Fall Increase in Property Claims
September 22 is the first official day of fall!
Did you know that each year, September 22 is officially the First Day of fall here in the U.S.?
Did you know that each year, September 22 is officially the First Day of fall here in the U.S.? Also known as the autumnal equinox, it is one of only two days when the sun is directly above the equator dividing night and day into exactly equal portions. The other day is the spring or vernal equinox. Did you know that the beginning of fall also means a noticeable increase in the number of homeowner’s insurance claims? Claims that tend to rise as the weather turns cooler include:
- THEFT - Home robberies increase by 25% as the leaves begin to change. You can protect your home by keeping lights on a timer or using a motion detector. Installing video cameras that are accessible by an app is a cost-effective way to monitor your property when you are away from home. You should also make sure to store valuables like jewelry in a safe or safety deposit box.
- FIRE DAMAGE - Fire and smoke damage claims also increase due to the use of grills and fireplaces. According to gov each year home fires cost 2,500 people their lives and cause over $7 billion in property damage.
- WATER DAMAGE – Freezing pipes and water damage account for nearly 20% of all property claims during the last quarter of the year. Be sure to insulate exposed pipes and shut off the main water supply before going out of town.
As we move into fall, take some time to inspect your home. Making small fixes now could save you a headache down the road. And remember, we are always here to help should you need us. At SERVPRO of Mobile County we are available 24/7 to make it “Like it never even happened.”
What to Do After Hurricane Sally Passes in Mobile County?
Downtown Mobile Water Mitigation after Hurricane Sally.
Hurricane Sally made landfall as a Category 2 storm in Baldwin County on September 16, 2020. Normally, Mobilians aren't phased by a simple storm, but Hurricane Sally has decided that she likes the area and is going to hang out for a bit. Excessive rainfall and incessant winds can lead to flooding and wind damage. Once the storm passes and residents are able to assess their homes and businesses, you may find that you have experienced damage. The next question is, what should you do if you have any storm damage?
Call SERVPRO of Mobile County at 343-0534
Upon arrival, we will assess your needs and walk you through the entire process, from mitigation to complete restoration. We are the local mitigation restoration company here in Mobile County, and part of the elite SERVPRO's Disaster Recovery Team.
One on One Service
How many times have you called a company and gotten a random customer service agent on the other end of the line? Each time you call you get routed to a different person and often left with more questions than answers. At SERVPRO of Mobile County, we understand how frustrating the customer service merry-go-round can be. As part of our commitment to customer service excellence, we promise you will never have to wonder who to ask for when you have questions or concerns during the job process. At the onset of each job, you will be assigned a Job File Coordinator to guide you throughout the entire process. They will be your one point of contact, always available to answer any questions or address any concerns you may have. Your JFC will act as an intermediary between you and the insurance company. They will coordinate directly with your insurance provider to ensure the job process runs smoothly. One on one service…just one more way we fulfill our promise to “Go the Extra Mile”.
National Preparedness Month
When disaster strikes, having a plan in place can help protect your family and your property.
National Preparedness Month
Each year, September is recognized as National Preparedness Month. This month is geared towards encouraging family and community disaster planning not just for the month, but throughout the entire year. The theme for 2020 National Preparedness Month is “Disasters Don’t Wait. Make Your Plan Today.” Each week, a different subtopic will be emphasized.
- Week 1: Make a Plan - Talk to your friends and family about how you will communicate before, during, and after a disaster.
- Week 2: Build a Kit – Gather supplies that will last you a few days after a disaster for everyone in your home.
- Week 3: Prepare for Disasters – Know the risks of disasters for your area and check your insurance coverage.
- Week 4: Teach Youth about Preparedness – Talk to your kids about preparing for emergencies and what to do if you are separated.
The goal of National Preparedness Month is to make sure everyone has the tools and resources they need to be prepared for a natural disaster. At SERVPRO of Mobile County, we pride ourselves on always being ready for emergencies and we want to make sure that you are prepared too. Having a plan in place can minimize damages associated with storms and keep you and your family safe. CLICK HERE to be taken to Ready.gov where you will find valuable resources and tools to help you create a preparedness plan. We can also help your business prepare for disasters with our FREE Emergency Ready Profile. Call us at 251-343-0534.
Are You Covered?
When it comes to your homeowner’s insurance policy sometimes it is hard to know exactly what to look for when checking your coverage. Many times, the average consumer doesn’t consider all the variables and the multitude of “what if’s” that could occur and cause damage to their home. SERVPRO of Mobile County wants to help you make sure you are covered BEFORE disaster strikes. One of the most common areas of gaps in coverage can occur in water loss situations. An overwhelming majority of policies do not provide coverage for flood damage that is incurred from “rising water”. This term is how most insurance companies will differentiate whether water damage is covered under the policy. Rising water would be determined to be flood damage and most often only covered if you bought an additional flood policy. Other water damage that would be covered would be water that filled the home as the result of a collapsed roof, broken windows etc. If you aren’t sure of what your homeowner’s policy covers, we strongly encourage you to contact your agent today and ask questions.
Choosing a Storm Restoration Company
When storm damage strikes, call the Storm Damage Experts at SERVPRO of Mobile County.
Like Mother Nature herself, natural disasters are unpredictable and unavoidable. When disaster does strike it can be stressful and overwhelming. As the storm clears and the cleanup begins there is much to be done. The first thing you must decide as a homeowner is what restoration company you will use. At SERVPRO of Mobile County, we have responded to a multitude of storm situations and we want to help you be prepared should you ever face such a decision. From flooding to fire, you should first make sure that the company you choose has the skillset to handle any situation.
- First and foremost, they should be able to coordinate with insurance companies and know how to work directly with them.
- Next, make sure the company you choose has experience in dealing with storm situations. SERVPRO has a national network of franchises that has undergone additional training and certification to become part of the Storm Response Team.
- Make sure they offer a range of services from water and fire to reconstruction and mold remediation. It is much easier to deal with one contractor that can handle it all.
- Finally, make sure they are IICRC Certified Firm and that they adhere to all OSHA and EPA guidelines in regards to mitigation/remediation work.
SERVPRO of Mobile County is a dedicated member of the Storm Response Team and we know how to handle it all! If you ever experience a catastrophic situation, give us a call at 251-343-0534.
Storm Prediction Models
When it comes to predicting storms during Hurricane Season, technology has definitely come a long way in giving us advance notice to prepare. In years past, those in areas that could be affected would patiently wait for the news to release the latest updates and carefully plot the course on paper “hurricane tracking maps”. Thanks to modern technology, we can now get updates every few hours and simply look at the maps and projected path on our smartphones. We now have much more advanced notice of when and where a storm may strike, although nature is never 100% predictable. There are several models when it comes to predicting the projected path of a storm. Have you ever wondered which model is the most reliable or exactly what factors affect their predictions? The truth is the accuracy of one specific model has not been proven and typically a number of models are used to outline the projected path. This is where the term “cone of uncertainty” has come into play. Using several model forecasts, those most closely aligned are used to outline a “cone” or path that is most likely. Despite all the advances in hurricane and storm prediction, Mother Nature can still be unpredictable. Your best bet is to prepare for the worst and hope for the best. Having an emergency plan in place is the best defense against the unexpected. At SERVPRO of Mobile County, we have years of experience in handling the aftermath of all types of storm situations. We are always Here to Help® should you need us! For more information on storm prediction models CLICK HERE to be taken to the NOAA Hurricane Center.
Roof Tarping in Mobile, AL
If you experience any type of storm damage, we have you covered!
During a severe storm, high wind, falling trees or hail may often affect the integrity of your roof system. In addition to structural concerns, shingles are often displaced which can lead to secondary damage if not remedied quickly. Following the storm, you want to be sure to assess your roof and contact a professional right away to prevent secondary damage to the interior of your home. If you are filing an insurance claim it may take some time to get your adjuster on-site, especially in a catastrophic storm situation. In the meantime, you will want to make sure that your home is protected from the elements. SERVPRO of Mobile County offers emergency roof tarping installation as part of our line of services. Our professional, licensed Construction Services division have the training and the experience to safely and securely handling your tarping needs. After disaster strikes, you shouldn’t have to worry about additional damage while waiting for inspection and repairs. Call SERVPRO of Mobile County…we are always Here to Help® with your emergency tarping needs, any time of the day or night!
When disaster strikes, the last thing you want to be concerned about is budgetary restraints. When water damage or fire damage happens, it can be one of the most stressful situations you may ever face. You want cleanup to begin as quickly as possible, but you also need to know how bad the damage is and what the restoration plan entails. We understand that you need answers without having to worry about finances and we are Here to Help.® We pride ourselves on having the fastest response times in the industry. With our speedy response guarantee, we will have a first responder on site within one hour of your initial call to evaluate the damage and develop a customized plan to meet your unique set of needs. This initial evaluation and estimate is a FREE service we provide to you. Once the job begins, we will also coordinate directly with your insurance company regarding job costs and payment. At SERVPRO of Mobile County, our goal is to make the recovery process as easy as possible for all of our clients. If you experience a fire or water damage emergency, give us a call at 251-343-0534 to schedule your FREE ESTIMATE.
Emergency Response Planning for Commercial Clients in Mobile, AL
Let us help prepare your business with a customized Emergency Ready Profile.
Did you know that nearly 50% of businesses never reopen after a business interruption? As part of our menu of comprehensive commercial services, SERVPRO of Mobile County offers a free emergency planning utility known as the SERVPRO Emergency READY Program® (ERP). This exclusive service offers numerous benefits for our commercial clients in the event of an unforeseen disaster. The ERP can dramatically reduce downtime and costs associated with a water or fire loss. How does it work? Sales representatives provide free consultations to our clients and compile pertinent information into an easily accessible app for Apple and Android devices. The app includes detailed information on shutoffs, photos, relevant contacts and even insurance information. At SERVPRO of Mobile County, we are ready for whatever happens and we developed our Emergency Ready Plan (ERP) to help make sure you are ready as well! If you would like to prepare your business before disaster strikes, call SERVPRO of Mobile County at 251-343-0534 and ask to speak to your local sales representative.