What Is Business Interruption Insurance?
Business interruption insurance is a way to be prepared and have peace of mind if the worst happens
What Is Business Interruption Insurance?
If a fire or other unexpected event affects your Adams Shore, MA, business, the loss means much more than finding the right fire and water damage restoration professional to make the right repairs. Depending on the extent of the loss, it could result in a significant business interruption that comes with potential income loss and other extra expenses. Business interruption insurance is a way to be prepared and have peace of mind if the worst happens.
Any downtime can greatly affect a business’s bottom line. If severe property damage happens, closing the doors may be necessary. Unfortunately, bills, payroll and other expenses need to be paid. With added insurance, you can feel some relief. Costs typically covered included:
- Revenue typically made if open
- Mortgage, rent or lease payments
- Regular loan payments and taxes
- Temporary relocation costs
There are some items that won’t be covered. If damage was caused by natural flooding, that would be handled through additional flood insurance. Any undocumented income also won’t be covered. Since utilities are usually turned off during repairs, they are often not covered either.
The cost of insurance varies. Factors that determine the price include the industry of the business, number of employees and amount of coverage. Location may also be a factor if located in an area prone to natural disasters.
In most cases, interruption insurance is only provided during an established fire restoration timeline. This is determined by the time needed to make repairs, rebuild and replace items that were unsalvageable. Working with a trusted mitigation and restoration specialist can help make the repair process go more smoothly and quickly. They will conduct a thorough inspection and assessment, as well as work with your insurer to minimize loss.
An unexpected event can happen at any time. Instead of risking your business going under from a major loss, stay protected with interruption insurance.
3 Ways to Prevent Winter Flood Damage
Thaw frozen pipes right away
Prevent A Frozen Pipe At Your Commercial Facility
When managing a commercial property in Montclair, MA, it is essential to take winterizing precautions seriously to prevent winter flood damage. Flooding induced by weather-related causes doesn't always mean rain flooding. Instead, frigid winter temperatures can lead to a burst pipe. When water molecules reach freezing temperatures, they have the ability to expand. The pressure from the expansion may build-up so much that it leads to a cracked pipeline. Use the following three tips to prevent a frozen pipe at your commercial facility this winter.
1. Examine Susceptible Pipelines Regularly
When cold weather hits, some of your water lines will be more likely to freeze than others. By routinely inspecting these susceptible areas of your facility, you may be able to detect early signs of freeze damage before a commercial flood damage repair company needs to get involved. Regularly check-out the pipes in these frequent freeze zones of your commercial building:
- Outdoor water lines
- Pipes in unheated areas of your facility
- Piping along non-insulated exterior walls
2. Make Simple Preparations
If you know the plumbing at your facility will be exposed to harsh cold this winter, try adding insulation to exterior walls or small unheated spaces. Additionally, train employees on cold prevention measures. This might include keeping garage doors closed and leaving the thermostat at 55 degrees, or warmer, even after everyone has left for the day.
3. Thaw Frozen Pipes Right Away
If you suspect that one of your pipes has frozen, there are careful steps to follow to thaw it out while preventing a burst pipe. Apply heat directly to the pipe in the form of a space heater, a hot-water towel, or hair drier. Never heat the pipe in a manner that would cause it to crack, or burst, such as a blow torch or other open flame. Keep the water line turned on. As water begins to trickle back through the line gradually, you will know that you are successfully melting the standing water inside.
With the proper prevention techniques, you can avoid severe weather plumbing issues in your commercial facility. If damage occurs, never neglect caring for a burst pipe caused by winter freezing.
3 Alternatives to Sandbags for Flood Control
Here are Three Alternatives to Sandbags
While sandbags are inexpensive and easy to obtain, they're also heavy, largely ineffective, and downright disgusting after the flooding ends. Once the water at your commercial property subsides, sandbags stay wet and become long-term bacteria hotels. Case in point: for disposal, a sand bag is considered a hazardous material. When you're ready to stem the tide of storm damage with a cleaner, safer, and more effective option, here are three alternatives to sandbags.
1. PVC Flood Diversion Tubes
These plastic tubes work in much the same way that sandbags do. They act as an obstacle for water to prevent flood damage. They're available in an assortment of lengths to suit different areas of your commercial property and can be positioned in endless configurations. These barriers can also be filled and weighted with a variety of substances including, ironically, water.
2. Portable Flood Fences
These movable barriers are an excellent way to stop water and avoid tedious and potentially costly storm cleanup. Each portable flood fence, while heavy, is generally no more difficult to move and position than a sand bag. The one catch here is that, in order for portable flood fences to be most effective, they should be arranged before flooding or an extreme storm begins. With a little foresight and allowing ample time for set-up, however, they can be an extremely successful line of storm damage defense.
3. Water-Filled Dams
While it may seem counterintuitive to stop the flow of water with more water, these plastic dam bags are an easy-to-use alternative to sandbags. Simply position these flood dams where you want them and hook up a hose. Because they're quick to fill, these water-filled barriers can come in especially handy when an unexpected storm hits. When not in use, they're easy to store, as well.
The next time the water rises, remember that you don't have to settle for a sand bag. You don't have to handle flood cleanup on your own, either. Enlist the help of a storm damage restoration company in Merrymount, MA, to get your commercial property back on its feet quickly.
A Storm Damage Mitigation Checklist
Roof inspection in a Quincy Center, MA home
A moderate to severe storm can cause considerable damage to a household located in Quincy Center, MA. Here are several storm tips for reducing the severity of damage to the exterior and interior of a residence after a storm.
Check the Roof
The roof of a residence is an obvious target for storms. High winds, precipitation and temperature variations can cause any of the following damage:
- Hail damage
- Loose or missing shingles
- Loose flashing
- Missing fascia
If signs of roof damage are evident from the ground, contact a roofing company. If a major storm has recently damaged many surrounding homes, you may want to arrange for mitigation. Tarping over storm damage can prevent moisture from working its way down through roofing materials.
When a storm creates holes in a building envelope on the roof, by damaging siding or by breaking windows or doors, it is necessary to cover up openings. Sealing up a building can keep out debris, moisture and pests. One of the best storm tips involves using sheets of plywood or specialized storm windows to protect the most vulnerable parts of a home.
If water has begun to leak through the roof and ceilings or from any other source, homeowners should try to contain water. Saturated indoor contents will necessitate content restoration. Water from a roof leak tends to be contaminated Category Two gray water.
Standing water in a residence should be extracted as soon as possible and drying should be promoted. Contaminated water from leaks or floods contains everything necessary to support mold growth in a structure and requires disinfection.
Determine whether damage cleanup and restoration is necessary by checking the integrity of the roof and following storm tips for other parts of a structure after a storm in Quincy Center, MA. Timely mitigation is imperative for leaks or other signs of damage.
Your Plumbing Maintenance Inspection Checklist
Inspect your water heater for any leaks, corrosion or damage as well
Perform Maintenance Inspection In The Following Areas
The best way to prevent unnecessary plumbing problems in your commercial building is to perform regular maintenance inspections. Identifying and resolving an issue while it's still small is significantly easier, and less expensive, than waiting until the problem snowballs out of your control. Make sure you check these common problem areas next time you perform a maintenance inspection for your building in Quincy, MA.
1. Your Water Heater
Wildly fluctuating water temperature can signal an issue with your water heater. Inspect the device for any leaks, corrosion or damage as well. Lastly, make sure to test the safety valves and overflows.
2. Your Water Pressure
Low water pressure is often a sign that there's a leaking or broken pipe somewhere in your building. Naturally, water that escapes through these leaks won't make it to the faucet or valve that it's supposed to exit from. Ideally, your building's water pressure should remain between 40 and 80psi.
3. Your Walls, Ceilings and Foundation
Look for bulges, warping, stains and other signs of damage in your building's structure. These deformities are a result of water gathering inside your building and can indicate severe plumbing problems.
4. Your Drains
Test the flow rate for all of the drains in your building. A slower flow rate usually means that the drain is clogged or that the pipes themselves are damaged. If this is the case, use a power rod to attempt to break apart the obstruction.
5. Your Water Pipes
Any exposed pipes in your building should be inspected regularly for signs of damage or leaks. You also need to make sure you inspect your water main for signs of corrosion or damage. Keep an eye on your monthly water bill for spikes, as these can indicate that a leak is present somewhere in the building.
Remaining vigilant and staying on top of plumbing problems while they're still small can help protect your commercial building from suffering unnecessary damage. Make sure to contact water remediation experts if your building has suffered some type of flood or storm damage.
5 Tips to Help Prevent Residential Water Damage
Clean standing water inmediately
Steps To Protect Your Home From Water Damage
Standing or overflowing water in home can cause plenty of major issues if not properly resolved. Because water damage can cause so many subsequent problems, your best course of action is to prevent the damage from occurring in the first place. Follow the tips below to help protect your home in Merrymount, MA, from water damage.
1. Inspect Appliances Regularly.
Minor leaks can often go unnoticed for long periods of time, resulting in massive amounts of water damage. Checking household appliances, such as washing machines and dishwashers, can help prevent unwanted gray water flooding.
2. Maintain Appropriate Water Pressure.
The pipes and hoses in your house can break if the water pressure is too high. Maintaining an appropriate level of water pressure can help prevent you from having to deal with unnecessary pipe cleanup.
3. Check for Leaks and Broken Pipes.
Much like household appliances, leaky pipes can often fly under the radar for long periods of time. Take the time to regularly inspect exposed pipes in the basement and underneath the sinks for leaks. A broken pipe can result in a lot of unnecessary water damage.
4. Clean Standing Water Immediately.
No matter the cause of the water in a home, it's vital that you mop it up as soon as you can. Water can seep into carpeting, floorboards, and other materials, causing hazardous secondary damage.
5. Unclog Your Gutters.
Your gutters are designed to catch water that runs off the roof and safely divert it away from your house. Falling debris, such as branches and leaves, can clog these gutters, which hinders their ability to perform their duties. When the gutters are clogged, rainwater and snowmelt can either pool on your roof, or drip down the side of your property and seep into the foundation.
There are several easy methods that can help you prevent water in a home from causing unnecessary damage. If you suspect that you might have water damage, you need to contact water remediation experts as soon as you can to help prevent subsequent problems.
3 Steps To Restore Your Fire-Damaged Business
Commercial fire in North Quincy, MA
Steps To Restore Your Business From Fire Damage
Experiencing a fire in your North Quincy, MA, business can be devastating. In many instances, there is water damage in conjunction with fire damage due to firefighting efforts. Returning back to your business and surveying the results can be shocking; however, there are three basic steps you can take to restore your business.
1. Get Professional Help
Regardless of the size of the fire, it’s best to contact a fire restoration company. Your business will have likely suffered damage from both fire and water; thus, you’ll need help to remove water and the inescapable effects of fire. Restoration specialists first perform an inspection so that they can understand the amount and type of damage caused by the fire.
2. Follow the Water Restoration Process
A fire hose can put out hundreds of gallons of water per minute, so there is often a lot of moisture that needs to be removed. After inspection, technicians work quickly to remove water using submersible pumps and wet/dry vacuums. During the extraction process, a moisture detector is used to measure the humidity in the air. Infrared cameras can also be used to check for water that is hidden behind walls or ceilings. Once the collected water is gone, powerful dehumidifiers and air movers completely dry the building.
3. Follow the Fire Restoration Process
Fire damage restoration is the third step. Fire is pervasive and it takes special equipment to completely remove smoke and soot from walls, ceilings and additional surfaces. After the smoke and soot are gone from the structure of the building, restoration specialists work on cleaning restorable items. Air scrubbers and fogging equipment can be used to remove strong odors. The final step in fire restoration is making repairs. Replacing drywall, paint and carpet is generally needed, and reconstruction may be necessary in certain areas of the building.
It’s possible to get your business back to pre-fire condition with the help of professionals. Fire damage will look “Like it never even happened.”
What Happens During Mold Remediation?
Mold remediation in Marina Bay, MA
There are Six Steps In the Mold Cleanup Process
You will always find mold spores in your home. However, if you have water damage or high humidity levels, you may have severe mildew issues places you can’t easily find. A licensed mold remediation company in Marina Bay, MA, will safely remove contaminants such as black mold from your house.
1. Damage Assessment
Mold often grows under wallpaper, drywall and carpet, because it feeds on organic material such as fabric and wood. The restoration company will want to determine the size and severity of the contamination. They have tools and techniques to find hidden mold and moisture.
2. Area Containment
The company will cover windows, doors and other openings with plastic sheeting to keep the mold from spreading throughout your home. They may also use negative air pressure, which uses fans to vent the contaminated air outside.
3. Air Filtration
Companies use special air filters, like HEPA filters, that capture spores from black mold and other mildew types to keep the rest of your home clean during the mold cleanup process.
4. Mold and Material Removal
The next step is taking out all the materials that are infested and can’t be restored. They’ll tear out water-saturated wood paneling, flooring and carpeting that can’t be thoroughly dried. The team will apply biocides and fungicides to kill any mold colonies that remain.
5. Item Cleaning and Disinfection
The team will wash, sanitize and dry all the nonporous surfaces and household items that can be repaired, such as window coverings, clothing and furniture. They may bring in fans or dehumidifiers to speed up the drying time.
6. Area Repairs and Restoration
Lastly, the remediation company will replace any drywall, subfloors or carpet they had to remove. Depending on how severe the mold damage was, they may have to make more extensive repairs.
Discovering your home has a serious issue like water damage or black mold feels overwhelming. However, a trusted mold remediation company can make the process go smoother.
Tips for Cleaning Belongings Affected by Water in Commercial Buildings
Electronics can be restored professionally after a commercial water loss if caught in a time for fast drying
Content Cleaning Commercial Buildings
If you have to deal with a flooded company building, you likely have a lot of worries racing through your head. Which commercial restoration team in Quincy, IL, should you work with? How long does the repair process take? Can your business stay open? How can you dry out the various belongings that got waterlogged during the flood? Finding a reputable cleaning company can make answering these questions much easier. Use this quick guide to learn a bit about content cleaning commercial belongings.
• Furniture: If you have couches, chairs or other upholstered furniture, you need to get them completely dry before you can start the cleaning process. You may want to use a foaming cleaner on this type of item. Some upholsteries may require dry cleaning.
• Electronics: Not all electronics will be salvageable after a flood. Your first step should be to let the item dry out completely. Next, you should take it to a professional before turning it on. This expert will be able to ensure all of the water and grime is out of the system before adding power.
• Flooring: Depending on the type of flooring you have in your flooded company, you may need to replace all of the flooring. Some tiles, concretes or other hard floors may be saved after getting dried out and cleaned.
• Files: Paper is a hard thing to clean after a broken pipe fills your space with lots of water. The paper may disintegrate. If salvageable, you can dry the paper out. It will likely have some water damage.
• Art: Water can cause paintings and other art to get stained. Some art restoration professionals can help get your piece back to its former glory.
Content cleaning requires flexibility and a wide range of equipment. When you discover a flooded company building, you need to be ready to take on water removal, foam cleaning, dry cleaning, and other methods of content cleaning.
3 Types of Fire Extinguishers
Learn the different types of fire extinguishers and how to use them
Three Common Sizes Of Fire Extinguishers
Few things offer more protection for your home than a fire extinguisher. If you own a home in Hough's Neck, MA, make sure you have the right kind of extinguisher in the right places. Different classifications are used to differentiate which types of fires the canisters are made for. Before choosing a fire suppression unit, make sure you know what your needs are. Here are 3 common sizes and what they are used for.
Garages and workshops often contain flammable materials that could lead to a fire getting out of control quickly. These larger canisters are a good choice when dealing with larger areas. Since garages and workshops often have a variety of materials that could catch on fire, a fire extinguisher that is labeled A:B:C will offer the best protection. The multiple designations means it is effective against ordinary combustibles, live electricity, and flammable liquids.
If you are protecting a confined area such as a laundry room or a kitchen, you need an extinguisher that you can grab quickly. Kitchen and laundry fires are often contained in a specific area to start with, so a 5-pound canister should work well. Keep the unit where you can access it easily, without having to move other items to get to it. Using a rechargeable model with a hose will help ensure it is always ready should a home fire break out.
Fire preparedness for the kitchen should include a stove-top canister that can be mounted over the stove. These units are designed to burst open if they encounter heat from open flames.
If you use your fire extinguisher to put out a fire, you should still call your local fire department to verify the fire is completely out. If you have sustained fire damage, call a professional fire remediation company to restore your home to its previous condition.