Recent Posts

Why You Need the SERVPRO ERP

8/15/2016 (Permalink)

Storm Damage Why You Need the SERVPRO ERP Be ready for whatever happens with the ERP.

No matter where you live, it is important to be informed and prepared for any natural disaster that may occur. Natural disasters often strike without warning, leaving behind a trail of destruction and devastation. Though Mother Nature's disasters are often unpredictable, there are steps you can take to ensure you are prepared.

Contact SERVPRO of East Manatee County to establish an Emergency READY Profile (ERP) for your home and business property. SERVPRO's ERP serves as a quick reference document, detailing important building and contact information for your property in the event of an emergency. The ERP is an ideal supplement to any existing preparedness plan, or may be used as a standalone document. Knowing what to do and who to call in advance is the key to timely mitigation, and can minimize the effects of any weather-related disaster, water, or fire damage to your home or business.

When disaster strikes, make sure you have experienced professionals on the line. No matter how big or small, SERVPRO of East Manatee County will be ready to help make your property damage "Like it never even happened."

Storm Damage in Lakewood Ranch

8/8/2016 (Permalink)

Storm Damage Storm Damage in Lakewood Ranch Fallen trees can cause serious damage to your property. Call SERVPRO for a fast response, we can help protect your property from further damage.

Summer storms are upon us which means almost daily rain and lightning threats.  

A common occurrence during the storm season for the Lakewood Ranch community is trees falling on and damaging your property. Don’t wait until it happens. Be prepared for this type of storm emergency. Here are 5 steps to take for emergency tree removal:

  1. Trees that are old or diseased can easily succumb to flooding and windy storms. Go ahead and remove hazardous trees before a storm approaches.
  2. In the event a tree does fall on your property, first make sure everyone is okay. Leave your home if you feel unsafe inside the property.
  3.  Look to see if there are any wires or power lines hanging and if they are call the police and the power company.
  4.  Call your insurance company and if you can safely do so take pictures.
  5. Contact SERVPRO of East Manatee County, your local mitigations and emergency storm cleanup provider in Manatee County. We will place a tarp on the roof if needed. We  will also carry out any board up services required and cleanup any water inside the home. Boarding up parts of the home that have structural damage will help with your insurance claim and also deter any vandals while you are away from your home.

As a trusted leader in the restoration industry, SERVPRO of East Manatee County has highly trained technicians that are dedicated to responding faster to any size disaster. We provide 24-hour emergency service and have the training and expertise to handle your restoration and cleaning needs.

Water Damage Requires Professional Clean-Up Now to Prevent Problems Later

8/1/2016 (Permalink)

Water Damage Water Damage Requires Professional Clean-Up Now to Prevent Problems Later At SERVPRO, we are ready for any size water damage emergency.

Many people clean their homes prior to leaving for vacation. They also make sure that all the lights are off, and then also check that all windows and doors are locked securely. Many otherwise careful people fail to shut off the water line at the outside of their home during their pre-vacation preparations. Many times, nothing comes of this, but when it does, the water damage can be substantial. 

Water damage in Lakewood Ranch that results from a broken water line, no matter where the break or leak is located, can cause damage throughout your home. This damage may not only spread across the floor or down the inside of a wall space but from one floor to lower levels, increasing the amount of damage your home experiences. 

Vacationing is only temporary and so should any water damage, if you call for professional assistance upon returning from vacation, homeowners whose home has been water damaged while they've been away are in for a not-so-pleasant surprise. Shutting off the water should be the first thing done if it can be safely accomplished. Standing water can pose an electrical hazard if electrical outlets or wiring are immersed in the water. If you are not sure about your safety, you should have professionals complete the shut-down the electricity prior to shutting off the water. Everyone should remain clear of the water to be safe. 

After the flow of water has been stopped, call in SERVPRO to properly mitigate the water damage for you. Because water can infiltrate porous materials like drywall throughout your home, it is tough to remove completely. The structure water damaged area must have the standing water extracted first. If this is not done properly, warping and deterioration of walls and other structures in your home can quickly occur. Then the absorbed moisture and humidity in the interior environment must be mitigated to acceptable levels. If not, this can lead to not only dangerous structural problems but also the growth of mold and mildew. These can cause health effects in your family members over time. 

What We can do For You 
Our professionals are trained in not only the removal of water that can cause damage to your home's interior, but we have training in the IICRC approved drying techniques that are designed for maximum efficiency. After cleaning-up and extracted all of the water, we will begin the drying process and take note of any damage that needs to be restored or repaired. Cleaning-up will continue with removing any debris that is left over from repairs, as well.  

The professionals at SERVPRO of East Manatee County has 26 years of experience in responding to water damage emergencies from leaking pipes or plumbing backups. We can respond quickly to any size plumbing disaster and we can respond quickly. We are available 24/7 so call us at (941) 747-2333 not only fast service but also professional experience.

Lakewood Ranch Mold Remediation FAQs

5/24/2016 (Permalink)

Mold Remediation Lakewood Ranch Mold Remediation FAQs Mold can be a very serious problem. Please do not try and take care of it yourself. Call a pro - Call SERVPRO - "Like it never even happened."

How do I identify a mold problem?
Check the air and surfaces in the area. If you notice a musty smell, then you have a mold problem. Additionally, different types of mold discolor surfaces with black and/or green specks. Look for mold in bathrooms, windows, crawl spaces, air conditioners, ventilation systems, leaky roofs, attics and basements.

Why have I found mold in several areas?
All fungi, like mold, release spores that travel along air currents. Unless a mold-infested area is sealed off, the spores spread throughout a building. Outdoor mold spores can also cling to the surfaces of people, pets and objects.

Why does mold grow in air ducts?
Poor duct maintenance and moisture from humidity or plumbing, wall or roof leaks give mold spores the perfect dark habitat for growth. The experienced team at SERVPRO of East Manatee County use time-tested techniques to remove any mold growth and fix the source of the problem.

Can I use bleach to remove mold?
Liquid bleach is the wrong choice for several reasons: Bleach can't successfully penetrate all surfaces -- especially some porous materials -- and since it is wet it will help any missed mold regrow. Worse yet, bleach can hide a deeply rooted mold problem from a mold restoration and remediation firm like SERVPRO.

Do I need additional testing if I already know that I have mold in my home?
Testing determines the type of mold and the amount of cleaning that must be done to completely restore an area.

Can I use a DIY test kit?
Although DIY kits are inexpensive, they often provide false positive results. They also don't offer the data needed to determine the type of mold or the amount of spores in the air.

How can I remove mold growth and spores from my home?
The best way is to hire a licensed mold remediation firm. Only a qualified and licensed expert, such as SERVPRO, can evaluate the problem and perform the correct tasks to remove mold from the air and surfaces, clean the infested area and safeguard against future growth. Call in a PRO – Call SERVPRO!

Understanding Mold

Confusion and misunderstanding surround the topic of mold and mold remediation. Some restoration businesses even make claims to remove all mold from a building. This is a fallacy. Mold spores occur naturally almost everywhere, both indoors and outdoors. These microscopic spores float along in the air and can enter a home or business through windows and HVAC systems. Consider these facts:

  • Mold is present almost everywhere, indoors and outdoors.

  • Mold spores are microscopic and float along in the air and may enter your home through windows, doors, or AC/heating systems or even hitch a ride indoors on your clothing or a pet.

  • Mold spores thrive on moisture. Mold spores can quickly grow into colonies when exposed to water. These colonies may produce allergens and irritants.

  • Before mold remediation can begin, any sources of water or moisture must be addressed. Otherwise, the mold may return.

  • Mold often produces a strong, musty odor and can lead you to possible mold problem areas.

  • Even higher-than-normal indoor humidity can support mold growth. Keep indoor humidity below 45 percent.

Mold Problems in Lakewood Ranch - Call a PRO!

5/16/2016 (Permalink)

Mold Remediation Mold Problems in Lakewood Ranch - Call a PRO! If you have a mold problem, call a pro - call SERVPRO. We are here to help. 941-747-2333

Do you have a mold infestation spreading rapidly throughout your home? Are you concerned about your family experiencing the potential adverse health effects mold can cause? If so, you need to start the mold removal process immediately. While some gutsy DIY’ers will handle a small mold infestation, it is recommended that homeowners and property owners hire a professional mold remediation team for their Lakewood Ranch home.

Because the mold removal and restoration process takes significant time, resources, and equipment, the vast majority of homeowners simply do not have access to these necessary items. Removing mold from drywall, carpet, air ducts, furniture, insulation, and other areas requires special protective gear, cleaning supplies, dehumidifiers, and air scrubbing fans. Additionally, all mold-infested items must be disposed of properly to ensure it doesn’t spread.

Areas of the home that are not currently infested with mold can quickly become so if the HVAC system is not shut down and infested areas are not cordoned off with plastic sheeting. Mold spores travel through the air to find a suitable host, and with our hot and humid weather here in the Bradenton / Manatee County area, suitable hosts are not difficult to find. Bathrooms, kitchens, cabinets, closets, and other areas that tend to have high levels of moisture, are all prone to develop and harbor mold.

When tackling mold infestations, it is important to clean all affected areas, preferably in one day. This is a daunting but important task. The reason this is so important is because of the way mold spreads, and how quickly it spreads. Many individuals become frustrated when they spread mold cleanup across multiple weekends only to find to start to reappear in just a few days.

Our SERVPRO Team has received extensive, professional training and we use only the best tools and cleaning solutions available to fully rid your home of mold.

SERVPRO of East Manatee County does more than clean up mold infestations; we can help prevent them. Our team has the skills, expertise, and tools necessary to effectively restore your home to its pre-disaster shape after storm damage, fire and smoke damage, sewage backups, and other water damage has affected your home. Most mold infestations are caused by improper cleanup after water damage, that is, when best practices and cleanup protocols were not followed. Water extraction is just the first part of the process; cleaning, disinfecting, drying, and dehumidifying are all key to preventing future mold infestations.

Since mold can begin growing within 48 hours of water damage, it is imperative that you call us immediately. Time is of the essence. We are available 24 hours a day, and we pride ourselves on helping our friends, neighbors, and community members recover when disaster strikes their homes. Call us today for more information on how we can return your home to a healthy condition, and mold free.

In Lakewood Ranch, Disasters Do Not Happen Just From Large Storms

5/3/2016 (Permalink)

Storm Damage In Lakewood Ranch, Disasters Do Not Happen Just From Large Storms Disasters can strike anytime, anywhere. At SERVPRO of East Manatee County, we are ready for whatever happens.

Last week we participated in the Manatee County Disaster Preparedness Expo. There were three speakers talking about their experiences with hurricanes in Florida and around the Gulf Region.  One of the points the speakers mentioned over and over again is that we have not had a named storm hit Florida in 11 years. This doesn’t seem right, but it is true! I would encourage you not to be apathetic and treat each hurricane season seriously and listen to what your preferred meteorologist has to say.

The theme of the Expo was disaster recovery. Their data states that 40% of businesses do not recover from a disaster. This is a very high number and the majority cause is lack of insurance or business owners being underinsured. Hurricane or no hurricane this year, disasters are not just large storms. Here’s a list of potential “disasters” that can ruin a business or cause disruption to your operations:

Large thunderstorm with damaging winds and rain

Sewage backup

Plumbing leaks

Fire Sprinkler Activation


Fire and smoke damage

Do you know what to do if one the above should occur in your business? Does your insurance cover all of the above perils? Do you have a business interruption policy to cover your loss of income in the event of a disaster? I encourage you to sit down with your agent and ask these questions. A good policy should be designed to protect your financial interests.

At SERVPRO of East Manatee County, we are here to help in the event of a disaster. Our trained staff will respond quickly and professionally to your emergency needs. We will work with your insurance adjuster to restore your business and make it like it never even happened. We are available 24/7/365.

We Care about Carpet Cleaning for Lakewood Ranch

4/27/2016 (Permalink)

Cleaning We Care about Carpet Cleaning for Lakewood Ranch At SERVPRO of East Manatee County, we care about carpet care. Give us a call and we will help take care of your carpet cleaning needs. 941-747-2333

SERVPRO of East Manatee County has been in the carpet cleaning business for 26 years. We have learned over the years that carpet cleaning is the subject of much confusion. In fact, people have so many misconceptions about carpet cleaning that we offer this consumer education message so when you select a carpet cleaning company, you can make an informed, intelligent decision.

Misconception #1: You should wait as long as possible before cleaning your carpet.

NO! Dirt is an abrasive - like sandpaper. Every time you step on the carpet, you grind dirt into your carpet fibers. This cuts your carpet, just as if you had used a knife, causing it to wear out faster. A dirty carpet will not last nearly as long as a clean carpet. And while vacuuming helps, by itself  it is simply not enough. Then longer you wait to have your carpet cleaned, the more damage you do to your carpet and the faster it wears out.

 Misconception #2: The only reason to clean carpets is to get out the dirt.

NO! As you probably know, outdoor air contains pollens, fungus, bacteria, air pollution cigarette smoke, car exhaust -- and hundreds of other chemicals. When you and your family members come into your home, you carry those pollens, bacteria and chemicals in your hair on your skin, clothing and shoes. Not surprisingly, all those chemicals, pollens and bacteria wind up -- you guessed it -- in your carpet.

If you have allergies, asthma, emphysema, or other breathing problems -- one major source of your problem could be the pollens, fungus, and chemicals in your carpet.

If you're sensitive to cigarette smoke, you might find that you'll breathe easier after you hire a professional to get those harmful chemicals out of your carpet.

So in addition to getting rid of dirt, another important reason to clean your carpet is to get rid of pollens, fungus, bacteria, chemicals and the tars and residue from tobacco smoke.

Misconceptions #3: One method of carpet cleaning is as good as another.

NO! Unfortunately this is not true.  You can choose from two primary methods: Dry cleaning or hot water extraction. 


Many people believe that dry cleaning your carpet is like dry cleaning your clothing. This is not true. All carpet cleaning methods use water to clean.  Some methods use more water than others.   “Dry Cleaning” for carpets should really be called “Low Moisture Cleaning”.  Here are three methods of dry cleaning carpet.

Dry Foam

When a carpet cleaner uses dry foam, he applies shampoo to your carpet, allow it to dry, and then sucks the dried shampoo chunks into a vacuum. Can you imagine applying shampoo to your hair, allowing it to dry and then removing the shampoo from your head with a vacuum? This method can leave a residue in your carpet, which is one reason dry foam is not very effective, however a new spin on dry foam called ENCAPSULATION cleaning is quite effective.  It utilizes a crystallizing detergent to suspend and capture soil particles in an acrylic polymer which actually CAN be vacuumed out.  It is a cost effective maintenance method for commercial carpets.

Bonnet Cleaning

The Bonnet Cleaning method is similar to dry foam. The major difference is that when bonnet method is used, the company sets a large cotton bonnet on your carpet. Using a machine, the bonnet spins from side to side, absorbing the dirt that's in the carpet. After the bonnet is saturated with dirt, another cotton bonnet is applied. Bonnet cleaning is like trying to use a large towel to rub the dirt out of your carpet. It can,  however be effective on glue down or commercial carpets.

 Dry Compound

The dry-compound method spreads an absorbent mixture made of recycled corn stalks.  It looks like wet sawdust all over your carpeting. Then the machine brushes the mixture into the carpet, which in theory causes dirt to absorb into the mixture. Once the mixture has dried, a vacuum cleaner sucks the residue out of the carpeting. However, vacuuming does not remove all the residue, which accumulates over time between the carpet and pad.  Because the carpet is not rinsed in any way, this method is not very effective.


The second carpet cleaning method is called “hot water extraction”. This is a fancy way of saying that a hot water cleaning solution under high pressure is forced into the carpet and then sucked out of the carpet. This method is also referred to as steam cleaning even though steam is not used.

 Shaw Industries, the world's largest carpet manufacturer, recommends hot water extraction and you can choose from two different types: Portable extraction, which is done with a small machine. Or truck mount extraction which means the large cleaning machine is mounted in a truck or van. 

Misconception #4: Having the right equipment is all a company needs to clean your carpets properly.

NOT TRUE. Many companies own hot-water cleaners -- but a many company employees don't know how to use them. You probably know someone who bought the newest computer on the market -- but didn't learn how to use it for a year or more. The same is true with carpet cleaning machines. The company you are considering may own good equipment, but the employees may not know how to use it correctly. This is why it's important that you choose your carpet cleaner carefully.

The best carpet cleaning companies are those that have been certified by the Institute of Inspection, Cleaning and Restoration Certification, known as the IICRC.   A carpet cleaning company cannot buy this certification. The carpet cleaner must earn the certification through study, experience and the successful completion of formal, written examinations.

Cleaners who are certified by the IICRC have, in effect, earned a degree in carpet cleaning.  In addition to IICRC training all SERVPRO carpet techs are required to complete a proprietary SERVPRO course training in production and safety. 

The IICRC provides written credentials to the companies it certifies. So before you choose a carpet cleaner, ask to see written proof of the company's IICRC certification.  All certified technicians are required to carry an IICRC certification card with them. 

Misconception #5: The company that offers the lowest price is the company you should hire.

MAYBE -- but not always. Here are two important points to consider.

 Point #1:

The price you see offered may not be for the services you want performed. Before

you select a company, decide what you want to accomplish. If you want the carpet cleaner to remove only some of the dirt, you can choose from hundreds of companies that use small shampooers or other cleaning methods. Or, you can even rent a machine at the grocery store and do the job yourself.

On the other hand, if you want your carpet thoroughly cleaned -- if you want to remove the harmful dirt, bacteria, pollens, chemicals and tobacco residues -- then you need to hire a company that uses a hot water extraction unit mounted in a truck. This is the only way to assure that your carpet remains healthy and free from dirt, disease-causing bacteria, and hurtful chemicals.  If you want the best, most powerful cleaning available. SERVPRO has powerful portable extraction units that we use for high rises and other places our truck mounted machines cannot be used.  We offer the same quality assurance, however it just takes us more time. 

So remember that the price you see offered may not be for the services you want performed.  

Point #2:

The price you see advertised may not be the price you pay. Many homeowners have learned that the low price they saw advertised was not the amount they were charged.

And if you've ever hired a carpet cleaner, you too may have been the victim of false or misleading advertising. You probably learned the hard way that some carpet cleaners offer a cheap price -- usually between $3.95 and $9.95 per room -- and then pressure you into paying a lot more once they get inside your home. Some of them may even break the law by using unethical bait and switch tactics.

As in all businesses and professions, the carpet cleaning industry has its share of bad apples. I take no pleasure in telling you this, but some are unethical -- and, sadly, a few are dishonest. By their misleading advertising and false promises, they cast a dark shadow on our entire industry.

 Then you'll find other carpet cleaners -- professionals like us who work hard to earn your trust and respect.

As a way of improving our profession, we take a lot of time to educating the public in our industry’s best practices. The only way you can make an intelligent decision is to have all the facts you need. This is why we are engaged in writing this article and many others for your home or business.  

Misconception #6: Any honest carpet cleaning company should be able to give you an exact price quote over the telephone.

I wish this were true, but it isn't. Consumers often think that if they want to clean four rooms and the price is $6 per room, then the price will be $24. But most often if it seems too good to be true it is.   

First, honest, most reputable carpet cleaning companies usually price carpet cleaning by the square foot. So if you'd like us to tell you the exact cost of cleaning your carpet, we need to know the exact number of square feet that you want cleaned. You'll be glad to know that the carpet area to be cleaned is not nearly as great as most people think. For example, if you want your entire home cleaned and your home is 2000 square feet,

the amount of carpeting to be cleaned might be only 1200 square feet. This is because most home measurements are outdoor measurements. Plus we deduct the area taken up by walls, room dividers and the like. The result is that the actual area to be cleaned is usually only about 60% of the square footage of the home. 

So even though we can't always give you an exact quote over the telephone, here are things we consider when quoting a price. 

First, the type of carpet: Certain types of carpet are harder to clean than others. So before we can give you a quote, we need to know the type of carpet you want cleaned. 

Second, the amount of soiling: Carpet that hasn't been cleaned for ten years will take longer to clean than carpet that was cleaned within the last six months. 

Third, the amount of furniture that has to be moved: If we have to move your furniture, the bid must include that labor.

To recap, we consider the type of carpet, the amount of soiling, and the amount of furniture that has to be moved. So, as you can now imagine, every quotation is different. 

If you're thinking about having your carpets cleaned, I offer these four recommendations: 

Recommendation #1: Make a commitment to yourself to get your carpets cleaned. The longer they remain dirty, the sooner they'll wear out. Plus the longer you have to breathe all the pollens, fungus, chemicals and dust mites that live in your carpet.

 Recommendation #2: Consider your objectives. Do you want only the dirt removed, something you could do with a rented machine. Or do you want the bacteria, fungus and chemicals removed, which will require a hot water truck mount cleaner, like I use.

Do you want to work with an honest, reputable company -- or are you willing to risk working with the company that offers you the lowest price -- knowing that company might not be in business tomorrow.

Recommendation #3: Ask questions. The way you learn about a company is to ask specific questions and listen carefully to the answers. Here are the questions I suggest you ask: 

1. What method of carpet cleaning do you recommend?

2. What type of equipment do you use to clean carpet?

3. What does your equipment remove from my carpet?

4. How often should I get my carpets cleaned?

5. What training have you had in cleaning carpets?

6. Are you a member of any trade associations and, if so, which ones?

7. Are you certified by the IICRC and will you show me your certificate?

Recommendation #4: Once you're satisfied that you're working with an honest, competent professional, invite him into your home and ask for a specific quotation in writing. A written quotation gives you the assurance that you know exactly what your job will cost -- no surprises.

By following these four recommendations, you'll gain all the information you need to make an informed, intelligent decision. If you want a quick, cheap carpet cleaning job, many companies in the phone book can help you. Or you can rent a shampooer and do the job yourself. 

But if you want your carpeting to be completely and thoroughly cleaned, then I invite you to call SERVPRO of East Manatee County.  In addition to 24/7 emergency services like water damage, fire damage restoration, mold mediation, and bio hazard cleanup, we are your local experts in carpet and floor care.

Give us a call, we are here to help. 941-747-2333.

Do You Care About What You Do?

4/12/2016 (Permalink)

General Do You Care About What You Do? Water Damage in Lakewood Ranch? Fire Damage in Parrish? Mold problems in Bradenton? We are here to help. 941-747-2333

Are you passionate about what you are doing in your career? I had coffee this morning with a realtor friend and this topic came up, being passionate about what you do. I can say with confidence, YES! I AM Passionate about what I do – helping people when they are experiencing their worst moments.

I routinely deal with disasters both large and small. I can tell stories for hours about all the water leaks, fires, and other similar disasters in people’s lives. Some are funny and I can laugh after the fact, some are tragic and tug at my heart. I deal with fires that ruin businesses. I deal with fires where the business is recoverable. I am up at 2am for water leaks and sewer backups. I have seen hoarding at its worst and seen many positive life changes.

This is my passion – helping people. This is why I work for SERVPRO. I am always at the ready to help – no matter what happens and I love to work towards the goal “like it never even happened.” Everyone in my office shares this passion. We all care about our clients. We all work hard towards the same goal – to help.

Should you or someone you know ever need my help – I am here 24/7/365. Water Damage, Fire Damage, Mold, Bio Hazard. We serve Lakewood Ranch, Bradenton, Palmetto, Parrish, and Ellenton. 

Understanding Flood Claims and Water Damage Claims in Parrish, FL

4/6/2016 (Permalink)

Water Damage Understanding Flood Claims and Water Damage Claims in Parrish, FL There is a BIG difference between a water damage and flood damage - are you covered by your insurance policy?

After experiencing water damage, you may be left wondering what your options are. In most cases, you should make sure that you fix all water damage as quickly as possible. Once you have done this, you can then proceed to file for claims. Fixing your home immediately can prevent problems from getting worse due to mold or decomposition. However, afterward you will still need to deal with the consequences of the bills. For some homeowners, it may be possible for insurance to cover some of the losses. However, many homeowners insurance policies do not always come packaged with flood insurance. To provide assistance, this will take a look at the differences between flood insurance and water damage claims.

Water Damage Claims
After experiencing water damage, your first impulse was probably to call your insurance company. Hopefully, you haven’t done this yet. There is a big difference between water damage claims and flood insurance. Water damage can be caused by storms, accidents, or bursting pipes. These claims are only valid when water damage is associated with water that did not first touch the ground (such as lakes, ponds, & rivers). This means that water coming from a regular thunderstorm or tornado, plumbing, or appliance is usually covered under water damage claims. In contrast, a flooded lake or stream that inundates a person’s home is not covered.

Flood Insurance
It is important to keep in mind that flood insurance is a special form of insurance contract. It does not automatically come with a standard homeowners insurance policy. In almost all cases, individuals have to purchase flood insurance separately from homeowners insurance. Since many homeowners are not aware of this, homeowners are often outraged when they discover that their insurance contract does not cover flood damage. Flood insurance is generally available for just a few dollars each month. Without this insurance, homeowners can not expect to have any damage associated with flooding covered under their homeowners insurance policy.

Implications of Denied Coverage
If an insurance company declines your application to cover water damage, it could still have a big impact on your monthly insurance rates. Insurance companies can take advantage of information in your claims application to increase your monthly insurance bills. It is not uncommon to see insurance companies viewing homes that have experienced flood damage as high risk. As a result, they have the right to appropriately increase your monthly rates according to this information.

The reality that your insurance rates could increase after being denied coverage makes it even more important to understand the difference between flood damage and water damage claims. Many individual homeowners make the mistake of filing claims for costs associated with flood damage, only to find that these costs are not covered. When the bill comes the next month, there is nothing that homeowners can do to bring their rates back down. Therefore, it is important to only file a claim if flood damage is explicitly covered in the homeowners insurance contract. In some cases, it may even be recommended for homeowners to work with an attorney to ensure that it is appropriate to file a water damage claim.

If you have questions about your coverage, we strongly advise you to contact your insurance agent and review your policy. What incidents and perils are you covered for? What are your deductibles? At SERVPRO of East Manatee County we are here to help you in any we can. 

A Disaster is much more than a mess for Lakewood Ranch Home

4/5/2016 (Permalink)

Biohazard A Disaster is much more than a mess for Lakewood Ranch Home Sometimes a traumatic event triggers people to become "stuck" in life. Hoarding is a human condition that requires specialized care and clean up.

In Lakewood Ranch, SERVPRO is usually the first company on the scene for a property damage. When someone experiences damage to their home, there is an emotional part that comes into play and I can’t help but to be affected and even become emotionally involved as well – we care for each and every one of our clients. As a result, there are some jobs that stay with me for a long time.  I remember the people I served and think about them from to time, and hope that in whatever way I could, I made some kind of an impact on their lives.

The other day, I happened to think about a customer I met a few months ago. We received a call came from the community manager. One of the residents living there had died and the manager wanted us to come in and clean up the unit. The deceased’s husband was living in a nursing home and their daughter was flying in from Ohio.

We immediately went to the job and began work. The home was a disaster not only were we dealing with a biohazard after a death, the woman in the home became “stuck” in the stress of life and stopped taking care of the house and herself – we were also dealing with a hoarding type case.

When her daughter arrived, I could see the pain on her face and knew that she was completely overwhelmed by everything that she had to address. She had to tell her dad about her mother’s death, she had to make funeral arrangements, and she had to grieve. She assumed that she would have to pay for our services out of her mother’s estate. I explained to her that the job in part was most likely covered by her mother’s homeowner’s insurance but I could also see that calling the insurance agent was the last thing on her mind. I couldn’t minimize her emotional pain but I could step in and help a bit with handling the logistics of this clean up. And so I did. I told her to focus on taking care of her dad and making the arrangements for the funeral and I would handle everything concerning the clean up and insurance. I contacted the agent who filed the claim for damages and I went back to the unit later to meet with the adjuster.

Some would say I went the “extra mile” to help this customer but I disagree. This woman had just suffered the worst loss imaginable. I consider what I did to be a part of the human condition—to reach out and help a person in a time of need. I often think of this customer and hope that she is doing well; that she passed the nursing exams she was studying for when her mother died. Most of all I hope that, in some small way, I helped to ease her burden during a very difficult time.