Recent Commercial Posts

Business Owners Can Be Proactive by Hiring Professionals

5/5/2020 (Permalink)

SERVPRO Techs suited up in full protective gear line up for a serious cleaning assignment SERVPRO Techs suited up in full protective gear line up for a serious cleaning assignment - Photo from the Daily Mail

Serving West Covina and surrounding SOCAL cities

With over eighteen hundred SERVPRO franchises throughout the U.S. and Canada, we are doing our share in helping to contain this worldwide pandemic. We provide property damage restoration and disinfecting services for commercial properties and local businesses. Our goal is to assist in mitigating the impact of the coronavirus to our surrounding neighborhoods and cities. In March, one of the first well-known group cases of COVID-19 was in Kirkland, Washington. The virus outbreak and death toll at the nursing facility caught attention from the nation and our SERVPRO Disaster Recovery Team was called in for a professional thorough cleaning. By utilizing the experts for such an undertaking, no doubt much relief was provided to the community, staff, patients, as well as their families.

Our national disaster team is one of our biggest resources as they can be called upon and activated for any large loss whether due to the coronavirus, extensive flooding, water damage, wildfires, storm damages, or other biohazards cleanup needs. No job is too large for our elite large-loss specialists and will be supervised by a commercial operations manager to ensure timely mitigation with first-rate communication. Each independent franchise has access to our SERVPRO large loss disaster team to ease the minds of our national clients in the commercial industry. So property managers, city, county, and court buildings, hospitals, universities, and retail malls can continue to utilize SERVPRO of West Covina as their ‘go-to vendor’ in the event of a massive catastrophe.

Your commercial property’s appearance leaves a lasting impression on your clients and customers. Our SERVPRO of West Covina team is ready to assist with preventive or post-contamination measures. Now that we are dealing with COVID-19 it is imperative to be proactive now before lockdowns fully lift by bringing in the professionals for a good deep cleaning. After each professional cleaning, you have the option of posting documentation of the date of sanitization by our certified techs. As businesses begin to open and operate, have in place a plan for regular disinfecting through SERVPRO for preventative measures. Download for free the BE READY app on your mobile device and at the top corner, if you are in the SOCAL community… enter in SERVPRO of West Covina as your preferred franchise.

Concerns about indoor-air quality at your West Covina business?

4/25/2020 (Permalink)

It's spring cleaning time so SERVPRO lists recommendations for commercial buildings by listing available cleaning services Call and order the professional cleaning services that your Socal company could benefit from most!

Air Duct Cleaning Services

Since spring is here, you may want to consider having your air ducts professionally cleaned as a part of your annual ‘spring cleaning’. If you have an older building structure you may want to consider freshening up your air-ducts. Or if your property has undergone a remodel recently, post-construction can leave everything covered in a blanket of dust. Installing any sort of materials where machine cutting is done on the premises, can leave sawdust or tile dust that spreads everywhere within the property, even if the cutting is done outside, construction dirt always manages to find its way in. Sanding or woodwork projects such as installation of new cabinets, moldings, baseboards, trim, wood floors, engineered wood flooring, laminate, or tile-work could leave dust and debris behind thus making cleanup may necessary.

If your property has experienced water damage due to a water leak that was ongoing and perhaps went undetected for a time, such as leaks coming from the air-conditioning unit or a roof leak, could allow for HVAC vents to acquire a build-up of contaminants and possibly even mold. We strongly recommend Duct Cleaning after a Mold Remediation project. Part of our restoration process during a fire or smoke cleaning might include a thorough Air Duct Cleaning since soot particles could have easily scattered inside the building's ductwork. We also highly recommend Duct Cleaning after addressing an infestation issue. A pest invasion in an attic, within the dwelling or in a crawlspace could be problematic as dust particles aerosolize. Beware of health dangers related to vermin, insects, rodents, or their droppings being present indoors.

Air Duct Cleaning can be a proactive approach to healthy indoor air quality issues. For offices where desks are directly under a building vent and sickness or allergies are an ongoing problem, schedule an inspection to determine if an issue can be discovered. Addressing any discovered issue and scheduling regular air-system cleaning as regular maintenance could aid in the improvement air quality.

Regularly change air filters

Frequently replacing air filters is a good way to keep dust, most allergens, and particles at bay. Most filters should be replaced every few months depending on how dusty your area is.

The EPA recommends air duct cleaning when the following issues are discovered:

  • Visible mold growth or painted area inside, where a previous tenant or maintenance person might have been trying to cover up an issue
  • Infestation of rodents, vermin or insects
  • Considerable deposits of clogging debris

Could Mold be an issue?

If you have an old leak, suspect possible mold growth, smell continuous musty odors, or are seeing visible signs such as spots or patches of mold or mildew, contact us today.

COVID -19 Accommodations

If someone passing through your establishment was confirmed or suspected to have the coronavirus, as a preventative measure, call for our disinfecting services. You can trust SERVPRO of West Covina as all of our technicians wear proper PPE for both their protection and yours. Ask to include our HVAC cleaning services as part of your property cleaning.

For HVAC cleaning at your business or home, count how many vent-registers are in the unit and call to get the cleaning scheduled.

Due to COVID-19, we are now offering virtual inspections so call to schedule yours today.

The High Standards -- Our Commercial Customers Can Expect

4/22/2020 (Permalink)

A professional restoration team is in an industrial plant working to extract flooded water and is setting up drying machines You are the best. So only hire the very best. We are so proud of our amazing team who has faithfully served our SOCAL Community for well over a decade

Our team can help you quickly resolve your emergency property damage problems!

Property damages come up unexpectedly so it’s a good idea to keep the contact info for our team set on your cell phone for the quickest possible access. The first 24 hours following a major loss are the most important in preventing secondary damages. By setting us in your list of contacts as follows, we will remain at the top of your contact list:

(first name) All Emergency Cleaning

(last name) SERVPRO of West Covina

(company) available 24/7 – servicing Socal

(+add phone) 626-960-9145

(+ texting phone) 626-807-9286

(+add email)

(+ url homepage)

(+ url home)

(notes) Specialty Cleaning & Disinfecting for: Water Damage. Fire. Smoke & Soot. Mold. Trauma. Crime Scene. Vandalism. Biohazard. Coronavirus.

Disasters can be devastating but to our SERVPRO team, it’s what we do each day. This is our specialty. We provide state-of-the-art service to business owners and property managers that are in need of immediate repairs by restoration experts. By calling our SERVPRO Team as soon as possible, we can communicate the scope of damages and start the mitigation process.

Here is what you can expect when SERVPRO of West Covina arrives at your business.


Immediately after receiving the loss notification, our SERVPRO of West Covina restoration professionals will be on-site to help ensure property damages are handled in accordance with the Institute of Inspection Cleaning and Restoration Certification (IICRC) Standards. Our team will inspect the affected areas to determine the scope and extent of damages. We will communicate and review our findings and recommended protocol with you, answering any questions before beginning the restoration process.


By hiring our IICRC Certified team, be assured that we will take the necessary steps to help protect your business or that of your commercial tenant, as well as personal property and other contents from further damage by acting quickly. Once the area is prepared for services, our technicians will begin the cleanup based on the need. We can assist with filing an insurance claim, should you decide to file a claim based on the circumstance. SERVPRO is a preferred service provider for most major insurance companies such as State Farm, Mercury, Farmers, AAA, Allstate, Nationwide, and many more. In addition, we have multiple National Commercial Accounts so we strive to develop and maintain business to business relationships. We are here to support your business’ growth by being a reliable and trustworthy vendor. Our goal is to always keep a fantastic working relationship with our local Insurance Adjusters, Claims Agents, Property managers and Business Owners because we understand that our reputation will always speak for itself.


If water damage is the issue that we get called in for, to help ensure the structure and contents of your business is dried to the appropriate IICRC Standards. Our water technician will monitor and document the drying process. Continuous monitoring allows for the specialty drying equipment to be adjusted or reduced as needed to dry the area efficiently and cost effectively. The length of drying depends on how much water flooded throughout, how saturated, and type of materials that were affected. The daily documentation and updates of temperature & moisture readings will be communicated with your Insurance Company so that they are kept in the loop.


Our team has the ability to make structural repairs, replace building materials and reinstall cabinets & flooring. A final walk through of the property will be conducted with you to ensure your unit was returned to its preloss condition. Hiring SERVPRO of West Covina for your property damage needs leaves you in good hands as we have only your very best interest at heart.

A Note To Our Commercial Customers

4/20/2020 (Permalink)

A woman extends both hands holding an apple in each. One is a red apple, the other a slightly larger green apple Always compare apples to apples. Read the details & fine print to understand exactly what specific services you are choosing from.

With great optimism, we trust you are staying safe during this pandemic. We realize the huge toll COVID-19 is taking on everyone’s lives and businesses. Our business is handling all sorts of property damage cleanup & restoration. We offer services for trauma cleaning and biohazard removal, which has a similar protocol set out by the Center of Disease Control’s for virus cleaning. As a professional cleaning company, we are in an exceptional situation to assist those in need of commercial disinfecting for the coronavirus. 

At this time many business owners and property managers are preparing by scheduling professional deep cleanings of areas where a fresh start is needed, or perhaps a potentially sick person briefly was in. Offices, call centers, warehouses, retail and service centers are requesting services now so that when the lock-down restrictions are lifted, businesses can safely reopen with the confidence that preventative measures have been taken.

By hiring SERVPRO for specialty cleaning your employees will feel more secure about returning to work because our service options for coronavirus cleaning goes beyond the average janitorial duties. Service options will range depending on your specific needs, various scopes and of course budget. From years of experience, our best advice is that you compare apples to apples. If company A provides pricing for well-trained technicians wearing full PPE to thermal fog an entire facility, floor to ceiling and everything in between with an EPA approved product vs. company B is pricing for a hand cleaning using their concoction for a (read the fine print) twelve foot section of doorknobs and desks only, you cannot compare the two estimates. It is important to convey your needs and main concerns to your contractor so that your requirements are understood and properly addressed. Know exactly what is included in your price estimate so that you can discern precisely what cleaning services you are receiving.

By making the best possible choice in your vendor selection, will make your business standout and shine.  SERVPRO of West Covina is the perfect choice if you are in the SOCAL vicinity and rest assured that we are here to help with any emergency around the clock. – 626.960.9145

Deep Cleaning Services for Commercial Properties

3/24/2020 (Permalink)

Computer screen of looking up Coronavirus on Wikipedia Only hire professionals who hold the highest reputation in our SOCAL community. Our YELP page proves we are a fantastic choice!

Now is the best time to consider hiring a Professional Restoration Company for all specialty cleaning needs. With the outbreak of the Coronavirus, try as we may, none of us can say that we are fully one hundred percent confident that we clean often enough, long enough or thoroughly enough. When considering who to hire, please, please, please be cautious because sad to say some people are here to cash in on the misfortune of others. Some overcharge, some are not using the right products designed to combat the virus, but worse yet some do not know what they are doing, and you might end up right back where you started. Make your time and money count.

Take Proactive cleaning precautions

  • Schools & Day-cares
  • Hospitals
  • Medical Offices
  • Retailers
  • Small Office Buildings
  • Commercial Offices
  • Apartment Buildings
  • Residential Lobbies
  • Restaurants
  • Hotels, Motels & Airbnb’s
  • Public & Common Areas
  • Manufacturing & Industrial Plants

With over ten years of experience, multiple industry-standard certifications and as a General Contractor, you can trust SERVPRO of West Covina during this challenging L.A. quarantine. Please take a moment to learn why people love Ryan and our whole team on YELP or call now to inquire further.

Fire sprinkler leak? Call the experienced professionals at SERVPRO of West Covina

2/27/2020 (Permalink)

A long commercial hallway of a building where the ceiling is studded with lights and fire sprinkler heads. The safety of fire sprinklers when a fire erupts is priceless. Sometimes though water leaks or flooding can occur. We are here to help!

Since 2011 the state of California has required all newly constructed residential dwellings to have automatic fire sprinkler system installed. Fortunately the statistics show that having this safety feature reduces the risk of death in a fire by approximately eighty percent! Clearly, fire sprinklers are worth the expense and maintenance. This life saving preventative measure, while reducing property damage if a fire erupts, can at the same time hold the minuscule risk of causing water damage just like any other plumbing.

Over the years we have witnessed a few sprinkler leaks and flooding situations both in residential and commercial facilities. One of our small water leak cleanups due to a fire sprinkler system was in a one year old tri-level condo. This one occurred because the pressurized water lines created a stress on a weakened area of the sprinkler line and a pin-hole leak manifest on the pipe inside the wall in a third floor bedroom.

Just this month a medium sized commercial loss occurs at a retail store that was doing some construction and a piece of machinery accidentally hit a fire sprinkler. This caused a rupture that got our team out of bed at five A.M. to help out and begin an extraction of the flooded areas. Another leak occurred in a SOCAL home where a sprinkler line randomly dispersed water in a living room and poured out the front door into their yard.

A different homeowner was forced to learn a hard lesson, but hopefully all of us can learn from it. He hired a handyman to install a ceiling fan in his upstairs bedroom. The day of installation the handyman was up the ladder and pulled the cap off from what he thought was electrical wiring but turned out to be a fire sprinkler head. Water gushed at a high force raining onto all of the contents in the room. The handyman turned and said: “I am not licensed, nor insured. Do not call me again” and exited the premises never to be seen again. The devastated homeowner made every attempt to stop the water as it continued to flow down his laminate staircase and through his first floor. Unsuccessful, he called for help. The water continued to rush through his home until the fire department turned the street main valve off. Our SERVPRO of West Covina team helped this family get all the wet materials cleaned up and dried but what a stressful ordeal to go through. Down side is once any sort of laminate furniture or laminate floors get wet, they swell and need to be discarded, which costs.

Accidents are going to happen but as homeowners we can do our best to stay on well informed and educated so that when the unexpected occurs, we know exactly who to trust and rely on.

Businesses experience property damages too...

5/3/2019 (Permalink)

This is a snapshot of inside the ceiling after the discovery of a leaking sprinkler head. Cleaning this up quick is a wise choice. #commercialcleanup

Being business owners ourselves, we are all too familiar of the day to day expenditures and how quickly they add up each month. The larger your business grows, the larger the monthly break-even point climbs. Between the insurances necessary, building lease, training, payroll and product expenses, the dollar amounts are constantly climbing. Even though we wisely plan for the unexpected, when property damages do occur not only is the disruption a challenge in the day to day function but also the related costs can get ridiculously high.

Sometimes old plumbing is to blame for leaks or sudden pipe bursts, other times the hot water heater has run its life course and other times human error is to blame and toilets may overflow. Fire sprinklers can spring pinhole leaks or suddenly burst as well. In the past, we have even seen a handyman mistaken a sprinkler for an electrical connector thinking it was the hookups for installing a ceiling fan. This line under pressure water poured out until the water turn off could be reached.

Costs for repairs can continue to rise when water is involved because if unnoticed or left untreated the bacteria levels in the water will multiply and within a short time cause mold to grow. The mold will thrive in the darkened damp area of a ceiling or wall cavity and spread to however far the water and organic materials like paper or wood keep it fed. Once we have experienced the whole water damage process we then understand the issues at hand and know better for next time, if a next time were to occur. As a business owner or property manager, part of being prepared for the next damage that may occur whether from rain or another water intrusion, is by finding a Restoration Company that you feel comfortable with, LIKE and can wholeheartedly trust.

Find out why so many of our customers are repeat customers. Meet our SERVPRO of West Covina team, they are the best! The picture posted here on this blog is just one damage that this local business has had occur. In total, they have called our SERVPRO of West Covina team out to their various properties over six different times. We are grateful for their consideration and repeat business for all of their home and business property cleanup needs.

Mold found at a Commercial property in Rancho

4/25/2019 (Permalink)

Look at what this Rancho property's maintenance person found behind paint and building supplies. Some mold needing to be safely removed...

Being a preferred vendor for most national insurance and local property management companies we tend to be a first responder for water leaks or damages. Usually, the first call made once an issue is discovered is to either an agent or property manager then they call us for our free inspection and estimate. Even when one of our out of state investment properties flooded full of water, our very first call was to our property manager instructing them to please call the local SERVPRO because we wanted the cleanup and reconstruction handled properly.

A recent call that we got in regarding water leaking was from a commercial property manager in Rancho Cucamonga. The water leaks were affecting multiple businesses but all in one center. One was a pizza restaurant that was dealing with a mushy ceiling from what was thought at the time to be due to recent rains and the water damage it left behind. Another was a different eatery sharing a wall that was dealing with reoccurring water intrusion that resulted in mold. It is no fun dealing with mold whether it is in a residential or business setting because potential allergy and health concerns for everyone is the main concern. Sometimes the mold may not be visible but a damp musty smell is present. Other times such as in this circumstance the mold discovered was found upon opening the room as spots were speckled across the white drywall. The source of the leak was the first to be determined so as to make the needed plumbing repairs, then the removal of mold could proceed. If you are ever wondering about a moldy, odd or weird smell, give us a call. Mold removal is one of our specialties and our mold inspections are complimentary. Call anytime!

Water Damage at a Local Place of Worship in West Covina

4/24/2019 (Permalink)

Our infrared camera quickly pics up on water-saturated areas in this commercial building by reading & illuminating the colder temps in blue & purple.

Whenever a special event is coming up, much preparation, cleaning and hard work go into getting the facility ready. This past weekend in preparing for a very special event, a local place of worship accidentally left the water running in a planter in hopes of maximizing the landscape. Unfortunately, the water ran all night and the next day flooding had occurred on the inside of the building since the water soaked into the building materials.

One of our specialty pieces of equipment to detect temperature variances and how far the water has traveled is an infrared camera. Note the images posted as they show the high heat radiating from inside the building. The heat is amped up by specialty equipment to dry the structure completely and as fast as possible to get the building back into working order as soon as it is feasible. Because this was a commercial building, time was of the essence. We love this camera because it can show hot and cold temperatures inside a wall. In most cases, this aids our water technicians being able to thoroughly map out the path the water took and develop the most effective water damage cleanup plan of action for drying out the structure.

Time is Money

4/23/2019 (Permalink)

Save time & money. Hire SERVPRO of West Covina for all your Commercial Cleaning needs. Ready to rescue 24/7!

Businesses whether retail, office, school or industrial companies alike, all know that time equals money. So when a commercial property suddenly is faced with fire or water damage, taking action to resolve the problem both the proper way and quickly is crucial. Every moment the day to day operations are down is costly. As a professional restoration team who works closely with national insurances, local businesses and property management companies, we know they all have the goal of keeping costs to a minimum. So, we work extremely hard to be efficient at what we do from the beginning to end of each and every loss.

If flooding has occurred, safety is always first. Beware of slips, falls and potential risks of electrical shock. Will you need water extraction or pump out, help with protecting and salvaging items and equipment around the affected areas and professional structural drying to avoid potential mold issues?  If a fire occurred, is everyone safe? To keep from injury and to prevent further damages, keep the burned and smoky areas clear of foot traffic and from being touched. Do you need help with inventorying items lost in the blaze, removal of soot and smoke odor? Will construction services be needed? Has water damages occurred from extinguishing the flames? SERVPRO can help with all of the above.

By responding immediately and with the appropriately sized team for the cleanup situation, we help to meet the goal of saving time and money. Many times our teams work around the clock in shifts to proceed with the commercial restoration process in a suitable manner. We understand each day the business doors stay closed, money is not being generated as it should. We know that if the facility is a restaurant, grocery store or food manufacturer, not until the damaged space is returned to a safe and sterile environment, will the California Department of Public Health and Safety will be able to give their clearance to reopen. This will ensure the safety of the business’s environment. Our recommendation? Only use a professional restoration company that has well trained IICRC Certified team members along with a fine reputation for doing quality work in the community. One that has a General Contractor’s license and is familiar with California state guidelines, building codes and reducing costs ultimately saving you both time and money.

West Covina Commercial Water Damage

4/24/2018 (Permalink)

Call our SERVPRO of West Covina Team 24/7. 626.960.9145

We have our teams on stand-by around the clock… so when the water leak or flood calls pour in, we respond with excitement to help by responding quickly.  Any business having to deal with down time is losing money so our goal is to get you back, up and running as soon as possible. Sometimes it means working long hours or through the night but we are dedicated and always happy to do so.

Responding to a toilet overflow (from the tank resevore - clean water), we are never quite sure as to the extent of the damage until we walk the building site. In this instance, the water from the toilet ran all night long and poured out amongst all the offices. So, in the morning, when the first office worker opened the front door, she was surprised to find objects floating all around in several inches of water.  It was decided to call the closest SERVPRO. Fortunately that was us at SERVPRO of West Covina, so ten minutes later, the very first thing our water technician did was turn the water main off, then got right to work by extracting  the standing water and placing drying equipment to dry out  the multiple offices.

Despite the temporary interruption, the business owner was super appreciative to our entire team and pledged that we have a customer for life. We love helping to support our local community businesses!

Chino Hills Pot / Marijuana House Cleaning

4/12/2018 (Permalink)

Local landlord discovers renters were using their rental home for growing marijuana. Lots of damage resulted.

First thing this morning, we sent one of our inspection crews out to Chino Hills for a ‘pot house cleaning’ and mold issue. From time to time, our team receives such calls to inspect houses or even commercial buildings that have been discovered to have been taken over by a secret marijuana grower. We have been called out for large single dwelling homes, multiple jumbo homes in a single block and commercial warehouses and buildings, all of which were completely covered with mold. Our inspections discover boarded up windows, growing stations, potted plants and typically mold everywhere on all walls and ceilings from the moist damp conditions. Truly a property owner’s nightmare, but they are always appreciative that we are there to help return the property back to livable and rentable conditions ASAP.

Our specialty cleaning & mold removal professionals are very detailed and thorough. Any standard visual inspection is complimentary. Call our office for any specialty cleaning needs, even unusual ones like uncovering a marijuana-filled room or building…

Water Leaks & Plumbing Issues… is it simply enough to get them repaired?

4/3/2018 (Permalink)

Water extraction needed in this Covina Office, then the dry out of the structure, office furniture and supplies could begin…

We place great value in the money invested in our Commercial and Residential properties. When it comes to maintenance, we work hard to stay on top of the problems so they do not quickly multiply. It is wise to fix water leaks from dripping faucets right away to preserve our water supply. Such leaks from plumbing fixtures/fittings or pipes sometimes are apparent and visible but unfortunately many are hidden and may go undetected causing rot and costly damages.

Many at first think that mopping up visible water is all that is needed, but some may fail to realize that a lot of times, water quickly travels into the carpet or floor padding, past baseboards, to walls and beyond.

The detection of water behind these areas requires professional equipment. This should be taken seriously because left ignored the damaged surfaces can develop mold which thrives in moist dark areas such as behind walls, cabinets or under flooring, all in the matter of days or even hours.

To avoid missing crucial cleaning steps, utilize a water damage professional with proper IICRC training.

In the SOCAL area? Local property management companies love us for our immediate response. Call to ask about our complimentary inspections  1.877.469.7776

The Most Effective Way to Get Peace of Mind as a Landlord, Tenant, or Renter

7/11/2017 (Permalink)

Commercial bathroom with a shower enclosure is covered in soot after a fire in West Covina. Just imagine how bad the charred smell is...

As a protection, most commercial property landlords will require tenants to carry business liability insurance. In addition to a homeowner’s policy, many landlords are now requiring their tenants to carry renter’s insurance because it protects both parties if disaster strikes.  If a tenant who holds such a policy causes damages to a suite or unit, their insurance may cover repair costs.  It may also aid in reducing disputes between landlords and tenants as their insurance helps to identify where coverage applies.

Some policies may be a small monthly expense but well worth the investment in the event of fire, water or mold damages occurring at your property.

 “Our team witnessed a property fire claim loss this year in Baldwin Park, CA where a landlord renting to her own daughter missed the mark in this regard. Sadly the fire (started by a burning candle) destroyed large sections of her property along with the vast majority of her daughter’s furniture and belongings. Making matters worse, her daughter/tenant failed to seek out her own insurance policy as a tenant. If she had, it would have provided a degree of protection. Can you imagine having to replace all of your day to day items used in your home or business all at once? Overwhelming to say the least but even more so without any financial restitution…”

Be Well Informed and Prepared

Most important is to be well prepared by knowing what your specific insurance policy covers and doesn’t cover. Signing up with your auto insurer, a multi-policy discount may result in surprisingly low premiums along the lines of $10-$15 a month, depending. What your renter’s or tenant’s business owners policy may cover could be contents which helps to cover the cost of replacing your effects if they are ruined due to water damage, smoke & fire or theft. Additional endorsements or umbrella policies may help to better tailor to your commercial or residential needs. Included in most policies is liability. This helps protect you if someone gets injured inside your home or business and loss of use provides a place to stay temporarily and covers extra food expenditures if forced to relocate while repairs are being made.

What it doesn’t cover is the full value of some items. Some insurance companies place a cap on pay outs and are limited on damage or theft claims. Living in Southern California, something to consider is potentially purchasing separate flood or earthquake insurance if you own expensive items that could be destroyed by a natural disaster. Ask lots of questions of your insurance agent and understand the extent of your policies so that you are adequately covered for any unforeseen event.