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insurance nWater and Flood Damage Insurance Claims

If you have suffered domestic or commercial water damage, the very best advice we can give you is to contact us as soon as possible - whether or not you have already made your claim.

With years of experience working with insurance claims, our core competency is project management whether it is residential or commercial water damage insurance restoration. We turn our estimates around quickly, and we communicate frequently with you and liaise with your insurance company to ensure a speedy response. Our surveys are fair and accurate and we work to a set of rates approved by the majority of the Insurance companies. All reports and surveys are submitted to the insurance company with digital photos to ensure a speed turn around and a quick authorization. After many years of partnering with insurance companies, we have learned the importance of being reliable, accountable and trustworthy.

To gain a better understanding, click here for the claims timeline and claims process.

Health Benefits

duct cleaning and sanitationWhat you can't see can hurt you! Duct cleaning could be the healthiest investment you'll ever make! Concerns about poor indoor air quality continue to grow as increased risks of diseases due to indoor air pollution are identified.

Risks of a variety of health problems increase when duct systems are dirty. Contaminants may include fibers and chemicals from carpeting, formaldehyde and other chemicals from furniture, vapors from cleaning and copiers, hair, dander, dust, dirt, germs from the occupants themselves, bacteria, mold and mildew. According to the American Lung Association, poor indoor air quality contributes to infections, lung cancer, chronic lung diseases such as asthma, as well as headaches, dry eyes, nasal congestion, nausea, and fatigue. The employer who provides a safe environment with the good indoor air quality reaps tremendous benefits such as decreased absenteeism, increased productivity, increased profits, improved employee health, and reduced health costs. Reduce the chances of airborne illnesses by calling us for a free HVAC inspection of your building.

Compliance

The Environmental Protection Agency recommends proper maintenance of ventilating systems to improve IAQ in public buildings.

The EPA recommends that commercial and light commercial buildings should have their duct systems inspected every 2 years. Residences should also have their duct systems cleaned every 2 years. Hospitals and health care facilities should have their duct systems inspected every year.

Monetary Savings

In addition to savings from decreased absenteeism and reduced health costs, cleaning the air duct networks can result in more efficient operation of the HVAC system and reduced utility bills. After cleaning, your heating and cooling systems will be more efficient. The average reduction of operating costs of an HVAC system after duct cleaning is 10 to 25%.

Call us for a free HVAC inspection. Expert Restoration Service has integrity, advanced technology, and the industry's top certification.

You should consider having the air ducts in your home cleaned if there is substantial visible mold growth inside hard surface (e.g., sheet metal) ducts or on other components of your heating and cooling system. There are several important points to understand concerning mold detection in heating and cooling systems:

• Many sections of your heating and cooling system may not be accessible for a visible inspection, so ask the service provider to show you any existent mold.
• You should be aware that although a substance may look like mold, a positive determination of whether it is mold or not can be made only by an expert and may require laboratory analysis for final confirmation. For about $50, some microbiology laboratories can tell you whether a sample sent to them on a clear strip of sticky household tape is mold or simply a substance that resembles it.
• If you have insulated air ducts and the insulation gets wet or moldy it cannot be effectively cleaned and should be removed and replaced.
• If the conditions causing the mold growth in the first place are not corrected, mold growth will recur.

hail damageNeed Help with Indiana roof hail damage? The reputable roofers at Expert Restoration Service can provide help to repair a roof that has suffered from hail damage.

Signs of Hail Damage to Roofs

In Indiana, the last few years has resulted in significant amounts of hail damage. Indiana homeowners need to be proactive in checking for hail damage on their roofs. While hail is common throughout the year, in recent years above average hail storms have occurred. Some of these hail storms have produced baseball-sized hail, which is capable creating extensive damage to residential roofs throughout Indianapolis and the surrounding suburbs.

How Hail Damages a Roof

Hail is dangerous to your home's roof, because it decreases the roof's life expectancy. Damage to the asphalt roof occurs when the protective granular surface of the asphalt shingle loosens and falls off. With the granules removed the shingle loses some of its protection, shortening the lifespan of the roof and making it more susceptible to additional damage.

Roofs that sustain hail damage do not always need to be removed immediately. If left undressed with time the damaged shingles could potentially allow water seepage into the roof.

Tip to Identify Roof Hail Damage

Asphalt shingles are the primary roofing material used on roofs. Below are some common signs your roof has been damaged by a hail storm:

• Dents or bruising on the roof's asphalt shingle
• Granules are missing from the shingle (roofing shingle has 'bald spots')
• Affected roofing shingles feel softer to the touch
• Granules are present in the gutters or at the base of downspouts
• Metal air vents, gutters and siding are damaged and dented

Homeowner's Insurance and Roof Hail Damage

Most policies will cover a roof repair in the event your roof has received damage due to hail. Typically the roof is not repaired, but fully replaced. This is done because the insurance company has recognized the damage to your roof has reduced its life expectancy and its ability to provide protection against potential water damage.

If you are unsure if you homeowner's insurance policy covers hail damage, consult your policy paperwork, or contact your insurance company. Beware of storm chasers going door to door following a storm. Expert Restoration Service has provided an alert and some additional tips about storm chaser scams (link below).

If you have visually inspected your roof and suspect you have hail damage, contact Expert Restoration Service for a professional opinion. Expert Restoration Service will provide you with a full roof inspection, including reviewing potential leakage in the attic.

Contact Expert Restoration Service for a free roofing estimate and quote.

Identifying a Storm Chaser

What is a roofing storm chaser?

A roofing storm chaser is a company that moves into your neighborhood, typically right after a major storm. The company seeks out homes to perform roof repairs, often at bargain prices. The company then takes your money, starts the job and either fails to complete the work, or provides inferior work. Legitimate roofers should not ask for payment up front.

If your home is victim of hail damage or other wind generated damage that is related to a storm such as a tornado, make sure you take extra caution to companies going door to door offering to repair your roof.

Indicators that a Roofing Contractor is Legitimate:

• Local references (check for jobs completed in the last 30 days and over 1 year ago)
• Local Business License (more than one year)
• Member of local BBB (Better Business Bureau)
• Insurance: general liability and workers compensation
• Written manufacturer warranties
• Written labor warranties**

** A written labor warranty is of decreased value from a company that does not have a local presence and is only in town because of storm-related work. In other words, if the roof fails it might be very difficult to get the company to follow up for repair.

disaster 1After a disaster strikes, you may be left feeling disoriented. Not only will you need to be aware of possible post-disaster dangers, but you may need to help assess and repair damages. Dispatch immediate assistance call 317.643.1207. We will secure your property and walk side-by-side with you through the recovery process so that we can restore your property and restore your life to pre-storm condition.

The right type of action after a disaster can make a major clean-up job or an everyday clean-up job easier.

For your protection, immediately following a disaster you should:

• Check the area around you for safety. In the case of biological, chemical or radiological threats, listen for instructions on local radio or television stations about safe places to go.
• Have injuries treated by a medical professional. Wash small wounds with soap and water. To help prevent infection of small wounds, use bandages and replace them if they become soiled, damaged, or waterlogged.
• Some natural hazards, like severe storms or earthquakes, may recur in the form of new storms or aftershocks over the next several days. Take all safety precautions if the hazard strikes again.
• Avoid using the telephone (cellular or landlines) if a large number of homes in your area have been affected by a disaster. Emergency responders need to have the telephone lines available to coordinate their response. During the immediate post-disaster time period, only use the telephone to report life-threatening conditions and call your out-of-town emergency contact.
• Remain calm. Pace yourself. You may find yourself in the position of taking charge of other people. Listen carefully to what people are telling you, and deal patiently with urgent situations first.
• If you had to leave your home, return only when local authorities advise that it is safe to do so. Also, be sure to have photo identification available, because sometimes local authorities will only permit people who own property in a disaster-affected area back into the area.
• Except in extreme emergencies or unless told to do so by emergency officials, avoid driving during the immediate post-disaster period. Keep roads clear for rescue and emergency vehicles. If you must drive, do not drive on roads covered with water. They could be damaged or eroded. Additionally, vehicles can begin to float in as little as six inches of water.
• If the disaster was widespread, listen to your radio or television station for instructions from local authorities. Information may change rapidly after a widespread disaster, so continue to listen regularly for updates. If the power is still out, listen to a battery-powered radio, television or car radio.
• If the area was flooded and children are present, warn them to stay away from storm drains, culverts, and ditches. Children can get caught and injured in these areas.

Storm DamageDamage caused by windstorms or tornadoes can run the gamut from being very minor to so severe that the home is rendered a total loss. On homes that can be repaired, it is extremely important that measures be taken immediately to minimize additional damage. From tarping your roof to boarding-up window openings, Expert Restoration Service is always available - 24 hours a day, 7 days a week, 365 days a year - to provide emergency services to protect your property.

Severe wind can also often cause damages hidden from routine inspection, such as split or twisted framing or misaligned walls. Regardless of the extent of damage, we are experts in providing emergency services and restoring your property with minimal disruption to your everyday life.

You can trust Expert Restoration Service to do the job right!

Expert Restoration Service is your best source for providing these necessary repairs. We are committed to communicating with you what is happening, at the time it happens. We work with insurance representatives, such as adjusters and agents, to ensure that repairs are completed correctly the first time and on schedule. At Expert Restoration Service, we are a network of dedicated people with a compassionate understanding of what you have gone through.

What can you do?

There are some steps you can take before we arrive. However, always put your health and safety first. Many of the injuries that occur from windstorms, tornados, or hurricanes actually occur during the clean-up process, well after the storm has subsided. Please do not take any unnecessary risks, but time is critical in minimizing additional damages.

• Contact Expert Restoration Service, we can work with your insurance company to ensure YOUR home and claim are priority!
• Report the damage to your insurance company as soon as possible. Most companies have a toll-free call center number or you can report the loss to your agent.
• If you have lost power, and it is safe to do so, remove perishable foods from your refrigerator and freezer. The odor created by spoiled food is usually impossible to remove.
• If you have not lost power, be very careful to watch for wires that may have been pulled down by wind or falling tree limbs.
• Keep a listing of anything you have discarded and receipts for any expenses you incur in protecting your property.
• If you must relocate, even temporarily, give your insurance company a phone number where you can be reached. You want your home back to the condition it was in prior to the wind damage.

At Expert Restoration Service we know just how to do that.

How can you help?

Your home has suffered wind damage, but you are headed in the right direction to determine what the next step is. Here are some tips to take to be better prepared for the next storm:

• Reinforce your garage doors to withstand strong winds.
• Glue your roof down. From inside the attic, apply construction-grade glue along the joints where the sheathing rests on the rafters or truss.
• If you plan on replacing your roof, have your roofer remove all layers down to the wood sheathing. Make sure rafters and trusses are securely connected to the walls. Refasten the existing wood sheathing according to builder-code requirements.
• Reinforce double-entry doors with heavy-duty foot and head bolts.
• Make sure screened porches and carports are properly fastened to the house.
• If your house has gable ends, brace them with anchored beams perpendicular to the truss.
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