Recent Posts

The Need for a Business Continuity Plan

6/19/2018 (Permalink)

Any interruption in your day-to-day business procedures in Temple, TX, can lead to financial losses. A combination of lost revenue and the added expenses associated with the disruption often means a loss of profit from which is can be hard to recover. Much of the time, your insurance policies won't cover all of those losses and it certainly can't entice customers to return once they've moved on to your competitors. Protect yourself from this situation with a business continuity plan.


Four Steps for the Development of a Business Continuity Plan



• Identify critical business processes and determine the resources that keep those processes in motion. Consider the impact if you were to lose your facility, any of your personnel, technology including either hardware or software, or any of your key vendors.
• Identify the actions you'd take to recover. Document the plan, including objectives such as how to ensure employees are safe, what would be necessary to get critical business functions back online, how to protect company assets, and how you'll communicate with clients, employees, and vendors.
• Put together a business continuity leadership team. This group of professionals should be skilled at communication, logistics, and emergency response protocols. During a disaster, this team would put the emergency continuity plan into action.
• Train employees in how to follow the emergency response plan when a disaster takes place. These trainings could be presented in a variety of formats. For example, you could run a practice scenario or lead a tabletop discussion. Disaster recovery exercises should be run at least annually.


Available Resources


Fortunately, there are many resources to help you create an effective emergency response plan. For example, FEMA has a continuity guidance circular and the Insurance Institute for Business and Home Safety has a dedicated site to help you protect your business.

Prevent serious losses with a solid business continuity plan. You'll appreciate the chance to utilize all resources for recovery following any type of disaster. With a solid plan in place, you can swiftly ensure safety and get critical business procedures back on track.

For more information, please visit us at http://www.SERVPROtemplebelton.com/.

Is Business Interruption Insurance Necessary if I Have Property Insurance?

6/14/2018 (Permalink)

Have you considered what you would do if a disaster or accident forced your business to close down temporarily? Have you thought about the money you’d lose as you work to rebuild? You’re not just losing profit but continuing to pay monthly bills like utilities and rent. Property and disaster insurance policies generally do not cover losses of revenue and expenses. This is why carrying business interruption insurance is critical for any business owner. Here are three important things you need to know as you prepare to insure a closed business.


1) What Does It Cover?


If you have a business that is closed in Temple, TX, interruption insurance can compensate you for the income you lose during the time that you are unable to be open due to a disaster covered under your property insurance policy. Coverage typically starts 48 hours after your company has closed down. A reasonable determination can be made, based upon your previous financial records, of the amount of revenue and operating expenses you are losing by not being open.


2) How Much Do I Need?


Interruption insurance is an area where it’s important not to scrimp. Even the smallest of disasters can derail a company for weeks, while a restoration company works to rebuild your property. It’s often far better to be prepared and pay a slightly higher premium each month than to run out of money when your company is still a long way from resuming operations.


3) How Is Cost Determined?


Interruption insurance is not a separate insurance policy. It’s generally added to property insurance or bundled as part of a package policy. The largest factors in determining coverage are the type of business and location. If your company operates machinery or kitchen equipment, it may carry a higher risk than a call center.

Nobody wants to think about what it would take to rebuild their business. But with a business interruption insurance policy, you can have considerably less to worry about.

For more information, please visit us at http://www.SERVPROtemplebelton.com/.

How Can Fire Damage Cause Water Damage?

5/20/2018 (Permalink)

In the event of a fire, your Temple, TX property may need a good deal of fire cleanup work, even if there was only damage from smoke. Yet did you know you may need to handle water cleanup, as well? After a fire, water damage is just as likely as smoke or fire damage.


So How Does It Happen?


Water damage usually happens in one of three ways:

• Pressure and high-volume water saturation from fire hoses used by firefighters to douse the blaze.
• Burst water mains and pipes damaged during th efire.
• Sprinklers activated by smoke.

Each of these instances can saturate your belongings in water, which can be highly damaging for electronics and inventory. Water cleanup is imperative as you recover your property from catastrophe, and to prevent additional health and safety issues caused by standing or stagnant water.


How Can I Prevent Water Damage?


It may not be possible to wholly prevent water damage, when much of it happens during times when you should either be in the process of evacuating the building or should have already evacuated. However, you can make it a practice to cover your inventory with waterproof materials, and cover your electronics once you leave for the day.


How Do I Clean Up After Water Damage?


The first step of water cleanup is safety. Water conducts electricity, and after a fire you may have exposed wiring or other safety hazards. Do not enter the building until a fire professional has cleared it as safe. Once you are able, dry the building as much as possible. Mop water from the floors and wipe down any surfaces. Open windows and doors to air everything out, and tear out waterlogged carpet and drywall. Haul anything wet out into the sun to dry. Take inventory of everything water-damaged and keep accurate records for your insurance company.

For more information, please visit us athttp://www.SERVPROtemplebelton.com/.

3 Strategies for Fighting Bathroom Grout Fungi

5/13/2018 (Permalink)

When it comes to weekend chores, cleaning the bathroom is probably not your favorite task as a Temple, TX, homeowner. Scrubbing the toilet and wiping up hair and soap residue from the sink can be daunting work, but one issue you may find especially challenging is how to remove bathroom mildew from your shower’s grout. This fungus can be stubborn once it dries into the grout; however, there are a few strategies you can use to banish it for good.


1. Create a Natural Cleanser


If you want to avoid the harshness and strong odors of bleach-based household cleansers, you can make one out of natural ingredients. You will need lemon juice, baking soda and vinegar. Mix the vinegar and lemon juice together in equal portions, then add the baking soda slowly until it forms a paste. Spread this mixture onto the grout and let it sit for twenty to thirty minutes. The ingredients in the paste should loosen the mildew and make it easier to wash away.


2. Soak the Grout Overnight in a Dishwashing Solution


When the entire family takes hot showers, this can create a humidity problem that causes mildew to form in the shower wall’s grout. If you want to avoid scrubbing this fungus away, you can soak the tile overnight in a solution of blue dishwashing liquid and a touch of white vinegar. In the morning, simply rinse the grout and wipe away any film left behind.


3. Call a Professional Mold Removal Service


If you are dealing with severe bathroom mildew, you may want to call in a professional mold remediation and removal company for assistance. Qualified technicians can bring in a variety of tools and cleaning solutions that are not available publicly to deal with stubborn mildew. These techs may also be able to provide you with strategies for keeping grout clean in the future.

Dealing with bathroom mildew in your Temple, TX, home can be frustrating. However, keeping these cleaning tactics in mind can help you banish fungus safely and effectively.

For more information, please visit us athttp://www.SERVPROtemplebelton.com/.

Is Your Fire Extinguisher the Right One for Your Home?

5/8/2018 (Permalink)

While most folks would agree having a fire extinguisher is important, would you know how many to have or what kind to own based on your house and who lives inside? When buying yours, keep the following in mind:

1. Who will use it
2. Where it could be used
3. How to use it effectively


Who Will Be Using Your Extinguisher?


Since household extinguishers can weigh anywhere between 1 and 20 pounds, your first consideration is how much weight the primary user can lift and carry quickly toward a home fire. Rechargeable extinguishers with metal valves will cost more upfront but will cost less to refill than a disposable one. However, if a refillable one is too heavy for a family member to aim quickly, then a smaller disposable canister with a plastic valve should be used.


Where Should Canisters Be Located?


Household extinguishers come in three types: Category A - combats combustibles; Category B - combats flammables; and Category C - combats electrical fires. An A:B:C-classified extinguisher will fight all three kinds of fires. The minimum number of extinguishers recommended for a typical family home is one per floor, but also consider having a fire extinguisher in your garage, laundry room, car and kitchen. Just remember not to use them over a deep fryer as the chemicals could cause the grease to run and make the blaze larger.


How To Operate Your Extinguisher


No fire preparedness plan would be complete without knowing how to use your extinguisher. The first step is to pull the safety pin. Next, stand at least 6 feet from the fire while directing the chemicals at the source of the flames. Then release the chemicals by squeezing the trigger continuously. Finally, move the stream from side to side until there is nothing left inside of the canister. In case of smoke damage, contact a Temple, TX, fire restoration specialist.

Take some time to learn about extinguishers for your home. Then you can sleep easily knowing you have the right fire extinguisher and the right skills to protect your loved ones when it counts.

For more information, please visit us athttp://www.SERVPROtemplebelton.com/.

How To Properly Rid Your Office Building Of Mold

4/22/2018 (Permalink)

Whether you’re in an office building or in a home in Temple, TX, mold cleanup is a difficult task. By the time you notice it, the mold contamination may have already gotten out of hand, and getting rid of it is no longer a minor operation. While it may be tempting to try a standard janitorial cleanup, if you spot mold around your office, it’s best to contact a mold remediation specialist that can recommend mold containment procedures and complete a safe cleanup. Here are steps you should take to contain the mold and get rid of it as safely as possible.


Look for Signs and Stay Away


Most people are familiar with the general look and smell of mold. However, you should know the difference between active and inactive mold. Actively growing mold is slimy or fuzzy and can be black, orange, green or even purple. Inactive mold is usually powdery and white.

Mold spores spread very fast. They can travel through the air or be carried around on people. As a result, you should ensure that neither you nor anyone else in your office comes in close or extended contact with the mold.


Contact a Professional


Once you notice mold, your first step should be to immediately call a qualified mold cleanup professional. If the mold is visible, it’s highly likely that it has already reached dangerous levels. Before the specialist arrives, you can lower the temperature in the office as mold loves warm and wet environments.

Once he or she has completed the assessment, the specialist can use various techniques to protect against cross-contamination. These include isolating the area with physical barriers and using negative air pressure to keep the spores from spreading.

Mold cleanup is a serious job and is not one that should be handled by your office building’s traditional cleaning crew. Working with a specialist can ensure that the mold is removed according to appropriate safety codes and guidelines.

For more information, please visit us athttp://www.SERVPROtemplebelton.com/.

How To Reduce Mold Risk After a Pipe-Bursting Fiasco

4/15/2018 (Permalink)

The speed at which a property owner responds following a run-in with bursting pipes is often vital in reducing the risk of the following:

• Water damage
• Mold development
• A dangerous environment

To prevent damage from occurring, you should understand why pipes burst and when to call for cleanup help.


Uncovering Why Pipes Break in the First Place


You’re likely aware that winter temperatures often affect pipes, but you may not know why. The molecules that crystalize when water freezes take up extra room in the pipe—more than the molecules do when in water’s liquid form. As water molecules swell, pressure between the ice blockage and faucet causes the pipe to rupture.

Bursting pipes can occur inside or outside, but they sure make for a bigger mess when they burst in an interior space of a building. Broken pipes are never pleasant to deal with, but there are steps that can be taken to reduce the stressful situation. While you may already have called a specialist to fix a broken pipe, there’s something even more pressing to consider: the daunting cleanup that lays before you.


Cleanup Services to the Rescue


Whether the pipe burst resulted in clean water, grey water or black water damage, the cleanup is potentially hazardous if the person responsible is not professionally trained. This is particularly the case if the pipe break causes black water damage, which typically calls for the most invasive and time-consuming cleaning process out of any other category, and could even result in the need for demolition and rebuilding.

A cleanup crew should supply their knowledge about mold risks. Additionally, they should also possess the materials needed to get your building back to its sparkling condition.

Bursting pipes don’t have to be the end of the world. Do yourself a favor and keep the contact information of a local cleanup service to deal with water damage in Temple, TX, on hand to refrain from wasting time after your building’s pipes burst.

For more information, please visit us athttp://www.SERVPROtemplebelton.com/.

5 Steps to Cleaning Your Home After Storm Flooding

4/10/2018 (Permalink)

If your home in Temple, TX, experiences flooding due to a storm, you may think your biggest concern is to get the water out and dry everything off. Storm water differs from water from a regular broken pipe because it often contains sewage and other contaminants from the outside. While some of these contaminants may be chemicals, many of them are microorganisms and bacteria, which may continue to grow in any materials they soak into. When dealing with what is often called black water, drying things out is ordinarily only part of the process to clean and restore your home.


1. Removing Water


The first step is commonly to wait for flooding to recede, which may not be until well after the storm is over. After water recedes, any water that is left can be removed by restoration technicians using extractors to pull the water out of the home, as well as out of any carpeting so that it can be removed later.


2. Containing Damage


Before beginning other clean-up, take a look at parts of your home that did not incur flood damage. To reduce contamination between the areas, section off these items from those that are damaged.


3. Removing Material


Any porous surface that came into contact with sewage likely needs to be removed. This means that carpets and pads are typically pulled up completely, and drywall and wood floors are often cut out.


4. Disinfecting


You should kill any mold or bacteria. A disinfectant may be sprayed on any remaining surfaces in the flooded area.


5. Drying


Finally, check for any areas that are still damp. Any remaining wetness can be dried out with air circulation.

It can be hard to deal with any type of water damage, but flooding from a storm often brings its own set of challenges. Keeping in mind these five steps can help you plan your clean-up efforts in Temple, TX.

For more information, please visit us athttp://www.SERVPROtemplebelton.com/.

The Truth About Mold Kits

3/28/2018 (Permalink)

If you are like many residents in Temple, TX, and enjoy the comfort of your cozy home, chances are you have worked hard to maintain it. The general upkeep of a house can be difficult, but finding that your space is also housing mold can make for a real challenge. The following facts can tell you a little more about mold testing and its effectiveness.


The Tests


Simply put, a mold kit is a device used to test for fungal growth in a variety of spaces. Most reveal results within 48 hours. Depending on the type, some kits can also analyze the type of mold that's causing all the ruckus.


At-Home Approaches


Homeowners have long turned to DIY mold tests as a way of discovering the truth behind those walls and under those carpets. The real truth, however, lies in the fact that these kits always test positive. To the surprise of many, only a professional can accurately tell you whether there is mold growing in your house. Other problems commonly found in these tests include faulty analyses, defected kits, and ambiguous results.


The Fine Print


Once you've consulted a professional to take over the mundane task of mold testing, there are certain aspects for the mold pros to consider. Usually, professionals must understand the following parts of a home before testing for mold:

• Water sources
• Construction
• Drainage and leaks

These aspects of your home may seem unimportant but can actually give way to complex fungal problems. When a trusted professional can assess all angles of your pad, chances of full remediation are more likely.

Although the popular consensus may be that at-home mold testing is the way to go, the reality is that these kits simply don't catch all the problems. This is the point at which a proper test can show what's really going on with your cherished lair.

For more information, please visit us at http://www.SERVPROtemplebelton.com.

3 Actions You Can Take To Bolster Coverage Against Plumbing Floods

3/21/2018 (Permalink)

Your Temple, TX, home's plumbing may not be something you think about often-that is, until it malfunctions and causes a flood. The damage this event creates can be considerable as well as costly. However, if you have an all-perils insurance policy that covers plumbing mishaps, there are a few actions you can take to strengthen your coverage in case the worst should happen.


1. Read Your Flooding Policy's Fine Print


Assuming you have insurance coverage against plumbing floods and for repairs may leave you in serious financial trouble if you are mistaken. Most general homeowner's insurance does not cover flooding, and even if you have an all-perils policy, it may not cover the cost to fix a broken pipe. Knowing the terms outlined in your insurance policy can prevent unpleasant surprises during a flooding emergency.


2. Maintain Your Plumbing


Maintaining and caring for your home's plumbing can help you avoid negligence claims in case of flooding. Insulate your pipes in cold weather to keep them from cracking or bursting and replace worn or old sections regularly. Your insurance company may claim that you were negligent otherwise and could refuse your claim, leaving you to cover the cost of repairs and expense of the services of a qualified flood cleanup and restoration company.


3. Increase Your Aftercare Premiums


Paying into premiums for flooding aftercare can benefit you greatly when a plumbing mishap occurs. Depending on the type of coverage offered in your area, you can pay into coverage for most repairs and to replace destroyed items such as carpeting, wood floors and drywall. The better your coverage, the less you may have to pay out of pocket after flooding causes substantial water damage to your home.

A plumbing flood in your Temple, TX, home can cause untold damage. Bolstering your all-perils insurance policy by maintaining your plumbing and investing in full coverage can prevent a financial disaster in the wake of flooding.