4 Important Things To Know About Commercial Storm Insurance Coverage
Shop suffers storm damage.
Four Things To Understand About Your Storm Policy
What should commercial owners in Gunbarrel, CO, expect when filing a claim for storm insurance? This documentation is a safeguard when significant trouble occurs, and owners require financial assistance to fix the premises and tend to work again.
1. Coverage Kicks in After You Pay the Deductible
Before an agent authorizes insurance coverage payment, proprietors must pay a deductible. This fee is listed in your policy. Sometimes, it even varies depending on what caused the concern. A hurricane may have a different price from hail or thunderstorms. Check to determine your upfront costs.
2. Water Damage Payments Depend on the Moisture's Source
Storm insurance isn't flood insurance. A policy may exclude water intrusion from bodies of water. If saturation happens from a collapsed roof, broken window or busted pipeline, you may receive funds. A thorough investigation of the fluid's origin is necessary to receive this financial aid.
3. Property Loss Compensation Is Usually Part of the Plan
If a roof collapses or water invades the space, inventory, furniture and documents are possibly harmed. Insurance coverage includes a property loss clause, offering financial reparation for these items.
Some things like electronics may be salvageable but require specialized content cleaning services. Funds are available for this treatment.
4. Remediation and Restoration Are Allowed
Before crews put a place back together, a water and mold restoration company should assess for fungal or bacterial hazards. This step is essential to avoid future complications; thus, it's important to both the agent and commercial owner. Coverage usually allows for it. Using this evaluation, a team should focus on remediating current damage before rebuilding.
Protect your assets and property with a storm insurance policy. Weather systems are unpredictable, and they could leave commercial owners facing mountains of bills to get back to work. Coverage could be a financial lifeline to reopening.
What Is Mold Contamination?
Corner meets up with mold.
After you have discovered mold in your home in Lafayette, CO, you may have heard about the danger of mold contamination. This type of cross-contamination is important to consider, and there are some things you can do to protect your home and belongings from possible mold exposure.
What is Cross-Contamination?
Mold is a type of fungi that is found everywhere, both inside and outside. However, when mold begins to form in a colony within your home, it can cause a lot of problems. Here are a few potential signs of mold in your home:
- Warped walls
- Damaged furniture
- Fuzzy spots or discoloration
- A damp or musty smell
Mold contamination is when other items and areas of your home are affected by the mold. Because mold can be spread so easily, it's possible that mold spores are transferred to other objects. Especially if mold is in an air conditioning system, spores can spread to other places of the home.
How Do You Deal With Contamination?
The first thing you should do when mold is discovered is to consult the professional remediation services you work with. They'll help you know what may be contaminated and what to do. They will also remove the mold as quickly as possible to prevent further contamination.
Depending on how severe a mold problem is, you may want to completely remove carpet or other furniture. Otherwise, areas in your home can be deep cleaned to eliminate the spores. Objects, clothes, and furniture can also be cleaned.
How Do You Prevent Contamination?
Exposure to mold can be reduced. To begin with, try to eliminate moisture in areas prone to mold. Mold spores thrive in wet, humid areas. Along with this, control and regulate the temperature to prevent growth.
Mold contamination is never fun, but you can do what you can to prevent it from occurring. The best thing you can do to protect your home is to get help from mold inspection services.
Your Louisville Home Can Be Restored To Pre-Damage Condition After A Flood
SERVPRO can assist you in your emergency and leave your home “Like it never even happened.”
Your Home In Louisville Is Vulnerable To Flood Damage
Flood damage is not unheard of in Colorado, even if it is not the most top-of-mind natural disaster in the region. In 2013 the damage was significant, and homeowners should prepare to handle this threat should the need arise. Protecting your home from a flood involves more than securing shelter and supplies; it also entails preparing for the restoration process. Identifying a professional team to help you overcome the devastation caused to your home is the first step towards returning your home to normal.
Expert knowledge of water damage and restoration is essential when there is flood damage to your home in Louisville, CO. SERVPRO technicians are IICRC-certified to handle the toughest situations, even when large geographic areas are affected. Our expertise and knowledge allow us to make effective decisions to mitigate your losses, which is vital when timeliness is of the essence.
When you look at the damage caused to your home, you may wonder how our SERVPRO team will be able to restore it. Our truck mounted pumps are especially helpful in extracting a large volume of water, as are submersible pumps. At the same time, we are removing water; we are also disposing of contaminated materials such as upholstery and carpets which have been contaminated by bacteria and organisms carried by floodwater. Rest assured that our team is well-versed in the regulatory concerns surrounding the disposal of these materials, so you don't need to worry about it.
Disinfection is as essential as drying your property. Not all disinfecting solutions are the same, and a one-size-fits-all approach is not an industry best practice. Our SERVPRO crew is formally trained on the different cleaning solutions available in the industry, and their application and this knowledge help us optimize the cleaning process.
Flooding is not trivial, but SERVPRO of Lafayette / Louisville is ready to help. Our (303) 604-6607 is answered 24/7 to assist you in your emergency and leave your home “Like it never even happened.”
3 Tips for Keeping Your Building Secure After a Fire
The best way to deter and keep looters out is to make your building look secure.
Tips To Help Keep Your Building Secure
If your building in Gooding, CO, has suffered from fire damage, one of your top concerns might be looting. While you wait for professional fire cleanup services to restore things to normal, here are some tips to help keep your building secure.
1. Board Up Windows and Openings
This is an obvious first step, but it's also an important one. The best way to deter and keep looters out is to make your building look secure. If it looks like it's worth more than their trouble, or if breaking in would create a racket, most looters are sure to avoid the building. To accomplish this, start by boarding up any openings or windows. Use 5/8 or 3/4 inch plywood to ensure that a blunt object can't be used to smash through the wood. Use screws instead of nails for a better grip, and ensure that they go into the support by at least 2 inches.
2. Notify Local Law Enforcement
Another great deterrent for criminals is, of course, the city's police force. If you have serious concerns that your building might be looted, contact your local law enforcement. Usually, they monitor sites like these affected by fire damage and arrest anyone seen trespassing. You might want to provide your contact information and the info of someone else you trust. This way, if something happens, you are able to be notified right away.
3. Light the Area
A lot of research in cities has shown that streetlights help deter crime by as much as 36% in one city. The same principle is applicable to your property and building. Simply setting up a few floodlights helps to deter looters, even if there is no one around. Even better, though, if there are surrounding buildings and people, lighting increases the chances that someone sees the looting in progress.
Fire damage is a hassle by itself, so don't let the threat of looters worry you, too.
Complete These Steps After a Storm
Mold growth on a wall due to water damage.
Steps To Take After A Storm
As the rain came down, the waters rose in Lafayette, CO, pushing the overflow into your establishment. Now, you have drenched baseboards, leaking ceilings, and so many questions. Where do you begin the tear out? How much loss have you really incurred? It's a crazy time, for sure. Over the next few weeks or months, focus on fixing the chaos, getting your place back up and running. As you work with specialists and insurance, here are a few things to keep in mind.
Look for Common Issues
Water damage can impact multiple areas of the building, developing expensive and time-consuming complications. Act swiftly and safely, working with field experts. You'll need to have a water and mold restoration company inspect the premises for any of the following problems:
- Inventory loss
- Bacterial hazards
- Mold growth
- Roof leaks
- Electrical danger
- Structural trouble
- Plumbing issues
If working with insurance, file a claim and have the restoration company work with the agency to determine the time frame and payment. In addition, your remediation team should test the premises, evaluating the need for clean-up and repair. They may take air samples as well as pieces of the walls and ceiling, looking for microbial infestations. Furthermore, during this time, staff members decide which wet, porous items bear high contamination, requiring tear-out procedures. This often impacts carpeting, upholstery, and building materials. Then, they'll begin drying, sanitizing and salvaging whatever else they can.
Once the rooms are aired out, preventing unnecessary mold development, the storm restoration employees finish wiping everything down and replace anything that was lost. New flooring is often installed as well as patching and replacing drywall. A fresh coat of paint is probably needed, and the area is put back together.
In the midst of a disaster, you can see a future. You may lose something now from the tear-out, but you'll get something new in return. Eliminate contamination, scrub the sections and get back to work.
4 Benefits of Emergency Board Up Services
Fire damaged walls in Valmont, CO.
Four Benefits Of Using These Services
If your home has been damaged by a fire, board up services may be necessary to help protect your property.
1. Your Insurance May Require It
Most insurance policies require homeowners to mitigate their damages. This means that failing to take steps to prevent additional damage from occurring to the property after fire damage may result in your insurance company refusing to cover those damages. Emergency board up services may be required to prevent some types of additional damage.
2. Reduces Additional Damage
If a fire or efforts to put out a fire result in holes in your roof or walls, those holes can lead to additional damage from wind, rain, animals or break-ins. Board up services can prevent wind and rain from entering your property and make it more difficult for animals and people to gain entry while you are waiting for fire restoration in Valmont, CO, to be completed.
3. Helps Prevent Theft and Vandalism
Damaged homes often have electronics, appliances, plumbing and other fixtures that can be attractive to thieves who may target these homes because they know no one is likely to be inside. Holes in roofs or walls can make it easier for vandals or thieves to gain entry to a damaged home. Boarding up these openings helps prevent vandalism and theft.
4. Reduces Liability Risk
Damaged homes can be unsafe for people to enter. Failing to take steps to secure a damaged home may expose the homeowner to liability if someone were to enter the home and become injured. Boarding up openings makes it more difficult for children or trespassers to enter the home.
Using a board up service helps protect your home from additional damage and reduces the chance of unauthorized entry into your home. Talk to your insurance professional if you believe your damaged home could benefit from this service.
3 Ways To Avoid Mold After a Flood
Mold growth on flooring
Reduce The Risk Of Mold Growth
Flooding can severely damage structures in Ninemile Corner, CO, and mold may continue to cause problems even after an immediate response to water damage. It is important to take these three timely measures to mitigate water damage and manage risk factors for mold growth.
1. Extract Standing Water
One of the most decisive factors for a mold infestation is the presence of standing water or residual moisture in the days after a structure floods. Extracting water with pumps, a mop or a wet vac is the first step toward preventing surfaces from staying saturated long enough for mold to start multiplying, which can occur in as little as two to three days.
2. Tear Out Ruined Building Materials
Some building materials are more prone to support mold growth than others. Drywall and carpet both contain the plant fiber cellulose, which serves as a food source for mold. When moisture remains present for 48 hours or longer, mold may start to form on or in these materials. Most storm damage restoration experts recommend tearing out and replacing porous materials.
3. Disinfect and Dry the Affected Area
Once any materials exposed to flooding that cannot be thoroughly disinfected have been torn out, all remaining surfaces and contents should be disinfected. Drying the area as quickly as possible makes an environment less conducive for microbes such as bacteria and mold. Air movers and fans can increase circulation, and a dehumidifier can maintain relative humidity levels between 30% and 50% to discourage fungus growth.
Extracting water as soon as possible after a flood and proceeding to remove ruined materials, clean and disinfect the portion of a structure exposed to water damage and maintain low indoor humidity levels reduces the risk of mold growth. Restoration professionals can recommend further measures to ensure that mold does not pose a problem at a commercial property in Ninemile Corner, CO.
Avoid Lingering Odors from Flooding
Flood damage in Louisville, CO.
When a business in Louisville, CO, experiences water issues, the problem isn’t just the wetness. Even after the issue seems to have been resolved, lingering odors mean there is likely mold growth happening. If the cause was flood water, there are likely other contaminants that could be left behind if not properly cleaned. Whether it’s a little or a lot of water, a water and mold remediation expert can ensure your property is thoroughly dried, cleaned and sanitized.
Residual Effects of Water Damage
A severe storm, pipe burst, sewage loss or roof leak are just a few potential causes of water damage. No matter what the source is, getting it repaired as quickly as possible is essential to preventing further problems. If the damage continues to spread, it can easily turn into more than just a moisture problem. Along with having to throw away damaged belongings, structural and long-term problems can begin to form.
- Mold growth can begin to happen with 48 hours. If the situation isn’t revolved, mold spores will begin to spread to unaffected areas.
- Drywall and ceilings can begin to sag and lose integrity.
- Electrical components can begin to corrode, creating potential safety hazards.
- Saturated insulation can increase mold growth, as well as loses its ability to resist heat.
- Wood floors can easily become warped, as well as be breeding grounds for mold.
Advanced Tools Eradicate Lingering Effects
In most of the above, mold is a key issue. Instead of hoping for the best or replacing items, which can get expensive, a restoration company can restore many things that are considered unsalvageable, repair affected areas, eradicate mold and deodorize to ensure those lingering effects aren’t able to linger. Depending on the type of damage, there are various cleaning methods to eliminate mold growth and odors, all of which use the latest technology to get your business back to new.
While dealing with water damage may seem like a hassle, leaving it unchecked will make it a much bigger problem. Getting the right help can help make it “Like it never even happened.”
What To Do With Flooded Carpeting
Water damage on carpet floor
After a pipe break or other water damage event in your Erie, CO, home, there will be much to deal with. Soaked carpets are a major issue and can lead to mold growth if not addressed properly.
Composition of Carpeted Floors
If you decide to keep some or all of the flooring that has been affected by a flood, it is important to make sure the entire floor is fully clean and dry. The following are the three main components of a carpeted floor:
The subfloor is simply the flooring over which the carpeting is installed. The subfloor is often plywood, but can be concrete. The padding is the soft, foamy layer between the carpeting and the subfloor.
Drying Carpeted Floors
Simply drying the carpet is not enough to ensure mold growth and other issues won’t occur. A professional restoration service may be helpful in more severe cases, but in some situations, you can dry the area yourself. If the floodwater is clean, such as from a pipe break, you can keep the carpeting and the padding. If the water is contaminated, you will need to discard the padding and sanitize or replace the carpeting.
To ensure the whole floor is dry, pull up the layer of carpeting and check on the padding. If the padding has been wet for more than a day, it is a good idea to replace it as it may already be harboring mold. Otherwise, try using a wet/dry vacuum to suck up the moisture. If you can’t get the padding fully dry, replace it. If the subfloor is also wet, the wet/dry vacuum may be able to extract much of the moisture. You can dry out the remaining moisture by running a dehumidifier or fan in the area. The carpeting itself can dry in the sunshine or with the help of a wet/dry vacuum.
Dealing with carpet after a pipe break or other water damage event can be tricky. Remember to act quickly to prevent mold growth and make sure everything is clean and dry before completing the restoration process.
The Benefits of Owning a SERVPRO Franchise
Consider a SERVPRO franchise to make your dream come true.
Benefits Of Joining SERVPRO's Family
Have you ever dreamed of owning a business in Niwot, CO, but don't know where to begin? A SERVPRO franchise could be right for you.
Owning one of our franchises ensures you can be successful and avoid some of the pitfalls of starting a business from scratch. Among the reasons our franchisees give for wanting to be a SERVPRO owner are:
- It costs less than creating a new business
- Success is quickly achievable
- Prior business experience is not a requirement
Since its founding in 1967, SERVPRO has been setting standards for disaster cleanup and helping individuals and businesses rebuild after fires, floods, and a wide range of natural and human-created disasters leading to biohazardous contamination.
Every SERVPRO certified franchise adheres to the highest standards set by The Centers for Disease Controls, The Environmental Protection Agency and The National Sanitation Foundation. Our state-of-the-art methods, immediate response, and wide support network are responsible for the numerous awards and recognitions we continue to receive.
Although SERVPRO franchises are locally owned and operated, they can rely on SERVPRO's corporate team to train, advise and stand by them to ensure that their businesses grow and remain profitable. SERVPRO also encourages communication and support among franchise owners to ensure its service quality and promote its company culture.
Stringent Vendor Qualifications
Careful vetting by the SERVPRO Research Center ensures that every franchise has access to vendors who offer value pricing for services that correspond to SERVPRO's exacting standards. Selecting industry leaders whose services and supplies cover many geographic territories ensures consistency, accountability, and the highest level of customer satisfaction for which our franchises are known.
If you are looking for an opportunity to own a business in Niwot, CO, but want the resources of a corporation with national reach, consider a SERVPRO franchise to make your dream come true.