How Business Income Coverage Can Help You
Smoke and fire damage on a commercial property in Lemay, MO
A fire in your building in Lemay, MO, can be disheartening enough, but when you think of all the business you could lose because of it, it can be downright overwhelming. Interruption insurance can help you stay on your feet until the fire restoration in your building is complete.
If you have business interruption coverage, you can get the money you need to continue your basic operations so that you don' t have to shut down and risk closing permanently after a fire or natural disaster. A few of the things this policy could cover include:
- Lost revenue
- Projected future income
- Extra expenses
You probably won't be able to operate at full capacity after a fire, but interruption insurance allows you to keep your business open. It generally covers your lost income from the day of the disaster to the day the repairs and restoration are finished.
Your business interruption policy likely bases how much it pays out on the actual income you stand to lose during the restoration period. Unlike static costs covered by property insurance, this income is sometimes hard to quantify. You can fill out a business income worksheet to show anticipated income and expenses. Specifically, you can plan coverage for overhead and facilities, payroll and compensation of employees, and extra expenses. In order to be able to do this well, though, you must keep accurate records. If you have financial records from a few years back, you can identify patterns in your company's revenue and base your calculations on that.
Your commercial insurance package should not only cover the costs to restore the damage of your building and personal property. It should actually take care of your livelihood and that of your employees as well. With interruption insurance, you can recoup lost income and stay in business no matter how long the restoration process takes.
Tips for Storm Preparation With Your Commercial Property
Storm damage on a commercial building in Mehlville, MO
When you manage a commercial property, you must plan ahead for any foreseeable situation. To protect your business in Mehlville, MO, as well as the people who make sure it works, it is imperative to have a storm preparedness plan. These tips can help you formulate a plan so that you are ready for whatever the weather tries to throw at you.
Successful property management entails working closely with the property owner to make sure that you are on the same page. Sit down with the owner and iron out the basic details of storm preparation:
- Emergency contact numbers, such as relief services and storm restoration professionals
- Staff roster and phone directory
- Detailed emergency protocols
- Special task assignment for personnel in charge of handling emergency protocols
- Critical information list and a means of communicating it to tenants
- Insurance policy review
Storm preparedness starts long before the storm hits. Having an action plan that both you and the owner agree upon is a step in the right direction.
Let your staff know what is expected of them in times of emergency. Designate essential personnel who will stay in the building during extreme weather to ensure that it stays operational. You should also have a detailed plan for shutting down operations and outline the specific criteria that lead to that decision. Most importantly, make sure employees know that a mandatory evacuation means everyone must leave immediately. Emergency training should also include information about how they will know it is safe to return to the building.
After the storm has passed, the reporting phase begins. Your insurance company will want detailed information on the damage the building sustained. Walkthroughs should be documented not just in writing but with pictures or video. The building's owner will likely be the one to work directly with the insurance company, but any contribution you can make to the process will probably be appreciated.
Storms are a given in some areas. You can manage the difficulties they bring with a good storm preparedness plan.
Mold Damage Basics and Working With Remediation Experts
Mold Damage Basics and Working With Remediation Experts
Whether it appears in a family home, a business setting, or an industrial property in Oakville, mold damage can be a serious issue. For industrial environments, especially, it is important that mold and any related signs of damp are handled quickly and efficiently.
There is a lot of valuable equipment to protect in industrial settings and significantly more spaces in which mold can develop. Fortunately, at SERVPRO, removal and remediation is as easy as picking up the phone and calling our expert team.
Picking the Right Mold Removal Company
The first step is to find a mold removal company that is trustworthy and has an excellent reputation within the Oakville area. SERVPRO is a great choice, because we are highly regarded and have a lot of experience dealing with mold damage in commercial and industrial environments.
Once we have assessed and inspected the affected site, we will set up a containment area, so that spores can no longer be spread throughout the building. This is something that less reliable companies won’t do, but it’s an essential part of treating and eliminating mold damage in Oakville properties.
Understanding the Basics of Mold Damage
The term ‘mold’ refers to a group of fungi varieties that thrive in damp environments. As these fungi need water to flourish, they only ever become a problem indoors after moisture has infiltrated the building (after a leak or flood, for example). Common causes of mold damage in industrial properties include flooding from surface water, leaks in the roof, and burst pipes.
It can be tricky to spot developing mold in industrial settings, because they tend to be much larger and less regulated than houses and standard businesses. There is an endless number of corner, nooks, and spaces in which spores can take hold. For this reason, owners and supervisors should regularly inspect workspaces for musty odors and visual signs of mold.
Working with Mold Removal Specialists
SERVPRO has access to a wide range of tools and equipment which have been specially designed to eradicate mold damage near Oakville. They include state of the art HEPA Vacuum devices and heavy duty air scrubbers and air movers. It is essential that you do not try to tackle extensive mold damage by yourself, because exposure can be bad for the health.
For more information and advice on mold removal in an industrial setting, get in touch with the experts at SERVPRO of Oakville/Mehlville. We can be on site within hours to carry out a thorough inspection and put a plan in place for the remediation of affected areas. Call us. (314) 846-0600.
To Keep or Not To Keep Your Water-Damaged Carpet
Water damage on an office in Oakville, MO
When dealing with residential water damage in Oakville, MO, no issue can seem as daunting as assessing the damages to patches of carpet affected by water. Whether due to a pipe break or a natural disaster, water damage can become a nuisance to clean. However, depending on the type of water damage incurred, you may be able to rescue much of your flooring with some quick thinking and a careful approach to the issue at hand.
Inspect the Water Source
Though any sitting water can cause problems without proper restoration, some water damage can be easily and safely cleaned. “Clean water” damage can come from a number of sources:
- Overflow from a sink or bathtub
- Broken appliances like dishwashers
- Water supply ruptures and malfunctions
In general, water sources that otherwise provide drinkable water constitute clean water. Such damage usually is easier to restore and proves safe to clean rather than replace.
Begin Work Quickly
Whether dealing with minor or large-scale water damage, working efficiently to repair it is crucial if you want to avoid more serious damages. Clean water can sit safely for roughly 24 hours, but after that point, even water from a clean pipe break may become grey or even black water that is more contaminated and cause damage that is more difficult (or even impossible) to restore. Restoration specialists can help expedite the recovery process and ensure a safe cleaning.
Know When To Toss It
Replacing damaged carpet may be expensive, but keeping it in your house may later become even costlier. Damaged padding left unchecked can hide and contribute to damaged subfloors. This, in turn, can lead to structural damage as it wears through.
Water damage is never pleasant to repair, but understanding its causes and effects can keep it from seeming an unmanageable disaster. If treated quickly enough, you may find your home’s pipe break is not a total wash.
Floods Are More Common Than Ever
Many people, particularly those who live far from coastal areas, choose not to carry flood insurance for their property. But over the last two decades, the number of natural disasters in the United States has increased enormously, and the costs of those disasters has risen as well. In 2017 alone, natural disasters led to $306 billion dollars’ worth of damage, with the greatest damage coming from storms and flooding.
For people living in areas that have been devastated by a natural disaster, help may be available. The federal government can declare a disaster anytime it appears that local or state resources may not be sufficient to meet community needs. When this happens, FEMA can step in to provide aid.
What Qualifies as a Disaster?
Federal declarations of emergency can be made for a wide variety of natural disasters:
People who live in high-risk areas, like a flood plain, may be required to carry special flood insurance. However, the increased frequency and extent of natural disasters means that many people are not covered for the damage that can occur.
What Should You Do?
If flooding is extensive enough that you need to evacuate, make sure not to return until it is safe to do so. When you return, look for evidence of structural damage before entering your home. Also be aware that floodwater likely contains a variety of contaminants, so you should avoid direct contact with standing water or waterlogged surfaces and objects.
Take pictures of the damage to your home before any restoration process has begun. This can help to document the extent of the damage and provide evidence for any claims you make.
If you have experienced a flood, contact a restoration professional as soon as possible. In Oakville, MO these people can assess the damage to your property, explain what needs to happen, and do the work safely. They can provide claim information for your flood insurance company, or direct you to state and federal disaster resources.
Floods can be frightening, but help is available. Resources such as FEMA may be able to help you get back on your feet.
Visit http://www.SERVPROoakvillemehlville.com for more information on storm damage.
5 Things To Do If You Smell Gas
Have you ever walked into your Oakville, MO home to an aroma of gas? This smell can signal to you that there's a hazard in your house. Natural gas can leak into your home and create a nice habitat for fire. If you notice the pungent aroma, you need to take a couple of steps to ensure you don't start a gas fire.
1. Avoid sparks. Gas is highly combustible. If you add a spark to the environment, you could set off a gas explosion. You can avoid sparks by keeping all the lights in the house turned off. Only use flashlights if you need them.
2. Start ventilation. Allowing the gas to escape can help you avoid a catastrophic gas fire. Open as many windows and doors as you can to get the gases out as best as possible.
3. Turn off appliances. If you have a gas stove, furnace or dryer, you may be able to slow or stop the leak by turning off your appliances. If it is safe for you to venture further into the house, you can turn off burners that accidentally got bumped on, for example.
4. Shut off gas. If you know where the gas meter is located, you can go one step further by turning off the gas supply to the house. Don't got searching for this meter in an emergency, but only venture to it if you know exactly where it is.
5. Leave the house. Evacuating your home is a necessary part of a gas leak. Try to congregate with the rest of your family in a safe location. Make sure you call emergency responders. You can also call fire restoration professionals if necessary.
Smelling natural gas in your home can put you on edge. Taking smart, precautionary steps can help you avoid a gas fire and keep your entire family safe. Visit http://www.SERVPROoakvillemehlville.com for more information on fire damage.
The 6-Point Cheat Sheet to Commercial Mold
You’re running your business in Oakville, MO when you suddenly spot a discoloration that is no trick of the light. You’re concerned it’s black mold and want to protect your building and employees, but you’re not confident enough to call in a specialist. So, what do you do? Refer to this cheat sheet and go from mold novice to savant.
1. It Doesn’t Discriminate
Don’t limit your mold concerns to the bathroom; in actuality, mold can be found anywhere, both indoors and outdoors. Outside, it can grow on roofs, siding, pavers, wooden structures, and more. Inside you may find it in (yes) bathrooms, along with kitchens, laundering service areas, and anywhere else moisture is common.
2. It Has Unlimited Mobility
Mold, a microscopic member of the fungi family, can easily spread via spores that find their way through windows or doors, are sucked in and redistributed via HVAC ducts, and even can be carried on the clothing of you or your employees.
3. It Needs Moisture
Mold loves moisture, which is why it’s often found in damp area. Mold spores thrive and multiply when exposed to water for long periods of time.
4. Its Origin Should Not Be Ignored
When you perform mold cleanup yourself rather than calling in the experts, you may not be able to identify its source. When the source remains, the black mold will simply continue to grow and spread, regardless of your cleaning efforts.
5. It Has a Tell-Tale Scent
If you or your employees have noticed a musty smell in an area prone to moisture and humidity, that may be mold you’re smelling. Many people liken the odor to rotting wood, paper, or even cedar.
6. It Loves Humidity
The likelihood of a mold issue occurring inside your building greatly increases during humid months. That’s why it’s recommended to keep the inside humidity of your building no higher than 45 percent.
Now you’re well-versed on the ins and outs of black mold, but you’re still unsure if your building has it. Don’t take the risk; call a local mold remediation specialist today to ensure a clear tomorrow for you, your business, and your employees.
Visit http://www.SERVPROoakvillemehlville.com for more information on mold.
At What Point During Restoration Can Employees Come Back to Work?
Your business has survived a flood in Oakville, MO and now you’re ready to get back to work. However, the restoration crew is still on site, combating black water, bacteria, and structural dangers. So when is it safe to bring your employees back? To help you make that determination, here are the three stages of the restoration process and what you need to know:
1. The Removal Stage
Floodwaters can leave behind standing water that quickly creates mold and bacteria. If this is combined with sewer backup, it is known as “black water.” This is generally the top priority for a restoration company. While the professionals are working to remove it and complete this part of the cleanup, no one is safe to come back to work in the building.
2. The Demolition and Disinfection Phase
One of the things a flood cleanup crew will do for your business is work with you to figure out what can be saved and what needs to be demolished. Certain porous items such as carpeting and drywall will need to be disinfected and in many cases removed, as they contain harmful bacteria. During this phase, it is also not safe for employees to return to the building.
3. The Rebuilding Stage
After floodwater has been removed and the business’s walls and carpeting have been demolished or disinfected, it is usually safe for employees to come back to work, even while some rebuilding is still taking place. Installing air filtration devices is a smart precaution to clean the air. It will also set the minds of staff at ease while the restoration company wraps up the job.
Black water and other safety concerns make it necessary to be cautious about allowing employees back into a business after a flood. By knowing what step of the cleanup process the restoration crew is performing, you can make a safe determination and get your company back on track quickly.
Visit http://www.SERVPROoakvillemehlville.com for more information on commercial water damage.
How To Cope With Flooding in Your Basement
Have you recently suffered a long rain or maybe heavy storms in your area? Understandably, you may feel some apprehension before opening the door to your home's basement in Oakville, MO if you anticipate seeing water covering the floor. While your first instinct may be to grab your wet/dry vac, unfortunately there’s more involved in conducting a successful water cleanup in a basement flood.
How Does Water Get Into the Basement?
There is no one answer to how flooding occurs, but here are some common areas where water finds its way in:
• Window joints
• Cracks in the foundation
• The joint between the foundation footing and the wall
• Water heater or washing machine leaks
• Other joints in the walls, floor, and mortar
• Gutter cracks
• The floor drain
• The sump pump
• Burst sewer pipes
When Should You Call the Professionals?
If you have suffered basement flooding, your best bet is to call restoration specialists who are trained in removing the water and fully drying the area. Their expertise and high-end equipment can restore the room to its original condition. They can also test for hidden water damage lurking behind walls, which can often lead to the development of black mold.
What Is the Restoration Process?
Prior to beginning the restoration process, the specialist must determine any and all points where the water has entered the basement. Repairing the sources of the water prevents additional water from coming in and often includes sealing cracks, joints, and hose or pipe repair.
Professional machine extraction and dehumidifiers remove moisture from the air and the furniture, floors and assorted other materials. Carpet and padding often needs to be removed, and the professionals will determine how much of the baseboards, insulation and sheetrock require removal. After cleaning and sanitizing the affected area, the drying process begins and often requires upwards of three days to complete.
Flooding may seem disastrous, but you can get your basement back. The professionals will work alongside your insurance company to formulate a plan for basement reconstruction and restore your home back to normal. Visit http://www.SERVPROoakvillemehlville.com for more information on commercial water damage or water damage in a residence.
4 Reasons To Use a Restoration Company for Water Emergencies
Depending on how quickly it was remedied, unexpected water can be devastating to a commercial property. Flooding can be excessive and damage important electronics or furniture necessary for operations. It’s urgent to act or else pipe burst cleanup will become way too costly. There are four strong reasons to use an expert water cleanup crew in Oakville, MO rather than attempting recovery yourself.
1. Water Can Be Dangerous
Even if the source is a broken pipe that typically gives clean water, stationary water picks up unhealthy additions from the environment and becomes unsafe to be around. If water floods into cleaning or chemical supply storage rooms, it can become more of a danger.
Instead of risk your own health, professionals with appropriate safety equipment for every severity can ensure anything harmful is removed before anyone enters the property again.
2. The Restoration Company Knows Water Damage
With so much experience in the industry, a sewer cleanup company offers a team of people with years of expertise in pipe burst cleanup and other water damage remediation. If something seems off, the team will be quick to notice. They thoroughly know the levels of damage, appropriate treatment programs and routines for cleaning.
3. It’s Quicker
Restoration companies are dedicated to speedy cleanup so you can resume using your property. With a team of experts, recovery can start immediately without any research into what to do or how to do it. Time is another valuable resource saved during the process.
4. They Can Restore Property
While the water can be removed, furniture and other items important to your operations could be damaged. Drying items is often not enough to reverse the long-term damage water can do. Experienced crews know how the water affects everything and can use their knowledge to stop damaged business possessions from becoming unsalvageable.
The benefits are numerous and the cost is likely less than the cost of improperly treating a major water problem. Services like professional pipe burst cleanup save money and time. Visit http://www.SERVPROoakvillemehlville.com for more information on storm damage.