Emergency Ready Profile (ERP) and Commercial Buildings Loss Potential
SERVPRO Commercial Damage Restoration WATER | FIRE | STORM | MOLD 530-222-0200
How To Understand Commercial Property Loss
Property damage loss ratings are established to help insurance adjusters, restoration companies and real estate agents, investors and brokers understand the loss potential of a commercial building or facility’s risk and return.
Common reasons for commercial loss insurance claims would include flood, water and mold. Additionally, storm, hail and wind damage, vandalism, theft, among other factors, lead to business interruption, equipment damage (including electronic data) and thus loss of business income and property assets.
The ratings are determined based on age of the building, location, amenities, current tenants and rent pricing.
Newer building are considered “Class A”. These comprise newer construction, excellent maintenance and presentation.
The majority of commercial buildings fall into “Class B”. Generally older construction although well maintained. Along with some restoration and remodeling work they are considered a value-added property.
“Class C” commercial is the lowest tier with significantly older buildings in the least desirable locations perhaps needing extensive renovation. Business and tenant occupancy in these properties also tend to be lower.
Following this guide, SERVPRO of North Shasta, Trinity & Greater Tehama Counties recognizes that most loss and thus need for fire and water damage restoration services, in fact, occur beginning at “Class C”.
SERVPRO’s Emergency READY Profile® (ERP) is a free value-added addition we provide to every level of a commercial property owner’s overall contingency plan. However, where property loss is considered greater in “Class B and C” the ERP takes on special significance by outlining in great detail shut-off valve locations, priority response areas and first-responder contact information clearly setting an immediate plan of action in place with a local SERVPRO Franchise Professional as their disaster mitigation and restoration provider “Ready for whatever happens”.
Evaluating the components of a loss are fact-intensive with much of commercial coverage determined by the period of business interruption and the length of restoration. Pre-loss mitigation plans, such as SERVPRO’s Emergency Ready Plan mentioned above, identify and coordinate external professional resources, including an emergency restoration company capable of responding within hours of a loss at all loss sites. Commercial organizations which have prior agreements with trusted restoration partners in place are first in line for assistance and, consequently, among the first to re-establish operations and limit their business-interruption losses.
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Home Mold and Water Damage
Mold infestation from water damage
Leaking Water Leads to Serious Mold Problems
Redding and Shasta County residents call us every day for home water emergencies. A water valve breaks, a toilet leaks, a tenant moves out and breaks a water line, no pun intended but when it rains it pours. SERVPRO North Shasta, Trinity & Greater Tehama Counties is an emergency water and mold damage service priority responder to just such unexpected incidents. The following are front line examples of just how quickly a water line break can expand into extensive residential property damage.
SERVPRO water restoration professionals arrived at a vacant manufactured home and found furniture was still inside increasing the expanse of the mold infestation. The purpose was to inspect for a serious mold problem which is exactly what they discovered. There was mold on the exterior walls in three bedrooms (probably leaking from the siding and windows). The walls were constructed of drywall and the interior of the walls needed asbestos abatement because of the age of the dwelling.
On another emergency call priority response technicians discovered the dishwasher leaked producing a wet, squishy floor. Removing the laminate flooring to expose the sub-floor they found migration lines of mold continued into cabinets and the trim from the affected walls and into the dishwasher cavity. The mold finding was very serious. Mold spore containment sheeting was placed over the area. In fact, the cabinets needed removal to address the mold issue throughout the drywall.
Broken water pipes hidden within a wall are quite common. Servicing a Shasta County home we discovered the culprit was a cracked and leaking copper pipe. The kitchen and dining room area were heavily water damaged through tile flooring and sheet rock. The walls required baseboard and drywall removal. Our highly trained technicians cut out the drywall in the kitchen including mildew and mold soaked insulation. We needed to install extensive SERVPRO drying equipment.
Toilets, from our several decades of experience, can become major sources of water damage.
We arrived at a job site and found that a toilet float valve assembly broke causing overflow to an upstairs bathroom, living room, entry, kitchen, closet, stairway, master bedroom and lower level game room, bedroom, closet, HVAC room (the ducting had water pouring out) and bathroom. The water damage also affected the insulation in the crawlspace between the floors and a second crawlspace below the lower level. We pulled out the refrigerator and found the drywall to be dry but the ceramic tile floor had a wet area under the fridge. We cut out the carpet and pad from the living room and closet since it was delaminating and set up our dehumidifier and powerful air movers to quickly dry the sub-floor. Our SERVPRO team removed laminate, tile with cement board upstairs, cabinets, and an upstairs bathroom vanity. Lower story insulation and drywall were removed from ceiling and walls.
Our advice to home and residential property owners is to regularly check your water connections – toilets, faucets, pipes and flow valves into home appliances. Be aware of the external location of the water shut off valve and how to shut it off. When water damage does occur SERVPRO of North Shasta, Trinity & Greater Tehama Counties is here to help 24 Hours a day 365 days a year.
Flood Water Damage Insurance Regulations for Commercial and Residential Property Owners
Flood damage restoration expert tips - from the front lines of experience
Rain Storms and Flooding - Disaster Education - NFIP and FEMA
Shasta County Winter water damage from storms and rains are fast approaching. Property owners and managers should be aware of the National Flood Insurance Program (NFIP) and how it works with Federal Emergency Management Agency (FEMA) in the case of floods and the resulting damage caused. Flood waters, whether they are from rising rivers and streams or rainwater, can cause flooding resulting in damage to property. If water touches the ground and enters any structure, it is considered flood water, which is not covered by regular or commercial insurance policies.
These flood waters are considered Category 3, which is highly contaminated and can contain pathogenic, toxigenic, or other harmful agents from sewage, silt, and debris this can cause significantly adverse reactions to humans when consumed, or when in contact with the CAT3 water. This can create civil liability and as of January 1, 2017 cause substandard housing issues if the damage, such as mold after flooding, is not dealt with correctly.
With NFIP policies in place, which is on a county by county basis or if the county or state declares an emergency in an affected flood area, it is possible that FEMA could pay the flood claims. These policies have very specific restrictions on all FEMA/NFIP claims. The 2017 FEMA rules and regulations are as follows, and are subject to change on a yearly basis:
Water damage clean-up service providers must provide a complete drying log for every day of the process with the invoice. This includes Hygroscopic readings, that show how much moisture is in the air and atmosphere. Also, daily measurements of any materials being dried such as structural wood, cabinets and some flooring that does not require removal such as vinyl composition tile (VCT) when it is undamaged. If logs are not provided, these line items will be rejected and NOT covered by FEMA/NFIP.
FEMA/NFIP does NOT pay for drying gear that is placed prior to all demolition being complete. Once all porous materials have been removed, then drying equipment will be allowed.
FEMA/NFIP does NOT cover water extraction from wet carpet. It is less heavy for restoration technicians to lift and remove extracted lost carpet.
FEMA/NFIP does NOT cover air scrubbers and Ozone machines. These machines remove a variety of odors and airborne contaminates caused by animals, cigarette smoke, mold and mildew, or fire and water damage. What is pertinent to flood claims are airborne E Coli, giardia, or similar pathogens.
FEMA/NFIP does NOT cover content manipulation charges, such as removal of household furniture. A good way to judge the contents of a house versus the structure: If you could turn your house upside-down and shake it, whatever falls out is considered contents, whatever is bolted, nailed, or screwed in place, such as cabinets, are considered part of the structure. NFIP does have content coverage policies, but most of these have a separate deductible.
FEMA/NFIP does NOT cover equipment cleaning charges. The EPA, OSHA, and IICRC industry standards require the cleaning and sanitizing of all equipment used during a CAT3 flood damage restoration.
FEMA/NFIP does NOT cover generators needed to run restoration equipment, such as dehumidifiers and air movers. Many flood situations are followed by power outages due to the nature of the flooding, either by the force of it or due to the power company cutting the power for safety reasons. By the time that demolition is complete the power is usually on in time to set the gear for the structural drying process.
FEMA/NFIP does NOT cover the costs of Personal Protective Equipment (PPE) even though this is required by OSHA. This includes Tyvek suits and respirators, which are essential for the safety of restoration technicians to reduce or eliminate exposure to harmful chemicals and mold.
FEMA/NFIP does NOT cover secondary damage. An example of secondary damage: Two feet of water in your home creating elevated humidity levels that absorb into hydroscopic materials causing damage like sagging or collapsing ceilings from damp, heavy dry wall.
As stated previously, these rules and regulations change on a year-to-year basis. If you have flood damaged property you can go online to: https://www.fema.gov/information-property-owners
Current information and a list of counties covered is found at: https://www.fema.gov/national-flood-insurance-program-community-status-book
Please feel free to contact me for any questions or comments: Doug Stephens, franchise owner: SERVPRO of North Shasta, Trinity & Greater Tehama Counties at (530) 222-0200.
This information is provided so property owners do not get blind-sided when receiving the bill from a flood loss. If you are aware of the restrictions involved with FEMA/NFIP claims, you can negotiate or perform some of these services yourself.
October Fire Safety Month and Your Emergency Escape Plan
Using A Fire Extinguisher - Remember P.A.S.S - Pull Aim Squeeze Sweep
Focus on Fire
Fall and winter weather, coupled with seasonal holiday heating, cooking and decorations, typically brings about an increase in residential fire frequency. SERVPRO of North Shasta, Trinity & Greater Tehama Counties fire damage restoration experts realize that people have as little as two minutes to escape a burning home before it's too late to get out. In a matter of moments, a small flame can become a major fire, making it critical to be prepared with an escape plan in place. Once a plan is developed, it is critical everyone in the home understands the plan; the best way to do this is by practicing the escape plan at least twice a year.
Working smoke detectors along with building and practicing a home escape plan increase your chance of surviving a fire. The National Fire Protection Agency (NFPA) promotes steps to help you develop an emergency escape plan. Simply having a plan for your home or business is not enough. Your family and employees must be fully aware of the plan and practice it on a regular basis.
2017 Fire Prevention Week Quiz
Test your knowledge about home fire escape planning and other fire safety topics with this fun, interactive quiz.
Preparation and Practice Are Key.
Fire Prevention Week in October
Draw a map of each level of your home and show all doors and windows. Find two ways to get out of each room. Make sure all doors and windows that lead outside open easily.
Consider escape ladders for sleeping areas on the second and third floors. Only purchase collapsible escape ladders evaluated by a recognized testing laboratory. Store them near the window where they will be used.
Choose an outside meeting place a safe distance from your home where everyone can meet after they've escaped. Make sure to mark the meeting location on your escape plan.
Teach children how to escape on their own in case you cannot help them. Plan for everyone in your home with special considerations for elderly or disabled individuals.
Practice your fire escape plan at night and during the daytime.
Download the complete NFPA ESCAPE PLAN.
Your local SERVPRO of North Shasta, Trinity & Greater Tehama Counties Professionals want you to stay safe and prepare now to ensure an enjoyable Holiday Season. If you do suffer a fire loss we provide fire cleaning and restoration services. Local community members - insurance, commercial and residential - value our fast response, professional technicians, and long history of smoke, soot and fire damage cleanup.
Call us 24/7
365 Days a Year
Disaster Preparedness, Health and Safety Training: Plan to Help Your Neighbor and Community
Plan, Prepare, Educate and Train
September - National Preparedness Month
Plan to Help Your Neighbor and Community
Identify gas, electrical and water shut-off locations. This video shows you how to turn them off in an emergency.
Remember: Because you have stayed alert and prepared You Are The Help Until Help Arrives. Emergencies happen quickly. Because you are the closest to the person with injuries you are in the best position to provide immediate care. A recent study by the National Academies of Science indicated that trauma, for Americans under the age of 46, is the leading cause of death.
Community and Personal Planning Training Here
Almost half of Americans expect to rely on their neighbors after a disaster. Plan today: www.ready.gov/volunteer
Another resource is completing the training through the Federal Emergency Management Agency (FEMA) IS-909: Community Preparedness: Implementing Simple Activities for Everyone
Preparedness is a community effort: A "Neighbors Helping Neighbors" approach. Community leaders facilitate individual education. The first 72 hours after a major disaster is the critical time frame when prepared and educated neighbors come together.
Finally, we at SERVPRO of North Shasta, Trinity & Greater Tehama Counties, want to emphasize the importance of individual Health and Safety Training & Education like first aid and CPR.
The American Red Cross offers an extensive library of training, tips and emergency procedures. American Red Cross - Tips and Training Library
Have a great September and Be Prepared and Safe!
National Preparedness Month - How to Shut Off Utilities During a Disaster
Don't Wait. Communicate. Make a family emergency plan today. September is National Preparedness Month. Learn more at www.ready.gov/September.
September is National Preparedness Month - Utility Shut-Off Tips
We at SERVPRO of North Shasta, Trinity & Greater Tehama Counties want to share some of our professional tips regarding utility shut-off.
You can also check out this preparedness link here.
Disasters such as fires, flooding, earthquakes or power outages can happen without warning. When confronted with a disaster, it’s important to shut off utilities in your home to prevent further damage. Learn how to shut off natural gas, electricity and water supplies in your home before a disaster occurs, and teach your family how to do so as well:
Gas shut-off procedures vary from home to home. Contact your local gas company for information on the safest way to shut off gas supply to your home according to your home’s gas meter configuration.
Once you learn the gas shut-off procedure, practice it with the whole family, but make sure to not actually turn off the gas when practicing.
If you smell gas near a gas pipe or gas-fueled appliance, or if the CO detector goes off, open a window immediately and get everyone out of the house as fast as possible. Turn off the gas supply and call the gas company soon after.
Once you turn off the gas, never attempt to turn it back on yourself. Only a qualified professional must turn your gas supply back on.
After a disaster or if you notice electrical damage in your home, turn off electricity immediately to prevent fires and electrical shocks.
First, locate the main circuit box that’s usually mounted on a wall. In many houses, the circuit box is located in the basement, so make sure to bring a flashlight.
Inside the panel, you will see multiple switches, including the main switch that shuts off all electricity in your home.
For safety purposes, always shut off individual switches before shutting off the main switch.
After a disaster, your water supply may get polluted due to cracked lines, so it’s important to shut it off until authorities say it’s safe to turn the water back on.
Locate the shut-off valve for the main water line of your home, which can be found in one of these areas:
- on a wall near the front of the house
- near the water heater
- in the garage
- buried in the ground outside, near the street, in a covered box
- Label the shut-off valve so you can easily find it in the future.
- Be sure that the valve completely closes when you turn it clockwise. If the valve doesn’t completely close, it may be rusted or damaged. In this case, have it replaced by a qualified technician.
When it comes to your commercial property, we mean business. You need a company that can minimize the disruption to your clients while delivering superior results. Whether you need professional cleaning to make your business shine, or emergency water restoration services, SERVPRO of North Shasta, Trinity & Greater Tehama Counties has the training and expertise to help make it “Like it never even happened."
Call Us 24/7 – (530) 222-0200
September 2017 National Preparedness Month - Make a Plan for Yourself, Family and Friends
September - National Preparedness Month
Disasters don’t plan ahead. You can. Make an emergency plan today.
www.ready.gov/make-a-plan #PlanAhead #NatlPrep
SERVPRO of North Shasta, Trinity and Greater Tehama Counties is committed to supporting your Redding area communities.
1. Make an Emergency Plan.
Download a copy of this outstanding Family Emergency Communication Plan (.pdf)
As you prepare your plan for your specific daily needs and responsibilities. Communicate this list with your personal network, family and friends. Outline details like prescriptions, pets, children, power outage, food and personal paperwork. In what areas do you need assistance?
Different ages of members within your household
Responsibilities for assisting others
Medical needs including prescriptions and equipment
Disabilities or access and functional needs including devices and equipment
Cultural and religious considerations
Pets or service animals
Households with school-aged children
2. Sign up for alerts and warnings in your area.
Find out details of Apps and Emergency Alerts at Apps and Emergency Alerts.
3. Learn your evacuation zone and have an evacuation plan.
Many emergencies may cause a sudden and unexpected evacuation. In some instances you may have a day or two to prepare, while other situations might call for an immediate evacuation. Evacuating quickly and safely with you family safe is the result of planning ahead.
4. Check your insurance coverage and review the Document and Insure Property guide.
Additionally you might want to take a look at
FEMA's National Flood Insurance Program details.
5. Plan financially for the possibility of disaster.
Doug Stephens, Owner of SERVPRO of North Shasta, Trinity & Greater Tehama Counties, says,
"When disaster strikes, you need to be ready to immediately assess the situation and take the first critical steps to protect your employees and property from further damage. The key is having a plan in place before you need it. You can afford to take time now to gather the necessary information and create a recovery plan, but you can't afford that time after a disaster. That's a time for action, not planning."
If you have any questions about emergency preparedness phone anything - (530) 222-0200
Mold Facts: Shasta County Home or Business Cleaning
Mold in the corners home wood and wallboard.
The Mold Cleaning Baseline
Microscopic mold spores naturally occur almost everywhere, both outdoors and indoors. This makes it impossible to remove all mold from a home or business. Therefore, mold remediation reduces the mold spore count back to its natural or baseline level.
SERVPRO of North Shasta, Trinity & Greater Tehama Counties would like you to consider the following mold facts:
- Mold is present almost everywhere, indoors and outdoors.
- Mold spores are microscopic and float along in the air and may enter your home through windows, doors, or AC/heating systems or even hitch a ride indoors on your clothing or a pet.
- Mold spores thrive on moisture. Mold spores can quickly grow into colonies when exposed to water. These colonies may produce allergens and irritants.
- Before mold remediation can begin, any sources of water or moisture must be addressed. Otherwise, the mold may return.
- Mold often produces a strong, musty odor and can lead you to possible mold problem areas.
- Even higher-than-normal indoor humidity can support mold growth. Keep indoor humidity below 45 percent.
If your home or business has a mold problem, SERVPRO of North Shasta, Trinity & Greater Tehama Counties can inspect and assess your property and use our specialized training, equipment, and expertise to remediate your mold infestation.
If You See Signs of Mold, Call Us Today – (530) 222-0200
Water Damage Cleaning: Professional SERVPRO Procedures
Water Damage Emergencies requires SERVPRO professional procedures.
Water restoration services provided by the professional team at SERVPRO of North Shasta, Trinity & Greater Tehama Counties
refer to methods of repairing and restoring damage caused by water. Such damage can be the result of seepage, leaks, dampness, or flooding. The work done by our professionals goes way beyond simply cleaning up. It begins with water removal and ends with ensuring that your home is protected from further damage.
We are available 24/7. Call (530) 222-0200
Meet Our Team
We serve the North State areas of Redding CA, Shasta Lake CA, Red Bluff CA, Corning CA, Los Molinos CA, Willows CA, Orland CA, Dunsmuir CA, Mt. Shasta CA, Yreka CA, Weaverville CA, Fall River Mills CA and Burney CA and surrounding areas for many types of emergency restoration services.
Here’s a brief look at what procedures are involved in our water restoration services:
- Water Removal: The restoration process begins with pumping out excess water.
- Deodorization: Foul odors can be eliminated by applying techniques such as ozone treatment, crystals, dry fogging, and wet fogging. The materials and equipment for these techniques are only available to professional water restoration service companies.
- Mold and Mildew Removal: To achieve long-term results, this procedure must be performed by an expert restoration services provider. Using scientific technology, technicians can kill and remove developing mold and mildew.
- Drying and Dehumidifying: These processes are necessary to remove moisture in the air and on walls, floors etc.
- Content Restoration: This procedure involves cleaning, deodorizing and disinfecting clothing, draperies, furnishings, beds, mattresses, carpets, sofas etc. These items can be successfully restored, but prompt action must be taken because harmful microbes, mildew and mold grow very fast in a damp environment.
- Decontamination: Water restoration services also decontaminate and clean any items that are restorable, and dispose of those that are not.
SERVPRO of North Shasta, Trinity & Greater Tehama Counties will respond quickly to your water damage emergency. 24/7 - (530) 222-0200
The Dos and Dont's of Mold Removal
Even if you are a clean person, that doesn’t guarantee that you won’t have an issue with mold.Unfortunately, mold, like bed bugs, doesn’t care about your level of cleanliness, level of income, or where you went to college. Anyone can have a mold problem in their home or business at any time.
The scary thing is that mold can be growing for quite a while before it becomes noticeable, your professional at SERVPRO of North Shasta, Trinity and Tehama Counties has compiled this handy list of some dos and don’ts you should follow when it comes to mold removal:
24/7 support - (530) 222-0200
- Examine your home or business regularly. Most types of mold share some obvious warning signs. For example, a musty smell in a damp basement usually means there’s mold around. Black, gray, brown, or even white clusters of mold on walls, carpeting or flooring are easy to spot with the naked eye. Be observant about your home and check it regularly for mold.
- Call us 24/7 - (530) 222-0200. A professional can determine which type of mold you might have, where it originates from, and how to safely perform mold removal.
- Try the DIY approach. Because some molds are toxic to pets and humans, it’s not safe to tackle this problem on your own. The money you think you might save by DIY-ing this isn’t worth your health.
- Wait. Mold can grow quickly and can be dangerous. If you suspect a problem, call it in ASAP!
- Make the mold feel welcome. Mold likes the darkness and warm, moist air. Don’t roll out the red carpet with their favorite things! Fix the leaks, install dehumidifiers and don’t ignore the warning signs of more mold growth.
For more mold dos and don’ts, contact our trusted mold removal professionals at SERVPRO North Shasta, Trinity & Greater Tehama Counties today.
Meet Our Team