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Commercial Insurance Coverage Limits Determine If the Fire Loss Is Partial

1/17/2022 (Permalink)

keyboard with a label from a business insurance When extinguishing the fire, water was a friend. Now, it is an enemy.

If The Fire Loss Is Partial, The Commercial Insurance Coverage Limits Determine This.

Simply put, the insurer will determine the loss to be partial if the policy limits are high enough to pay the cost of restoration. Damage inflicted by partial loss fires generally fall into three categories:

Water Cleanup Is the Top Priority After a Fire


When extinguishing the fire, water was a friend. Now, it is an enemy. It seeps into every porous material it encounters and continues inflicting damage in your building.

After the fire, aggressively remove the water as quickly as possible to minimize the fire loss. Any delay would be like sending mold an invitation to dinner. Water removal will require:

  • Elimination of standing water using pumps and wet-vacs
  • Removal of restorable wet fabrics, carpets and furniture
  • Disposal of unrestorable wet fabrics and carpets
  • Removal of everything not damaged by water
  • Removal and disposal of damaged wallboard and other construction materials
  • Deployment of high-volume fans to help dry out everything that remains

Smoke Damage Mitigation Is A Complex Process

While the water cleanup is underway, it would be a good idea to begin treating the damage caused by smoke. Smoke cleanup is usually a three-step process:

  1. Install air filtration equipment to remove residual smoke residue from the air
  2. Use ozone machines to neutralize smoke residue that has settled on surfaces everywhere
  3. Deodorize your building by thermal fogging
    Ozone and thermal fog are both dangerous to humans. Therefore, the structure should be unoccupied while those tasks are taking place.

Fire Damage Is Often the Simplest Cleanup of All

Damage caused by flames is easily identifiable. Anything touched by fire needs to be removed, painted or sent out for restoration. Complete the treatment of fire damage before completing the air filtration step.

All the tasks associated with fire loss and cleanup require specialized skills and equipment. A team of fire restoration specialists is in the Hingham, MA, area. They are ready to get started and are waiting for the call.

3 Facts About Fire Damage at a Rental Property

1/17/2022 (Permalink)

Trucks from a restoration company If you need assistance with emergency planning, or if you are currently dealing with fire damage and loss, contact SERVPRO, we can help you!

Three Fire-Related Facts For Renters

Rental property owners and tenants may be unsure about the limits of their responsibilities for fire damage. Here are three helpful facts about liability and insurance coverage in the event of an apartment fire in Weymouth Landing, MA.

1. Property Owners Are Responsible For Structural Damage

A landlord is responsible for covering damage caused by fire to the property itself. This includes building materials, systems, and provided contents, such as carpeting. A homeowners insurance policy should cover the cost of cleaning, restoring, or replacing damaged materials and items.

2. Tenants Are Responsible For Their Contents

Tenants are responsible for restoring or replacing their own possessions following an apartment fire. These contents may include clothing, furniture, electronic devices, and personal effects. This is likely to be the case regardless of the cause of a fire. Renters insurance can help to offset costs that accrue due to a fire at a rented residence. Tenants should make sure that that the policy they choose will cover replacement costs and not actual value with depreciation.

3. Renters Insurance Can Cover Additional Costs

Renters insurance policies may also provide a limited amount of liability coverage for negligence as well as injuries or property damage suffered by third parties. These policies may also help to offset a variety of expenses associated with loss of a use of a residence, such as additional living costs or the cost of temporary relocation for the duration of the mitigation and restoration process.

After an apartment fire has been extinguished, renters should document damage to contents and make a list of items in need of restoration, repair, or replacement. Try to locate proof of purchase if possible. Property owners should also document structural damage to support a separate homeowners insurance claim. Renters and landlords can both benefit from the expertise of a fire damage cleanup and restoration company in Weymouth Landing, MA. 

Commercial Property Insurance 101: What Is Covered After a Storm and What Isn't?

1/17/2022 (Permalink)

Business insurance form on one table If your business qualifies for coverage, your storm insurance often covers damage that occurs to your building, even the storm damage restoration.

What Is Covered And What Isn't In Commercial Property Insurance After A Storm?

As a business owner in Weymouth, MA, it is essential you understand your commercial property insurance and what emergencies it covers. While there are a lot of situations you are often covered for, there are specific types of disasters and circumstances that will probably not be included. It is important you consider your specific location, needs, and current insurance coverage when considering adding on new policies to your existing plan. While your storm insurance will vary slightly depending on your policy, here is an overview on what most commercial property insurance policies cover after a storm.

Is Storm Damage Covered?

In short, the answer is yes that insurance is typically included in your commercial property insurance policy. Since storm damage can cover a wide variety of emergency types, here are specific situations you can expect to be covered for:

  • Blizzards
  • Tornadoes
  • Hurricanes
  • Lightening

In the situations your business qualifies for coverage, your storm insurance often covers damage that occurs to your building, including the cost of storm damage restoration. Your policy may also cover the contents of the building, including equipment, furniture, and inventory, up to the predetermined dollar limit listed on your policy.

What Damage Isn’t Covered?

Under a standard policy, there are several situations where you will often not be covered. For instance, flood damage isn’t covered, and you will need to check if your policy covers windstorm and hail damage. While some policies automatically include this type of coverage, others require an additional plan. It is also important to note you will not be compensated from insurance for the time you are out of business unless you purchase business interruption coverage. Additionally, your plan will generally only cover damage caused by the storm and will not cover anything thought to be a cause of wear and tear.

An important step in preparing your business for an emergency is to find out what your specific commercial property insurance policy covers. While your storm insurance coverage includes many types of emergencies, not everything is automatically included.

3 Ways To Start Restoring Your Home After Water Damage

1/17/2022 (Permalink)

A specialist is removing water damage in a home When a water loss occurs, the water can quickly become absorbed by the materials in your home. Call SERVPRO for help!

3 Ways To Begin Restoring Your Home After It Has Been Flooded

If you’ve recently come across water damage in your Hingham, MA, home, you probably know it’s important to act fast. However, you may not know where to start when it comes to handling the water cleanup. Here are three ways to begin the process of restoration in your home, whether it’s due to common broken pipes or a surprise natural disaster.

1. Shut off the main water supply in the home until help arrives.


If damage has resulted from common leaks in the home, the most important first step is ensuring that the source of the water is found and stopped. Turning off the main water valve is key to taking control of the issue and stopping any more serious damage from occurring. Once a trained water damage restoration team has been contacted to inspect the home, they can inform you when the source has been located, and it’s acceptable to turn the water supply back on throughout the house.

2. Determine the toxicity of the water involved.

There are different types of water to consider when dealing with damage to your home. Clean water comes from sources such as simple broken pipes, rain or condensation, and it can be swiftly removed without the need for proper protection. However, the type known as black water is the most severe, coming from sources such as sewage lines or flood waters from natural disasters that can contain unknown bacteria or other contaminants. If this is the case in your Hingham, MA, home, stay away from the water and call for professional help to decontaminate the area.

3. If you’re able, try to dry out the area where damage has occurred.


If it’s safe to use electricity in the home, simply staging fans or dehumidifiers near the water-affected zones can be a great help to start mitigating the damage.

If you’ve come across water damage in your residence and you don’t know where to turn, know that there are always professionals here to help restore your home and give you peace of mind.

Why Are Polybutylene Pipes No Longer Used?

12/15/2021 (Permalink)

New gray and brown drain pipes isolated over white As poly pipes start to wear down, they may be more likely to cause water damage than other pipe materials.

Why Aren't Polybutylene Pipes Used Anymore?

Polybutylene pipes were commonly used in the late twentieth century. Some structures built between the 1970s and mid-1990s that have the original plumbing may still have poly pipes. This material is unreliable and may be unsafe. Most building codes in North America ban the installation of poly pipes. Learn more about why this pipe material is no longer used and why property owners should replace poly pipes at a commercial structure in Weymouth, MA.

Poly Pipes Degrade

Chlorine and other oxidizing treatments used to treat water can cause pipes made out of polybutylene to break down. As the pipes become more brittle, chemicals in the pipe material may start to leech into water. New plumbing materials such as PVC or CPVC are affordable and less likely to degrade.

Poly Pipes Break or Leak

As poly pipes start to wear down, they may be more likely to cause water damage than other pipe materials. These pipes may require more frequent repairs, which can be challenging as components made out of this material are no longer available. The condition of these pipes, which are likely to be more than twenty years old, will continue to worsen over time.

Poly Fittings Are Not Available

Poly pipes relied on Quest fittings, which are no longer made. Although it may be possible to use copper, PVC, CPVC, or PEX push fit or transition fittings with the same outside diameter with poly pipes, these connectors are not designed for use with this material. Using these fittings will not make the pipe material more durable.

Property owners may want to invest in new plumbing for a commercial structure in Weymouth, MA. Although this update can be costly, weakened polybutylene pipes can result in expensive water damage and increase the risk of secondary damage, such as mold growth. If a pipe bursts, contact a mitigation and restoration company.

Steps to Safely Remove Lint From Your Dryer’s Exhaust

12/15/2021 (Permalink)

using a bristle brush to clean the lint trap on a clothes dryer. SERVPRO is here to help in your time of need. We are fire damage restoration experts who are available 24 hours a day to respond when you need us.

How To Get Lint Out Of Your Dryer's Exhaust In A Safe Way

When you think of the reasons that a fire might start in your home in Hingham, MA, a dryer fire may not be the first thing that comes to mind. Dryer lint is made up of tiny bits of fabric that have sloughed off of clothing during the tumbling process in the dryer and is highly combustible. As you know, lint builds up in the removable filter on a per/load basis and needs to be removed after each load has run. You can imagine then, how the lint builds up in the exhaust tube over time and is constantly exposed to a good deal of heat. Do you know how to clean your dryer’s exhaust hose to prevent a lint fire?

Cleaning Lint From Your Dryer’s Exhaust Hose

•Always unplug the dryer before taking any steps other than cleaning the regular filter
•Remove the back panel and disconnect the exhaust hose
•Vacuum the exposed areas and wipe away any dust
•Remove the lint filter and use a nozzle to vacuum out deep lint from the area around the filter
•Make sure to repeat the process six months to reduce the risk of lint fire

Additional Safety Measures

You can also use a long attachment with a brush on your drill to remove any stubborn lint – it tends to stick dye to the moisture being removed from the clothes. If your dryer vents to the roof, you may want to hire someone to come and clear it of any lint build up.

A lint fire is not a laughing matter, and it can cause as much damage as any other kind of blaze. Structural fire damage as well as water and smoke damage can wreak havoc on your home. You may want use a professional restoration service in Hingham, MA, to do a damage assessment. Once burnt debris is removed cleanup can begin and it can be overwhelming. They may be able to salvage many of your belongings through ozone or ultrasonic treatments, washing and dry cleaning.

The Leading Causes of Home Fires and How To Prevent Them

12/15/2021 (Permalink)

Young Man Using Red Fire Extinguisher To Stop Fire Coming From Oven In Kitchen SERVPRO is here to help in your time of need. We are fire damage restoration experts who are available 24 hours a day to respond when you need us.

The Most Common Causes of House Fires And How To Avoid Them

You lock your doors and windows. You use lead-free paint. You have a video doorbell. But are you really doing everything you can to keep your home in Weymouth Landing, MA, safe? A home fire is one of the most frightening and unexpected things anyone can imagine. It may seem like something beyond your control and there are no guarantees, but you can learn the leading causes of house fires and take steps to help prevent a disaster in your home.

Leading Causes of Fires in the Home

•Home grills, barbecues and hibachis
•Kitchen fires that involved cooking
•Electrical fires
•Space heaters
•Christmas trees and holiday decorations
•Clothes dryer lint fires

Preventive Measures

If you have any of the above situations, you could be at risk for a home fire. Thankfully, there are steps that can be taken to minimize the risk in your home. When using an outdoor grill, make sure it is away from overhangs, trees, etc., and never use it indoors. Wipe up grease spills immediately and avoid overheating fats or cooking too close to combustible objects to avoid a kitchen grease fire while cooking. Never overload an outlet, use an extension cord for appliances, or operate an appliance with a frayed cord. Test space heaters and keep them three feet from other objects and never leave them unattended. Make sure holiday lights have their bulbs firmly seated and that the cords and plugs are intact. Take measures to ensure that candles or cigarettes are used safely. Be diligent in removing lint from the filter and exhaust of your dryer

A home fire causes grief and despair for many people and the cleanup is a lot to tackle on top of that. You may not even know where to start with the task of cleaning, repairing and restoring your home. You are better off to get some help from fire cleaning experts or emergency restoration services in Weymouth Landing, MA, to help you put your home back to normal. Education is power and knowing how to help prevent a fire is the first step to avoiding one.

How To Avoid Additional Damage After a Flood

12/15/2021 (Permalink)

the old dirty cellar flooded from a pipe break When your home requires water damage repair and restoration, our crew is here to help! We're standing by 24/7 to respond to your emergency.

How To Prevent Additional Flood Damage

When your home floods, getting the water out and getting everything back to normal is probably your primary concern. If the process is not handled quickly or properly, however, your house in Weymouth, MA, could suffer secondary damage. Problems such as sagging walls or black mold could appear. To avoid these situations, there are a few precautions you need to take.

Types of Damage

Aside from the primary damage caused by the leak and subsequent flooding, other issues could occur. Some of these concerns include:

  • Mold growth
  • Cracks in walls
  • Buckling hardwood floors
  • Damaged finish on floors
  • Detached tiles or peeling vinyl

There doesn’t have to be visible standing water for these problems to occur. Black mold can start to grow in high humidity that results from failure to dehumidify the area affected by the flooding. An incomplete repair process can cause just as much residual damage as a delay.

Prevention Strategies

To ensure that you don’t add secondary damage to your home’s issues, it’s important to hire certified water restoration specialists who can be trusted to see the repair process through from beginning to end. Of course, all water should be removed, and all surfaces cleaned. The restoration doesn’t stop there, though. Not only should they take away all saturated materials from the area, but they should also make sure the items are thoroughly dried and cleaned before bringing them back into your home. Wet areas should be well ventilated to reduce humidity levels and help rooms dry more quickly. After the entire cleanup process is finished, technicians should complete final tests for microbes and mold growth.

You cannot always prevent flooding in your home, but you can take back some control by calling in the experts and addressing the problem quickly. Call at the first sign of a problem. Avoid black mold, damaged floors and sagging walls with fast, thorough cleanup from qualified professionals.

How To Evaluate a Leaking Bathtub or Shower

11/18/2021 (Permalink)

a white plastic shower head attached to a rusty metal pipe is leaking, bathroom wall tiles are in the background If your home suffers water damage, call SERVPRO, we are always ready to help you!

How to Determine Whether Your Bathtub or Shower Is Leaking.

Your bathtub and shower are exposed daily to water. Regardless of your home’s age, plumbing components and fixtures can break or deteriorate, which may allow water to flow into unintended places. No home in Weymouth, MA, is immune from a potential shower or bathtub leak, so it’s important for every homeowner to recognize the signs of water leaks and act promptly to minimize damage.

Locating a Water Leak.

Water can leak for a significant period before it becomes noticeable. Common indications of a leaking bathtub or shower include the following:

  • Damp spots on walls.
  • Water dripping from overhead.
  • Stained ceilings.
  • Puddles around tub or shower.
  • Presence of a musty odor.

    Investigating Bathtub Issues.

    To diagnose the source of a bathtub leak, you may need to remove the tub’s side panel or access the crawl space under your home to check for cracked pipes, leaking joints or a broken waste trap. If you find a leak, replace any damaged components and tighten loose washers. To confirm the problem is resolved, plug the tub, fill it with water and then let the water drain.

    Diagnosing Shower Pan Leaks.

    Pre-fabricated shower pans may crack and leak, especially if they move due to improper installation or a warped subfloor. A shifting pan can also damage seals, rendering them ineffective.

    To confirm a shower pan leak, take the following steps:
  • Plug the shower drain with a stopper or duct tape.
  • Fill the pan with water.
  • Mark the water level.
  • Allow the water to sit for at least eight hours.

    If the shower is not properly plugged, some water may escape. To confirm a leak, you should check the subfloor below the shower for signs of water damage. A moving shower pan can cause significant problems, so it’s important to promptly correct the problem.

    Taking Immediate Action.

    If you suspect a water leak, find the water source and complete the necessary repairs. Ignoring a shower or bathtub leak is never a good idea because it can result in significant water damage that may require extensive cleanup and restoration efforts.

5 Ways to Prevent a House Fire

11/18/2021 (Permalink)

a house being cleaned after a fire If your home suffers from fire damage, you can count on our SERVPRO team to be there to help with all your fire damage cleanup and restoration needs.

5 Tips For Avoiding A House Fire.

Most people in Hingham, MA, know that fire preparation can go a long way to mitigating loss in an emergency. However, most emergency plans focus on what to do after a fire starts and not before. Here are five helpful tips you can use in your home to help prevent a home fire from starting in the first place.

1. Always Monitor Open Heat Sources.

This includes fireplaces, stoves, candles, grills, and cigarettes. Keep the area around these sources clear for at least three feet.

2. Turn Off Heat Sources When Done.

Basic fire safety practices include always turning off a heat source when not in use. For example, check to ensure your stove is all the way off or that grill ashes are properly snuffed. Always put cigarettes out in an ashtray and dose in water before disposal.

3. Don’t Use Broken Electronics.

Broken electronics or frayed power cords can start a fire as easily as an open flame. Good fire preparation practices include looking over your electronic equipment and repairing or replacing any damaged devices appropriately.

4. Ensure Your Fire Extinguishers Work.

It is recommended that a fire extinguisher is kept in the home. It is also important to ensure that the extinguisher is in working order, and that you know how to properly use it.

5. Make Sure Your Home Includes Working Smoke Detectors.

Experts recommend having a detector on every level of your home including inside and outside of bedrooms, and in the kitchen. Local fire ordinances may include specific recommendations they want you to follow. It’s also suggested that batteries be replaced twice a year, and that the detectors themselves be tested to ensure functionality.

Awareness and fire safety are some of the best ways you can protect your home. Actively taking steps to ensure any electronics are in good working condition, and not leaving stoves, candles or other heat sources unattended are great ways to help protect your home. In the event the worst should happen despite your best fire preparation steps, a fire damage professional can help with restoration and smoke odor removal.