Recent Storm Damage Posts

What To Do If A Neighbor's Tree Falls On Your House

10/13/2020 (Permalink)

photo of a large fallen tree on top of a house in an open field Fallen trees can cause more than just structural damage - they can cause flooding and water damage to your home as well!

If a neighbor's tree fell on your house, you're likely unsure of which homeowner is responsible for filing an insurance claim or who will have to pay for the damages. There's a lot of mystery surrounding fallen trees and insurance claims - but we will clear up any confusion here.

Fallen Trees: Who Covers The Damages?

Scenario 1: Neighbor's tree (or your own) falls on your house

If a tree that falls on your home was on your neighbor's property, it is still up to you to file a claim with your insurance company. Unfortunately, it doesn't matter where the tree came from to decide who covers the cost of tree removal and any structural damage repairs - only where it fell and why.

Scenario 2: Your tree falls on your neighbor's house

If a tree on your property falls on to your neighbors home, you can consider yourself 'lucky' because it will be up to your neighbor's homeowner insurance to cover the damages.

Scenario 3: A neighbor's tree damages your house, but you suspect it was because it was old, damaged, or weak.

In these cases, insurance does not want to cover any damages or tree removal because there was a form of negligence or a maintenance related issue. If you feel like your neighbor has a tree that is putting your home in danger, take steps to try and get them to remove the tree and document it. Then, in case the dying tree does fall on your home, you can try and argue to have it covered by insurance due to your neighbors negligence.

Unfortunately, fallen trees are commonly only covered when caused by a 'named peril', such as high winds, lightning, vandalism, or a car crash.

Common Questions:

What if the tree doesn't damage your home?

According to Allstate, if a tree falls on your house and causes no damages, insurance will not cover the cost of removing the tree (and in these cases it may not be worth it to file the claim anyways depending on your deductible).

What does tree removal cost without insurance?

The cost of tree removal is on average $500-$1,200, making it less than many homeowner's deductibles. If the tree that fell (and didn't damage your home) was your neighbors, you can always try and seek reimbursement afterwards, though this may sour your neighborly relationship.

How much do fallen tree claims usually cost?

According to Consumer Reports, the average amount paid by insurance companies for fallen tree claims was $4,110, only 7 percent of all settled claims.

What if a neighbor's tree falls in my yard, not even on my house?

As mentioned earlier, when a tree falls and causes no damages it will not be covered by your homeowner's policy. You will be responsible for all debris cleanup and removal yourself.

Need Help With Fallen Tree Damage & Cleanup? Call SERVPRO - 203-707-1952

What To Do After Storm Damage in Fairfield

7/15/2020 (Permalink)

tree fell on second floor of house. Bathroom roof demolished, bathroom covered in debris, tarp over large hole in roof If a tree falls on your home, SERVPRO of Westport/Fairfield is Here to Help!

When heavy rains, hail, high winds, and lightning come through Fairfield County, your home or business may suffer damage from the storm. Weather damage can be overwhelming for even the most prepared homeowners because of just how destructive it can be and the extensive need for storm damage repairs.

If you are in need of emergency assistance, call SERVPRO of Westport/Fairfield 24/7 at 203-707-1952.

Types of Storm Damage

1. Impact Damage

Impact damage is just what it sounds like - damage from things hitting your property. Strong winds can topple trees, tree branches, or power lines and cause a huge amount of property damage. One large tree can demolish a home or business, and if a branch goes through your home's roof, it can cause water damage inside on top of the roof repairs needed on the exterior.

2 Wind Damage

When a summer storm hits, strong winds usually follow. When winds are strong enough, they may be able to lift the roof shingles of your home and cause a considerable amount of roof storm damage. When you see curled shingles, it's a good idea to have a roof inspection done to see if any repairs are needed. Strong winds may also be able to pull back the siding of your home and expose the soffit and insulation to the elements.

3 Hail Damage

Usually only seen in the summer, hails storms can cause a large amount of damage to the roof of your home. Hailstones have rough edges that are able to puncture your roof and dent your siding. Signs of damage from large hailstones are split shingles, darker-colored impact marks, or visible roof felt. Paying attention to these signs can help prevent water leaks in your home later on.

4 Lightning Damage

Lightning strikes can cause trees or power lines to cause impact damage to your home, but lightning can also put your home at risk for a fire. If lightning strikes your home, you may suffer from fire damage, smoke damage, and possibly flood damage from the firefighting efforts.

Steps To Take After Weather Damage

  1. Wait until it is safe to go outside. Don't go out in the middle of a hurricane to see if there's any damage to your roof. If something happens that needs to be immediately handled - such as a fallen tree on your home, you will know without having to go out in the storm.
  2. Inspect your home once the storm has passed. Look for signs of roof damage, pulled back siding, or water leaks inside your home. Take photos of any damage you find for your insurance company.
  3. Turn the power and gas off in your home if needed. This is needed when your home is experiencing major water damage or flooding from something like a roof leak to keep yourself and others safe.
  4. Contact your insurance company. Try and figure out if your storm damage will be covered by your homeowners insurance policy. Your insurance company will also advise you on any other steps you should take. If you need help, our Project Managers can help you file your claim.
  5. Prevent further damage by calling a storm damage company. If you have a tree down on your home and a hole in your roof, you'll want to be able to contact a storm damage restoration company that can help remove the tree, board up your roof, and immediately begin emergency services within your home. SERVPRO of Westport/Fairfield can board-up or tarp your home, clean up debris, handle any flooding or water damage, and then begin repairing and restoring your home.

Does Homeowners Insurance Cover Storm Damage?

Traditional homeowners insurance covers many types of weather damage, including: wind, hail, lightning, some water damage, and impact damages. These damages are unpredictable, and in most cases there was nothing you could do from prevent them from happening. That's why it's covered!

There are some kinds of storm damage that aren't covered by insurance. Flooding from storms is usually not covered by your insurance company because it is likely groundwater flooding your basement - and this is something insurance companies see as preventable. However, water damage or flooding from a tree falling on your roof would be covered.

Need Service? Call SERVPRO of Westport/Fairfield 24/7 - 203-707-1952

Different Types of Storm Damage

8/3/2019 (Permalink)

Extreme storms can be terrifying and perilous, and wellbeing must be your first need. In the event that your town has seen serious issues, be cautious. In the event that you think your home has been fundamentally damaged or if flood hazard remains, don't go inside until an expert says it's protected. Putting in a couple of evenings at a companion's home or in a crisis haven is a little cost to pay.

Snow Storm Damage

Winter storms assault a significant part of the U.S. and Canada consistently, and zones that don't get hit with snow regularly get ice storms and other precipitation. When there is a snowstorm, lake impact storms and snow squalls, damage to your home can come as rooftop and other damage from overwhelming snow pile-up. These frigid storms regularly accompany high winds, which can increase damage by making shingles loosen up. These storms can unleash destruction on utility lines as well.

At the point when ice storms hit, you may should be significantly more wary. These storms are described by leaving a fourth of an inch of ice on surfaces. They can make rooftops breakdown, trees break and electrical cables snap. 

Lightning and Thunderstorm Damage

Lightning storms can happen any place in the U.S., and they bring the danger of flames and other damage. It is conceivable to see damage to electrical wiring, machines, radio wires, satellite dishes, link or phone lines, and steel structure. If there are indications of flame, make certain to remain inside until the storm is over on the grounds that your home will secure you.

Thunderstorms accompany dangers regardless of whether you aren't hit by lightning. You could see flooding, hail, and high winds.

High Winds, Tornadoes and Hurricane Damage

High winds can happen for all intents and purposes anyplace, and thousands of tornadoes and hurricanes hit the U.S. each year. Extreme winds are characterized as surpassing 50-60 mph. Damage from wind can damage your home and business, as well as encompassing landscaping and black-top. Know about the potential for falling trees and posts and damaged electrical cables, and deal with these issues immediately. After the storm, look at your property for basic damage to the home, including windows, siding, and rooftops. 

If you have any storm damage to your home or business, do not hesitate to call SERVPRO of Westport/Fairfield.

Ice Storms Can Lead To Damage

2/4/2019 (Permalink)

Ice storms can cause significant damage, if not directly, then indirectly.  This pictures shows how heavy ice ice, and the effect it can have on trees that it covers.  If you have trees around your house that have branches overhead, this could be a potentially damaging situation.  If ice forms around tree limbs, they can snap off and damage your home. This could lead to secondary issues like water damage or frozen pipes. While it is warm out, trim overhanging branches that could be large enough to cause damage to your rood or siding. If you have water damage, please do not hesitate to call us.

SERVPRO of Westport/Fairfield provides 24-hour emergency service and is dedicated to being faster to any-sized disaster. We can respond immediately to your emergency and have the expertise to handle your restoration or cleaning needs.

Ceiling Removal Due To Storm Damage

1/31/2019 (Permalink)

This picture showcases the effects of not having a leak-proof roof.  This person had postponed re-shingling their roof.  But unfortunately, they experienced the effects of that decision.  Water leaked in over the family room and started to soak the furniture.  We were called to fix the situation, which required removing a portion of the ceiling to allow for proper drying.  Make sure that your roof is up-to-date, and you address any issues as soon as they arise. If you have water in your home or business from a storm, please call us.

SERVPRO of Westport/Fairfield provides 24-hour emergency service and is dedicated to being faster to any-sized disaster. We can respond immediately to your emergency and have the expertise to handle your restoration or cleaning needs.

Leaky Roof No Match For Rainstorm

1/30/2019 (Permalink)

During a recent rainstorm, the roof leaked overnight at a local educational facility.  Unfortunately, the damage was not noticed until the following morning.  We were called in to fix the situation, which included extracting the water and dehumidifying the space once the bulk of the water was removed.  This photo does not show water that we pumped out.  It actually shows how much water we pulled out of the air with a dehumidifier.  All that moisture would have probably led to mold down the road if left untreated.  If you have water in your home or business from a storm, please call us.

SERVPRO of Westport/Fairfield provides 24-hour emergency service and is dedicated to being faster to any-sized disaster. We can respond immediately to your emergency and have the expertise to handle your restoration or cleaning needs.

Wind Damage Restoration

8/2/2018 (Permalink)

Hurricane damage sometimes includes severe wind damage. Roof damage in this situation may range from a missing roof, to harsh winds and rains shearing away asphalt tiles. Roof repair of obvious defects usually ensues in the wake of hurricane damage and storm remediation. Correcting roof damage may challenge homeowners after a disaster, since a roof leak may not appear obvious.

Wind damage may loosen shingles, which can cause another roof leak in the future. Even a subtle roof leak of this nature can produce mold inside the home. Obtaining fast roof repair may prevent long term interior damage. A wind damage home restoration expert may assist clients in receiving comprehensive roof assessments and roof repair services when hurricane damage afflicts an area. Their expertise helps property owners address storm damage and roof damage more effectively.

Storm Shutters

8/2/2018 (Permalink)

Sometimes it's hard to tell what preventative measures are necessary to protect your home from a natural disaster. However, high winds and hurricane damage in the past few years have cost Americans several billions, and unprotected windows can result in expensive damages like broken windows and eventual mold.

• Accordion: Simple and straightforward to use, these manually folding shutters are available in strong materials like metal or polycarbonate.  These are the ones in the photo.

• Bahama: This stylish variety not only provides protection from heavy rain and high winds, but also from the sun.

• Colonial: Protect your dream home with traditional blinds that frame your windows and add value to your property.

• Rolling: Prepare for a storm with ease with shutters that unroll or hide away at the press of a button. 

All of these different options are permanent home fixtures that come in a range of materials, colors and designs. They’ll protect your home from flying objects, heavy rains and strong winds, so you won’t have to worry about damage to your windows or your home interior.

Home Depot has some options if this is something that you would like to look into.

Hurricane Preparedness Week

5/9/2018 (Permalink)

Hurricanes are not just a coastal problem. Their impacts can be felt hundreds of miles inland, and significant impacts can occur without it being a major hurricane. Hurricane Preparedness Week (May 6-12, 2018) is your time to prepare for a potential land-falling tropical storm or hurricane.

During Hurricane Preparedness Week, make sure you have a hurricane evacuation plan. You do not need to travel hundreds of miles. Identify someone, perhaps a friend or relative who doesn’t live in an evacuation zone or unsafe home, and coordinate with them to use their home as your evacuation destination. Be sure to account for your pets, as most local shelters do not permit them. Put the plan in writing for you and those you care about.

If a hurricane strikes, you’re going to need supplies not just to get through the storm but for the potentially lengthy recovery period that could follow. Have enough non-perishable food, water and medicine to last each person in your family a minimum of one week. Electricity and water could be out for at least that long. You’ll need extra cash, a battery-powered radio and flashlights.

This Hurricane Preparedness Week, call your insurance company or agent and ask for an insurance checkup to make sure you have enough homeowners insurance to repair or even replace your home. Don’t forget coverage for your car or boat. Remember, standard homeowners insurance doesn’t cover flooding. Whether you’re a homeowner or renter, you’ll need a separate policy for flooding. Act now as flood insurance requires a 30-day waiting period.

The time to prepare for a hurricane is before the season begins, when you have the time and are not under pressure. Take the time now to write down your hurricane plan. Know where you will ride out the storm and get your supplies now. You don’t want to be standing in long lines when a Hurricane Watch is issued. Those supplies that you need will probably be sold out by the time you reach the front of the line. Being prepared, before a hurricane threatens, makes you resilient to the hurricane impacts of wind and water. It will mean the difference between your being a hurricane victim and a hurricane survivor.

Learn more at here.

SERVPRO of Westport Fairfield team heads to Florida to aid in flooding efforts

2/5/2018 (Permalink)

When Irma wreaked havoc on the state of Florida, SERVPRO of Westport Fairfield mobilized and sent a team of highly skilled staff to aid in the recovery efforts.

SERVPRO of Westport Fairfield sent 6 employees to help.  They left Connecticut in a group of vehicles to start the drive down with our equipment.  SERVPRO’s semi-trailer, containing large quantities of drying equipment was also on the road hours after getting the call.

As always SERVPRO is Hero Ready! 

There's never a convenient time for fire, water, or any other damage to strike your Stamford commercial property. Every hour spent cleaning up is an hour of lost revenue and productivity. So when the need arises for professional cleaning or emergency restoration services we have the training and expertise to respond promptly with highly trained technicians to get your property back to business. 

  • Commercial Water Damage Restoration
  • Commercial Fire Damage Restoration
  • Commercial Mold Remediation

Storm Safety Tips

2/5/2018 (Permalink)

Lightning from thunderstorms injures hundreds of people in the U.S. every year and kills dozens. These causalities are easily preventable if you follow these simple safety tips.

1) Listen to the radio and television for severe thunderstorm warnings. The National Weather Service issues warnings for counties and even sends out text messages now to our mobile phones when storms are on their way. Pay attention and heed their warnings for safety.

2) Remember the 30 second rule. If there is not 30 seconds in between the time you see lightning and hear thunder, it’s time to go indoors.

3) Lightning typically strikes the tallest object around so if there is a storm, move indoors if at all possible or into a hard top car if there are no buildings around.

4) Once inside, stay away from windows, plumbing and electrical. If lightning strikes outside, it can carry inside via land lines.

5) Get out of boats and away from bodies of water. If you can hear thunder than you are close enough to get struck by lightning.

6) If you are caught outside, avoid standing by tall isolated objects such as trees. Find a grouping of small trees surrounded by taller ones, avoid bodies of water, and if there is only open spaces, look for a dry low-lying area and try to make yourself the smallest target possible. Do not lay flat on the ground, rather crouch with your head between your knees. Sheds, outhouses and tents provide no safety so keep this in mind when you are hiking or camping. Always think ahead and be prepared in the event that you are caught in a thunderstorm and if possible, turn around on your trip and head home.

Power Outage Tips

2/5/2018 (Permalink)

When a heavy storm hits your area, your power may go out.  Most of us have experienced it before.  It can range from a minor inconvenience that lasts less than an hour, to a multi-day event that requires safety precautions be taken.

If your refrigerator loses power, food and other perishables are safe to consume if the outage lasts 4 hours or less.  After this period, bacteria can grow and cause food to be unsafe to eat. Medications that need to be refrigerated can lose their potency if warmed too much.  Most medications are still effective up to 24 hours after a power loss.  Still check each label to verify. After that period, discard all medications unless otherwise noted.

If an outage occurs in either the winter or summer, extreme temperatures can come into play.  Both heat stroke and hypothermia can affect people if the building without power has no means of temperature regulation.  If too hot, seek out a commercial space that has a generator powering an air conditioning system.