Recent Posts

Preventing Mold in the Bathroom

12/20/2017 (Permalink)

Mold Remediation Preventing Mold in the Bathroom Mold growing in between caulking of a shower/tub.

Mold in bathrooms is a common problem in almost every home. Darkness combined with excessive moisture provides the perfect conditions for consistent mold growth. Constantly cleaning and re-caulking, to keep a growth problem under control, can be time consuming and expensive. The best defense against mold is to prevent it from occurring in the first place. Here are a few tricks to help you stop mold growth in your bathroom:

  • Run the ventilation fan while you are showering, and leave it on for 15 minutes after. If you don’t have a fan open a window or use a dehumidifier.
  • Use a squeegee after a bath or shower to remove some of the excess moisture. Instead of a squeegee, a small towel can be used to dry any accumulated water.
  • Try to avoid keeping a lot of things inside of the bath/shower. They can hide mold growth as well as collecting water to promote it. Children’s toys are particularly notorious for growing mold, so be sure to dry them as much as possible and clean them regularly.
  • Fix leaky faucets and shower heads.
  • Use a shower curtain that can be put in the washing machine. There are also many mold-resistant liners available.
  • Clean out the shower and wash bathroom rugs regularly.
  • Check for any other signs of mold in the bathroom under the sink, behind the toilet, etc.

If you are consistently experiencing mold in your bathroom, regardless of how often you clean, then you may have a larger, hidden growth problem. Call SERVPRO of Wichita Falls at 940-263-1550, and one of our experts will be at your house to inspect the issue promptly.

American Red Cross - Holiday Tips

12/19/2017 (Permalink)

The American Red Cross offers the following safety tips to help greatly reduce the fire risk in your home this holiday season.

  • Place Christmas trees, candles and other holiday decorations at least three feet away from heat sources like fireplaces, portable heaters, radiators, and heat vents. 
  • Make sure that light strings and other holiday decorations are in good condition.  Do not use anything with frayed electrical cords and always follow the manufacturer’s instructions.
  • Always unplug tree and holiday lights before leaving the property or going to bed.

Your local SERVPRO® Franchise Professionals wish you a safe and happy holiday season!

Light the Night... Safely

Kitchen Caution

12/19/2017 (Permalink)

Stay safe this holiday season. Tips from your friends at SERVPRO of Wichita Falls!

SERVPRO donates 35,000 diapers to folks in need following Hurricane Harvey

11/29/2017 (Permalink)

SERVPRO of Wichita Falls was 1 of 240 nationwide franchises that responded for cleanup efforts following Hurricane Harvey.

Are you winter weather ready?

11/29/2017 (Permalink)

Are you prepared for the coming cold

weather? Cold weather can have a huge

impact on your home or business if you

are not ready for it. From heavy rain

and freezing temperatures to damaging

winds, sleet, or snow, all can cause

serious and costly property damage.

While you cannot control the weather,

you can take steps to be prepared and

help take the sting out of winter weather.

To help prevent costly damages due to

weather, consider taking the following

precautions to protect your property

before colder weather hits.

 

- Check your business property

for downed tree limbs and

branches. Wind, heavy rain, ice,

and snow can cause branches to

fall, which could cause damage

to the property and potentially

cause personal injuries.

 

- Roofs, water pipes, and gutters

should all be inspected to ensure

they are in proper order. Gutter

downspouts should be directed

away from your building. Clear

gutters of debris that may have

gathered during the fall. Leaves

and other obstructions can

cause a damming effect, which

can lead to roof damage and

interior water problems.

 

- Inspect property, especially

walkways and parking lots, for

proper drainage to alleviate

flood hazard potential.

 

- Inspect all handrails, stairwells,

and entryways to address and

correct potential slippery or

hazardous areas. Install mats or

non-slip surfaces and post caution

signs where water could be present.

 

- Protect water pipes from freezing

by simply allowing water to drip

when temperatures dip below

freezing. If pipes are under a

cabinet, leave the cabinet doors

open, allowing warm inside air

to circulate around the pipes. If

the building has outdoor faucets,

consider shutting water off at the

main valve in the basement or

crawl space. Once the valve is off,

open the outdoor faucet to ensure

it drains, preventing any remaining

water from freezing in the pipe.

 

Ask your local SERVPRO®

Franchise Professionals about

completing an Emergency READY

Profile® (ERP) for your business.

The ERP is a no-cost assessment

to your facility, and provides

you with a plan to get back in

business fast following a disaster.

When winter weather strikes, call

your local SERVPRO® Franchise

Professionals to strike back.

 

SERVPRO Industries honors SERVPRO of Wichita Falls

6/5/2017 (Permalink)

Storm Damage SERVPRO Industries honors SERVPRO of Wichita Falls Storm Response Crew

SERVPRO Industries, Inc.

May 31 at 1:15pm · 

Storm Spotlight: This month, we shine a light on SERVPRO of Wichita Falls for their bravery and commitment as leaders in storm response.

One of the first responders during a major hailstorm in Wylie, TX, this team worked tirelessly to assist their neighbors in the North Dallas area. Thank you, SERVPRO® of Wichita Falls, for your dedication to your community!

SERVPRO of Wichita Falls will celebrate their third anniversary in July. As past employees of a California franchise, Kaycee and Aaron Ryan had the experience and drive to become frequent responders to storm events nationwide in the last 2.5 years. Last April, a major hailstorm hit the town of Wylie, TX damaging roofs, windows, and siding which allowed rainwater to intrude into homes and businesses. SERVPRO of Wichita Falls was one of 19 Franchises that answered the call to assist their neighbors in the North Dallas area. After they produced all jobs that were dispatched to them, SERVPRO of Wichita Falls was the first to have all job files complete and turned in to the Storm Site. 

Storm Events Include:

Detroit, MI 8/2014

Washington, DC 2/2015

Springfield, MO 1/2016

Wylie, TX 8/2016

Joplin, MO 5/2017

Rockport & Port Aransas (Hurricane Harvey) 9/2017

Micro-storm Events Include:

North Texas 5/2016

Lawton, OK 8/2016

North Texas 10/2016

SERVPRO of Wichita Falls - Storm Response Crew

3/6/2017 (Permalink)

Storm Damage SERVPRO of Wichita Falls - Storm Response Crew SERVPRO of Wichita Falls - Storm Response Crew

SERVPRO of Wichita Falls - Storm Response Crew


We have responded to every nationwide mobilization call from SERVPRO Corporate since this franchise opened in 2014.


Detroit, MI 8/2014 


Washington, DC 2/2015


Springfield, MO 1/2016


Wylie, TX 8/2016


North Texas 5/2016


Lawton, OK 8/2016


North Texas 10/2016

Is a renter's policy worth the investment?

3/6/2017 (Permalink)

Community Is a renter's policy worth the investment? Fire caused by faulty Scentsy candle warmer.

Recently we had two apartment complexes in our area that experienced fire damages.  Unfortunately, many of the tenants did not carry insurance for their contents and most of their contents were lost or required professional cleaning that they could not afford.  Please review the attached article from Texas TDI regarding the frequently asked questions for renter's insurance and remember that any insurance agent that you approach will provide a free renter's insurance quote.  It's worth the investment to protect your belongings. 

The average household has over $10k in electronics alone so having a spreadsheet with contents documented with paid receipts will also go far in helping you through a claims process should it ever happen.  With easy access to our phones and video documenting these days, also consider creating a room by room video documenting the contents you own, where you purchased them and when.  Keeping a flash drive with all of this pertinent information and documentation in your safe deposit box or safe could save you countless hours in the future.

 

 

http://www.tdi.texas.gov/pubs/consumer/cb043.html

Renters Insurance

(June 2016)

If you live in a rented house or apartment, you'll need renters insurance to protect your personal property. Renters insurance pays to repair or replace personal property - things like your clothes, furniture, and electronics - if they are stolen or damaged. Renters insurance won't pay to fix the house or apartment building if it's damaged. The building owner's insurance policy covers that.

Some landlords might require you to buy renters insurance as a condition of your lease.

Types of Policies

Insurance companies sell two types of renters policies. They have different amounts of coverage.

  • Named-perils policies cover property that's lost or damaged because of events listed in the policy, such as fire and theft. These policies won't cover losses caused by events that aren't listed in the policy. Named-perils policies are also called specified perils policies.
  • All-risk policies cover every type of loss, unless the policy excludes it. These policies are more expensive than named-perils policies because they cover more losses. All-risk policies are also called comprehensive or open-perils policies.

All renters policies have a total dollar limit. The dollar limit is the most the insurance company will pay you for a claim, even if the cost to repair or replace your property is higher. Make sure you buy a policy with a high enough dollar limit to replace your property if it's stolen or destroyed.

A deductible is the amount of a covered claim you pay. For example, if you have $25,000 in damages with a $250 deductible, the insurance company will deduct $250 from the amount it pays you.

Renters Insurance Coverages

Renters insurance policies typically include three types of coverages: personal property coverage, loss of use, and personal liability.

  • Personal property coverage pays to repair or replace your personal property, up to your policy's dollar limit. In addition to a total dollar limit, policies may limit payments for certain kinds of property. Common limits are $100 for cash, $2,500 for personal property used for business, $500 for valuable papers, and $500 for jewelry, watches, and furs.
    Renters insurance also covers your luggage and other personal items when you travel. This coverage is usually limited to 10 percent of the amount of your policy or $1,000, whichever is greater.
  • Loss of use pays your additional living expenses for things like food and rent if you have to temporarily move from your house or apartment. Loss of use coverage is generally limited to a percentage of a policy's personal property coverage.
  • Personal liability protects you against a claim or lawsuit if someone is injured in your home. The amount the policy will pay varies by company.

Note: Ask about buying additional coverage if the value of your personal property is more than your coverage limits. People often buy endorsements to add or increase coverage for jewelry, fine arts, antiques, computers, and electronics.

Also consider additional liability coverage if you don't think the basic limits are high enough. Your company might require higher limits if you have potentially dangerous items like a pool or trampoline.

Actual Cash Value vs. Replacement Cost Coverage

Renters policies usually pay for losses on an actual cash value basis. This means the insurance company will subtract an amount for depreciation and wear and tear from the value of your property before paying your claim. For example, if someone steals your five-year-old television, the insurance company will only pay you the cost of the television minus the depreciation and your deductible. The settlement amount won't be enough to buy a new TV similar to the one that was stolen.

For a higher premium, you can buy replacement cost coverage. Replacement cost coverage pays what it would cost to replace your property, minus your deductible and up to your policy's dollar limit. This coverage could provide you with enough money to buy a new TV like the one that was stolen.

If you have replacement cost coverage, some policies will pay up to $1,500 to repair or replace your damaged property, without applying depreciation. However, if the damage exceeds $1,500, the company will pay the loss on an actual cash value basis. You must then repair or replace the property with an item of like kind and quality before the company will pay the remaining amount of your claim.

Other policies pay replacement cost differently. Read your policy or ask your agent to find out how your policy pays a claim.

Note: A complete inventory of your personal property can be helpful if you ever file a claim. Your inventory should list each item, its purchase date, value, and serial number. Take pictures or a video of each room, including closets, open drawers, storage buildings, and garage. Keep the inventory and receipts for major items in a fireproof place or another location. Use the Texas Department of Insurance's Home Inventory Checklist to help you create your inventory.

Coverage for College Students and Dependents

College students and other dependents living away from home probably don't need renters insurance if they're covered under their parents' or guardians' homeowners policies. Ask your agent or company if your policy covers children and dependents living away from home.

Homeowners policies generally cover a dependent's personal property at 10 percent of the policy's personal property limit. For example, if the parent's insurance policy has a personal property limit of $50,000, their dependents have $5,000 in coverage while living away from home. Dependents also receive 100 percent liability coverage.

Shopping for Insurance

Rates vary among companies, even for the same or similar coverages. It pays to shop around. The following tips can help you shop:

  • Keep an inventory of your property to keep track of what you own and its value. Make sure you buy enough coverage to replace your property if it's stolen or destroyed.
  • Get quotes from several companies. Use HelpInsure.com to help you compare companies and shop for insurance. The comparison guide lists sample rates for renters insurance based on $25,000 coverage on your personal property.
  • Ask about endorsements if you want more coverage than the policy provides.
  • When comparing prices, be sure you understand the coverage that each policy provides. A cheaper policy could provide less coverage.
  • When getting a price quote or applying for insurance, answer questions truthfully. Wrong information could cause you to get an incorrect price quote or could lead to a denial or cancellation of coverage.
  • Consider factors other than cost, such as a company's financial strength and complaint index. The financial rating indicates a company's financial strength and stability, and the complaint index is an indication of its customer service record.
  • Review your credit score. Some companies use your credit score when deciding what rate to charge you. It's a good idea to look at your credit reports each year and correct any errors. For more information about credit scoring, visit TDI's Credit Scoring and Insurance web page.
  • Buy only from licensed companies and agents. Learn more about a company, including its license status, complaint history, and financial rating from an independent rating organization by calling TDI's Consumer Help Line or by visiting our website

Having Trouble Finding Renters Insurance?

The Texas FAIR Plan Association offers a tenant policy for qualified consumers who can't get renters insurance from a licensed company. To be eligible for this coverage, you must have been denied insurance by at least two Texas-licensed property insurance companies and may not have received a valid offer of similar insurance from a company licensed in Texas.

FAIR Plan policies are available only through Texas-licensed agents. For more information, contact your agent or the Texas FAIR Plan Association at 1-800-979-6440 or online.

Get Help from TDI

For insurance questions or for help with an insurance-related complaint, call the TDI Consumer Help Line at 1-800-252-3439 or visit our website.

Visit HelpInsure.com to shop for automobile, homeowners, condo, and renters insurance, and TexasHealthOptions.com to learn more about health insurance and your options for coverage.

The information in this publication is current as of the revision date. Changes in laws and agency administrative rules made after the revision date may affect the content. View current information on our website. TDI distributes this publication for educational purposes only. This publication is not an endorsement by TDI of any service, product, or company.

For more information, contact: ConsumerProtection@tdi.texas.gov or 1-800-252-3439

Catastrophic & Historic Rain Fall for Texas

10/30/2015 (Permalink)

Storm Damage Catastrophic & Historic Rain Fall for Texas Catastrophic & Historic Rain Fall for Texas

Pray for the Texans' in the affected areas and that we don't have any more tragedies of folks getting swept away in flash floods. Homes and contents are just "things," stay alert and evacuate your family if notified! If the roadway in front of you is under water, turn around and choose an alternate route. Vehicles can hydroplane or be swept from the roadway in as little as a few inches.

If your home sustains water intrusion and damage, there are over 1700 franchises nationwide to help get your home back to pre-loss condition.

SERVPRO is "Ready for whatever happens."
1-800-SERVPRO

http://texasstormchasers.com/2015/10/30/catastrophic-historic-flooding-underway-in-parts-of-central-texas-updated-forecast-this-afternoon/

Freeze Warning in Effect for Texoma

10/31/2014 (Permalink)

Storm Damage Freeze Warning in Effect for Texoma Frozen copper pipes!

http://www.timesrecordnews.com/news/lifeline/rain-chances-improve-following-first-freeze-warning-of-season_29981974

While we are all praying for the much-needed rain to help Texoma recover from the Stage 5 drought, be aware for sudden drops into freezing temperatures.  If you have not winterized any of your exterior pipes, keep an eye out for cracked pipes as the day continues tomorrow.  Every winter season in Texoma, brings freeze events where we see several homes with broken pipes in attic spaces as well as exterior water intrusions due to cracked exterior pipes.