into the gaps---creating structural damage.
All of these things will lead to eventual water and mold damage. Which can add up to thousands of dollars in insurance claims and most likely money out of pocket.
Good thing SERVPRO of East Mahoning County is the leader in storm, fire, and water restoration. We are right here in your backyard helping Mahoning County residents. Restoring storm- and flood-damaged properties is the cornerstone of our business. Our highly trained professionals use specialized equipment and advanced training to quickly restore your Youngstown property to pre-storm condition. We are dedicated to responding immediately, which helps to minimize secondary damage. Should you need our assistance, this winter, with any type of storm damage…we are here for you 24/7. Being open 365 days, a year ensures we are the most reliable company around. Call us for a quote today at 330.536.7477.
Have Storm or Flood Damage?
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Canfield, Ohio Reconstruction Services
Our team of highly knowledgeable project managers work closely with your insurance provider to ease the burden during this stressful time.
Did you know that SERVPRO does more than just restoration type services? SERVPRO of East Mahoning County wears many hats and restoration and construction services are just a few to name.
As a local restoration company, we provide building services, including reconstruction or remodeling services. Our team of highly knowledgeable project managers work closely with your insurance provider to ease the burden during this stressful time. We also work closely with you, so that you get the exact final product that you desire.
The reconstruction process entails an approval phase, where we will send our estimate to your insurance provider or straight to you in the event of a remodel. This is often the lengthiest part of the process. After the estimate is approved either by you or your adjuster, work can truly begin. We will stock your job with all necessary materials before work even begins. Our Project Managers are there to walk you through the job, step by step and to answer any questions or address any concerns you may have.
Here are just a few of the services we offer:
- Board Up
- Carpet Repair and Installation
- Document Drying
- Dry Cleaning
- Drywall Installation
- Drywall Removal
- Electronics Restoration
- Fine Art Restoration
- Furniture Restoration
- General Contracting
- Hardwood Floor Repair
- HVAC Services
- Linoleum Floor Repair
- Marble Floor Repair
- Move Out
- Portable Power
- Roof Tarp
- Roofing Services
- Scalable Resources
- Temporary Fencing
- Temporary Warehouse Space
- Tile Floor Repair
- Tree Removal
If you are in need of reconstruction or remodeling services, call SERVPRO of East Mahoning County @ (330) 536-7477 today!
Why You Should Have Your Carpets Cleaned Professionally
Dirty carpets hold particles that will damage carpet over time, increasing wear and tear, making it almost impossible not to change the carpets soon.
Let’s be honest. When you walk into a hotel or business…a dirty carpet can really give you the heebie jeebies. In fact---the last time I stayed in a hotel I specifically kept my shoes on the whole time because I could feel the filth in the carpet. This leaves a complete distaste in a customer’s mind and will ensure you won’t have returning customers.
Dirty carpets hold particles that will damage carpet over time, increasing wear and tear, making it almost impossible not to change the carpets sooner than you thought. Commercial carpet cleaning on a regular basis can be the deciding factor, you make as a business owner, to keep your carpets for the long-haul.
The fibers in your carpet can also trap a variety of airborne pollutants, including chemicals, dust, and dirt. These germs can have your guests feeling allergy ridden. By keeping your carpets clean with professional services, you can rest assured that your indoor air is free of toxins. And your business smelling like a business should.
The Institute of Inspection Cleaning and Restoration Certification states that 79% of soil in carpet is dry soil. Vacuuming is a key component to proper care and maintenance of carpet.
Preventative maintenance actions also include:
- Regular vacuuming
- Spot removal
- Moving furniture to change traffic patterns
- Using walk-off mats to limit the amount of soil tracked onto the carpet
Our professional cleaning can address moderate and heavy soil conditions in your carpets. How often you will need professional cleaning depends on soil build-up, traffic, type and color of carpeting. A good rule of thumb would be to professionally clean your carpet every 12 months. The best advice is to clean carpets before they become totally saturated with soil. If you wait until carpets look really dirty, the carpets may never be restored to their former appearance. Dirt builds up in layers, and when a carpet looks dirty you are only seeing the dirt at the tips of the fibers. More dirt is hiding below the surface down near the base of the pile, causing damage to the carpet. When a carpet is saturated with dirt, the soil has penetrated crevices and has become firmly lodged.
If you’re thinking it’s time for some commercial carpet cleaning at your business SERVPRO of East Mahoning County will get the job done right. For a cleaning backed by state-of-the-art equipment and over 40 years of experience---we could not be more qualified to care for your business. Call us today for a quote at 330.536.7477.
Prepare Your Home or Business for Cold Weather Now!
Disconnect your garden hose---this prevents freezing of water in the pipes inside the house resulting in bursting of those pipes.
Oh, how those sweet memories from summer are starting to slip away. The chill of fall is already here. And us Ohioans know what is about to come. SERVPRO of East Mahoning County has made a checklist of the most important items to take a good, long look at before the snow starts.
- Clean gutters of debris so melted snow will drain properly and away from the home.
- Cut down on heating costs by checking windows and doors for gaps. Weatherstrip or calk to seal them up or decide if they need replaced.
- Hire a chimney sweep---especially if you use your fireplace.
- Change your furnace filter---changing the filter is perhaps the quickest and easiest way to maximize the efficiency of your heating system and to help purify your home’s air.
- Get an inspection done on your furnace and boiler---This reduces the chances that you’ll find out there is a critical issue with your system while already relying on it.
- Check batteries in smoke detectors---US Fire Administration says heating is the cause of 27 percent of structure fires!
- Disconnect your garden hose---this prevents freezing of water in the pipes inside the house resulting in bursting of those pipes.
- Make sure your sub pump is working properly. When discharge lines become frozen or clogged, the system fails. Discharge lines should be clear and covered.
- Check for missing shingles on the roof---the building might be in danger of flood the next time it rains.
- Purchase salt before the first snow---so you are prepared early!
If your East Mahoning County business or home loses the battle with Winter, we are here to help! We have crews available 24/7, 365 to make any snow storm disaster, “Like it never even happened.”
Why Does Mold Grow on the Bread in Your Kitchen?
Although mold is most easily discovered on bread or even the potatoes, the terrifying truth is that mold can grow anywhere in your kitchen.
Why Does Mold Grow on the Bread in Your Kitchen?
You went grocery shopping on Saturday and when you go to make a sandwich Tuesday morning you notice there is already mold growing on your bread. It can’t be so!
Few things are more frustrating than buying groceries only to have them turn moldy in just a few days. If you keep bread on your counter, you may wonder why mold often grows quickly on it. To understand bread mold, you must know a few things about general mold growth.
Mold Reproduces Through Spores
Unlike plants that usually need seeds to spread, mold reproduces through tiny microscopic spores. For spores to take hold, they often need both humidity and a food source. As such, mold is often common in area of your home that are frequently wet.
You may find mold in the following rooms:
- Laundry rooms
Kitchen Mold May Be in a Few Places
Although mold is most easily discovered on bread or even the potatoes, the terrifying truth is that mold can grow anywhere in your kitchen. In fact, you may even notice mold in your refrigerator.
Refrigerator mold often occurs inside appliances for a few reasons. First, humidity levels can be high in refrigerators. Also, your refrigerator likely has ample food sources to support mold and fungus growth.
Removing Mold May Not Be Simple
If you stroll down the cleaning aisle in your grocery store, there are likely dozens of products that claim to kill mold. Unfortunately, these products often only mask the appearance of mold. A cleaning product may bleach mold without actually killing it. While you assume mold is gone from your kitchen, spores continue to move around your home on air currents.
Seeing bread mold may cause you to lose your appetite. Unfortunately, it could indicate a larger mold problem in your home. By understanding how mold reproduces, you can develop a strategy for stopping mold. Nonetheless, you may need professional assistance to help you control mold in your kitchen.
If you find mold in your kitchen, or anywhere in your home or business, do not hesitate to call SERVPRO of East Mahoning County. We are mold mitigation professionals and will eliminate the mold spores. If you need our help, give us a call today!
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Fire Drills: Not Just For Schools
Fire drills are an important part of working in a commercial building as they keep people safe in case of an emergency.
Most everyone remembers fire drills in elementary school. The teacher prepares the class, line up single file and walk quietly and quickly outside.
But think about the last time you had a fire drill in the workplace?
Fire drills are an important part of working in a commercial building as they keep people safe in case of an emergency. It is important to be prepared to help prevent any injuries or fatalities.
Below are some fire drill tips for the workplace:
- Prepare an evacuation plan
It is important to have a plan in place before you need one. It is important to be as detailed as possible to limit confusion. Outline the exit routes and make a clear outline of actions employees will need to take to get to the escape destination. Make sure to include phone numbers for commercial building restorations as well.
- Train and Communicate with your Employees
Once you have completed the plan, it is important to effectively communicate and introduce it to your staff. Emphasize the importance of the fire drill and make sure everyone follows the plan. Prepare your employees in advance, then have them practice.
By running the drills, everyone involved will feel safer in case of an actual fire. It will help to set some goals with your staff that you hope to achieve by running the drills. The goal should identify and measure how well the plan works. Make sure to assess the success and adapt your goals for next time to improve performance.
Once running a drill, be sure to follow-up on any corrections. Revisit the plan as needed and make adjustments.
Regular fire drills help ensure everyone’s safety in case of an actual fire. If there is an actual fire, SERVPRO of East Mahoning County is here to help! We are dedicated to helping our community and want everyone to stay as safe possible.
Should you need our help, give us a call! (330) 536 7477
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Sleepiness is a Safety Hazard
SERVPRO of East Mahoning County wants you to get enough sleep and stay stress-free!
Although we may not be able to agree on if it is called soda or pop, or fireflies or lightening bugs; I think one thing we can all relate to is being tired. If you are old enough to be able to read, there is a good chance you have felt tired at least one day in your life. Everyone has the same number of hours in a day, but the to-do list can seem never-ending.
Lack of sleep can lead to multiple consequences and sometimes be quite dangerous in the workplace.
- Accidents can happen no matter what, whether you are at home, work, or in the car, with 12 hours of sleep or 4. However, there are many precautions and guidelines put in place to help prevent accidents from happening. If you are driving and feeling extra sleepy, pull over and take a quick 20-minute cat nap. Getting enough sleep at night is just one way to help prevent accidents.
- Sleep deprivation can cause issues when it comes to memory. It is very normal to forget things occasionally, but if you are sleep deprived, your memory loss can become more frequent and start affecting your work. Being well-rested each day can help you do your best for your co-workers and customers.
- If you are lacking sleep, it can be more difficult to concentrate and focus on a task. In addition, if you are a usual multi-tasker, it can be harder to juggle many ideas at once.
- Lastly, a lack of sleep can lead to a weakened immune system. Especially if you are consistently not getting enough sleep each night. When your immune system is weakened, you are much more likely to get sick.
SERVPRO of East Mahoning County wants you to stay as safe, well-rested, and healthy as possible. We urge you to be mindful and take care of yourself by resting your body and mind when you are tired.
In case of a fire, or water disaster, we are here to help 24 hours a day, 7 days a week! We are fire and water restoration experts with the training, equipment, and expertise to handle any size disaster.
Call us today if need help or want more information about our services! (330) 536 7477
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Your Burning Questions about Fire Damage Answered
Let the professionals at SERVPRO of East Mahoning County restore your fire damaged belongings!
After the flames and smoke clear, most people are left wondering, “What do I do now?” To help you overcome the despair and confusion of a fire, SERVPRO is here to answer some of your most common questions!
- Can I live in my home immediately after a fire?
If the damage to your home was not extensive, you should be able to live in your home. Smoke, soot, and water damage can all make a home uninhabitable.
You should always let the fire department survey the damage before re-entering your home. If your utilities are turned off by the fire department, do not attempt to turn them back on yourself.
If you do need temporary housing, friends and family may be able to provide that or The Salvation Army or The Red Cross Organization should be able to help you.
- Should I throw away all my food after a fire?
You should plan to throw away all the food remaining in your kitchen.
The fire department most likely turned off your electricity, so the food in your fridge and freezer is probably spoiled.
Be sure to inspect and thoroughly clean all your cutlery and cookware as smoke and firefighting chemicals can cause serious illness if ingested. Always error on the side of caution.
- Can I save my furniture?
Furniture is an investment and it will probably be one of your first concerns after the fire is extinguished.
Even after fire, smoke, and water have damaged your furniture, it can most likely be salvaged.
SERVPRO of East Mahoning County is here to help you get back to everyday life after a fire. Our professionals will come in and inspect the damage and develop a plan. We are fire and water restoration experts and are available 24/7.
Call us today if you have any more questions or need our help! (330) 536 7477
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Why Bother When it Comes to Water Damage?
SERVPRO of East Mahoning County can restore your home and belongings after water damage!
When water damages your home, it may be quick and easy to think, “Ugh, I will just replace everything.” I do not want to bother trying to dry everything out and get rid of the musty, wet smell.
Believe it or not, water restoration through mitigation is cheaper than replacing.
When SERVPRO of East Mahoning County arrives on the scene, they will locate and access the source, type, and scope of the water damage.
Then, we will use our specialized equipment to dry out your property and belongings quickly and efficiently. We employ air movers and industrial dehumidifiers, while monitoring and documenting the entire drying process. Our technicians are highly trained and IICRC certified in water restoration and mitigation.
This process has been proven effective and helps you and your family or business get back to normal life as soon as possible.
Without the right team on your side, the water restoration process can cost you an arm and leg and be excruciatingly slow and painful. Rest assured, SERVPRO of East Mahoning County is here for you!
If you have any questions or need our help, call us today! (330) 536 7477
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