How Business Interruption Insurance Differs From Other Insurance
Interruption insurance usually starts when a business is closed due to a covered event.
For your company to remain strong in difficult times, it will need a good insurance plan. The complete mix of insurance products will depend upon many things, but your company will require a comprehensive policy that protects against property damage and liability concerns. A complete or partial rebuild could cost many thousands of dollars. A major disaster could also cause your building in Cornwells Heights, PA, to shut down for days or even weeks. In these situations, your company could face a significant loss of business income, resulting in the inability to pay creditors, vendors and employees. Fortunately, there is insurance available for a business shutdown.
The Basics of Business Interruption Insurance
This type of insurance is typically added to your primary policy, which pays for such things as storm damage, fire damage, a rebuild or other covered perils. Interruption insurance usually starts when a business is closed due to a covered event. It typically helps with the following operational costs:
- Loan payments
- Loss of business income
- Expenses as a result of the closed business
- Employee payroll
- Rent or lease payments
Once your company is able to operate again, this type of insurance is no longer in effect. In some cases, depending upon your policy, you could get reimbursed for efforts to set up a temporary place of business.
The Basics of Successful Remediation
No matter what type of disaster your company faces, it might need the services of a professional storm remediation franchise. This highly-trained team can remove standing water from your facility caused by storms or floods. An assortment of technicians can remove excess moisture, clean and sanitize the building and restore damaged materials. They can return your building to its original condition.
If a rebuild is necessary, experienced professionals can complete the work efficiently. This allows your company to get back to work again in a timely manner.
Staying Safe in a Commercial Fire: Here Are 3 Things Business Owners Should Do
A business fire can spread rapidly.
Three Things Business Owners Should Do
Owners already face enormous responsibility. Tasked with the daily function of the company, management has an eye on operations and profit. There is another vital side to the position: the safety of staff and the building. If a business fire occurs, it could harm both employees and the ability to work. For this reason, it's essential to craft a fire readiness plan and annually evaluate safety devices. Here are three things commercial owners in Bensalem, PA, should do.
1. Ensure There Are Adequate Escape Paths
Each year, have a fire preparation committee meet and review the current protocols. At this time, the group should discuss if emergency exit paths are functional or require any changes. Start by checking data of fire drills. Are people getting out in good time? If not, why? What could be changed about it? If you continue to have struggles, contact a fire restoration company to offer suggestions.
Update the maps, remove any obstacles and provide this new information to staff. Be sure all fire lanes are labeled clearly.
2. Purchase and Test Fire Extinguishers
During a business fire, flames may block exits. In this circumstance, employees should have access to fire extinguishers. One should be located every 75 feet and in rooms with heat sources or chemicals. Be sure they are in reach, not blocked. Hold classes on how to operate one, and check the expiration date annually.
3. Avoid Electrical Hazards
A leading cause of fire damage is an electrical malfunction. Be vigilant about checking on appliances and machinery, ensuring that devices are in compliance with regulations and are in good condition. Have regular inspections of the equipment, and repair any concerns immediately.
Don't block outlets or electrical plates. Use cover plates, and keep wires hidden. Also, be sure employees are not stringing electrical cords. While electrical cords are helpful, they are dangerous when used long-term.
A business fire can spread rapidly, consuming hallways and rooms. Protect yourself and others by being proactive with preparation. Ensure those fire safety devices are available and that people know how to get out.
Preparing Your Commercial Building for a Flood
Commercial cleaning and restoration services in Langhorne, PA.
Flood Prevention Techniques
If your business in Langhorne, PA, is located in or near a high flood zone, flood insurance is a must. Flood insurance is available through the National Flood Insurance Program (NFIP) and can be added to your commercial building insurance plan. There are some flood prevention techniques you should also consider to reduce the risk of flooding.
1. Determine Your Base Flood Elevation
This calculation, known as the BFE, determines if your lowest floor is above or below the acceptable flood level. If it is below acceptable levels consider elevating the building at least 3 feet above the BFE, if possible. Contact your county's floodplain administrator for details in determining your BFE.
2. Install Flood-Resistant Materials
Use materials that are flood-resistant wherever possible. Water-resistant wall coverings, flooring and wall insulation will reduce the risk of water damage. Most of these materials can handle contact with water for about 72 hours before extensive damage occurs.
3. Utilize Dry Floodproofing Techniques
Flood prevention techniques, such as dry floodproofing, help to make your building watertight and keep floodwaters from invading your building.
Water-resistant shields should be placed over doors and windows located at or below the BFE. Water-absorbent sandbags, plastic tarps and sheeting should be placed in strategic areas around the building before the storm hits. These devices help to stave off shallow floodwaters.
Permanent swing flood doors or temporary flood gates can be installed to prevent deeper water from entering your building.
4. Invest in Backup Electrical Power
Consider purchasing backup power for your mechanical equipment and air conditioning system. Humidifiers and blowers help dry out materials quickly. If you find yourself in need of flood cleaning after a storm, however, don't attempt to tackle the problem yourself. Contact a water restoration service as soon as possible.
By implementing some smart flood prevention techniques, you can reduce the risk of severe damage to your building.
Is Your Home Affected With Category 3 Water? Here Is How To Find Out
Flooded basement in an Oakford, PA residential home.
Not all water is the same. Authorities class the fluid into three categories, clean, gray and black water. These degrees have to do with the hazardous impact of the fluid and how they enter the premises. While homeowners in Oakford, PA, shouldn't want to suffer from any of these to infiltrate the property, the last one is of utmost concern, requiring thorough and meticulous cleanup. Here is how to know if you have dirty water in your home and how to clean it.
Where Did the Water Come From?
When you start to evaluate your flood impact, think about the following factors to determine if you require sewage cleanup:
- Where did the water originate?
- Could it contain bacteria?
- What is the level of possible contamination?
A busted clean pipeline is unlikely to bring in harmful microorganisms. The dampness could trigger mold, but it isn't introducing any waste product. A gray line occurs from an indoor leak, often an appliance. Washing machines and dishwashers have hoses that carry away the dirty water. This fluid houses food and organisms. While not overly fraught with bacteria, cleaning is needed.
Black water arises from places that have human waste, animals or dirt. The impact from an external water source such as the ocean, river, or sewer line falls under this zone. Leaving category 2 water alone, such as in standing puddles or without proper cleanup, may also turn into this group as bacterial levels fester and spread.
What Can Owners Do About This Concern?
When category 3 breaches the home, immediately contact a water and sewage restoration company. Specialists should assess moisture saturation and contamination, taking samples from the walls and air, determining the type and extent of the flooding. Then, the team puts together an action plan to restore the residence using scientific studies and awareness.
The crew evaluates porous and nonporous materials, dictating what may be salvaged and what must go. They set to work reducing the humidity levels and securing the rooms from further harm.
Don't ignore black water. Because of its hazardous nature, it's prudent to work with professionals to sanitize the home quickly and effectively.
Follow These Tips To Safely Use Your Space Heater
Avoid having a burned space heater.
Follow These Tips To Safely Use Your Space Heater
A burned space heater turns a convenient way to warm a single room into a major fire hazard. Not only can you lose money on the purchase of a new device, but the costs can pile up if the fire damages your Fox Chase, PA, home. You can avoid this danger by using the device properly and safely with the help of these tips.
Keep Combustible Materials Away
Any room has many potential combustible materials around. When positioning the space heater, keep it away from:
- Paper items (books, notebooks)
- Fabrics (blankets, curtains, bedding)
- Wooden furniture and items
- Gas cans
- Paint containers
All these materials can either burn fast when they are exposed to heat or react violently to it. You can prevent these interactions by placing the heater flat on a flat floor with no objects near it.
Clean the Air Filters
Another common cause behind a burned space heater is filthy and overstuffed filters. A space heater is usually left idle for long periods of time and eventually gathers dust that can clog up the air filters, causing them to overheat and start a fire. You can stop this incident by cleaning the filters at least twice a year. Wear protective gear, turn off the device and carefully clean the filters and other internal components with compressed air, a vacuum or a duster.
Unplug Heater When Necessary
A space heater requires minimal operation when you use it to warm a single location. Its simple use and its effectiveness over time can tempt you to leave it on while you do to another room or go to sleep. However, it can overheat or malfunction, lighting a fire without your knowledge. Unplug the device before leaving the room or going to sleep. Alternatively, look for a heater that has advanced safety features like automatic shut-off.
Reliable emergency restoration services can help you with fire damage and smoke cleanup, but you can prevent this situation with enough prevention. Follow these safe use practices to avoid having a burned space heater.
How SERVPRO Can Help With Emergency Response
SERVPRO can provide comprehensive pretesting services.
How SERVPRO Can Help With Emergency Response
When you are in an emergency, time matters. Fortunately, you can make this process easier by going through a damage remediation company in Eddington, PA. They provide a variety of claim services to help you get back on your feet quickly. They do this by working with your insurance company while performing cleanup services.
SERVPRO can provide comprehensive pretesting services like:
- Assessing the damage
- Stopping problems before they get worse
- Taking an accurate account of what needs to be done and when
Each of these services can prove vital to you resuming your normal business operations.
They are available during an emergency and have a local emergency response team. This helps to mitigate any incidental damage. They will be able to get to you quickly and are trained to deal with almost every type of emergency. Whether it is a storm, fire or flood that left your business damaged, you can count on them to be there for you quickly.
They can help you with the complicated process of filing the correct insurance claim. They offer services like electronic filing and online access to your claim files. They also work with a vast network of insurance companies, so there is a good chance that they understand any particular company's claims process. This can be invaluable when you just want the problem handled.
SERVPRO trains all of its response teams in all aspects of fire, water, storm, cleanup and restoration. Their technicians have an Institute of Inspection, Cleaning and Restoration certification. This means that you are getting the absolute best service and people who know what they are doing when it comes to various restoration situations. They also know how to speak with insurance companies and agents to achieve the best result.
When it comes to claim services, you want a company that has a good reputation with insurance companies. Only someone who knows the ins and outs of damage restoration and insurance can give you the best service possible.
Common Water Issues In Commercial Buildings
A damaged building foundation can cause a damaged plumbing system or other plumbing issues.
Three Of The Most Common Water Issues For Commercial Buildings
If you own a commercial building in Woodbourne, PA, there are many things you need to keep in mind to keep your building and employees safe. One of the most common causes of building damage is water damage such as leaking pipes. This type of water damage is preventable if you know the signs of common water problems.
1. Foundation Problems
If your commercial building's foundation is damaged, it can lead to major issues, especially if you do not address it promptly. Foundation issues caused by plumbing problems can cause drainage issues and soil displacement. These are issues that can cause your building's foundation to shift, crack or otherwise become damaged. A damaged building foundation can cause a damaged plumbing system or other plumbing issues. It may also lead to a loss of structural integrity, leaving your building vulnerable to further issues such as ceiling or wall cracks.
2. Deteriorated Sewer Lines
If your building has cast-iron sewer lines, you should be on the lookout for deterioration, excessive wear, or failure of these lines. A sewer line issue can present itself in many ways, including gas odors in the sewer or excessive drain clogging such as toilet backup or leaking pipes. Additionally, unusual indentation and deformation in landscape areas of your building can indicate a sewage problem. If you suspect that your commercial building has deteriorated sewer lines, you should call in an emergency water damage company to fix this issue before it becomes a bigger problem, as leaving deteriorated sewer lines can cause further issues down the line.
3. Water Pipe Damage
A pipe break, burst pipe, or leak can quickly become a costly issue. By dealing with this issue promptly, you can avoid the consequences of water pipe damage such as damaged walls, floors, or ceilings. Additionally, leaving these problems unattended makes your building vulnerable to mold and mildew. Be on the lookout for signs of leaking pipes, such as bulging walls or water stains.
It's important to act quickly if you notice any type of water issue to prevent lasting damages and call in a professional water restoration company.
How Do You Estimate Fire Damage to a Commercial Building?
Commercial fire damage in Oakford, PA
After a commercial fire in Oakford, PA, you’ll need to get an estimate for the repairs to your building. Depending on your insurance company and the policy, this will most likely be developed by the restoration company in conjunction with your insurance adjuster.
However, having some knowledge about what’s involved can help you understand the process and note anything that’s of concern. Some insurance companies can try to reduce the payout, so it’s best if you know your rights.
What Are the Basic Factors Impacting Your Estimate?
Your insurance policy may have limitations, exclusions and riders that will alter your payout. The deductible, or the portion of the damages you’re required to pay, will also vary. Overall, there are three causal factors that impact the cost to repair fire damage:
- How much of your building was damaged.
- The type and purpose of the building.
- The market value of your building.
How Bad Is Smoke Damage?
A major part of the appraisal is based on smoke damage. Smoke is insidious; it gets everywhere, finding tiny gaps and embedding itself into anything remotely porous.
Cleaning up the odor and toxic residue requires very specialized equipment and disinfectants in Oakford, PA. Always choose a local company with plenty of experience in deep cleaning and odor removal. They’ll have high-volume air scrubbers and heavy-duty odor absorbers that strip the oily residue away. Highly absorbent items such as carpet and drywall far removed from the flames still may have to be fully replaced.
Do New Repairs Have to Match Existing Areas?
When you receive the estimate, make sure the adjuster has allowed for repairs to appear uniform. The new portions must have a consistent appearance with new materials and paint matching what already exists. New construction shouldn’t be noticeable to the casual eye.
Some policies will also include lost possessions. Also, you can get a rider to cover your loss of normal business during repairs or other interrupting events. This type of insurance can be expensive, so talk with your agent to determine what’s best for you.
Is Fire a Covered Peril?
Fire damage in Eddington, PA
Expenses associated with fire damage cleanup and restoration damage can add up to tens of thousands of dollars. Business or building owners who have commercial property insurance should be able to file a fire insurance claim to cover most expenses associated with restoring fire damage and replacing losses. Policy details including endorsements, exclusions, or limits determine the amount of coverage.
Commercial Property Coverage
Commercial property insurance policies cover most fire restoration costs. Fire damage may not be covered if this peril is excluded or any of the following factors apply:
- Arson or intentional fire
- No property insurance coverage
- Vacant property
As long as a property is covered by an insurance policy, some funding should be available to mitigate, clean, and restore fire damage. The amount of coverage available depends on policy limits, endorsements, and exclusions.
Exclusions and Limits
Some types of coverage may be cut out of commercial property insurance policies. Exclusions are more likely for issues such as mold, which tends to originate as secondary damage due to primary water damage that was not properly restored. An insurance policy may only provide a limited amount of coverage for smoke cleanup and other supplementary cleaning and restoration procedures.
Additional Fire Coverage
A business that uses combustible or flammable substances on a regular basis along with other risk factors such as heat may want to obtain additional fire insurance. Depending on the property insurance policy, this coverage may be available as an endorsement or rider. Additional policies may be necessary for specific risks.
All of these factors determine how much coverage is available for fire damage mitigation, cleanup, and restoration. It may be necessary to tear out damaged materials and rebuild portions of a commercial building in Eddington, PA. Assessing risks, prioritizing safety, and maintaining a sufficient level of fire insurance coverage gives building and business owners more peace of mind.
6 Tips to Avoid a Grill Fire
Every time the grill is used the grates should be cleaned
Six Grilling Tips
For many people in Hulmeville, PA, warm weather creates the urge to fire up the grill. Enjoying good food and your backyard oasis with friends and family can quickly become a bad memory if a grill fire breaks out. In the right circumstances, even a small flare-up could lead to needing a fire and smoke damage restoration expert to get your home back to how it should be. To help keep the memories good ones, below are six grilling tips to keep in mind.
1. Only Outdoors
No matter if using charcoal or a gas grill, this method of cooking should only take place outdoors.
2. The Right Location
Ensure grills are located away from the home or other structures, including near covered porches, sheds, or garages. Verify that there is nothing above the grill, such as an overhang or branch. Keep flammable decorations away from the grilling area.
3. Trim the Fat
Grease is the main culprit in a grill fire. Although good marbling gives meat tenderness, ensure there isn’t any excess fat. Keep a spray bottle filled with water when cooking extra fatty meat.
4. Stay Alert
Grilling requires focus. Leaving a lit grill with food cooking on it can easily lead to a barbeque fire. From flare-ups to it accidentally getting knocked over, tending to your duties as the grillmaster should take the top priority.
5. Clean Counts
Every time the grill is used the grates should be cleaned. Deep cleaning should happen a couple of times a year. When grill time is over, let it cool. Placing a cover over it while it still hot could lead to a fire.
6. Inspect Before Using
If using a gas grill, inspect the tank, knobs, and hoses for any damage or potential leaks.
There is nothing quite like backyard fun, so make sure to keep safety on your mind when grilling to avoid a grill fire.