Recent Commercial Posts
How Business Interruption Insurance Helps After a Fire
Business interruption insurance can help cover your costs during the restoration period
A fire to your O'Fallon, MO, business can cause major damage and disrupt your operations for a significant period of time. Fortunately, business interruption insurance can help cover your costs during the restoration period.
What Does Interruption Insurance Cover?
Every policy is unique, but interruption insurance usually covers regular operating expenses incurred as well as profits lost while your business is not fully operational. Some of the expenses covered include the following:
Fixed expenses, such as operating costs and loan payments
Other miscellaneous expenses the business incurs in order to remain operational
Many companies close permanently after a business fire due to lost income. The funds received from an interruption policy can help your business stay afloat without losing employees, falling behind on taxes or defaulting on loans. Make sure you maintain adequate records showing income, expenses, and profits for your business and keep these in a safe location, such as cloud storage so that you have access to them when filing a claim. Discuss the details of the policy with your insurance agent to make sure you have enough coverage to see you through a disaster.
How Long Does Coverage Last?
As the name implies, business interruption insurance covers the period of interruption due to a fire or other unforeseen event. Many insurance companies define this period as extending from the day the loss occurred, i.e., the date of the fire, to the day the business has been fully restored and is back to normal operations. This includes the time needed for fire cleaning, purchasing new equipment, etc.
If your company suffers a fire, business interruption insurance can help pay for your expenses while your property is being restored. Even so, it is important to get your business back in its regular building and operating at full capacity as soon as possible. An experienced restoration service can help with this process, giving you more time to focus on taking care of your employees and customers.
How Can I Protect My Business from a Flood?
Make sure that all of your important computer data is backed up
How Can I Protect My Business from a Flood?
If your business is in a flood-prone area, you have every reason to prepare for the inevitable. Flooding can happen quickly during heavy rain. You can begin making long-term preparations today. Then, when you hear that there’s a flood warning, you can make more immediate preparations. Reduce flood damage as much as possible by following these steps:
1. Protect Valuables
Move any valuable items or electronic equipment to an elevated location. Unplug electronics to avoid electrocution.
2. Protect Important Documents
Keep all important documents in a waterproof location. For more security, scan the documents to make digital copies, then back them up.
3. Backup Computer Data
Make sure that all of your important computer data is backed up in case your computer equipment is damaged. Saving to the cloud is ideal since it’s stored in a secure location. You can also backup to an external hard drive to be kept in a waterproof location.
4. Clean Gutters and Drains
Keep your gutters and storm drains maintained. Doing this can potentially keep your building from flooding or will make the damage less severe if it does.
5. Review Your Insurance Policy
If you’re in a flood-prone area, make sure that you have flood insurance and that your business insurance has the proper amount of coverage. Ask your agent about business interruption coverage to cover lost business revenue and employee salaries should a disaster occur.
6. Stock Emergency Supplies
Keep a well-stocked first-aid kit for any type of emergency. Also, keep a battery-powered radio, plenty of drinking water and non-perishable food, flashlights, blankets, sandbags, and a wet/dry vacuum.
7. Create an Emergency Contact List
Make emergency contact information easily accessible to you and your employees. Include family of employees, your business associates, your insurance agent, and remediation professionals.
It’s important to prepare for potential flooding well before a water incursion occurs at your Weldon Spring, MO, building. However, some flood damage can be unavoidable. Whether your building has suffered a flood of black water or secondary damage such as mold, remediation professionals can return your building to its preloss condition.
Preventing Mold Growth in Commercial Buildings
Mold growth in Weldon Spring, MO
Black mold can be a major problem for your Weldon Spring, MO, business. In addition to the potential health effects associated with this type of mold, it can also permanently damage the contents and structure. Fortunately, it is possible to prevent mold growth in many cases.
Where Mold Grows
Knowing where to check for mold is key in catching a problem before it becomes serious. The following are some common locations for mold growth:
Be sure to check these areas routinely for any signs of mold growth, and begin mold cleanup as soon as possible. If you are unable to check the ductwork yourself, you can ask your HVAC technician to perform an inspection.
How To Prevent Mold Growth
All mold types, including black mold, need moisture to grow. Because fungi can survive on many surfaces and grow at a wide range of indoor temperatures, it is important to keep the building dry. Try to keep the indoor humidity below 50%. You may need to use a dehumidifier to accomplish this. Also make sure that all items are fully dry before being put away. If you discover a moisture problem, address it immediately. In addition to keeping your building dry, you can deter mold growth by keeping the mold spores in the area to a minimum. A HEPA air purifier can help with this. Additionally, using a vacuum cleaner with a HEPA filter can capture more mold spores than can a traditional vacuum. During routine cleanings, make sure to use a cleaner that will kill mold spores before they have a chance to begin growing. Bleach, vinegar and many commercial cleaning solutions can accomplish this.
Even the most conscientious business owner can discover black mold and other fungi in a commercial building. Fortunately, a certified restoration company can help you get your Weldon Spring, MO, business back to normal quickly and safely.
Preparing Your Business for a Flood
Have a continuity plan
Preparing Your Business for a Flood
You never want to deal with a flood in the workplace, but it's something you should be ready for just in case. Making a plan now can spare you and your business a great deal of grief and heartache in the future. There are effective methods of both reducing the risk of flooding and of keeping your company going if water does make its way into the building.
If your office is located in an area of O'Fallon, MO, where floods are more common, you should take steps to minimize flood damage. You can't stop heavy rains from coming down and overflowing nearby waterways. However, you can do some of the following:
- Make sure all pipes are free of cracks and leaks.
- Make sure rain gutters and downspouts send water away from the building.
- Install backflow valves in the sewage system.
What To Do About Data
Your business has sensitive information on servers, external drives and computers. Flooding can cause irreversible damage to electronics. If you have not backed up financial data, important files, personnel records, databases and other critical information, now is the time to do so. Use cloud-based sites to store all your digital information. For paper records, scan in files and secure them on online storage sites.
Have a Continuity Plan
If flood issues such as black water make it difficult or impossible to conduct business form your building, you need to have something in place where you can continue running your operations. Ceasing your business until professional cleanup crews make your building safe could cost your customers and production. Make it possible for people to work remotely during the restoration process. Have a satellite office where you can manage the affairs of the company.
Implement these strategies today so if flooding does occur in your building, you'll know how to act. These steps can help you during an emergency.
How To Handle Water Damage That Spans Multiple Floors
Water damage on ceiling
If you have sewer damage from an overflowing toilet in your building in St. Charles, MO, the immediate area may not be the only cause for concern. This is especially true if the restroom in question is not on the ground floor. Sewer water can seep into the floor and wall of the restroom and then work its way down into the ceiling and the walls of the floors below. If the flood is large enough, every lower level can be affected. This changes the cleanup process for sewage remediation experts in several ways, which also changes the rate at which they are able to complete the mitigation.
With most sewage problems, the issue is localized in one area of the building. When you have a flooded toilet on an upper level, however, it can spread to a large portion of the floors beneath it:
- Inside walls, including insulation
- Through ceilings, including light fixtures
- On wall surfaces, including wallpaper or paint treatments
All of the sewer damage must be found and included in the initial assessment. You want technicians to be as thorough as possible so that you have a realistic itemized list to present to your insurance company.
The other step that is complicated for the sewage company in a multiple-floor job is the removal of damaged material. Although there may be multiple floors involved, they may have to work on one floor at a time to maintain the structural integrity of the building. They will likely start with the area that has the most damage. Then they can work quickly through the other areas to tear out material before it has the chance to start to grow mold. Once all the affected material is gone in an area, they can start to clean and rebuild the structure.
Sewer damage involves multiple steps to clean up anyway, but the process gets a little more complicated when it spreads to other floors. Calling restoration professionals quickly when you know there's a problem is key to making the process go as smoothly as possible.
How To Prevent a Business Fire
Have fire extinguishers available in your St. Charles, MO business
Fire Prevention Tips To Follow To Keep Your Business Safe
A business fire in St. Charles, MO, can greatly affect your bottom line. If a fire breaks out in your office building, your employees may not be able to work while the area is being restored. A store fire, meanwhile, can lead to a temporary closing and a loss of customers.
It is not just the fire’s flames that can destroy parts of your commercial building, either. Smoke damage can also occur. Thankfully, there are fire prevention tips you can follow to keep your business and employees safe.
Have Fire Extinguishers Available
A small fire can tear through a building in a hurry. You should thus make sure your building has extinguishers that your employees can use to stop a fire before it spreads. There should be at least one fire extinguisher on every floor, and employees should know where they are.
Automatic sprinklers can prevent severe fire damage to your building. In fact, the National Fire Protection Association states that properly maintained sprinklers are 95% effective.
Unplugging appliances at the end of each business day is a simple fire prevention step you can take. Cloth, paper and other flammable materials should also be kept away from any appliances that may overheat.
Replace and Check Wiring
Electrical wires are a common cause of commercial fires. You should thus frequently check any power cords for broken connectors or fraying. Damaged cords should be replaced immediately.
Placing too many plugs into a single outlet can also lead to fire. Only use one extension cord in each outlet, and don’t go above the maximum suggested wattage when utilizing power strips.
If a fire does occur at your business, a company that provides commercial building restoration services can get your property back to its pre-fire condition as soon as possible. However, by following the above fire prevention suggestions, you can do your part to avoid the need for such services.
Common Types of Water Damage in Commercial Buildings
Commercial water damage in Portage Des Sioux, MO
4 of the Most Common Causes of Water Damage
Depending on the size and severity of the damage, something as minor as a broken pipe can cause a lot of problems in your commercial building in Portage Des Sioux,MO. It is important to know what to look out for so that you can perform regular inspections and proper maintenance on items that may lead to leaks or flooding. Here are four of the most common causes of water damage that you might run into.
If you are in an older building, your pipes are more likely to have problems. However, weather plays a big factor in this. When temperatures drop, the water inside expands, which can lead to a broken pipe. The best way to prevent this is to keep the water flowing constantly during the winter.
An overflowing toilet is one of the more dangerous types of flooding you can run into. The water is considered unsanitary and contains bacteria and viruses if it comes from the sewer. You can help prevent this from happening by putting waste bins in each of the stalls and putting up signs asking people to properly dispose of feminine products and other trash. If you do find yourself in this situation, you may want to call a professional water repair company to help clean and disinfect the area.
Severe weather can occur in Portage Des Sioux,MO, so it is a good idea to have your roof inspected before the rainy season. Oftentimes, the leak is so small it goes unnoticed, which can lead to mold growth or other issues. Always check for signs of damage after a storm. Get even the smallest problems fixed right away so that further complications don't arise.
You can usually handle small leaks by yourself, but if you do not feel you are equipped to deal with a broken pipe, you should call a water restoration company in Portage Des Sioux,MO to come help.
How Ice Dams Contribute to Mold Growth
Ice dam on a St. Charles, MO building
What Happens to Your Building After a Snow Storm?
During severe weather, your St. Charles, MO, business may be more likely to experience damage to its premises. One thing that can cause a problem is the formation of an ice dam. This seemingly innocent product of melted snow can cause costly damage. Here is what happens to your building after a snow storm.
1. Snow Melts and Forms Ice on the Roof and Gutters
During a snow storm, quite a bit of snow can accumulate on your building’s roof and gutters. Heat from inside of the building or from the weather warming up can cause the snow to melt and then reform as ice. The buildup of ice can prevent the rest of the snow from draining properly as it melts, which can cause damage to your building.
2. Water Leaks Into Your Building
As the snow begins to melt, because the ice dam prevents it from draining, it can begin to trickle down inside of the walls of your building. As this continues, it can cause damage to walls as well as create the right conditions for a fungus, such as black mold, to form.
3. Mold Begins To Form
As the water creates moisture inside of the walls, fungus can begin to grow within the day. After just a short period, you might be left with a big problem that requires professional mold cleanup. The mold will continue to spread as long as the moisture is not removed. If you believe that a growth has formed, you should take action immediately.
Mold spreads very quickly, so the best way to keep your building mold-free is to remove the snow and ice from your building before it causes any damage. If you are unable to do so and an ice dam causes leaking and mold, you should hire a mold remediation service to take care of it as soon as you can.
How to handle a commercial water loss in St. Charles, MO
If you have a commercial water loss in St. Charles, MO, SERVPRO of St. Charles City is the premier restoration company to help you from start to finish.
Here is a typical guideline of what will be needed to perform to get your business back to pre loss condition.
1. Initial Assessment: This can include the initial walkthrough and determine what needs to be done from start to finish. Typically a scope of service will be written.
2. Immediate Emergency Services: SERVPRO of St. Charles City will begin extracting and removing water from the facility.
3. Drying: SERVPRO will place drying equipment throughout your facility. Each day a member of their team will check on the progress until the structure is dry.
If you have any questions, do not hesitate to reach out to us at anytime. We are always here to help!
What to do if you have a fire in your place of business
If you have a fire in your business, it can create a stressful time for you and your team. Luckily, SERVPRO of St. Charles City is here to help from start to finish. Our goal is to get your property back to pre loss condition as soon as possible.
The first step is for SERVPRO to perform the initial emergency services. Once all of the water and damaged materials are removed from the fire, SERVPRO can begin the cleaning process. Each fire job can be different, so it is important to follow all guidelines set forth by the IICRC.
SERVPRO takes great pride in documenting each step of the project so you have accurate records of you job for your insurance company. If you have any questions, do not hesitate to reach out to us at anytime.
Can SERVPRO help with a large Commercial Loss
Can SERVPRO of St. Charles City help with a large commercial loss?
The answer to that question is absolutely yes. SERVPRO has more equipment and manpower than any company in the St. Peters and St. Charles area. If you have any questions, do not hesitate to reach out to us at anytime.
Every loss can be different, so it is important to make sure that a trained company like SERVPRO assesses each step of the job to make sure the proper steps are taken.
It is important to make sure that plenty of notes and pictures are taken throughout the project. This can help if there are any issues with your insurance company along the way.
If you have any questions, please do not hesitate to reach out to us at anytime.
Who is the best commercial restoration company
SERVPRO of St. Charles City is the best choice when it comes to choosing a disaster restoration company. If you own a large or small business, SERVPRO understands the importance of keeping your doors open and minimizing downtown in the nature of a catastrophic event.
Our team is faster than any other restoration company in the St. Charles City region. Our technicians and managers are trained and certified to handle any type of water, fire or mold damage. We pride ourselves in being an educational resource to help your from start to finish.
Documentation throughout any large project is a priority that we take seriously. We want to make sure that you have the notes and documentation for your records in case you have any issues with your insurance company.
If you have any questions, call SERVPRO at anytime day or night.
The Riddle of Water Damage After a Fire
Water damage after a fire in St. Charles, MO
Water Damage After a Fire
The flames billow during a fire in St. Charles,MO, and nothing is more welcome that the fire fighting crew with the pressurized water hoses and chemical retardants being sprayed onto the roof of your commercial building. As the flames die down, an inspector can then inform you the building is safe to reenter. That is when you notice the fire damage and water - so much water. How can you begin to deal with all that unexpected water? Try these three steps.
1. Contact a Professional
Fire and smoke restoration professionals can quickly begin work on removing the water from your building once the fire marshal, inspector or deputy allow entrance. By beginning the cleanup process as quickly as possible, future mold and mildew problems can often be alleviated.
2. Look for Water
An average fire hose can supply up to 24 gallons of water a minute when fighting a fire. That means that in 30 minutes, the hose is shooting out enough water to fill an average swimming pool with about 18 inches of water. Along with fire damage, water pressure often breaks windows, tears through doors, and enters ceiling holes. Water may find its way into unexpected places such as inside electronics, under wooden floors, and inside walls. Looking for water damage in hidden places can save time and money.
3. Create Air Flow
After removing as many of the porous items from the water as possible, and once the professional team has removed the majority of the liquid, create a method of air circulation and ventilation. Your fire restoration team may offer industrial blowers, dehumidifiers and air moving fans, but if they do not, it is still important to get the air moving to remove excess moisture from the building. This can help prevent mold and mildew, warping floors, and bulging walls.
Fire damage often includes hundreds of gallons of water. Knowing what the possible scenario is in the aftermath of a fire can help you be prepared for the unexpected. Too much water can be a bad thing, especially when it is on the floor of your commercial property.
Troubleshooting Commercial Irrigation Sprinklers
A broken sprinkler head could cost you thousands in your Wentzville, MO commercial building
Broken sprinklers in a commercial irrigation system are a consistent problem in Wentzville,MO. All systems should be checked for irrigation problems and repaired regularly; otherwise, flooding and property damage can be caused by faulty devices.
Find the Problems
The whole irrigated area should be inspected for bad plumbing. After determining the location of the system’s sprinklers, look for the following:
- Sprinklers that spray incorrectly. Straight up, sideways, or just a trickle – you’ll likely know an abnormal spray when you see it.
- Heads that don’t pop up when the water comes on. These may spray or they may not.
- Puddles. If water is pooling on the property, it is likely that too much water is getting to that spot.
- Visually damaged heads. They can be cracked or even broken off completely.
Sprinkler heads are always at the mercy of the weather, animals and even vehicles. When they are not installed at the right depth, they can sit up higher than they were designed to and become especially vulnerable. Luckily, they are often cheap and can be replaced easily.
Replace Broken or Damaged Pieces
Probably the hardest work involved in replacing a sprinkler head in an irrigation system is making sure to purchase the correct one, which isn’t hard if you take an old one to the hardware store with you. Beyond that, it’s super-simple:
- Dig up the old head. Don’t get your biggest shovel and put all your weight into it. There are other parts that can break down there.
- Twist off the old one. This will detach it from the riser below.
- Twist on the new one. This will attach it to the riser below.
It’s really that easy. Remember that you will be working in a muddy hole, and cleanup may be needed before the new sprinkler head can twist on.
An irrigation system can do great things, but it can also cause property damage. Keeping a close eye on your system is a worthwhile task and usually not very complicated. Regular inspections and inexpensive repairs can often help avoid the need for water damage repair.