Reasons To Have Commercial Flood Coverage
Storm damage in a Harrison, TN home
You may feel pretty confident about the commercial insurance package your agent has put together for your business in Harrison, TN, but it may still be lacking something. If you don't have flood insurance, you could be setting yourself up for a devastating loss, particularly if you live in an area that is prone to flooding. Here are some reasons to have proper flood coverage in addition to all the other policies in your portfolio.
Commercial Property Limitations
Your commercial property insurance is essential. A solid policy will cover most of the damages that might occur:
- Fire damage to the structure of the building
- Stolen property
- Damaged business personal property
- Repairs to building
Natural disasters are generally not covered under a standard commercial property policy. To protect against flooding from storms, you need additional flood insurance.
Flood Policy Coverage
While a flood policy does not cover damage from the storm to landscaping or others' property, it protects your building and the items in it. Good flood coverage can pay for repairs after a storm. It also covers any damage done to insured items, such as office or production machines, that need to be restored by water remediation specialists.
Finally, if you live in an area prone to flooding, a commercial insurance policy that specifically protects against the damage it can cause may be required by law. This is particularly likely if you have a federally backed mortgage or if you rent your commercial property from someone else. In the latter scenario, if the law doesn't require insurance for flooding, your landlord probably does.
Your business in Harrison, TN, needs protection from many problems that may arise. Your insurance agent can recommend the policies that are necessary for your particular business in your location. If you live in an area that floods often, make sure you get flood insurance. You will probably be glad you included it someday.
Best Ways To Handle Basement Floods
Air mover on a water damage in a Hixson, TN, home
You’d be hard-pressed to find a homeowner in Hixson, TN that hasn’t thought of the possibility of a house flood. Basements are perhaps the most common place for flooding, so it’s crucial that you understand some quick and effective ways to handle a basement flood.
Evaluate the Damage
Before you do anything, you should take a quick look around your home and determine the extent of the flooded area and what type of cleanup effort you’re looking at. Here’s how you should begin:
- Take photos of the affected areas.
- Take photos of damaged property and areas.
- Write down specific items that have been damaged (this will be crucial when dealing with insurance coverage).
- If safe, get items such as furniture, books, electronics, and clothes away from water; however, don’t touch electronics that are currently in the water.
Call a Trusted Professional
Cleaning up after a basement flood isn’t something you should handle by yourself. There are experienced, skilled companies that take care of water removal and water damage. You should get in touch with a professional as some as you’ve assessed the damage in your home.
What the Pros Will Do
The restoration company will start by getting rid of the water in your home. The technicians will use pumps and wet vacuums to ensure there is no more water on your floors. In the next step, the professional will thoroughly dry the affected area with industrial-grade dryers. The restoration team will then remove damaged drywall and flooring so these areas can be replaced and rebuilt. Lastly, the team will clean and sanitize the area. This step will help prevent mold growth.
Prevent Future Flooding
Don’t run the risk of dealing with more flooding. Once you determine the cause of the issue, take necessary steps to eliminate water damage in the future.
A professional is your best resource for handling a basement flood. There are also critical tasks you can handle on your own to mitigate damage and safety concerns.
Best Ways to Clean Your Belongings After a Flood
Watching a disaster such as a flood come through your Chattanooga, TN home is a helpless, heartbreaking feeling. In most cases, there is little you can do once the incident is in full force. Luckily, in many cases, you can salvage your most important belongings and essential parts of your house, as long as you use effective content cleaning measures.
If you’re dealing with a flood in your home, you may have to replace your carpet or flooring altogether. However, in some cases where the flooding isn’t as bad, you may be able to keep your flooring with heavy-duty cleaning.
• Use high-pressure steam cleaning to clean carpets
• A wet vacuum can suck up water from hard surfaces
• Sanitize after removing water
• Make sure you thoroughly dry the area after you clean
Books and Documents
In a flood, you’ll be concerned about important documents and books. Restoration professionals have state-of-the-art measures to not only clean these items but make them look as close to new as possible. The technician will use methods such as vacuum freeze-drying and gamma irradiation to remove water. It’s also vital that the technician dries these items thoroughly. A professional can work with items such as photographs, x-rays, paper and parchment.
Porous vs. Non-Porous
Part of content cleaning includes assessing what you can save and what you must part with. Unfortunately, not even the best methods can save everything all of the time, especially if the flooding introduced black water into your home. It’s more difficult to clean and save porous items such as wood than it is to handle non-porous materials such as glass.
When you need an expert solution to your content cleaning needs after water damages parts of your home and belongings, make sure you find a company that can use these effective measures. You can rest easy knowing not everything will be a lost cause after a flood. Visit http://www.SERVPROnorthchattanooga.com for more information on flood damage.
Five Important Fire Escape Steps for Kids
A home fire is a devastating event that one wants to go through. If you have small children in your Chattanooga, TN home, it is extremely important that they know how to safely escape the home should a fire occur. Below are five kids safety steps that will help keep your most precious family members safe in the event of a fire.
1. Fire Crawls
Kids should learn two ways to crawl out of the house. The first is getting down on all fours and putting forearms flat on the ground. Keep your nose to the floor like a dog sniffing. If the heat is too strong, keep your legs down, too.
2. Bed Rolls
Heat rises, so it’s important that children roll out of their beds instead of sitting up. Kids should turn or roll until their heads are facing the ground by the side, then put their outside hands down and slide to the floor.
3. Door Checks
Opening a door quickly can cause a flashover, when a fire gets a burst of oxygen. Kids should first feel the door. If it’s warm to the touch, they should slowly open it. If fire or smoke is visible, they should close the door right away.
4. Get Out or Get Help
For kids safety, find a secondary route in the event the main way is blocked. Teach kids how to open and climb out of a window if on the first floor, or to open a window and call for help if on a second floor. Older kids can learn how to use a fire escape ladder.
5. Stay Out
After a child escapes a home fire, they shouldn’t reenter for any reason. Tell them to wait outside and that firefighters will work on rescuing anyone left inside.
Nothing is more important than kids’ safety. Once everyone is out safely, you can start the remediation process. Visit http://www.SERVPROnorthchattanooga.com for more information on fire damage.
A Basic Understanding of Mold
The sensational descriptions of it in media might deter one from seeing mold as anything more than a nightmarish substance wrought with risks of danger and damage. Whether it is black mold or a more benign colony, an understanding of mold can help prevent its spread; conveniently, the most effective way to handle the funky fungus.
What Causes Mold Growth?
Microscopic mold spores are everywhere, outdoors and indoors. They can be carried in the air, transported through HVAC systems or on the backs of pets and the bottom of shoes. Inherently harmless, the spores only become a fungal nuisance when exposed to four key elements:
• Organic nutrients
• A surface to grow on
Thus, a moisture problem can quickly become a mold problem when left unattended to. The spores feed on dirt and dust remnants from the surface material, developing into a colony when exposed to increased moisture levels. Any water damage, leaking pipes, high humidity or excessive levels of condensation can be breeding ground for any mold, including the black mold strain known for its higher risk of toxins. Before mold remediation can begin, all issues of water and moisture must be addressed so that the mold doesn’t have an opportunity to return.
What Gets Rid of Mold?
Due to the near-universal presence of the spores, removal isn’t an accurate term for mold cleanup. Instead, Chattanooga, TN professionals can remediate the problem using a variety of tactics:
• Mold containment: HVAC systems and fans are turned off to limit the spread of spores.
• Air filtration: Clearing the air of spores that may have spores from the presence of mold growth.
• Removal of mold-infested materials: Porous materials such as drywall and carpet may need replacement if exposed to heavy mold or black mold.
• Cleaning: A thorough cleaning of personal belongings and air quality can remove any odor and ensure a complete mold cleanup.
Visit http://www.SERVPROnorthchattanooga.com for more information on mold.
How to Leave the “Ew” in Sewer
Sewer backup is a phrase no one loves to hear. Category 3, or black water, might not be as familiar of phrasing, yet these synonyms are vital knowledge to be had by any homeowner in Chattanooga, TN with a mind for a happy, healthy home. The health dangers of black water make sewer cleanup an immediate need whenever there is an overflow.
What is Black Water?
Highly contaminated and full of illness-causing bacteria, category 3 water is classified as coming from any of these sources:
• Rising river or stream
• Undealt with standing water
• Flooded toilet
• Sewage overflow
Due to the nature of these sources, the water is likely to contain large amounts of dangerous microbes, chemicals and other unfriendly contaminants to humans and animals alike. Contact or ingestion of this water can cause severe illness and must be avoided.
What is Sewer Cleanup?
The imminent health dangers of sewer backup require the cleanup to be prompt and thorough. A professional cleanup crew has the appropriate training, equipment and protective gear to handle your home’s category 3 flood in a quick and effective manner. Wearing full protective gear, workers will remove the contaminated water and sanitize the affected areas. With the appropriate machines and protective attire, a professional cleanup team can effectively work to ensure your home is clear of any contaminants left by the flooded sewer water.
Can Sewer Backup be Avoided?
There are daily choices you can make to keep your pipes clear and minimize the risk of a flooded toilet. Here is a list of common items that should not be flushed down the toilet:
• Wipes (including “flushable”)
• Paper Towels
• Feminine Products
Even excess toilet paper or facial tissue can eventually lead to a clog down the road. Being mindful of what goes down the drain can prevent a flooded toilet in the future. If the “ew” doesn’t stay in the sewer, call your local cleanup crew for immediate sewer cleanup. Visit http://www.SERVPROnorthchattanooga.com for more information.
3 Reasons To Replace Your Old Pipes
The safety and structural integrity of your commercial property in Chattanooga, TN depends on how well all the elements that make up its structure function. When you have faulty pipes, such as the polybutylene pipes found in many buildings that were built in the 1970s, 1980s and 1990s, you put your building at risk for major water damage. Here are three reasons to upgrade your plumbing if you have pipes made of substandard material.
1. They cannot withstand the chemicals present in the water that runs through them. Piping made from this material may have seemed strong when it was first installed, but the basic chemicals used to treat our water inevitably break them down over time. Polybutylene becomes brittle when exposed to chlorine and the anti-bacterial chemicals used to purify water. As the pipes weaken, they can crack, causing extensive water damage that can only be repaired by a water remediation specialist.
2. They cannot be repaired. While the damage they cause can be remedied, there is no way to fix pipes made of this material. Replacing the pipe with another that matches it makes it likely that the same problems of deterioration can occur all over again at a later date. Attempts at repair are futile. They must be replaced.
3. They do not meet building codes. These pipes malfunction so consistently that regulatory agencies in the United States and Canada do not recognize them as acceptable material for your plumbing. In order for your commercial property to pass inspection, therefore, you need new plumbing that meets at least the minimum standard for piping material.
If you own a commercial building that has polybutylene pipes, it is in your best interest and the best interest of any tenants you may have to replace the pipes at your earliest convenience. Replacing them before a problem occurs is the smart choice. Visit http://www.SERVPROnorthchattanooga.com for more information on commercial water damage.
The Difference Between Flooding and Storm Damage
You may think of flooding and storm damage as the same thing – but your insurance company doesn’t agree. When a storm leaves your Chattanooga, TN premises completely flooded, what’s the difference between flood damage and storm damage?
Understanding Storm Damage
Storm damage is generally damage caused by anything other than flooding, but still associated with thunderstorms, hurricanes, and tropical storms. Storm damage can include:
• Wind damage, such as torn roof shingles
• Damage from falling or flying debris, such as smashed windows or exterior damage
• Other structural damage caused by the storm, such as if a tree falls onto your roof
Most of the time, storm damage is covered by your general commercial property insurance policy – but flood damage is not, and requires a separate insurance policy.
Understanding Flood Damage
Flooding can happen from storms, earthquakes, tsunami, even from burst city water mains. Flood damage generally comes from an exterior source in order for it to qualify as actual flood damage, and involves the destruction caused by rising water entering your building, smashing against it, or depositing debris that may cause harm to your building.
So Are Burst Pipes Considered Flood Damage?
No. Burst pipes and other interior water issues are part of typical commercial property damage. Even if your building ends up flooded because the pipes burst and ran for hours, that’s still not considered flood damage. Flood damage is only actually flood damage if it is caused by a natural disaster.
Whether you’re dealing with flooding or property damage from burst pipes, though, you’ll likely need the help of a remediation specialist. Flood and storm remediation companies specialize in recovering your property from the damages caused by natural disasters or building problems, and can first mitigate the problem and then work with you on restoration, repair, and refinishing. Visit http://www.SERVPROnorthchattanooga.com for more information on storm damage.
Why You Should Hire a Water Damage Company in Signal Mountain That Works With Insurance Companies
Cabin flooded in the Signal Mountain area.
SERVPRO Works with Insurance Companies Concerning Water Damage at Signal Mountain
When you find that your home in Signal Mountain is struck by a natural disaster such as a fire or flood, there are several issues that you must handle at the same time. You need to work with your insurance company to determine how much financial assistance you can receive for the water damage to your property. Additionally, you'll need to locate a water damage restoration company that can expedite and optimize the restoration process. Ideally, you'll want to hire a company like SERVPRO that works in conjunction with many insurance providers. There are numerous benefits that result from doing so. Some of them include:
This Water Damage Company Can Help You Obtain a Fair Settlement
One of the primary benefits of hiring SERVPRO to work with your insurance provider is that the two groups can work together with adjustors to develop a fair settlement for water damagefees. Bear in mind that SERVPRO is neither an insurance agent nor adjuster and holds you responsible for its fees. We will issue you a Water Damage Emergency Report on our first visit upon request. Cover the details with your insurance company and let SERVPRO get to work to minimize the effects of the water damage.
Water Damage Companies Use Sound Business Practices
In addition to assisting you with the process of getting a fair settlement for restoration services, a water damage company that works with your insurance provider is likely to utilize sound business practices. This is the case for several reasons, including the fact that insurance companies have extensive industry experience that enables them to identify and work in unison with the most exceptional, efficient water damage companies on the block. Thus utilizing the services of a water damage company that you obtained from an insurance referral is one of the best ways to ensure that your specific needs are met in an ethical, expedient manner.
Call SERVPRO Now
Hiring a water damage company that works in conjunction with your insurance provider is a great way to ensure that you obtain exceptional services. If you're currently searching for an experienced water damage restoration company, be sure to consider SERVPRO. We employ franchise professionals who have obtained IICRC industry certifications and are trained according to high standards. We also provide 24/7 emergency response and assistance for your convenience.
Locally Owned and Operated
We live and work in Signal Mountain too; we might even be neighbors. As a locally owned and operated business, SERVPRO of North Chattanooga is close by and ready to respond to your water or flood damage emergency. We are proud to be an active member of the Signal Mountain community and want to do our part to make our community the best it can be.
Our job is to preserve and protect, stop further damage from occurring and restore whenever possible. Call us. (423) 332-7678.
Why Is My Roof Damaged After a Fire?
Give SERVPRO a call after commercial fire damage.
During the fire cleanup process of your commercial building in Chattanooga, TN you may have a few questions about the damage sustained to your building. It's crazy how a fire can cause soot to cling to every surface or how water damage can be such a big part of a fire. You may be surprised at the damage done to your roof, but there are a lot of reasons this structure is so affected by a fire.
• The Heat: Fires cause a lot of heat. Heat tends to rise. When the heat wave reaches your roof line, it holds it in for a while. The shingles and other roofing materials may be degraded by the extreme heat they come in contact with during a fire. If you notice melted plastics or warped shingles, you may need to consider a roof repair as part of the restoration process.
• The Smoke: The smoke created by a fire can be full of soot. Depending on what the fire is fueled by, this soot can actually contain chemicals. When the smoke reaches the roof structure, it may stain and discolor your system. This damage typically isn't as serious as others, but you may still want to restore the discoloration caused by the flames during the fire cleanup.
• The Extinguishing: Putting out a fire sometimes does as much damage as the fire itself. Firefighters use lots of water to dampen the flames, but sometimes they have to increase the ventilation to quench the fire. Cutting holes in the roof and walls can help with this process. If you have a hole in your roof, you may want to look into tarp services to ensure rain and wind do not do more damage to your building.
Your commercial fire damage repair team can help you better understand how certain parts of your building were damaged. They may also be able to help you become more comfortable with the fire cleanup process. Visit http://www.SERVPROnorthchattanooga.com for more information on commercial fire damage.