Recent Posts

Changes in General Liability Insurance Regarding Sick Buildings

11/21/2019 (Permalink)

Meme of insurance document with the words above saying "Are You Covered." Contact your insurance company and discuss the coming changes when submitting mold claims.

Be Aware Of The Changes In General Liability Coverage And Terms Often Used To Exclude Mold Claims.

An increase in mold insurance claims and litigation has led to changes in most commercial general liability policies over the years. Primarily, these changes have been instituted to reduce premiums and eliminate most mold coverage. Typically, these issues are grouped in with sick structure exposures, a term used to describe normal business risks and contractor responsibility. As a commercial operator, you should be aware of the changes in general liability coverage, and terms often used to exclude mold claims.

1. Pollution Exclusion

Most insurers will view a mold claim as an environmental or toxic tort claim, meaning that mold falls under the pollution exclusion. While there are arguments to be made about the validity of mold as a pollutant under the standard definitions, there is currently no dissenting or judicial opinion as to the applicability of the exclusion for the claims.

2. Business Risk

Many mold insurance claims are rejected because they are deemed a business risk issue, meaning that the fungus is a result of poor quality or craftsmanship. These exclusions lay the blame on property owners or contractors, and stipulate that the responsibility for repair is theirs.

3. Fungi or Bacteria Exclusion Endorsement

The Fungi or Bacteria Exclusion Endorsement is an amendment to many commercial general liability policies. This endorsement excludes the costs associated with mold cleanup and remediation. It also eliminates personal injury.

4. Limited Fungi and Bacteria Coverage Endorsement

While most policy changes have meant bad news for mold claims, the Limited Fungi and Bacteria Coverage Endorsement means that property owners may have some relief from mitigation costs. This endorsement may cover some of the expenses associated with mold remediation in the Josephine and Jackson County, Oregon area. However, the aggregate limit is likely lower than previously offered.

Before submitting mold insurance claims, review your policy and take note of any of the above changes. While insurers are looking for ways to reduce exposure to fungi and bacteria demands, there may still be endorsements that can help. Reach out to your insurance company and discuss the coming changes and your concerns.

When Storms or Floods hit Josephine and Jackson County, SERVPRO is ready!

11/21/2019 (Permalink)

Lightening Storm Over Cityscape Sometimes when It Pours, It Really Really Pours!

SERVPRO of Medford/Ashland specializes in storm and flood damage restoration.Our crew is highly trained and we use specialized equipment to restore your property to its Pre-storm condition.

Faster Response

Since we are locally owned and operated ,we are able to respond quicker with the right resources,which is extremely important.A fast response lessons the damage,limits further damage,and reduces the restoration cost.

Resources to handle Floods and Storms

When storms hit Josephine and Jackson Counties, we can scale our resources to handle a large storm or flooding disaster.We can access equipment an personnel from a network of 1,650 Franchises across the country and elite Disaster Recovery Teams that are strategically located throughout the United States.

Have Storm or Flood Damage? Call us Today SERVPRO of Grants Pass/Central Point

541-479-2500

Call SERVPRO of Grants Pass/Central Point to Quickly Restore your Josephine County Commercial Property As a Result of Fire or Water Damage

11/20/2019 (Permalink)

Completely burned out interior of a commercial building with SERVPRO logo and COMMERCIAL FIRE DAMAGE? superimposed on image We Can Handle Any Size Fire or Water Damage Event. Give Us a Call and We Will Make It "Like it Never Even Happened."

Most fire and water damage events occurring in commercial properties here in Jackson County are complex situations with numerous issues and they require a knowledgeable and flexible response. Whether we’re dealing with a relatively small fire or water cleanup scenario or a large scale event, we work quickly to assess each unique situation and isolate the damaged area. In many instances, normal operations can continue in a temporary space while we restore your facility.

Restoring Commercial Properties Presents Unique Challenges

Our professionals are trained to be mindful of legal and environmental concerns and strive to fully restore the damaged area while working within your budgetary constraints. We understand that every hour spent cleaning up is an hour of lost revenue and productivity. So when an emergency situation arises in your business, give us a call and we’ll be there fast and with full focus to provide the help you need.

About SERVPRO of Grants Pass/Central

SERVPRO of Grants Pass/Centralspecializes in the cleanup and restoration of commercial and residential property after a fire and/or water damage event. Our staff is highly trained in property damage restoration. From initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property.

Become Informed about FEMA's Various Types of Assistance

11/20/2019 (Permalink)

screenshot of FEMA website page Download the FEMA app for free

If you have suffered damages from a storm, then you need to be aware of FEMA. Likewise, this is a resource everyone in Southern Oregon should at least be aware of when a storm is on the way. It is the Federal Emergency Management Agency, and it provides assistance to people who's homes were damages after a natural disaster. The agency provides other types of support as well, including:

  • Emergency assistance
  • Financial assistance
  • Miscellaneous support

If you are going to take advantage of this resource, you need to understand what kind of support you can receive from them.

Emergency Assistance

When the flood waters are on the rise, you should not expect immediate help from the agency. The agency focuses on providing assistance when flooding is over, but they still can help you in the form of resources and partners. The agency has a mobile app while can provide information about emergency shelters and evacuation guidelines in your local area. If you are in need of immediate help, you should call 911 instead or your local emergency management agency. FEMA partners with certain emergency relief companies, and may be able to help you receive the support you need.

After the Storm

When the disaster is over, this is the time when The Federal Emergency Management Agency can really provide you with support. After you apply, an inspector will evaluate how severe the damage you suffered is. This should never be a substitute to your own insurance coverage, but rather a resource you use in addition to it. Along with helping you recover financially, the agency can provide medical and dental services, as well as covering funeral costs. FEMA cannot take care of all storm reparations, so it might be beneficial to research a private reconstruction company too. With the right help, you can repair and move on from any disaster that affected you.

SERVPRO of Grants Pass/Central Point is one such company with all of the expertise and equipment needed to recover from a major flooding or natural disaster event. We suggest that you contact us in order to have a complimentary Emergency Readiness Plan (ERP) prepared and on hand just in case you ever experience the type of event where it will come in very handy. For more information, call us at: (541) 479-2500.

What Happens After a Home or Business Fire?

11/19/2019 (Permalink)

firefighters battle a house fire with a crane and on the ground Give SERVPRO a Call if You Experience a Home or Business Fire Damage Event

What Happens After a Home Fire?

If you have never had a fire incidence in your business or home, it is important to be repaired because no one is immune from it. Fire in home or fire in business can be caused by a variety of things, which include the utility room, among many other causes. The problem is not whether there was a fire in business or fire in home, but how to recover from commercial fire damage. Many business or homes have been destroyed by fire damage, not because fire suppression did not take place, but because the owners did not know what to do after the fire.

What happens after a fire in home or fire in business?

The most common thing that takes place after a fire in home or fire in business is the alarm, which notifies everyone in the building that there is fire. If for good luck the house is fitted with modern firefighting tools such as fire sprinkler system, it could help in the fire suppression effort and reduce the extent of fire damage.

The firefighter's department would also respond promptly to help put off the fire. Their work is vigorous and would cause damage such as breaking through doors and windows to access the fire areas. Water will also be pumped into the building, causing floods all over the floor.

What next after fire department effort

After the fire has been put off, it is when you will realize the extent of the fire damage and that caused by the firefighters. Fire damage, Soot damage, the smoke damage, smoke smell and water damage are evident. Fire damage restoration effort must begin immediately, or more damage could occur. You must look for a competent and reliable fire restoration company to undertake this exercise. It is not something that you can handle with family members or your business staff members.

Professional fire damage restoration

Once the fire has been put off, you must not wait for long before starting to put things in order. Using a good fire restoration company, you will be able to get professionals who are trained and experienced in handling fire cleanup services. They first begin by assessing the level of commercial fire damage. They board up the windows and doors that had broken by the firefighters. The importance of boarding up is to keep off intruders who could access and steal your items. Professional commercial fire restoration ensures effective board up services.

What to expect from the professional fire restoration company

If you hire a professional commercial fire damage restoration company, you can be assured of their services. These professionals use a plan to do the fire cleanup and prevent further damage that could be caused by water or the restoration process. All the items that could be repaired are salvaged and taken to their facility for specialized repair. Other items that require cleaning such as carpets could also be taken up for proper fire cleanup.

Flood water is drained from the rooms and soot damage, and smoke damage is handled effectively. Commercial fire damage lead to soot damage that results from the burning items, which cause ash and dust on the walls and vents. It has to be cleaned up to remove the dust and ash, which will allow for the repainting of the walls. You will also need to clean up smoke damage because the smoke smell is absorbed in all the porous items in the building. This smoke smell is cleaned up through deodorization and other methods.

The importance of using professional fire cleanup services

Hiring professional commercial fire damage restoration is essential because it ensures effective removal of soot damage, smoke smell, smoke damage, board up services and fire damage restoration. Finding the right fire restoration company would ensure a speedy restoration and allow you to go back to your normal life. It is important to seek the help of professionals in matters that you cannot handle on your own such as commercial fire damage because it could save you time and money.
Visit: SERVPROgrantspasscentralpoint.com or call (541) 479-2500 for more information on fire damage.

For Immediate Service in Josephine County, Call SERVPRO of Grants Pass/Central Point

11/19/2019 (Permalink)

Servpro logo set on square background divided down the middle with fire on the left and water droplets on green on the right Fire and Water are the main two areas of home or commercial damage in which we can be of service to you.

SERVPRO of Grants Pass/Central Point is available 24 hours a day for water emergencies, large or small. When you are dealing with water damage, immediate action is crucial. A delay of just a few hours can greatly increase the severity of the water damage.

We Answer the Phone Ready to Help
Call Today - 541-479-2500

We understand that when you call us, you may be feeling confused, stressed, and vulnerable. You need an expert to guide you through this crisis and to understand your situation. SERVPRO of Grants Pass/Central Point has the specific water damage training and experience to help you through this tough time. We specialize in water damage restoration—in fact, it's the cornerstone of our business.

What to Expect

When you call, we will ask several questions regarding your water damage emergency. These questions will help us determine what equipment and resources to bring, including how many trained SERVPRO Professionals may be needed.

Our SERVPRO Representative will ask several questions:

  • Your name and contact information
  • Your insurance information (if applicable)
  • The street address of the water-damaged home or business
  • When did the flooding or water damage occur?
  • What caused the water damage (if known)?
  • Is there electricity available (on-site)?

About SERVPRO of Grants Pass/Central Point

SERVPRO of Grants Pass/Central Point specializes in the cleanup and restoration of residential and commercial property after a fire, smoke or water damage event. Our staff is highly trained in property damage restoration. From initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property.

Changes in General Liability Insurance Regarding Sick Buildings

11/18/2019 (Permalink)

Meme of insurance document with the words above saying "Are You Covered." Contact your insurance company and discuss the coming changes when submitting mold claims.

Be Aware Of The Changes In General Liability Coverage And Terms Often Used To Exclude Mold Claims.

An increase in mold insurance claims and litigation has led to changes in most commercial general liability policies over the years. Primarily, these changes have been instituted to reduce premiums and eliminate most mold coverage. Typically, these issues are grouped in with sick structure exposures, a term used to describe normal business risks and contractor responsibility. As a commercial operator, you should be aware of the changes in general liability coverage, and terms often used to exclude mold claims.

1. Pollution Exclusion

Most insurers will view a mold claim as an environmental or toxic tort claim, meaning that mold falls under the pollution exclusion. While there are arguments to be made about the validity of mold as a pollutant under the standard definitions, there is currently no dissenting or judicial opinion as to the applicability of the exclusion for the claims.

2. Business Risk

Many mold insurance claims are rejected because they are deemed a business risk issue, meaning that the fungus is a result of poor quality or craftsmanship. These exclusions lay the blame on property owners or contractors, and stipulate that the responsibility for repair is theirs.

3. Fungi or Bacteria Exclusion Endorsement

The Fungi or Bacteria Exclusion Endorsement is an amendment to many commercial general liability policies. This endorsement excludes the costs associated with mold cleanup and remediation. It also eliminates personal injury.

4. Limited Fungi and Bacteria Coverage Endorsement

While most policy changes have meant bad news for mold claims, the Limited Fungi and Bacteria Coverage Endorsement means that property owners may have some relief from mitigation costs. This endorsement may cover some of the expenses associated with mold remediation in the Jackson County, Oregon area. However, the aggregate limit is likely lower than previously offered.

Before submitting mold insurance claims, review your policy and take note of any of the above changes. While insurers are looking for ways to reduce exposure to fungi and bacteria demands, there may still be endorsements that can help. Reach out to your insurance company and discuss the coming changes and your concerns.

How to Prevent Moisture from Entering your Building and Causing Damage

11/18/2019 (Permalink)

Blurry greyscale photo of rainy weather and buildings through a water splashed window with the words Rain Damage? in green. Rain Damage Can Occur Without Warning. Preventative Measures Can Make a Big Difference in Keeping the Water Outside.

Rain and flooding from a major storm in Jackson County can result in costly damage to the interior and exterior of your business. In order to protect your business, it can be valuable to know how to prevent moisture from entering your building and causing damage.


1. Create a Physical Barrier

In order to decrease the likelihood of water and mold damage to your building, it can be helpful to put a barrier between your building and the elements. A building envelope acts as a water-resistant cover and protects your business from strong winds and heavy rains. In order for the envelope to be of use, it’s often important to make sure the envelope is securely placed around your building before a storm hits.

2. Inspect Your Building Before the Storm

Rain damage can occur seemingly without warning, and it may be necessary to contact storm restoration experts to fix the damage. However, it’s often preferable to prevent damage from occurring in the first place. By inspecting your building before a storm, you are likely to notice if there are any loose shingles, small holes or other areas where water may be able to enter your building. Inspecting the building frequently will allow you to make the necessary changes that can help to prepare your property for a disaster.

3. Clear and Reposition Gutters

If your property’s gutters are clogged or are positioned too closely to your business, the likelihood of water damage and mold growth increases. In order to avoid black mold growth and other issues related to water damage, it can be useful to clear your business’s gutters before a storm. Moving your gutters to ensure the flow of water is not directed at your building’s foundation can also be helpful.

Though storms have the potential to cause major issues for a business, preventing moisture from entering the building can make damage less likely to occur. By creating a physical barrier, inspecting your property before a storm and clearing and repositioning your building’s gutters, you can help to keep your business safe from rain damage.

SERVPRO of Grants Pass/Central Point Earns IICRC Certification

9/30/2019 (Permalink)

Image of IICRC logo with word "IICRC Certified" underneath SERVPRO of Medford/Ashland is IICRC Fully Certified

SERVPRO of Grants Pass/Central Point is a fully IICRC Certified company. This accreditation is an assurance that all of the technicians and project managers have the professional knowledge to handle any fire and/or water damage situation that you might run into. The Institute of Inspection, Cleaning and Restoration Certification (IICRC) creates the standards for the restoration industry and provides training and certification to restoration companies. IICRC Certified Firms have the right to display the IICRC Certified Logo.

Being an IICRC Certified Firms is an Important Factor

  • Present accurate information to consumers and conduct business with honesty and integrity.
  • Require a technician on all jobs who has been formally trained and passed all required tests.
  • Require a continuing education program to keep technicians up-to-date on the latest changes in the industry.
  • Maintain liability insurance to protect all parties in the event of an accident.
  • Maintain a written complaint policy and agree to Better Business Bureau or similar arbitration to resolve disputes, and accept the conclusions and recommendations of arbitration.

The Institute of Inspection, Cleaning and Restoration Certification (IICRC) Developed the Current Standards For the Restoration Industry

The IICRC has been the driving force in establishing the main industry standards and reference guides for professional carpet cleaning, water damage restoration and mold remediation. These IICRC standards take years to develop and require the coordination of experts in the field: manufacturers, industry organizations, insurance professionals, training schools, contractors, and public health professionals.

Every five years, the standards are reviewed and updated. The water damage restoration field changes rapidly with advancements in technology and science, and therefore the standards must evolve to keep pace.

SERVPRO of Grants Pass/Central Point 24 Hour Emergency Water Damage Service

9/27/2019 (Permalink)

room where carpeting has been removed and air moving and other drying equipment is in place. SERVPRO has the professional equipment to handle any water damage and flooding situation.

SERVPRO of Grants Pass/Central Point is available 24 hours a day for water emergencies, large or small. When you are dealing with water damage, immediate action is crucial. A delay of just a few hours can greatly increase the severity of the water damage.

We Answer the Phone Ready to Help
Call Today - 541-773-3740

We understand that when you call us, you may be feeling confused, stressed, and vulnerable. You need an expert to guide you through this crisis. SERVPRO of Grants Pass/Central Point has the specific water damage training and experience to help you through this tough time. We specialize in water damage restoration—in fact, it's the cornerstone of our business.

What to Expect

When you call, we will ask several questions regarding your water damage emergency. These questions will help us determine what equipment and resources to bring, including how many trained SERVPRO Professionals may be needed.

Our SERVPRO Representative will ask several questions:

  • Your name and contact information
  • Your insurance information (if applicable)
  • The street address of the water-damaged home or business
  • When did the flooding or water damage occur?
  • What caused the water damage (if known)?
  • Is there electricity available (on-site)?

About SERVPRO of Grants Pass/Central Point

SERVPRO of Grants Pass/Central Point specializes in the cleanup and restoration of residential and commercial property after a fire, smoke or water damage event. Our staff is highly trained in property damage restoration. From initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property.