Understanding Your Business Insurance Policy: Storms and Floods
Flood in a Arlington, TN bedroom
How And Why Is Flood Damage Different?
While a flood is a costly and devastating experience for a business owner, it is not always covered under their general commercial policy. It is typically understood that flood insurance is separate from commercial property insurance. However, there is not always an understanding as to the reasons why, especially when a typical policy covers some level of storm damage. How and why is flood damage different?
The flooding that is covered by most policies without an additional rider is overflow from drains caused by excessive rainwater. Additionally, you may experience leaks due to wind-damaged roofs which should also be covered under most commercial policies.
Flood damage caused by actual floods and not storms typically refers to overflowing rivers, creeks, lakes, dams and other water courses. While these floods can occur naturally, they are not considered storm damage, likely because floods do not happen everywhere, making universal coverage difficult and unfair.
3. Storm Floods
Flooding caused by storms is an interesting overlap that likely requires clarification from your insurance provider. While a storm may lead to an overflowing river, it still may not be covered by your policy because of where the problem originates.
While your insurer will provide the most significant insight into potential coverage, a disaster restoration specialist in the Arlington, TN, area can also give some insight into preventative measures. Additionally, these companies can help you develop an emergency action plan to protect and restore your business after a disaster.
Flood damage is a tricky topic when talking about insurance coverage. The most common misconception is that insurance companies don’t offer universal coverage because of greed, but the reality is that not enough consumers live in flood zones to make premiums fair. Storms are experienced by every business and person, making general coverage acceptable, but floods will likely always require special coverage and riders.
How To Stop Moisture From Invading Your Business
Excess moisture from water entering the facility due to flooding
When a storm rages outside of your commercial property in Memphis, TN , you assume the inside will stay dry. However, rain damage is a primary reason for business interruption. What problems occur when moisture gets in? How do you prevent water damage during a storm?
As a business owner, you frequently think about your inventory, employees and profit margin. Moisture is probably not high on your list of worries, until it happens to you. Depending on how much water has infiltrated the building and how quickly rain damage is mitigated by storm restoration professionals, the impact can range from minor to severe:
- Damaged contents such as inventory, electronics or furniture
- Water-logged flooring, walls and ceilings
- Black mold resulting from unmitigated standing water, especially in porous surfaces
- Structural failure that decreases the life expectancy of the property
The best way to prevent storm damage is to perform regular building maintenance year-round. Focus on your building envelope, which includes exterior components such as roofing, doors and windows, wall systems and foundation. When designed correctly, these parts work together to form a watertight seal that protects the interior from the elements. Upkeep these areas on a consistent basis to keep moisture at bay:
- Have the roof inspected at regular intervals and after severe weather events.
- Slope landscaping and gutters away from the base of the building.
- Properly seal and frequently inspect doors, windows and venting for leaks.
- Ensure that your property has functioning drainage systems.
- Utilize overhangs to divert rain water away from the structure.
A severe storm in Memphis, TN , has the potential to cause significant problems to the structure and contents of your commercial property. Design and maintain the building envelope to prevent moisture from invading your business. If rain damage should occur, secondary damage such as black mold is oftentimes preventable by immediate, professional storm mitigation services.
How a Lightning Strike Can Affect your Home
A lighting fire can be just as damaging as any other kind
If you live in Bartlett, TN, you may be wondering if it’s possible for a lighting fire to strike your home. While this force of nature may seem alarming, the odds of having your home struck is roughly 1 in 200.
Facts to Know About Lighting
Understanding this force of nature can help you know the risks to your home.
- Most strikes occur outdoors in open areas
- A strike always takes the path of least resistance to the ground
- A lightning rod can provide a straight path and help protect your home
- Only 18 percent of strike related fires were house fires
- Most strike related fires start in the attic or around electrical wiring
• A strike may result in power surges
What to Do if Your Home is Struck
If your home is hit during a storm it’s best to call the fire department regardless of if you see a lighting fire. Tell them your home was hit by lightning so they can send someone to inspect it and look for any signs of damage or possible fire. They will tell you if the house is safe. Afterwards you can call your insurance and have a licensed electrician look over the building’s wiring.
What Should be Done if a Fire Occurs
In the event your home is struck resulting in a house fire, it’s important to get everyone out as quickly and safely as possible and call the fire department. Once the fire is out you should contact your insurance company and any fire damage restoration services they may recommend. These professionals can conduct any clean up and repairs that may be needed, and the cost is usually covered under most homeowner's insurance policies.
A lighting fire can be just as damaging as any other kind. Fortunately, precautions like a lightning rod may help. If your home is hit it’s important to call the fire department for an assessment regardless of if you have an obvious fire. Afterwards you can make any repairs necessary to the home.
3 Tips for Identifying Mold
Mold in a Memphis, TN basement
How To Identify Mold?
If you’re looking at doing a mold inspection for your Memphis, TN, home then odds are you have something in your home you want to identify. A mold remediation specialist can take a look at any trouble areas and let you know if you have mold, and what your best course of action may be. Here are a few things they may look at during this process.
1. The Color
Mold can have a variety of colors depending on spore type. Molds that thrive outdoors may be orange or red in color. Indoor molds tend to vary between whites, grays, lighter green, and brown. Black mold tends to be darker greens, grays and black as indicated by the name. While certain species of molds tend to have specific colors, it can be difficult to tell which is which by color alone.
2. The Shape
During the mold inspection the shape and appearance of the potential mold growth may give some indication as to if and what type of mold is present. Mold generally has more depth to it than mildew, and may look fuzzy or gritty depending on type. Molds thriving in wet conditions can look slimy as well.
3. The Growth Pattern
In many cases the growth pattern can be an indication of if you’re looking at house mold or mildew. Mold spreads quickly and often grows into the material where it has settled. Mildew had a slower growth rate and can be wiped off the surface in question. If it’s determined that mold is present, it’s best to begin the removal process as quickly as possible to prevent further infestation.
Using these traits, the professional conducting your mold inspection can determine if you have a mold problem in your home, and what type it is. If you do have mold then you can begin the mold removal process, and take any steps you may need to prevent future problems.
3 Things To Know About Mold Removal
Take care of any mold related problems as soon as are discovered
Mold can cause a number of problems from structural damage to allergies. This is why it’s important to take care of any mold issues as soon as you become aware of the problem. When looking at mold removal for your Memphis, TN, home there are a few things you may want to know.
What Your Insurance Covers
When it comes to mold, the specifics of each individual policy may vary. However, the following are usually covered.
- Mold growth after emergency efforts in fire suppression, such as a sprinkler system or water from a fire hose
- Mold growth after an accidental pipe break
- Mold growth after storm damage
- Mold growth after flooding, if you have flood insurance in your policy
Insurance will not usually cover damages or remediation costs if the mold growth is due to neglect on the part of the homeowner. So, it is best to take care of any mold related problems as soon as they are discovered.
What A Remediation Professional May Do
In some cases, it may be best to hire a mold remediation service to thoroughly remove any spores from your home. During the mold removal process these professionals can look for any spreading, and take the steps necessary to help prevent future problems. They may also be able to repair damaged areas.
What the Costs Could Be
A mold inspection usually costs between $200 and $600. When it comes to mold remediation costs can vary depending on the mold type, and area of infestation. Small cases can cost as much as $500 dollars while large infestations resulting in structural damage could cost up to $30,000. Black mold removal may have extra costs depending on the methods used.
Having your mold removal process started as soon as you find the problem can not only save you money but may help when it comes time to file your insurance claim. It’s recommended to have a professional handle the removal process as they have the tools and knowledge to do the job thoroughly. If possible, it’s also recommended to take any steps you can to prevent future problems.
How Water Damage Can Affect Your Home
Water damage in a Cordova, TN home
If your Cordova, TN , home has experienced flooding you may be wondering what types of damage you may be facing. With the potential to cause problems with everything from swelling wood to possible mold growth, here are some things you may want to know how water damage can affect your home.
Possible Ways You Home Can be Damaged
Water damage can be caused in a number of ways.
- A broken supply line can lead to flooding in your yard and home
- Storm damage can lead to a leaky roof
- Pipes can freeze and break in cold weather
- Sewer backup can lead to flooding
Long Term Damages
If left unattended water can lead to long term damage which can cause problems for your home, and even lead to the denial of an insurance claim. Sitting water can lead to swelling wood in the floors or walls which can cause structural warping. Standing water also provides a prime habitat for mold growth. In basement areas water can seep into the foundation leading to potential cracking. These problems can be prevented by cleaning up flooding as quickly as possible.
What You Can Do
The first step is to get any flooding cleaned up quickly, and start the water pipe repair process. One the water is gone and any breaks or leaks fixed, you can begin to asses the damage. A water damage restoration service may be able to help you with this step. When looking over the damaged areas be sure to check for mold or rot so that the appropriate steps can be taken during the repairs.
Water damages can lead to swelling wood, foundation cracks, and even mold growth if left unchecked. This is why it’s important to quickly conduct any repairs necessary whenever you have problems with water in your home. If desired, a professional can help with the cleanup and restoration process.
Apartment Fires: Responsibility Versus Ownership
Fire damage in Memphis, TN
Apartment Fires: Responsibility Versus Ownership
An apartment fire can create many victims, leaving not only property owners but tenants scavenging for salvageable items and wondering how they are going to rectify the situation. Fire damage for residential owners is straightforward, but when it comes to investment properties and renters, it can get confusing. Who is responsible for what?
The property owner is likely responsible for the structure, meaning that tenants do not need to worry about rebuilding their dwellings. Unfortunately, restoration work can take a while which means that renters are responsible for finding another place to live.
2. Electrical and Plumbing
An apartment fire can cause significant damage to the electrical and plumbing systems, which again is the responsibility of the owner and not the tenants. As the owner of the property, both the structure and the habitability of that structure are your responsibility. However, this may be challenged if it is found that the fire was intentional or due to renter negligence.
3. Personal Property
The property owner is not responsible for a tenant’s personal belongings. Most renters will have or should have renter’s insurance which should cover personal property loss. These policies will either cover the cost to replace the items or the true value of the items.
Again, as the property is the responsibility of the owner, the restoration expense is also their responsibility. Their insurance policy should cover the cost to hire a disaster restoration specialist in the Memphis, TN, area. However, this does depend on whether the fire was caused by accident, neglect or criminal intent.
While it is often difficult to understand who should pay for what after an apartment fire, it primarily comes down to ownership; the property owner or landlord is responsible for the building, and the renter is responsible for their personal property. However, all of this depends on the cause of the fire and whether it is deemed criminal or accidental.
3 Common Causes of Water Damage in Commercial Buildings
The structural integrity of your building in Cordova, TN, is important for the safety and well-being of everyone who enters it. Issues such as leaking pipes or a damaged foundation, however, can compromise the structure. When you have your building inspected, it’s important to be on the lookout for signs of the three major causes of water damage to commercial buildings.
1. Damaged Pipes
Pipes can get damaged by extreme temperature changes. Sometimes, pipes just get old and wear out. Pinhole leaks happen when bad water corrodes copper pipes from the inside. No matter what damages your pipes, they must be repaired quickly before the problem results in a complete pipe break.
2. Undetected Leaks
Water stains on the ceiling or walls that bow out are telltale signs of leaking pipes. Once you see the signs of a leak, quite a bit of damage may have already happened. An undetected leak can cause thousands of dollars in damage that can only be repaired by water restoration experts. The sooner you call for help, the less damage the unwanted gush is likely to cause.
3. Exterior Cracks
To prevent water damage, it is just as important to maintain the outside of your building as it is to keep a watch on the inside. Gaps in your siding, cracks in your foundation or leaks around your windows can let water into your building the next time it rains. If a leak happens on the roof, the problem may result in significant mold growth before you ever know it exists. Foundation problems not only have the potential to affect your water pipes but also your sewer lines, resulting in toilet backup and other unpleasant issues. Keeping your building in good condition both inside and outside is essential to circumventing possible water issues.
Exterior problems, cracks and leaking pipes are serious issues that must be dealt with in a timely manner. Defend your building’s structure with regular inspection and maintenance.
How To Get Rid Of Mold In Your Kitchen
You can often find mold damage such as fungus and mildew in your home or office kitchen. This is due to the fact that a lot of moisture can be found in this location. Some examples of kitchen moisture include running water from faucets and steam from tea kettles. The kitchen is also where the food is located, so this is yet another reason why you can often see mold in home and commercial mold damage in the residential or office kitchen.
If the humidity levels in your kitchen remain high, then mold may begin to grow. Some causes of kitchen humidity include liquids that don't get wiped up immediately, steam from a kettle and the steam that comes from cooking meals and cleaning your dishes.
Provide ventilation in your kitchen by opening doors and windows. Quickly clean up any liquid that you spill in the kitchen. Use exhaust fans to decrease your kitchen's humidity. If the mold damage in your kitchen gets to be too much for you to handle, then call on the services of a mold removal company that will provide remediation and deodorization services. The deodorization services will get rid of the smelly odor that often shows up when there is fungus and mildew in your kitchen. To rein in the mold problem, call the mold mitigation specialists as soon as you know that you have a problem.
Mold On Kitchen Dishes
If you don't wash your dishes every single day, you'll see fungus and mildew grow on them. When you stack dishes on top of each other, they don't get a chance to dry out. If they have enough time, mold will then take this opportunity to grow on your dishes. To best prevent mold from growing on your dishes, wash them immediately after use. If you do find mold on your bowls and plates, wash them as you normally would.
Do you have mold growing in the break room sink?
Some people find mold in home or commercial mold damage in their home or office kitchen sink. This happens if there are leftover food particles stored in the sink or some type of grease left over from meals. Scrub away the mold using water from the faucet. At this time, you should clean the whole sink so that the mold doesn't return.
Mold in home or commercial mold damage can also be found under the home or office sink. This can happen if there is a leaky pipe or some condensation on the pipe. To rid yourself of this type of mold, call the services of a local mold removal company. The mold removal technicians can do remediation services and do some deodorization. The deodorization can get rid of the smelly odor that you might smell in the kitchen. Your mold damage technicians will also teach you mitigation techniques that will equip you to fight any future fungus and mildew that may show up in your kitchen.
When you have a history of mold in home and commercial mold damage, it's important to always have mold remediation and mitigation services close at hand. You never know when you'll deal with a smelly odor from mold damage. Whether you have a smelly odor from mold or are dealing with fungus and mildew, calling in the expertise of your local mold remediation and mitigation technicians should take care of the problem before it gets any bigger.
Mold In The Sink Drain
If you find mold in your kitchen sink drain, perform mold removal by taking out the drain gate. Next, you will want to scrub in the drain. If you can't reach the mold from the top of the sink, go under and unscrew the pipe to get at the mold.
If your office or home sink has a garbage disposal, run it and clean it every day. This action alone can do a lot to prevent fungus, mildew, and other mold damage from returning to the sink drain.
Visit http://www.SERVPRObartlettcordova.comfor more information on mold damage.