Understanding Property Damage Insurance
Business owners in Lee's Summit, MO, have a lot on their plates. From dealing with day-to-day operations, personnel, and much more, a sense of security can often be lacking. Luckily, when it comes to protecting a business from the unthinkable, investing in commercial insurance can make recuperating easier.
What Does Commercial Property Insurance Cover?
At the basic level, this type of coverage helps a business deal with issues from events such as fire damage, explosion, storms, vandalism, theft, and pipe bursts. Typically, phenomena like earthquakes and floods, as well as interruption loss, will require an additional layer of coverage. Other items often not covered include:
- Internal theft
- Vehicle damage or loss
- Stolen cash or currency
- Environmental damage
- Equipment failures
- Defective products
When personalizing coverage, it is important to take an inventory of the vital elements inside and outside of the building business is conducted to ensure full coverage of losses. The following should be assessed:
- Business structure, including leased or owned space.
- Office equipment and supplies, including computers, furniture, phones, and copiers.
- Vital documentation records, such as accounting or client data
- Inventory on-site
- Landscaping, fencing, and outdoor furniture
- Business signs, satellite dishes, security systems, and other outdoor equipment
Once you have an inventory of everything that needs to be covered, you can work with an agent to determine the type of commercial insurance coverage. Most plans reimburse loss based on the cost of replacement or the cash value of an item. It will also include costs of associated restoration services, depending on the situation. A replacement cost takes into consideration the repairs needed to rebuild without depreciation while a cash value payout provides funds to replace with a comparable item, including depreciation.
No matter the size of a business, commercial insurance is necessary to be ready for the unthinkable. Although it is an added cost, it is worth it if disaster hits.
Love What's Local
When a disaster occurs, working with a company that is local to the area can be useful for a variety of reasons. However, a small local company may only specialize in certain types of disaster responses, and also may not be able to tackle large restoration projects. Regardless of how much or what type of damage has occurred, a local restoration franchise that has been certified can appropriately respond to a disaster of any kind.
Though a corporation may have the experience necessary to respond to major damage, a company that isn’t locally owned may not understand the unique challenges that come with local landscapes. Additionally, a company that isn’t local is likely to have a slower response time, which can ultimately result in a building sustaining additional damage. However, a SERVPRO franchise that is local to a business owner’s area can mitigate the damage by responding quickly.
Often, a local franchise has a myriad of tools that other restoration companies may not have. We have partners that can quickly send the needed tools to the franchise. Additionally, your local SERVPRO is more likely to have spent time studying procedures and practices, meaning that professionals from a local franchise will have up-to-date information on how to best handle any situation.
After a disaster or contamination of any kind, it is often helpful to employ a local restoration franchise. A SERVPRO franchise can manage problems of any size, respond quickly after disasters, and can provide the necessary tools and equipment needed for restoration. Call your local SERVPRO today!
Why the Chemical Mercaptan is a Lifesaver
The gas that heats many homes and provides energy for water heaters and clothes dryers is colorless and odorless. If it leaks from pipes or hoses it creates a dangerous situation due to its extreme combustibility. To make gas more detectable, engineers have added the chemical mercaptan, making it easily identifiable by its sulfurous, rotten egg smell. It is hard to estimate how many times a gas fire has been prevented by this chemical.
When a homeowner smells mercaptan it is a sure sign that somewhere in your home there is a gas leak. When this happens, immediate steps should be taken to shut off the gas or at least get people and pets out of the home and call the fire department in South Lee, MO.
The Best Actions To Take With a Natural Gas Leak
Specific actions can reduce the likelihood of a gas fire in a home or apartment. The goal is to stop the gas leak or increase the safety of everyone in the home. Here are the most effective actions to take:
Check all the appliances that use natural gas, beginning with the stove since this is the most likely source. Many times burners do not light, or go out, allowing gas to leak into the home. If you can find the source of the leak and stop it the emergency is over.
Increase the ventilation of your home by opening windows and doors. This enables the gas to dissipate and not collect in a certain area, reducing the likelihood of a gas explosion.
Don't use electrical devices, or even turn on lights, as this could ignite the gas.
Evacuate the home and call in the fire department
The Best Way To Handle Fire Damage
Gas fire in your home is likely to cause soot and smoke damage and loss of property. Call in a fire remediation team that will respond quickly and clean up the damage in a professional manner.
5 Tips for Protecting Your Home from Water Damage
Whether you have a leaking water heater or live in a location that experiences frequent storms, protecting your Long View, MO, home from water damage can be a concern for any homeowner. Fortunately, there are a number of things you can do that may help mitigate your risk.
1. Stay Aware of the Weather
It’s important to be aware of the weather in your area. Knowing ahead of time when a storm will arrive and how severe it could be may allow you to take steps ahead of time to alleviate the damage. You may want to cover at-risk areas with a tarp and ensure all windows are closed.
2. Adjust Your Landscaping
Another tip to consider is to use your landscaping to help direct water flow away from your home. Sloping your yard slightly, including drainage areas, or planting deep-rooted shrubs may all help reduce the risk of storm flooding around your home.
3. Regularly Inspect for Damage
Inspecting your home for leaks on a regular basis is essential. This may help you discover that leaking water heater or missing roof shingle before long-term damage can set in. If you do find an issue such as a broken water heater, it’s essential to begin repairs promptly.
4. Fix Leaks Quickly
If you observe a leak from a failed water heater, flooded roof gutter, cracked window, or frozen pipe, it’s crucial to contact a local water damage restoration service immediately. The sooner a leak is fixed, the less damage the water can cause.
5. Install Proper Drainage
One of the main steps you can take to protect your home is to install drainage. This may include gutters and downspouts leading away from the exterior of the home, sump pumps, or basement area.
Remember - if you have issues such as a leaking water heater, it’s critical to contact a professional and have repairs made as soon as possible. You may also want to consider steps such as regular inspections for damage and the installation of proper drainage to further protect your home.
Gain Restoration Peace of Mind with Trained, Certified Experts
If you get sick, you go to a trained medical professional to back to optimal health. If something happens to your home or business, don’t leave restoration up to chance. Count on trusted, certified restoration experts to handle any property damage, from flooding to mold to fire. Finding the right help means finding the right help that adheres to the Institute of Inspection Cleaning and Restoration Certification standards.
What Is IICRC?
For nearly 40 decades, this nonprofit has globally become an industry leader for setting standards and certifying technicians. To achieve a mitigation certificate, technicians take specialized classes on standards and techniques and are required to pass an exam. Afterward, they maintain certification through ongoing training. Areas of certification include:
Cleaning – Subspecialties include carpeting, flooring, leather cleaning, masonry, upholstery, rugs, and general cleaning.
Inspection – Technicians are trained to inspect all types of flooring, including wood, marble, laminate, tiles, carpet, and stone.
Restoration – This training focuses on techniques for microbial remediation, structural drying, fire and smoke damage, odor, water damage, commercial drying, and health and safety.
Why Training Matters
The lingering effects of water, smoke and fire damage can cause further problems and create unpleasant environments. When a storm happens or a fire breaks out, you want to fix it and forget it. SERVPRO prides itself on having IICRC certified professionals, as well as provides its own training to ensure every franchise has experts to handle any disaster. Along with learning the best techniques, they are also trained on using innovative equipment to ensure that mold, smoke, water, or other damage is eradicated. Our ongoing franchise training means that no matter what you are facing, we can make it “Like it never even happened.”
While some situations may seem like they can be taken care of on their own, some damage to a property can remain hidden. Instead of hoping for the best, get the best to get your property back into pristine condition without any worry.
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 Lee's Summit 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 Lee's Summit 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 an 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, barcoding.
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 Lee's Summit has you covered. We can pack out, store, and restore your belongings. Give us a call today at 816-246-5566.
Important Facts About Mold Growth
It always pays to have a little bit of knowledge about certain subjects, and knowing a few facts about mold growth is a good idea. This information may help your business prevent the growth of mold, as well as help to rectify the situation if mold is found. Everyone should know these three facts about mold:
- Mold is a naturally occurring fungus that is found just about everywhere in small amounts
- Mold thrives in damp conditions of high humidity
- Mold can degrade indoor air quality and be an irritant or allergen to many people
A few other facts are relevant here. Mold often exudes a musty odor. Finally, mold spores are microscopic and can be spread throughout a building through the heating and cooling system.
Proven Steps for Mold Cleanup
When mold growth is discovered at your business in Lone Jack, MO, it should be looked into immediately. Calling in a mold mitigation team that is Faster to Any Size Disaster is the place to begin. Each situation is unique, but the process for mold remediation is similar in most respects. It begins with an inspection and damage assessment and looks for instances of water damage, which often paved the way for mold to grow in a commercial building. These initial measures are followed by mold containment and air filtration and then the removal and cleaning of materials affected by mold. The final stages include content cleaning and restoration.
It is essentially impossible to remove every last vestige of mold spores from a building. However, with the right techniques and equipment, mold growth can be stopped to the point where it does not pose a problem for employees and customers. The removal of mold colonies will also address the appearance of the workplace, and the musty odor will be gone, too. With a better understanding of mold, your company can deal with the issue effectively.
Three Reasons Why Your Toilet is Leaking
A leaking toilet can be a major nuisance, especially when the underlying cause is unknown. If your home has a bathroom leak that goes untreated, the resulting damage can be costly. The following are three possible reasons why your toilet leaks with every flush.
1. Malfunctioning Wax Ring
A common cause of this type of leak is the failure of the wax seal underneath the toilet. When working properly, the wax ring functions as a barrier between the toilet and floor flange to keep water from seeping out. When this wax seal is malfunctioning, it could be that the wax has become dry over time and no longer functions as a barrier, or that the seal was improperly installed with the toilet.
2. Broken Tank Flange
Another potential cause of a leaking toilet is a broken tank flange. If the flange is not properly installed, it can shift out of place and crack under pressure. Because your toilet is a relatively high-traffic area of your home, even a small crack in a tank flange can quickly become a cause for concern and require replacement.
3. Loose Tank
Bathroom leaks that are not pooling on the floor near the base of the toilet can sometimes be traced back to the tank itself. If your toilet is leaking from the tank, but you see no obvious cracks or damage through which water might escape, your tank might just be loose. The connection between the tank and the rest of the toilet can become loose over time and will most likely cost less to repair than to replace entirely.
A leaking toilet can be a headache to deal with on your own. Hiring a professional specializing in water damage repair can help fix existing issues and minimize costly water damage in your bathroom to make it seem "Like it never even happened."
4 Tasks Property Managers Should Do To Prepare for a Storm
Commercial property can't be completely ignored when inclement weather comes through, and business owners can't control all elements of storm preparedness, especially if they lease a space. With that in mind, managers must to take action, doing what they can to protect the assets. Here are four things they can do to help.
1. Establish Communication
Regular updates are important. People need to know if the area is safe or whether evacuation and boarding should occur. Furthermore, everyone should be on the same page about how to prepare for the storm and who has what responsibility. Therefore, property management should compile a list of everyone's phone numbers and email addresses. Send messages often, ensuring that everyone is aware of your progress.
2. Have a Plan
Well before a system appears, sit down and discuss the protocol for storm preparedness. Gather together and upload online important legal and financial documents: This includes contracts, mortgage papers, bank account numbers and insurance policies. In addition, think ahead of whom to call in an emergency.
3. Prepare the Grounds
Once a watch is issued, property management should begin looking at the facility. Are the shingles loose on the roofs? If so, have them secured or covered. Does the pool area require attention? Have employees clear the deck of any furniture. Also, walk around. Trim tree branches, and pick up any loose debris. Eliminate objects that could be become projectiles from the high winds.
4. Record the Property
Before the gales hits, grab your phone and videotape the building. Make sure this has a time stamp, verifying for insurance that you did attend to the location. Should leaks or structural problems occur, this evidence may help expedite the approval for a storm restoration company's services.
Be proactive. Management companies should consider storm preparedness early, mapping out their tasks and establishing a strong line of contact. Protect the space. It's valuable to many.
Safe Cleanup of Water Leaking Into Light Fixtures
It is not uncommon to find water in light fixtures, or even ceiling damage following a winter with a heavy snow load, or a series of rainstorms. This damage may not always be a major problem, but could definitely develop into such if allowed to continue.
Leaks of this nature may come from a leaking flange around a chimney or vent on the roof which has developed a gap, infiltration by birds or squirrels, or from an aging roof. It may also come from an overhead pipe that is leaking due to settling, loosening of joints or freezing temperatures. Finding and repairing the point where water is getting in is important and should be given priority attention.
How To Handle Cleanup
In order to prevent worsening damage from the water leaking in through the roof, immediate cleanup needs to take place.
The attic space should be inspected to see if the insulation has become saturated. Not only can that put an excess load on the ceiling, but it can also develop mold if left alone. It may need to be removed and replaced.
If the leak is from a pipe running above the ceiling, be sure to shut the water off as soon as possible to stop the leaking.
If you find water in light fixtures, shut off the electricity to all affected fixtures before attempting to inspect or replace it, and do not turn electricity back on until certain all water has stopped leaking.
Get Professional Help
Call a water damage cleanup specialist to evaluate any ceiling damage and make a plan for repair. They can determine which materials need to be replaced, ensure that any mold is cleaned and removed, and restore your home to a safe condition.
If you do find water in light fixtures in your home, take it as a serious hint that some repair and cleanup is needed. This will help prevent a worse scenario and help you get your home restored to a safer and healthier condition.