Recent Posts

Your Quick Reference Guide on Water Damage

10/12/2020 (Permalink)

Ceiling water damage Water damage can result from unattended roof leaks, broken water lines, and sewer backups.

Water Damage: Your Quick Reference Guide 

Water damage is a serious property issue that homeowners should be fully conscious of, by getting basic information about water damage and how to quickly eliminate it. With the proper information, you can help ensure that your residential property remains in excellent condition. To obtain this basic information, refer to the quick reference guide found below: 

Where Does Water Damage Come From?

Water damage is a hazard that can result from many sources. First, water damage can arise as a result of natural disasters like hurricanes, floods, tornadoes, fires, etc. Additionally, water damage can result from unattended roof leaks, broken water lines, and sewer backups. Additionally, water damage can result from flooding that generates rising waters which could put your property underwater for several hours. In the event that the water contains any sewage, you and your loved ones could be exposed to several health hazards. 

Structural and Property Damages

One of the property challenges that results from water damage is structural issues. When your ceilings, walls, and floors are exposed to water, the structure of your property can become weak. Additionally, water has the ability to damage several of the structural elements on your property. These damages can cost you thousands of dollars in repairs. 

Mold Growth

According to the Environmental Protection Agency (EPA), cleaning and drying your property within 24 to 48 hours of water damage is necessary for the prevention of mold growth. However, it's important to know that while you can start these processes to help eliminate or prevent mold, the fungus can grow in places you can't see. Some of these places include along ceilings and baseboards, underneath wallpaper, and behind the drywall. 

The Health Hazards Of Mold Exposure

Removing mold from your property as quickly and efficiently as possible is critical for the prevention of health hazards. Individuals who are repeatedly exposed to mold can suffer health effects. Because the cleanup process can result in mold exposure, the Centers for Disease Control and Prevention (CDC) instruct individuals to wear an N-95 breathing mask during the procedure. Using eye protection and gloves is also advised. 

Let SERVPRO Assist You Now!

 If you find that your residential property has been exposed to water damage, time is of the essence. By contacting a trained team of water remediation specialists immediately, you can salvage goods, protect the structural integrity of your property, and prevent your loved ones from exposure to mold. The company to call for effective, expedient remediation services is SERVPRO. We have over 1,650 franchises and more than 50 years of experience in this dynamic sector. Our IICRC-certified technicians work with unprecedented dedication and diligence to get your property back in incredible condition, so contact us immediately to get the detailed care you need and deserve! 

Locally Owned Company with National Resources

As a locally owned and operated business, SERVPRO of Hazel Park is strategically located to respond quickly to your flood and water emergency event. When water damage occurs in Detroit, Hazel Park, Madison Heights, Warren, or Royal Oak, we have the resources and personnel to help. Call us today! (248) 556-4200

Fire and Water Damage Restoration

10/12/2020 (Permalink)

SERVPRO of Hazel Park - SERVPRO logo in the rain SERVPRO of Hazel Park is available 24 hours a day and 365 days a year. Our professionals are prepared for the unpredictable.

Fire and Water Damage Restoration

With a heart attack, time is muscle. With fire and water damage, time is home. The more time you lose, the more of your house you will lose. Fire and water damage restoration is a process that must be undertaken immediately to salvage what can be salvaged. And because battling fire requires dousing the flames with water, often you're forced to address both issues at the same time. Rightfully so, firefighters aren't concerned with hardwood flooring or upholstered furniture when fighting a house fire. If your home has suffered fire or water damage, here are a few steps to take so you can get your home back into shape as soon as possible.

Safety First
Both fire and water can cause significant structural damage to your home. Be sure to look for structural damage to walls, roofs, stairs, ceilings, and floors before you re-enter your home, much less begin to assess personal property loss. It's just not worth it. Beware that water damage is often less obvious than fire damage, so be especially careful when re-entering your home. Damage to electrical wiring is another huge concern and, in the case of a natural disaster, even the water coming out of your tap may be contaminated. In all cases, it's best to play it safe and hire a fire and water damage restoration company to assess and approve the structural integrity of your home before you return.

Fire Damage Restoration
Anytime your home suffers a fire of any magnitude, you're in for a big cleanup. The areas directly affected will most likely have to be remodeled and restored to ensure their structural stability. Beyond that, smoke and fire residue present health risks (mostly respiratory), and the smell of a fire can be almost impossible to get rid of. In all cases, clean everything thoroughly to begin with. Use a HEPA vacuum to ensure you capture all small particulates of soot, debris and fire extinguisher residue. After that, be sure to remove all other larger debris from your home. Ventilation is also an important step. Open all windows, and use fans to ventilate the affected rooms to help get rid of the smell. Be sure to clean first, however, as using fans around dust, soot and other fine dusts can cause respiratory distress. Finally, call in a fire and water damage restoration company to do the real dirty work. They have equipment and procedures at the ready that no average homeowner has access to.

Water Damage Restoration
With water damage, the primary concern is drying out your home as soon as possible. Once you've had the structural integrity of your home assessed and approved, do whatever you can to get the moisture out. Vacuum out any standing water with all-purpose vacuums, set up dehumidifiers in the affected rooms, and set up as many fans as possible to speed up the drying out process. Failure to do so can lead to mold, fungus, and mildew problems, all of which will require a major mold remediation project to eliminate the problem. If your home has incurred substantial water damage, be sure to hire a fire and water damage restoration company to come in and tackle the job. Just as with fire damage, the professional have commercial-grade solutions at their disposal, including freezer, cryogenic, vacuum freeze, and vacuum thermal drying techniques to get things back to normal as soon as possible.

Insurance Companies and Water and Fire Damage Restoration
Most homeowners have homeowners' insurance that covers most water and fire damage. Yet, as most people know and too many have experienced, you're better off believing a poker player than a claims adjuster. It's never a bad idea to hire a water and fire damage restoration company to complete an independent assessment and cost estimate. Hopefully, you won't need it, but if legal action becomes necessary, it's a handy document to have in your corner. Alternately, you may find your independent cost assessment comes in underneath the insurance company's. Or, you may find you don't want to return your home to its original condition, lopping off a damaged section or using the disaster as an excuse to complete a home addition. Again, there is no downside in talking to a water and fire damage restoration company, just don't wait until it's too late!

Locally Owned Company with National Resources
As a locally owned and operated business, SERVPRO of Hazel Park is strategically located to respond quickly to your storm, flood, water, or fire emergency event. When an emergency occurs in Hazel Park, Warren, Madison Heights or Detroit, we have the resources and personnel to help. Call us today! (248) 556-4200

Why You Should Call SERVPRO of Hazel Park for Sewage Cleanup

10/15/2019 (Permalink)

Pictured here a sewage backup in a business Pictured here a sewage backup in a business. Make sure you call SERVPRO of Hazel Park for any residential or commercial sewage backup you may have.

The Dangers of DIY Sewage Cleanup

If you’re like most homeowners, when faced with a task or question you probably head to the internet for answers…that’s how you found this article! And if you’re dealing with backed-up sewage, it only takes a few seconds of searching to find hundreds of articles describing how to clean-up sewage.

It goes like this:

** Put on some rubber gloves

** Scoop out the waste

** Take some water and bleach solution and apply it to the affected areas

** Let it dry

Most articles will throw out a warning saying “if you’re not sure whether you can do it, or don’t have the proper equipment, it is best to call a professional”. That’s where you would call SERVPRO of Grosse Pointe.

We’d like to throw out another warning!

Cleaning up raw sewage on your own is something you should never do! 
Here’s why:

#1 – It can be hidden. – Any SERVPRO of Hazel Park crew member can tell you stories about customers that decided to clean-up their own feces only to call in weeks or months later complaining about smells and disfigured walls, cabinets, and floors. Sewage will find its way into any and all porous surfaces. Even things like drywall and cabinetry aren’t safe. And it’s not as simple as just spotting the sewage with your eyes. It requires state of the art equipment, which SERVPRO of Hazel Park has, to identify areas that have been damaged by sewage. So unless you have an infrared detection system handy and know how to use it, call SERVPRO of Hazel Park.

#2 – It can be costly. – Times are difficult for everyone and money is tight. It’s easy to justify doing it yourself instead of paying to have SERVPRO of Hazel Park clean and disinfect for you. But today’s shortcut is tomorrow’s nightmare! Again, you’re dealing with a toxic situation that if not handled properly can create very real health dangers for you and your family. Not only that, if not properly mitigated, you could be looking at a serious mold issue in the not so distant future on top of all of the other issues described above. And if you think sewage cleanup is costly, wait until you’re stuck with a bill for mold remediation services! At least your sewage clean-up is covered by insurance…that’s not typically the case if you’ve got mold and it’s the result of you not taking appropriate measures when dealing with the sewage issue that created the mold!


So, if you’ve stumbled upon this article due to a sewage back-up that’s spilled into your home or office, do yourself a favor and call us, SERVPRO of Hazel Park. Our technicians are certified to perform raw sewage cleanup and can provide you with peace of mind knowing the area affected is professionally cleaned.

Locally Owned Company with National Storm Resources

As a locally owned and operated business, SERVPRO of Hazel Park is strategically located to respond quickly to your water or flood damage event. When a major storm or flood event occurs, we can call upon our national network of over 1,650 SERVPRO Franchises and special Disaster Recovery Teams if we need additional resources or personnel. Flood and storm damage require specialized equipment and restoration techniques. We can respond immediately to storm and flood conditions. When a disaster occurs in Detroit, Hazel Park, Royal Oak, Madison Heights, or Warren, we are here to help. Call us today, (248) 556-4200!

How To Handle Property Damage From A Commercial Fire

10/15/2019 (Permalink)

When fires damage property, a plethora of environmental and health risks can surface. Business owners should have preventive measures in place that will limit the likelihood of fire damage.

Unfortunately, no business owner is immune from Commercial Fire Damage. When fires damage property, a plethora of environmental and health risks can surface. However, knowing how to handle property damage that results from a commercial fire can help business owners restore their property. Learn more about commercial fires and how you can limit their adverse effect on your property by reviewing the following information:


Commercial Fires: A Brief Overview
When a business's property is subjected to fire damage, recovery can be challenging. Fire threats can come from a plethora of places, including an electrical fire, lightning strike, or an adjoining business. When a commercial fire occurs, the damage can be significant. In some cases, the company cannot continue functioning after the fire. In most cases, this is because the business did not have the proper insurance. Businesses that did maintain business interruption insurance will usually find it much easier to recover from the loss. Because every commercial building is susceptible to fire, it is prudent for commercial business owners to purchase insurance. Business owners must also have preventive measures in place that will limit the likelihood of fire damage. Some of those measures should include:


- Avoiding the storage of flammable materials
- Ensuring that smoke alarms are working properly
- Creating and practicing a fire evacuation plan
- Making sure appliances and machinery are turned off when not being used
- Keeping machinery in working order
- Making sure your backup drives and paperwork are in a safe location


Although taking these precautions can decrease the likelihood of fire damage, it's important to know that no business is entirely immune. Since this is the case, it's important that you develop good working relationships with a commercial insurance attorney as well as an experienced lawyer. These individuals will be able to assist you in the event that a fire takes place.


Conclusion
While a Commercial fire can have an adverse impact on your business, taking, preventive steps can help you avoid unwanted property damage and business-related complications that deplete your finances and productivity. In the event that a commercial fire transpires on your business property, it's important that you gain access to high-quality restoration services. As a remediation company that consistently works with excellence and expediency, you can count on the SERVPRO of Hazel Park professionals to get the job done fast and well. Contact us today to obtain an information-packed consultation!

Locally Owned Company with National Storm Resources

As a locally owned and operated business, SERVPRO of Hazel Park is strategically located to respond quickly to your water or flood damage event. When a major storm or flood event occurs, we can call upon our national network of over 1,650 SERVPRO Franchises and special Disaster Recovery Teams if we need additional resources or personnel. Flood and storm damage require specialized equipment and restoration techniques. We can respond immediately to storm and flood conditions. When a disaster occurs in Detroit, Hazel Park, Royal Oak, Madison Heights, or Warren, we are here to help. Call us today, (248) 556-4200!

Disaster Restoration: A Brief Overview

8/21/2019 (Permalink)

Disaster Restoration: A Brief Overview

Unfortunately, disasters can happen quickly and without warning. In the face of a catastrophe, many homeowners find themselves overwhelmed with the reality of putting a restoration plan in effect. In many cases, homeowners attempt to handle these processes on their own. However, it is always prudent to seek out professional assistance when you're ready to begin the remediation process. Learn more about the disaster restoration process and why seeking remediation services from a team of trained professionals is advantageous by reviewing the following outline:


Disaster Restoration: A Brief Overview
While some people believe disaster restoration is as easy as picking damaged items off the ground and putting them back in their place, the process is not so simple. In fact, disaster restoration is a complex process that requires safety precautions, technical expertise, and patience. It also necessitates that one understand how professionals safely sanitize dangerous regions of the house, so they no longer pose health risks or safety issues to house residents. To restore a home following a disaster, experts are able to identify hazards and use safety gear efficiently. Additionally, you must be able to determine which personal possessions are salvageable and which are not.


Following a fire, your air may remain contaminated with carbon monoxide for a few hours or even several days. If you attempt to reenter your home while these dangerous toxins are present, you could risk damage to your respiratory system and lungs. This is one reason why hiring a team of professional remediation specialists is important. These individuals have the proper breathing apparatuses and safety gear necessary to effectively remove and dispose of unstable surfaces and hazardous materials.


Disaster Restoration And Water Issues
Floods and fires involve water and can thereby precipitate the onset of damage from toxic mold. The regions of the home that have been impacted by water or water damage need to dry uncovered to prevent the accumulation of mold. Standing water will also need to be removed to prevent mold and insect growth.


Conclusion 
Although you may be tempted to handle the disaster restoration process yourself, doing so can pose many health risks and safety issues. Instead of taking these risks, call a team of professional restoration experts who possess the knowledge and experience necessary to get the job done fast and well. The best company to call is SERVPRO of Hazel Park. In addition to being licensed by The Institute of Inspection, Cleaning and Restoration Certification, SERVPRO of Hazel Park professionals are passionate about offering excellent customer service and expediting the remediation process. Call us today, (248) 556-4200, so we can expedite and optimize your disaster restoration process!

Locally Owned Company with National Storm Resources

As a locally owned and operated business, SERVPRO of Hazel Park is strategically located to respond quickly to your water or flood damage event. When a major storm or flood event occurs, we can call upon our national network of over 1,650 SERVPRO Franchises and special Disaster Recovery Teams if we need additional resources or personnel. Flood and storm damage require specialized equipment and restoration techniques. We can respond immediately to storm and flood conditions. When a disaster occurs in Detroit, Hazel Park, Royal Oak, Madison Heights, or Warren, we are here to help. Call us today, (248) 556-4200!

Reasons Why a Timely Water Damage Restoration Service Is Important for a Commercial Building

8/15/2019 (Permalink)

Don't let unwanted water close your business

SERVPRO Can Quickly Restore Your Water Damaged Business

There's nothing quite as difficult for a commercial establishment as dealing with water damage. However, knowing what to do when disaster strikes can prevent you from experiencing unnecessary emotional upsets for yourself, your employees, and your customers and mitigate the economic strain of lost business. There are many steps you'll need to take to get your commercial property back in order following a water damaging event. Contacting a team of skilled water damage restoration experts from SERVPRO is a good first step.

Quick Water Removal Mitigates Monetary Loss 

The longer excess water remains on your commercial property, the more likely you are to suffer from costly water damage repairs to structural properties like ceiling tiles, insulation, drywall, and flooring. Then there is the concern of water damage to your capital investments: inventory, furniture, carpeting, electronic equipment and paper documents. Having a team of skilled water damage restoration experts like SERVPRO to begin immediately removing standing water can prevent you from spending unnecessary money on repairs.

Quick Remediation Prevents Secondary Water Damage.

Another benefit of a quick reaction to the pressing problem of water intrusion is that fast extraction helps prevent secondary water damage. Unfortunately, water damage creates a moist, wet environment within your business. Moisture and high humidity offer mold an opportunity to grow and spread throughout structural materials and wood furniture and fabrics. If your business deals with food distribution, high inventory loss may be a costly negative effect. For this reason, it's critically important to have standing water removed as quickly as possible. SERVPRO can arrive, usually in about one hour, with water removal equipment to meet any problem. 

Fast Restoration Helps You Get Back In Business

If the water intrusion, by way of a storm, flood, leak, or the aftermath of fire extinguishing causes severe water damage to your commercial business, you may have to relocate temporarily while water damage restoration work is being completed. Closed doors affect customer traffic, employee earnings, and your bottom line.  Insurance companies normally work hand-in-hand with SERVPRO to come to a working agreement allowing the water extraction process to commence immediately. 

Contact SERVPRO Today

If your commercial property has been subjected to water damage, getting fast, effective water damage restoration services is a must. Here at SERVPRO, we specialize in optimizing and expediting each component of the restoration process to ensure that you can get your business back in business. Moreover, each of our IICRC-Certified technicians will provide you with the personable care and excellent customer service that keeps you in the loop throughout the water damage restoration process. We can quickly reopen your doors like it never even happened.

Commercial Building Restoration Services

SERVPRO of Hazel Park responds quickly to a water or fire, or mold damage emergency, 24 hours a day. Whether the damage occurs in a small business building in Hazel Park, or a big box store, we have the training, experience, and equipment to handle the situation. Our national network of 1,650 Franchises gives us access to personnel and resources. Call us for assistance. (248) 556-4200

Is your Hazel Park Home Prepared for Storm Damage?

8/15/2019 (Permalink)

Severe Weather Ready

There is a time of the year when tornadoes are more prominent than others. That time is often during the spring and summer, possibly in the fall as well. Many people don't have a plan for severe weather that includes tornadoes. With a little careful planning, your family can have an increased chance of staying safe during a storm.

Make A Plan For The Family
Although you need to create a plan, there is something more important that you need to do with your family. You need to practice your plan so that everyone knows where to go no matter what time of the day or night severe weather strikes. Write down all of the important phone numbers of family and friends so that you can stay in contact with them after the storm to ensure that they are safe. Another important number to have is your insurance adjuster. This number is beneficial if there is damage to the home. Companies like SERVPRO of Hazel Park can come to the home to help with water removal and other storm damage that occurs inside the house.

Keep copies of all of your important documents, such as social security cards and birth certificates. You also need to have a way to communicate with others in the event there is no power or phone service. If there is a large group of people in the disaster area, each person needs to know how to contact others. Designate a leader and an assistant to check with others in the area to make sure everyone is accounted for after the storm.

An emergency preparedness kit is something to have so that your family can survive if there is no power or if the family is stuck in the home because of damages from the storm. Items in the kit should last for about 72 hours. Batteries are essential so that you can use your phone, radio or a battery-powered television. You also need flashlights, a gallon of water for each person for at least three days and non-perishable foods. Other items that you might want to include in your kit are blankets, powdered formula for babies, a first aid kit, and clothing. It's also a good idea to have a spare cell phone charger.

Before a storm arrives, if possible, secure items that might blow away. These include chairs and toys that are in the yard. When you are prepared for a natural disaster and the storm damage that could take place, it can help give your family a peace of mind so that they can focus on remaining safe and together. 

Locally Owned Company with National Storm Resources

SERVPRO of Hazel Park is locally owned and operated—so we live and work here too, and are proud to be part of the Grosse Pointe community. We are also part of a national network of 1,650 with special Disaster Recover Teams that can respond with additional resources during catastrophic storms. Call us, we are here to help, 248-556-4200.

3 Reasons to Hire a Professional Fire Restoration Company Like SERVPRO

8/7/2019 (Permalink)

"Residential” is the leading property type for fire deaths (73.2%), fire injuries (76.5%) and fire dollar loss (54.7%).

Reasons To Hire Professionals Like SERVPRO of Hazel Park After A Residential Fire

Three Reasons You Should Hire Professionals like SERVPRO of Hazel Park, a Fire Restoration Company

When a fire strikes in the home or office setting, people tend to grow anxious. In addition to generating substantive economic losses, a fire can upset your daily schedule and do substantive damage to your property. However, hiring a team of trained fire restoration experts can help you recover your property, maintain your sanity, and limit economic losses. Here are just three of numerous reasons that hiring a professional fire restoration company is a good idea:

 Stress Relief

Fires can cause a great amount of stress, including that homeowners and commercial business leaders will have to work with an insurance company to file a claim and attain coverage. This is just one of the many processes that property owners will have to complete to get their home or office back in order. When you call a fire restoration company, you can relieve a great deal of stress as you gain confidence that your property is being cleaned and dried by a team of knowledgeable professionals.

 Proper Tools And Training

 Another reason that hiring a professional fire restoration company is a good idea pertains to the fact that they have the tools and training necessary to get the job done quickly and correctly. Fire restoration specialists use specialized equipment such as air movers and dehumidifiers to get your property dried quickly. This step is important because excess water left in your home or office can weaken its structural integrity. Additionally, the restoration company's ability to dry the property quickly precludes you from being subjected to an unwanted mold invasion.

 Thorough, Detailed Work

 One final benefit of hiring a professional restoration company is that you will attain thorough, detailed work. Industry professionals are very familiar with the specific damages left by fires, and this is why they can offer the detail-oriented services necessary to reverse and eliminate much of the damage. From thoroughly removing soot and smoke to providing painstaking content restoration assistance, you can be confident that the remediation contractors will leave no stone unturned.

 Getting your home or office back in good shape following a fire can be stressful. However, calling the professional fire restoration specialists of SERVPRO can alleviate stress and ensure that your property is restored quickly and correctly. Our IICRC-certified professionals can provide you with the thorough, detailed work that you need and deserve, and we're ready to get started now.

Locally Owned Company with National Resources

 As a locally owned and operated business, SERVPRO of Hazel Park is strategically located to respond quickly to your flood and water emergency event. When fire damage occurs in Hazel Park, Warren, Royal Oak, or Madison Heights, we have the resources and personnel to help. Call us today! (248) 556-4200

Routine Home Maintenance: What To Do After You Move In

8/7/2019 (Permalink)

Routine Home Maintenance: What To Do After You Move In. Complete these tasks after you move into your new home.

Routine Home Maintenance: What To Do After You Move In

Complete these tasks after you move into your new home.

Written by Master Builders Association

So, you’ve just moved into your brand new home. You shopped around and did a lot of research to find the home that was just right for you. You signed a big pile of documents at closing, the moving trucks have left, all the boxes are unpacked, and all your belongings are in their proper places. What should you do now?

  1. Change your filters

One of the most important things to remember is that you are responsible for certain routine maintenance items to keep your house functioning properly. These tasks tend to be relatively simple. For instance, many types of heating and air conditioning systems contain filters to remove dirt and dust from the air. A homeowner should change these filters when necessary.

  1. Get rid of dust and dirt

Cleanliness is a factor that will make your home last longer and work better. Dust and dirt, if allowed to accumulate, can harm the finishes on blinds, cabinets, countertops, floors, sinks, tubs, toilets, walls, tiles and other items. If dirt does accumulate, make sure to clean it with a substance that does not scratch or damage the finishes.

  1. Check your exterior

On the outside of your home, make sure that gutters and downspouts do not get clogged with leaves or other objects. The exterior of your house is built to withstand exposure to the elements, but a periodic cleaning will improve the appearance and, in many instances, prolong the life of siding and other exterior products.

  1. Read your warranty

When you bought your home, you probably received a warranty from the builder on workmanship and materials. This warranty applies to problems related to the construction of the home, but it does not apply to problems that arise because of failure to perform routine maintenance. For example, if your roof begins to leak after six months because of faulty workmanship, your warranty would cover that. If you develop a problem because water backed up in clogged gutters that you should have cleaned, the builder is not responsible for repairs. Also, some items, such as appliances, may be covered by manufacturer’s warranties and are not the responsibility of the builder.

You should fully familiarize yourself with the terms of your warranty soon after you move into your home. With all the excitement surrounding a move into a new home, most people have little desire to curl up in front of the fireplace and read a legal document. Nonetheless, you should not wait to read your warranty until a problem arises. Set aside an hour to learn what your rights and responsibilities are from the outset.

Locally Owned Company with National Resources

As a locally owned and operated business, SERVPRO of Hazel Park is strategically located to respond quickly to your storm, flood, water, or fire emergency event. When an emergency occurs in Hazel Park, Warren, Madison Heights or Detroit, we have the resources and personnel to help. Call us today! (248) 556-4200.

Information Provided by: http://porch.com/advice/routine-home-maintenance-what-to-do-after-you-move-in/

How to Avoid Pricey Homeowners Insurance Claims

8/7/2019 (Permalink)

In this article, learn tips to avoid making a pricey homeowners insurance claim.

How to Avoid Pricey Homeowners Insurance Claims

You don't need to be a pro to be proactive

Sure, that spring breeze wafting through the open windows is nice (unless you have allergies), but wind has a nasty side, too: Wind damage is responsible for about one in four homeowners’ claims, according to Travelers Insurance, making it the most common reason to file.

But wind is far from the only reason homeowners file insurance claims. Travelers tallied up the most frequent—and most expensive—offenders, and the resulting list is surprisingly diverse.

In general, weather-related damage makes up just over 50% of claims. The costliest damage, though, comes from fire, which accounted for almost a quarter of total claim costs. Water damage not related to weather—say your upstairs neighbor’s bathtub overflows, or your hot water heater springs a leak and floods your basement—is responsible for about one in five claims, more than is attributable to weather-related water damage.

While emergencies can strike without warning, insurance experts say there are a number of things homeowners can do to mitigate the risk of damage caused by different events.

Wind Damage

“When houses are exposed to high winds, roofs are most susceptible to damage, followed by walls and openings such as skylights,” said Scott Humphrey, a risk control expert at Travelers Insurance.

Given the prevalence of wind-related damage, your vigilance about the stability of your roof should begin as soon as you buy a home. “Don’t assume that your home inspector will do or did a roof inspection,” said Trulia.com spokeswoman Daisy Kong. Call a professional roofer, who will be able to tell you if your roof has any structural, insulation, or drainage issues.

Look around your property to see what could possibly land on the roof (or your car or your pool while you’re at it). “Falling trees and tree limbs are among the leading causes of wind damage to home exteriors,” said Robert Hartwig, president and economist at the Insurance Information Institute. “Make sure that trees are properly trimmed and that dead trees are removed,” he said—and that goes for any of your neighbors’ trees that hang over your property, too.

If strong winds are in the forecast, bring in your patio furniture and the kids’ toys, Hartwig said—they can easily become projectiles— and if you live in an area that’s prone to hurricanes, you might want to consider investing in storm shutters or tie-down apparatus.

Water Damage

Even if you’re not in a flood zone, a water main break or a nearby flooded body of water could mean water in your house. Mitigate this by being proactive and looking to see which way your yard slopes. “It’s not difficult to have the dirt and grass regraded so it slopes gently away from the house toward the yard instead of into the house,” Kong said. “This can help prevent a flooded basement or first floor of a home.”

There are several upkeep and maintenance items you can check on your own to prevent water damage. Make sure the caulking around bathroom fixtures is intact, check for cracks or wear in washing machine hoses, and watch for leaking valves or flappers in toilets. And make sure you know where the main shut-off valve for your home’s water supply is located, Humphrey advised.

Outdoors, he said, “clear debris from exterior drains and gutters and repair damaged gutters and downspouts” to assure that water can drain safely away from the foundation. Examine the caulking and seals around windows to see if they are tight and not weathered or cracked.

Avoid a flood caused by bursting pipes by taking action before freezing weather sets in. Insulate pipes that are potentially exposed to prolonged cold, and if you’re going away during the winter, don’t turn your heat off entirely. The money you’re looking to save off your energy bill won’t be worth it if you come home to a flooded house.

Fire Damage

Many fires are caused by faulty or damaged wiring. “Checking the wiring is important whether the home is old, recently renovated, or is newly built,” Kong said. You’ll need to hire an electrician to do this, but a step you can take on your own is to check the wires outside your house for signs of damage caused by animals. “Mice and other rodents often chew on electrical insulation.”

In the kitchen, keep the area around your range and oven clean. “Built up food splatter or grease can later ignite when the stove or oven is turned on,” Humphrey warned. In the laundry room, keep dryer vents and lint filters free of build-up that could ignite.

Locally Owned Company with National Resources

As a locally owned and operated business, SERVPRO of Hazel Park is strategically located to respond quickly to your water damage emergency. When water damage occurs in Hazel Park, Warren, Madison Heights, or Detroit, we have the resources and personnel to help get your home or business back together. Call us today! (248) 556-4200

**From: http://time.com/money/4291638/avoid-pricey-homeowners-insurance-claims-claims/