Recent General Posts
Should I File a Water Damage Claim with my Insurance Carrier?
"Like it never even happened."
When faced with a water damage situation, either at home or commercially, one of the first questions to ask yourself is “Should I file a claim?” There are a number of reasons why this is an important factor to consider once you have the mitigation (cleanup) portion under control.
Of course, the first step with any water loss is to get help immediately to stop the source of the leak, BEFORE you mitigate the loss (get it cleaned up)! Call a team like SERVPRO of Atascadero even if the water is still flowing—we help get the source stopped/shut off until repairs can be completed to prevent further damage.
By not acting fast, secondary damage can result in mold issues which may or may not be covered by your insurance policy. In California, there are restrictions as to how much coverage will be offered for mold remediation. So regardless as to whether or not you decide to file a claim, it’s still of vital importance that you act fast. In fact, your insurance company might even try to use your lack of action against you and try to deny the claim because you waited too long & inadvertently caused more damage than otherwise would have been the case. So always pick up the phone and call a team like SERVPRO of Atascadero right away.
Once the leak is stopped, it’s time to mitigate the loss and then evaluate the situation to determine if it’s actually worth it to file a claim with your insurance carrier. In many cases, smaller water damage losses can and should be paid out of pocket to save you money in the long run. Unless it’s very obvious that the claim is going to be a huge bill due to extensive damage, always take the time to weigh the pros & cons before you commit to filing a claim.
Don’t worry about having the work done before you call your carrier—they were going to tell you to get the work done ASAP anyway, and it’s YOUR CHOICE as the insured as to which vendor you choose to do the work.
First, request an estimate from the mitigation team—they should be able to give you some kind of ballpark dollar amount which you can use to weigh against your deductible as well as your total annual premium cost. Then, you’ll want to consider how much your premium cost stands to rise based on this new claim—you’ll want to contact your insurance agent who sold you the policy to discuss this with him/her. (Don’t bother trying to discuss this with an insurance adjuster, because they won’t be able to discuss premium rates with you).
In a nutshell, you need to try & calculate the cost for the loss to be cleaned up and repaired, versus your deductible and current/projected insurance premium. If it’s going to cost you less in the long run to just pay out of pocket, you’re better off not filing a claim. This is where the conversation with your agent comes into play—they can tell you how much your rates could be affected if you file a claim and show you on paper just how much money you stand to save over the course of time. This is largely dependent on the magnitude of the loss—if it’s obviously a huge water loss with extensive damage to the property, then filing a claim is the obvious choice. It’s the smaller incidents that might not prove worthy of filing a claim, because in the long run you might end up paying more in increased premiums than if you had just paid for the mitigation & repairs yourself. You’d be surprised how many people don’t stop for a moment & consider all these factors before picking up the phone and filing a claim.
Water damage losses, particularly in California, are the most common type of claim filed by homeowners. & They can get quite expensive depending on the severity of the loss. Insurance carriers have reacted to this trend by implementing new policies & lobbying for new laws by which YOU as the insured, carry a higher burden than you might expect: the claim can not only raise your rates for as long as you own the property, but depending on the insurance company, the claim could follow you even if/when you sell the property and buy a different property. Yes, you read that correctly: your premiums might be affected by a water loss at a different property than the one at which you filed the claim. A simple analogy would be that it can be much like getting a speeding ticket: the ticket affects your car insurance rates, and selling your car & buying a different one won’t make that speeding ticket go away. THIS is why it’s so important to take a moment to consider the long-term effects vs. the short-term gain. Ask yourself: “Should I file a claim?”
REMEMBER: regardless of whether or not you file a claim, keep in mind that you’re still going to have to get the work done by a professional reputable water mitigation team. SERVPRO of Atascadero is available 24/7 to respond to your needs from SLO to San Simeon and everywhere in-between, including (but not limited to): Paso Robles, San Ardo, Cambria, Morro Bay, Cayucos, Los Osos, Templeton, Santa Margarita…and more!
We hope this helps. We offer services ranging from water damage mitigation to mold remediation to fire/smoke damage. If you have any questions, comments, concerns, or are in need of immediate assistance at your home or place of business, call SERVPRO of Atascadero—we’ll be happy to assist.
Disaster Response Professionals outline holiday home fire prevention guidelines
Local Disaster Response Professional Says Keep the Focus on Fire Prevention for a Safe and Joyous Holiday Season SERVPRO® restoration specialist outlines holiday home fire prevention guidelines.
San Luis Obispo, CA (Grassroots Newswire) November 29, 2017 --
The American Red Cross (ARC) cites statistics from the U.S. Fire Administration1 showing nearly 47,000 fires occur during the winter holidays, claiming more than 500 lives, causing more than 2,200 injuries, and costing $554 million in property damage. Joseph Powers of SERVPRO® of San Luis Obispo cautions home owners to follow some important ARC guidelines for holiday decorating and entertaining to make sure that the glow in their holiday celebrations is from twinkling lights and not a costly and potentially deadly fire.
Place Christmas trees and other holiday decorations at least three feet away from heat sources like fireplaces, portable heaters, radiators, heat vents, and candles.
Purchase flame-retardant metallic or artificial trees. If you purchase a real tree, make sure that it has fresh, green needles that aren't easily broken. Keep live trees as moist as possible by giving them plenty of water.
Make sure that light strings and other holiday decorations are in good condition. Do not use anything with frayed electrical cords and always follow the manufacturer's instructions.
If you are celebrating Hanukkah or Kwanzaa, keep flammable items, including curtains and holiday decorations, at least three feet away from your candles. Place your menorah or kinara on a non-flammable surface, such as a tray lined with aluminum foil, to catch the melting candle wax. Never leave lit candles unattended.
Ensure all candles and smoking materials are properly extinguished after guests leave and always unplug tree and holiday lights before leaving home or going to bed.
If, in spite of all your precautions, a fire does break out, the most important thing you can do to help save lives is to install and maintain smoke alarms throughout your property, says Powers. Having a working smoke alarm reduces everyone's chances of dying in a fire by nearly half.
Powers notes that the ARC is joining with fire departments and community groups nationwide to deliver and install a limited number of free smoke alarms in homes for those in need. Contact your local ARC chapter for more information.
The disaster response professionals at SERVPRO, a leader and provider of fire and water cleanup and restoration services, witness the devastation that home fires can cause far too often.
They also know that when fire causes a loss of life, there is no remediation possible. To keep the focus on fire prevention, rather than fire restoration, SERVPRO has teamed up with the American Red Cross by supporting the ARC Disaster Responder program, and in particular the Home Fire Preparedness Campaign.
As a Disaster Responder, SERVPRO pledges dollars and support in advance to help the ARC develop and distribute educational materials and respond immediately when they are needed.
As a SERVPRO professional, I know that even the most diligent fire prevention planning can't prevent all home fires. That's why fire safety planning, like installing and maintaining smoke detectors and having a family escape plan, is also important, says Powers. If a fire does break out in your home this holiday season, make sure all your family members follow this life-saving advice from the ARC: Get Out, Stay Out, and Call for Help.
For more fire prevention and fire safety tips and information about fire and water damage restoration services, please visit www.SERVPRO.com. For more information on SERVPRO® of San Luis Obispo, please contact Joseph Powers at (805) 541-1271 or office@SERVPROsanluisobispo.com.
SERVPRO: A company you can rely on
Fire and Water Damage
Providing water and fire damage restoration services since 1967, we know what it’s like to suffer from the inconveniences that fire, water, and mold can cause. We have your fire and mold repair needs under control! We are a company you can trust to be efficient in doing what you’re paying us for, whether its mold remediation, fire damage restoration, water damage restoration, or storm and flood damage, we do it all!
Providing 24/7 emergency service
We deliver service all over the county, from Shandon to SLO, and we’re readily available 24/7 to serve all your emergency needs, whether it’s a fire or a flood, there’s nothing we can’t take care of.
We have offered Paso Robles fire and mold repair, but we can also restore damage caused by biohazards, rodent infestations, storms, natural disasters, and even floods. With our access to special disaster recovery teams strategically placed throughout the county for optimal response time, we can respond to disasters as fast as you may need us to restore your property and make it “Like it never happened.”
Our staff is highly skilled to suit any and all property damage restoration needs. We are constantly investing in advanced training methods and techniques to stay up-to-date on the latest advancements in mold remediation and fire damage restoration so we’re always at the top of our game!
We’re highly-trained in all areas of damage control, both commercial and residential, to supply you with the best restoration services in the county, whenever and wherever you need us. While we’re doing our job, you can rest easily knowing that the problem has now been placed in the hands of our highly qualified staff.
We even offer cleanup services!
Every hour you spend cleaning is an hour of productivity and revenue lost. In the time you spent cleaning up, you could have been running your business! At SERVPRO, in addition to restoration, we also offer cleanup and inspection services. Whether it be carpet or upholstery cleaning, construction cleanup, sewage cleanup, biohazard cleanup, trauma scene cleanup, rodent infestation cleanup, or even something as simple as mold remediation, let us take care of all of your Paso Robles fire and mold repair needs.
For a helping hand you can trust, call SERVPRO fire and mold repair experts today at (805) 239-0466. SERVPRO is based in Atascadero and has provided services for clients in all of North County including Paso Robles.
After serving various clients with Paso Robles mold damage remediation needs, we know the strains that a disaster such as water, fire, mold, or storm damage can put on a property. There’s no job too large for us, whether it be commercial or residential, we have the experience and know-how to restore your property back to pre-disaster conditions in the most timely and cost-effective manner possible. With our highly-skilled technicians, we aim to minimize the difficulties you encounter in a home disaster and provide you with a safety net to quickly and professionally make it “Like it never happened”
We are readily available 24 hours a day, 7 days a week for any emergency situations you may encounter, and we even have access to 1,650 SERVPRO franchises located throughout the country. In the event of an emergency or disaster, we even have access to special Disaster Recovery Teams systematically placed throughout the country to optimize response time and arrive at the scene of emergency in the most timely and professional manner as possible.
Highly-skilled and trained staff
SERVPRO takes pride in our employees. Our technicians are highly skilled and are constantly looking to improve themselves. We have, in the past, served clients looking for Paso Robles mold damage remediation specialists, and we constantly invest in the latest training and mold remediation techniques to be sure that we’re up to date on our stuff. You can rest assured, knowing that whether it be fire, water, or mold damage, you’re in good hands with SERVPRO at the wheel. We’re dedicated to maintaining the smile on the faces of our many customers, and we won’t rest until they’re satisfied. When fire damage occurs, often times the firefighting efforts will leave water damage and that can lead to a mold infestation. Mold can produce harmful allergens and irritants and can be a huge burden on a household or workplace. Whatever it may be, SERVPRO has the tools and know-how to remediate it. We first locate the source of the water feeding the mold and cut it off, then the mold remediation process begins. We use a negative air pressure chamber to isolate the infected area, and demolish any remaining spores to make sure that your mold problems are no longer existant.
How can I contact SERVPRO?
Reach us by phone at (805) 239-0466. When disaster strikes, call SERVPRO for a helping hand you can rely on!
SERVPRO® Pledges Ongoing Support to the American Red Cross Disaster
American Red Cross
Red Cross recognizes SERVPRO for their contribution to disaster
preparedness and recovery efforts.
Atascadero, CA (Grassroots Newswire) June 1, 2016 -- The American Red Cross recently recognized SERVPRO®, a cleanup and restoration company, for participation in its Disaster Responder Program1. As a Disaster Responder Program member, SERVPRO pledges a donation to the Red Cross in advance of disasters, allowing the organization to respond quickly and effectively to nearly 66,000 disasters annually, most of which are home fires. SERVPRO is entering their third year of partnership with the Red Cross; their donations to the organization to date exceed one million dollars.
According to statistics cited by the Red Cross, seven people die in a home fire each day in the U.S. Aiming to reduce deaths and injuries caused by home fires by 25 percent by the end of 2019, the Red Cross launched a Home Fire Campaign in October of 2014. The support of SERVPRO and other Disaster Responder Program members allows the Red Cross to pursue their home fire prevention goals while they continue to provide critical services to disaster victims.
One of the reasons home fires account for the majority of the disasters the Red Cross responds to annually is that the risk for home fires exists all year long, said Joseph Powers, owner of SERVPRO of San Luis Obispo. Statistics compiled by the National Fire Protection Association (NFPA)2 show the majority of home fires are related to unattended cooking accidents and cooking is something most people do every day.
Although SERVPRO's business is helping business and home owners recover from fire, flood and other disasters, the company and its franchisees actively support disaster preparedness education, including fire prevention efforts. When disaster does strike, their relationships with major insurance companies combined with industry-leading job-management technology help smooth the path to rebuilding and restoration for home and business owners affected by the unexpected.
SERVPRO's commitment to the Red Cross Disaster Responder Program means that, when disaster strikes, homeowners can count on the Red Cross to address their immediate needs and supply essential services, said Powers.
Once the immediate emergency is under control, homeowners can count on the expertise of restoration specialists at SERVPRO of San Luis Obispo to help them restore their property and move forward with their lives.
For fire prevention tips and information about fire and water damage restoration services, please visit www.SERVPRO.com. For more information on SERVPRO® of San Luis Obispo, please contact Joseph Powers at (805) 541-1271 or office@SERVPROsanluisobispo.com.
Founded in 1967, the SERVPRO® Franchise System is a leader and provider of fire and water cleanup and restoration services, and mold mitigation and remediation. SERVPRO's professional services network of more than 1,700 individually owned and operated Franchises responds to property damage emergencies ranging from small individual disasters to multi-million dollar large-loss events. Providing coverage in the United States and
Canada, the SERVPRO® System has established relationships with major insurance companies and commercial clients, as well as individual homeowners.
What is SERVPRO?
SERVPRO is your local Atascadero mold damage remediation specialists. We know the strains water, fire, and mold can put on your place of residence or business, and in an effort to help you, we are readily available 24 hours a day, 7 days a week. Whether it is minor damage such as a burst pipe, or major damage from a heavy storm, SERVPRO is here to help! We are constantly investing in the latest mold remediation techniques for when your water damage problems become mold infestation problems, so you never have to worry.
Why should I trust SERVPRO?
Well, people all over the county rely on us to help them when they’re in need, and so far we have yet to let a single customer down! Fire, mold, or water damage, we can take care of it in the most timely and professional manner possible, assuring that you receive the customer service you’re paying for.
We lead in storm and recovery damage, and in the event of a major storm or disaster have access to the resources and personnel of over 1,650 franchises, as well as strategically placed special Disaster Recovery Teams throughout the country to optimize response time, and quickly make it “Like it never happened.”
We are the number one Atascadero mold damage remediation specialists, and we constantly are investing in the latest mold remediation techniques and training for our already highly qualified staff.
Atascadero mold damage restoration
Mold spreads quickly, and can produce allergens and irritants, which can be a major disturbance in your place of residence; SERVPRO Atascadero can assess, inspect, and remediate your property if necessary.
We first stop the source of water feeding the mold, and then isolate the affected area using a negative pressure chamber to make sure your mold problem is no longer existent!
Atascadero fire damage restoration
Even fire or smoke damage is no big deal to our highly trained damage specialists. We will take care of any soot, smoke, or fire damage done to your property and restore it as quickly and professionally as possible, and that is our guarantee. At SERVPRO, we strive to take your problems into hands you can trust and quickly make it “Like it never happened.”
Where can I reach SERVPRO?
SERVPRO, Atascadero Mold Damage Remediation specialists have a local office in Atascadero located at 8855 Curbaril Ave. or you can reach us by telephone at (805) 466-6618. When disaster strikes, call SERVPRO, for all your water, fire, and mold damage restoration needs!
Why choose SERVPRO Atascadero water damage restoration specialists?
When we need to service a customer quickly and efficiently, we use our mini van to service their Atascadero water damage needs.
SERVPRO Atascadero water damage, fire damage and disaster restoration specialists are the best choice when dealing with any type or size of disaster.
From small leaks to major damage, their franchise professionals have the edge over the competition because of their quick response time, professionalism, and extensive knowledge of the trade. They possess the proper equipment to get the job done quickly and thoroughly. Their goal is to make it, “like it never happened.”
SERVPRO is faster when dealing with disaster than other restoration services. Especially when dealing with water damage and flooding, timing is critical. Within minutes water can spread throughout the property, and quickly absorb into walls, carpet, floors and your belongings.
Within 24 hours, surfaces will begin to tarnish and furniture can begin to bend, swell and crack, and mold spores begin to settle. After a week, mold and property damage will worsen, even to the point of total contamination. SERVPRO is available 24 hours per day, 7 days per week. Their quick response time will help to minimize any damage and help save money on restoration costs.
SERVPRO is a franchised company, which means their franchise professionals go though an extensive, company-wide training process that guarantees that they are at the top of their field. All of the SERVPRO Atascadero professionals are versed in the standards set by the Institute of Inspection Cleaning and Restoration Certification, or IICRC. They have extensive water damage restoration training, and will monitor the entire restoration process to completion.
• Advanced equipment and techniques
SERVPRO Atascadero water damage professionals have the expertise and the top of the line equipment to deal with your restoration needs. Because each restoration project requires different solutions, SERVPRO Atascadero carries a wide variety of professional equipment. They will take you through the process of: initial contact, damage assessment, water removal/extraction, dehumidification, sanitizing/cleaning and into restoration.
SERVPRO® Celebrates 6th Consecutive Year on Entrepreneur's Top 10 Franchise List
Cleanup and restoration franchisor stands strong in the #7 position in the 2015 Franchise 500 rankings.
Water Damage Atascadero
Atascadero, CA - January 21, 2015 – SERVPRO®, a
cleanup and restoration franchise company, maintains its hold on the No. 7 spot overall, out of a group of 927 franchises that qualified for inclusion in the list in the recently announced 2015 Franchise 500 rankings, from Entrepreneur magazine. This recognition marks the sixth consecutive year Entrepreneur has included the company in its Top 10 list and the 12th consecutive year SERVPRO has earned the top spot on the magazine's list in its own industry, Restoration Services.
Entrepreneur magazine's Franchise 500 selection process uses objective, quantifiable measures of a franchise operation, to help would-be entrepreneurs identify franchise investment opportunities. Some of the most important factors considered by Entrepreneur in developing the list each year are financial strength and stability, growth rate and size of the system.
It's very satisfying to represent the ongoing brand leadership of SERVPRO® for disaster cleanup and restoration services in the Atascadero area, said Joseph Powers, owner of SERVPRO® of Atascadero. As a SERVPRO franchisee, we have the tools and knowledge, and the responsibility, to provide the best possible service to every customer.
According to Powers, SERVPRO continues to innovate with systems, processes and training designed to deliver faster, more consistent results to their customers. In the past year, SERVPRO customers benefited from the introduction of the following advanced features:
* The company's DryBook proprietary software, which provides franchisees with tools to capture and track the steps of a restoration project according to industry best practices and standards.
* The Here to Help® Connection, which provides homeowners with 24/7 access to real-time data, allowing them to track progress toward project completion.
* The Drying Chamber, which uses vacuum freeze-drying technology to vaporize water in water-damaged documents, a technique recommended by the Library of Congress. The process can recover and restore even the most delicate items and preserve the integrity of a variety of media including irreplaceable files, medical files, books, x-rays, photographs and more.
SERVPRO® specializes in fire and water cleanup and restoration services, helping both commercial and residential customers recover from property damage emergencies. Like it never even happened. For more information about SERVPRO® of Atascadero, contact Joseph Powers at (805) 466-6618 or office@SERVPROsanluisobispo.com. For more information about SERVPRO®, please visit http://www.SERVPRO.com.
Founded in 1967, the SERVPRO® Franchise System is a national leader and provider of fire and water cleanup and restoration services and mold mitigation and remediation. SERVPRO's professional services network of nearly 1,700 individually owned and operated Franchises responds to property damage emergencies ranging from small individual disasters to multi-million dollar losses. Providing coverage in the United States and Canada, the SERVPRO System has established relationships with major insurance companies and commercial clients, as well as individual homeowners.