Insurance Coverage for Spring and Summer Storm Damage to your Milwaukee Home
Understanding your property insurance can help protect you in the event your home sustains damage from a storm.
Spring and Summer weather in the Midwest is welcomed with open arms each year. It can, however, bring storms that could cause a wide variety of damage to your home. Fortunately, much of this damage is covered by your homeowner’s insurance. This insurance protection depends on what type of damage was caused and what caused it.
Here are a few common events that are often covered on a standard home policy:
Wind almost always damages the weakest areas of a home. After a storm, indications of damage would include:
- Shingles in the yard
- Creased or broken shingles from wind
- Loose or missing siding and trim on your home
- Loose or broken downspouts and gutters
If hail causes damage to the exterior of your home, your dwelling coverage helps cover the cost to repair or replace the damage.
However, your home’s detached structures, such as a fence, garage, gazebo or swimming pool, may only have limited coverage from your base policy. In order to properly protect them from hail damage, you may want to consider adding coverage for your detached structures.
Lightning can cause serious damage to your home, including fire and damage to your electronic devices. Fortunately, your home insurance covers lightning-damaged electronics and other personal property, and your dwelling coverage protects the structure of your home if lightning causes a fire.
Here are a few coverages that can be added for extra protection:
Floods are a natural disaster that aren’t covered by your homeowners policy, but many companies offer flood insurance from the National Flood Insurance Program. If you live in a flood-prone area or just want peace of mind, consider purchasing flood insurance to protect your home and personal property.
Roof Replacement Cost Coverage
Your home insurance is designed to help cover the replacement of your roof if it’s damaged by a covered loss. But the amount you’ll receive for your damaged roof depends on if you have actual cash value (ACV) or replacement cost value (RCV). Having roof replacement cost value coverage means you’re covered for what it’d cost to replace your roof today without worrying about depreciation.
Matching Siding Coverage
Homeowner’s insurance replaces siding damage from specific types of losses, like damage from wind. However, it only covers the parts of your home that are damaged. By adding matching siding coverage, you’ll be covered for a higher amount to compensate for replacing additional siding to match.
Sump Pump Coverage
Your sump pump is designed to remove excess water that accumulates around your home’s foundation. If the system ever fails or the power goes out, water overflow may occur. And you're typically not covered for this type of damage with your homeowners insurance. Having water backup and sump pump overflow coverage gives you that important layer of protection that is so important during these Lake County spring and summer rains.
In the event you do suffer damage from a storm, please do not hesitate to call SERVPRO of Milwaukee North at 414-354-7566 for your restoration or repair concerns. We are here to help 24/7/365.
Preparing your Northern Milwaukee Home for a Spring Storm
Spring weather can be unpredictable. It is important to prepare in advance for the ever changing Midwest weather.
Spring has officially arrived. Warmer days have begun, and spring foliage is popping up all around us. The beauty of spring brings along with it the probability of strong storms. With a little forward thinking, you’ll be prepared to protect your home. Check out these tips for some ideas to be ready for whatever happens.
Sign up for weather text alerts
The Federal Emergency Management Agency (FEMA) sends text messages to keep you updated on emergency situations. However, long before anything gets that severe, your local government, weather channel, radio stations and power companies have similar services that let you know what’s happening in your region. The more information you get, the easier it is to plan and prepare.
You can also download the FEMA app to your smartphone, which gets you real-time National Weather Service alerts. You’ll also have access to important emergency safety tips for over 20 types of disasters.
Evaluate your home’s exterior
Your home is designed to shelter you from the weather. To keep it in tip-top condition, do regular walk-arounds and inspect for issues. Keep an eye out for the following things:
- Loose shingles
- Loose siding
- Tree branches extending over your house or driveway
- All unattached structures like sheds or gazebos should be bolted securely to their foundation
- Loose patio furniture that should be secured
- Loose gutters and missing/detached downspouts
- If you have shutters, make sure they’re secure and clear of debris
- Check to see if your fence needs repair
Check your sump pump
As the saying goes, “April showers bring May flowers.” And with all that rain, your risk of flooding increases. If you have a sump pump, it’s a great idea to run through an annual sump pump maintenance list.
You’ll want to clear all debris so it doesn’t impede function and ensure your back-up is in working order. With added sump pump failure and water backup coverage on your homeowner’s insurance policy, you’ll have better protection that can bring real peace of mind when the rain starts to fall.
Weather can be unpredictable, but you can still prepare for the unexpected. Talk with your local insurance agent to review your homeowner’s coverage, and call SERVPRO of MIlwaukee North in the event your home sustains damage. We are available to take your call 24/7/365 at 414-354-7566.
Commercial Cleaning in Milwaukee, WI
SERVPROXIDE® is a powerful disinfectant that is both EPA registered and safe for the environment.
SERVPRO of Milwaukee North is committed to providing our commercial partners and communities with resources on how to clean and disinfect spaces and reduce risk to human health. Our trained professionals are prepared with products to reduce health risks in your business or home.
RESIDENTIAL, COMMERCIAL & HOSPITAL DISINFECTANT
- Kills harmful bacteria on hard and soft surfaces
- Removes mold and mildew & keeps it from growing for up to 4 weeks
- Sanitizes hard and soft surfaces with a 100% biodegradable surfactant
- No rinse required for food contact surfaces (D-2)
- Kills mold and mildew at its roots
- 99.999% Sanitization of food contact surfaces
- 7 in 1 cleaner technology
- Disinfects as it cleans
AREAS OF USE INCLUDE: homes, vehicles, schools, daycares, gyms, locker rooms, sports gear, hospitals, senior living and assisted care facilities, laundry rooms, veterinary, ambulances, laboratories, restaurants, boats, ships, federally inspected building, egg processing premises, refrigerated storage units, HVAC, and AC systems
Call SERVPRO of Milwaukee North today for assistance at 414-354-7566.
Commercial Duct Cleaning in Northern Milwaukee
Call SERVPRO of Milwaukee North today to schedule your spring duct cleaning!
Did you know that your ventilation system determines your indoor air quality? Dirty ducts can circulate contaminates such as mold or irritating dust as well as unwanted odors throughout your home or business. SERVPRO of Milwaukee North provides a professional service to inspect and clean your heating, ventilation, and air conditioning unit (HVAC).
How does the SERVPRO Duct Cleaning System work?
- First, our patented equipment automatically adapts to the duct’s shape and diameter while traveling through the duct, removing debris and filth prior to beginning vacuuming.
- Next, is a powerful push-pull air delivery and collection system that will transfer the debris from the duct to a 16-gallon container.
- Air is filtered through a HEPA filtration system, removing 99.97 percent of the particles in the airstream. These HEPA filters capture debris and keep the indoor environment clean.
- Part of an optional process, a sealant or coating may be sprayed to address odor or microbial concerns.
- In addition, filters will need to be cleaned or replaced to remove odor and dirt.
For more information or to schedule a residential or commercial duct cleaning appointment, contact SERVPRO of Milwaukee North at 414-354-7566.
How Thawing Snow and Ice Can Create Water Damage in Your Milwaukee Home
Ice Dams and Water Damage Restoration for Your South East Wisconsin Home
Snow covered roofs in the Milwaukee & surrounding areas can form ice dams as they melt and refreeze this winter. With the warmups that have occurred, water damage is a concern for many homes. Ice dams can cause water to back up and go under the shingles and into your home, causing damage to your drywall and ceilings. In these situations, prevention is critical to avoid costly repairs.
If your Milwaukee area home has already experienced water damage due to ice dams, you need the immediate help of our professional staff at SERVPRO. We are an experienced remediation company who can dry your home out and repair the damages that the ice dams have caused. The faster you pick up the phone and contact us the better, as the water leak continues to harm your home until it stops.
In a case like this, you’ll likely have hidden water damage inside your walls and ceiling. Therefore, SERVPRO techs use special moisture sensors that can detect the hidden leaks, which allows us to restore your home thoroughly. If we did not do this and any water is left behind, it causes mold growth, making a big problem even more significant. Once we find where all the issues are, we can begin drying and restoring your home. Industrial fans and dehumidifiers help to dry your structure and the air and remove all the excess moisture.
To prevent ice dams in the first place, begin by keeping your gutters clear of debris and leaves. Check and seal any areas that can allow warm air to leak from your home to the attic such as chimneys, exhaust fans, vent pipes, light fixtures, and attic hatches. You should also get your attic and roof inspected for insulation and proper ventilation. Inadequate signs of ventilation include rusty nails, rust spots, or mildew smell.
Do not let snow accumulate on the lower three to six feet of your roof. For extra protection, you can install ice and snow slides to stop the ice and snow from bonding to the lower portion of your roof. Installing rubberized water and ice shields under the roof shingles for the first three to six feet, and heating cables along the eaves help to melt any ice.
If your home in the Milwaukee area has been the victim of ice dams creating water damage inside, SERVPRO of Milwaukee North can help whenever you need us. Give us a call at (262)250-1101 as soon as you realize there is an issue so we can take care of everything for you and prevent further damage.
Potential Hazards of a Winter Storm
Winter weather in Milwaukee, WI can be challenging to the body, but have you considered the toll it takes on your home? The last thing you want is to be panic prepping or making emergency repairs in a winter storm. Staying ahead of potential hazards will help to ensure a safe and comfortable winter in your home.
1. Ice Dam
An ice dam occurs when the ice melts off your roof and then refreezes on its edge later. This frozen “dam” prevents proper drainage from the roof, thereby forcing the water back up under the shingles. This entrapped water causes roof leaks, which can cause more serious problems like roof damage, structural damage and mold. Insulating your attic is one way to keep the warmer temperature of your home from melting the ice on the roof.
2. Burst Pipes
Freezing temperatures can cause pipes to burst due to pressure buildup between an ice blockage and a closed faucet. This pressure pushes the water toward the closed faucet, causing enough pressure that the pipe eventually bursts. Unheated areas and uninsulated areas are at the most risk. Opening the faucet to a trickle can keep the pressure from building up. Also, installing fiberglass or foam sleeves onto the pipes can help insulate them.
3. Driveway Damage
Freezing water can wreak havoc on your asphalt driveway. When moisture from a winter storm collects in cracks in asphalt and then freezes, it expands. This expansion can create larger cracks, even potholes. Avoid the need to repave the entire driveway by sealing cracks as soon as possible.
4. Fallen Tree Limbs
A blizzard or ice storm can damage trees due to the weight of the snow or ice. Falling branches can damage your roof, siding and gutter system. They can also fall on power lines, creating a fire hazard. Maintain your trees by cutting back suspicious-looking or dead limbs.
It’s important to be proactive when it comes to winter weather. Constantly monitor your property for potential threats and keep it well-maintained. If your home sustains damage from a winter storm, storm damage cleanup experts can assist.
Why SERVPRO Fire Damage Specialists Rely On Hydroxyl Generators When Restoring Homes In Milwaukee
During a house fire, firefighters douse the interior of the home with thousands of gallons of water. This water soaks into walls, floors, and your belongings. After they put the fire out and no signs of hot areas pose additional threats to reignite the fire, the fire department’s personnel return to the station. Their job never includes removing the water or foam soaking into your residence.
The presence of so much water is why SERVPRO uses specific machinery to mitigate fire damage from homes in Milwaukee & Waukesha Co. One of these choices involves our options regarding deodorizing equipment. Initial efforts to help make the air safer to breathe while we work on your home have the potential to bring about unexpected effects.
Ozone can cause permanent changes in the color of damp carpets, furniture, and other furnishings. Plants can also suffer drastically when ozone generators fill an area. We must wait until after one of our employees turns off the machine and then a bit longer to clear the air of ozone before we can enter the home. However, we do have a safer alternative with very few drawbacks.
We can safely use hydroxyl generators while we work, as well as in damp conditions. If you see us wearing masks or respirators as part of our personal protective equipment (PPE) while we work on mitigating the fire damage in your dwelling, this is because of the soot hanging in the air. Hydroxyl generators push hydrogen peroxide molecules into the air where they can interact with odor-causing particles at the molecular level.
The extra oxygen molecule turning plain water into hydrogen peroxide has a fragile bond with the water molecule, allowing the oxygen to form bonds with other substances. Our desiccant machines pull the water molecules produced by the breakdown of H2O2 as we remove the water hosed in during the fire. Ozone does not give us the flexibility to work as efficiently as hydroxyl generators provide.
SERVPRO of Milwaukee North wants to assure our customers that we always use the most efficient methods when mitigating fire damage. Call us at (262)250-1101, so we can restore your property, “Like it never even happened.”
Christmas Tree Fire Safety Tips
Christmas is around the corner, and you know what that means: fire safety. Each year, fire departments respond to an average of 210 structure fires caused by Christmas trees. Carefully decorating Christmas trees will make the holidays safer.
Here are some great Fire Prevention tips:
- Choose a tree with fresh, green needles that do not fall off when touched.
- Make sure the tree is at least three feet away from any heat source, such as fireplaces, radiators, candles, heat vents or lights.
- Make sure the tree is not blocking an exit.
- Add water to the tree stand daily.
- Some lights are only for indoor or outdoor use, but not both make sure you choose the right ones.
- Replace any string of lights with worn or broken cords or loose bulb connections.
- Always turn off Christmas tree lights before leaving home or going to bed.
- Get rid of the tree when it begins dropping needles. Dried-out trees are a fire danger and should not be left in the home or garage, or placed outside against the home.
There are so many other ways to prevent fire, around Christmas time, but these are a few of the common mistakes. We hope that you do not ever experience a fire.
We know how devastating fire damage can be, but we are here to help! Call SERVPRO of Milwaukee North (262)250-1101 to help get your home restored efficiently.
Smoke Detectors Save Lives!
Smoke alarms save lives and provide you and your family time to leave the home and get to safety or alert you to potential fires in the home like a cooking fire or an unattended candle. In the event of a home fire, soot and smoke damage can cause damage throughout your home and require repairs and restoration.
SERVPRO of Milwaukee North has the technicians, expertise, and experience to clean and restore your home to preloss condition. After a fire, our crew's inventory and pack out the contents in your home. Contents are then brought back to our secure, climate-controlled warehouse where items are recleaned and packed into new clean boxes. While contents are being cleaned, crews work to clean and restore your home. Once your home has been restored, all contents are packed back and your home is ready to be put back together as it was before the fire.
How To Use IICRC Classifications To Assess Flood Damage
If you have endured flood damage to your Milwaukee home – SERVPRO can help you. We are an experienced flood damage restoration company.
If you have endured flood damage to your Milwaukee home – SERVPRO can help you. We are an experienced flood damage restoration and repair team, with access to sophisticated tools and the finest equipment. If your property needs saving, we are the right choice. The first that thing we do, once we arrive on site, is to conduct a full inspection. This is designed to help us determine the extent and nature of the damage. The IICRC (Institute of Inspection Cleaning and Restoration Certification) categories flood damage according to four key classifications. The SERVPRO technicians will use this guide to shape their plan of action and decide which repairs are required.
Here is some more information on the IICRC classifications and what they might mean for your property.
Class One: Limited Intrusion
This is the least severe type of flood damage. A small amount of water has entered the home. There is minimal damage to walls and soft furnishings. Depending on the size, shape, and location of the affected space, large fans can likely be used to dry it out.
Class Two: Intrusion With Some Spread
Here, flood water has started to spread. If your house was impacted by a storm, the damage is almost going to have advanced beyond small pools of water. It may have risen into the walls and started to soak into timber, concrete, and insulation materials. The water has reached the subflooring beneath carpets. Industrial drying machines (and carpet lifters) will be brought in to absorb the excess moisture.
Class Three: Invasive Liquid
The walls, ceilings, soft furnishings, and floors are all damp and need to be dried quickly. Most are fully saturated with water. Water lines on the walls extend more than two feet above the floor. This tends to occur when ceilings leak (during heavy rainfall), and water seeps through the walls. Dehumidifiers and dryers can be used to restore the home, but some materials may be unsalvageable.
Class Four: Severe Invasion
In the most severe cases, objects not usually affected by flooding have been compromised. For instance, paintings high up on walls, attics (if the danger is from natural flooding), and crawlspaces. At SERVPRO, we’re committed to saving as many of your possessions as possible, but extensive damage can render some items irreparable. We will, however, inform you of the fact before disposing of any materials. Serious flood damage may require you to move out of the property while we secure its structural safety and install heavy duty drying machines.
Whether your home has been damaged by a storm or by something more familiar, like a burst pipe, assessing the damage is an important part of formulating a response. SERVPRO of Milwaukee North is a locally based service, which means that our response is always fast. Call us 24/7 at (262)250-1101.