Should Your Insurance Cover for Water Damage in Your Business Policy?
Choosing appropriate coverage for your business or commercial property can be hard. There are so many things that could happen, what is most relevant to your situation? There are a few business claim constants, and one of them is water.
A Common Problem
Water damage can happen to anyone, anywhere. There are many different sources: flooding, storms, plumbing issues or sewer backups. What does this mean for an owner of commercial property?
The average water and freezing damage claim cost is $17,000.
It is the second most common insurance claim for a commercial property to make, right under burglary and theft.
It can be exacerbated by geography- certain areas are more prone to severe weather patterns than others, including harsh freezes and hurricanes.
Not Always Covered
A typical business insurance policy might not have specified coverage for water damage, although you may be able to make a business claim under an "all perils" plan. So, this means that your coverage will depend on your situation. If your water damage is a result of an issue that is easily avoided with routine maintenance, it will probably not be covered. If it is sudden and could not have been prevented, it probably will be covered. However, there are add-ons for specific situations, also known as riders, that you can ask for in your policy.
Proper care can go a long way for reducing the likelihood of water damage coming from your plumbing. Freezing is a big cause of pipe break, so be sure to insulate any exposed pipes and maintain a temperature of at least 55 degrees Fahrenheit at all times. Have your drains regularly inspected and check for leaks often. Just in case, find a reliable water damage remediation company to respond should the need arise.
When looking at the history of commercial insurance and the typical business claim of commercial properties, it becomes clear where your priorities should lie. Water is present both inside and outside almost every building, so be prepared for what it can do.
Commercial Cleaning Services
If you are a business owner, or run a particular business that receives a lot of visitors and foot-traffic, you know how important it is to keep your business looking clean and in good shape. A lot of times, you don't have the time to worry about the common wear and tear that gradually soils your office.
When grime, odor, and moisture challenges go beyond the scope of your regular janitorial staff, you should call SERVPRO of East Orlando for prompt service. Whether it’s removing an odor problem or deep cleaning flooring or carpets, you can rely on us to make your workspace look its very best.
SERVPRO of East Orlando offers cleaning services ranging from cleaning restaurant hoods to removing biohazard contaminants. We have the specialized training and products to get your property back to business. Our cleaning services include the following:
- Air Ducts and HVAC
- Biohazard and Sewage
- Trauma and Crime Scene
- Carpet and Upholstery
- Drapes and Blinds
- Ceilings, Walls, and Hard Floors
- Odor Removal and Deodorization
What Happens To Your Belongings After a Disaster?
Water and fire damage affect not only the structure of your house but also your belongings. SERVPRO of East Orlando understands that your home is more than a structure. Your furniture, clothing, keepsakes, and other belongings are important to you. Your belongings are important to us, which is why we provide the following to help restore and protect your belongings while we are restoring your home.
If your home requires extensive restoration or cleaning, SERVPRO of East Orlando can conduct an organized, efficient move-out of the affected area. A move-out will provide several benefits, including the following:
- A quicker remodeling process
- Protecting items from potential damage
- Protecting contents from further on-site damage
When restoration is completed, we will work with you to coordinate the move-in according to your needs. The services offered upon move-in may depend on your insurance coverage.
We have in-house storage where we can keep your belongings safe from further damage, and can provide cleaning and restoration services for your belongings. We have four warehouses dedicated to storage where we can keep your items safe and secure. Your items will be placed in clearly identified and secured containers. You can rest assured that your items are being taken care of.
Contents Claim Inventory Service
When emergency strikes, the damage can often feel overwhelming. We can help ease the worry and confusion during the recovery process by offering our Contents Claim Inventory Service (CCIS), which provides a detailed and accurate list of your belongings. We take a room-by-room inventory of your contents, including digital photos, and in some instances, bar coding.
Our Contents Claim Inventory Service:
- Preloss list and value of contents
- Detailed and accurate report
- Better information to settle claims quicker
- Assistance with burden of proof for claims
If your home and belongings need restoration services, rest assured that SERVPRO of East Orlando has you covered. We can pack out, store and restore your belongings. Give us a call today at 407-704-0327.
Is Your Business Prepared?
Up to 50% of businesses never reopen following a disaster. This usually happens because the amount of damage was too large and too expensive to recover from. Your business should be prepared to minimize the damage to your business so that doors can open back for business.
There are a few things you can do make sure your establishment is ready.
Business that do reopen after a disaster most had a preparedness plan. You must identify the components of your business that are essential for it to continue running. Prepare a plan with the appropriate staff as well. Your staff must know who and what should happen in the case of an emergency.
Prepare your Emergency Plan
Have a plan in place. Letting SERVPRO prepare an Emergency Ready Plan (ERP) will help minimize the damage by having a quick response to an emergency. Knowing what and when to do will ensure that the right steps are taken. Something as simple as just knowing where the shutoff valves can save you from extensive water damage.
Review Your Insurance
Make sure you are familiar with your insurance. You need to know who to call when you need answers regarding your business. Understanding your policies will help you be able know what is not covered and reassess if your needs require more coverage.
The physical damages to your property but also internal damage to important files and data. Be sure to have all your data backed up.
How to Design an escape plan for your Office
Steps to Create a Fire Escape Plan for Your Office
One of your top concerns about your office building is probably the safety of the people who work there. While you may not like to imagine a fire breaking out in your commercial building in Orlando, FL, thinking ahead can help you prevent fires and keep employees safe if a fire does occur. The following steps can help you come up with an effective fire escape plan for your office.
1. Post Fire Prevention Strategies
The best emergency escape plan is one you never have to use. If you can prevent fires in the first place, you protect both your building and your people. Make sure everyone knows where the fire extinguishers are and how to use them. Post fire safety pointers such as a reminder to turn off burners in the staff break room. Make sure everyone in the building knows how avoid electrical fires and how to store flammable liquids safely.
2. Plan Escape Routes
Despite your best efforts, a fire may break out in your building at some point. If that happens, you will need a fire escape plan that gets people outside in an organized and efficient manner. When plotting the best route, take into account the path firefighters will likely need and be sure to keep it clear.
3. Assign Emergency Tasks
It's important for everyone to know what their roles are in an emergency. Your plan should include assigned tasks such as who is in charge of communicating with emergency personnel and fire restoration experts as well as who is responsible for making sure that everyone is accounted for.
4. Practice the Plan
Once you have a solid plan on paper, you need to put it into action. Host regular fire drills so that everyone can walk through the emergency protocol and understand how it works.
A fire in your office is a possibility regardless of how careful you are. Having a good fire escape plan can help keep everyone in your building safe.
Mold Enjoys Helping You do the Laundry
Think back to the day that your washing machine arrived. It was clean, dry and had that new-appliance smell. Soon, it was hard at work cleaning the dirty laundry. The new-appliance smell was quickly replaced by the scent of your favorite laundry detergent. Little did you know that mold already had plans to change that.
Your Washer Provides Everything Mold Needs To Thrive
After a while, your washer developed a smell that overpowered both your fresh-smelling detergent and fabric softener. Whenever that happens, the culprit is usually mold. It’s important to remember that a washer provides mold with the everything it needs to grow:
- Food in the form of unused detergent, soap scum and residual dirt
- Moisture from the wash and rinse cycles
- Warmth from the water and nearby dryer
A Complete Cleaning Will Remove the Mold Smell
There are commercial products available that claim to clean a washing machine and remove the smell. If you don’t wish to make a trip to the store, you probably have everything you need to do it the old-fashioned way. It is a simple four-step process:
- Mix 1/4 cup each of water and baking soda and place them in the detergent dispenser.
- Pour 2 cups of vinegar into the drum.
- Run the machine on the hottest wash and rinse cycle.
- Clean the gaskets and front of the washer with a scrubber.
Preventative Maintenance Is Another Option
Some people prefer to keep their washers clean and dry between laundry sessions. Regular cleaning may not guarantee a mold-free washer, but it should increase the time between cleanings.
Every Source of Mold Is a Cause for Concern
Washing machine mold may be common, but it is just as dangerous as other molds. Left untreated, it may spread may to other areas of your home. If that happens, there are mold treatment specialists based in the Orlando, FL, area. Their training, experience and equipment make them an excellent choice to deal with your mold problems. They are just a phone call away.
Check us out, we have been featured as a top Orlando option for the Handyman Reviewed! The Handyman Reviewed showcases the best handyman services in your location! Our franchise was selected as on of the 7 best options for water damage restoration in Orlando! Check them out below!!
How to Reduce the Chance of a Kitchen Fire
How to Reduce the Chance of a Kitchen Fire
Though fires can start in any area of the home, many fires often begin in kitchens, and kitchen fires can cause widespread damage to homes. Fortunately, there are various tips you can follow to help to reduce the chance of a kitchen fire occurring in your home.
1. Don't Leave Cooking Food Unattended
When cooking, it can be easy to become distracted. Though you may be tempted to leave your kitchen while cooking, however, this can result in a fire. Items left on a stovetop can burn and catch fire in a short period of time if high heat is used, and if you are out of the room when the fire begins, you may not be able to stop the fire from getting out of control. For these reasons, it's generally best to stay in the kitchen when cooking.
2. Clean Your Kitchen Often
When it comes to fire prevention tips, cleaning your kitchen can be beneficial. If grease has spilled on your stovetop or in your oven, or if you use a dirty, greasy pan, a fire can start quickly. A grease fire can be particularly dangerous because it can spread at an accelerated rate and cause major damage to your home. Cleaning your kitchen often, however, can reduce the likelihood of grease causing a fire.
3. Keep a Fire Extinguisher Nearby
Though a flame in a kitchen doesn't necessarily spell disaster if it is quickly extinguished, fires that aren't quickly controlled can cause devastation to homes. If a home has been affected by major fire damage, many homeowners find it helpful to contact emergency restoration services. However, the sooner you are able to extinguish a fire, the less likely that your home will sustain major damage. Having an ABC fire extinguisher (an extinguisher that can put out fires caused by trash, grease or electricity) in your kitchen can be wise.
Since kitchen fires are incredibly common, knowing tips to prevent this type of fire can be useful to homeowners. Preventative methods can include remaining in your kitchen when cooking, frequently cleaning your kitchen and keeping a fire extinguisher in your kitchen.
Choosing A Good Water Damage Restoration Company
The reality of a Floridian: tourists, beautiful beaches, seeing an alligator in our backyards almost as often as we see squirrels, questions like “Do you go to Disney like, all the time?”, and… storms. Lots and lots of storms.
So if you get water damage, no matter the cause, it’s not usually that surprising. It sure isn’t fun, though. You should know that if water damage, for even 24-48 hours, your chances of experiencing secondary damage such as mold or is very likely. By acting quickly when you experience water intrusion, you’ll not only reduce the possibilities of further damage, but you’ll also lower the potential of getting a denied insurance claim. By not taking fast action when you experience water damage, you are risking potential higher costs involved in repairs as well as health hazards for you and your family.
But with so much competition in water restoration, how do you know who does good work, who is fair, and most importantly, who will take good care of your property?
Educate Yourself on What a Good Restoration Company Should Do
After water damage, time is of the essence. By researching companies ahead of time, you are taking preventative measures to help protect your property in the event of water damage. Keep their phone number with any other emergency contacts in your cell phone. That way you are prepared. They should assess the situation at no cost to you. Other things to consider:
- Check out their reviews on Google.
Google is most used search engine on the internet. They want to stay #1. In order to stay the THE go-to search engine, Google gives the most accurate data possible when someone searches. That goes for the reviews too. When in doubt, check out the company’s Google Reviews.
- Do they offer 24/7 emergency services?
If they don’t answer when you call, and you leave a message, they should call back within just a few minutes. If they don’t answer, and they don’t call back within a few minutes, don’t use that company. Again, time is of the essence.
- Are they able to solve all the issues you might have with water and mold?
If a water damage restoration company discovers mold in your home when drying out issues with water damage, make sure that they have the qualified training, certifications, and equipment to handle it. Their technicians should all be trained and certified by the IICRC (Institute of Inspection, Cleaning and Restoration Certification). Ask to see credentials. IICRC sets the standards for the Restoration Industry. They have rigorous training and certifications processes. If the technicians are not certified by the IICRC, go somewhere else.
If you have suffered property damage due to flooding or water intrusion, call SERVPRO for immediate help, quick response, and a free estimate today.
Prevent the Spread of Mold in Your Home
Homeowners everywhere will most likely face the horror of spreading mold at some point. You probably won’t escape it, no matter how clean your home is. Black mold can be especially worrisome. If you find it, what should you do to stop it from getting worse?
How Does Mold Spread?
Mold is a type of fungus. It reproduces via microscopic airborne spores which are invisible to the naked eye until they start breeding a colony. So, mold exists wherever there is air and is attracted to moisture. It also thrives in warmer temperatures, usually between 77 and 86 degrees. Mold grows as multicellular filaments called hyphae which give it a fuzzy appearance and emit a distinct musky odor. Spreading mold can cause structural damage to your home if left unchecked. Some common types of mold are:
- Black mold — Stachybotrys chartarum
- Blue/green mold — Penicillium
- Pink mold — Aureobasidium
- Yellow mold — Serpula lacrymans
What Not To Do
If you discover mold damage in your home, do not attempt to remove it yourself. If you do so, you are more likely to contribute to its spread rather than getting rid of it. There are specific steps to follow for the removal of mold, so it’s best to leave this process in professional hands.
What You Should Do
Your home can never be completely free of mold because of its nature as a microscopic airborne particle, but growth can be stopped and removed, and appropriate spore levels can be managed. Your first step is to set up a mold damage assessment. There are many specialists that offer mold remediation processes that include containment, removal of infested materials, air filtration, cleaning of belongings and restoration of the area. These techniques all follow strict protocols and professional standards.
Mold is an especially tough obstacle to overcome for the average homeowner. To avoid accidentally spreading mold and making it worse, don’t be afraid to turn to the experts.