Purchasing Insurance Needs to be an Educated Decision
There Are Many Things To Consider When Purchasing Insurance For Your Home
When purchasing homeowners insurance, there are many factors to consider, especially what would happen in the case that you experience storm damage. If you live in an area that is prone to severe storms, it is even more important to understand the kind of insurance policy you have, the limitations of it, what it covers and the kinds of storms for which you might not be covered.
Overview of Storm Damage Insurance
A lot of homeowners have experienced a bad hailstorm already or seen the storm damage which hail can cause to automobiles, homes, businesses and other property. When hail hits, it does the most damage to the outside of your property or home. Types of damage that are commonly caused by hail include siding damage, roof damage, window damage, shingle damage and automobile damage.
Most homeowner standard policies, known as HO-3 policies, will cover your home and its contents. Usually you are covered against theft, storm damage, some major disasters like hurricanes, tornadoes and hail, plus pet damage.
Floods and earthquakes are not usually covered under a majority of stand insurance policies and need a separate policy. Home insurance policies, remember, don’t cover normal wear and tear or poor maintenance, so you should ensure that your home is properly maintained at all times.
Shopping for Homeowners Insurance
When you are in the market for a homeowner’s policy, it is a good idea to look at several different companies first. Different companies for insurance will offer a significant range of coverage levels, prices, and discounts. Don’t just shop the ones you know best, but look for the policy which works for your situation the best. If you find a policy which looks good but is offered by a company you don’t know, it is helpful to look into their background. There are three websites you can check for the financial strength of an insurance company: Fitch Ratings, Ambest and Moody’s Investor Services.
When choosing a policy, begin by researching the area you live in. you will want to have a firm knowledge of the history of storm damage in your neighborhood related to:
- Wind storms
- Natural disasters
Ensure that the insurance policy you select will cover adequately the natural disasters and storms in your area. Look out for insurance companies that are known for denying claims unfairly. Each year, the American Justice Association publishes a list of the ten worst companies. If your insurance company is found on this list and your claim for insurance has been denied, ensure you connect with a contract that is reputable, such as SERVPRO, who has the experience to be able to fight for what you deserve.
Insurance for storm damage in Southside Chicago deserves to be researched thoroughly before you decide on which insurance company to go with. If you do experience storm damage of any kind, make sure and contact our professional technicians at SERVPRO of Evergreen Park/South Chicago by dialing (773) 337-3900 right away so we can assess your damages and make sure that you get the compensation you deserve.
Top Guns of Team Zubricki Honored as White Coats
Congratulations to the team members awarded the White Coats
Over the past few years, our collective group of franchises making up Team Zubricki around the Greater Chicago area has been dispatched across the country to natural disasters and massive storm events to help wherever needed. These responses often come at a great personal sacrifice for our employees, leaving their families behind for weeks or even months until our work is done. In recent years, our Team Zubricki responders have helped at facilities and venues in:
During a recent Large Loss training event for Zubricki franchises, specific employees were acknowledged for their efforts, going above and beyond for the customer and the team. These individuals were gifted white coats to symbolize how they stand out in their respective service fields and showcase the values and customer commitment we encourage in our disaster response. The inaugural class of White Coats this year featured:
- Nick Laughlin
- Randall Roach
- Senior Project Manager Patrick Houlihan
- Restoration Project Manager Eduardo Gomez
- Owner Anthony Zubricki
Tony Dantonio, Vice President of National Accounts at Team Zubricki, shares his thoughts on the team members awarded the White Coats: "The team members that were recognized with the White Coats have gone above and beyond to help make Team Zubricki successful. The White Coats are intended to stand out just as these folks have done. They are true team players, and were caught in the act of doing things right."
Those awarded this special acknowledgment earned their place through their commitment to the team, those in need after disasters, and providing the best possible restoration outcomes. Through devastating winter weather leaving thousands without power to the destruction following the path of a hurricane making landfall, White Coats of Team Zubricki shined with:
- Selfless devotion to helping others at the expense of holidays, personal time, and family events.
- Long hours on the weekends and evenings to ensure projects stay on track to get businesses back up and running.
- Commitment to providing exceptional customer service during traumatic events.
- Representing SERVPRO and Team Zubricki exceptionally while collaborating with other restoration teams, organizations, and relief efforts.
Patricia Zubricki hopes to let this become an annual tradition where the exceptional large loss response employees of the previous year are acknowledged and celebrated for their devotion and professionalism.
How Chicago Residents Can Restore their Homes after Water Damage
Our entire team stands ready to provide professional cleanup and water damage restoration services day or night in Chicago.
SERVPRO Assists with Water Cleanup in the Chicago Area
Most water intrusion events occur due to appliance malfunction or problems with your home's internal drainage. Although, severe weather conditions cannot be ruled out as a potential threat to structure and contents. Reducing the impact of water intrusion relies on drying the property as quickly as possible before cleaning and restoring the existing damage.
In Chicago, restoring water damage is a highly specific task best handled by professional restoration technicians. SERVPRO technicians use a range of strategically placed equipment in affected areas to maximize drying efficiency during the drying phase. A technician may use pumping equipment or water extractors for liquid water, which are far more effective than fans, natural air circulation, and air-moving devices. Dehumidification is also an essential tool to dry a wet home. Unlike other equipment designed to shift or evaporate liquid water, dehumidifiers focus on removing water vapor from the house. Without dehumidifiers, evaporated moisture in the air can re-condense onto surfaces and promote unwanted secondary water damages like mold growth. Dehumidifiers come in two categories: a refrigerant, which removes moisture through cooling air to the dew point, and a desiccant, which uses a Silica gel to chemically separate water molecules from the air.
How Drying Equipment Fulfills Restoration Objectives
- Water extractors and pumps transport liquid water out of the property
- Air movers and fans evaporate moisture from wet surfaces
- Dehumidification removes evaporated moisture from the air to prevent recondensation
Restoring a property to its pre-incident condition includes the home structure and your belongings. The Environmental Protection Agency (EPA) also states that returning a property to a habitable condition includes fixing essential parts of the home, such as electric or water supply. SERVPRO has several methods for restoration after water intrusion. Your home restoration includes dry cleaning wet clothing or fabrics and sanitizing surfaces to protect them from potential microbes like bacteria, mold, and viruses. In some cases, repainting walls, replacing carpets, and cleaning upholstery is necessary to restore the home to its preloss condition. Our goal is to make your water damaged home appear “Like it never even happened.”
How We Restore Home and Contents After Water Intrusion
- Packing out specific clothing, textiles, or belongings for special cleaning services such as Esporta washing
- Either drying or replacing floor materials, including wood, carpet, and concrete
- Spot cleaning to remove watermarks and stains from upholstery
Water damage is an urgent issue for homeowners. If water remains in the home, it can quickly stagnate or cause secondary damages. Using a tried and tested formula for drying, cleaning, and restoring your home is the surest way to prevent unnecessary losses. Our team holds qualifications from the Institute of Inspection, Cleaning and Restoration Certifications (IICRC), a nationally accredited and recognized institution. By combining training with equipment and commonly accepted protocols and recommendations, we can ensure your home does not become permanently damaged by faulty appliances or water leaks.
Homeowners can also benefit from our specialty cleaning services for sentimental or high-value belongings. Typical belongings reserved for specialty cleaning are essential documents, sculptures, paintings, and other artwork. Some of our practices for restoring these items include rapid freeze-drying that can help to prevent further damages occurring to belongings that are wet or otherwise have significant exposure to water. There is the option to have an art curator and specialist restore water damaged high-value artifacts.
Homes in Chicago can recover quickly from water intrusion with the right services and equipment. Contact SERVPRO of Evergreen Park / South Chicago City for quoting water damage cleanup and restoration at (773) 337-3900.
Recovery from Fire Damage for Chicago Residents
Our technicians use a combination of devices and machines to pluck smoke and soot particles from your home in Chicago.
SERVPRO in Chicago Has Fire and Smoke Restoration Technicians for Any-Size-Disaster
Fires affect millions of homeowners each year. Common causes are unattended stoves or malfunctioning electronics. Damage can include smoke staining, odor problems, and charring. Our role is to make sure your home returns to a preloss condition while minimizing inconvenience to your everyday life.
When fire damage affects your Chicago home, it is vital to enlist a qualified restoration service for assessment. Fire and smoke restoration technicians (FSRT) can use their training to reduce the turnaround time of restoration. One method is by understanding how smoke moves through a property which allows us to find and assess the most likely areas where soiling conglomerates. Convection, for example, is a rule of thermodynamics. It dictates that hot air rises above cool air. When this process occurs, it generates air movement as hot air replaces cold air. In an enclosed environment, this air displacement creates pressure that drives hot smoke into the upper portions of the room. Typically, the areas with the most damage in any fire scenario are the ceilings directly above the flames. The driven smoke can push into cooler surfaces, increasing the number of smoke deposits in your home. In some situations, it can even bond soot particles to surface material.
The Impact of Surface Temperature on Fire Damage
- High-temperature smoke attracts to cold surfaces.
- High concentrations of smoke residue are typically found on cooler external walls, windows, and inside furniture or cupboards.
- A professional must assess heavy soiling on interior surfaces before introducing water or other cleaning methods.
Carrying out a time-efficient initial assessment can be very helpful in reducing the stress of homeowners facing a fire damaging disaster. Our one-four-eight policy ensures that we arrange a service with you within one hour of notification of loss. We can send expert technicians to your property within four hours and produce a working estimate for you and your insurance adjuster within eight hours. Returning burnt homes to a preloss condition is most efficient following a thorough pre-test of different smoke residues and their response to cleaning efforts. We can then make informed choices about the necessary equipment, methodology, and time frames for restoring your home. SERVPRO always prioritizes essential areas, such as kitchens and bathrooms, to ensure you can get back to a semblance of normality as quickly as possible.
Cleaning Products Versus Cleaning Equipment
- Mechanical equipment can include pressure washers for building exteriors and rotary machines to dislodge dry soots from furniture or upholstery.
- Household water-based cleaning products like detergents are less effective against some types of soot; that is why we provide specially formulated industrial-strength cleaners and solvents.
- Dry cleaning solvents use chemicals to break down wet or stubborn soot but inadvertently damage some materials. We pre-test to ensure there is no exacerbation of the fire damage.
Pre-testing residues, materials, and equipment is essential to our approach to fire restoration. As a homeowner, you may naturally feel obliged to begin clearing away debris or cleaning walls and ceilings. Some useful techniques for homeowners can be to ventilate the property by opening windows, allowing lingering particulates, ash, and odor to disperse. Another helpful approach can be to vacuum surfaces which helps to remove any non-bonded dry smoke. One aspect to avoid when attempting to assist in smoke removal is introducing water or cleaning products. If the smoke is greasy or wet, introducing moisture can cause further damage by spreading or setting soot. We also recommend staying clear of heavily smoke-damaged areas as foot traffic can drive soot into flooring- especially in carpeted properties.
We are here to help with your property emergency. Contact SERVPRO of Evergreen Park / South Chicago City for fire damage restoration at (773) 337-3900.
Remediating Mold Damage from Homes in the Chicago Area
Mold can appear in plain sight, or you can smell the musty presence of mold behind cabinets and walls. In either case, contact SERVPRO to investigate
SERVPRO Provides Expert Mold Advice and Remediation for Local Residents
Mold is a microorganism. It exists in almost all environments but often in the benign form of a mold spore. Only when these spores grow and reproduce can they become a problem for homeowners. Like most living things, spores require specific growing conditions, including a food supply, adequate temperature, and water. While spores are impossible to remove from an environment entirely, remediation can help to reduce the impact of mold and return your home to a normal condition.
We offer expert mold damage remediation to Chicago residents all year round. Lab-testing microbial growth can often be a time-consuming and inconclusive venture. The noticeable symptoms of a microbial infestation, such as a distinct musty odor, are usually enough to justify professional remediation. Remediation is a staged process that begins with an inspection of damaged areas. The inspection phase can often require temporarily lifting floors or using borescopes to analyze wall and ceiling cavities to observe how far the mold has spread. Since mold requires a source of moisture to grow, an infestation often stems from a pre-existing moisture problem. Some moisture problems are consistent such as a leaking pipe. Other moisture problems can arise from insufficient insulation, causing condensation or roofing gaps that allow rainwater. Mold can also grow from a one-time issue like a spillage that goes unnoticed for several days.
Different Types of Moisture Problems and How They Connect to Mold Remediation
- If surfaces are still wet, the moisture problem stems from a consistent flow of water. It is vital to fix the leak before beginning the remediation process.
- If moldy surfaces are dry, it may have been a one-time issue. A chemical cleaning solution can be very effective in these circumstances.
- A mold that appears during certain times of the year can often indicate insufficient insulation. A vapor barrier can often correct these issues and prevent recurring growth.
The first goal of a mold remediation technician is to correct the source of the issue. Dealing with the moisture problem first ensures that the fungi do not grow back during or after the remediation service. Once the source of the problem is isolated and corrected, we can begin to work on the existing damage. Remediation techniques often disturb moldy areas, releasing spores into the environment. Correctly preparing the room or property by sealing off certain areas, establishing clean rooms, and decontaminating areas are essential to stop spores from spreading. Generally speaking, the removal of microbial growth is achievable through anti-microbial chemicals, physical agitation, or by disposing of the infested material altogether. Whether materials need to be disposed of depends on the porosity of the material and the cost of replacement. Porous materials are generally more susceptible to infestation than their denser counterparts.
Equipment for Aggressive Agitation and Cleaning of Microbials
- Metal scrapers and steel wool can help scrape mold from dense surfaces.
- Like Hardwoods or lumber, Dense organic matter can often be sanded down and refinished to remove exterior mold.
- Blasting equipment- sand, soda, or ice- helps eliminate molds without causing excessive damage to the surface beneath. Soda blasting can be ideal for valuable materials with exterior mold.
Tackling mold can be tricky without expertise. Contact SERVPRO of Evergreen Park / South Chicago City for mold remediation at (773) 337-3900.
How Our Water Damage Experts Reduce The Chance Of Secondary Problems In Your Chicago Property
If something ever leaks inside your Chicago brewery, the moisture that gets inside can create several different issues.
Commercial Water Damage Technicians in Chicago Talk About Secondary Problems
If something ever leaks inside your Chicago brewery, the moisture inside can create several issues. When a pipe breaks or a piece of machinery malfunctions, commercial water damage can occur very quickly. When water comes into direct contact with your business' building materials or contents, the problems created are considered primary issues. When water enters a structure, the humidity levels increase, generating other issues. Any commercial water damage caused by a vapor in the air is considered secondary.
The key to reducing secondary problems such as ruined drywall that did not initially get wet or mold contamination is to have issues mitigated immediately by a professional company like SERVPRO. Whenever we work on a commercial water damage project in Chicago, we try hard to remove moisture quickly so that no secondary issues arise. We use dehumidifiers that lower indoor humidity levels when rapidly drying out a structure. Building materials in initially unaffected places do not get wet due to vapor. We also take measures to dry out any organic substances within 48 hours so that microbial growth cannot occur.
Our SERVPRO technicians are IICRC certified and have experience working with a variety of types of companies. We know that any time a disaster occurs, it can be detrimental to your business's day-to-day operations. We also know that the restaurant and brewery industry is about cleanliness and keeping a sanitary working environment. Our technicians realize that time and efficiency are essential when completing a project at your place of business. We sometimes change how we conduct work procedures to save time and money and make sure we do not create sanitary issues inside your brewery.
If secondary issues happen to occur as a result of the pipe break or appliance malfunction, we also have experience in mitigating those types of problems. Once secondary damage does occur, we take measures to minimize it and prevent the issues from getting worse. If you ever experience building materials getting affected by excessive moisture, call SERVPRO of Evergreen Park / South Chicago City at (773) 337-3900 as soon as you notice a problem.
Fire Damage Cleaning and Restoration Tips to Help Protect Your Chicago Area Home
Overloading electrical outlets can often lead to electrical fires in your home.
Contacting SERVPRO Can Help Protect Your Home from Fire Damage
You can avoid fire damage in your Chicago area home by following a few fire prevention tips that most professionals highly recommend. Practicing proper fire safety etiquette and having a pre-existing relationship with your local restoration company can drastically reduce your losses and recovery time.
Your actions and the choices you make directly impact how susceptive your Chicago area home is to fire damage. Learning what to do or not to do during certain situations helps keep your family safe and prevents severe damage to the property that you call home.
SERVPRO technicians can help provide you with the answers you need to protect you and your family during emergency situations that might occur. You may even find us hosting fire safety events to help inform residents and property owners alike about the risks fire poses to your community.
Consider implementing some significant yet straightforward preventive measures that help prevent fires in your home. Never leave stoves unattended, and always keep your countertops free of flammable cooking products, objects, or supplies. Remain as safe as possible, maintaining a clean, sanitary, and disaster-free cooking environment in your home.
Like those offered at SERVPRO, ask a qualified professional how to handle or store propane, coal, or accelerants used for grilling correctly. Getting advice specific to your situation can help you avoid injury, death, or extensive damage that can cause your family to lose more than their home.
Help avoid overloading electrical outlets that often lead to electrical fires in your home. Portable AC units, heaters, fans, and dehumidifiers can cause significant problems if misused. Also, remember to check each electronic device for frayed cords or cracked plugs to avoid additional issues.
SERVPRO can help homeowners locate existing hazards and learn how to store boxes and treasured items correctly while maintaining a fire-safe home. You should make an emergency plan that allows each family member to remain safe, install the proper smoke detectors and fire extinguishing equipment, and help everyone get used to implementing fire prevention tips in your home.
SERVPRO of Evergreen Park / South Chicago City serves the entire Dolton, Beverly, Morgan Park area, providing fire damage cleaning and restoration services throughout the area; call today.
Managing Flood Damage Contaminants in Chicago Properties
Floodwater often contains contaminants. SERVPRO has the equipment necessary to restore your home.
We Manage Flood Damage Contaminants After Disaster
Contamination is one of the continued threats after flooding. When natural floodwater penetrates a property, it can bring debris and organic matter. Bacterial and viral pathogens are present in decaying matter, sewage, and other harmful substances rushing floodwater could absorb or pull in as it passes. We work quickly to assess the likelihood of blackwater events in your house and the appropriate steps to ensure the safety of those exposed.
Is the Water Contaminated?
One of the distinctions of flood damage in Chicago homes and commercial structures is whether a contaminant is believed to exist. Even speculated threats need treating with the same level of care that confirmed contaminants require. Flooding can be a challenge for restoration professionals because of the presence of hazardous substances like:
- Organic Matter
Removing Contents and Bulk Materials
Our team must treat the exposure of loose contents and personal belongings with urgency, which often means relocating these items to another portion of the property or our SERVPRO facility for cleaning. Bulk material removal is also a method of reducing pathogenic threats and contaminant spread in houses where these materials have been heavily exposed after flooding.
Addressing contaminants might also require the removal of exposed materials altogether. Controlled demolition might be suitable for any impacted building material when contaminants are considered a threat. SERVPRO technicians will remove carpeting, perform flood cuts on wet drywall surfaces, pull out wood trim, and eliminate other impacted construction elements as necessary.
Permanent construction elements like concrete, masonry, and other non-porous installation requires thorough cleaning with our potent disinfection products. Sanitizers in our inventory can destroy pathogens and bacterial threats on surfaces quickly.
It is vital to act quickly after flood damage in the Windy City. We appreciate the impact natural flooding can have on buildings and homes, so our SERVPRO of Evergreen Park / South Chicago City and our trained storm response team will arrive quickly to help. Call now at (773) 337-3900.
SERVPRO Professionals are Water Repair Experts
After devastating water damage occurs in a home due to a fire, natural flood, or defective plumbing, finding a professional water repair expert to restore a house as fast as possible is vital. An expert Downtown Chicago water damage repair company has technicians who understand what to do in a home to prevent additional problems caused by invading moisture, smoke, and soot. Water damage repair technicians have service trucks ready to arrive promptly with the tools and equipment required to remove moisture from floodwater or firefighter’s hoses as efficiently as possible. Restoration companies understand the specialized processes needed to correct problems in a structure after a flood or fire that can lead to crumbling or rotting drywall and wood floors.
Water Damage Experts Work as a Team
In addition to removing water damage in a Downtown Chicago home after firefighters leave or a flood recedes, a restoration team must prevent secondary damage caused by invading pathogens. Natural flood water contains mold spores and bacteria that can lead to a dangerous environment. In many cases, floodwater invading a home may have raw sewage that can cause health effects. The contamination left on surfaces can cause mildew odor and mold growth. An excellent way to ensure a home is cleaned efficiently is by having several technicians working at one time in different areas while performing various tasks. This professional fire and flood cleanup method helps prevent secondary damage to a home after the restoration team leaves.
Water Damage Restoration Equipment
Instead of using everyday household devices to remove moisture and debris from a home, professional restoration companies have industrial-strength equipment such as extraction machines. Technicians can install drying fans and dehumidifiers to reduce humidity and dry surfaces to prevent mold growth. Fast evaporation of moisture with air circulation makes the cleanup easier for technicians but also helps with preventing secondary damage. A sump pump powered by a generator is used to remove deep water from lower levels of buildings. At the same time, technicians begin to use extraction machines to suction moisture from wall-to-wall carpeting, tile floors, and drywall. As these areas of a home are dried thoroughly, technicians apply chemicals designed to destroy mold spores and mildew odor.
Water Damage Technicians are Specially Trained
Water damage IICRC certified technicians are trained to remediate different types of damage from sources such as sewer lines, lakes, or broken water pipes. When the damage in a home is from a combination of water, soot, and smoke, they are ready to use specialized methods to make repairs. A professional water and fire restoration business trains technicians in the most appropriate strategies. Technicians undergo rigorous training to receive certification in the skills of fire and water restoration.
How Water Damage Technicians Restore Homes
When water damage in Downtown Chicago occurs in a home due to a fire or flood, homeowners are often traumatized and do not know what to do. By calling a water restoration team immediately, a home is less likely to have permanent damage from floodwater, smoke, and soot because these items are removed quickly. The debris and moisture is suctioned into containers for removal to another site as other technicians work in a building to dry and decontaminate surfaces. After a water disaster, many home insurance providers reimburse the cost of restoration repairs. Homeowners needing to hire a restoration team can request a referral from an insurance agent. Never delay calling a restoration company after a fire or flood occurs to avoid additional damage as moisture or smoke seeps into surfaces.
SERVPRO of Evergreen Park / South Chicago City proudly serves Chicago, Downtown Chicago, South Side Chicago, Evergreen Park, and surrounding areas. We are available 24 hours/7 days a week and are ready to restore water damage to your Downtown Chicago home or commercial structure. Call us today at (773) 337-3900.
To Ease Restoration Of Your Fire-Damaged Property, Call SERVPRO of Evergreen Park / South Chicago City
Restoration Of Fire Damage In Chicago Is Easier With Professional Assistance
Homeowners leaving stoves unattended when cooking, and other simple oversights can lead to severe fire damage. The time it takes to mount a response determines the level of damage, so in many cases, such incidents only affect items in the vicinity. A delayed response can spread the damage to other parts of the house or even bring down the entire structure. Seeking professional help after extinguishing the fire presents a better chance of restoring the home to its preloss state.
Since the dynamics in each incidence of fire damage in Chicago differ, there is a need for a thorough evaluation before taking any steps to restore the affected property. Evaluation can help establish the percentage of the property affected, the types of residues left, and the kinds of debris left. We have IICRC certified technicians who can handle such evaluation with ease.
A thorough cleanup exercise is another crucial step in the restoration process. This step involves several processes including removal of debris for cleanup or disposal, removal of residues, and extraction of water or other firefighting agents. Our SERVPRO crew separates debris into categories of salvageable, unsalvageable and questionable items thus removing everything from the affected area. We dispose of the unsalvageable items and set aside the others for cleanup or further evaluation. We use different drying equipment to remove any water remnants from the area affected by the incident.
Fires can be very destructive to the structure or fixtures such as cabinets especially when affected directly by the flames. Even when not completely burned, the flames can affect their structural integrity or finishes. Our SERVPRO technicians inspect the level of damage and decide whether replacement, refinishing or restorative cleaning would fix the problem. Restorative cleaning reduces the overall cost of fixing the damage. We use various approaches including soda blasting and dry ice blasting during restorative cleaning exercises because such methods do not cause additional damages.
To ease restoration of your fire-damaged property, call SERVPRO of Evergreen Park / South Chicago City at (773) 337-3900. We’re Faster to Any Size Disaster.
Click here for more about Chicago.