Office Flooded in Downtown Los Gatos, Ca
An office in Los Gatos, CA flooded a downstair's store over the weekend. The store manager got to the store to see water coming down from the ceiling like rain. The store manager called SERVPRO of SW San Jose to come help them take care of the water. SERVPRO was there to help and dry the upstairs and downstairs units. SERVPRO of SW San Jose also helped the upstairs tenants to move to a different store until SERVPRO fixed the unit. SERVPRO of SW San Jose was called out on a Sunday to help the store owner, to set equipment and help clean up the mess. SERVPRO was there to help and take care of all the damage that happened to the building. The owner was thrilled that we came in and helped in anyway they needed help.
Does Homeowners Insurance Cover Broken Pipes?
Many people wonder whether water damage is covered under their homeowners insurance. The answer to that question all depends on the type of water damage. "Gradual damage" due to water happens over a long period of time. This could be because of a leaky pipe or other causes, such as a crack in a foundation. This type of damage is common cause for insurance claims.
If you're not sure whether your insurance will cover water damage caused by a leaky pipe, it's important to review the exact wording of your homeowners policy with your insurance advisor, agent, or broker. You will have to review the exclusions of your policy as well as the type of coverage you have.
All insurance policies exclude wear and tear, and gradual damage. However, there may be some "exceptions." For example, "resulting" damage may occur as a result of a broken pipe, water tank, or washing machine.
Understanding Homeowners Insurance
First-time homeowners are faced with many realities of being “an adult,” and one of the things that comes with owning a new home is making sure you have proper insurance. But not all insurances are the same.
Just because you have insurance on your home doesn’t mean you’re protected from everything that could happen. In fact, often with homeowner policies, there are some very common occurrences that might not be covered.
Homeowners insurance differs from state to state, so to avoid making costly assumptions, it’s important to understand what’s included with your policy.
Typically, a policy will cover the actual dwelling and some of the other structures on the property, such as a fence, garage, patio or driveway. Personal property is usually covered as well. This includes the contents inside the home, although you may need to pay a bit more in premiums for high-value items like jewelry or paintings. You’ll want to make sure this is covered in your policy.
Homeowners insurance policies typically include coverage for injuries sustained on your property where you are liable. So, if someone slips on your driveway or falls while doing repairs to the roof, you’re covered. However, this coverage is usually limited to a certain dollar value, so you need to know how much coverage you have and exactly what’s included.
Natural disasters are the one area that can cause some problems, as not everything is covered and you often have to buy separate flood, hurricane or earthquake insurance—especially if you are in an area that is highly susceptible to these disasters. You also may be able to lower premiums by better protecting yourself against damage, such as adding storm shutters, reinforcing your roof or buying stronger roofing materials.
If items are stolen from your vehicle while it sits on your property, that may or may not be covered by your insurance. Normally, this is covered by auto insurance but there are some homeowner policies that will include these items, so it’s good to know if yours will.
Many first-time buyers think they need insurance to cover the entire cost of the house, but the land under your house isn’t at risk from theft, windstorm, fire or other perils covered in your homeowners policy, so it’s not necessary to include these when deciding how much insurance you should buy. Talk with your REALTOR® and determine the best number so you have enough coverage but not too much, and that you’re not paying premiums for what you don’t need.
Damaged floor in San Jose, Ca
We received a call last week from a customer who was noticing some discoloration in his wall. He wasn't sure if it was water damage and requested an inspection. He wanted SERVPRO to come out before they got mold.
Primarily we use non-intrusive moisture meters to detect water damage. The advantage of this type of moisture meter is that it does not physically damage the materials that it is testing. This is compared to some moisture meters that use metal probes that pierce the object being tested.
Our inspection revealed that not only was his wall cavity affected, but a fair sized amount of flooring. Look in the photo how we found another layer of tile below the floating floor. Customers are often surprised to find one, two, or sometimes even three old floors under a laminate floor.
SERVPRO SW San Jose helping
This is Why SERVPRO
This week a customer telephoned us to report that her kitchen hardwood has been gradually discoloring over several months, in particular over a high traffic area. They were at a loss as to what was causing the discoloration. They contacted their insurance agent and he suggested to call us for a no-obligation inspection.
We sent out a technician who performed a moisture mapping of their floor. He determined not only was there water present under the floor, but also under the carpeting of the family room that is located adjacent to the kitchen.
Our tech carefully peeled back the carpeting to discover a crack in the customer's concrete foundation where water was emanating from.
No customer ever wants to hear the news there is a crack in their foundation - but boy was she relieved to finally know the cause!
CE Course from SERVPRO
SERVPRO that is why!
Property Managers & Real Estate Agents: Ever run into a mold problem at one of your properties? Do you want to learn more about how to prevent a mold problem and how to handle one if it already exists?
Understanding Mold in the Restoration Industry is a 3-hour CE course taught by SERVPRO and designed for Real Estate Professionals. The purpose of this course is to educate Real Estate professionals on the real effects of mold growth in residential & commercial structures. Mold growth requirements will be reviewed so the real estate professional can recognize potential mold dangers in real property.
SERVPRO gives CE classes about restoration every year. SERVPRO of SW San Jose can help Real Estate and Property Managers with mold or water damage.
SERVPRO that is Why!!
SERVPRO of SW San Jose welcomes opportunities to educate our community about fire, water, and mold damage restoration topics. Recently our marketing manager spoke to real estate agent members of the Independent Broker's meeting at the Santa Clara County Association of Realtors (SCCAOR). SERVPRO also gives classes to property managers. SERVPRO gives real estate agent and property manages the tools to help them and educate them to know more about water, fire and mold damage. SERVPRO of SW San Jose takes care and helps out a lot of property managers in the area with water damage as well as mold and fire damage. Selling a house is a hard thing but when the real estate agent needs help taking care of a mold damage we are here to help them out.
SERVPRO will clean up anything!!
One of our property management clients called SERVPRO of SW San Jose because he was evicting a problem tenant who caused his apartment to become overwhelmed with roaches. The pest control company had already treated the unit on a few occasions, but now they have a serious bio-hazard cleanup on their hands.
He told us he contacted a few janitorial companies for quotes but they would not even attempt to bid the project because of the potential health hazards.
SERVPRO of SW San Jose crews have the expertise and materials to handle just about any bio-hazard cleanup project. Should you run into such a situation, give SERVPRO of SW San Jose a call for your free estimate today. We will take care of the job from beginning to end. SERVPRO of SW San Jose will take care of the dirty work for you. Just call us and we will help out, and leave it "Like it never even happened."
SERVPRO helps with mold
Working to help a customer in Los Gatos deal with a leaking wax ring from a toilet. They saw a gradual widening of discoloration in a ring pattern in the vinyl in their upstairs bathroom - then one day this nasty spot appeared on their hallway ceiling below! Luckily for them the amount of sewage was small and we were able to catch it in the initial stages. We performed their water damage cleanup and sanitized the affected areas.
Customers often ask us if there is anything they can do to help prevent this type of damage. The best advice in this instance would have been to investigate the vinyl discoloration in the upstairs bathroom at the very beginning. Frequent inspections are often a good way to prevent leaks.
NCAA March Madness 2019 is here!
It's that time of year again, time for March Madness!
Grand Prize: 2 tickets to your choice of the Sharks, 49ers, Raiders, Giants, A’s, Warriors, or Earthquakes
2nd Prize: $75 Gift Card to your choice of The Cheesecake Factory
3rd Prize: $25 Starbucks or Peet’s Coffee Gift Card
Consolation Prize: 4th place and up receive $5 Starbucks or Peet’s Card
Eligibility: Must be a SERVPRO of SW San Jose Partner (owner, agent, agent staff, property mgr, realtor, broker, or employee).
How to Enter: Visit: http://SERVPROswsj.mayhem.cbssports.com. If you wish, you may have the computer choose your bracket for you – no basketball knowledge or experience required! J
ENTRIES MUST BE COMPLETED BY THE TOURNAMENT 9AM PST 3/1/16. THERE IS NO COST OR OBLIGATION TO ENTER. One entry per person. Contest rules are listed on the website.
Good luck from your Fire, Water, and Mold Cleanup & Restoration Experts…… SERVPRO OF SOUTHWEST SAN JOSE!!