Financing options at SERVPRO DeSoto, Tate and Tunica Counties
If you have recently suffered through a flood, fire, or mold infestation, we understand that the only thing worrying you as much as restoring your home is how you are going to pay for it. Fortunately, we have some good news.
SERVPRO of Desoto, Tate, & Tunica Counties has recently partnered with the GreenSky lending company to help you put your Southaven home back together. We take the burden of removing mold, water ,and fire damage off your shoulders while our new partner lifts the financial concern.
We sought out this solution after assisting customers who tried to save money by doing the demolition, cleaning, and restoration themselves. In every case, the homeowners or residents simply added to the problem and found themselves with a larger bill; sometimes much larger.
GreenSky has processed over $8 Billion of installment loans to home and business owners who need help to put their property back to its original state. This Atlanta based lending business specializes in restoration based installment loans and has developed a system that lets them process the loans quicker than most other lenders. Depending on your need and qualification, you may get up to $55,000 to cover restoration costs.
Our office personnel have recently completed GreenSky’s financial and software training and can help you however you may want to make your application. The program provides us with several options: In our office, over the phone with GreenSky or filling out an online form that can be processed in just a few minutes while you sit in our waiting room.
The third option is an incredible mobile app. With it, one of our trained technicians can take your information at your residence or business and have you approved for an installment loan before we finish unloading our equipment. Within an hour or two, we can have you set up with an 84 to 96, month loan (7 or 8 years) at a payment that can be as low as $79 a month.
Once approved for a loan, there is no need to use it immediately. GreenSky knows that the restoration process takes time and gives you four months to use it. That gives you the breathing room you need to make the right decisions on repairing your home and whether to restore or replace your personal property.
At SERVPRO of Desoto, Tate, & Tunica Counties, we do everything possible to keep costs to a minimum, but costs can still run into a year’s salary very quickly. For more information on what we can do for your home and how GreenSky can help, call us at 662-349-6500.
SERVPRO of DeSoto, Tate and Tunica Counites is an IICRC Certifited firm.
SERVPRO of Desoto, Tate, & Tunica Counties is an IICRC firm. The Institute of Inspection, Cleaning and Restoration Certification (IICRC) creates the standards for the restoration industry and provides training and certification to restoration companies. IICRC Certified Firms have the right to display the IICRC Certified Logo.
IICRC Certified Firms must
• Present accurate information to consumers and conduct business with honesty and integrity.
• Require a technician on all jobs who has been formally trained and passed all required tests.
• Require a continuing education program to keep technicians up-to-date on the latest changes in the industry.
• Maintain liability insurance to protect all parties in the event of an accident.
• Maintain a written complaint policy and agree to Better Business Bureau or similar arbitration to resolve disputes, and accept the conclusions and recommendations of arbitration.
The IICRC Develops The Standards For The Restoration Industry
The IICRC has been the driving force in establishing the main industry standards and reference guides for professional carpet cleaning, water damage restoration and mold remediation. These IICRC standards take years to develop and require the coordination of experts in the field: manufacturers, industry organizations, insurance professionals, training schools, contractors, and public health professionals.
Every five years, the standards are reviewed and updated. The water damage restoration field changes rapidly with advancements in technology and science, and therefore the standards must evolve to keep pace.
About SERVPRO of Desoto, Tate, & Tunica Counties
SERVPRO of Desoto, Tate, & Tunica Counties specializes in the cleanup and restoration of residential and commercial property after a fire, smoke or water damage event. Our staff is highly trained in property damage restoration and we are an IICRC Certified Firm. We believe in continuous training: from initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property.
6 disasters your property insurance may not cover.
When disaster strikes your home, Property Insurance, is supposed to be there to help you pick up the pieces. Most of the time, it does.
A Bankrate survey found that 81 percent were aware flooding is not covered by regular homeowners insurance. You may have heard earthquakes also require special coverage. Yet you may not know that there are other types of damage that are excluded from most policies as well:
At least 1,000 species of mold are common to the United States, according to the New York-based trade group the Insurance Information Institute.
Despite the threat, a standard homeowners insurance policy generally either limits coverage for mold damage or outright excludes it.
Some insurers offer an endorsement to expand coverage limits for mold claims but only if you are willing to pay more for your insurance, she says.
The best cure for mold is to prevent it from growing in the first place. If the basement floods after a rainstorm or a pipe is leaking, eliminate the moisture promptly.
America’s sewer lines are rapidly aging, with some more than 100 years old. As more homes have been connected to these out-of-date lines, sewage backups have followed.
Other sources of backups include pipelines that handle both stormwater and raw sewage — and become overwhelmed in rainstorms — and blockages from tree roots that work their way into sewer-line cracks.
When a sewer backs up into a home, it can damage floors, walls, furniture and electrical systems. Standard homeowners insurance does not cover sewer backups.
The Insurance Information Institute says sewer-backup damage often can be covered for an additional premium of just $40 to $50 per year.
Sinkholes can seem like something out of a horror movie. For example, there was the Florida man who was swallowed up in early 2013 when a sinkhole opened without warning beneath his bedroom.
Sinkholes are sudden gaps in the earth’s surface that occur after groundwater gradually dissolves rock such as limestone and carries bits of it away, creating large pores and cracks in bedrock. Once large cavities form underground, the land above it may suddenly settle or collapse, creating the sinkhole.
In the United States, sinkholes tend to cause the most problems in Florida, Texas, Alabama, Missouri, Kentucky, Tennessee and Pennsylvania, according to the U.S. Geological Survey.
Most home insurance policies will not cover damage associated with “earth movement,” such as an earthquake or sinkhole.
Florida is the only state in which insurers are required to provide coverage for sinkhole damage
Florida insurers must include insurance for “catastrophic ground cover collapse” — which refers to damage so severe, the home is uninhabitable — as part of standard homeowners insurance.
In every other state, earth movement is excluded from the insurance policy.
Colonies of anywhere from a few hundred to several million termites can quietly and methodically devastate your home.
Wood, paper and dead plant material that is in contact with soil near the house provides termites with a ready source of food and an entry. And moisture accumulated around foundations and in poorly ventilated crawl spaces gives termites a source of water they need to survive.
Over time, termites can damage or destroy support beams and other wood features in a house. The National Pest Management Association estimates that termites cause $5 billion in damage in the U.S. each year.
If these unwanted guests cause wear and tear to your home, do not expect your insurer to bail you out.
Homeowners policies do not pay for termite damage.
Homeowners can avoid structural damage with early intervention.
Nuclear plant accidents
The Federal Emergency Management Agency, or FEMA, says nearly 3 million Americans live within 10 miles of an active nuclear power plant. If an accident at a nearby reactor leaves your home uninhabitable, standard homeowners insurance will not cover the claim. But that does not mean you will be unprotected.
A 1957 federal law called the Price-Anderson Act compensates people in the United States for any damage or injuries resulting from a commercial nuclear accident.
The law was called upon after the nation’s worst nuclear accident, at the Three Mile Island plant near Harrisburg, Pa., in 1979.
The insurance paid for the living expenses of families who decided to evacuate.
The Nuclear Regulatory Commission says an insurance pool of more than $12 billion is available to pay out claims.
Claims covered under Price-Anderson include:
- Bodily injury.
- Disease resulting in death.
- Property damage and loss.
In addition, individuals evacuated from an affected area can expect reimbursement for reasonable living expenses beyond what you ordinarily pay. The coverage does not pay your mortgage, does not pay for your normal food bills.
Some acts of terrorism
The recent Boston Marathon bombings were a reminder that terror can strike at any moment.
The Insurance Information Institute says terrorist attacks using nuclear, biological, chemical or radioactive weapons are considered “acts of war” that are fundamentally uninsurable. Standard home insurance policies do not specifically reference terror attacks.
However, the policy does cover the homeowner for damage due to explosion, fire and smoke, these are the most likely types of damage a home would suffer in a terrorist incident.
If you own a condominium or co-op, the policy you carry on your individual unit will protect your structure and possessions from damage related to a terrorist attack.
However, damage to common areas — including the roof, basement, elevator, boiler and walkways — is not covered unless your board purchases separate terrorism coverage.
Why use SERVPRO of DeSoto, Tate and Tunica Counties?
Why should I choose a professional restoration company for water intrusion/ damage?
- Homeowners and business owners should not risk doing the work themselves as there may hidden water or moisture that can go undetected to the untrained eye. Taking into account that mold growth can occur in as little as 24-48 hours in the presence of moisture, undetected water damage can pose long term problems if not properly handled.
- Due to the potential hazards associated with water-related damage, moisture and water should be handled by properly trained and equipped professionals to ensure complete and necessary drying to prevent future harm, extensive structural damage and possible contamination.
- Improper cleanup could hinder property re-sale value.
- Professional restoration companies have essential tools and techniques to measure moisture in the area to ensure proper and complete drying in a timely manner.
- Water technicians should be fully aware of water or moisture-related characteristics to locate leaks or water damaged areas that may otherwise go unnoticed.
- Homes and other properties are large and often expensive assets. Why run the risks associated with improper drying, deodorizing and disinfecting which can lead to potential secondary structural damage? Help protect your property’s value by calling the professionals at SERVPRO of Desoto, Tate, & Tunica Counties.
Why should I choose SERVPRO of Desoto, Tate, & Tunica Counties for water cleanup and restoration?
- SERVPRO of Desoto, Tate, & Tunica Counties recognizes the necessity for prompt and accurate response and offer 1-4-8 Response Guidelines to help minimize additional, secondary or permanent damage and contamination. In addition, SERVPRO of Desoto, Tate, & Tunica Counties is available for emergency response 24 hours a day, 365 days a year.
- Knowledge and training are key elements in effective water removal and moisture damage. SERVPRO of Desoto, Tate, & Tunica Counties applies their industry knowledge, training and understanding of how relative humidity, temperature, vapor pressure and air movement influence drying conditions.
- Powerful and professional equipment is essential for proper mitigation and efficient restoration of water damaged areas. SERVPRO of Desoto, Tate, & Tunica Counties is outfitted with state-of-the-art industrial grade equipment and products to measure the extent of moisture saturation and offer proper drying, deodorizing and disinfecting of water damaged areas.
- SERVPRO of Desoto, Tate, & Tunica Counties offers content restoration to restore water damaged contents and personal belongings. Often when water damage occurs, personal possessions are also damaged by moisture. SERVPRO Technicians work diligently to try and return personal contents to preloss conditions.
- SERVPRO of Desoto, Tate, & Tunica Counties works with insurance, real estate, contracting and property management companies to offer complete file management, estimates and detailed explanations of work, including status updates, changes and feedback to keep companies fully aware of a property’s drying, cleaning and restoration status. At SERVPRO of Desoto, Tate, & Tunica Counties, we know you want quality information and proof of results. SERVPRO technology is designed to support your efforts!
- Timely mitigation is key to the restoration process. Restoring property is the SERVPRO Professional’s first priority. You will appreciate the immediate response, and you will know everything possible is being done to limit the damage. Even if a loss is below the deductible amount, fast action helps assure the event will stay small!
Call SERVPRO of Desoto, Tate, & Tunica Counties today at 662-349-6500. No water damage is too big or too small.
Ready for whatever happens
SERVPRO of Desoto, Tate, & Tunica Counties is committed to providing fire and water cleanup and restoration services to reduce business interruptions and recovery costs. SERVPRO can provide:
- Over 40 years of experience as leading fire and water cleanup and restoration providers.
- A SERVPRO franchise nearby - more than 1,500 franchises servicing 48 states.
- More locations for faster responses.
- Quick response time to help ensure the damage is contained and the restoration process begins promptly.
- Large loss capabilities - no fire or water damage is too big.
As many as 50% of businesses close down following a disaster, according to the latest research. Of the businesses that survive, the overwhelming majority of them had a preparedness plan in place. Pre-planning can serve as an insurance policy aimed at peace of mind. And knowing you are "Ready for whatever happens" speaks trust to your clients and employees that in the event you business is affected by a disaster, they don't necessarily have to be.
By developing a SERVPRO Emergency Ready Profile for your business, you help to minimize business interruption by having an immediate plan of action. Know what to do, who to call and what to expect in advance is helpful in receiving timely mitigation and can help minimize the affects water and fire damage can have on your business.
SERVPRO of DeSoto, Tate and Tunica Counties Construction Services
Rebuilding after a disaster.
After a disaster—whether it be a fire, water, or storm—damages your home you will need to rebuild and restore. For decades SERVPRO has been known for their ability to respond to a disaster and fix your home to make it "Like it never even happened.”
The first thing you must do after a disaster is take temporary protective measures such as placing roof tarps to prevent additional damage, and boarding up to secure the building and remove water and debris. Mold, smoke, fire, and water damage all have their own protocol for restoration and our experts know how to tackle each problem.
Once your home or building is secured and the hazards are removed you can start the rebuilding process; from the structure itself to preserving and restoring the treasured items inside your home—including heirlooms, art, and family photos. The professionals at SERVPRO of Desoto, Tate, & Tunica Counties can simplify the restoration process by handling both the initial damage mitigation and rebuilding the affected areas. Having one qualified company for the entire process can save time and keeps costs low.
SERVPRO of Desoto, Tate, & Tunica Counties can provide this continuity by supervising a full range of restoration services that will bring a building back to full functionality.
- Board Up
- Carpet Repair and Installation
- Document Drying
- Dry Cleaning
- Drywall Installation
- Drywall Removal
- Electronics Restoration
- Fine Art Restoration
- Furniture Restoration
- General Contracting
- Hardwood Floor Repair
- HVAC Services
- Move Out
- Roofing Services
- Tree Removal
- And more!
If you are in need of construction services contact SERVPRO of Desoto, Tate, & Tunica Counties at 662-349-6500.
Dry Ice Blasting
Dry Ice Blasting is a revolutionary blasting method that uses dry ice pellets (CO2 in solid form) as the blasting material. The process is very environmentally friendly and provides a fast and effective alternative to traditional methods of cleaning industrial production equipment.
Dry Ice Blasting is a 3 step process:
1. Kinetic - When dry ice pellets are accelerated in a jet of compressed air and strike a surface at the speed of sound, they crack and loosen the coating of the surface being treated.
2. Thermal - The low temperature of dry ice pellets (-79 degrees C/-110 degrees F) makes coating brittle, cracks it and loosens it. This allows dry ice to permeate the coating.
3. Sublimation - Dry ice penetrates the coating and immediately sublimes (passes directly from solid to vapor state). This results in a 700-fold increase in volume, an explosive effect that lifts the coating off the surface.
The Benefits of Dry Blasting:
1. A dry cleaning process - Dry ice blasting is a completely dry process because dry ice pellets consists of CO2 and vaporize immediately on contact with the surface to be cleaned.
2. No waste disposal - The system produces no waste products. Only the coating that has been removed remains to be disposed of, and this can usually be swept or vacuumed from the floor.
3. Environmentally friendly - Dry ice blasting is completely non-toxic and no hazardous chemicals are used. Costs connected with the disposal of blasting materials and solvents are saved.
4. No abrasion - Dry ice blasting is non-abrasive and therefore surfaces are treated very gently. Wear and tear resulting from the use of steel brushes, scrapers and other blasting materials is avoided.
5. Improved production quality - Dry ice blasting often allows for your production equipment to be cleaned while in operation without the need for dismantling or costly downtime.
SERVPRO of DeSoto, Tate, and Tunica Counties also offers many other services:
- Fire, Smoke, and Soot
- Water Removal and Dehumidification
- Mold Mitigation and Remediation
- Catastrophic Storm Response
- Move Outs and Contents Restoration
- Electronics and Equipment
- Document Drying
- Contents Claim Inventory Service
- Air Ducts and HVAC
- Bio hazard, Crime Scene and Vandalism
- Carpet, Upholstery, Drapes and Blinds
- Ceilings, Walls, and Hard Floors
SERVPRO of DeSoto, Tate, & Tunica Counties is available 24/7! Call us today! 662-349-6500
Severe Weather Preparedness
Here are some tips that we believe will be helpful in preparing for severe weather.
Tornadoes can strike without warning and destroy a community in seconds. Before a tornado warning is issued for your area, here are some things you should do:
1. Know your community’s warning system.
2. Pick a place where family members can gather if a tornado is headed your way. It could be your basement or, if there is no basement, a center hallway, bathroom, or closet on the lowest floor. Keep this place uncluttered.
3. If you are in a high-rise building and don’t have enough time to go to the lowest floor, pick a place in a hallway in the center of the building.
4. Remove diseased and damaged limbs from trees.
5. Move or secure lawn furniture, trash cans, hanging plants or anything else that can be picked up by the wind and become a projectile.
THUNDERSTORM SAFETY STEPS Thunderstorms injure an average of 300 people every year, and cause about 80 fatalities. Here are the top thunderstorm safety steps you should follow:
1. If you can hear thunder, you are close enough to the storm to be struck by lightning. Go to safe shelter immediately.
2. As the storm approaches, take shelter in a building.
3. If you are driving, pull off the roadway and park. Stay in the car with the windows closed and turn on the emergency flashers. Avoid touching metal or other surfaces that conduct electricity in and outside of the vehicle.
4. If you are inside, unplug appliances and avoid using the telephone or any electrical appliances. Avoid taking a bath or shower, or running water for any other purpose.
5. If you are caught outside and cannot reach a safe building, avoid high ground, water, tall, isolated trees and metal objects such as fences or bleachers. Picnic shelters, dugouts and sheds are not safe.
FLOODING Heavy rains could fill rivers and streams, bringing flooding to the area. If your neighborhood is threatened with the possibility of flooding, here are some things you should do:
1. Be prepared to evacuate at a moment’s notice. When a flood or flash flood warning is issued for your area, head for higher ground and stay there.
2. Stay away from floodwaters.
3. If you come upon a flooded road while driving, turn around and go another way. If you are caught on a flooded road and waters are rising rapidly around you, get out of the car quickly and move to higher ground. Most cars can be swept away by less than two feet of moving water.
4. Keep children out of the water.
5. Be especially cautious at night when it is harder to recognize flood danger.
SERVPRO of DeSoto, Tate and Tunica Counties is always here to help! Should you need help after severe weather please give us a call at 662-349-6500.
Secondary water damage
Water damage is a serious issue that you need to deal with promptly when it happens.
There are some things you can do on your own to help while waiting for professionals and those tasks are in our previous post of do's and dont's for water damage.
If water damage is not fixed quickly can destroy the integrity of your house.
The biggest problem faced by homeowners after their houses are damaged by water is structural damage. It might sound obvious, but when your house has been hit by a lot of water the whole structure can be weakened. That’s particularly true in any area where water was allowed to sit for more than a few hours.
If you have water sitting on the floors and on your walls for days, after a major catastrophe you could really be facing some serious structural issues. Hire a professional to look at your home and don’t walk on floors, else it could be very badly damaged.
Even if your home doesn’t have significant structural damage, being in a home that’s been badly damaged by water can create some other serious issues. Mold and mildew are the most common problems, and walls and floors that have been soaked by water can start growing unpleasant mold in just a few hours.
Homes in climates with high humidity are even more susceptible to mold and mildew.
What to do when fire starts...
Home Fire Preparedness: There are actually ways you can prepare your home for a fire. Here a few tips:
- Install the right number of smoke alarms. Smoke alarms should be installed on every level of your home, outside each sleeping area, and inside each sleeping room.
- Test your smoke alarms once a month. Change your batteries twice a year. We suggest changing them each time the time changes.
- Have a fire extinguisher in your home, especially in your kitchen.
- Teach your children what smoke alarms sound like and what that sound means.
- Ensure all household members know two ways to escape from every room of your home and know the family meeting spot outside of your home.
- Establish a family emergency communications plan and ensure that all household members know who to contact if they cannot find one another.
- Practice escaping from your home at least twice a year. Press the smoke alarm test button or yell "FIRE" to alert everyone that they must get out. Maybe do this when you put new batteries in the smoke alarms.
- Make sure everyone knows how to call 911.
- Teach household members how to STOP, DROP, and ROLL if their clothes should catch on fire.
What To Do if a Fire Starts:
- Know how to safely operate a fire extinguisher.
- Remember to GET OUT, STAY OUT, and CALL 911.
- Yell "FIRE" several times and go outside right away. If you live in a building with elevators, use the stairs. Leave all your things where they are and save yourself.
- If closed doors or handles are warm or smoke blocks your primary escape route, use your second way out. Never open doors that are warm to touch.
- If you must escape through smoke, get low and go under the smoke to your exit. Close doors behind you.
Recovering After a Fire:
- Call 911. Give first aid where needed; cool and cover burns to reduce the chance of further injury or infection.
- Let friends and family know you are safe.
- People and animals that are seriously injured or burned should be transported to professional medical or veterinary help immediately.
- Stay out of fire-damaged home until local fire authorities say it is safe to re-enter.
SERVPRO of Desoto, Tate, & Tunica Counties can also help you get your home and belongings back together after a fire. Call us today at 662-349-6500.