Archived Blog Posts
The Importance of Business Insurance: Protecting Your Company, Assets, and Employees
Choosing the right insurance for your business to help protect your assets.
As a business owner, you may have many concerns and priorities to juggle, from managing finances to keeping your employees happy. One important aspect that should not be overlooked is having proper business insurance. Business insurance can protect your company and your assets in the event of unexpected events or disasters. In this blog, we'll explore why you need business insurance and what it can do for your business.
Protects your assets
Your business assets, including equipment, inventory, and property, are critical to the success of your business. Without proper insurance coverage, any damage or loss to these assets can be financially devastating. Business insurance can provide protection against property damage, theft, and other unforeseen events that may damage your assets. This can help you recover from any losses and get your business back up and running as quickly as possible.
Protect your business from damage
Having business insurance is crucial in protecting your business against unexpected events, including water, fire, mold, or storm damage. Such events can cause significant damage to your business property, equipment, inventory, and disrupt your business operations, leading to financial losses. Without proper insurance coverage, you may have to bear the entire cost of repairing or replacing damaged property or equipment, which can be financially devastating for your business. Business insurance can provide coverage for property damage, business interruption, and other related expenses caused by these events, allowing you to quickly recover and get your business back up and running. It is essential to review your insurance coverage regularly and ensure that it adequately covers your business's unique needs and risks.
Business insurance can also protect you from legal liability in case of any accidents or injuries that may occur on your property. If a customer slips and falls in your store or office, for example, you may be held responsible for their medical bills and other related expenses. Liability insurance can cover these costs and protect you from lawsuits and legal fees.
If you have employees, having proper insurance coverage can help protect them as well. Workers' compensation insurance can provide coverage for any work-related injuries or illnesses that your employees may experience. This can help you avoid costly legal battles and protect your employees' financial well-being.
Peace of mind
Running a business can be stressful, and unexpected events can only add to that stress. Having the right insurance coverage can give you peace of mind, knowing that you and your business are protected in case of any unforeseen events.
Compliance with regulations
Depending on your business type and location, there may be legal requirements for having certain types of insurance coverage. For example, if you have employees, you may be required to have workers' compensation insurance. Compliance with these regulations is not only a legal obligation but also ensures that your business is protected in case of any incidents.
In conclusion, having proper business insurance is crucial for protecting your assets, employees, and business from unexpected events. It can also provide peace of mind and ensure compliance with legal regulations. Consider your business's unique needs and risks, and consult with an insurance professional to determine the right coverage for your business. Don't wait until it's too late – protect your business today with proper insurance coverage.
What Are The Leading Causes Of Fire Damage In Homes?
Fire can spread quickly, give the professionals a call after a residential fire loss
Fire damage is serious and it can happen in a variety of ways. It can be easy to get complacent about the dangers of fires in your home, but it’s always best to be aware and prepared. In this post, we’ll look at some of the major causes of fire in homes across America and what you can do to prevent them.
There are several ways that cooking can cause fire damage in your home. One of the most common causes is overheating and ignition of oil or grease, which can happen when you leave food in a pan on the stovetop for too long without turning off the burner. When cooking, never leave food unattended.
Heating equipment is the leading cause of home fires. Space heaters and furnaces are the most common culprits and cause fires if they're not used correctly. Make sure you know how to safely operate any type of heating appliance in your home, especially if you have children or pets who may be tempted to play with them.
Electrical fires are another leading cause of home fires and can result in significant damage to your property. Electrical fires are caused by faulty wiring, overloaded circuits, or damaged electrical outlets.
If you're experiencing an electrical issue with your home's electrical system, or if you notice signs that there might be a problem, contact an electrician as soon as possible. You should also use surge protectors and power strips to prevent overloading circuits in areas where they may be at risk for damage or failure.
It's important to take care when using candles. Candles can be very dangerous if they are left unattended or set up improperly. When burning candles, consider the following:
- Keep candles away from children and pets.
- Make sure that candles are placed at least three feet away from anything flammable, such as curtains or clothing items hanging on a rack nearby.
Fire damage cleanup and restoration
When you need fire damage cleanup and restoration services, who should you call?
At SERVPRO of Firestone, Platteville, we offer a range of services to help you get your home or business back to normal after a fire. Our team is highly trained and experienced in cleaning up after fires, so you can rest assured that your property will be in good hands.
We understand that fires happen under many different circumstances, which is why we offer a wide variety of services.
Fire damage can be devastating to your home and your family. The good news is that there are steps you can take to prevent fire from happening in the first place, as well as ways to protect yourself against it once it does occur. If you want more information on how we can help protect your home from fire damage, contact us today!
Reopening Your Business Following a Natural Disaster
If your Firestone business was affected by a natural disaster, give SERVPRO of Firestone, Platteville a call.
Reopening your business after a natural disaster can be intimidating and exciting all at the same time. But if you don’t have a plan, it can be incredibly difficult to get back in business after even the smallest storm. Here are some ways to help mitigate the damage of any future storms and get back to business as quickly as possible.
Create a Reopening Plan
You should plan to reopen as soon as possible. As soon as you decide in what capacity you will be able to reopen your business, follow this process:
- Create a reopening plan that is flexible but still has a timeline and specific goals for how you want to get things done. A good example is "reopen my restaurant by the end of October."
- Plan ahead for communication with customers and employees about when they can expect to return to work or resume regular customer service hours.
Make sure that you have the necessary equipment and supplies to reopen your business. You may not be able to get the same equipment or supplies used for your previous location, so make sure you are prepared with alternative options.
Contact Your Insurance Company
Contact your insurance company immediately after a natural disaster. Whether you have general liability or business interruption insurance, be prepared to provide proof of loss for your property, equipment, and inventory. You may need to file a claim for the damages you sustained due to the storm.
If you do not have insurance, consider getting it. Natural disasters can result in significant losses that could jeopardize your business if they go unaddressed by an effective policy like this one!
Communicate With Customers and Employees
It is important to communicate with customers and employees on a regular basis. You can do this through social media, email newsletters, text messages, phone calls, or even in person. This will ensure that they are aware of anything new regarding the situation.
If you plan on opening your business again after the storm passes (or if it hasn't yet hit), let people know what their options are for getting back into contact with you once things have stabilized enough for your company's operations to resume as normal without interruptions.
Prepare for Future Disasters
Here are some tips to help you prepare for a future disaster:
- Create a disaster recovery plan that
- Backup of your data and systems
- Find an alternative location for your business to operate from (if possible)
- Have an emergency kit for employees
- Keep updated contact lists with phone numbers and addresses of key personnel who are not at headquarters (e.g., IT staff, HR manager) at all times so you can reach them during emergencies.
If there's one thing we learned from this article, it's that natural disasters can be very dangerous for businesses of all sizes—especially if they're unprepared for them! But there are also steps you can take now that will help protect against future losses, and even bring new opportunities into being by helping others cope with their own struggles along with yours!
If your Firestone business was affected by a natural disaster, give SERVPRO of Firestone, Platteville a call and we will help you get back to normal as quickly as possible!
What Do I Do If My Washing Machine Leaks? Causes and Fixes
Even though leaking washing machines are a common issue, diagnosing them can be challenging.
Causes and Fixes of Washing Machine Leaks
Leaking washing machines are a common problem, but they can be tricky to diagnose. Luckily, we're here with the help you need. We've broken down all the possible causes of leaks and how to handle them. You'll learn how to figure out what's causing your leaky machine and what might be wrong with it, too.
What Is Causing My Washing Machine to Leak?
First and foremost, it is important to remember that there are many different causes for a washing machine leak. That being said, there are several things you can do to identify and correct the problem.
Check if your washer has a dripping faucet or loose hose connections. If so, replace them immediately! The water pressure from those sources could have been enough to cause leaks in other parts of your house as well.
Inspect all hoses and connections for signs of wear and tear: cracked or brittle hoses should be replaced immediately; loose connections may also lead to leaks if left unattended.
Fill hoses are especially susceptible to wear and tear over time! If there are no visible signs of damage on these hoses, try reattaching them with new clamps or hose clamps; this could solve issues with leaky fill hoses without having to replace them completely.
Check all valves on any water supply lines coming into your house (both inside and outside). They might be damaged or malfunctioning without you even knowing it. If one appears damaged by rust or corrosion, then replace it right away before any more damage can occur inside your home's walls or plumbing system. These kinds of damages could end up costing thousands of dollars down the line when repairs become necessary.
Check the drain pump: The washing machine has a pump that pushes water out of your house so that it doesn’t flood and damage anything around it. If this is broken or damaged, then water will continue to leak from your washing machine even after you turn it off because of gravity pressure from above. To fix this problem, simply replace any parts if needed (like an impeller) and reassemble after cleaning everything off.
What Should You Do If Your Washing Machine Is Leaking?
Here's what you should do if your washing machine is leaking:
- Turn off the water supply to your washing machine. Only turn it back on when you're ready to use it again.
- Remove the washing machine from its place in the flooring, if possible. Also remove any other items that might be affected by water leakage, like dishwashers or ovens.
- Replace any worn-out or damaged parts of your machine that may be causing leaks
Hopefully, this article has helped you get to the bottom of your leaking washing machine. Whether it's a simple fix or something more involved, it's good to know what's going on with your machine and what steps you can take to fix it. If you can’t DIY a fix for your washing machine, it is important to call a professional! If your leak has damaged your home, call a restoration professional for all your water damage cleanup and restoration needs.
Should I Worry About the Water In My Crawlspace?
If you notice water in your crawl space, don’t ignore it!
Is it Bad If There's Water in My Crawl Space?
As a homeowner, you probably think of your crawl space as nothing more than a place beneath your home. However, it is an important part of your home’s structural integrity. A wet crawl space can lead to serious issues with the safety of your house. So if you notice water in your crawl space, don’t ignore it!
Crawl Space Water Can Lead to Serious Problems
If you've noticed a musty smell in your crawl space, you're not alone. This is often caused by moisture and condensation from the ground below seeping into your home.
But mold and mildew aren't just a nuisance—they can cause serious issues. If you notice mold growing in your crawlspace or on any other part of your home's exterior, contact a professional right away to eliminate it before it spreads further throughout the building's structure.
Why Do Crawl Spaces Get wet?
Here are the most common causes of a wet crawl space:
Rainwater can seep through the foundation and into your crawl space. This is most common in areas with high amounts of rainfall, like coastal regions where there’s more water than normal precipitation. But even if you don’t live in an area that receives much rain, it could still be happening to you!
Water can also come from leaks in pipes or plumbing fixtures. If the pipes that connect to your plumbing system are leaking (for example, if a pipe has burst), then water can seep down into your crawl space.
Wet crawl spaces can also be caused by humidity, water heater leaks, or other sources of water infiltration.
Why Is a Wet Crawl Space a Problem?
While the crawl space is the foundation of your home and its walls are sturdy, they are not immune from water damage. Crawl spaces can be prone to flooding when it rains. Even if you don't have a basement, there's a good chance your crawl space has an opening that leads to the outside world. A wet crawl space is a problem because it can lead to a variety of serious issues, including:
Mold. One of the biggest concerns with water in your crawl space is mold. Mold grows quickly and thrives in damp environments, so if you have significant amounts of standing water on the floor or walls of your home’s crawlspace, you may see signs of mold as soon as you inspect the area. If left untreated, mold can cause structural damage to your home and make it uninhabitable by humans.
Rotting wood framing. Wood framing relies on ventilation for proper drying out after a rainstorm or snow melt—and when there’s no airflow at all from an enclosed space like a crawlspace, the rot will occur much more quickly than usual due to lack of ventilation.
Water In the Crawl Space Can Sit There For a Long Time
Water in the crawl space can sit there for months or years and do damage. The worse the damage, the longer it will take to fix. The longer water sits, the more difficult it will be to remove and dry out your crawl space.
If you’re dealing with a wet crawl space, don’t panic! The first step is getting an expert diagnosis from a professional. There are many possible causes of water in the crawl space, so it’s important to make sure you know what kind of problem you have before you start treating it. If the damage is minor and can be fixed by sealing off leaks or adding drainage pipes, then this may be all that needs to be done. However, if it turns out that your home has structural issues that need repair before there will be no more flooding problems at all then let our SERVPRO team assist!
The Different Types of Fire Extinguishers
As you can see, there are many types of fire extinguishers.
How To Use a Fire Extinguisher
Fire extinguishers are an important tool for any household or office. They can help stop small fires from getting bigger and save you money on repairs. But did you know that there are different types of fire extinguishers for different types of fires?
Fire Extinguisher Ratings and Classes
The fire extinguisher ratings and classes are the most important when it comes to choosing the right type of fire extinguisher. A common misconception is that as long as you have a fire extinguisher, you’re good to go. This isn’t true! There are many different types of fire: electrical fires, chemical fires, paper fires…and so on. Therefore, there are different classes of fire extinguishers that can handle these different types of fires.
A rating is a measure of how effective a certain type of extinguishing agent will be at putting out specific types of fires (paper versus electrical).
Class A Fire Extinguishers
A class A fire extinguisher is used to extinguish fires involving ordinary combustibles such as wood, paper, and cloth. It is commonly found in homes, offices, and other commercial buildings. This type of fire extinguisher is the most common type found in businesses across the country. Class A fire extinguishers are rated for use on class A fires only so if there is a risk of something else catching on fire in addition to the "ordinary combustibles" such as gasoline, you'll need another type of fire extinguisher or even multiple types!
Class B Fire Extinguishers
Class B extinguishers are the most common type of fire extinguisher, and they’re used to put out fires involving flammable liquids such as gasoline, paint thinner, and cooking oils.
Class B fire extinguishers must have a minimum rating of 2A:10BC. If your fire is too large for a Class B extinguisher to handle, it is important to call 911 or your local fire department right away so they can help you control the flames before they spread further.
Class C Fire Extinguishers
Class C fire extinguishers are designed for electrical fires. These should be used on fires that are not burning but have the potential to start burning. They should also be used on fires involving combustible metals such as magnesium. Class C fire extinguishers should also be used on fires involving flammable and combustible liquids such as gasoline or diesel fuel.
Class D Fire extinguishers
Class D fire extinguishers are used to fight fires involving magnesium, potassium, sodium, lithium, and their alloys. You may also use it for fires involving titanium and its alloys. These kinds of materials will burn very easily, and they can be hard to extinguish. They can catch on fire if they are exposed to heat or sparks.
Most fires in homes can be extinguished by using a fire extinguisher.
Most fires in homes can be extinguished by using a fire extinguisher. Knowing which type of fire extinguisher to use, will allow using the correct one for each situation.
- If you have a small fire and can see it, you need an ABC-class fire extinguisher. These are the least expensive and most common types of extinguishers that are found in many homes, offices, and factories. They’re also the ones that have little plastic handles on top with a pull pin inside them so all you must do is pull out the pin, aim at your target (the base flare) and squeeze until no more gas comes out – then throw it away!
- The second type is rated as BCF (Blue Canister Fire Extinguisher) because they contain carbon dioxide instead of water like an ABC model does; this means they are generally easier to use since there’s no mess created by spraying water everywhere around where they were used on purpose…but they still work just fine against Class B fires such as grease or oil-based fires too!
As you can see, there are many types of fire extinguishers. Each type is used for different types of fires and needs to be handled properly. Make sure the extinguisher you use is rated for your type of fire (Class A-D). If possible, keep a CO2 or Halon extinguisher in your home because they are effective against class B, C and D fires. If not available, then use ABC powder instead as they will still work on these types of fires.
Essential Steps Homeowners Should Complete When Making a Fire Claim
Fire damage to a home in Lochbuie, CO.
Four Tips to Support Your Insurance Claim Process
According to Home Advisor, residents in Lochbuie, CO, may pay between $3,000 to $30,000 for fire restoration services. The amount varies based on the blaze's size and how much devastation it caused. Many people don't have that much tucked away for a rainy day, yet remediation and rebuilding remain vital.
Therefore, you probably want to rely on your insurance policy to assist with the costs. Does navigating the system seem daunting? Don't fret. Use the following four tips to support your insurance claim process.
1. Start a Fire Insurance Claim Immediately
Call your agent or enter a claim through your online portal, documenting the day of the conflagration and what happened. Early warning allows the agency to begin its paperwork and arrange for adjuster visits. In addition, this closes a gap for concerning questions about why they didn't know about the conditions sooner.
2. Work With Professional Remediation Experts
Your insurance policy supports your post-fire repairs, but the insurer requires evidence and proof of the event and aftermath. Work with a licensed and certified fire restoration team to identify the physical damage, supplying insurers with evidence-based reports.
3. Protect the Property From Other Events
Fires expose homes. The flames created gaps, and the fire crews worked to put out the blaze. Insurers need to know they have proper measures to reduce outsiders from entering hazardous zones, mitigating potential lawsuits. Furthermore, you need to prove that the exposures are closed off to keep out the weather and animals.
4. Document Your Losses and Action
Work with the crew to understand if smoke cleaning is feasible for your belongings. Teams have various equipment to remove the stains and odor, helping you maintain your electronics and valuable possessions. Keep a record of what you can't keep, and snap pictures of it, proving it's damaged. Send images to your ensure to support your property loss request.
Homeowners in Lochbuie, CO, may submit a fire restoration claim to help with remediation efforts. File quickly, prove your interest in minimizing further harm and photograph everything.
What Insurance Companies Expect From Preferred Vendors
Highly trained, highly equipped, and highly experienced.
What Insurance Companies Expect From Preferred Vendors
If you are an insurance agent, you may already be familiar with the concept of preferred vendors. Representatives should be aware of the requirements that restoration companies have for franchises that take jobs associated with insurance claims. Voluntary programs such as the SERVPRO National Account Participation Agreement set higher standards for franchise locations than most independent restoration companies operating in La Salle, CO.
Regular Employee Background Checks
Franchise owners who want to work on insurance company claims must voluntarily agree to a total of 21 requirements under the National Account Participation Agreement. One of these requirements is to run regular staff background checks, which is mandated for several reasons:
- Companies that prioritize regulatory compliance run less risk
- Law-abiding employees are less likely to engage in criminal activity
- Insurers are more likely to cover preferred vendor claims
Additional skill-based requirements relevant to the Institute of Inspection Cleaning and Restoration Certification can also apply. Employees are trained and can pursue further professional opportunities through a program recognized throughout the restoration industry.
IICRC Validated Restoration Methods
The IICRC offers certifications in several areas ranging from specialization in restoring particular types of building materials or contents to more general damage restoration. An insurance agent may also want to seek out a franchise location that has a particular type of specialist.
Professional Vendor Program Projects
Vendors who participate in programs must guarantee that insurance companies and property owners get good results. Restoration jobs processed through the program tend to be in the process of insurance claim settlement or settled claims.
An insurance agent should know what preferred vendors are and be familiar with restoration industry certifications. Insurers should look out for qualifications in line with the National Account Participation Agreement. Agents can locate franchise locations of the largest nationwide restoration company to better serve La Salle, CO.
3 Tips to Prevent a Space Heater Fire
Space heaters cause approximately 25,000 house fires each year.
Minimize The Risk Of a Fire With Your Space Heater
Space heaters can be a simple and cost-effective way to heat a drafty room, but they can also be potentially dangerous. According to the Consumer Product Safety Commission, space heaters cause approximately 25,000 house fires each year. A burned space heater can cause serious damage to your home, leaving you to deal with structural repairs and smoke cleanup. These tips can help you minimize the risk of starting a fire with your space heater.
1. Select a Safe Model
Not all space heaters are created equal, and some are safer than others. Don't use a space heater that is more than 10 years old, has a damaged cord, or shows significant signs of wear. Newer models tend to come equipped with more safety features. A few to look for include:
A safety sensor that automatically turns the heater off if it overheats or gets knocked over.
Certification from an independent safety testing group, such as UL, CSA International, or Intertek.
A power cord that is at least six feet long --- using a power strip or extension cord exponentially increases your risk of a burned space heater.
2. Choose a Location Wisely
Where you place your heater is just as important as which heater model you use. Always place your heater on a hard, level floor, never on a table or counter. Do not place a heater within 3 feet of combustible items such as drapes, furniture, blankets, fluffy or shaggy rugs, gas, paint, or matches. Choose a low-traffic location where pets and children will not be likely to go near the heater.
3. Use Your Heater Correctly
Never leave a running space heater unattended overnight or if you are away from home. Always unplug the heater when you're not using it. When unplugging your heater, grasp the plug (not the cord) and pull it straight out. Never unplug by tugging the cord or pulling at an angle. Doing so could damage the cord, increasing the risk of a short.
Don't let a burned space heater damage your Gilcrest, CO, home. Use caution and follow safety guidelines closely.
The 72 Hours After Roof Damage
Mold growth on the ceiling due to a roof leak.
The First 72 Hours Following Roof Damage
Leaks can undermine the seal of a building envelope in a matter of hours after damage strikes the roof of a commercial structure in Johnstown, CO. Within 48 to 72 hours, conditions may deteriorate to the point where black mold starts to grow on saturated surfaces. Learn more about what can occur during the first three days after roof damage without damage mitigation, roof repair and water damage restoration.
The First Day After Roof Damage
The severity of water damage caused by a roof leak depends on the degree of damage. Here are some potential risks associated with graduated levels of roof damage:
- Minor roof damage exposes roofing materials to damage
- Moderate roof damage admits water under a roof membrane or deck
- Major water damage brings water into a building's interior
While minor damage may only affect the utmost layer of a roof, more severe incidents may compromise the seal of membranes and permit water to penetrate down into the interior of a commercial building and cause a ceiling leak.
The Second Day With a Leaky Roof
The first 48 hours after roof damage are critical for preventing black mold. Property owners should periodically inspect the condition of roofing, especially after severe weather or potentially damaging incidents. It is important to schedule roof repairs and take mitigation measures, such as tarping over damage, within this time frame.
The Third Day of a Roof Leak
Mold growth may start within 72 hours after a leak. Airborne spores settle in moist locations, and many building materials such as insulation and drywall contain cellulose. Fungus converts this plant fiber into simple starches and sugars for nourishment.
Water that filters down through building materials becomes more contaminated and may become grossly contaminated Category Three black water over time. Thorough water damage restoration can keep black mold at bay at a building in Johnstown, CO.
4 Reasons a Faulty Water Heater Could Be a Big Deal
A leaking water heater is a common problem that many homeowners face at some stage.
Four Reasons Why a Faulty Water Heater Is a Big Deal
Nearly every home in the U.S. comes with a water heater. This ingenious device makes sure everyone in the household has access to the wonderful properties of hot water for bathing, washing hands, washing dishes, and washing clothes. Not only does the appliance hold anywhere from 40 to 70 gallons of water, but it also is connected to your plumbing system. A leaking water heater is a serious concern for several important reasons.
1. The Location of a Failed Water Heater
In most homes, the water heater is located on a lower floor. This means it could be out of sight and out of mind; if the unit does leak it might not be discovered for a while. This gives the water time to spread throughout a home, causing additional damage. A local water damage restoration company in Fort Lupton, CO, should be called right away when water damage occurs.
2. The Volume of a Leaking Water Heater
Most units hold enough water to meet household demands and then refill after usage. This quantity is large enough to cause significant damage to household furniture, flooring and personal items. As more water streams into a broken unit, this further exacerbates the situation.
3. The Difficulty of Cleanup
Many homeowners might find it hard to get equipment down into the basement. A professional crew, on the other hand, has the necessary personnel to get vacuums, water pumps and dryers into the impacted area. This will result in a more efficient cleanup.
4. The Technical Nature of Dealing With a Broken Water Heater
While some situations dealing with water damage are fairly simple, handling a faulty water heater often involves complex concerns. This includes removing the old unit and reinstalling a new one.
A leaking water heater is a common problem that many homeowners face at some stage. The situation can be quickly resolved with the help of qualified professionals.
Commercial Property Insurance Basics
A commercial insurance policy can save you a lot of money in the event of a fire.
Property coverage is an essential item in every business budget. Most commercial insurance policies cover damage to your structure in Frederick, CO, as well as any equipment, furniture, or other items that are marred or destroyed in a fire. The answers to the following questions can help you decide which policy to purchase.
What Does a Commercial Insurance Policy Cover?
A basic policy is designed to pay for sudden, accidental occurrences that cause harm to your property. It prevents you from having to pay the cost of fire damage mitigation services out of pocket, and it doesn't just cover the building itself. Other features of your property may be included in the policy:
- Office equipment
- Manufacturing machines
- Important documents
- External structures
What Factors Affect Cost?
Most commercial insurance coverage provides comparable protection, but if there are factors that put your business at a higher risk of fire, your policy will likely cost more. For example, a restaurant owner is probably going to pay more for insurance than someone who runs an office building. Newer buildings with better safety features such as fire-resistant building materials and a state-of-the-art fire suppression system can often get better insurance rates. When you meet with your insurance agent, be sure to ask about the factors that affect the cost of your policy.
Does It Matter Whether You Own or Rent?
If you own property, you need insurance to cover all the items listed above in the event of a fire. If you are renting from someone else, though, you still need to protect yourself. Your landlord's policy will probably only cover the items he or she owns. You still need coverage for the items inside, such as computers, phones and files.
A commercial insurance policy can save you a lot of money in the event of a fire. Make sure you have the right coverage for your business.
How To Check a Commercial Roof for Hail Damage
Hail can cause damage to your roof.
A commercial building may incur roof damage during a major hail storm in Mead, CO. The type of roofing material used on a structure will determine the type of damage hail can cause. Building owners and managers should be aware of the type of roof on a commercial structure and may want to personally inspect roofing or contact roofers after a storm strikes.
Know the Risks to Roofing Posed By Hail
The type of roofing on a commercial structure will determine how susceptible materials are to getting damaged by hail. These are four of the most common commercial roof types:
- Built-up membrane
- Modified bitumen
- Rubber membrane
- Thermoplastic membrane
A built-up membrane commercial roof may experience hail damage around exposed areas such as flashing. Any type of membrane runs a risk of getting punctured. If the owner or manager of a building is not sure what damage looks like on a particular type of roof, it is a good idea to contact a roofing inspection and arrange for a post-storm inspection.
Check the Roof After a Hail Storm
Check a membrane for visible signs of roof damage after a hail storm. Large hail and small stones can both pose puncture risks. High winds can also tear off components that secure roofing and compromise the protection a roof provides.
Contact a Roofer About Signs of Hail Damage
If you see signs of damage from hail on a roof or suspect that damage may be present, it is a good idea to schedule an inspection. A roofer can identify problems before they result in leaks that damage a commercial building.
Hail has the potential to undermine the seal provided by any type of roofing membrane. Once hailstones cause roof damage, it is only a matter of time before water damage affects an attic and the ceilings of a structure located in Mead, CO.
3 FAQs About Lightning and House Fires
A lightning bolt's primary goal is to find the least resistant path to penetrate deep into the ground.
Lightning and House Fires
A lightning bolt's primary goal is to find the least resistant path to penetrate deep into the ground. This makes most homes the perfect target. All of the conductive lines in your home attract bolts, which can start a lighting fire in your home. To better protect yourself from suffering this event and having to find a fire remediation company, you should know some of the key facts about minimizing your risk.
1. How Can You Stay Safe During a Storm?
Since water pipes and electric lines will attract the bolt, you should stay away from these during a storm. Avoid touching them. This means you should avoid taking a shower, washing your hands, doing dishes, playing video games, typing on a computer, or using any other wired device to avoid a lighting fire. It is safe to use wireless devices. Stay away from any windows that have metal frames as well.
2. What Should You Do If Your Home Is Struck?
If your house is struck, you should begin looking for signs of lighting fire. Check your attic and other high spots for any smoke. Feel your walls for hidden heat. If you notice anything, call for help. Additionally, watch for debris from chimneys, roofs, and walls.
3. Should You Have a Protection System Installed?
A protection system can greatly reduce fire risk in your home in Platteville, CO. Before spending the money on one, assess your risk of a strike and the proposed benefits. A good insurance policy may be a better option in many locations. However, high-risk homes can benefit from a system. Be sure to read about the various types before installing one.
To protect yourself from a house fire caused by a storm, you should understand more about what you can do to minimize your risk. Knowing what to do in the face of a disaster is also a good option.
4 Questions to Identify the Cause of Your Basement Flood
A flooded basement in Hudson, CO.
What Caused Your Basement To Flood
When you have a flooded basement in your home in Hudson, CO, acting quickly can prevent further damage down the road. Although water under the house is not something any homeowner wants to deal with, ignoring the problem is never wise. For this reason, familiarizing yourself with the top causes of a basement flood can help you know what to do if you ever find yourself in this situation. If there is extensive flooding, you may need to call a water damage remediation expert for assistance.
To figure out where the water is coming from, ask yourself these four questions.
1. What Is the Home's Location Like?
When it comes to locating the source of water under a home, one of the first things to consider is the land that is underneath the foundation. Ideally, you want to build your house on a sloped terrain so water can flow away from the basement area, but realistically speaking, this does not always happen.
2. How Is the Sealing in the Floors and Walls?
Another question worth asking is about the floors and walls. Take a look around your basement. Do you notice anywhere with damaged sealing between floor tiles or wall panels? If so, water can easily seep in during extreme weather and cause a basement flood.
3. Is the Gutter System Clean?
Next: How are the gutters? If you notice debris blocking water, clean them out. When you do, remember to check the eavestroughs underneath the edge of the roof. If water continues to overflow despite having a clean gutter system, you may need to replace your current eavestroughs with larger ones.
4. Does the Drainage System Work?
Finally, how is the installation of your drainage system? If it is not working properly, this is another thing a professional can help with. Sometimes, all it takes is a little downspout readjusting.
When you experience a basement flood, understanding the top causes can help you more quickly identify the best solutions. These questions can help guide you.
How To Avoid Spending Money on Water Damage Repairs
Water leaks can go unnoticed for extended periods of time.
Avoid Spending Money on Water Damage Repairs
While insurance can help you pay for emergency restoration services, you probably want to avoid making a business claim entirely. Unfortunately, there are lots of disasters that could force you to contact your insurer.
Freezing and water damage is the second most common cause of small business insurance claims. This category encompasses many types of losses, including:
- Warped floors or walls
- Destroyed carpets or inventory
- Structural harm
- Mold growth
A typical water or freezing claim costs $17,000. Some disasters, including floods and mold growth, are typically excluded from commercial policies. However, you can add endorsements to provide further coverage. Here are some other ways to avoid spending your company's hard-earned money on water damage repairs.
First, you should develop a disaster plan. This should include purchasing the proper insurance. Keeping your policy up-to-date and buying endorsements can limit the out-of-pocket expenses that your Firestone, CO, company incurs following an emergency. Do not wait until you have to file a business claim to check that you have sufficient coverage.
Your plan should also detail the resources you will have available along with processes for minimizing and assessing the damage following the disaster. Be sure to include a strategy for keeping your company operational following the water loss, as well.
Prevent Water and Freezing Damage
Of course, the best way to limit how much you spend on emergency repairs is to prevent water disasters entirely. There are several ways to do this. Start by sealing any gaps or cracks in the foundation. This should prevent water from leaking into the building during a rainstorm. You should also clean the downspouts and gutters regularly.
A frozen pipe break can cause significant harm, as well. You should thus insulate the pipes and keep the premises' temperature above 55 degrees Fahrenheit.
A business claim should help you pay for repairs following a water loss. Since these repairs can be costly, you should maintain your policy and prevent excess water from entering your premises.
What Personal Protective Equipment Is Necessary To Remove Mold?
During mold cleanup, PPE must be worn to protect the workers and prevent cross-contamination into unaffected areas.
What Personal Protective Equipment Is Necessary To Remove Mold?
Discovering mold growth in your commercial building in Hudson, CO, can cause a bit of panic. Mold is a hardy little organism that's excellent at covertly taking over large spaces. Mold remediation must begin immediately to stop further progression. It's also essential for workers to wear special gear to protect themselves.
Here's the personal protective equipment you'll typically see:
1. Hair Covering
The team will wear disposable hair coverings in the affected area. These coverings keep mold spores and other debris from getting trapped in their hair. Hair coverings will be removed and discarded every time workers leave the area to prevent cross-contamination into other parts of the building. A fresh hair covering will be used upon the worker's return to the affected area.
Workers typically wear fully-enclosed goggles. These eye coverings help ensure that no spores, debris or chemicals can get in their eyes during the mold cleanup process.
3. Face Mask
A specific type of respirator is worn covering the nose and mouth to avoid inhaling contaminates. These respirators can be disposable or reusable.
Disposable gloves are worn to protect the mold remediation specialists' hands from contamination and cleaning chemicals. The gloves are removed and disposed of every time the worker exits the contaminated area, and then a new pair is put on when they return.
Coveralls cover and shut out all spores from getting on the workers' clothes. These coveralls can be purchased in disposable or reusable varieties. Like the other PPE, they must be removed before leaving the area and put on again before returning to work.
6. Shoe Coverings
Coveralls sometimes include built-in shoe coverings. Disposable coverings are also available. Removing and discarding them when leaving the affected area will prevent tracking contaminates into other areas. Upon return, they're replaced with new ones.
During mold cleanup, PPE must be worn to protect the workers and prevent cross-contamination into unaffected areas. By hiring professionals, your building will be returned to its preloss condition as soon as possible.
How Do I Know If I Am Handling Black Water?
The bathroom is a common area to experience a water damage event.
Ways To Identify the Type of Water That Is Leaking Into Your Property
Not all leaks are equal in Platteville, CO. When you experience a severe leak or flood on your property, it is important to take the appropriate steps to prevent water damage. The water that enters a building is categorized by the following characteristics:
- Clean water
- Gently used water
- Contaminated wastewater
Find the Source of the Water
Knowing the source of the water entering the building is the first way to identify unsanitary water. If the water is coming from a water supply line, it is unlikely to be harmful to your health. Water that is sourced from a drainage pipe or a clogged toilet is highly toxic and should be dealt with safely. Locate the leak to determine the type of water.
Clean Water and Gray Water Sources
Clean water is water that is drinkable. A clean water leak is not toxic but should be cleaned quickly to prevent water damage to the building. Gray water is somewhat contaminated, having been gently used in sinks, showers, or washing machines. Though gray water is lightly contaminated, it is not as toxic as category 3 water.
Category 3 Water
Category 3 water, or black water, is highly toxic and, in most cases, is sourced from sewage. This type of water should be handled with extra precaution. Wear protective gear, such as gloves and bodysuits, if you will be cleaning water from sewers or drainage pipes. It is best to contact a professional water cleanup and restoration service to clean and restore your property from category 3 water damage.
Your local SERVPRO is Faster to Any Size Disaster and can properly restore your property today. If you have experienced a leak or flood from contaminated water, be sure to contact the experts preferred by most insurance companies. Acting fast will prevent severe water damage to your property.
If Your Building Catches Fire, Will You Be Prepared?
Plan an evacuation route
Will You Be Ready If Your Building Is Set on Fire?
Whether you own a multi-million-dollar corporation that operates out of a large commercial building or run a small, family-owned business that works out of a one-room retail store, it is important that you have a fire contingency plan in place. Your emergency plan should be well thought out; otherwise, you risk disorganization, chaos, confusion and injury in the event of a real emergency. To minimize damages and increase emergency response time, your evacuation plan should include the following:
- Minimum requirements
- An evacuation route
- A safe zone
- Emergency contacts
Your contingency plan should, at the very least, include an action plan that is specific to your industry and worksite. An insurance agency can help you assess your risks, and the local fire department or a Lochbuie, CO, fire damage control team can help you draft a plan that addresses both those exposures and any obstacles posed by your building itself (e.g., layout, structural features, etc.).
Plan an Evacuation Route
Your evacuation plan should include a map of the best evacuation routes for each area of the building. In addition to showing occupants how to safely exit the building, your plan should also give clear directions to the nearest safety zone.
Establish a Safe Zone
Once all of your building’s occupants have made it out safely, they’ll need somewhere to go. Pick one location per emergency route where all occupants can gather. You will want to get a headcount and assess damages, which can be difficult to do if everyone is scattered across town.
Include Emergency Contacts
Your evacuation plan should include a list of emergency contacts, such as the local fire department, the Lochbuie, CO, fire restoration team, local medical centers, a burn unit and an organization that deals in chemicals and hazardous waste.
Every business’s contingency plan is going to be different, but every business should have one. For more tips on what makes a strong evacuation plan, visit the United States Department of Labor.
Flood Cleanup Checklist
Drying services in a home that had suffered from water damage in Firestone, CO.
Checklist for Flood Cleanup
You can leave it to a broken pipe to ruin your day. So, your residence was flooded and now it’s time to prepare the cleanup. This can be a daunting task to anyone, no matter if you have any experience with flood waters. Here’s a checklist of what you should do when it comes to taking care of your belongings after a water-in-home situation.
Carpets, Clothing and Rugs
Most of the time, the advice about carpets, clothing and rugs is to replace them. If it turns out that the rugs can be salvaged, spread them out outside. Here, you can hose them off and use carpet shampoo to clean them. This can be done using a broom to work in the detergent. Unless your carpet is made of wool, you can rinse it with a gallon of water and a couple of tablespoons of liquid bleach. For clothing you hope to salvage, rely on dry cleaning to disinfect them.
If you look at your walls and see no signs of damage, you still want to take extra care with them. First, you should ensure that all the water in your property has been cleared out. If your walls aren’t dry, this is sure to lead to moisture problems down the road. If you have any mud or mold on the walls, then it’s time to clean them. In most cases, a formula of water and detergent can remove mold. In stubborn cases, bleach may be used.
When it comes to your floors, remember to check for buckling or warping. This could mean you need to get the floor replaced. Floors should be dried out completely and if salvageable, cleaned in much the same way as the walls.
Of course, as with any cleanup efforts, utilizing restoration specialists can also help. If you have a water-in-home situation in Firestone, CO after a broken pipe, consider this list to better handle it.
3 Ways To Banish Shower Mold
Shower mold in Hudson, CO.
Black mold anywhere in your home is a drag. But shower mold is particularly troublesome - after all, it’s where you go to get clean. Yet this perpetually moist environment is one of the most common places for mold to grow. There are ways to prevent mold if you don’t have it in your Hudson, CO, home, and kill it if you do.
Why Do I have mold?
It’s easy to think you did something wrong to have a mold problem. The fact is, it’s impossible to get rid of all mold and mold spores in our environment. These organisms love moist, dark areas like:
- Crawl spaces
- Beneath sinks
And of course, your shower. Fortunately, you have options.
Dry It Out
Mold loves wet areas, so one of the easiest ways to prevent it is to keep things dry. Invest in a bathroom fan to remove damp air following showers. Hang towels and clothes to dry, since piles of wet fabric offer a perfect place for mold to take hold.
Grout, the white stuff in between your tiles, is a common location for bathroom mold.
You can try bleach-based cleaners, but those don’t penetrate porous surfaces like grout. If your grout is covered in slimy shower mold, it’s best to find a contractor to replace your grout and start fresh.
Caulk is the flexible, silicon-based material that seals up your shower. It’s also another favorite place for mold to grow, as it tends to absorb water and never fully dry out. If mold is at home on your caulk, it’s easy enough to remove and replace with a trip to the hardware store and a little elbow grease.
Your shower should be a clean, comfortable place. If mold is threatening that, take charge! Use these tips or call a mold remediator to learn more about ways you can keep your shower fungus-free.