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4 Types of Fire Damage Covered by Commercial Property Policies
Smoke smell removed in Carrollton, TX
4 Types of Fire Damage Covered by Commercial Property Policies
Most commercial property policies include coverage for fire. Fire is the fourth most common claim filed by small businesses, and is the third most costly. The average fire damage claim amount is $35,000. Commercial insurance policies should cover most damage caused by a fire. Here are four major types of damage covered by these policies.
1. Building Materials
Fire can char or warp building materials. Combustible materials, such as wood, can be destroyed. Metal or other components may no longer be structurally sound. Porous materials, such as drywall or insulation, can be damaged by heat or exposure to water during fire suppression efforts. Commercial property insurance policies should cover the costs of rebuilding or restoring a structure.
Items in a fire-damaged building may be ruined by exposure to excessive heat or damaged by soot and smoke. Commercial insurance policies should cover the cleaning or replacement of contents. Obtain photographic or video evidence of damage, make a list of items, and provide proof of purchase if possible.
Electronics are among the contents of commercial properties. These items often call for more specialized restoration methods and may be more expensive to replace than other contents. Most commercial property insurance policies will cover the costs of cleaning or replacement.
4. Smoke Damage
Smoke stains surfaces and contents and can cause a black film to develop on internal electronic components. In addition to restoring or replacing materials or items with smoke damage, a restoration service may also perform odor elimination treatments. Air filtration and the use of ozone machines, thermal foggers, or other methods can get rid of every trace of smoke odor.
Most commercial insurance policies cover these types of fire damage. Make sure your business has adequate coverage. After a fire occurs, provide your insurer with an estimate from a damage mitigation and restoration company in Carrollton, TX.
3 Ways To Prevent Water Damage During Construction
Mitigation on commercial building due to pipe leak in Carrollton, TX
Preventing Water Damage During Construction
Constructing a new area or making renovations can benefit your business in Carrollton, TX in many ways. However, avoiding a water pipe repair or a leaking appliance can result in water damage during construction. There are several ways in which you can prevent water damage from occurring during construction.
1. Protect Important Areas and Items
In order to ensure that water doesn’t cause major damage to your business, it can sometimes be helpful to make sure certain areas in your business and items in your business are protected. For example, it’s often wise to make sure any electrical systems are turned off or moved away from the construction to prevent them from coming in contact with water. Additionally, using waterproof containers to store important documents can give you peace of mind.
2. Monitor Water Use Before and During Construction
If you know the average amount of water your business uses before construction, keeping track of the amount of water being used during construction will be easier. If you notice a sudden spike in your water usage, you can search for the potential causes of the jump in water usage. Additionally, if you do notice an increase in your water use prior to construction, it’s often best not to put off the water pipe repair or other issue, and instead fix the problem before construction begins.
3. Conduct Frequent Inspections
Throughout construction, it can be helpful to inspect your building to ensure there are no hidden issues. It can be particularly useful to inspect your appliances and pipes if they are near the area that is under construction, as these items are more likely to become damaged. By doing these inspections, you are more likely to notice a leaky or broken pipe or appliance, and you may be able to prevent your building from becoming flooded.
Monitoring your water usage and making a water pipe repair or fixing other issues before construction, keeping your building and documents safe and conducting frequent inspections can help you prevent water damage. Consider contacting water damage restoration professionals if your business has already sustained damage.
What You Need To Know About Commercial Storm Insurance
Purchase the best plan for ensuring your Carrollton,TX business
Storms are common in Carrollton, TX. If you do business in the area, you need a strategy for dealing with damage from both routine and severe storms. Purchasing comprehensive storm insurance is likely part of that strategy. Nevertheless, there are probably some important things about storm coverage you don’t know.
Coverage Extends to Storm Damage Only
Your organization’s insurance coverage protects it from unavoidable and unforeseeable damage that occurs during severe weather. If you plan to file an insurance claim, you must be sure that business damage relates to the storm. Said another way, you can’t expect to receive payment for damage to property that comes from another cause. Specifically, plan to not to file a claim for the following:
- Normal wear and tear to business structures
- Incidental storm damage due to underlying damage
- Damage to business-owned vehicles
Coverage Is Often Comprehensive
What storm insurance covers depends on the language in the policy. Most commercial packages, however, offer comprehensive coverage. If your business sustained damage during inclement weather, you can usually expect the following areas of protection:
- Computer systems
Coverage Must Be Enough To Rebuild
Recovering after a storm can be challenging for any business owner. While you can usually contract with a restoration service to mitigate the immediate effects of storm damage, you must be sure your insurance coverage is extensive enough to pay all associated costs. Remember, how much coverage your company needs does not necessarily equal the market value of your business. Instead, you must work with a qualified insurer to anticipate your organization’s insurance needs.
Any savvy business owner understands the need for excellent storm insurance. Since not all coverage is the same, you must think about your organization’s needs. With a bit of effort, though, you can likely purchase the best plan for ensuring your Carrollton, TX, business survives even the worst storm.
Why a Business Continuity Plan Is Essential
Creating a disaster plan is not just for your the safety of your personnel, but also to save your business time and money when disaster does strike.
Every business in Carrollton, Texas, is potentially vulnerable to a variety of threats including natural disasters, fires and computer system malfunctions. When disaster strikes, you need to quickly resume normal business operations, or you may face costly business loses. Because disasters can occur unexpectedly, your best protection is a well-devised business continuity plan.
Continuity Plan Benefits
A business continuity plan helps you prepare in advance for potentially destructive events. Businesses that develop emergency response plans often experience improved coordination and quicker recovery times, which provide several important benefits:
- Ensures the safety of personnel during and after the crisis
- Helps contain hazards quickly and efficiently, reducing the risk of additional damage
- Enhances ability to salvage equipment
- Minimizes financial loses
- Allows essential business operations to continue with minimal interruption
There are three common misconceptions that cause some businesses to discount the importance of disaster planning.
Believing Personnel Will Know How To React
Fires, floods and other disasters are frightening situations that can cause disorder and confusion. Without proper guidance and training, your staff may not know how to efficiently respond to a crisis, which may result in detrimental consequences.
Relying Exclusively on Insurance Coverage
Your insurance policy is a vital financial safety net that enables you to replace damaged equipment and successfully complete the cleanup and restoration process. However, it may not help you financially recover from losses such as delayed product release dates or diminished customer interest.
Deeming the Process Excessively Time-Consuming
Emergency response planning does require significant time and effort. However, if you do not have a plan in place and disaster strikes, you may jeopardize the welfare of your staff and waste critical time trying to devise a timely response that may be uncoordinated and ineffective.
Devise a Plan for Peace of Mind
Taking the time to develop a strong business continuity plan today can provide peace of mind in the long run. To complete the process, take the following steps:
- Conduct a risk assessment
- Analyze potential business impacts
- Brainstorm and implement prevention and mitigation strategies
- Test the plan and train staff
- Update the plan as needed
How To Make an Office Evacuation Plan
Make sure your fire escape plan is ready so that everyone can get out quickly during a fire.
October is fire prevention month, so now is the perfect time to get your office ready. One important step for fire safety is an emergency escape plan for your building in Carrollton, TX. The Occupational Safety and Health Administration provides for some guidance on the matter of evacuation for businesses. Here are the key components to include in your plan:
1. Designate a means of alerting employees to evacuation, such as a fire detection and alarm system.
2. Make sure fire alarms are located where they can be seen and heard by everyone on the property.
3. Have a fire escape plan, with routes and exits, for every room in the building.
4. Designate and train employees for critical evacuation roles, such as assisting guests and the disabled, machine shut down, first aid location, extinguisher use, and communication.
5. Establish a gathering place to verify that everyone is present.
6. Have accessible emergency contact information for everyone in your building as well as a post-evacuation communication plan.
Be sure all items in the fire escape plan are clearly communicated to employees and that maps are posted in multiple locations where employees can see them. Maps should be made for each area of the building and include all exits, fire extinguisher locations and first aid stations. Keep exit routes clear of obstacles and hold fire drills to practice the plan.
Make sure employees in upper floors do not use elevators and know where all stairways are. Clearly include a plan for action if a person should become trapped, including to block smoke by covering vents and gaps around the doors. Employees should also know how to communicate their exact location with 911, as well as signaling with a flashlight or other visual contact at the window so firefighters can more easily locate them.
Make sure your fire escape plan is ready so that everyone can get out quickly during a fire. A professional fire mitigation company can manage all your recovery needs from the time the fire department leaves until the final restoration of the building is complete. For more information, visit http://www.SERVPROcarrolltontx.com/.
Why Do I Need Commercial Flood Insurance?
Primarily depending on the location of your business in Carrollton, TX, you may be federally mandated to buy flood insurance.
Expenditures are plentiful when you are a business owner in Carrollton, TX. However, you feel confident that the commercial insurance plan you have will cover your property and contents in a disaster. What about flood insurance? Is it mandatory? What are the benefits?
Mandatory Flood Insurance
There are times when you must purchase insurance coverage for potential flooding at your place of business:
• If your commercial property is located in a high-risk flood area, your mortgage company may require you to obtain this insurance.
• Flood zone maps designate which areas are low or high risk. When maps are rezoned, your business designation may change. The mortgage lender may notify you if your property is now in a high-risk flood zone, which requires purchasing of additional insurance.
• At times, mortgage companies require insurance against flooding regardless of the flood zone.
Benefits of Insurance for Flooding
Flooding happens in areas regardless of risk level. Even if you are not mandated to insure your commercial property from floods, it is still a good idea:
• A basic commercial insurance policy does not typically cover floodwater. If water damage is not covered, you will probably have to pay a significant amount out of pocket.
• Even though there are federal programs in place to assist you in the event of a declared disaster, the money is not designed to fully cover complete restoration. Insurance can provide funds to restore your property to preflood condition.
• The water restoration specialist and your insurance agent can partner with you to seamlessly and efficiently get your business up and running after a flood.
Primarily depending on the location of your business in Carrollton, TX, you may be federally mandated to buy flood insurance. If you are not required to, it still makes good business sense to include it as a component of your commercial insurance policy. That way, you can be confident that your property is covered in the unfortunate event of flooding and water damage. For more information, visit http://www.SERVPROcarrolltontx.com/.
Tips for Restoring a Furnace After a Flood
When your commercial property in Carrollton, TX, floods from a broken pipe, every inch of the property that is affected has to be remediated to avoid further damage. This includes the flooded furnace. A furnace flood, if ignored, can cause much more damage to both the furnace and your air duct system if it is used before it is restored by professionals. Here are some tips to ensure that your furnace has been fully restored and is ready to be used.
1. Dry all components completely.
If floodwaters have made their way into your property's furnace, water remediation specialists must remove all the water in order for it to function again. This includes not only the water in the furnace but also any moisture that has made its way into the air ducts or the vents. Drying components prevents problems like mold and mildew growth, saving your building from further damage as well as musty odors.
2. Check surrounding areas.
If you have a furnace flood, it is probably not an isolated problem. Check the walls around the furnace for signs of water damage. Any damp insulation must be removed and replaced. Failure to do so can affect your furnace later on, as water does not tend to stay in one place.
3. Thoroughly clean your air ducts.
Getting your air ducts dry is only part of the process. Restoration specialists can perform air duct cleaning to make sure that any bacteria from floodwaters has been eradicated. This keeps you from spreading residual contamination from the flood throughout the building the next time the furnace is used.
If a busted pipe results in a furnace flood on your commercial property, it is important to enlist remediation specialists to help with the cleanup. They can help by ensuring that your furnace is free of water and contamination before you use the furnace again.
For more information, please visit us at http://www.SERVPROcarrolltontx.com/.
When Do I Need Commercial Flood Insurance?
You may think you don’t need commercial flood insurance, especially if you live in a particularly dry or elevated area of Carrollton, TX. Yet you’d be surprised by the situations in which flood damage can strike, and leave you high and dry on coverage for damages. So what’s the deal with commercial insurance?
What Flood Insurance Covers.
You may already have a commercial property insurance policy, but this only covers water damage related to burst pipes or other such incidents. When floods happen from storms, melting snow, hurricanes, or other natural disasters, you need a separate flood policy to cover it. This policy will cover floodwater damage to:
• Structural damage to walls, floors, and ceilings
• Business property
If a flood affects your property and these items or structures are damaged, then your commercial flood policy will generally cover the cost of replacing them with comparable items up to a certain point. An insurance adjuster will make necessary determinations regarding a claim, and the amount that may be awarded in compensation.
What Flood Insurance Doesn’t Cover.
Flood insurance doesn’t cover everything, though. Your policy usually won’t cover things such as:
• Damaged currency
• Mold and mildew damage, particularly if preventable
• Economic losses due to business interruption
• Cost of temporary premises or housing
• Vehicle damage
• External property, furnishings, and décor outside the commercial building
Some of these items will be covered under a standard insurance policy for commercial properties.
So I Need Both Flood and Commercial Insurance?
Yes. Commercial insurance covers one type of water damage, while flood insurance covers an entirely different type of water damage. To be safe, especially if you live in an area prone to flooding, high levels of snow melt, or other natural disasters, you should attain both types of insurance. Many insurance companies will provide you with a quote on a package to combine the two, or discuss your options for purchasing each policy separately.
For more information, please visit us at http://www.SERVPROcarrolltontx.com/.
What Affects the Cost of Fire Restoration?
Whether your commercial building in Carrollton, TX, was recently affected by a fire or you simply want to prepare for the unexpected, there is a lot you can learn about the restoration process after a commercial fire. One of the first things you'll want to know is how much it will cost. Your fire mitigation professionals may take a few factors into account when trying to figure out an estimate for the repairs.
• How much damage there is. The extent of the fire damage plays a huge role in how much you will have to pay for repairs. If it was a small fire contained to one room, your restoration costs may be less than someone who has to repair an entire industrial building. Most teams will have a restoration specialist to help you determine how much reconstruction is needed.
• How the fire was fueled. Fires can be fueled by synthetic materials, gasoline, dry wood and other materials. The type of fuel a fire had can affect the smoke it produced. Some fires may have a harsher smoke, so the restoration price may be higher because the cleanup process is more intense. Your team may have a mitigation manager help you determine the cleanup process needed for your project.
• How the fire was put out. Did firefighters have to cut ventilation holes? Was a large fire house used to dampen the flames? Were fire extinguishers the primary source of extinguishing? The methods used could affect the damage level and create a higher or lower estimate.
• How long the repair will take. The professionals also have to consider how long the job will take. If you want to put in a new sprinkler system during the repair process, you may add extra time to the job.
Without the help of a professional, it can be hard to estimate how much you will have to pay for fire restoration. When you don't understand the cleanup and repair process, it is hard to know how much goes into the reconstruction.
For more information, please visit us at http://www.SERVPROcarrolltontx.com/.
4-Step Business Continuity Plan
Every business in Carrollton, TX, should have a business continuity plan (BCP) in place. Also known as an emergency response plan, this document details what to do in case of an emergency or disaster where the business cannot run in a normal capacity. Events such as cyberattacks or catastrophic weather can derail a business if precautions aren’t taken beforehand to mitigate the financial impact.
1. Identify Risks
You should identify all of the business operations that are sensitive or critical. You should determine the key operations and answer these questions:
• What if all digital communication were inaccessible due to a cyberattack?
• How many and which staff members are critical for minimum daily functions?
• Which outside vendors are necessary for continued operation?
2. Develop Safeguards
Once you have identified the critical components of the business, you should develop plans to implement in case these functions cease. Use these questions as a guide:
• Can some of your employees work remotely?
• Is there an alternate site that can be used to resume operations?
• Do you have, or can you create, partnerships with some other businesses to provide resources in case of an emergency?
3. Test Procedures
Emergency services, such as police and fire, occasionally set up mock disasters to test their response teams. Businesses can do the same type of full-scale drill to test the viability of the business continuity plan procedures. If that seems excessive, simply walking through the procedures with the teams can also work. Knowing that a plan is in place and knowing the step-by-step processes may be all that is needed.
4. Review Processes
Once all of the procedures are in place, periodically review them to make sure that they are still relevant. If any aspect of the business has changed, the BCP should change also. New employees should be versed on important aspects of the emergency response plan.
The business continuity plan does not have to be long and complicated, but it should have pertinent information to help your business resume operations during or after a disaster or emergency. Having this plan in place, testing it, and periodically reviewing it for relevance can make a difference between success and failure during times of crisis.
For more information, please visit us athttp://www.SERVPROcarrollton.com.
Do You Need Mitigation or Restoration?
If you’re asking if you need mitigation or restoration, you’ve likely had water damage and are looking for a flood cleanup company for your business in Carrollton, TX. While related, they are different, so you need both.
What Is Mitigation?
When you have any kind of water damage, one of the first things you think of is keeping it from getting worse. Take these quick steps to start recovery:
• Cut off the main power supply to reduce the possibility of injury or fire.
• Block additional water from entering the area if safe and practical to do so.
• Prevent as much water as possible from spreading into other areas.
• Remove any easily portable items that can hamper mitigation efforts.
A flood cleanup company can help you take additional steps in the mitigation process. Water easily enters areas that aren’t open to your view. Experts can bring in modern water extraction equipment to further minimize damage any hidden water may cause. It’s also important to keep air circulating to assist with drying. This is usually accomplished by using commercial fans and/or dehumidifiers.
What Is Restoration?
Restoration is the process of getting everything back to normal and usually takes longer than mitigation. At a minimum, it typically involves using more sophisticated methods or equipment to locate and remove hidden pools of water. Technicians with expertise in structural drying and odor control can determine how best to accomplish both of those tasks to help reduce the financial impact of the damage. Depending on the scope and severity of the loss, restoration can include major structural repair. The restoration company you choose can manage the project to completion, relieving you of that responsibility so you can concentrate on serving customers.
Storm damage doesn’t always occur during business hours. A flood cleanup company in Carrollton, TX, that responds no matter when you call can help to minimize the impact repairing water damage can have on conducting your business.
For more information, visit us at http://www.SERVPROcarrolton.com.
Restoring Your Carrollton, TX Commercial Property After A Water Damage Event
Flooding and water damage events at Carrollton commercial properties are often complex with numerous issues that require a knowledgeable and flexible response. Whether we’re dealing with a relatively small 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 with the help you need.
About SERVPRO of Carrollton, TX
SERVPRO of Carrollton specializes in the cleanup and restoration of commercial and residential property after a 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.