Disaster Restoration Info from Complete DKI
Water Damage Pensacola
Water damage in Pensacola is an everyday occurrence, and it happens more often than not. Questions you might be asking yourself is “What is water damage exactly? “ . Water damage is a large number of possible occasions that can happen when water leaks, or burst causing a flooding in the house. For instance, the toilet on the second floor can overflow in the middle of the night causing water to pour all over the bathroom floor. The water will then spread into the carpet on the hallway and continue to spread throughout the floor until the source is stopped. It can soak into the walls as well. With it being on the second story, the water has a chance of soaking through the floor and flooding the story below it. Leaking roofs, busted pipes, broken dishwasher hoses, overflowing washing machines are all different causes of water damage.
If you experience water damage in your home, time is of the essence. You need to get it removed as soon as possible. To restore your home If the water sits, it will start destroying material. It will rot wood, start to grow mold, rust metal and so much more. Moisture promotes the growth of mold and other organisms. The faster you act when there is water damage, the better chance you have of saving materials that have been damaged in your home. Complete DKI specializes in the mitigating the effects of water. We have a trained staff of certified employees ready to help in situations like this. Complete DKI uses the highest quality equipment, and well documented procedures to control the water damage.
Complete DKI’s staff will extract the water from the carpet, tile, hardwood floors, and so on. We take moisture readings and pictures in every room effected by the damage and we document everything. Once the water has been extracted we will start the drying process. The staff will set up high quality dehumidifiers and fans to dry out everything that has been effected. There are several different categories of water damage that include :
Category 1 – This is clean water, or water that does not pose a hazard to humans. This type of water usually comes from a sink overflow or broken appliance pipe.
Category 2 – This water is also called ‘gray water’. This water is contaminated and may cause sickness if ingested. Broken toilets or seepage may cause this type.
Category 3 – This water is known as ‘black water’ and is unsanitary. This contains bacteria and other organisms that cause sickness. Sewage problems and contaminated still water can cause this.
If a Category 3 water loss occurs, everything must be removed. Which means, whatever the water has come in contact with or has soaked into, has to be taken or cut out, such as walls, floors, shelves, ductwork and more. If you or someone you know experiences water damage in Pensacola, call Complete DKI at our Florida location at (850)-225-5354. Our staff is on call 24/7 always ready to help.
Assignment of benefits (AOB) allows the contractor to stand in the shoes of the homeowner for insurance collection purposes. This legal arrangement allows unscrupulous contractors to over inflate or submit improper claims, causing legal battles between the contractor and the insurance company, with the consumer left out of the picture. It gives all the rights provided to the homeowner in the insurance policy to the contractor. AOB is commonly used when a homeowner experiences a water loss, suck as a leaking pipe, or an overflow from a sink. Complete DKI does not use Assignment of Benefits.
You also have Direction to Pay, which gives the insurance carrier permission to put Complete DKI’s name on the check. Property Restoration is one of the only industries that all the work is preformed before any money is paid to the contractor. A direction to pay allows the insurance company to include Complete DKI on the payment. This helps insure that Complete DKI is paid for the work performed.
If you or someone you know experience a damaged pipe, or overflow of a toilet, call Complete DKI first. Complete DKI has a call before you claim program that encourages you to call us before you make your claim. By doing this, it can reduce your claims ratio by knowing the severity of the loss. Contact Complete DKI to evaluate the loss, and we will also advise homeowners on steps to take to prevent further damage. Complete DKI also does a loss follow up, we will contact you with details of the loss and pictures. If you or someone you know experiences water, fire, wind, or mold damage, call Complete DKI at 850-225-5354. Our uniformed, trained staff of 40 employees are willing to help 24/7.
Homeowner Declarations Page
A homeowner’s declarations page is the portion of a homeowner’s insurance policy that outlines the amount coverage, the names of those insured, the property’s location, lienholders information, and the yearly premium amount. The page is typically in an easy to read format and includes the name of the insurance company.
“Who” – Gives the name and address of the insured. Also shows who your agent is and includes their contact information, such as address and phone number.
“What” – Provides the policy number and the policy period.
“Where and Who” – Indicates where the property is located. Includes name and address about the mortgagees or other parties that have an additional interest in the property.
“Which” – Outlines the coverage and deductible for dwelling, other structures, personal property, additional living expense, and liability.
“What” – Lists what discounts have been applied to your premium.
How to Read Your Homeowners Policy Declarations Page CHECK THE FOLLOWING AREAS:
1. Named Insured: Owner or owners of the dwelling being insured.
2. Your Agent: Contact information for the agent with whom you placed the insurance.
3. Policy Period: The date your coverage begins and the date your coverage ends. This is typically a 12-month period.
4. Location of the Property: Indicates the street number, name, city and state the property is located in.
5. Premium: Total annual premium for all coverage(s) including endorsements.
6. Dwelling Protection: Coverage A: the structure of the home and any attached buildings.
7. Other Structures: Coverage B: Structures not attached to or part of the home, covered up to 10% of the home structure.
8. Personal Property: Coverage C: Contents or personal property in the home. Coverage of up to 10% applies to contents away from the home. Generally, coverage equals 50% of dwelling coverage.
9. Additional Living Expense: Coverage D: Coverage if the insured’s home has a covered loss and they must seek temporary lodging. Typically, coverage is 10-20% of dwelling coverage.
10.Personal Liability: Coverage E: Coverage in the event a law suit is brought against the insured or resident relative, because of bodily injury or property damage resulting from acts of the insured. Also includes coverage for legal defense.
11.Medical Payments: Coverage F: Coverage for reimbursement of reasonable medical expenses incurred by a third party who is injured on the insured premise as a result of activities of the insured.
12. Discounts: This shows discounts that are being applied to your account such as multi-policy discount, burglar alarm, and being claim free.
13. Forms and Endorsements: Booklet that describes policy and amendments that add, remove, or otherwise change the standard coverage.
14. Additional Interest: This lists the name and address of the Mortgagee or other parties that have a legal right or interest as a creditor.
Your mortgage company will typically require you to provide an up-to-date declarations page for proof of your homeowner’s insurance about once a year to ensure you have adequate financial protection for your house. If you don’t provide this proof of insurance, your lender has the right to purchase homeowners insurance in your name and add the premium to your mortgage payments (aka “force-placed insurance”). This kind of policy is generally much more expensive than your standard home policy, and often, the coverage isn’t as comprehensive either, another good reason to never let your homeowners insurance lapse. If you or anyone you know has any questions, please feel free to contact Complete DKI at 850-225-5354 or our Alabama office at 251-255-5354.
Storm Damage Pensacola
Storm Damage in Pensacola happens more often than not. Between hurricanes, thunderstorms, damaging rain and wind, disaster can strike at any time, and to anyone. Fortunately, Complete DKI has a staff of 40 trained professionals that are ready to help under any circumstance. The destructive power of a storm can be extremely dangerous. Hurricanes bring tornadoes, strong winds, and storm surges.
Even a simple thunderstorm can turn into disaster. Heavy rains can cause flooding, and heavy winds can be so strong they have the ability to spawn tornadoes. Thunderstorms also bring lightening, which can strike a house and create a fire. Storms of any kind can be very dangerous. It’s very important to be prepared when and if a disaster strikes.
Storm surges are caused by strong winds forcing the waves on the shore which can cause extreme coastal flooding The destructive power of a surge and large waves can result in destroyed buildings, road and bridge damage, and can also be life threatening. Wind is a very big factor in storm damage. Damage from winds account for almost half of all sever reports in the United states. People who live in mobile homes are extremely at risk for home damage, or even death. If you live in a mobile home, it is important to anchor your house to a steady foundation.
When hurricanes become a danger, pay close attention to all weather warnings and take the right precautions to protect your home and family. If you or someone you know is affected by storm damage, call Complete DKI. For Florida, call (850)-225-5354 and for Alabama (251)-225-5354. The Complete DKI staff of uniformed trained professionals work around the clock 24/7.
Water Damage Pensacola
Water damage in Pensacola can be deceptive. It is a serious problem that impacts households all over. Water damage is the second most frequently filed insurance claim in the United States. From frozen pipes to a natural disaster, it’s always good to be prepared. About 90% of all water damage claims can be prevented. Do you know how to prevent water damage in your area? Complete DKI can help!
Water penetrates into structural cavities creating trapped pockets of saturation. Water damage that has not been detected will continue to cause damage. You must get it taken care of as soon as possible. Handling water damage in a home is usually costly and very time consuming. Most homeowner insurance policies don’t cover flood damage, so it is very important to know your insurance coverage. Unfortunately, homeowners are usually unaware of their policy when disaster strikes, it’s often too late at this point.
Water damage can come from frozen pipes, leaking pipes, a leaking roof, broken washing machine hose, plumbing problems and many more. Billions of dollars are spent each year as a direct result of water damage. Here are some steps to prevent water damage :
- After flushing, remain near the restroom until the valve has finished filling the bowl
- Clean out roof gutters
- Never pour grease down your sink
- Fix all water leaks
- Replace missing roof shingles
- Test your pump once a year
There are many ways water damage can happen, but also many ways it can be prevented. With big storms that can happen at any time in our area and tempatures rising and falling, it’s important to stay prepared. If you or someone you know has had water damage give Complete DKI a call at 850-255-5354 for Pensacola and 251-225-5354 for mobile. Or visit our website at www.completedki.com
Frozen Pipes Pensacola
Freezing and bursting pipes are a big concern when temperatures start to drop. Do you know how to prevent your pipes from freezing? There are many ways to prevent pipes from freezing and bursting in the winter and Complete DKI is here to help. With winter here, and temperatures dropping it is very important to know how to prevent your faucets from freezing.
When pipes freeze, it causes a lot of water pressure that builds between the ice blockage and the faucet and eventually the pipe ruptures under pressure. There are so many ways to prevent pipes from freezing and even busting. One very important prevention method is to disconnect outside hoses, drain and store them properly before the first hard freeze. Surprisingly, a frozen garden hose can cause more damage because it can bust an interior pipe. When the hose freezes it expands, and that will create pressure throughout the whole plumping system.
If you’re leaving your home this holiday season for a long period of time, additional preventative measures must be taken to prevent damage to your home from freezing pipes. Make sure your furnace is set to no lower than 55 degrees. Also, shut off the main water supply and drain the system by opening faucets and flushing the toilets. This is very important because you don’t want to come home after vacation to a flooded house, caused by a busted pipe. The trouble usually lies around exposed pipes in unheated areas of the home, such as in the attic, basement, crawl spaces, the garage, and under the kitchen and bathroom cabinets. Freezing pipes are most likely to occur in these spots due to not having enough heat and being open to the elements. But, that doesn’t mean that is where they are most likely to burst.
Let’s be honest, you don’t want to come home after vacation to a flooded house, caused by a busted pipe. So, if you or someone you know has a pipe freeze and burst, Complete DKI is here. Our uniformed staff of well-trained technicians are always willing to help. You can give us a call at our Davis Highway location at 850-CALL-DKI or you can contact our mobile location at 251-CALL-DKI.
Electrical Safety Pensacola
Do you know how to prevent electrical fires? Electrical safety is very important to know and practice in your home. You’re around it every day, so it’s good to know the safety precautions when dealing with electricity. If you’re not too familiar with electrical safety, Complete DKI is here to help you.
Around 50,000 fires each year are from electrical fires. They have resulted in over 500 deaths and more than 1,000 injuries. With the holidays quickly approaching and people are going to be using lights and more electrical things than usual, here are some tips to keep you and your family safe:
- Never yank a power cord from the wall. This can result in electric shock.
- Make sure to keep children and pets away from power cords and outlets. Animals like chewing on things, and a light strand connecting to the Christmas tree is not a good choice.
- Replace and light switches that flicker or get hot.
- Do not use electrical cords that are loose or damaged.
- Refrain from running cords under carpets or in walkways.
Electrical fires can be started and prevented in so many ways. They usually start from electrical failure or malfunction. Do not plug a lot of things into one outlet or extension cord. Overloading these can cause the breaker to trip, an appliance to stop working, or even worse, a fire. If you have small children, use tamper resistant receptacles and outlet covers. Also, always remember to keep electrical items away from water. If you have a Christmas tree that has to have water, make sure the lights around the tree and the power cords do not touch the water.
If you experience an electrical fire in your Pensacola home, Complete DKI has a 24 hour emergency response team, 7 days a week. Our team is always professional, uniformed, and ready to help. Give us a call at our full service location on Davis Highway at 850-CALL-DKI OR 850-255-5354.
Board Up Service
If your home or office gets damaged by a fire, Complete DKI is here to help. Complete DKI offers an emergency board up service at no cost to the homeowner. Do you know how to minimize damage to your home prior to a disaster? Our board up service will help do just that, by boarding up the windows and doors, it will minimize potential damage to your property prior to a fire.
If by chance disaster does strike, Complete DKI has a 24 hour Emergency Response team to secure your home. We understand how important it is to get back into your house safely and in a timely manner. As well as how stressful it can be when a fire or other disaster happens, so we want to help you make the process as smooth and stress free as possible. If by chance the damage is too bad, and you are not able to stay in your home, we offer a “First Nights on us” hotel stay for home fire victims.
Our experienced and helpful team at Complete DKI will be happy to serve and assist you after a fire or disaster. Our board up service is very important after a fire or disaster for many reasons. One main reason we board up a home or office is to prevent further damage from vandalism, trespassers, and even theft. No one wants their house to catch on fire, but if it does you don’t want anyone snooping around in your house creating more damage than there already is. Sever weather is also a big factor in why we do home board ups. Fast winds and heavy rains can damage your belongings even more. To help you get back on your feet a little bit faster, Complete DKI also delivers emergency care packages for fire victims. Complete with shampoo, conditioner, body wash, deodorant, tooth brush, toothpaste, and so much more.
If you or someone you know experiences fire damage and needs there home or office to be board up, Complete DKI is here. When it comes to a board up service it is very important to act fast to reduce damage to your property. With that being said, Complete DKI has emergency crews on standby ready to assist you 24/7. Give us a call at 850-CALL-DKI our professional and helpful uniformed staff will always be happy to serve you.
House Fires Pensacola
House Fires in Pensacola can happen to anyone in the blink of an eye. Over half of house fires are caused by heating equipment being left on next to a flammable material. Do you know how to prevent house fires? It is very important to know fire prevention and to make an escape plan. Unfortunately, sometimes the unthinkable happens and when it does, Complete DKI is here. Complete DKI specializes in the cleanup and removal of damaged contents. Handling the situation smoothly and in a timely manner.
Half of house fires deaths are reported around 11 pm and 7 am, most of the time you’ll be asleep. That is why it’s important to have fire alarms close to the bedrooms to alert you that there is a fire. Know where your smoke alarms are and test them monthly, also change the batteries if needed. You’re going to need to make an escape plan. Practice this with your family, it could be the difference between life and death. Keep matches and lighters away from children and if you do have lighters, make sure to get the child resistant ones. Make sure to turn off all heating equipment. Not sure if you turned that curling iron off in the bathroom? Double check. The leading cause of house fires being caused by heating equipment was because it was left on too close to a flammable object.
House fires are not something to brush to the side and say “ it will never happen to me “ Your house and everything you own can be there one day, and gone the next. One quarter of home fire deaths are reported in the bedroom. Always blow the candles out and be smart about where you’re putting them. Fire departments responded to an estimated 367,500 house fires in 2014, 2,745 of those fires resulted in death. On average, 7 people die in house fires every single day and those deaths are older adults. You never know when or who it will happen to so it’s always good to be prepared.
If you or someone you know experience a house fire Complete DKI has emergency crews ready to respond 24 hours a day, 7 days a week, and 365 days a year. Our friendly and professional technicians will be glad to assist you in your time of need. To contact us at our full service location on Davis highway please call 850-CALL-DKI or 850-255-5354
These storms we’ve been having can be very scary and cause a lot of damage. From lightening fires to flooding, you have to be prepared. With Complete DKI on your side, water damage doesn’t stand a chance. We will find the root cause as well as source of water damage, remove the water with high powered equipment, dry the area with high speed fans, and then begin the repairs on the damage. Complete DKI works fast and efficiently to get you back to normalcy as quickly as possible. We understand any delay can cause further damage to the structure of your property and belongings. It may also start causing health hazards if not treated in a timely manner. With our 24/7 emergency response team, we will be there quickly to start the process. Complete DKI will work directly with your insurance company to relieve any stress and keep them and you up to date on the job. Contact Complete DKI today to fix all your water damage issues. 850-Call-DKI (850-225-5354)