What To Know About Claims Management Software
Your insurance company uses claims management software to streamline the filing process.
Here Is Some Basic Information About This Software
Providers need an efficient way to handle an insurance claim they receive. When you notify your provider about a disaster in your business in Draper, UT, it kicks the process off. During this process, agents need a way to track costs, work with a disaster remediation company, such as SERVPRO, avoid fraud, and streamline their communication. The way they do this is with claims management software.
What Are Common Features?
Most insurance claim management software comes with a set of standard features that helps agents perform their jobs. This includes:
- Claims tracking
- Electronic claims
- Data exchange
- Fraud management
- Inventory management
- Customer portals
- Customer relationship management
What To Consider When Purchasing It?
As with any software purchase, companies need to think about certain aspects of the insurance claim management software they buy. For instance, the type of software they buy is a big factor. Both on-premises and cloud-based software are available. On-premises is traditional software installed at an office location, while cloud-based is run through the internet. On-premises software tends to be used because it is more customizable. On the other hand, cloud-based systems don't cost as much. Each vendor will evaluate these factors when choosing the right software.
Additionally, insurance companies need to think about what additional features they need. Some may want incorporated accounting or business intelligence systems. Items such as these can enhance the claims management system. Therefore, these are common add ons. Furthermore, an agency will need to think about the type of insurance they offer. Then, they can choose an appropriate system for their offering. For instance, those that offer property coverage are going to have different requirements than business interruption companies.
Your insurance company uses claims management software to streamline the filing process. This makes it easier for an insurance agent and business owner to file a claim and get it processed quickly.
How To Limit the Impact of the Spring Thaw
Steps To Prevent A Spring Thaw
The spring brings gorgeous sunshine and beautiful flowers. However, springtime can also lead to massive flooding. Increased rains and melting snow put properties in South Jordan, UT, at risk for water damage. Fluctuating temperatures could also cause a frozen pipe to burst. While you cannot change the weather conditions, you can take steps to prevent a spring thaw from destroying your business.
1. Clear All the Snow
Any snow near your property could melt toward your building as the temperature rises. You should thus shovel the snow away from the premises. Make sure that there are no obstructions blocking the path of the thawed snow.
Melted snow on the roof could be harmful, as well. It could easily leak into your building. Safely eliminate any snow that remains on the roof. Snow and ice should also be removed from the downspouts and gutters.
2. Pay Special Attention to the Basement
If your property has a basement or crawlspace, you probably know how prone that area is to flooding. Consider installing a sump pump to remove any excess water from the property's foundation. Be sure to test and clean the pump regularly.
You should also avoid storing any valuable items in the basement. If you have to keep important company electronics or documents in that room, at least put them onto higher shelves.
3. Get Insurance
If a spring flood does occur, you do not want to spend your company's hard-earned profits on commercial restoration services. That is why you need proper insurance. While commercial property policies do not include flood coverage, you can purchase flood insurance separately.
Flooding is quite common during the spring months. The combination of melting ice and snow and heavy rainstorms could be disastrous for a commercial building. However, you can take steps to reduce your flood risk and lessen the impact of any water damage that takes place.
3 Tips for Handling a Musty Scent in Your Building
Mold smell is less than ideal
3 Tips for Handling a Musty Scent in Your Building
Have you recently noticed or received complaints about a musty odor permeating the air in your commercial property in West Jordan, UT, but cannot identify a visible source? This may be a mold smell or a mildew smell.
Note that while mold and mildew are not technically the same, mildew is a type of mold, usually "early stage" or "young" mold growing flat; hereafter, the term "mold" will be used with the understanding that mildew is included in its usage.
Even if you do not see patches of it crawling along the walls in plain view, the ubiquitous mold is present in virtually every structure as spores in the air. The fungus smell is the result of the production of chemicals as mold grows and spreads. Since it indicates the presence of an organism capable of damaging a building's materials and structural integrity, it is important to deal with it as soon as possible. Here are some tips for doing so.
1. Contact a Professional
A professional cleanup and restoration service is more equipped to handle this kind of issue than an inexperienced individual. You should contact one to perform thorough remediation of any areas the fungus has invaded.
2. Locate Potential Areas of Origin
The mold smell may originate from hidden places such as behind walls, in ceilings and under floors. Any area that is wet, cool and dark might harbor mold. Areas you should check include:
- HVAC systems
- Storage areas
If you experience difficulty finding discernable signs of the fungus, a low-temperature range thermal/infrared camera can help identify concealed moisture that might be acting as a breeding ground for it.
After the professional has removed any mold found and sanitized its previous resting place, you should take measures to ventilate the rooms/building where it formerly resided. Examples of such actions include using fans and opening windows. This will help circulate fresh air while pushing out the musty air and dry up remaining moisture that might promote the return of the microbes.
Mold smell is less than ideal. However, with the aid of a professional, it can be dealt with easily.
4 Ways Winter Storms Can Damage Your Home
A winter storm can cause serious problems to your home in Daybreak, UT
Winter Storms Can Cause Serious Damage To Your Home
To some, the phrase “winter storm” conjures up images of snuggling up under a cozy blanket in front of a crackling fireplace, sipping hot chocolate, and watching the snowflakes swirl. Blizzard conditions might be romantic in the movies, but in real life, these storms can cause a lot of damage to your home.
1. Ice Dams
Snow and ice on your roof tend to melt somewhat during the day, then freeze again as they drip into your gutter, creating blocks of ice known as ice dams. The gutters become clogged with ice and snow. With nowhere to go, water begins to re-freeze along the tops and edges of the gutter, which can result in enormous ice dams. Ice dams are heavy and cause significant strain to your gutters and roof. Worse, as the ice expands, it can get forced under the roofline, causing major leaks and other roof damage.
2. Cracked Caulking
The caulking around windows and doors is particularly susceptible to winter storm damage. Freezing outside temperatures and warmer indoor temperatures create pressure on the glass. During the day, sunshine on the glass may warm the windows considerably, and then the window temperature drops dramatically at night. These wide fluctuations in temperature cause the caulking to crack, allowing warm air to escape and cold drafts to enter the house.
3. Frozen Pipes
When the outside temperatures drop, exposed outside pipes are at risk of freezing. When water freezes, the molecules expand. When the water inside your pipes expands rapidly, the pressure on the pipes becomes too great, causing the pipe to burst.
4. Frost Heave
Frost heave is the term for the common winter cycle in which the ground freezes, thaws, and freezes again. This cycle causes the soil under your home to move, which can result in a cracked foundation and basement leaks.
A winter storm can cause serious problems to your home, requiring major water damage cleanup when the temperatures warm up. Be proactive and take steps to protect your house before winter weather hits Daybreak, UT.
5 Simple Steps for Flushing a Water Heater
Flushing your water heater is an easy way to prevent costly repairs
5 Simple Steps for Flushing a Water Heater
A dirty water heater can affect the quality of the water in your Herriman, UT, home. The buildup of sediment in the heater could cause the appliance to burst, as well. This, in turn, could flood your house and necessitate water damage remediation services.
Therefore, to keep your property dry, you should regularly flush sediment from the heater. A water heater flush is quite simple. Just grab a screwdriver and garden hose and follow the below steps.
1. Turn Off the Heater
For gas heaters, simply turn off the gas before you start the flush. You can shut off electric heaters via the circuit breaker.
2. Prepare the Hose and Drainage Location
Attach one end of the garden hose to the heater's drain valve. Place the other end of the hose in an area of your property that will not be harmed by the excess water and sediment from the water heater. Since you will be dealing with hot water and dirty sediment, be sure to put on work gloves before moving on to the next step.
Next, open the drain valve and allow the water to flow for a few minutes. You should turn on the hot water faucet in the kitchen to speed up the process. After several minutes, turn off the supply valve entirely. Once the water has stopped flowing, turn on the valve and do another quick flush before closing the valve.
4. Close the Valves
After draining the sediment and water from the heater, close all the open valves and turn on the water supply. Check the open kitchen faucet to make sure the water is flowing smoothly.
5. Turn on the Heater
Once a consistent flow of water emerges from the faucet, you know the heater tank is full. It is then safe to restore power to the heater.
Flushing your water heater is an easy way to prevent costly repairs. This basic chore will also ensure that your family has reliable hot water all year long.
What To Do When Smoke From an Adjacent Building Harms Your Property
Smoke damage in a building
What To Do When Smoke From an Adjacent Building Harms Your Property
A fire can affect your business even if the blaze does not occur within your property. Fires in adjacent buildings can also cause major smoke damage to your premises. Here are some steps to follow if soot or ash from a nearby fire spreads onto your property.
1. Call Insurance
Thankfully, this type of loss is still covered under most commercial insurance policies. Contact your insurance provider right away and tell the adjuster both the location of your building and the site of the actual fire. You should also explain what items were damaged and discuss whether those assets need to be repaired or replaced. Be sure to also tell the adjuster whether you will have to temporarily close your business during the restoration.
2. Document the Loss
The insurance company will not just rely on your description of the smoke damage. The adjuster will also want proof of the harm. You should thus take photos of the affected areas before attempting any cleanup. Do not forget to photograph the insides of dirty closets and drawers. Providing the insurer with a written list of the harmed items should also expedite the cleanup process.
3. Contact the Pros
If left unaddressed, smoke and soot damage can linger in your building for years. Removing the odors, in particular, takes specialized skills and training. You should thus use the insurance money to pay for emergency cleanup services. The remediation professionals should be able to remove ash from items hidden in storage areas. They should also know how to safely clean electronics.
Soot and ash from a nearby fire can easily enter your commercial property. If this happens to you, take photos of the smoke damage and contact restoration professionals in Bluffdale, UT. You should also call your insurance provider. This loss should be included in your policy, so the smoke cleaning will not greatly affect your business' finances.
Commercial Mold_49_Understanding Mold Insurance Claims
Mold damage in South Jordan, UT
Regardless of the type of business owned in South Jordan, UT, having general commercial liability insurance is an essential component to being successful. Knowing that the unexpected can happen, having it provides peace of mind. That can only happen if you understand what your policy actually covers. When it comes to mold insurance claims, various factors are considered by insurers to determine if mold damage remediation and restoration will be covered.
What Might Be Covered?
Since not every policy or insurance company is the same, having a clear understanding of your personal policy is essential. In most cases, accidental water losses will include mold issues. For mold insurance claims that are accepted, they typically cover:
Repairs, removal and replacement of materials directly damaged by the mold.
Damage incurred to non-affected materials that need to be removed to access areas with hidden growth.
Costs associated with testing to ensure the problem has been resolved.
What Might Be Denied?
When it comes to mold remediation, most insurers have a list of exclusions that may result in a mold claim being denied. Ranking high on that is list is a failure to address a long-term leak or structural defect. In these cases, the mold is considered secondary damage that could have been avoided if repairs were made sooner. The claim may also be denied if the mold spread to non-affected areas because precautions weren’t taken to contain a water loss. Whenever renewal time comes around, it is important to thoroughly read through the policy and ask your agent questions. There may possibly be new exclusions or changes, so it is better to know what they are before a problem happens.
Although not all mold insurance claims are accepted, there are many situations in which they will be. Having a clear understanding of your policy will help keep you better prepared for potential issues down the road.
Water Damage During Construction Is Easy to Prevent
Broken pipe causes water damage in Draper, UT
Water damage is probably the largest cause of loss and insurance claims in Draper, UT, during construction. Not only will this increase construction costs, filing a claim will raise your insurance premiums. Flooded areas are dangerous to enter and a water pipe repair can delay the construction process. Fortunately, prevention is easy and relatively cheap.
Prevention Throughout the Process
There are three basic stages of the construction process:
- During construction
- Post construction
Each requires a different strategy to reduce the risk of a broken pipe. You also need to consider how water will run off your property and how construction can impact that.
Planning is the most critical part of the process. Engineers need to consider where existing water supply lines are and how water from storms is presently flowing through the property. Normally, this is part of your quality assurance and quality control process.
Silt fencing is a good way to control water and prevent it from directly entering streams and lakes. It’s cheap and generally effective when used properly. Existing plumbing should be well marked so workers know exactly where water lines are.
Breaking a supply line can stop a construction project dead until the water pipe repair is completed and the impact of the flood cleaned up. This usually will require a top water damage mitigation expert to help you get back to work as fast as possible.
You should dedicate a team that’s focused on preventing water damage. They’ll know in advance where the day’s activities are, along with weather forecasts and precisely what water supply lines might be impacted. They should also require that the building envelope be completely sealed before any finishing work is attempted.
Post Construction Efforts
Water from a storm runoff can take surprising routes. When the construction is finished, your team needs to reevaluate where the runoff is now directed to and take all necessary steps to ensure it’s not causing damage, either on your property or to someone else’s. Once all this is done, you should be safe going forward.
How To Use a Fire Extinguisher
Most operate by using the P.A.S.S. technique
How you respond in the face of a fire emergency can affect the safety, health, and livelihood of yourself and many others. While evacuating and calling the fire department is always the best idea in the face of major fires, knowing how to operate a fire extinguisher could prevent a small fire from spreading. For example, a kitchen fire in your home in Riverton, UT, might be able to be stopped or contained by the proper use of an extinguisher.
How To Use a Fire Extinguisher
If it is safe to do so, use an extinguisher on small fires. They are simple to use. Most operate by using the P.A.S.S. technique.
Pull - Pull the pin.
Aim - Aim low while pointing the extinguisher hose at the base of the fire.
Squeeze - Squeeze the handle to release the extinguishing agent.
Sweep - Sweep the flow of the extinguishing agent from side to side at the base of the fire until the fire appears to be out.
When the fire appears to be out, back away from the area in case it reignites. If it does reignite, repeat steps two through four of the P.A.S.S. technique. If the fire grows beyond small flames or is resistant to your efforts, evacuate immediately and call the fire department.
What To Do Next
If you called the fire department, back away to a safe area and wait for them. Do not attempt to go back into the home, even if the flames seem to be smaller. If you managed to put out the fire safely on your own, turn your attention to clean up and repairs. Fire damage to your home can be devastating and messy. In addition to the fire and smoke, flooding and the extinguishing agent add to the mess to be cleaned. Restoration specialists can help clean and restore your home to safe and livable conditions.
Fires are dangerous, unpredictable events that have the potential to cause devastation and threaten lives. Everyone should know the simple steps to operate a fire extinguisher.
How To Clean Your Home After Sewer Exposure
Sewer damage in Daybreak, UT
Three Things That Should Be Done For A Completed Restoration
Homeowners often face challenges. Owning a home, after all, isn't always simple. Things break, and unfortunate circumstances occur. A backup in the plumbing lines is not expected or pleasant; rather, it leaves residents to face a bacterial hazard and unwanted sewer cleanup. When this happens, swift action should occur to appropriately sanitize the space.
1. Understand the Reason for the Backup
The sewer backup occurred because something interfered with the lines. If not fixed, it will happen again, only making the situation worse. Use an auger, snake, to free the pipes from any obstructions. Begin at the source of the overflow. If the nothing is found, continue to go throughout the house. In addition, examine the external area for signs of breaks. These often appear as dips or holes in the ground.
2. Eliminate the Excess Moisture
Lingering wetness leads to mold growth and damages the structure; therefore, concentrate on ridding the space of fluid. Dry the floors and walls, and run dehumidifiers as part of the sewer cleanup procedures.
3. Toss Saturated Porous Objects
The flooded toilet exposed absorbent materials to microbes. These spores delve deep into the substances, making it harder to disinfect. Removing excessively damp items minimizes exposure and potential secondary concerns. Take out drenched carpet, make flood cuts in the dry wall and throw away contaminated personal property.
4. Scrub Anything Nonporous
Fixtures that cannot pick up organisms may be washed with warm water and soap. Then, apply a disinfectant such as an antimicrobial spray. Specialists who work for a sewage cleanup company in Daybreak, UT, can evaluate the valuables and work to salvage what they can.
During sewer cleanup efforts, consider the level of exposure and saturation. Anything that could harbor bacteria should be eliminated. What is left may be cleaned and used again. When in doubt, turn to professionals to offer assistance and advice.