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The Basics of Commercial Property Insurance Coverage

7/30/2022 (Permalink)

Commercial Insurance Policy Talk with your insurance agent if you have questions about your commercial insurance policy

Every business owner knows the importance of property insurance to protect their property against damage from fire and other disasters. Frequently, a commercial insurance package will include protection for various scenarios in addition to property protection, such as general liability insurance and employee practices liability.

Property Insurance Considerations

Your insurance agent considers a number of factors when determining the best property insurance coverage for your business in Georgetown, TX.

Geographic location - If you live in an area with ample fire hydrants and a nearby Fire Department, your cost will usually be lower than if your home is situated in a rural location with limited resources.
Type of business - A restaurant or mechanical shop will typically have higher rates than an office building. Even if your business has a low fire risk, if you share a space with one that has a greater risk, your premiums tend to be higher as well.
Construction type - The type of materials used to construct your building affects your premiums. If your building is made with fire-resistant components, your commercial insurance rates will usually be lower than in buildings made from combustible materials. Your insurance agent looks at internal structures, such as stairways and floors, as well as the construction of the exterior of the building when determining your coverage.

Examples of Property Insurance Protection
The most common commercial property insurance claims involve some sort of damage caused by a fire or natural disaster. However, the typical policy also protects your business from theft and vandalism.
If you need help renovating your business after a devastating fire, don't wait to contact a fire damage repair service. Further damage can occur if you wait too long for help. Professionals are trained to assess the damage and develop a plan to get your business back to normal as soon as possible.
Talk with your insurance agent if you have questions about your commercial insurance policy.

What To Do If You Have Leaking Light Fixtures in Your Home

7/20/2022 (Permalink)

water coming out a light fixture Do not attempt to address water in light fixtures on your own

Take the Following Steps If You Find Yourself In This Hazardous Situation

Water damage in your home can come from a variety of sources. A storm in Serenada, TX, a broken appliance and damaged plumbing may all cause quite a bit of trouble. If flooding occurs on an upper floor, this can sometimes result in water in light fixtures.

1. Turn Off the Electricity
The first thing you need to do if you notice water in the lights in your house is to turn the electricity off. Do not attempt to switch off individual devices since this can be dangerous. Instead, use the breaker to shut off electricity in the whole building.

2. Turn Off the Water
Depending on the source of the flooding, you may also need to shut off the water in your home. This is likely if the dripping water in light fixtures is coming from a damaged pipe or appliance. Plumbing problems, such as an overflowing toilet or bathtub, may require the same treatment.

3. File an Insurance Claim
If you have insurance that covers the type of damage that has occurred, you should file a claim right away. Depending on the terms of the policy, waiting too long could result in denial of your claim. The process can be lengthy, so starting immediately will also save you some time.

4. Hire a Professional
Because water and electricity are a dangerous combination, you should not attempt to address water in light fixtures on your own. These may need to be completely replaced and should be tested by a professional before you use them.
If you have ceiling damage or need repairs after a leak or flooding, a water damage remediation company can take care of this for you. They will inspect your home to assess the damage, perform mitigation and make repairs. If you have belongings that have been affected, these can often be salvaged as well.

5 Steps To Solve a Bathtub Sewage Backup Problem

7/15/2022 (Permalink)

Bathtub overflowing, clean water flooded a bathroom. Bathtub backup in Andice, TX

Take These Five Steps as Sewage Starts Backing up Into a Bathtub

When contaminated water or solid waste backs up into a bathtub, homeowners need to resolve underlying plumbing problems before cleaning and restoring damage caused by a sewer backup.

1. Plug the Bathtub Drain
A drain plug can be helpful for keeping backups under control. Plugging the drain limits the amount of contaminated water that can flow back into a bathtub or overflows into a bathroom.

2. Clear the Sewer Line Blockage
Water will follow the path of least resistance and most tub fixtures are lower than bathroom sinks and toilets. Clearing blocked primary or secondary drains may resolve an issue. Depending on the severity of a clog and the availability of plumbing tools, a homeowner may need to call a professional.

3. Limit the Scope of Damage
Any measures a homeowner can take to contain contaminated water and solid waste can minimize sewer backup damage. Bathtubs are easy to disinfect, but porous materials and contents may need to be torn out, disposed of, and replaced.

4. Dispose of Contaminated Materials
It is important to get rid of absorbent materials that cannot be disinfected. Any materials contaminated by flooding that remain intact raise risks of mold damage and exposure.

5. Disinfect Nonporous Surfaces
A bathtub and most nonporous surfaces in a bathroom can safely be disinfected. Depending on the extent of sewer damage, a homeowner may clean up a backup into a bathtub or need to call professionals for a more comprehensive cleanup and restoration.
It is important to limit the spread of contaminated water and waste during a bathtub backup at a residence in Andice, TX. While most tubs are made of hard, non-porous materials, absorbent grout or drywall surrounding a bath may be difficult to completely clean and continue to pose re-contamination risks after a sewer backup.

4 Steps of Timely Mitigation

6/27/2022 (Permalink)

water damage on ceiling Ceiling water damage after a storm in Florence, TX.

Four Steps of Timely Mitigation

A leak in your attic after a storm in Florence, TX, is a clear sign that you need roof repair. To prevent additional damage, you need to call storm mitigation experts as soon as possible. The sooner they can get started, the sooner they can work through the four steps needed to resolve the problem.

1. Assessment

The first thing the specialists do is analyze the roof damage to see what needs to be fixed. If there are no signs of leaks or damp insulation in your attic, you probably don’t need to replace the roof altogether. If, however, water has already made its way into your home, they know that the process is going to be a little more complicated than replacing a few shingles.

2. Drying

Mold can start to grow in damp places within as little as 24 hours after the storm has torn up your roof. Getting the wet areas dry as soon as possible, therefore, should be a priority. Saturated materials should be torn out and replaced. Tarps should be placed on the roof over the open areas so that no further damage can occur.

3. Removal

Roof repair also includes removing damaged materials before contractors can start to rebuild. Damaged shingles, chipped flashing, damaged vents and other broken parts must be taken away so that they can be repaired or replaced.

4. Restoration

If your attic flooded as the result of heavy rains or wind damage, the waterproof layer will likely need to be replaced. After that is down, the roofers can rebuild the other components of your roof. Once repairs are complete, it is a good idea to set up an appointment for the next inspection to protect against future damage.

Roof repair is not something you want to delay. Timely mitigation is vital to repairing the problems that exist and preventing secondary issues from occurring.

4 Reasons To Board Up Your Home After a Disaster

6/19/2022 (Permalink)

Board up window Board up your house after a fire or other catastrophe.

Four Reasons To Board Up Your Home

After a fire, storm or other disaster strikes your Georgetown, TX  home, your instinct may be to flee to a hotel or a friend's house immediately. Before you go, consider protecting your ailing home. It may seem like yet another thing to add to your already-crowded "to-do" list, but it could save you from further drama. Here are four reasons to board up your home until your fire and storm damage restoration company finishes undoing the damage.

1. To Stop Secondary Storm or Fire Damage
The potential for damage doesn't stop once the flames are extinguished or the wind subsides. Gaps, cracks and holes in your home can create more problems by letting in wind, water, debris and pests. These unwanted guests are problematic enough on their own, but they can also worsen damage originating from the initial event.

2. To Prevent Theft and Vandalism
Insects and animals aren't the only home invaders you need to worry about if you leave your home vulnerable. Missing windows and broken doors allow would-be criminals of all shapes and sizes access to your home.
There's likely more inside to steal than you realize, too. More and more, thieves are less interested in your big-screen TV than they are in nabbing personal information, appliances and even building materials.

3. To Keep Your Insurance Coverage
Your insurer may require that you board up your home after a fire or weather event in order to maintain your coverage. This is rooted in the same reasons listed above: the sooner you board things up, the smaller the window for additional damage or theft.

4. To Protect Yourself From Lawsuits
Did you know that if somebody enters your fire-ravaged kitchen and injures himself or herself, you could be forced to pay damages? Stop that possibility in its tracks when you halt unwanted visitors with an emergency board-up.
Board up your house after a fire or other catastrophe, and you can remove a variety of stressors from your family's agenda. That's time better spent looking forward to your restored home and taking a well-deserved break.

Qualifications Need for Preferred Vendor Status

6/6/2022 (Permalink)

Green van parked outside a building Ready to help in Serenada, TX.

Preferred Vendor Status Requires the Following Qualifications

A close relationship with your insurance agent might not always seem like a critical benefit, but this could change in a matter of moments after a fire or extreme storm damages your facility in Serenada, TX. Then you will find that years of paying insurance premiums and thinking about the best coverages will pay off. Another part of the equation during this time is selecting the right damage mitigation company to lead you out of trouble.
You want a company that is well versed in all the methods of cleaning and restoration, but you also should look for a company that is a preferred vendor for your insurance company. A SERVPRO franchise meets all of these requirements.

The Merits of the Preferred Vendor Program
It is easy to make claims for your business, but backing them up takes knowledge, training and preparation. In the cleaning, inspection and restoration field this credibility depends upon multiple factors:

  • Transparent guidelines for measuring success
  • Validation from independent sources such as the IICRC
  • Established metrics to measure customer satisfaction
  • Ongoing training and education programs

Your insurance agent will also appreciate working with a company that embodies professionalism in everything that it does. This will lead to faster and more efficient cleanups, reduced damages and a streamlined process for settling claims.

The Benefits of a Professional Response
In the initial moments of dealing with a disaster, there are many moving parts. All of these need to work together to result in a truly successful recovery. It begins with trained and motivated workers arriving on-site within hours to begin the restoration process. Then it moves on to following a plan to restore your building to its original condition. Finally, it involves wrapping up important financial details. Your insurance agent will appreciate an orderly and professional process from start to finish.

Mold Cleanup Standards in Your Area

5/26/2022 (Permalink)

Technician wearing protective gear while removing mold Mold cleanup in Andice, TX.

How Can You Tell That a Mold Problem Has Been Appropriately Addressed?

The good news is that in Andice, TX, mold clean-up and recovery professionals are held to specific mold standards. These standards have been established by several agencies:

The Environmental Protection Agency, or EPA, focuses on how mold may affect the environment in your building and on the environment. It also offers insights into who should handle the cleanup efforts.
The Institute of Inspection Cleaning and Restoration Certification is the go-to source of training, standards, and certification. In addition to establishing high standards for professionals in the industry, the IICRC also oversees the quality of mold removal and cleanup within the industry.
The Centers for Disease Control and Prevention, or the CDC, also provides a lot of helpful information about upholding the standards established by the EPA. It also provides official recommendations pertinent to specific mold growth situations.
OSHA, or the Occupational Safety and Health Administration, is another source of cleanup standards. This agency covers details about how to cleanup specific types of mold, such as black mold and gives specific information about business and property owner responsibilities.

The IICRC Mold Remediation Standard
It's important that you understand the mold standards that affect your business property. Familiarity with these standards can help you ensure that you have a clean, safe place for people to live or work. Technicians in your area may uphold the IICRC S520 Standard which protects the health of the workers and the people using the building, outlines the use of equipment, governs removal of contaminated materials, and dictates how the original moisture problem is addressed.

Standards and Your Confidence
When professionals adhere to mold standards established by the government and industry leaders, you can be confident that remediation has been carried out appropriately and thoroughly. You can also feel confident in the well-being of your building.

The Benefits of Using the Same Company for Mitigation and Restoration

5/18/2022 (Permalink)

Three people on a metal scaffold wearing protective uniforms when performing fire cleanup in a gym This gym had smoke damage very high up on the walls and ceiling.

The Benefits of Using the Same Company for Mitigation and Restoration

If a fire ravages your commercial building in Florence, TX, you want to make sure that the areas with fire damage are repaired and rebuilt in a timely manner. There are several benefits of using the same team of fire restoration specialists to do all the work.

Saves Time
Hiring one company can save you a significant amount of time in the long run. Any time you have repairs done on your building, there are some steps that are typically a part of the process:

  • Contact
  • Consultation
  • Assessment
  • Debriefing

When one team handles both fire mitigation and restoration, you only have to go through each of these steps one time. This one-stop-shop approach streamlines the overall process, which gets your building back in order more quickly.

Improves Communication About Fire Damage
It's good to have everyone on the same page. No matter how many people are working on the cleanup, they need to know what others have done. It is especially important for them to know any problems other team members have encountered when mitigating damage.
Restoration is easier when it's handled by the same company that completed the mitigation portion of the process. The ones who tear out ruined materials and remove soot and smoke damage from the remaining surfaces report on their work. Then those who are rebuilding your structure can check their own company's records to verify what still needs to happen before they proceed.

Helps Claims Process
Your insurance adjuster needs a lot of information for the evaluation of your claim. After the walkthrough, you can provide pictures and video of the damage as well as confirmation of how much it will cost to replace the items that have been destroyed. Being able to submit one list of expenses from the beginning of cleanup to the final touches of restoration helps to verify your claim.
Both mitigation and restoration are necessary to get rid of fire damage. It makes good sense to hire the same company to do both.

What To Know Before Making a Water Damage Claim

5/11/2022 (Permalink)

Pipe burst, pipe leaking Finding bursting pipes in your Georgetown, TX, home is a stressful experience.

Finding bursting pipes or a flood of water in your Georgetown, TX, home is a stressful experience. You have to get the mess cleaned and try to salvage your belongings. You also have to worry about whether your insurance will cover water emergency restoration services. Here are some tips for filing a successful insurance claim.

Types of Water Damage Covered by Insurance

First, you need to understand when a water emergency is and is not included in your insurance policy. Typically, there will be at least some coverage for the following incidents:

  • Flood
  • Overflow
  • Storm damage
  • Sewer backup
  • Sudden discharge of water

Gradual Damage
Insurance policies usually do not include coverage for gradual damage. Gradual damage includes harm caused by:

  • Damaged wires
  • Leaking pipes
  • Improper repairs
  • Basement or roof cracks

Still, there are some exceptions to this rule. For instance, your policy may not cover the cost to fix broken pipe issues that leaked over time, but insurance may pay to repair or replace items in your home that were damaged by water from this pipe.

Successful Claims
If you think your home's bursting pipes or another water emergency is covered by your policy, you should contact your insurance provider as soon as possible. Once everyone is safe, you can return to the premises to take photos or videos of the damage.
There are several things you can do now to reduce your chances of an insurance claim being denied in the future. Start by doing regular maintenance of your home every six months. This will prevent small issues from causing gradual damage that insurance will not cover.
Be sure to also keep detailed records of any repairs you do or any professionals you hire to work on the home. In addition, you should review your insurance policy and decide if you need to purchase any endorsements for additional coverage.
Homeowners' insurance can cover a variety of water-related disasters, from bursting pipes to a toilet overflow. The above information should help you make a successful claim.

Special Techniques That Aid Recovery After a Storm

4/25/2022 (Permalink)

Flood cut performed on drywall Flood cuts are employed for repairing drywall and wall insulation.

After a Storm, There Are Several Special Techniques That Can Help With Recovery

While your commercial building in Serenada, TX, might seem indestructible, in reality, it is at risk of powerful storms. Thunderstorms unleash lightning and high winds, while tornadoes produce winds of more than 100 miles per hour. As recent events have shown, hail storms can be truly destructive. Hurricanes often generate torrential rains that lead to flooding.
All of these weather events put your facility at risk of damage. Fortunately, an experienced storm remediation company has the equipment and the knowledge to bring your company back from disaster. They often use specialized techniques during the restoration phase.

The Execution of a Tear Out
When water inundates your building, many materials become saturated with moisture. In some cases, normal drying is not sufficient, and a technique known as a flood cut is employed for repairing drywall and wall insulation. In the aftermath of flooding, technicians will perform the following actions:

  • Remove all standing water
  • Cut the drywall 12 inches above the flood line
  • Remove all damaged wall insulation
  • Completely dry out the area with fans
  • Replace new insulation and drywall

This must be done to remove any contamination caused by floodwaters. It ensures the drywall and insulation will not later produce unpleasant odors or result in mold growth.

The Utilization of Professional Cleaning Methods
A professional restoration company will also use many different methods of cleaning and sanitizing areas of a building as well as the contents of a building. While some items such as clothes might need dry cleaning techniques, other items such as non-porous items can benefit from abrasive cleaning or foam cleaning. The technicians will determine the best method of cleaning for each item, and they will use a restore versus replace mentality when possible.
The recovery of your facility from flooding is a complicated process. Trained professionals can restore your building quickly and efficiently with industry-leading techniques and advanced equipment.