Recent Commercial Posts

An Education on How Water Damage Affects Vancouver Schools

7/23/2019 (Permalink)

We want to help your water damage so that you can keep school in session.

Crucial Steps to Deal with Commercial Water Damage in Your Vancouver School

Water spills that happen in your school can be accidental or even acts of truancy by some students.  However, what matters once the incident happens is the steps you take to mitigate the loss, and restore normalcy. Stopping the water source fast helps ease the other steps that follow. Although the janitorial staff and other workers can manage some aspects of the loss, involving a professional team helps guarantee thoroughness.   

The intensity of a commercial water damage incident in Vancouver schools depends on how it unfolds. If a main supply line bursts, it can release vast amounts of water within a short while even when you manage to stop the source quickly.  A spill that happens in the middle of the night can also go unnoticed for a long time, leading to widespread damage. We help you deal with disasters when they occur. Our SERVPRO team can also help you prepare a proper response plan that your staff and restoration teams can follow when there is a loss. We do this by creating a digitized ERP, Emergency Ready Profile, which can be promptly accessed.  

With the large open hallways in a school setting, water from a single source can spread over vast areas.  Although the spilled water may not damage the materials in the halls easily, it exposes the students and everyone else to the risk of slip and fall accidents.  Fast extraction of the standing water is therefore necessary. Our SERVPRO team can handle such expedited water extraction using truck-mounted water extractors and wet vacs.  

Water loss incidents can damage building materials in the walls and the ceiling if the spill originates from an elevated source. Restoration in such cases requires controlled tear-down of the affected areas to remove all damaged materials and access any water that finds a way into concealed cavities.  Our SERVPRO technicians have the expertise to make flood cuts and punch vent holes or weep holes without causing unnecessary damages.  

For a faster and thorough restoration of water damage in your Salmon Creek, Ridgefield or La Center school, call SERVPRO of W. Vancouver / Clark Co. to help. You can reach us at (360) 695-4418 any time. We’re Faster To Any Size Disaster.

More about Vancouver.

How Commercial Water Loss Incidents Affect Offices in Vancouver

6/13/2019 (Permalink)

SERVPRO can dry your office and get you back in the business of doing business.

Unique Challenges that Commercial Water Damage in Vancouver Office Buildings Can Present

Managing a building with offices may not present many unique challenges since most of the tenants follow predictable routines in their daily activities. However, a water loss incident in such premises can cause great inconvenience and leave a significant restoration bill if you do not respond appropriately. We offer professional restoration services in Vancouver that can help shield you from significant loss.  

The large open hallways common in many office blocks can present a challenge after water damage in Vancouver. Without facing any physical barriers, spilled water can spread to a broader area lengthening the extraction process. If there is significant foot traffic in the building, the damage can spread even further. One way to overcome this challenge is by using sophisticated extraction equipment, which eases the removal process. Our SERVPRO technicians use different extraction equipment such as ride-on high volume extractors, which carry the technicians as they remove water reducing the work strain.  

The materials used on floors and other surfaces in office complexes can present challenges after water spills. Carpets can absorb vast amounts of water while joints on tiles can allow seepage leading to issues such as mold development. Removing the floor materials to extract water is useful but can lengthen the period it takes to restore the property to preloss condition. Our SERVPRO technicians use sophisticated equipment to facilitate extraction without removing the floor materials. For example, combining a water claw and with a portable or truck mounted water extractor allows us to extract water from a carpet in place. We also have injecti-dry systems that ease the removal of water trapped beneath hard surfaces such as wood or tiles.  

Water loss incidents lead to soiling in different areas as the water and people moving around the building spread debris from one area to another. Thorough cleaning is necessary to restore sanitary conditions in the building. Our SERVPRO technicians use multi-surface scrubbers and professional cleaning agents to remove all forms of soiling.  

To overcome any challenges after a water loss in your office building, call SERVPRO of W. Vancouver / Clark Co. You can reach us at (360) 695-4418 any time. We're Faster To Any Size Disaster.

Read more about Vancouver here.

3 Steps To Remove Mold From Air Ducts

4/12/2019 (Permalink)

SERVPRO can inspect, assess and remediate mold infestation.

Steps Mold Remediation Specialist Take To Remove Mold Growth From Air Ducts

Your commercial property in Vancouver, WA has many places where black mold may hide. All areas that are prone to excess moisture can foster fungus growth. If you believe the problem resides in your HVAC system, there are several steps that mold remediation specialists take to remove the growth and keep it from coming back.

1. Identify Mold Problem

The first thing technicians do is test to confirm that there is mold in your air ducts. There are several signs that this may be the case:

  • Fuzzy or slimy patches on insulation
  • Black powder on wall outside air vents
  • Strong, musty odor

Professional testing gives technicians a lot of information to work with. They know not only the extent of the problem but also the kind of mold they're dealing with. Once they identify the black mold, they can choose better techniques to mitigate it.

2. Clean Ductwork

The main goal of remediation is to leave you with clean ducts throughout your building. Technicians may seal off the system while the cleanup is in progress. This keeps an intense concentration of mold spores from spreading throughout your building and growing elsewhere. After the mold growth is removed, more tests can be run to confirm that the problem is resolved.

3. Resolve Source of Problem

No matter how quickly or thoroughly your remediation specialists remove the mold growth, if you do not take care of the problem that led to it, it is likely to return. Make sure all leaks are fixed. You may need to re-caulk your tile floors or reduce the humidity in your building. Preventing further water damage can also prevent future mold damage.

When you see signs of black mold, you probably need to do more than just wipe it away with a wet cloth. Certified professionals are trained to get rid of the growth and keep it from returning.

Answers to Basic Questions About Interruption Insurance

1/11/2019 (Permalink)

Flooded room in a Vancouver, WA office

Even if you've taken all the appropriate steps, your Vancouver, WA, business could still be affected by fire. When this happens, one of the most worrying aspects of the situation is how much money you could lose because of business interruption. Fire isn't the only emergency that could put your business in danger; other financial perils could include extreme weather, hail, windstorms, tornadoes, flooding, and other circumstances that may temporarily close your business. Protect your business with interruption insurance.

What Is Included in the Coverage?

Standard property insurance covers a lot of the physical damages and losses that fire leaves behind, but it doesn't cover everything. There are three main things that business interruption policies cover that your property insurance probably won't.

  • Profits you would have earned during the time period
  • Operating expenses you're still obligated to pay, such as rent
  • Moving costs to your temporary location

Sometimes this type of insurance is called business income insurance.

Who Qualifies for Coverage?

Sadly, there are business owners who don't qualify for this protection. One of the primary qualifications for this type of insurance is a dedicated commercial location. If you run a small business out of your home, you probably won't qualify for the policy. However, you may be able to get a business owner's policy. Other aspects of your business that may affect your eligibility include the type of industry, your history of business interruption claims, and the location.

How Long Does the Interruption Coverage Last?

Fortunately for many business owners, interruption insurance is available for the entire period of restoration. This is defined as the length of time necessary for repairing, rebuilding, and replacing any of your property that is damaged or destroyed. It's a good idea to find out exactly what is covered before you talk to the fire restoration professionals.

As you put safety procedures in place and provide training for your employees, don't forget to research interruption insurance in Vancouver, WA. You'll want the peace of mind that comes from knowing your business won't fail when disaster strikes.

Preventative Maintenance Strategies for Commercial Plumbing

12/31/2018 (Permalink)

No one likes having to deal with plumbing problems. They can cause significant damage to your commercial property that can only be fixed by water remediation experts. When you bring in the experts before the problem starts, however, you can prevent most of the common issues property owners in Felida, WA, tend to have. Being proactive can save you a lot of money and a lot of headaches in the long run.

Keeping a Watchful Eye

Some problems cannot be avoided. For example, if there is a water main break, your building will likely sustain some damage no matter how vigilant you are. Most plumbing issues, however, are easily prevented by recognizing and dealing with them as soon as you discover that something is wrong. A few key things to look out for include:

• Signs of leaks, such as bowed walls, standing water or water marks on the ceiling
• Clogged drains, as evidenced by overflow and slow draining sinks
• Low water pressure readings when you test with a pressure gauge

If you notice the signs of potential plumbing problems, contact someone to further assess and fix them immediately. The sooner a problem is fixed, the less damage it will do.

Have Your Plumbing Inspected

Regular inspections are vital for keeping your plumbing system working properly. Certified professionals can find the broken pipe or root invasion that is causing the problem in your building. With frequent inspections, they may even find it before it causes any damage that you would be able to see. Prevention trumps solution every time.

Taking care of a commercial plumbing system is a big responsibility, but preventing plumbing problems are well worth the effort. Have your plumbing professionally inspected before fall and after winter. It’s also a good idea to perform monthly inspections yourself. By being proactive, you can save yourself a lot of time and money.

Does A Business Need Flood Insurance?

10/19/2018 (Permalink)

Air movers on a flood damage due to storm in a commercial facility in Hazel Dell,WA

Flood insurance is a useful tool to combat the risk of natural disasters, but many business owners do not understand the requirements and basics of these potentially valuable policies. Keep reading for clarification and consideration.

1. Is Insurance Necessary?

While commercial insurance is likely mandatory, coverage for flooding may only be required in some regions of the country. However, just because it is not required does not mean it is not necessary. Only you can be the judge of the necessity of this type of insurance. If your business is located in a low-lying area or an area prone to even small floods, it may be a nice addition to your policy.

2. Does Insurance Protect Against Losses?

Flood insurance may protect against losses caused by flooding. However, there may be specific requirements for that coverage to kick in. For instance, your flood policy may make a stipulation that the flooding is caused by a natural disaster, like the overflowing of lakes, rivers or streams. Some plans may require an overflow to be a certain size before being labeled a flood. For example, many policies agree that water must cover a minimum of 2 acres or affect a minimum of 2 properties before being defined as a flood.

3. Does Insurance Cover Landscaping and Exterior Property Damage?

No, most flood policies do not cover damage done to the exterior of a property, including landscaping and septic systems. Additionally, business interruptions will likely not be covered by this type of policy. There are policies for business interruption as well as additional endorsements that can expand coverage to things like vehicles.

4. Does Insurance Cover Restoration?

Yes, if you have flood coverage, most policies will cover the costs of business restoration. While each policy is different, most will require that you receive a minimum of 3 estimates from restoration companies in the Hazel Dell,WA, area.

While every municipality does not necessarily mandate flood insurance, it may be beneficial for business owners. Ensuring that your property is protected against every potential risk is a way to preserve and maintain operations. Right, not every business needs flood protection, but it may be worth considering.

3 Maintenance Tips To Avoid an Expensive Pipe Break

9/26/2018 (Permalink)

Broken pipe in a Felida, WA shop

Making a business claim in Felida, WA, as a result of water damage is often an unpleasant experience. There are various steps you can take as a business owner or manager to maintain your pipes and decrease the likelihood of a pipe break.

1. Monitor Your Bills

Although pipe breaks can occur suddenly, there are often signs that a pipe is damaged before the pipe breaks entirely. Pipe leaks can be a sign that your pipes aren’t working properly, and knowing the cost of your business’s average water bill can help you catch a leaky pipe before it creates too much damage. Keeping a check on your water bills could save you from having to make a business claim at a later date.

2. Be Proactive

Pipes often burst if the temperature drops too low. One of the best ways to prevent your building’s pipes from breaking is to keep your building well above freezing, regardless of whether or not the building is occupied. Make sure you also inspect your pipes frequently to ensure that there are no hidden issues. Being proactive can help your business avoid having issues with pipes.

3. Have a Plan

Even with preventative measures in place, it’s still possible that your business may experience a pipe break. In the event that a pipe does break, it’s essential to know the safest and quickest way to shut off the water in your building. It’s also recommended that you tell others how to shut the water off in your building in the event that damage from water occurs when you’re not present. Shutting off the water in your building can prevent excessive damage and can ultimately save you time and money.

To avoid making a business claim due to water damage, there are various measures you can take to protect your building. By taking these steps and working with a team of experts to keep your pipes well-maintained, you’ll be less likely to experience damage from broken pipes in your building.

4 Steps To Take When You Find Mold in Your Rented Space

7/24/2018 (Permalink)

Once the landlord is alerted to the mold contamination problem, mold cleanup professionals will arrive to complete testing and provide remediation.

There are few things that can throw panic into your day like finding mold in your Vancouver, WA, building. Evidence of mold colonies encroaching into your space is frustrating to you and the property owner. The key to resolving this problem efficiently and effectively is taking quick action.

1. Notify Your Landlord Immediately

Does your landlord respond best to a phone call or a text? Do you need to contact the property owner through the mail? Choose the method of contact that is sure to get the quickest response. After making contact, be sure to keep a paper record of your interactions. The landlord may be responsible for mold cleanup but could claim not to have known about the problem. Your paper trail protects you from becoming responsible.

2. Take Pictures of the Mold

A photographic record is beneficial for several reasons, such as giving your landlord important information to share with the insurance company and providing valuable information for remediation experts. The photos could also be included in your record of the situation. However, be careful not to disturb the area to avoid releasing any mold spores.

3. Prevent Further Growth or Spreading

One of the best ways to prevent mold colonies from developing is to quickly clean up water damage as soon as it occurs. Whether you found a leak around a toilet or a window swamp cooler has been dripping, you need to alert the property owner and take all necessary steps to correct the water damage. Your quick response will limit the amount of mold cleanup you have to do.

4. Stay Out of the Area During Testing

Once the landlord is alerted to the mold contamination problem, mold cleanup professionals will arrive to complete testing and provide remediation. The testing provides direction for remediation efforts. Once Vancouver, WA, professionals have completed their work, you can confidently return to your day-to-day activities. For more information, visit http://www.SERVPROwvancouverclarkco.com/

What You Need To Know About Category Two Water Damage

6/19/2018 (Permalink)

If you hear that you have category two water in your commercial building, you need to know that there may be some contamination.

Not all commercial flooding is the same. Typically, your water damage will fall into one of three categories.

• Clean: Category One
• Gray: Category Two
• Black: Category Three

Most people can easily understand categories one and three. Clean water is not contaminated and comes from a broken pipe that carried fresh water. Black water is highly contaminated and often comes from sewer lines. Category two falls somewhere in the middle. Here's what you need to know about this type of flooding.

Picks Up Contaminants

When a water pipe repair flood fits into this category, the water was able to pick up contaminants. This can happen when a pipe bursts on the second floor of your commercial building in Vancouver, WA. Even thought the water starts on the second floor, it often travels through drywall, flooring and other materials to reach the first floor and basement. As the water travels through these sources, it may pick up bacteria, viruses and other contaminants.

Sits Too Long

Clean water that is allowed to sit for long periods of time before the remediation is started can turn into category two. Mold spores may enter the water from the air or the liquid may leach contaminants from its surroundings. If you have a flooded building, you need to call in a commercial restoration team quickly to avoid this change.

Comes From Contaminated Source

Sometimes the water itself is contaminated when it enters your building. If you're not dealing with a water pipe repair, but instead have a dishwasher or washing machine overflow, the water could already be contaminated. Some toilet overflow may also fit into this category so long as no feces is in the flow.

If you hear that you have category two water in your commercial building, you need to know that there may be some contamination. Responding quickly to a water pipe repair can help you solve the problem and may even reduce your chances of dealing with unsavory contaminants. For more information, visit http://www.SERVPROwvancouverclarkco.com.

Why Having Renters Insurance Is a MUST!

5/31/2018 (Permalink)

Home disasters are hard enough already, you don't have to go through this alone, we are here to help 24/7!

One of the most common mistakes that tenants make is assuming that their landlord’s insurance will cover their belongings in the event of loss or damage. In addition, tenants may think that renters’ insurance is too expensive. However, the common myths associated with renters’ insurance that keep tenants from purchasing it can end up costing much more in the long run.

Importance of Renters’ Insurance

It’s imperative to always read the fine print in your lease. You may assume that your landlord is liable for damages caused by leaky roofs or broken appliances, but there could be a clause in your lease that negates landlord liability, such as for theft, or injuries to a guest visiting your apartment. Also, your lease may require you to obtain renters’ insurance, especially if you live in an expensive apartment. Regardless of whether or not it’s required, here are some common situations when renters’ insurance can really come in handy. According to Effective Coverage renters insurance in Washington costs around $15.00 a month for most people. That's basic coverage of $10,000 of personal property and $100,000 of liability. "Only 37 percent of renters have renters insurance whereas 95 percent of homeowners have a homeowners insurance policy, according to a 2014 I.I.I. poll conducted by ORC International." - Insurance Information Institute

Natural Disasters

If your rental home and property is damaged because of a natural disaster, such as wildfire, hail, or tornado, the landlord may or may not repair the home damages, but your personal property usually isn’t covered. Renters’ insurance will protect you in the event that a natural disaster occurs, but keep in mind that a few natural disaster coverage options are considered “riders,” which means they are add-on coverage, such as earthquakes, volcanic eruptions, floods, and hurricanes.

Unnatural Fires of Short-Circuit Damage

Fires due to electrical issues and short circuit damage may or may not be covered by your landlord. In most cases, it will depend upon the fine print in your lease. If it’s not covered by your landlord, you’ll be liable for smoke and fire damage not only to your own belongings, but to the property as well. If you live in a multi-dwelling building and the fire spreads to other tenants’ apartments, you could be liable for damages to their belongings as well any property damage to their dwelling.

For questions regarding renters insurance, or to schedule an inspection contact SERVPRO of W. Vancouver Clark Co. @ (360) 695-4418

What Can Be Included on a Fire Claim?

5/17/2018 (Permalink)

Fire damage is not solely caused by the flames that rip through your commercial building.

If a fire breaks out in your Vancouver, WA, commercial building, the come back process can be difficult. Assessing the fire damage may overwhelm and confuse you. Some of the damage you found in your building couldn't possibly have been caused by the fire, so you may not know whether it can be included on your claim. Can your water-logged carpets be included on your insurance claim? As you try to figure out what counts as damage done by the fire, you need to remember the following:

• Flames affect structure, furnishings and equipment.
• Fire suppression causes water damage.
• Fire produces smoke and soot, which cause their own damage.

When you make your claim, you don't have to limit it to the damage done directly by the flames. Your fire restoration team may be able to help you better understand what you can include on your insurance claim.

Fire Damage

One of the main things your insurance adjuster will look for as he or she goes through your property is damage caused directly by the fire. This can include charred furniture, burnt walls and melted roof materials.

Fire Suppression Damage

Putting out a fire can cause damage too. Firefighters may have to add ventilation to your building to dampen and control the flames. This could mean breaking windows or cutting a hole in the roof. Suppression also requires lots of water, which means some of your building could be flooded or water logged.

Smoke Damage

Part of fire mitigation is taking care of the smoke stains and odor left after the flames are put out. Smoke often affects electronic devices, clothing, carpets, walls and ceilings. You may be able to include the cleaning and restoration costs on your claim.

Fire damage is not solely caused by the flames that rip through your commercial building. Instead, this damage can also be done by the byproducts of the flames and the tools used to stop the spreading of the fire. For more information, visit http://www.SERVPROwvancouverclarkco.com/.

Preventing Burst Pipes in your Business

5/1/2018 (Permalink)

Burst pipes can be devastating, so anything you can do to minimise the risk of a Burst Pipe happening in your business. As with most systems and parts of your office building prevention is by far the best solution, below we have highlighted several key things you can do to.

Ensure that any outside taps and piping including drain pipes for heating or overflow pipes are insulated. You can use insulating lagging or foam to do this but make sure you do not leave any joints, bends or taps exposed. For outside taps fitted covers are available.

Any piping that are in unheated areas such as dropped ceilings, basements and garages all need to be lagged with good quality pipe lagging.

Any pipes buried in the ground outside such as pipes to garages need to be buried deep enough and/or lagged.

Insulate your cold water tank, this is so often forgotten and can be the major cause of Burst Pipes.

Leave your heating on at least 54 degrees Fahrenheit at all times throughout cold spells. This will keep the system warm enough not to Burst Pipes and the water flowing.

Fix any dripping taps or existing leaks before the cold spell. Many Burst Pipes happen because of leaks.

Have your Central Heating System serviced regularly.

In particularly cold spells leave the ceiling open as this will allow the warm air to circulate around the space and warms any pipes in that space, reducing the risk of a Burst Pipe.

SERVPRO of W. Vancouver / Clark Co. can respond to your company quickly after it suffers a broken pipe.

Red Cross in Urgent Need of Blood Donors

5/1/2018 (Permalink)

The American Red Cross urgently needs blood donors to make an appointment to give this winter.  Eligible blood donors of all types are needed, especially those with O, AB, B negative and A negative.

Blood is needed to respond to emergencies large and small across the country everyday. 

Blood supplies are urgently needed now and throughout the winter to maintain sufficient blood supply for many patients in need.

Make an appointment today to donate blood by downloading the free Red Cross Blood Donor App,(http://www.redcross.org/bloodapp), visiting(http://redcrossblood.org), or calling 1800-RED CROSS(1800.733.2767)

Also, please consider becoming a volunteer for the American Red Cross. Lot's of assistance is needed in teaching the word of "Disaster Preparedness" in schools and businesses. All the training needed is provided by the American Red Cross at no expense to the volunteer. 

For further questions, please contact the local chapter of the American Red Cross or SERVPRO of W. Vancouver/Clark Co. @ 360-254-0049

What To Do When Your Business Encounters Extreme Damage

10/4/2017 (Permalink)

Remain positive and hopeful because SERVPRO of W. Vancouver is here to help 24 hours a day, 365 days a year! 360-695-4418

Natural disasters can cause significant and costly damages to homes, roads and, of course, local businesses. While you should always be prepared for such events, by maintaining adequate insurance coverage and secure file backups, you sometimes get little warning before disaster strikes. And if something happens, you'll want to get your business back up and running as quickly as possible.

Unfortunately, the road to recovery isn't always easy. A previous Business News Daily article about recovery from 2012's Superstorm Sandy reported that just 25 percent of small businesses had backups of critical programs and data before the storm, and even fewer (20 percent) said they had protected their buildings from the storm or prepared emergency survival kits.

Execute your business continuity plan

Your business continuity plan should prepare you for major disaster scenarios, such as the loss or unavailability of IT systems, key people or a facility third party. Make sure key personnel will have access to the plan on secured mobile devices immediately after a disaster.

Don't have a business continuity plan? This Business News Daily guideoutlines how to create one.

Check your backed-up data

You should have already backed up and safely stored your most critical data: your business license, major contracts and legal documents, tax returns and financial statements, and other critical business and customer documents. Following a disaster, make sure your vital records are still securely accessible from the devices you're using.

Communicate with your employees and external parties

Leverage your website, social media channels and text messaging to reach your employees, customers, partners and vendors. Reassure your customers that you're still in business, while making sure that no communications will inadvertently create legal liability or adversely affect service-level agreements.

Contact your insurance company

Once you and your employees are safe and accounted for after a disaster, survey the damage. Contact your insurance company to file a claim. You should always do an occasional check-up to ensure you have adequate coverage for major disaster types, including cybersecurity insurance. Office break-ins and vandalism may occur during a disaster, and if someone steals computer equipment or paper documents containing personally identifiable information, and the information was not encrypted, you may have a legal requirement to notify your customers. To be safe, encrypt your customer data, digitize paper documents and store all critical data in a secure, cloud-based document-management system.

If your insurance doesn't cover the full cost of the damage, you may be eligible for a disaster loan from the Small Business Administration of up to $2 million. The SBA may even provide working capital loans, even if you didn't have any property damage.

Remain positive and hopeful because SERVPRO of W. Vancouver is here to help 24 hours a day, 365 days a year!

Source: Business News Daily

Summer Safety!

6/26/2017 (Permalink)

SERVPRO of W. Vancouver / Clark Co. Professionals wish you a safe and happy summer!

Celebrate Summer Safety 

Summer is a time to enjoy the great outdoors, but it is also important to keep safety in mind. Consider the following tips, provided by the National Fire Protection Association, to keep you and your family safe all summer long.

  • When using a charcoal grill, only use starter fluids designed for barbecue grills; do not add fluid after coals have been lit.
  • When using a gas grill, ensure  the hose connection is tight; check hoses for leaks. Applying soapy water to the hoses will easily and safely reveal any leaks.
  • When camping, always use a flame-retardant tent and set up camp far away from the campfire.
  • Always build a campfire downwind from the tent area. Clear vegetation and dig a pit before building your fire. Extinguish the fire before going to sleep or leaving the campsite.
  • Store liquid fire starter (not gasoline) away from your tent and campfire and only use dry kindling to freshen a campfire.

SERVPRO of W. Vancouver / Clark Co. Professionals wish you a safe and happy summer!

7 Little-Known Benefits of Renters Insurance

6/5/2017 (Permalink)

Contact a local insurance agent today to talk about adding renters insurance to your policy

Owning a home is still the American dream for many, but renting has benefits — you don’t have to pay for building upkeep, risk getting underwater on a mortgage or be stuck in one place for too long.

But you still need to think about financially protecting yourself and your stuff. Renters insurance is the way to do that.

With the U.S. homeownership rate at its lowest point in 51 years, more American households need renters insurance. Yet only 40% of renters have policies, versus 95% of homeowners who have home insurance, the Insurance Information Institute says.

Why buy renters insurance

Your landlord’s property insurance won’t help you if disaster strikes. It covers the structure, but not any of your things. Renters insurance covers your belongings from all the possible bad events that are listed in the policy, such as fire, smoke, water damage, windstorms, lightning, theft and vandalism.

Even if you don’t think your stuff is worth that much, renters insurance is a good idea. The cost of replacing just a basic wardrobe and only a few pieces of furniture adds up quickly.

Plus renters insurance covers more than your personal belongings at home. Here are seven other things a policy covers:

  1. HOTEL COSTS AFTER A DISASTER

You don’t have to couch surf while your apartment is undergoing repair after a disaster like a fire. Renters insurance includes “additional living expenses” coverage if your place becomes uninhabitable after a disaster and you need to find somewhere else to live temporarily. The coverage would reimburse you for extra expenses, such as the cost to stay in a hotel or rent another apartment.

  1. MEDICAL EXPENSES FOR INJURED GUESTS

If a visitor is injured at your apartment, renters insurance would pay the medical bills up to the policy’s limit. A typical policy includes $1,000 to $5,000 worth of medical coverage, according to the Insurance Information Institute.

  1. DAMAGE YOUR KID CAUSES OTHERS

Renters insurance provides liability insurance to cover injuries or property damage you and your family members cause others. So if your kid breaks a neighbor’s rare antique vase, your policy could pay to replace it.

  1. LEGAL COSTS IF YOU’RE SUED

If someone gets injured in your apartment or you accidentally hurt somebody and are sued, the liability coverage on a renters policy would pay your legal costs and court awards, up to the policy’s limit. You choose the amount of liability insurance when you buy a renters policy. Limits usually start around $100,000.

  1. DOG BITES

Most renters insurance policies provide coverage if your dog bites someone, either at your home or off the property. Check the policy, though. Occasionally insurers exclude or limit coverage for dogs.

  1. STUFF YOU’VE RENTED OR BORROWED

A renters insurance policy covers things “in your possession,” the Insurance Information Institute says. That means property you own or that you borrowed or rented.

  1. BELONGINGS AWAY FROM HOME

Your things are covered away from home, too, for the perils listed on the policy. So you’re covered if a thief steals stuff out of your car or swipes your luggage from a hotel room. This “off-premises” coverage is usually limited to a portion of your total coverage for personal belongings, such as 10%.

Commercial Services

5/30/2017 (Permalink)

Have Questions? Call Today – (360) 695-4418

Your commercial property’s appearance speaks volumes to your clients. So when the need arises for professional cleaning or emergency restoration services, SERVPRO of W. Vancouver / Clark Co. has the training and expertise to help make it “Like it never even happened.”

Commercial Building Restoration Services

SERVPRO of W. Vancouver / Clark Co. responds quickly to your Vancouver fire, water, or mold damage emergency, 24 hours a day. Whether the damage occurs in a small business building or a big box store, we have the training, experience, and equipment to handle the situation. Our national network of 1,700 Franchises gives us access to personnel and resources to respond to any size restoration emergency. Learn more about our commercial restoration services:

Commercial Building Cleaning Services

SERVPRO of W. Vancouver / Clark Co. offers professional cleaning and preventative maintenance for your carpet and upholstery that keeps your property looking its best. Our cleaning system offers a number of specialized cleaning options to match your needs. Whether your business needs a deep cleaning or a persistent odor removed, you can trust SERVPRO of W. Vancouver / Clark Co.. Learn more about our commercial cleaning services:

SERVPRO's Disaster Recovery Team

5/30/2017 (Permalink)

Should a storm or major event strike, call (360) 695-4418

No Job Is Too Large

The SERVPRO Commercial Large Loss Division is composed of our best of the best in restoration. Our elite large-loss specialists are prequalified and strategically positioned throughout the United States to handle any size disaster.

Every large loss is supervised by a commercial operations manager to help ensure seamless communication and timely mitigation.

At SERVPRO, the difference is our ability to dispatch trained production professionals and cut costs through the strategic placement and oversight of temporary labor. Get the professionals, call SERVPRO.

Clients for the Commercial Large Loss program include the following:

  • The Hospitality Industry
  • Property Managers
  • Universities
  • Municipalities
  • The Pentagon

Catastrophic Storm and Major Event Response

The SERVPRO Disaster Recovery Team can provide help whether you're dealing with a tornado, hurricane, blizzard or flood. The SERVPRO System has a network of strategically positioned storm teams on standby should a disaster strike near you. Available 24 hours a day and 365 days a year, we are prepared for the unpredictable.

With the ability to mobilize local command centers, along with the resources of more than 1,700 Franchises nationwide, no disaster is too big. Recent mobilizations of the Catastrophic Storm Response Teams include:

  • 2014 Polar Vortex
  • 2012 Sandy
  • 2010 Nashville floods
  • 2008 Ike
  • 2007 Chicago floods
  • 2007 Ohio floods
  • 2007 California wildfires
  • 2005 Katrina/Wilma/Rita

Commercial Emergency Ready Plan

4/21/2017 (Permalink)

With SERVPRO on your side you can protect you business from everyday dangers. We have a 24/7 Emergency Response team to be there when it matters most.

The SERVPRO Emergency READY Profile Advantage

As many as 50% of businesses close down following a disaster, according to the latest research. Of the businesses that survive, the overwhelming majority of them had a preparedness plan in place. Pre-planning can serve as an insurance policy aimed at peace of mind. And knowing you are "Ready for whatever happens" speaks trust to your clients and employees that in the event your business is affected by a disaster, they don’t necessarily have to be.

By developing a SERVPRO Emergency READY Profile for your business, you minimize business interruption by having an immediate plan of action. Knowing what to do and what to expect in advance is the key to timely mitigation and can help minimize how water and fire damage can affect your business.

- A no cost assessment of your facility.
This means there is no need to allocate funds, giving you a great value at no cost.

A concise Profile Document that contains only the critical information needed in the event of an emergency.
It will only take a little time to complete and will not take you away from current projects. But it will save a lot of time if ever needed.

A guide to help you get back into your building following a disaster.
This can help minimize the amount of time your business is inactive by having an immediate plan of action.

Establishes your local SERVPRO Franchise Professional as your disaster mitigation and restoration provider.
You have a provider that is recognized as an industry leader and close by.

Identification of the line of command for authorizing work to begin.
This saves time so we can begin the work of mitigating the damage which can save you time and money.

Provides facility details such as shut-off valve locations, priority areas and priority contact information.
Having a quick reference of what to do, how to do it and who to call provides solutions in advance of an emergency so that during the emergency you are "Ready for whatever happens."

Contact us today to schedule this complimentary service and protect your business! 

(360) 254-0049

SERVPROmarketing@comcast.net