Does My Commercial Insurance Policy Cover Floods and Hurricanes?
Damage from flooding is different from hurricane damage. In many cases, the damage caused by hurricanes results from storm surges and rising water.
Is Flooding And Hurricanes Covered By My Commercial Insurance Policy?
Business owners in Hillsboro Beach, FL, might think their commercial insurance covers damage from hurricanes and floods. In many cases, though, you need to purchase separate coverage. Here are a few types of damage for which you may need separate storm insurance.
This type of insurance coverage is currently a mandatory deductible in 19 states and the District of Columbia. It is a percentage deductible based on the value of your property. The cost of this coverage varies depending on your provider and where your property is located in relation to the coastline.
Hurricane insurance typically covers your building or structure and its contents for cleanup and storm damage restoration, including:
- Electronic equipment
Check your policy to see if passenger vehicles and machinery are included. Often, you need a separate policy to cover these items.
Wind and Hail Damage
Insurance coverage for hail and wind damage is included in standard property insurance for most of the country. In coastal areas, business owners may need to purchase separate storm insurance for these types of perils. Wind and hail damage may be covered under a hurricane policy.
Damage from flooding is different from hurricane damage. In many cases, the damage caused by hurricanes results from storm surge and rising water. When damage results from water on the ground, it is considered flood damage.
You can purchase flood insurance through the National Flood Insurance Program, or NFIP. The program is managed by FEMA and offers insurance in participating communities through a network of companies.
If your business is in a high-risk flood area and has a mortgage through a government-backed lender, you must have flood insurance coverage.
It's best to review your policy from time to time to ensure you have the right storm insurance for the types of perils that can happen to your Hillsboro Beach, FL, business.
The Importance of SERVPRO's Always Available Rapid Response Teams
Whether the problem stems from water, fire or mold, SERVPRO’s fast response makes them a preferred vendor for most insurance agencies.
SERVPRO's Always-On Rapid Response Teams Are Critical
When any business suffers a structural disaster, the speed with which a team of fix-it professionals can begin making repairs is critical. An ability to handle the problem with haste is important to reducing damage. Therefore, having a 24 hour, round-the-clock restoration team available is a huge advantage. Here are some things worth knowing about SERVPRO’s rapid response abilities.
Elements of SERVPRO’s Speediness
Because they are designed with timeliness in mind, you should expect:
- Emergency calls to receive a response within an hour
- Fast site arrivals, a benefit of their more than 1,700 North American locations
- Inspections completed within 4 hours
Briefings delivered within 8 hours
Whether the problem stems from water, fire or mold, SERVPRO’s fast response makes them a preferred vendor for most insurance agencies. Being always open means repairs can begin even in the middle of the night. That’s the power of SERVPRO’s 24 hour service.
Importance of SERVPRO’s Speediness
Imagine an office in Boca Raton, FL, experiences a broken pipe or natural flooding. The longer it takes to clean up, the greater the level of destruction. Within minutes, water can seep into drywall, carpeting and filing cabinets. Additionally, computers and other electronic equipment are likely to be ruined.
Within a day, additional issues may surface. Metal can begin to tarnish. Cubicle walls may become compromised and need to be thrown away. A distracting, unpleasant smell could start to develop.
Between two days and a week after the incident, mold may start growing. Wood floors might begin warping. Contaminated water will have probably spread, posing a health risk to employees. The cost of building rehabilitation will have grown exponentially.
Water damage is just one scenario where the passage of time compounds problems. The same level of increased trouble occurs when delaying action under other scenarios.
Having a 24 hour team available to react to the most common types of office disasters is a true advantage. When calamity strikes at any hour, contact SERVPRO for prompt service.
What Could A Water Leak Be Costing You?
If you notice signs of a water leak, it is important you call our SERVPRO team as quickly as possible, it can quickly grow into big mold damage.
How Much Could A Water Leak Cost You?
While some leaks are very obvious and easy to discover, smaller leaks are often left undetected. Even when you're aware that there might be a problem, leaks behind walls, or in the ceilings or floors can be difficult to find. There are many ways a water leak in your building in Pompano Beach, FL, could be costing you money.
1. On Your Water Bill
The most obvious and direct way a water leak can cost you money is on your water bill. A slow dripping leak can waste between seven to ten gallons of water per day. Severe leaks can waste closer to ninety gallons per day. This all adds up on your water bill. By not addressing small leaks, you are wasting money. Take the time to fix leaks as you discover them. The cost of the repair will likely be less than the amount of money wasted by allowing it to continue to leak.
2. In Equipment Repairs or Upgrades
Leaks left unaddressed could lead to the need for pipe repairs and plumbing upgrades sooner than you would have needed them. A small leak can lead to a pipe break if allowed to go on long enough.
3. In Damages
Broken or leaky pipes can lead to damage to the structure of your building. Pipes are generally hidden behind walls or under floors. When a leak goes undetected, this allows time for the water to seep into the building materials. Water-soaked floors and walls can be susceptible to mold, often requiring extensive cleanup and repairs or rebuilding. Water damage specialists can help you recover from large leaks that cause major damage.
In the age of bills being automatically paid or deducted from bank accounts, it is still a good idea to review monthly charges for utility bills. A sudden spike in your water bill could be a clue that you have a water leak hidden somewhere. Consult a plumber to help locate the source of the leak and fix it as soon as possible to avoid wasting more money.
3 Essential Tips on How To Manage Mold Damage Emergencies
Mold damage was found in Deerfield Beach, FL.
Three Emergency Tips for Mitigating Fungus Reproduction
What do you do when you find black mold? In those startling and confusing first few minutes, homeowners should gather composure and realize that it's not the first house to have this issue. What matters is seeking immediate help and reducing the amount of growth.
1. Cut Off the Water Flow
Before you can move into mold cleanup, residents must gain control of the situation. Spores thrive on moisture and organic matter. The easiest of these to grapple with is the first. Shut down the water source contributing to the reproduction. Start with the room's valve system. If that isn't effective, cut off the main water supply. Then, work with a water remediation company in Deerfield Beach, FL to locate the origin. Fix that trouble immediately.
2. Stop the Air Flow
While you may not want to shut the air conditioner down, it is vital in slowing the organisms down. Black mold spores hitch a ride through the air and on clothing. The air supply is extremely harmful in that microbes could easily move from one side of the house to the other, making remediation very complicated as it doubles the space requiring attention. Turn it off until the restoration company feels it's safe to put it back on.
3. Inspect and Dry
Have the restoration crew assess the moisture problem and lay out a plan for how to dry the space. This step further reduces the effort to clean and rebuild. Employees should tear out anything they feel is contaminated, especially ceiling tiles, flooring, and drywall. Then, run industrial dehumidifiers around the clock to pull out the excess humidity.
A prompt reaction is necessary to fight off the development of black mold. Work to eliminate the factors that assist reproduction. Then, get rid of anything polluted and damaged. With that accomplished, the team can turn to get your home back to normal.
Common Fire Hazards in Deerfield Beach Homes
Many materials found in homes burn quickly, fostering the fire to leave a great deal of damage behind it.
Common Fire Risks in Deerfield Beach Residences
If you have never experienced a house fire in your Deerfield Beach, FL home, you may feel as though the chances of a fire actually occurring are slim. According to the NFPA, every year over 358,000 house fires happen. Compared to the number of residential homes in Florida alone, that number can seem small. However, that number can easily increase, making it important to remain vigilant and take preventative measures. There are many fire hazards commonly found in a home, though here are the top five:
50% of fires in 2019 began in the kitchen. This is due to the number of heating appliances found as well as the number of accidents that occur. Leaving a flammable item by a hot stove or accidentally causing a grease fire are both accidental culprits. Overloading a cooking appliance or reaching unsafe temperatures are also sources of fires.
Cooking also happens outside of the kitchen, especially in the Florida summer. Taking safety measures while grilling is a must. Keeping the grill clean and well maintained as well as far away from your home, decorations, or any overhangs can keep fires at bay.
Lighting a candle to set the mood for a party, dinner date, or even a relaxing bath always seems like a great idea. Leaving the candle unattended once it is lit for long periods of time is absolutely not a great idea. Most candles are not made so that their flames are contained; any nearby fabric, paper, or other fuel source can attract the candle’s flame. Candles are also easily knocked over, especially when someone is not paying attention. If candles must be lit, keep them far from any flammable item and make everyone in the area aware of it as well.
3. Faulty Wiring
Equipment malfunction, blown circuits, broken or faulty wiring can all be fire hazards. Often, no other source of fuel is needed for an electrical fire, meaning they may happen quickly and without much effort. It is important to replace any broken wires or no longer use them, making sure they are unplugged. Refraining from overloading a circuit or outlet is recommended as well.
Dishwashers, stoves, HVACs, dryers or washing machines can all be at the center of a house fire. All of these appliances have systems that cause them to heat up, either purposely like when cooking or just from everyday use. They also all have mechanical and electrical systems that can need replacement over time.
Routine cleaning of dryers and washing machines is highly recommended as failure to clean them can lead to fires. Removing all lint from the dryer after each use and checking all vents should be a part of a preventative routine.
Smoking, whether a cigarette, cigar, or now e-cigs, is known to be a fire hazard for homes. There have been cases in which residents have fallen asleep while smoking or left a lit cigarette unattended. It is best to do all of your smoking outside when possible as well as completely turn out each cigarette or cigar before leaving the area.
While the cause of a house fire in Deerfield Beach can differ from case to case, these are a few commonly known hazards. In any situation, it is best to use common sense, be aware and properly use any items that can be potentially flammable.
Dealing With Soot and Smoke Damage After a Fire
If your home experiences fire damage, you need help immediately to mitigate the damage. SERVPRO of Deerfield Beach is available 24/7 for you.
After A Fire, How Do You Deal With Soot And Smoke Damage?
If your home in Coconut Creek, FL, has sustained, the restoration process isn’t always cut and dry. Even if it is a small fire, smoke damage that isn’t properly addressed may seem like it never goes away. Understanding the effects of smoke and ensuring proper cleanup are essential in restoring your home back to “Like it Never Even Happened.”
Common Types of Damage
It’s important to know that not all smoke and soot damage is the same. Some types are easier to clean, while others can smear or permeate the porous materials in a home. There are four common types of damage:
Dry Smoke: Fast-burning, high-temperature fires produce this kind of smoke. It is usually a powdery texture that is easier to clean than other residues left behind. This type can find its way into hidden areas, leaving a long-lasting odor behind.
Protein Residue: Most associated with kitchen fires, it tends to be easily missed. Although it may not leave visible streaks behind, it has a strong odor and discolors surfaces.
Fuel or Oil Residue: This type is not often associated with a home fire, but it can happen if a furnace experiences a puffback. This residue is dense and hard to clean.
Wet Smoke: If the fire was smoldering at low heat, the damage left behind is considered wet smoke. It is also associated with burning rubber or plastic. It is especially odorous and leaves behind sticky, black smoke damage that smears if not properly cleaned.
While the damage left behind can feel overwhelming, there are professionals available to help that are trained on all forms and techniques of smoke cleaning. A fire damage and restoration specialist can focus on cleaning and restoring as much of your belongings as possible via an array of industrial techniques. From ozone machines to eliminate hidden odors to numerous methods of soot removal, the damage can be eliminated the right way.
Smoke damage is one of the many negatives of experiencing a fire. Having a better understanding of what you are facing and finding the right help makes it easier to deal with the cleanup process.
Water Damage Categories and What They Mean
When your Deerfield Beach home experiences flooding or leak, there is no time to waste.
Water Damage Categories
Though water is translucent in color, it is very possible for it to be labeled either gray or black but not be either in color. When referring to water as gray or black, the reference is to the category of water damage.
There are three water damage categories: Clean, Gray, and Black. The source of the water is what dictates the classification. This classification aids in the restoration process as clean-up crews are aware of any physical or environmental risk of the water damage. Clean-up crews are also privy to the extent of restoration and cleaning that is necessary.
1. Clean Water
Clean water sources are seen as sanitary and include: water lines, faucets, and rainwater. Though this water is deemed clean, it is not safe for drinking nor is it recommended to deliberately stand it. Clean water or category 1 water, should be removed quickly as it can still lead to damage to items in the affected area or building materials. Category 1 water can also accumulate bacteria when left stagnant, turning it into a category.
2. Gray Water
Gray water, also called category 2, comes from sources that contain traces of contaminants but is not immediately dangerous. This includes water from dishwashers or toilets. Coming into contact with this water can pose health risks if proper equipment is not used when cleaning up this water and associated damage.
3. Black Water
Black water is the most dangerous water with serious implications for health and structural damage if not safely approached. Sources from black water, also known as category 3 contain highly toxic contaminants. These sources range from sewers, rivers, or stagnant water.
The different categories of water provide further insight into how to handle each water damage situation and the level of caution to take. All categories have very serious consequences to your Deerfield Beach, FL home and its contents if water damage restoration does not occur quickly.
3 Tips for Cleaning Your Store Inventory After a Flood
Ceiling damaged after a storm in Lighthouse Point, FL.
3 Tips for Cleaning Your Store Inventory After a Flood
When violent storms in Lighthouse Point, FL, affect your business and cause flooding, your inventory could suffer such serious damage that you may not know where to begin with cleanup efforts. Knowing which items might be salvaged for content cleaning and which must be thrown away can be a confusing process, but there are a few tips you can keep in mind as you sort through your items.
1. Porous Items Are Not Usually Salvageable
When floods occur during a storm, the water source is likely either runoff from overflowing nearby rivers or creeks or from backed-up sewage drains that are heavily taxed by torrential rain. In either case, the water is likely contaminated with chemicals and human and animal waste and is known as black water because of its source. As such, you may not be able to salvage porous items because of the danger of contamination, including:
- Many plastics
If you are unsure about any item you wish to salvage, you can ask your local flood restoration service whether it is porous and may retain contaminated floodwater.
2. Make a List of Salvaged Items
As you clean up after a flood, you may want to track your salvaged items and keep a list of those you want to save. While paper items are porous, a storm damage and flood restoration service may be able to help you rescue important documents by freezing and decontaminating them. This type of content cleaning may help you avoid losing customer data, employee records and other vital information.
3. Set Aside Electronic Devices
Your store's electronic items such as cash registers, credit card machines, and computers may suffer considerably during flooding. However, depending on the degree of water damage, you may be able to salvage and repair them to lower any insurance claim deductibles. Avoid throwing away any electronics until you speak to a professional content cleaning service.
When major storms strike Lighthouse Point, FL, they can cause flooding that may affect your business. Keeping the above tips in mind as you begin the cleanup process may help you feel more confident about the outcome.
5 Places to Check for Mold Growth at Your Business
If you notice discoloration on ceiling tiles, that indicates a leak which means that there is a prime environment for mold growth.
5 Places To Look For Mold At Work
Business owners live with this nagging concern in the back of their heads: is there mold growth in the building? Because mold remediation can be costly, a diligent business owner in Deerfield Beach, FL, knows the likely places—bathrooms, basements, kitchens, and storage rooms—and keeps them clean and dry. But there are a number of other sneaky places where mold can grow. For true mold prevention, here are five to keep an eye on.
1. Ceiling Tiles
If you notice discoloration on ceiling tiles, that indicates a leak which means that there is a prime environment for mold growth. Roof leaks, HVAC systems, and other mechanical systems that are prone to leaking or condensation make it more likely for your ceiling tiles to experience water damage.
Spills, drips, and floods can cause mold to grow on and under carpet. It's important to clean up water from carpet as quickly as possible to avoid damage. This includes proper drying and ventilation. When in doubt, contact a water damage restoration professional for help.
3. Electrical Equipment
Gaps around outlets and cables that allow moist air to flow in and out can cause mold. One mold prevention tip for these areas is to caulk around outlets and cable boxes.
During summer months when the air conditioning is running all day, moisture can build up inside and outside the ductwork of your HVAC system. If this happens, you'll ultimately be blowing mold into every room of your business. One prevention strategy is to be careful of where the temperature is set. Another is to replace ducts that have linings built in which tend to accumulate more debris and, therefore, mold.
Stacks of paper that are stored in even slightly damp environments can grow mold fairly quickly. If your office keeps a lot of paper on hand, be sure that it is stored in an area that is dry and well ventilated.
Mold prevention is an important aspect of running a safe business. Keep an eye on sneaky places where mold can grow in order to avoid costly remediation.
5 Questions and Answers About Flooded Drywall
When drywall, or plasterboard, gets very wet, or when it is wet for a long time, it loses structural integrity.
Flooded Drywall Questions and Answers
After flooding has receded, you may need to complete some reconstruction in your home. Take a look at some common questions about removing drywall.
1. What Is a Flood Cut?
When your home has been damaged by flood waters, the water restoration professionals in Lighthouse Point, FL, will cut out the wall at least 12 inches above where flood damage stopped. This is called a flood cut.
2. What Happens When Drywall Gets Wet?
When drywall, or plasterboard, gets very wet, or when it is wet for a long time, it loses structural integrity. When this happens, the wall becomes soft and weak. Additionally, the area could see mold growth and become discolored or smelly.
3. Is It Necessary To Tear Out Wet Wallboard?
A speedy response may save the wall. However, if the drywall has obviously absorbed moisture, or if it is soft, stained, obviously wet, or smelly, it must be removed and replaced. This job can expose you to hazards. Instead of taking personal risks, contact a local water damage specialist.
4. What Are the Main Concerns With Flooded Walls?
Flooding carries a high risk of contamination. Flood waters may carry infectious diseases, chemicals, and other pollutants. These can lead to problems for your family if those contaminants are allowed to remain in your home after soaking into the plasterboard.
5. Should Drywall Be Recycled or Destroyed?
Some plasterboard can be recycled if it consists of gypsum powder and paper (as well as some additives). Unfortunately, most of the drywall pulled out ends up in landfills. Some water restoration professionals will haul the materials off for you. If not, reach out to an appropriate source for recycling.
Flooding leads to many concerns, but contaminated drywall shouldn't be a serious problem. Don't wait for further trouble before you take action. Instead, contact water reconstruction professionals in Lighthouse Point, FL, to put your home back in shape.