Why You Should Consider Business Interruption Insurance
Fire damage in a commercial property in Rosebud, TX
Cleaning up in the aftermath of a fire on your commercial property in Rosebud, TX, can leave you with a lot on your plate. In addition to dealing with fire damage, water damage and reconstruction, you may also have to cope with lost revenue during the restoration period. However, business interruption insurance can make a huge difference when it comes to protecting your business in the event of a temporary, unexpected closure.
What Is Business Interruption Insurance?
Business interruption insurance covers lost income if your building is affected by a sudden disaster and forced to close its doors. Many policies will include coverage for:
Rent or leasing payments
The primary goal of this insurance is to cover standard operating expenses and make up for the profits you would have earned if your business had not been affected by the disaster. In many instances, the policy may also cover the costs associated with temporarily relocating your business to a new building.
Choosing a Policy
Before deciding on a policy, there are a few things to consider. You must have complete financial records for your business, as your insurance payouts are based upon documented expenses and revenue. Also, make sure to check what documentation the policy requires to establish proof of loss. Furthermore, remember that clearing smoke damage and other aspects of a business fire is often a multi-day process. Thus, a good insurance policy should cover your company for more than just a day or two. Bear in mind that there might also be a two- or three-day waiting period before coverage takes effect.
To reopen your organization as quickly as possible, it is important to ensure that skilled fire cleaning and restoration experts attend to the property immediately following the incident. Nonetheless, a good-quality cleanup may still take some time, depending on the extent of the damage. Whether the business is closed for days, weeks or months, business interruption insurance can help your organization stay afloat during the recovery process.
Can Mold Grow in Dry Climates?
Broken water heaters can cause mold damage
Can Mold Grow in Dry Climates?
Mold is a natural spore that breaks down dead trees and leaves. Most people know that black mold thrives in moist environments. That is why mold is commonly found in wet, rainy areas.
If you own property in a hot, desert environment such as Marlin, TX, you might think that you don’t have to worry about mold growth. Yet even though you may not deal with huge rainstorms or hurricanes, you still could end up with excess mold in your commercial building. That is because mold can develop in indoor wet areas such as:
- Air conditioners
- Hot water heaters
- Leaky sinks
Don't Get Caught Unprepared
People in wet climates are accustomed to looking for black mold. Yet those in dry environments do not usually regularly check their roofs, air conditioning units, or windows for mold spores. They may not even think about mold until it becomes a visible problem with a nasty odor. By that time, you will probably need extensive mold cleanup in your building.
So even if you live in a dry city, you keep an eye out for puddles or leaks and take care of them as soon as possible. Don’t forget to look for ponds of water on the roof.
Similarly, you need to make sure that the roof has proper shingles and shields. Poor installation of these features can cause leaks and subsequent mold growth.
Warm climates are especially susceptible to monsoons and humidity. This combination creates a breeding ground for mold, especially if your building develops a leak. Mold can start to grow just one to two days after the leak develops.
Since mold is found naturally in the environment, it is impossible to eliminate these spores from your Marlin, TX, building entirely. However, you do want to limit the amount of black mold in your commercial space. Professional mold remediation specialists can help your building get back to its normal mold level.
The Need for a Business Continuity Plan
SERVPRO of Temple & Belton is available 24 hours a day to assist you when disaster strikes.
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.
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.
How Many Fire Alarms Should Be in Your Home?
Sometimes, the smallest solutions can make the biggest difference. Think about the effect a fire alarm can have in your home. You hope to never need these devices, but you're grateful when they detect problems in your Belton, TX, house. Unfortunately, many people don't have enough of these smoke detectors. This is particularly the case in older homes. It's vital that you have the correct number of alarms, so you can have the peace of mind knowing you're doing your part to stay safe.
How They Help
While a fire alarm won't prevent fires from starting or smoking from infiltrating your home, it can ensure that fires don't spread. A properly installed and functioning alarm can help you in the following ways.
- Alert you when fire and smoke are present in your home.
- Emit a loud enough noise to wake you up from a deep sleep.
- Give you sufficient time to alert the fire department, put out the fire yourself (if it's safe to do so) and evacuate if necessary to avoid the effects of smoke damage.
In the Bedrooms
Fire restoration specialists and experts recommend that you place smoke detectors in every sleeping area of your home. This should be the ideal whether you have a one-bedroom apartment, a seven-bedroom home or anything in between. This can give you the assurance that everyone in your household has protection.
Outside Sleeping Spaces
In the entryway leading into bedrooms, you should have an alarm as well. Fire damage can be severe, but the correct number of alarms can help ensure that you and your loved ones get out safely in a timely manner.
Every Level Covered
You should be in good shape as long as you have at least one detector on every level. Don't forget to place one in the basement as well.
A fire alarm is one of the most critical devices you can have at home. Make them a priority for your family's well-being.
What To Do After a Hail Storm
High winds and hail can produce roof damage
Prepare your Home for Future Rainfall
Many homeowners in Academy, TX, have been through several recent thunderstorms. When those storms are strong enough to produce high winds and hail, they can cause roof damage, even if there are no visible signs of problems. In more extreme circumstances, your roof could have actually leaked into an attic or ceiling. Following the steps below will help make sure your home is safe and prepared for future rainfall.
1. Call in the Professionals
If you had a bad storm but don’t see any missing shingles, it can be tempting to put off dealing with any potential problems. However, the best approach is to tackle it head on. You should call a roofing company to assess whether you need a roof repair. They are the experts and can guide you through the process of contacting your insurance company. In the event of water damage to an attic, you need to immediately contact a water restoration company. They can dry out the area to ensure there isn’t mold growth.
2. Take Temporary Measures
If there are obvious leaks or missing shingles, cover the area with a secured water proof tarp. Even one night uncovered could mean thousands of dollars of damage if it rains again, and it could take weeks for a proper fix. It’s a good idea to cover as much of the roof as possible, since wind damage in one area likely means it has weakened other spots as well.
3. Prevent Future Problems
Roofers will conduct free assessments on a regular basis, so you should take advantage of this service to prevent larger problems. They can often identify loose shingles or notice problem areas long before you have a flood in your attic. The cost for a small roof repair is minimal, especially compared to cleanup after a big storm.
A hail or wind storm can cause major problems for a weakened roof. You should get a professional to inspect your home periodically and after large storms to see if you need a roof repair. This will ensure you are protecting the most valuable assets in your home.
5 Things for a Business To Know About Fire Cleanup
Fire damage in a Holland,TX building
5 Things for a Business To Know About Fire Cleanup
If your business in Holland, TX, has experienced fire or smoke damage, then you may be wondering how to properly perform a fire clean up. Here are a few steps many professional restoration services recommend.
1. Safety Comes First
Remember, whatever your restoration process looks like safety should come first. This means that proper equipment should be worn, and that the damage should be assessed before any repairs are made to ensure that safety procedures are followed
2. Professionals Can Handle the Job
When cleaning up after a fire you may want to contact fire restoration professionals to do the job. These professionals have the tools necessary to deal with a variety of types of damage, and make any necessary repairs.
3. Many Types of Damage Can Occur
In addition to fire damage, you may also encounter smoke damage and soot damage. Each of these may need to be cleaned up with a different method depending on the location and severity. Fortunately, a professional may be able to help.
4. Cleaning Methods Depend on Damage Type
When it comes to smoke cleaning the method used depends on how bad the damage is and what type of items that need to be restored. Electronics may need to be sent to a professional, while solid surfaces can be wiped down with special cleaner.
5. The Business Property Can Be Restored
The best thing to remember after fire damage affects your business, is that the building can be restored so that it looks like nothing ever happened. Your chosen professional can assess the damage, and inform you about any recommended repairs and procedures.
If your business has suffered smoke damage, or other damage related to a fire, then following these steps may help you get back up and working again. Remember that during clean up safety should always come first. A professional restoration service may be able to help with the work, and will know what methods to use for each damage type. At the end of the clean up process your business can look as if nothing has ever happened.
Tips to Stop an Over Flushing Toilet
Understanding flushometer risks
The sound of a flushing toilet is usually a good thing – that is, until the flushing just won’t stop. Risks from a continuously flushing toilet include toilet overflow or a toilet flood, to say nothing of the wasted water. If the flushometer-operated toilet in your Chilton, TX, building is running a marathon, follow these steps proven to stop a toilet.
Understanding Flushometer Risks
The average commercial facility uses a flushometer-operated toilet. These tankless water-diverters use an inline handle to flush. Unfortunately, they have some vulnerabilities including:
- Leaky handles
- Incomplete flushing
- Over flushing
Follow these steps to handle the most annoying of these, over flushing.
Start by grabbing a screwdriver and finding the place on your flushometer to shut off the water. Next, use a wrench to pop the lid off the flushometer; once you’ve popped the initial lid, the unit should screw off by hand. Remove the flange cover, but don’t be surprised if some water comes out during this step, though nothing like a toilet overflow. You should immediately see the gasket. You’ll also be able to see the weep hole, a small hole that can disrupt suction, and preventing the flushometer from completing the flush.
Your gasket will likely be covered in sediment. Use a damp sponge to clean it off very well. You’ll also want to clean the weep hole, using a narrow implement to get inside the port of the weep hole.
After cleaning both, replace and close the flushometer and test your fix. Didn’t work? Invest in a new gasket and try these steps again.
A malfunctioning flushometer can be noisy at best and unsanitary at worst. Avoid high water bills and risks like toilet overflow with these fixes. Or if you’re ready for the pros to step in, reach out to a water specialist to ensure your commercial building has proper, working facilities.
How to Fix Water Damage in a Light Fixture
Water in light is not a situation that should be left unattended
Water Damage on Your Light Fixture? Follow These Steps
Owning a home in Rosebud, TX, has many benefits, but water damage is not one of them. Unfortunately, busted pipes or a leaking roof can cause water in light fixtures to build up. You may not notice the problem until the water starts dripping onto the floor. As soon as you notice an issue, be sure to follow these steps.
Take Proper Precautions
Water and electricity is a dangerous combination. It is of the utmost importance to take the proper precautions. Before doing anything else, you should shut off the electricity. This does not just mean flipping the switch; it should be done with the breaker box, which can be found in the garage or another room of the house. Once this is done, the water can start to be wiped up.
Find the Source
Clean up is important, but unless the source of the problem is found, the water in light fixture will continue. If you notice any ceiling damage, the problem may be from the roof. Another reason that this issue occurs is due to a busted pipe. You can choose to find and fix the problem yourself or hire a water damage expert to do the job for you. Either way, you should have it taken care of right away in order to prevent it from spreading any further.
Cleanup the Damage
Once the water is turned off and the source of the problem has been taken care of, it is time to clean up the damage. You can use a variety of machines, such as a shop vacuum to suck up the excess liquid. You can choose to rent the equipment or hire someone to do this for you.
If you feel at all uncomfortable with working with water and electricity yourself, you may want to hire someone to come help. Water in light is not a situation that should be left unattended, so either way, be sure to take care of the problem as soon as possible.
How To Identify the Type of Mold in Your Home
There are many different kinds of mold, and they don't all look the same.
If you suspect you have a mold problem in your home in Temple, TX it is best to get it inspected by a certified hygienist. One of the benefits of a professional mold inspection is that the specialists can determine not only how much mold damage you have but also the type of mold. These details can be a factor in how the mold is cleaned or how long it may take before you can reenter our home.
There are many different kinds of mold, and they don't all look the same. Mold can vary in appearance by:
You cannot always tell what kind of mold you have by the smell, but mold remediation experts can test to make the determination.
If you suspect you have black mold in your home, there are a few indicators that can help you know for sure. Stachybotrys has a distinct odor that smells like strong, musty mildew. It is often found on walls, particularly in areas where a moisture problem exists. A mold inspection can confirm the kind of growth you see branching out near the water damage.
Black mold cleanup involves not only removing the slimy, green-ish black fungus from the affected area but also making sure the issue causing the moisture problem is remedied. House mold will just come back if there is enough moisture to feed it. By eliminating the instigating factor, technicians can prevent the growth from returning. While black mold does not tend to contaminate the air around it as readily as other types of fungus, it is also a good idea to use an air filter in the area to reduce the number of mold spores.
A mold inspection tells you not only what kind of mold you have but where it is located. Once the problem has been assessed, mold cleanup can begin.
How To Maintain Your Smoke Detectors
Fire cleanup experts advise that you test each smoke detector monthly
The number one way to keep your family safe during a fire is by having working fire alarms installed. Each smoke alarm in your home in Rosebud, TX, must be tested frequently and replaced if it is old or malfunctioning. An effective system lets you know as soon as smoke is detected so that you can lower your risk of being caught in the fire and hopefully lower your fire damage cleanup cost as well. Here are some simple ways to keep your system working properly.
Understand Power Source
In order to work, each smoke detector must have a power source. There are three main ways detectors are powered:
- Hardwired into home electrical system
- Powered by long-life lithium battery
- Powered by 9-volt battery
If your electrical system is the source of your smoke alarm system’s power, you don’t have to change the batteries unless the detectors use them as a backup for when the power goes out. The 9-volt batteries must be replaced once a year. A lithium battery is part of the detector itself and thus needs to be replaced every 8-10 years as the detector expires.
While it is important to pay attention to the date printed on your detectors, you cannot assume that your detectors work just because the expiration date hasn’t arrived. Fire cleanup experts advise that you test each smoke detector monthly. Press the test button in the center of the detector. If it doesn’t emit a shrill beep, you probably need to replace the detector. The sooner you know there is a fire in your home, the sooner you can call emergency services and have the fire put out so that it causes as little fire damage as possible.
Proper fire safety starts with having a working smoke alarm system. By making sure they stay powered up and testing them on a monthly basis, you can rest easy, knowing that you are protected.