Recent Posts

What Our New Employee Jamie Can Tell Us About Insurance

7/19/2022 (Permalink)

Home and business insurance can be a confusing and daunting process to understand. SERVPRO of Northeast Wichita recently added an amazing asset to their team, our new Marketing Rep Jamie Sigars. Jamie has worked in the insurance industry for many years. We asked her some of the top questions home and business owners have or should be thinking about insurance 

How often should you revisit your policy and coverages? 

The best rule of thumb is annually.  30 days prior to the next renewal.  There are multiple reasons.   

  1. Each year your policy coverage increases due to the cost of labor and materials and claims history. As those costs fluctuate from year to year, your policy may have increased more or less than what you truly need.  
  1. If you carry a deductible that is based on a percentage of your coverage, then that should be discussed annually. 
  1. Any improvements should be discussed at the annual review.   

What should home and business owners know about roof coverage? 

First and foremost, never file a roof claim until a roofer has determined the cause of loss. If the damage is weather related; it should fall under a named peril in the policy. If the cause of loss is due to age, neglect, or product failure, it would not be covered by insurance.  Any claim, including a $0 paid out claim on record will increase your premium.   

Upgrades on your policy, how often should people upgrade, an estimated price to upgrade? 

Anytime there is a life change, increase in assets or improvements made to the home.   

I mention life change because the liability coverage on a homeowner’s policy follows the insured off of the property.  In today’s climate of easy lawsuits, protecting one’s assets is as easy as increasing the liability coverage on a homeowner’s policy for minimal cost.  Next best thing would be to purchase a Liability Umbrella policy.  

Sump-pump coverage, do we need it? Is it already a part of our standard policy?  

Sump-pump coverage (or also known as back-up of sewer & drain) is not a common standard coverage on all policies.  It is in most cases an elected endorsement.  Most homeowners choose to add it to a policy.  Sump-pump endorsement usually has its own limits and deductibles from the standard named peril. 

Are mold damage repairs covered by our insurance? 

Mold is rarely covered by a policy.  If a company should offer an endorsement for mold, I highly recommend adding it to the policy.   

Fine print of your policy, what do people usually miss? 

Truth..... It is all fine print....  

The best way to understand the policy is by conducting an annual review.  

Most insures never read the policy and don’t see these parts  

*Misuse and abuse  

*Can’t be liable to yourself 

*Named perils 

*Losses not covered 

*Neglect 

Here at SERVPRO of Northeast Wichita our employees are our best asset. Jamie has added such value to our team. We hope you take this information and look at your own insurance policy. We have seen so many circumstances where things were missed and now the homeowner is responsible for far more than they should be. Give SERVPRO a call at (316) 684-6700 if you experience a loss and need help with the next steps.   

Is My Water Loss Covered by Insurance?

7/7/2022 (Permalink)

Finding bursting pipes or a flood of water in your Wichita, KS home or business is a stressful experience, from having to get the mess cleaned, to trying to salvage your belongings, there are so many overwhelming things. Adding the worry about whether your insurance will cover water emergency restoration services is something that you should not have to do. Here are some tips for filing a successful insurance claim. 

Types of Water Damage Covered by Insurance 

Not all water damage is covered by your insurance. Typically, there will be at least some coverage for the following incidents: 

  • Sump Pump Failure 
     
  • Overflow 
     
  • Storm damage 
     
  • Sewer backup 
     
  • Sudden discharge of water 
     
     

Gradual Damage 


Unfortunately, most insurance policies usually do not include coverage for gradual damage. Gradual damage includes harm caused by: 

  • Damaged wires 
     
  • Leaking pipes 
     
  • Improper repairs 
     
  • Basement or roof cracks  

There can be some exceptions to this rule. For instance, your policy may not cover the cost to fix broken pipe issues that leaked over time, but insurance may pay to repair or replace items in your home that were damaged by water from this pipe. There are so many factors that can play into what is and is not covered by insurance but take comfort in knowing that SERVPRO of Northeast Wichita will work closely with your insurance company. 

There are several things we recommend doing to reduce your chances of an insurance claim being denied in the future. Start by doing regular maintenance of your home, checking in crawl spaces, under cabinets, and being aware of any drastic changes to your water bill can really help you catch those small issues from causing gradual damage that insurance will not cover. Keeping detailed records of any repairs you do or any professionals you hire to work on the home will help you with insurance claims and who will be responsible. In addition, you should review your insurance policy and decide if you need to purchase any endorsements for additional coverage. Homeowners' insurance can cover a variety of water-related disasters, from bursting pipes to a toilet overflow. Give SERVPRO of Northeast Wichita a call if your home or business is affected by water damage (316) 684-6700.  

Do Your Baseboards Have A Purpose?

7/7/2022 (Permalink)

Working in the water damage industry, our technicians see everything. They also are the ones that remove everything when it gets affected by water. Taking off baseboards is always a tedious task if we are trying to save them, but depending on the material it is made from, salvaging it may not be possible. Baseboards are usually thought to be installed purely for aesthetic purposes, but you may be surprised to find out that they actually serve many purposes; 

  • Baseboards help prevent the walls from getting damaged by moisture. Leaks, spills, and wouldn’t you know it, even mopping can cause the drywall to get wet if it isn’t properly protected. Dry wall is extremely porous and soaks up moisture quickly. Which adds to the drying time if you are affected by a water loss.  
  • Baseboards also protect against physical damage, being a much stronger material than your dry wall.  
  • With the correct installation, your walls should have slight spacing in some areas to allow for contraction during the changing temperature and moisture content. Baseboards help hide those gaps.  

You see baseboards everywhere and know you know what their purpose is! If your home or business experiences a water loss give SERVPRO of Northeast Wichita a call. We want to be your trusted, local, and always there company when you need us (316) 684-6700. 

The Kansas Wind And Power Lines

6/22/2022 (Permalink)

Kansas is known for its windy and ever-changing weather. Lately around Wichita we have been experiencing many windy days, with wind gusts up to 50 mph. With high winds on flat land, it can cause a lot of damage, including power lines getting downed. If you experience a power outage, here’s how to respond safely:  

  • Find out whether the power outage is only within your home or if it's affecting others in your local neighborhood so you can make the most effective plan of action. You can go online on your phone to report it, so your electric company isn't overwhelmed with calls.  
  • If the power outage was the result of a storm or other natural disaster, check your property for damage. Report any fallen power lines. Don’t touch or go near any fallen lines. This is extremely dangerous and can cause injury or worse. 
  • Keep the refrigerator and freezer doors closed as long as possible so your food stays cold. 
  • Candles pose a fire hazard. So we recommend using battery-powered lights instead. 

The restoration technicians at SERVPRO of Northeast Wichita have helped homeowners recover from storm damage for over 20 years. Call 316-684-6700 if you experience storm damage to your home or business.  

Types of Damage Covered By Insurance

6/17/2022 (Permalink)

Finding bursting pipes or a flood of water in your Wichita, KS home is a stressful experience, from having to get the mess cleaned, to trying to salvage your belongings, there are so many overwhelming things. Adding the worry about whether your insurance will cover water emergency restoration services is something that you should not have to do. Here are some tips for filing a successful insurance claim. 

Types of Water Damage Covered by Insurance 

Not all water damage is covered by your insurance. Typically, there will be at least some coverage for the following incidents: 

  • Sump Pump Failure 
     
  • Overflow 
     
  • Storm damage 
     
  • Sewer backup 
     
  • Sudden discharge of water 
     
     

Gradual Damage 

 
Unfortunately, most insurance policies usually do not include coverage for gradual damage. Gradual damage includes harm caused by: 

  • Damaged wires 
     
  • Leaking pipes 
     
  • Improper repairs 
     
  • Basement or roof cracks 
     
     

There can be some exceptions to this rule. For instance, your policy may not cover the cost to fix broken pipe issues that leaked over time, but insurance may pay to repair or replace items in your home that were damaged by water from this pipe. There are so many factors that can play into what is and is not covered by insurance but take comfort in knowing that SERVPRO of Northeast Wichita will work closely with your insurance company. 
 

There are several things we recommend doing to reduce your chances of an insurance claim being denied in the future. Start by doing regular maintenance of your home, checking in crawl spaces, under cabinets, and being aware of any drastic changes to your water bill can really help you catch those small issues from causing gradual damage that insurance will not cover. Keeping detailed records of any repairs you do or any professionals you hire to work on the home will help you with insurance claims and who will be responsible. In addition, you should review your insurance policy and decide if you need to purchase any endorsements for additional coverage. Homeowners' insurance can cover a variety of water-related disasters, from bursting pipes to a toilet overflow. Give SERVPRO of Northeast Wichita a call if your home or business is affected by water damage (316) 684-6700.  

Getting Kyle Back on his Foot

6/7/2022 (Permalink)

man in red hat on a motorcycle driving This is Kyle Roberston, Rodeana's Son.

If you have had the pleasure of working with our Marketer Rodeana, you know how truly selfless and compassionate she is. Rodeana treats her customers like family and is always ready to jump in on the job when she is needed. Now, Rodeana needs us, Rodeana’s son, Kyle Robertson, was involved in a nonfatal car-on-motorcycle accident on May 20th, 2022. Kyle was headed home from a night with some of his closest friends when he was hit from behind by a car not far from his house. 

After being rushed to the hospital, his injuries were so severe that he was immediately taken into surgery, where they had to amputate his right leg. Kyle is currently in recovery after two surgeries to help him adjust to a prosthetic. Taking on the medical bills and rehabilitation will be hard for Kyle and his family as they have a long road ahead of them with his recovery.  

The amount of people who are rallying together to support Kyle and his family is truly a testimony to the kind of people that they are. There are many ways that you can support them if you wish: 

  • GoFund Me 
  • Tattoo Flash Benefit @ Green Panther Tattoo in Derby on June 26th at 11:00 AM 

Tornado Damage in Andover KS

6/7/2022 (Permalink)

Back in April a powerful tornado tore through the Wichita, Kansas, area Friday night, leveling dozens of structures in the city of Andover. Tornadoes can do severe damage to property in its path. This tornado was rated an EF-3 based on a preliminary damage survey from the National Weather Service in Wichita. SERVPRO of Northeast Wichita is here to help when disaster strikes, there are so many ways a tornado can affect your business or home, here are some of the most common tornado damages.  

Damaged Roofs: 

Tornadoes are sometimes powerful enough to lift the roof right off your home or business. This happens due to low pressure that builds up on the inside. When the combined interior low pressure and exterior high pressure surpasses the force exerted downward by the roof, it lifts and is swept away in the wind. Now not only do you have a roof that needs to be replaced but the interior of your home is susceptible to the elements.  

Shattered Windows and Glass Doors: 

The pressure difference between the inside and outside of a home in a tornado can also cause the windows and patio doors to shatter. The glass isn't able to hold up to the force being exerted on it. This type of tornado damage can occur miles away from the tornado itself. Flying debris can also cause broken windows and doors. 

Damaged Siding: 

Intense winds, flying debris and hail can cause damage to your siding. Paint can chip or discolor, vinyl siding can crack or dent, and trim can suffer considerable damage. In extreme cases, tornadoes can hurl large objects right through the walls of your home. 

 As always saving you and your family members’ lives is more important than preserving your home. If a tornado warning is issued for your area, you should take cover in the basement, cellar, or tornado shelter as quickly as possible. Give SERVPRO of Northeast Wichita a call for a trusted restoration company (316) 684-6700. 

Who to Call When A Fire Strikes

6/7/2022 (Permalink)

House fires are extremely tough to go through. Many belongings are destroyed, lives can lose a sense of normalcy, and the whole process is just overwhelming. SERVPRO of Northeast Wichita has been around taking care of fire restoration in Wichita and surrounding areas for over 20 years. Every fire is different and requires a unique approach to the clean-up process. Luckily, your local disaster restoration company should know the next steps for you and your home or business. When the fire is out, what is next? 

Know Who To Call 

  1. Call Your Local Disaster Restoration Company. When the fire is out, the cleanup process should begin as soon as possible. Not only can SERVPRO of Northeast Wichita board up your home or business, extract any water that might have affected your property from pipe bursts or the fire department putting out the fire, but we can also clean and pack out your contents. We truly are a one stop shop, you can call our office day or night, and we will dispatch a team to walk you through the cleanup process we use to get you back to your preloss conditions. 
  2. Call Your Insurance Company. Having insurance on your property is so important. We all think that it can’t happen to us, and then it does. SERVPRO of Northeast Wichita will work closely with your insurance company to ensure a seamless process. 

Your Local Cleanup and Restoration Company 

Dealing with the aftermath of a fire can be hard to navigate, your insurance company and your local restoration company should be at the top of the list of people to call. Call SERVPRO of Northeast Wichita at (316) 684-6700 if you want a company you can trust.  

Going Above and Beyond in Wichita KS

5/3/2022 (Permalink)

At SERVPRO of Northeast Wichita customer service is at the core of ethos and work ethic. Our technicians exhibit excellent customer service because they deeply appreciate the stress and worry that comes with the emergencies we work to restore. Every disaster is an opportunity for us to go above and beyond what the customer expects. When one of our customers is experiencing a water or fire damage emergency, we want them to feel like they are calling a company they can trust.  

You can see this dedication in our online reviews. One example of this comes from a Google review written by a customer in Wichita, KS who was dealing with water damage in his home. Mark T. writes: 

 
"Big thank you to the folks at SERVPRO. Like most people I’ve never had to deal with a big flood at my house and had no idea what to do. The SERVPRO people took care of everything, sucked out the water, moved my stuff and set their equipment. They explained everything to me, and the customer service was just great, making me feel at ease. They took care of everything and connected me with a guy to help put back my pad and relay the carpet. 5/5 experience I would recommend them to everyone.” 

When you are experiencing a loss, know that SERVPRO of Northeast Wichita will be there as the company that you can call on, and that so many others in Wichita have trusted. Check out our reviews on Google to read it firsthand from our customers and call our 24/7 emergency line at 316-684-6700 if you need our help today.  

Natural Disaster Preparedness for your Business

3/30/2022 (Permalink)

The Federal Emergency Management Agency (FEMA) states that around 40 percent of small businesses fail to reopen after being hit by a natural disaster. In Kansas, our weather is unpredictable and since we experience all four seasons there are even more opportunities for natural disasters of all kinds to affect our homes and businesses. While reopening a business after enduring a natural disaster is challenging and serious, there are precautions business owners can take to help keep their businesses up and running. 

Using a cloud-based storage system: 

When a flood, tornado, or fire hits, paper copies of insurance policies, invoices, contracts, and even tax documents can get lost or destroyed. Having those critical documents backed up can give you one less thing to worry about during the stress of a natural disaster.  

Create plans for your employees, vendors, and customers: 

SERVPRO of Northeast Wichita offers your business an emergency ready plan, this plan highlights some of the biggest security and safety concerns in your business and allows you to take steps to avoid them altogether. These plans show where the water, sprinkler or gas shut offs are so anyone at your business can have access to that information.  

Run Multiple Drills: 

Practicing an emergency response could save a business thousands of dollars and be the determining factor between a successful recovery and failure to reopen.  

An emergency caused by a natural disaster can be hard to prep for, much less manage. Having steps in place to follow can help eliminate the unknown. SERVPRO of Northeast Wichita can handle any size disaster and has over 1,700 franchises we can call on for back up. Give us a call before disaster strikes and we will create your emergency ready plan as a free service to you and your business. 

Review your Insurance Coverage 

It is good practice to meet with your insurance agent to look into what your current coverage is and what gaps there might be. For example, having business disruption insurance can be invaluable if a disaster is so severe it interferes with your business's ability to operate. Or being underinsured may mean that valuable capital that your business needs to operate might not be able to be restored or replaced in the event of a disaster.

An emergency caused by a natural disaster can be hard to prep for, much less manage. Having steps in place to follow can help eliminate the unknown. SERVPRO of Northeast Wichita can handle any size disaster and has over 1,700 franchises we can call on for back up. Give us a call before disaster strikes and we will create your emergency ready plan as a free service to you and your business.