Preparing for Hurricane Season - What is a storm deductible?
SERVPRO of Greater Covington and Mandeville's emergency response team cleans up and restores properties damaged by storms.
Preparing for hurricane season includes understanding your property and casualty insurance policy benefits and storm deductibles. In Louisiana, insurance policies designate three different deductibles related to wind damage: hurricane, named storm, and windstorm and hail.
A hurricane deductible is triggered when the National Hurricane Center reports a tropical storm has reached hurricane strength, 74mph. Named storm deductibles are activated when a tropical storm reaches winds of 34 mph. Windstorm and hail deductibles can be required for damages caused by any kind of storm, such as tornadoes, hurricanes, or other storms.
Policyholders must pay the required deductible before their insurance carrier will cover the expense of the claim. Storm deductibles are generally more costly than typical homeowner or business owner policy deductibles though. Storm deductibles are expressed as a percentage of the value of the home, usually a value between one percent and five percent. However, storm deductibles for coastal homes may be even higher.
We advise speaking with your insurance agent before you need to file an insurance claim, especially a storm-related claim. Ask your agent what your storm deductibles are. Prepare to have that amount saved. Also, please keep in mind building material costs are substantially higher than normal this year. Ask your insurance agent if your policy will cover actual cash value or replacement cost. Replacement costs may be most beneficial in today’s market.
Our team is here to help if your home or business incurs storm damages. We work with all major insurance companies and are we are available 24/7 for emergency services. Please contact our office with any questions regarding storm cleanup or to schedule a service.
3 Reasons to Choose a Fire & Water Restoration Company vs. a General Contractor to Clean Your Fire Damaged Property
Have you recently had a fire at your home or business? The cleaning and restoration process can feel overwhelming. So can understanding the claims process. Choosing a professional restoration company will help alleviate some of your stress and clarify the process for three significant reasons.
We Are Uniquely Experienced
Only after years of cleaning and restoring fire-damaged properties will someone understand the tedious, complex nature of the work. Often, the fire itself does cause most of the damages. After the fire is extinguished, smoke and soot particles travel throughout the property, affecting multiple areas untouched by the flames. The water used to suppress the fire adds another layer of concern too. The wet materials must be assessed and either properly dried or removed. The nature of the fire will also determine which materials can be salvaged and which materials need to be removed. Lastly, the source of the fire plays a major role in the cleaning process. For example, the method for cleaning after protein or grease fires is more labor-intensive than the method for restoring a property after an electrical fire. Our fire restoration team understands how to navigate all these peculiar challenges.
We Utilize Professional Restoration Equipment
As explained above, the fire restoration process includes much more than simply removing fire-damaged materials. The remaining structure must be properly cleaned, dried, and deodorized. Our fire restoration team has an arsenal of SERVPRO proprietary cleaning products to effectively clean any type of fire. To dry the property, we employ our professional moisture detection tools, fans, and dehumidifiers. Most importantly, and sometimes overlooked by general contractors, our fire restoration team understands how to remove the fire and smoke smell from a damaged home or business. Our fire restoration technicians will clean and possibly seal the air ducts, seal the remaining structure after it is cleaned, and thermal fog with a deodorizing product. After our team has completed a fire restoration project, the property should not only look “Like it never even happened,” but also smell like it too.
We Understand the Claims Process
One of the most difficult aspects of handling the aftermath of a fire is often navigating the insurance claims process. Insureds usually have little or no experience managing an insurance claim. Because most of our customers decide to file an insurance claim, our team members are experts at communicating with insurance companies, insurance agents and adjusters, and third-party administrative claims management companies. We advocate for our insureds when necessary to ensure their property is best restored to preloss condition. Our project managers are known for being patient and thoroughly explaining the claims process.
SERVPRO of Greater Covington and Mandeville is proud to be a leader in fire and water cleanup and restoration. Please reach out to our office with any questions about our fire restoration services. We’re always happy to help 24/7/365.
NOAA's Climate Prediction Center Predicts Above-Average Atlantic Hurricane Season for 2021
NOAA's Climate Prediction Center now considers an average Atlantic hurricane season to have 14 named storms, 7 hurricanes, and 3 major hurricanes.
The Atlantic hurricane season officially started on June 1st. Again this year, experts at NOAA's Climate Prediction Center (CPC) predict an above-average season. The NOAA's CPC will now use data from 1991-2020 to determine hurricane season averages. The previous averages were based upon data from 1981-2010. NOAA's CPC now considers an average Atlantic hurricane season to include 14 named storms and 7 hurricanes. The average for major hurricanes remains unchanged at 3.
At this time, we urge every homeowner and business owner to review their hurricane preparedness plan. Know your evacuation route. Inspect your emergency kits and restock them if necessary. Review your plan with your household or employees. Call your insurance agent to review your policy and make necessary changes. Please keep in mind material prices have dramatically increased. Replacement costs may be higher than your current policy accounts for.
For local business owners, we offer complimentary emergency planning services specific to your property to help mitigate disasters and prepare employees. Each disaster plan includes a 3D Matterport scan of the property for preloss documentation. Please contact me for more details about this no-cost service.
Our storm response team is prepared to help our community in the unfortunate event of a disaster. With unlimited resources through our national partners, no job is too big for SERVPRO of Greater Covington and Mandeville. Our emergency restoration team is here to help 24/7/365.
Cleaning and Disinfecting with SERVPROXIDE
SERVPROXIDE is a safe and effective cleaning and disinfecting agent.
As a leader in the restoration industry, we employ various professional chemicals to effectively clean and restore properties. One of our most utilized products is SERVPROXIDE. SERVPROXIDE is a hospital-grade non-bleach surface disinfectant safe for commercial and residential properties. SERVPROXIDE kills harmful bacteria, viruses, mold, and mildew on both hard and soft surfaces including air ducts. It is an EPA-registered product (82972-1-93012) and NSF-listed (156316). SERVPROXIDE boasts the EPA’s lowest toxicity rating, does not require PPE for general purpose use, and is safe for everyday use. Our cleaning professionals easily apply SERVPROXIDE by using a spray bottle or an electrostatic sprayer. SERVPROXIDE is safe for use around food, children, and pets. It is also a 100% biodegradable surfactant. A couple of the common projects we use SERVPROXIDE on are mold remediation and COVID-19 disinfecting. Please contact our office if you would like to know more about the professional cleaning and disinfecting products we use or to schedule a service.
SERVPRO of Greater Covington and Mandeville Offers a Variety of Commercial Cleaning Services
SERVPRO of Greater Covington and Mandeville manager cleaning and disinfecting local gym in Covington, Louisiana.
While SERVPRO of Greater Covington and Mandeville is most notably known for our emergency services, our cleaning and production technicians are happy to help keep your commercial property clean year-round. We are able to offer more unique services than the typical janitorial company because of the complex and tedious nature of our water and fire damage projects. We utilize the most sophisticated professional cleaning equipment to optimize effectiveness and efficiency. From water and fire damage to dirty air ducts, our team can make any size disaster seem "Like it never even happened."
The following are some of the commercial cleaning services we offer every day:
- Air duct cleaning
- Mold remediation
- Carpet and tile cleaning
- Deep cleaning and disinfecting
- Biohazard cleanup
- Vandalism cleanup
- Post-construction cleaning
Please contact our office to request an estimate.
SERVPRO of Greater Covington and Mandeville Hosts SOS Blood Drive
"Stock Our Shelves" Blood Drive and Food Drive for the Northshore Food Bank -
Once a year, we host a mobile blood drive at our office located at 68424 James Street in Mandeville to boost donations for The Blood Center. This year, our blood drive will be an SOS drive to raise donations for both the Blood Center and the Northshore Food Bank. Each donor is encouraged to bring three items to help "Stock Our Shelves" at the Northshore Food Bank before the trying summer months increase demand.
The Northshore Food Bank is currently in dire need of the following items: dry beans, corn muffin mix (Jiffy), canned tuna, canned fruit, and canned okra. The Northshore Food Bank is also asking for donations of toilet paper to assist families as well. We will have a large orange bin for the donations at our office. Help us fill the bin!
We will also have community leaders present to talk about emergency preparedness and fire safety practices. Clarence Powe from St. Tammany Parish Government's Office of Homeland Security and Emergency Preparedness will be present from 9:40 am until 11:00 am to discuss hurricane preparedness. Jeremy Windom from Mandeville Fire Department will be present as well to discuss fire safety tips.
Date: May 21st
Location: SERVPRO of Greater Covington and Mandeville
68424 James Street, Mandeville, LA 70471
Time: 9:30 am - 2:30 pm
Please click here to register.
Cleaning and Restoring Fire-Damaged Contents
SERVPRO of Greater Covington and Mandeville utilizes an ultrasonic cleaning machine to restore fire and soot damaged contents.
Having a fire in your home is a devastating event. Not only is the structure of your home affected, but your contents may be significantly damaged by fire, soot, or water as well. At SERVPRO of Greater Covington and Mandeville, our fire restoration professionals are extensively trained in various cleaning techniques to save your belongings. We utilize our proprietary cleaning solutions made by SERVPRO chemists and specialized equipment such as the ultrasonic machine pictured here.
This ultrasonic machine employs microscopic bubbles created through cavitation (the formation of bubbles in water) to create vacuum energy in the form of heat and pressure. This process allows the water and cleaning chemicals to reach into the most elusive inner workings of even delicate items. Soot, dirt, and other contaminants are quickly and gently removed. With this machine, we can safely restore a wide range of contents including collectible items, antiques, window blinds, stuffed animals, and toys.
Sound the Alarm. Save a Life.
Sound the Alarm. Save a Life.
Home fires claim seven lives every day, but we can change that. The American Red Cross’s springtime Sound the Alarm campaign runs from April 8th until May 8th this year. Sound the Alarm’s purpose is to educate families about the alarming frequency of home fires and to teach two life-saving tips.
Tip 1: Practice a 2-Minute Fire Drill
- Use this home escape plan worksheet to draw a map of your home and plan your escape routes.
- Each family member should know two exits in each room.
- Practice your 2-minute drill – escape from your home and meet at a safe place
Tip 2: Test Smoke Alarms Monthly
- Press the alarm button on each of your smoke alarms to test if they are working properly.
- If the alarm doesn’t sound, then replace the batteries and test again.
- Replace smoke alarms that are not functioning properly.
- Replace smoke alarms that are more than ten years old.
For more information about the Sound the Alarm campaign or to get involved, visit www.redcross.org/sound-the-alarm.
Insurance Continuing Education Class - Restoring Contaminated Buildings
SERVPRO of Greater Covington and Mandeville teaches quarterly continuing education classes for local insurance professionals.
We invite all local insurance agents and adjusters to register for our upcoming continuing class. Please see the details below. Send an email to kayla@SERVPROofcovington.com to reserve your spot.
Restoring Contaminated Buildings - Continuing Education
Date: May 21st
Location: SERVPRO of Greater Covington and Mandeville
68424 James Street, Mandeville, LA 70471
Registration time: 8:00 am
Class time: 8:30 am - 10:30 am
Course hours: 2 Credit Hours
Cost: Free for all local insurance professionals
Breakfast and coffee will be provided.
This course has been specifically designed to teach and explain the special procedures used by professionals in storms, large losses, and contaminated water events. Storm events may significantly impact the local area they strike, causing not only property damage but also chaos and confusion. While the cleanup and restoration following a storm event can be a long, tedious effort, mitigation efforts must begin quickly to prevent storm-damaged properties from escalating to contaminated properties. We will discuss how the response required in a storm event or large loss must meet the challenges and complexities of those situations while focusing on safety for everyone involved – the restorer, the workers, the property owner, and the adjuster. We will also discuss the differences in responding to a contaminated water event and the special procedures required.
How Common Are Fires in Apartment Complexes?
Fires at apartment complexes occur more often than most people think. In 2020, three apartment complexes in Covington were caught on fire. While the reasons responsible differed, each fire destroyed multiple units. Two of the apartment complexes had to have the entire building demolished due to structural concerns.
According to an article posted on apartmentguide.com, most apartment fires can be attributed to the following five causes- cooking, space heaters, electrical malfunction, arson, and appliances malfunctioning.
Most of these are easily preventable by following these fire safety tips:
- Never leave food cooking on the stove unattended
- Check twice to make sure the stove is turned off before leaving the kitchen
- Store a fire extinguisher in or nearby the kitchen
- Never plug a space heater into a power strip. Only plug them directly into outlets
- Do not overload power strips
- Only smoke in designated smoking areas and properly dispose of cigarettes
- Do not use appliances with frayed wires
- Contact the office or maintenance team immediately if experiencing electrical issues
For more fire safety tips, please visit nfpa.org.