The Benefits of Interruption Coverage
Fire damage in Gladstone,MO
4 Ways an Interruption Policy Can Protect Your Business
A fire in your commercial property in Gladstone, MO, can leave you scrambling not only for the money to repair your building and the surrounding area but also for the revenue to pay the bills while operations are slowed or suspended. Interruption insurance covers the costs of your basic operations. It can mean the difference between slowing business down for a little while and going out of business altogether. Here are four ways an interruption policy can protect your business.
1. Income Compensation
Your business interruption policy is likely to replace most of the income you would have earned during the designated time. The amount you are eligible to receive often depends on financial statements and projections from your company. It protects your business from going bankrupt while you are getting back to normal.
2. Temporary Relocation
If the repairs your building needs are extensive, you may have to relocate your operations for a little while. Interruption insurance will often cover the expense involved in doing so. It may pay rent and utilities for an additional business operations center so that productivity does not have to suffer.
3. Utilities and Property-Related Expense
While fire restoration services are underway, you may still have to pay for basic utilities and property tax or rent in your own building that is being repaired. If that is the case, you will need an interruption policy that can pay those costs.
4. Employee Payroll
Just as your coverage protects you, you want to protect your employees. Many workers fear that their jobs will be in danger when the building is in jeopardy. An excellent business interruption policy supports you by supporting your staff and covering their paychecks.
Your interruption insurance allows you to protect your business while leaving yourself plenty of time to make sure repairs are done expertly and thoroughly. With proper coverage, you don't have to rush the recovery process.
Tips for Freeing Commercial Air Ducts of Mold
Dust accumulated in your Liberty,MO air duct can lead to microbial growth
What to Do If You Have Black Mold in Your Ventilation System
Certain conditions can cause mold growth in your company air ducts. This can cause problems for your Liberty, MO, business. If you believe you may have black mold in your ventilation system there are a few things you can do.
1. Know How to Spot Mold in Air Ducts
Mold can cause a number of problems for your staff and building so it’s important to locate and remove it as soon as possible. Some of the most common signs of mold in a ventilation system include patchy, dust like areas around vents that are difficult to clean away, and musty odors that seem to get stronger when the AC system is turned on.
2. Remove the Mold and Sanitize the Area
If you believe black mold may be growing in your ducts then it’s important to contact a mold remediation specialist to take a look at the problem. These professionals can run the appropriate tests to confirm the diagnoses, and then take any steps needed to remedy the problem. They will clean and sanitize the duct-work as well as inspect the surrounding area to insure the mold has not spread.
3. Mitigate Future Problems
One of the best ways to maintain clean ducts is to prevent problems before they start. Moisture control is an important step to this. Carefully watch areas that tend to have water problems, and do what you can to repair and clean these areas as soon as a problem occurs. You can also regularly change air filters, monitor the levels of humidity, and avoid using rugs in areas like restrooms that may retain moisture.
Once you understand how to spot mold growth, including black mold, you’ll be able to get your company’s ventilation system properly cleaned. You will also be able to take the necessary steps to prevent future problems. If you have any questions, a professional may be able to help.
Is Mold Inevitable After a Flood?
Mold damage in a Kansas City, MO home
When storm waters cause flooding in your Kansas City, MO, home, the cleanup process may take some time. Not only do you likely need to hire a water removal service, but you may also have to repair secondary damage after the water has been cleaned up. While additional damage is a possibility, mold growth does not have to be inevitable after a storm causes water to permeate your house. You can avoid it by doing the following:
- Managing excessive humidity
- Removing standing water
- Reacting quickly to the flood
To better understand if your home may be affected by mold, you need to know what contributes to its growth. The type of water, time it takes to start cleaning and thoroughness of the cleanup job each plays a part in whether or not mold will start to grow.
If your home is flooded after a storm, chances are the water came from an overflowing river or backed-up sewer system. These water sources are commonly contaminated with spores and bacteria. Water from a dirty source can lead to mold growth quicker than flooding from a broken water supply line.
Lengthy Wait Time
If water sits in your home for a long period of time, the risk that mold will begin to grow is increased. Stagnant water and high humidity create the ideal environment for mold to develop. Quickly calling in a cleaning crew is always a good idea when you find standing water in your home.
Completely removing the effects of flooding is important. Any residual dampness or humidity can encourage mold growth. Some homeowners try to take on the cleanup on their own, but they don't always know how to totally remove water damage. This partial cleanup makes it possible for spores to spread throughout a home.
Mold doesn't have to grow after a flood. Addressing flood cleanup and mold removal as soon as possible can help reduce the damage done by a storm.
How To Avoid a Fire During a Natural Gas Leak
If you smell gas in your Liberty, MO, home, it could be a sign that there is a leak. This type of leak could put you at risk for a gas fire. Avoiding a fire may be difficult, but it can be done. Consider these five tips if you ever have to deal with gas leakage, but remember that it may be safer for you to simply evacuate your house and call emergency responders.
1. Avoid creating a spark
When natural gas fills your home, the smallest spark could start an explosion. You can avoid causing sparks by not turning lights on, using candles or making calls on a cellphone.
2. Start airing out the space
If the gas is not allowed to build up in your home, you may lower your risk of a gas explosion. Opening doors and windows increases the ventilation and helps the gas dissipate.
3. Check obvious sources
If you have time, you can check some obvious sources of a natural gas leakage. This usually includes appliances that run on gas. Stoves are the most common culprit as it is easy for someone to bump a burner on accident.
4. Turn off the gas
When you hear a hissing sound or smell rotten eggs, you can turn off your home's gas. The valve is usually located by the meter.
5. Know the signs of a leak
Before a gas fire can happen, there usually has to be a leak. You can avoid the fire if you can put a stop to the leak quickly. Common signs of a leak include hissing air, blowing dirt, rotten egg smell and bubbling puddles.
It may not always be possible for you to avoid a gas fire. When the unexpected happens, you need to know who to call for help. A residential fire cleanup crew can help you get your life back to normal.
What Causes Sewers To Back Up After a Storm?
Municipal sewer systems can become overwhelmed and back up due to heavy rain. There are three common reasons why excessive rain water can lead to a sewer backup.
1. Increased Development
A storm sewer system that serves a municipality that has experienced a lot of rapid development may not be able to keep up with increased runoff levels. This can cause storm water to back up into the drains of commercial properties and homes in the region. Commercial property owners may want to consider an insurance endorsement or preventative plumbing solutions for frequent backups.
2. Poor Sewer Maintenance
The city also may not be doing a sufficient amount of sewer maintenance. Unfortunately, even if the municipality is to blame for a sewer backup, it is probably not liable for the cost of removing black water and restoring commercial property damage. Sewer backups are also commonly excluded from commercial property insurance policies. You may want to add a sewage damage endorsement to a policy to cover mitigation and restoration costs.
3. Lack of Dedicated Storm Sewers
If a municipality does not have enough storm sewers, flooding and backups may happen every time it rains heavily. If this is the case, a commercial property owner may want to consider having a basement drain raised and an ejector pump installed or having a sewer backwater device such as a check valve or gate valve installed. Keep in mind that waste and storm drainage cannot flow through while this valve is closed, which may make it less desirable for installation in large commercial buildings.
If you own commercial property in a region that frequently experiences sewer backups due to rain water, the best option may be an endorsement on a business property insurance policy. This coverage can help to offset the cost of professional cleaning and restoration after a sewer backup in Gladstone, MO.
3 Facts To Know About Water Damage and Flood Recovery
Storm damage in a Kansas City,MO home
When flooding affects your Kansas City, MO, home, it can be difficult to know where to begin when it comes to cleanup efforts. Whether the flood was caused by a pipe burst in your cellar or bathroom or from an overflow of a nearby creek during a rainstorm, it can ruin your home’s building materials and your belongings. Before you attempt to recover from water damage, there are a few facts you can keep in mind that may make the process less stressful.
1. Not All Flood Damage Is the Same
The amount of damage your home suffers from a flood can depend on many factors. For example, basement flooding caused by a leaking or ruptured water line may be less invasive than water that enters your home forcefully during storm flooding. The condition of the water can also play a part, as water from outdoor flooding is typically a category three, or black water situation, where water that comes from a kitchen pipe burst or water line is usually much more sanitary and therefore simpler to clean up.
2. Building Material Damage Is Not Always Apparent
After a flood there will likely be problems that are instantly visible, such as standing water that can occur during heavy flooding. However, there might also be water damage that you cannot see, especially if water levels reached more than a few inches. Drywall and interior insulation can be badly affected and may even grow mold if left untreated. Calling in a flood damage and restoration company to inspect these areas can help prevent costly issues later on.
3. Restoration Is Possible for Many Items
It is important not to discard items until they are inspected by your flood damage professionals. For example, if a pipe in your basement has burst and you had items stored there, such as furniture, photographs and important documents, they may be restored if salvaged properly.
Flooding can happen at any time, whether a pipe burst or seasonal storms are to blame. However, knowing what to expect and how to handle restoration can help you return your Kansas City, MO, home back to normal.
How To Keep Mold and Mildew Out of Your Bathroom
Know where to look for Mold and Mildew and how to spot it!
Your bathroom’s sinks, toilet, tub and shower are frequently exposed to water. Because mold and mildew thrive in moist environments, this room can be a potential breeding ground for both organisms.
To reduce your risk of bathroom mildew and mold, follow these tips.
Increase Air Circulation
Taking a hot shower can create a high humidity problem inside the room. Using bathroom fans during and after your shower can reduce the humidity level as well as condensation buildup on mirrors and other surfaces.
Dry Your Shower
You should wipe and dry your shower’s surface after use to eliminate pooled water and excessive moisture.
Routinely Clean the Shower
You can also reduce bathroom mildew by routinely cleaning your shower and tub. This includes wiping down walls and bathmats with a cleaning solution. If possible, install a washable shower curtain that you can routinely clean with your washing machine.
Avoid Piles of Wet Clothing
Cloth is porous and offers many hiding places for mold spores. To avoid mold and mildew growth, you should hang towels up to air dry after use and avoid piling wet clothing, towels and washcloths in one location.
Use Mold-Resistant Caulking
It’s not uncommon for water to pool in the area surrounding sinks, tubs and showers. You can waterproof these spots using a mold-resistant caulking. You should also routinely inspect caulking for signs of deterioration, such as cracking, and replace as necessary.
Address Drafty Windows
Your bathroom’s window sills are also potentially susceptible to mold and mildew growth because cold drafts around the window can produce condensation. To eliminate drafts, apply plastic film or weather stripping around the window.
A Manageable Issue
Proactively managing moisture is key to preventing bathroom mildew and mold in any Kansas City, Kansas home. In the event of a burst pipe or overflowing toilet, a quick and efficient cleanup is imperative. If your bathroom sustains significant water damage, a professional cleanup and restoration crew can provide timely assistance and help ensure mold does not find hiding spots inside your saturated bathroom.
What To Do If Your Flight is Canceled Due to Weather
Always be prepared for anything!
Travel delays can range from a minor inconvenience to a major issue depending on your circumstances and level of preparation. If adverse weather results in a canceled flight,
Use these storm tips to reschedule your trip.
Find Your Flight Information
You will need to be able to inform your airline about the details of your itinerary to reschedule flights and determine your options for compensation. Find your flight numbers and keep them on hand when contacting your airline. An airline agent is likely to ask you for your
- Full name
- Flight numbers
- Airports for connecting flights
Having this information ready can save time when rescheduling your trip.
Skip the Line and Call the Airline
If you are stranded at an airport, other passengers on your canceled flight may form a line at the gate counter. It is almost always easier and faster to call the airline from your cell phone or another phone in the airport. Be sure to have your tickets or boarding passes ready to provide any information the agent may need. Depending on whether the storm is in your current location, the airport may also experience power or data outages or other difficulties.
Check the Cancelation Policy
Many airlines compensate passengers for cancelations due to adverse weather. The company may reimburse you, offer rescheduling services at no additional charge, or provide a meal or hotel room, depending on how long your travel plans are delayed due to weather.
If you are dealing with a canceled flight in Kansas City, Kansas or any other location, these storm tips can help you resolve the situation. Travelers should also make sure they have the contact information for ticketing services on the airline they are flying. If a storm is expected to affect your home, you may also want to look up the number for a residential storm damage restoration service.
Preventing Water Damage: The Practices and Tools Necessary to Protect Your Business
Be ready with a plan to protect not only your business' operations but also the employees.
A broken pipe can cause massive flooding in a business, and the cost of water repair can be significant; however, depending on who is deemed responsible, your insurance company may not cover the damage. Therefore, you may want to take every preventative measure possible to protect your business and its operation.
Key preventative measure to protect your business
Most plumbing issues can be prevented with routine maintenance. With regular sewer cleaning and annual inspections of drains and other collection systems, most minor problems can be found and fixed for little costs.
Installation of Pumps and Valves
Beyond routine maintenance, you can install sump pumps and back flow valves to prevent and control potential sewer backup and flooding events. However, these items also should be inspected regularly to ensure proper functionality, and sump pumps should have battery backups in case of power outages.
Location of Generator Fuel Tanks
In the event of a broken pipe or a flood, generator fuel tanks may cause water contamination. For this reason, you may want to install generators in elevated areas to not only prevent possible water contamination but also to ensure a working generator. If generators are located in a building’s flood zones, the increasing water level may interfere with the generator’s mechanics.
Parking Lot and Sidewalk Grading
As exterior water lines can also burst, you may want to ensure that any concrete surface is graded away from your building’s interior. Incorrect grading can lead to increased flooding risk, which can result in further interior damage.
While Kansas City, Kansas, has many restoration companies in the event of a broken pipe, it is better for a business to avoid interruption due to disaster; therefore, it may be in your best interest, as the owner, to install every possible preventative measure. However, it is also essential to maintain these elements to ensure prolonged protection for your business.
Planning a Response to a Fire Alarm
These are just a few things that should be addressed in your plan.
When it comes to a fire or other emergency in Kansas City, MO, a well-organized evacuation doesn’t just happen. It follows a contingency plan that has been prepared and tested in advance. All companies need to have such a plan in place. Here are a few of the components of such plans.
1. The building needs to have exit routes posted in prominent places. It is important for employees to understand what routes and exits they will use to safely exit the building. Thanks to OSHA, those placards should already be in place.
2. There needs to be a person in charge of the evacuation. The contingency plan is just a plan. When you execute a fire drill, everyone exits the building through their assigned exit. In a real emergency, it may turn out that one or more of the exits are not usable. The person in charge needs to be notified and will redirect the flow of employees exiting the building.
3. Some employees will have special jobs in the event of a fire. Many companies have chemical, manufacturing, or other processes that are not meant to run unattended. If it is safe to do so, certain key employees will be assigned the job of shutting down those processes before they personally evacuate.
4. Complete evacuation is everyone’s responsibility. If you don’t have a special job, follow the evacuation plan and exit. But what about visitors, special needs employees and employees who are somewhere that the alarm may not be heard? Safe evacuation of the building is everyone’s responsibility.
These are just a few things that should be addressed in your plan. OSHA has an excellent planning tool available to help you set up your own.
With the fire extinguished, it’s time to get your company back on track. The best way to do that quickly is to bring in the best fire restoration team you can find. You will be glad you did. While the cleanup is underway, review your contingency plan to see if anything could have been done better. For more information, visit http://www.SERVPROclaycounty.com/.