Why Your Business Needs Flood Insurance
Even the most prepared business owners may be hit by a flood.
Floods are one of the most commonly declared natural disasters, but many Raleigh, NC, business owners are not prepared for the damage a flood can do to their establishment. Even just a few inches of water can damage walls, inventory and equipment. Most natural disasters are covered under commercial insurance policies, but flooding typically is not. Nobody wants to find themselves in water up to their knees and then come to find out they don’t have flood insurance.
What Is Considered a Flood
When water affects at least two properties or 2 acres of land, it is usually considered a flood. Flooding is water that inundates an area, whether it be from snow melt, heavy rain, dam breakage, overflowing rivers or other water-related issues.
How To Know If You Need Insurance
If your business is on a lower level, you are definitely at a higher risk for flooding. Knowing if you reside in or near a flood zone will also help you assess your risk of flooding.
What Is Not Covered
There are some losses a business can experience that insurance for floods will not cover:
? Income loss due to business not being fully operable
? Company vehicles
? Septic systems
How Soon Coverage Starts
There is usually a 30-day waiting period from the time you purchase coverage until the coverage goes into effect.
How Much Coverage Is Available
Commercial flood insurance can protect your business whether it be large or small. Most commercial policies provide up to $500,000 for inside contents and $500,000 for the building. Here are the most common items covered:
Your insurance company will work with flood remediation professionals to clean items, repair water damage and assess which belongings are a total loss.
What If More Coverage Is Needed
If your property is valued above the national limits, you can get additional coverage by purchasing an excess flood policy.
Even the most prepared business owners may be hit by a flood. Knowing that your business is covered with flood insurance can provide piece of mind should such a disaster happen. For more information, visit http://www.SERVPROeastraleighzebulon.com/.
What Goes Into a Fire Damage Estimate?
A qualified company will include deodorization in your fire damage estimate and will have the tools and chemicals necessary to remove smoke odor.
After a fire on your commercial property, one of the first steps is having an insurance adjustor out to evaluate the damage and determine what you can claim on your insurance. You may also have a commercial fire professional from Raleigh, NC, out to determine exactly what you can salvage, and how. But what exactly does a fire damage estimate entail?
Evaluating What Can Be Saved, and How
While an insurance estimator is determining how much you can be reimbursed for your losses, a fire damage estimator’s job is to:
• Provide immediate emergency response to prevent secondary damage through mitigation
• Fully assess the extent of the damage and give an accurate picture of remediation efforts
• Determine what can be cleaned and restored
• Determine what should be torn out/destroyed and rebuilt/replaced from scratch
• Provide a cost breakdown for cleaning and teardown services
• Deliver an approximate timeline for completion
Will My Insurance Cover the Cost of Fire Damage Restoration?
The amount of a fire damage estimate may not match with the amount of an insurance claim, but only the fire damage professional and insurance adjustor can provide accurate information on that depending on the extent of the damage to the property. The claim may fully or partially cover the cost of fire remediation. Unless you intend to pursue further claims with your insurance company, anything not paid by the claim would come out of pocket.
Does Cleanup Include Deodorization?
If you’re working with a qualified company, yes. Smoke odor can permeate items with a lasting stench, often associated by yellowed smoke stains. If the odor is strong enough, it can last years and create an unpleasant effect on anyone in the vicinity of the smoke-damaged, contaminated items. A reputable, qualified company will include deodorization in your fire damage estimate, and will have the tools and chemicals necessary to remove smoke odor from even the most porous items without damaging them. For more information, visit http://www.SERVPROeastraleighzebulon.com/.
How Can I Detect Mold in My Home?
Specialists can educate you on what causes mold to flourish, and how to prevent another outbreak by pinpointing the source of your infestation.
Mold can be like cockroaches; if you see even one patch it can mean a larger infestation throughout your walls or through other areas of your home. Just getting rid of that one patch may not be enough, but how can you tell if you have even more mold throughout your Raleigh, NC, home?
Find an Indoor Environmental Specialist
If you’ve never heard of indoor environmental specialists, they’re certified professionals who can:
• Test for air quality
• Test for and identify mold infestations
• Identify the type of mold and its effects
• Pinpoint the location of hard-to-find mold outbreaks
• Recommend safety and remediation activities
When an indoor environmental specialist conducts a mold test, they’re often able to pick up sensitive information that wouldn’t otherwise be detectable by the naked eye or with over-the-counter mold tests.
Can an Indoor Environmental Specialist Get Rid of My Mold For Me?
Sometimes, though you can never truly be free of mold when the spores are constantly active in the air around you. You can only minimize and control its presence. Some indoor environmental specialists are certified for mold remediation, while others may refer you to additional professionals to devise and launch an effective remediation plan to rescue your home from mold. Either will be able to tell you the first steps to take to prepare your home for mold remediation.
Can an Indoor Environmental Specialist Help Me Prevent Mold?
Absolutely. Specialists can educate you on what causes mold to flourish, and how to prevent another outbreak by pinpointing the source of your infestation. Usually the cause is water leaks and water damage, providing the fuel mold needs to thrive on organic matter. A remediation and environmental specialist can talk to you about removing these sorts of problems from your home, and steps to take to prevent excess moisture in your environment from contaminating your home with fresh mold. For more information, visit http://www.SERVPROeastraleighzebulon.com/.
Kitchen Fires: Smart Cooking Is the Best Deterrent
Better safe than sorry is more than a cliché. When it comes to avoiding kitchen fires, it’s one of the best tips ever.
Whether you cook to survive or the kitchen is the heart of your home, it’s the most likely room for home fires to start. By following a few basic tips, you can easily prevent kitchen fires and avoid the heartbreak of fire damage to your beloved appliances and keepsakes.
Avoid a Disaster While in the Kitchen
Many people know the best way to extinguish a grease fire is by smothering it or using a fire extinguisher — never use water, which makes these fires spread and intensify. However, the best way to prevent any kitchen fires from starting in Raleigh, NC, is smart cooking:
1. Wearing flowing clothes like kaftans and robes with gull-wing sleeves while cooking may sound like fun. However, those styles increase the chance of the cook catching fire when the loose material hits a hot burner or oven element.
2. Grease buildup on stove surfaces, under burners and in the interior of the oven easily catches fire, so keep those areas clean.
3. Never walking away from a stove while broiling, grilling or frying is one of the best tips to avoid kitchen fires. The high temperatures required for all those cooking methods make them the most dangerous, and even a few seconds out of the room is enough time for food or grease to ignite.
4. Timers aren’t just for baking. It’s easy to get distracted, so set a timer for 15 or 20 minutes when you leave the room and come back for a minute to occasionally stir the sauce, taste the soup, or just make sure everything is on track.
5. Keep your stovetop and adjacent surfaces free of everything flammable, including curtains, food packaging, bags, potholders and wooden kitchen tools.
6. It’s easy to get caught up in serving, eating and cleaning up when you cook. Before leaving home or retiring for the night, take a minute to double-check that all small appliances, ovens and stovetops are switched off.
Better safe than sorry is more than a cliché. When it comes to avoiding kitchen fires, it’s one of the best tips ever. Contact your local fire department in Raleigh, NC, with questions or concerns about home fire prevention. For more information, visit http://www.SERVPROeastraleighzebulon.com/.
Why Is Black Mold Growing in My Building?
Black mold is one of a variety of mold or fungi that are caused by moisture that doesn’t dry out quickly. It can grow anywhere in a building where there is moisture, high humidity or standing water. Here is what you should know to find problem areas and prevent mold.
Finding Moisture Problems
In commercial buildings in Raleigh, NC, there are multiple areas where a moisture problem can lead to the growth of mold. Some of the most common moisture issues in commercial buildings include the following:
• Water from leaking pipes or roof leaks
• Excessive humidity in areas such as wash rooms, boiler rooms or cafeteria kitchens
• Areas with poor ventilation such as locker rooms
• Ground water that runs into a building’s foundation or basement
• Any spills or drips that aren’t quickly mopped up or dried
• Damp insulation from internal leaks in the walls
• Poor building maintenance
Preventing Mold Growth
Generally, the best way to deal with any moisture problem that could lead to the growth of black mold is to prevent it in the first place. If you suspect a problem, do a thorough inspection of your building, looking for all the problems listed above. Talk to your building maintenance crew about ways to minimize standing water, moisture and high humidity in all areas. These may include improved ventilation systems on air conditioning and heating units, more fans and ventilation in damp areas such as locker rooms and kitchen areas, moisture-resistant insulation, frequent checks of rugs, carpets and ceilings to make sure they aren’t wet from spills or leaks.
The design and layout of a commercial building can also help minimize any problems. Tile, linoleum or other hard floor surfaces are usually better choices than carpeting, which can soak up moisture. Mold can grow underneath a wet carpet quickly. Improved venting and windows that can be opened to allow air to circulate more freely can also help prevent growth of fungi or mold.
Mold is often hard to tackle alone. If you’ve taken all the necessary precautions but still have black mold in your Raleigh, NC, building, be sure to hire an expert in mold cleanup that is familiar with the problem and knows how to eliminate it. For more information, visit http://www.SERVPROeastraleighzebulon.com/.
3 Things To Do When Your Toilet Overflows
Nothing can ruin your day like a flooded toilet. Beyond the ick factor, you usually have to act fast to prevent serious water damage. If you’ve had a major flood in your house thanks to sewer damage in Raleigh, NC, you should call a water restoration specialist ASAP. In the meantime, here are some tips to mitigate the damage.
1. Stop the Water Flow
Any sewage company will likely tell you, in the event of a flooded toilet, step one is shutting off the water source. You can do this by turning off the valve behind the fixture. This may not solve your bathroom woes, but it can help stop the spread of water damage.
2. Clean Up Standing Water
It’s good planning to have gloves, mops, rags, paper towels and other cleaning materials on hand for an emergency. Standing water—the visible water that has flooded—should be absorbed as quickly as possible before it seeps into the flooring.
For a serious flood that affects two floors, you may have to remove the flooring and ceilings. Sewer damage that seeps into the floor can lead to the formation of mold. By removing the wet materials, you’re often able to disinfect and dry everything out to ensure that you don’t get any nasty surprises down the road.
Air out the rooms as best as you can. Open all the windows and bring in any fans you have around the house. Keeping the air moving can help dry out the area and reduce humidity before your water restoration specialist arrives.
Sewer damage from a flooded toilet is never fun, but if you act fast with these simple steps, you can have a better chance at reducing the extent of the damage to your home. Because of the bacteria inherent in toilet water, for any major amount of flooding, be sure to call a professional in Raleigh, NC, to assist in clean up. For more information, visit http://www.SERVPROeastraleighzebulon.com/.
A Flood Cut Is Your First Step to a Dry Home
Powerful stormy weather, such as the recent torrential rainstorms in Raleigh, NC, can wreak havoc on homes causing flooding and related damage. Homeowners can be left to face the tumultuous project of restoring their residences. There are often many factors to consider for a safe and effective clean-up, such as the degree of water penetration throughout the house. Water damage specialists can be a vital resource in combatting the effects of water inside your house. They are usually trained to analyze and determine how much damage your home has sustained and put you on specific path to normalcy.
What Is a Flood Cut?
Once it is determined water has compromised the walls, it may be necessary to perform a flood cut. A flood cut typically follows specific steps:
• Determine and mark the water level throughout the home. This water line may vary based upon the degree of flooding.
• Mark again at least 12 inches above the noted water line mark, which is the flood cut line.
• Slice and remove the dry wall at the flood cut.
For example, if the water level stopped 4 inches from the floor, a flood cut could be created 16 inches from the floor.
Why Is a Flood Cut Helpful?
Once the flood cut is performed, the specialists can tear out any affected materials behind the wall, such as insulation. This is often necessary to alleviate the possible development of mold and mildew. Water damage specialists can remediate mold contamination so residents can be free of concerns.
Flooding within your home may feel invasive. Personal property can be harmed as well as the structure itself. The emotional toil may be overwhelming, as well as the process of restoration. A flood cut can help create a barrier against continued water intrusion. If you experience a problem, work with a professional restoration company to put your home back in order. For more information, visit http://www.SERVPROeastraleighzebulon.com/.
Lawn Slime: An Uninvited Visitor
When it comes to the topic of mold, most residents in Raleigh, NC likely think of greenish-black spots on shower walls or underneath old wallpaper. Just as mold thrives in a wide variety of places, it can also easily spread outdoors, as seen in the infamous lawn slime that plagues yards of all kinds. Keep reading the pointers below to find out what this type of mold is, what its common characteristics are, and how to identify it.
What Is Lawn Slime?
A homeowner unfamiliar with outdoor mold may be shocked to find a dark, sludgy substance across the yard. Like most types of fungi, slime mold grows in a variety of forms and can actually help other parts of the yard break down organic matter. Outdoor slime can take on many different colors, such as pink, blue, or orange, but it is usually dark.
How Long Does It Last?
A common characteristic of mold is that most types depend largely on temperature and moisture. If both of these elements are at the right levels, it may be years before lawn slime fades into the background of your domain. For instance, if your area sees a lot of rain, you can likely expect the slime cleared from patches in your yard, only to see it reappear days later.
Where Can One Spot It?
Aside from the most obvious location of your lawn, outdoor mold can pick favorite areas to spread. While it mainly sticks to lawns, this type of fungus can also affect paved areas, such as sidewalks and driveways. If you see a powdery or slimy substance outside your home, you are probably dealing with some degree of this mold.
When you've discovered a problem that is making your home less homey, small patches of lawn slime can seem magnified. Although it can become a spot for slip and falls when on paved areas, slime in your yard is typically no major cause for alarm. Visit http://www.SERVPROseraleighgarnerzebulon.com for more information on mold.
How Can You Prepare for Flood Damage?
Mother Nature is unpredictable, but even when you can’t prevent or predict flooding, you can still be prepared. Flood damage and storm damage can cause costly and catastrophic losses that many commercial businesses struggle to recover from. With appropriate preparations, you can minimize loss of property, inventory, and livelihood.
1. The First and Best Preparation Is Prevention
If you’re selecting your first commercial location, one of the best things you can do is choose a site that’s both advantageous to your business needs and positioned strategically in a low-flood zone. Historical flood data in Raleigh, NC can tell you which areas are less likely to deal with flooding and runoff.
If you’re already established, though, you can still mitigate damage by ensuring your property is water-tight. Check weather stripping and sealing, and where applicable, use waterproof coatings and paint.
2. Stock Up on Sandbags
When you know bad weather is coming, it helps to have sandbags on hand. Sandbag your doors and windows to create a watertight seal and prevent windows from breaking inward. You can also sandbag your walls if you have enough, particularly if you’re worried about water damage or about walls breaking inward under heavy flooding.
3. Seek High Ground
If you have the ability to move inventory, furniture, and office equipment to a higher floor in the event of a flood, take advantage to keep your investment safe. Migrate anything that isn’t fixed in place. Organize and label everything neatly as needed; you may also need to create a labeled floor diagram to replace things after.
4. Check for Leaks
Although sandbagging will help prevent some water intrusion, check your entire property for leaks. This includes checking your ceiling. Sandbags can’t prevent roof leaks, which can cause major storm damage and make the work of restoration specialists even more difficult. One good way to test if areas are watertight is to check if they’re airtight. You may notice drafts already, but you can also use a can of air to check any seams or jointed areas. Visit http://www.SERVPROseraleighgarnerzebulon.com for more information on commercial storm damage.
How Long Does It Take To Repair Water Damage?
Heavy rains that recently impacted our area caused a storm water intrusion in this home that left the floor covered in water.
Flooding caused by bursting pipes or some other plumbing disaster can affect your Raleigh, nC home on a variety of levels. Water can cause considerable damage to your large appliances, floors and furniture. When a flood occurs, you may be unsure about the extent of the trouble or how long it might take to fix. However, working with flood restoration professionals and your insurance company can help you create a working timetable for necessary repairs.
Where the flood took place can affect how long it takes to make repairs. For example, small or slow leaks in a utility room can be repaired quickly if they come from these sources:
" a leaking water heater
" a washing machine
" a clogged sink
However, bursting pipes in your basement due to a sudden cold snap may take four days or more to repair, especially if the resulting flood waters are more than a few inches deep.
Plumbing Problems May Slow Repairs
Water damage can be slowed or stopped by shutting off the supply lines in your home. However, if you need to call a plumber in to fix a broken pipe, this may extend the repair process by several days, especially if you cannot find someone to come out right away. In the meantime, you can ask your flood restoration experts to remove standing water and begin repairs to your walls and floor if necessary, and contact your insurance agent to begin a claim.
Material Drying Can Affect a Timetable
If your floors and countertops were affected by a flood, the material they are made of can affect how long it may take to repair them. For example, hardwood floors may need to undergo a special drying process to ensure they do not warp or suffer discoloration.
Flooding in your Raleigh, NC can occur for many reasons. However, whether you are dealing with bursting pipes or a leaking appliance, being able to gauge how long it will take for repairs to be completed can help you feel more confident about their outcome. Visit http://www.SERVPROseraleighgarnerzebulon.com for more information on water damage.