Recent Commercial Posts
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.
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.
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.
Where Is Mold Most Likely To Grow in a Building?
Mold tends to grow in areas with high humidity levels where organic material is present.
Mold tends to grow in areas with high humidity levels where organic material is present. Here are six common places to find mold growth at a building in Belton, TX.
Sinks and toilets increase moisture levels. Property owners and managers should install and operate ventilation rated for the size of each bathroom and keep facilities clean to prevent mold.
Porous flooring materials capture and hold dirt. If carpeting becomes wet, cellulose or debris may support mold. An owner or manager should schedule regular cleaning and control high humidity levels to reduce the likelihood that fungus will form. Damage mitigation experts recommend tearing out and replacing carpet that remains saturated for longer than 48 hours or is exposed to contaminated water.
3. Cavity Walls
Mold may flourish behind walls after a plumbing leak or roof damage. Condensation can also accumulate if a building envelope is not sealed. Porous materials such as drywall, insulation or masonry can absorb moisture and support mold growth.
4. Ceiling Tiles
Porous ceiling tiles absorb moisture and dirt. Look for signs of discoloration after plumbing or roof leaks. Tiles with water damage may need to be replaced.
5. HVAC Systems
Dirt and moisture combine in condensate or drain pans, ducts and terminal units. An HVAC system should be regularly inspected and cleaned. Mold in ductwork can spread spores throughout a structure.
6. Water Heaters
A water heater is another appliance prone to condensation and leaks. Building owners or managers should have heaters inspected and flushed.
A building owner or manager can check these areas or arrange for professional inspections. If an owner or manager suspects that mold growth is occurring at a property in Belton, TX he or she should arrange for an indoor environmental professional or hygienist to perform testing and hire a commercial remediation service if indications of mold are found.
Commercial Insurance Coverage Limits Determine If the Fire Loss Is Partial
Ozone machines neutralize the smoke residue that has settled on surfaces everywhere
Simply put, the insurer will determine the loss to be partial if the policy limits are high enough to pay the cost of restoration. Damage inflicted by partial loss fires generally fall into three categories:
Water Cleanup Is the Top Priority After a Fire
When extinguishing the fire, water was a friend. Now, it is an enemy. It seeps into every porous material it encounters and continues inflicting damage in your building.
After the fire, aggressively remove the water as quickly as possible to minimize the fire loss. Any delay would be like sending mold an invitation to dinner. Water removal will require:
- Elimination of standing water using pumps and wet-vacs
- Removal of restorable wet fabrics, carpets and furniture
- Disposal of unrestorable wet fabrics and carpets
- Removal of everything not damaged by water
- Removal and disposal of damaged wallboard and other construction materials
- Deployment of high-volume fans to help dry out everything that remains
Smoke Damage Mitigation Is a Complex Process
While the water cleanup is underway, it would be a good idea to begin treating the damage caused by smoke. Smoke cleanup is usually a three-step process.
- Install air filtration equipment to remove residual smoke residue from the air
- Use ozone machines to neutralize smoke residue that has settled on surfaces everywhere
- Deodorize your building by thermal fogging
Ozone and thermal fog are both dangerous to humans. Therefore, the structure should be unoccupied while those tasks are taking place.
Fire Damage Is Often the Simplest Cleanup of All
Damage caused by flames is easily identifiable. Anything touched by fire needs to be removed, painted or sent out for restoration. Complete the treatment of fire damage before completing the air filtration step.
All the tasks associated with fire loss and cleanup require specialized skills and equipment. A team of fire restoration specialists is in the Temple, TX, area. They are ready to get started and are waiting for the call.
How to Prepare Your Business for a Flood
Sandbags can help flooding to get into your Belton,TX builidng
When a flood warning sounds, it's too late to begin protecting your business from flooding. You need to prepare long before storms and heavy rains move your way. Use the following tips to keep your Belton, TX, business, employees, and clients safe.
Reach Out to Local and National Resources
If your business is situated in an area prone to floods, it's a good idea to talk to your insurance company about coverage for this eventuality. You'll feel much better about your outlook when storms do hit. The insurance company may provide advice about the best strategies to protect your property and belongings. Other resources could include:
- The federal government website on floods and prevention
- Local flood remediation companies
- Professional surveyors and architects in Belton, TX
Create a Flood Safety Plan
This plan should include an evacuation route, a protocol for protecting business equipment and inventory, and a communication plan that goes into place as soon as flooding becomes a concern. After working out the details of the plan, train your staff on how to respond and run annual evacuation drills. Don't forget to address the dangers of black water and power outages.
Identify Specific Areas of Danger
You may have a lot of equipment in your building that runs on electricity. As the water rises, those machines could pose an increased risk of danger as well as costing a pretty penny to replace. If there's time to turn off your copiers, computers, and other electronics; and carry those items up to higher levels of the building. When outlets go under the water, there could be an electricity risk. If you have gas heating, that system could also pose a safety risk.
Stock Up on Emergency Supplies
Businesses in communities that are often affected by flooding may want to have plenty of sandbags on hand. Other supplies, such as flashlights and battery-powered radios, should also be kept in a central position that can be accessed easily when warnings are given.
How To Address a Broken Pipe
Cleaning up your office space after bursting pipes can be a daunting project.
The issue of bursting pipes can cause significant water damage inside any Temple, TX, business. Knowing how to efficiently address the situation is key to preventing additional destruction.
1. Turn Off the Water
Your first step is to shut off the water supply to the affected pipe. To accomplish this, you may need to access the building’s water main and turn off water to the entire building. You may also need to shut down the water heater as well as electrical flow to the affected area to prevent electrical shock.
2. Drain Water From the Pipe
Before you fix the broken pipe, you may need to drain any remaining water. To help empty pipes, flush nearby toilets and allow faucets to run until dry.
3. Assess and Repair the Damaged Pipe
Once the pipe is drained, maintenance personnel or a licensed plumber can properly assess the damaged pipe, commence repairs, and restore water flow.
4. Clean and Dry the Saturated Area
Bursting pipes can release significant amounts of water. If you do not quickly dry the saturated area, your business may suffer mold damage. For this reason, you should work diligently to dry the water-damaged space while the maintenance team is working to fix the broken pipe.
The cleanup process involves several important steps:
• Drain standing water with a sump pump
• Remove all wet items including furniture, office equipment and carpets
• Make a flood cut to discard saturated drywall and insulation
• Use fans and dehumidifiers to expediate the drying process
5. Replace and Restore
Before you can return to normal business operations, you must complete repairs and determine the salvageability of computers and other office equipment. It’s important to ensure that the affected area is completely dry before you replace drywall and flooring. Completing repairs while the space is still damp makes you susceptible to mold contamination.
Cleaning up your office space after bursting pipes can be a daunting project. A professional cleanup and restoration team can assist you throughout the process and ensure that your building is successfully restored as soon as possible. For more information, visit http://www.SERVPROtemplebelton.com/.
Keep Fire from Charring Your Business Property in 4 Steps
Even the best fire preparation can sometimes not fully stop damage to your business.
Your Temple, TX, business is susceptible to significant loss from a sudden fire if it’s not properly protected. Fire preparation is necessary to protect assets and minimize losses. Using these four steps for disaster preparation, you can intervene when a fire strikes to minimize any losses you sustain.
1. Establish and Explain the Plan Beforehand
An established safety plan, regardless of business size, mitigates panicked reactions that otherwise would leave a fire unanswered. With a few escape routes laid out using signage and training, an action plan follows.
An action plan establishes responsibilities for deploying emergency services without delay, putting out manageable fires and identifying vital equipment for employees to evacuate if safety isn’t threatened. By working as a team with everyone playing a part, fire damage can be stopped from claiming every essential asset.
2. Fireproof Your Business
The largest risks for fire are electrical appliances and utilities that generate flames. Electrical items should be unplugged when unused and inspected before plugging in for frayed or damaged cords. Any surge protectors or power strips need occasional evaluation for overload risk as a fire preparation precaution.
If paper or other flammable materials are typically stored by an electrical outlet or very hot location such as an open flame, they should be relocated somewhere away from these hazards. Any flammable chemicals are regulated by OSHA and should be safely stored according to procedure.
3. Regularly Inspect Everything
With smoke alarms to alert everyone early enough and fire extinguishers to fight lesser blazes, your plan plays out more smoothly. Both of these are first line defense that can become defective. Occasional testing of the alarms and verification of an extinguisher’s expiration dates makes sure they are functional when they’re needed.
4. Know What to Do in the Aftermath
Even the best fire preparation can sometimes not fully stop damage to your business. Fire damage can, fortunately, be repaired by an expert restoration company. With procedural prevention, the damage can be minimized enough, and restoration can restore the burnt areas and items to be functional and clean. For more information, visit http://www.SERVPROtemplebelton.com/.
What To Save When Cleaning Up After a Flood
In general, most of these details will be taken care of for you if you work with a good company.
Content cleaning for your business after a flood might involve making some tough decisions. There are some things that you can keep and clean, but the overall cleanliness of your facility going forward should always take precedence over your desire to hold onto furnishings and other materials. Here are a few key concepts you should keep in mind while dealing with storm and water cleanup.
Don't Sweat the Small Stuff
There are lots of small things you might have in your building:
• Office supplies
• Various cleaning or cooking utensils
While some of these things might be salvageable, you should try to err on the side of caution when deciding whether to clean them or throw them out. Be extra careful if you had contaminated black water.
Keep a Record
Maintain a list of what you throw out. You might need it for insurance claims and other important paperwork. If you're working with an experienced disaster cleanup company, they might do this automatically as part of their recordkeeping. However, it never hurts to make it clear that you want your content cleaning company to provide you with a list of what they get rid of, especially if you need to request that specific losses be included for internal purposes.
Know What To Throw Away
Decisions about post-flooding cleanup in Temple, TX, aren't always hard to make. Some items should always be tossed or completely stripped down and rehabbed. For example, nearly every porous object that touches floodwater needs to be tossed. The exception might be unique items or expensive objects. For example, a professional laundry press might be cheaper to refurbish than replace.
In general, most of these details will be taken care of for you if you work with a good company. However, even the most experienced remodelers will need to know if you have any special requests. Just make sure to think of the future, even while the hectic content cleaning process is underway. For more information, visit http://www.SERVPROtemplebelton.com/.
Is Business Interruption Insurance Necessary if I Have Property Insurance?
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/.
What is the Standard for the Restoration Industry?
The IICRC Develops The Standards For The Restoration Industry
The IICRC has been the driving force in establishing the main industry standards and reference guides for professional carpet cleaning, water damage restoration and mold remediation. These IICRC standards take years to develop and require the coordination of experts in the field: manufacturers, industry organizations, insurance professionals, training schools, contractors, and public health professionals.
Every five years, the standards are reviewed and updated. The water damage restoration field changes rapidly with advancements in technology and science, and therefore the standards must evolve to keep pace.
About SERVPRO of Temple & Belton
SERVPRO of Temple & Belton specializes in the cleanup and restoration of residential and commercial property after a fire, smoke or water damage event. Our staff is highly trained in property damage restoration and we are an IICRC Certified Firm. We believe in continuous training: from initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property.
Steps To Take If Pipes Burst
What should I do if my pipes freeze?
A pipe burst cleanup is no laughing matter. You could potentially be dealing with large amounts of water. As soon as you discover a problem, turn off the main water supply. If you are unable to turn off the water supply, tell your plumber it is an emergency. You may need to shut down the power if water starts seeping from the ceiling or walls.
If you have an immersion heater or central heating system, it is wise to turn it off. This will prevent any damage from trying to heat an empty system. Now that you have taken measures to prevent the problem from getting worse, try to save any important documents or content inside the building that could get damaged.
The pipe burst cleanup may require water mitigation professionals in Temple, TX. You need to remove all the water and dry the building out completely. Depending on the extent of the damage, it could require the use of special equipment.
When dealing with major water damage, speed is important. You want to get things dry before the damp has a chance to set in.
Visit http://www.SERVPROtemplebelton.com for more information on water damage.
Fire Damage and Water Damage Go Hand in Hand
At first thought, it seems odd to discuss the results of fire damage and water damage in the same conversation. However, when a fire erupts and immediate action is necessary to quell the flames, the first response — whether through human intervention or system activation — is almost always to use water. If you’re forced to deal with fire, smoke or water cleanup in Temple, TX as a result of a commercial fire, it’s advised that you seek professional help from expert restoration specialists who know how to handle all three. Here are a few things experienced technicians will do to overcome these hurdles after a fire disaster:
1. Experts address water cleanup by removing excess water quickly and implementing drying techniques. They have advanced equipment essential for removing large quantities of water as quickly as possible to help prevent further damage. Once the liquid has been extracted, technicians work to dry and dehumidify the space to force any lasting water in your porous walls or belongings to seep out, expediting the drying process for your building.
2. Any fire damage is cleaned up and restored through the careful washing of soot and debris. It’s important to eliminate the effects of a fire immediately before the damage has time to set and become worse over time. Knowing who to call and how to proceed is crucial, as repair specialists can work quickly to wipe down soot and dirt from your walls and belongings while using industrial-strength cleaning agents to restore your upholstery and carpets.
3. Clearing out smoke odor is implemented through deodorization. Experts use professional-grade deodorizing solutions to eliminate smoke damage, removing any lasting smells from the premises with ease.
Since fire and water damage generally combine as a result of commercial fires, finding suitable technicians who have knowledge and experience in both water cleanup and fire cleanup is necessary. After all, having all repairs covered at once means a faster recovery period for your building.
How To Mitigate Against Frozen Pipes
One of the most common causes of property damage is water.
Most water-damage claims are caused by bursting pipes or a supply line leaking. A pipe burst cleanup can be very extensive.
Preventing Bursting Pipes
When temperatures start to drop, frozen pipes are one of the biggest risks of commercial property damage. Many pipes are located in the basement of a building where there is no heat. Before temperatures start dipping down below freezing, take some preventative measures. Insulate all pipes that are outdoors or in unheated areas of your building. You can also use heat tape for an extra layer of precaution if you live in an extremely cold climate.
Allowing the water to run at a slow drip helps relieve pressure if the pipes do freeze. Inspect your pipes regularly for any small leaks. Undetected leaks can lead to major damage.
Visit http://www.SERVPROtemplebelton.com for more information on commercial water damage.
SERVPRO of Temple & Belton is an IICRC firm. The Institute of Inspection, Cleaning and Restoration Certification (IICRC) creates the standards for the restoration industry and provides training and certification to restoration companies. IICRC Certified Firms have the right to display the IICRC Certified Logo.
IICRC Certified Firms must
• Present accurate information to consumers and conduct business with honesty and integrity.
• Require a technician on all jobs who has been formally trained and passed all required tests.
• Require a continuing education program to keep technicians up-to-date on the latest changes in the industry.
• Maintain liability insurance to protect all parties in the event of an accident.
• Maintain a written complaint policy and agree to Better Business Bureau or similar arbitration to resolve disputes, and accept the conclusions and recommendations of arbitration.
Commercial Water Damage in Temple
Flooding and water damage events at commercial properties are often complex with numerous issues that require a knowledgeable and flexible response. Whether we’re dealing with a relatively small water cleanup scenario or a large scale event, we work quickly to assess each unique situation and isolate the damaged area. In many instances, normal operations can continue in a temporary space while we restore your facility.
Restoring Commercial Properties Presents Unique Challenges
Our professionals are trained to be mindful of legal and environmental concerns and strive to fully restore the damaged area while working within your budgetary constraints. We understand that every hour spent cleaning up is an hour of lost revenue and productivity. So when an emergency situation arises in your business, give us a call and we’ll be there fast with the help you need.
About SERVPRO of Temple & Belton
SERVPRO of Temple & Belton specializes in the cleanup and restoration of commercial and residential property after a water damage event. Our staff is highly trained in property damage restoration. From initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property.