Does Commercial Insurance Cover Storms?
Hail on roof in Grand Manor, AZ
Commercial property insurance policies cover many types of storm damage. Owners of buildings in locations prone to hurricanes or flooding may want to consider an additional storm insurance policy or rider on an existing policy. Find out more about covered perils and which exclusions or limits to look out for in a policy.
Hail and Wind Damage
Most general commercial property policies cover damage caused by hail and wind. These conditions may result in several forms of damage to roofing materials:
Be sure to document damage before tarping over or taking other mitigation measures. Insurers are more likely to cover a claim if the owner can prove a roof was in good condition prior to a storm.
Leaks and Flooding
If a roof leaks due to damage sustained during a storm, commercial property insurance should cover the damage as long as the roof was previously in good condition. Flooding caused by the following conditions is not covered by most commercial property policies:
- Heavy rain
- Rising bodies of water
- Sewer backups
Supplementary flood or storm insurance policies or endorsements will be necessary to cover damage caused by accumulating rain. Heavy rain can also cause municipal sewer mains to back up into buildings. Additional sewer coverage may also be necessary.
Hurricanes and Tornadoes
Hurricane damage is cut out of many commercial property policies or may be subject to special insurance coverage requirements such as percentage deductibles based on property value. Property owners may want to seek additional coverage. Most policies cover damage caused by tornadoes, but policyholders should purchase a sufficient amount of coverage to compensate for a total loss.
Many types of storm damage should be covered by a commercial property policy for a building in Grand Manor, AZ. Flooding, hurricanes and sewer backups may require additional storm insurance to offset the costs of commercial mitigation and restoration.
Is Professional Fire Damage Restoration Necessary?
Stored clothes and other items from a fire.
After a fire in a home or a fire in a business, it can be difficult to figure out how to move forward. Luckily, professional restoration companies exist that make the transition easier. Some property owners believe they can handle the multistep process of restoring a home or business that has undergone significant fire damage, but it is rarely so simple. Using a restoration company simplifies the process in several important ways and gives individuals who are already experiencing a serious trauma some peace of mind.
A restoration company is able to work with the fire department and other local authorities in the aftermath of the fire. A fire in a home or a fire in a business is about more than physical property damage. The fire's cause is usually investigated seriously to prevent further fire damage or the spread of commercial fire damage by the local authorities. A professional restoration company is able to manage these investigations through experience and expertise.
Visit http://www.SERVPROpeoriawestglendale.com for more information on fire damage.
Put Your Home in the Hands of Professionals
Storm Damage in a Glendale Home
Professional Storm Remediation Services
You never expected that you would need storm remediation. Storm damage happened to someone else, not you. Ice damage, hail damage, and wind damage always passed you by. You managed to escape winter storms and hurricane damage in the past. This time you weren't lucky. The storm damage struck and now you are left with the wreckage. River flooding and flooding can cause ground water or flood water to invade, filling your home with water at alarming levels. You're bound to need water restoration and roof repair services for roof damage caused by wind damage or hail damage. Don't try to handle any type of storm renovation services on your own. When you require home restoration and storm restoration services, you have professionals who are ready to handle any challenges coming your way.
Visit http://www.SERVPROpeoriawestglendale.com for more information on storm damage.
Put Yourself in Hands You Can Trust
It is too overwhelming to handle storm restoration services on your own and you should not even attempt it. If you have been affected by any type of flooding or river flooding, you will have ground water or flood water. You will require a flood pump as part of water restoration services.
Flooding is one of the most serious types of damage, whether it is brought on by river flooding. To eliminate ground water or flood water, your storm restoration team will take advantage of a flood pump.
A powerful flood pump can do wonders when you have a build up of water in your home. If you need water restoration as part of your home restoration plan, expect a flood pump to do its job for storm remediation.
Once the flood pump has removed the water, your team of professionals can pinpoint other problems caused by storm damage. Wind damage and hail damage are typical causes of roof damage. A roof will have tarps placed on it to keep it from leaking anymore into the house.
Once flood water or ground water has been eliminated and any type of roof leak has been isolated, the repair phase can begin.
Should You Clean Electronics After a Fire?
SERVPRO of Peoria/West Glendale have specialized equipment for handling damaged electronics
Homeowners who have recently experienced a fire may be anxious to know whether electronics still work. Do not attempt to turn on any appliances or devices. Exposure to extreme heat and smoke can result in an elevated risk of overheating, short-circuiting and electrical fire. Here are a few fire cleanup recommendations for electronics.
Assess the Extent of Damage
A homeowner may be able to get a sense of the extent of damage without turning on or opening an appliance or device. Look for the following signs of smoke or fire damage:
- A soot coating
Electronics that have only suffered smoke damage are better suited for restoration or data recovery than items exposed to intense heat. Keep in mind that temperatures rise rapidly throughout a house during a fire. Even appliances or devices some distance away from a blaze may still sustain heat damage.
Rely on Trained Professionals
Fire cleanup professionals have specialized equipment for handling damaged electronics. These experts will remove these contents to an off-site location and check for several signs of damage:
- A black film over internal components
- Exposure to excessive heat
The first two types of damage may be cleaned. If heat has distorted or destroyed circuits, chips or wiring, it may not be possible to restore an appliance or device.
Restore or Replace
Restoration experts can advise homeowners about the best options for electronics. Some items may be capable of being cleaned, while other may need to be replaced. In some cases, replacement may be more cost-effective than a cleaning attempt. Ask about data recovery for hard drives and storage mediums in mobile devices.
Homeowners should turn over damaged electronics to trained restoration professionals. It is important to attempt fire cleanup and testing in an environment with the proper equipment to reduce the risk of another fire at a residence in Grand Manor, AZ.
What Do Mold Removal Professionals Do?
Mold removal in a Peoria, AZ home
What Do Mold Removal Professionals Do?
Unless you have been through the mold remediation process, it is difficult to imagine all the steps required to get a professional job done. That is why the mold removal process can cost anywhere between $500 and $30,000. The following list includes just a few of the steps a certified team takes to vanquish the unsightly foes from your home.
1. Water Elimination
Although flooding water is not always the culprit when it comes to mold, water is almost always at the root of a blooming colony of mold. That means materials infested with mold or soaked with water must be removed from the home.
2. Area Disinfection
The first step in attacking the mold is often cleaning the area with an industrial disinfectant. This typically includes floors, walls, and any other surfaces that are in the mold infested room. The professional mold elimination team knows that spores can cover every surface in the area.
3. Deep Removal
One of the most unpleasant parts of the mold removal process is tearing into the walls and boards of your home’s interior in Peoria, AZ, to locate the hidden colonies and begin the black mold removal. This process can not only be labor intensive; it can be very costly.
4. Extensive Reconstruction
After the mold is completely removed, the area can begin to be rebuilt. Floors, walls, and windows can be added to the room to make it functionable once again. This process can take some time, but the room can be redone to your specifications.
5. Zone Completion
Once the area has been repaired, the cleanup process can begin. Many companies will use a high-efficiency particulate air filtration vacuum to finish the process. The HEPA filter has been shown to capture any remaining mold spores in the air.
Mold removal is about killing what mold can be seen, removing what is beneath the active colony, and repairing the damage made by the fungus. Trusting the professionals to diagnose the issue and then treat it can save you time, headaches, and money.
What Causes a Toilet to Leak When Flushing
Bathroom damage, toilet was removed and space dried before reinstallation took place
When you purchase a toilet in Weedville, AZ, you expect it to last for years without giving it much thought. Then one day, you start noticing a bit of a leak around the floor and you may get upset and not know what to do about it. There are a few things you can check to discover the cause of a leaking toilet.
What to Check When Your Toilet Leaks
- Tighten the closet bolts holding the toilet to the floor
- If water still leaks out, you may need a new wax ring
- Inspect the bowl and base for cracks, even hairline could leak
Over time the closet bolts (white porcelain covered bolts at base of toilet) can work loose, allowing water to seep out between the base of the toilet and the wax ring. This is a simplest fix for a bathroom leak. Bolts should be tightened a bit at a time alternating sides to avoid cracking or an uneven seal. If this is the problem, you shouldn’t see any more leaking.
If the leak isn’t stopped by tightening the bolts, you may need to replace the weakened wax ring. Turn off the water supply, remove the closet bolts and unseat the toilet from the floor. Remove the old wax seal and replace it. Set the toilet in place and retighten the bolts.
If you still experience a bathroom leak, the toilet itself may need to be replaced. Check for cracks or fissures in the interior of the bowl. You may resist the thought of replacing the fixture but a leaking toilet can cost much more in the way of water damage to your home. Even a slow and steady leak can cause mold or rot in the floor boards and presents the possibility water leaking into the floor below.
A reliable emergency water damage service in Weedville, AZ, can help to clean up and repair the damage “Like it never even happened.” Checking things out at the first sign of trouble can prevent the destruction of an ongoing leaking toilet and keep things sound and peaceful.
After Your Commercial Fire
Contact a fire cleanup company in Glendale, AZ
Common Fire Cleanup Issues
No business in Glendale, AZ, wants to stay down any longer than necessary after a catastrophic fire event. Stay informed about common fire cleanup issues in order to maintain continuity and keep your company running smoothly.
1. Immediate Attention
The first concern for any business owner is the safety of the employees. Once firefighters have left the property, do not enter the property until you have been cleared by an inspector. Do not attempt to wade through lower floors that have been inundated by a fire suppression sprinkler or any other form of flooding resulting from fire damage. Emergency services may have shut off your utilities for safety reasons; do not attempt to restore them yourself.
2. Documentation and Prevention
The next steps involve assessing the damage and preventing ongoing problems. Once it is safe to enter the property, begin an inventory of all affected assets, including electronic devices and sensitive paper documents. Contact your insurance agency to send an adjuster who will confirm your claims and begin the proceedings which will allow you to collect on your policy and begin fire cleanup. Many agencies will require that you consult with an IICRC-compliant fire restoration service to begin more complex activities such as roof repair, smoke damage cleaning, and standing water removal.
3. A Note on Roofing
Unfortunately, fighting a fire frequently involves making holes in roofing materials to prevent hot air from accumulating in the upper areas of the building and intensifying the blaze. This ventilation process prevents fire damage overall, but does require extra attention after the fire has been put out. Place tarps or plywood over the holes to prevent rainwater and other environmental hazards from damaging your assets through exposure. You chosen restoration service can assist with tarp services and other temporary enclosure methods.
No business should endure significant downtime from a fire event. Develop a recovery plan for fire cleanup and review it with your employees and consultants.
Immediate Response Can Reduce Water Damage Exposure
When you have water damage to your building in Peoria, AZ, you need to act fast, but you need your actions to count. Here are important steps to take when you are cleaning up from a flood.
1. Call an expert. Commercial water damage restoration specialists have the expertise and knowledge to get you through the cleanup and recovery process. Since time is so critical, call them before you do anything else.
2. Make sure it’s safe. While you are waiting for help to arrive, you can begin cleanup. Before you do, make sure it is safe. Turn off electricity before entering a flood water area, and don’t use lights or appliances that have been in contact with water. If flooding is caused by black water, protect your body from direct contact.
3. Start removing water. Grab mops, sponges and rags to start the water cleanup process while you wait for the professionals to arrive.
4. Protect key documents. Make sure your most important documents are removed from ground level to reduce exposure to water.
5. Protect furniture. Wooden furniture is porous and absorbent and needs to be set up on blocks or foil so that it doesn’t remain in contact with a soggy floor.
6. Remove carpet and rugs. Experts will help you decide if rugs and carpets can be saved, but removing them will increase your chances. If you can put them outside to dry, go ahead and start that.
7. Gather personal belongings. Picking up personal items from the floor will help make sure the room is ready for the experts to use their commercial pumps and water removers to minimize water damage.
Restoration experts will do all these, but you can increase your chances of saving items by taking action while you wait.
Fast Action Makes a Difference
Broken pipes can wreak havoc in your building, but you can help reduce your losses by having a plan in place to contact professional help and to start cleanup immediately.
How to Respond to a Basement Flood
Basement flood in Glendale, AZ
How to Respond to a Basement Flood
Under normal weather conditions and with a functional sump pump, a basement flood is a rare event. However, one should still be prepared to handle such a situation should it arise, given that the speed of response can directly affect property values and environmental conditions in the home.
1. Personal Safety
In the event that it becomes necessary to enter the flooded area, a number of precautions will be necessary. If the amount of water is lower than a few inches, making temporary walkways out of cinder blocks and boards may be enough to allow you to reach pertinent areas and begin the process of removing the remaining water. However, if the situation is severe and the electric and gas systems have been compromised by water intake, it is best to have these systems disabled in order to reduce electrocution and fire risks. Standing water can also incubate disease, so boots, gloves and respirators are advised during prolonged periods in an inundated home.
2. Restoring and Reconfiguring
If the sump pump is no longer functional, restoring it should be a high priority during a basement flood, especially if further inclement weather is expected. For the same reason, any exterior factors that tend to cause water pooling around entryways to the basement may need attention, such as the direction of downspouts. Some interior elements such as wet drywall or sensitive electrical appliances may need to be replaced. Carpets, carpet padding, and subflooring may need drying or replacement depending on the type. Many insurance coverage plans may require photographic documentation of the damages in order to process claims.
A basement flood in Glendale, AZ, can be a catastrophic event, but proper planning and appropriate tools can make managing the damage much easier. If the above steps are not feasible due to the risks involved, remember to contact a qualified cleanup service professional.