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Fire & Water - Cleanup & Restoration

Make a Resolution To Protect Your Business

12/27/2021 (Permalink)

wet carpet, water damage in office Water damage in a Bella Villa, MO office.

With the coming of a new year, it’s time to review the previous year, taking stock and making plans for change. When you are going through this process, remember to reevaluate your business insurance. It’s a good time to make sure your policy fits your needs, especially when it comes to water damage, which is one of the most common reasons businesses file insurance claims.

Evaluate Water and Flood Risks

Most business insurance policies will provide adequate financial protection from water damage, but here are some questions to ask yourself when reevaluating your risk:

  • Could I have a sewer backup?
  • Is my building in a location that is exposed to below freezing temperatures?
  • How old are my sewer pipes?
  • Is my roof maintained to reduce ice and water buildup?
  • Have I noticed any persistent bad odors?
  • Have I seen any signs of small leaks (drips, mold, etc.) that could indicate broken pipes?
  • Is my building in Bella Villa, MO, in a flood zone?

These are important questions to ask yourself before contacting your insurance agent to review your policy.

Review Common Exclusions

When talking with your agent, ask about exclusions in your insurance policy. Most of the exceptions for water damage are based on the source of the damage: such as a natural flood or a failed pipe that was not properly maintained. Ask about purchasing additional coverage if you think your building is at risk for damage that isn’t part of your standard coverage.

Make a Resolution

You work hard to manage a business. By spending a short amount of time to ask yourself key questions, you will accomplish much to assess your risk for water related damages. Your insurance agent will gain a better understanding of your needs and how to help protect your business financially.

If you do have a need for water cleanup, you can work with a single source: a commercial building restoration specialist is not like other contractors that work only on certain parts such as pipes or drywall repair. These specialists have experience helping businesses with restoration from physical damages of things like floods.

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