Are you Prepared for a Business Interruption From a Storm?
Flooding in Hickory Hollow, TN.
How Can You Be Ready For A Storm
When disaster strikes in Hickory Hollow, TN, the odds of a business surviving are not good. Being prepared and getting a prompt rebuild may be the difference between bankruptcy and success. So how can you get ready for the storm?
What Are the Odds?
FEMA statistics show that 40% of businesses never reopen following a disaster, 65% will fail within a year, and a stunning 90% permanently close within two years. If you have a closed business for as little as two days, your odds of remaining open after two years is one in ten.
What About Insurance?
Insurance is your saving grace – assuming you have the right coverage. A commercial policy can pay for a rebuild of your building and usually covers a few perils, including
Water (excluding flooding)
However, there are exclusions to the standard policies. If you started a fire, that wouldn’t be covered. If water damage is from flooding, you need a special flood policy. Plus, your lost business income is not included. You need business income insurance for that.
What Is Business Interruption Insurance?
While your business is closed, you may have all your normal expenses (plus additional ones) while seeing either reduced or eliminated revenue. It’s also not unusual for a business to be closed during the rebuilding process.
Probably the best way to survive a major disaster is to have good commercial insurance with interruption insurance. It’s so effective at preventing insolvency that it’s recommended by the experts if you can afford it. Also, if you’re in a flood zone, you should have flood insurance. You can check the flood zone maps to determine if you’re in a high-risk area.
What About the Storm Damage?
Immediately after the storm, contact a storm damage restoration expert to inspect your building and tarp exposed areas. Most interruption insurance has a limited time for coverage, so you’ll want to begin the process as soon as possible.
If you have the right insurance and planning, you can weather any storm. Having property damage and income coverage through the rebuild is a fantastic way to dramatically raise your odds of survival.
Homes With Black Mold Contamination Require Immediate Containment
Black mold buildup in the corner of a home.
Black mold contamination is being reported in more Percy Priest, TN, homes than ever before. Mold damage can be quite severe if the issue is left unchecked, and ignoring it usually means you’re also ignoring the cause. Homes that have a severe infestation usually require some degree of containment as part of the mitigation process.
What Is Black Mold?
Actually, it comes in three standard colors:
It tends to be a little shiny, and it’s always found on porous substances, such as drywall and wood. If you see some mildew growing on tiles or grout in bathrooms, that’s typically indicative of a temporary excess of moisture, whereas colonies growing on wood or gypsum are due to a serious, ongoing issue.
What Causes Mold Contamination?
Indoor humidity needs to be maintained at 30 – 50% to create ideal conditions for both human comfort and building materials. A brief excursion of humidity is harmless, but when it remains above 50%, it means something abnormal is happening that can lead to water and mold damage.
If the cause is hidden, the damage often will remain so, too, until it’s shockingly expansive. Hidden pinhole leaks in water lines, roof leaks and septic line leaks are all potential causes of explosive black mold growth.
What Is Containment?
It sounds much more serious than it is. The purpose of containing an area is to prevent the mold from spreading. This can save an enormous amount of money in the restoration process. Negative airflow is applied to the infected area until the mold can be removed.
What Happens Once It’s Contained?
Mold remediation experts have commercial mold restoration techniques that can save personal property and eliminate mold. After the containment, they’ll locate what’s causing mold growth and fix that, as well.
Next, they attack the mold with custom disinfectants that starve mold colonies and break down their cell walls. By applying super-dried air and a consistent negative pressure environment, they kill the remaining colonies and inhibit further growth.
When all the mold contamination has been cleaned up, your home will look (and smell) just like it did before the problem. Containment is an important part of the process.
3 Things You Can Do To Prepare for a Flood
We are experts in storm water removal
Three Things You Can Do To Help Avoid This Chaos
As a business owner in Nashville, TN, you're aware that flooding can grind your work to a halt. After all, what you need is drenched, preventing you from tackling tasks. As the news warns of impending storms, then, it's best to consider ways to keep your company and staff protected. Here are three things you can do to help avoid this chaos.
1. Seal and Border Low Areas
Minimize flood damage by filling in small cracks and establishing a structural barrier. Walk around inside and outside, particularly noting areas around windows, door frames, and the lower wall. Anything, even minor, should be re-caulked, preventing moisture from squeezing through. Then, you can add sand bags to the perimeter, hoping to avert water elsewhere. When doing this, consider placing a plastic lining underneath. Then, layout the bags much like you would bricks, overlapping them to offer a stronger seal. Make sure the flaps are down.
2. Rearrange the Inside
As flooding enters, it will affect the materials inside. Therefore, shift valuables to higher ground. Look around the building. Where would provide the most secure location? You should particularly relocate electronics, expensive merchandise, and necessary files. Cloth items such as rugs and curtains easily absorb moisture. Remove them.
3. Shut Down Utilities
If storm damage occurs, your power supply could worsen the situation; thus, turning off the gas and electricity could alleviate undesirable stress and destruction. As fluid overtakes the rooms, it could hit the electrical lines and become a catalyst for fire. Before leaving the property, have a plan in place to lesson this event. When everything calms down and you return to the premises, don't go alone. Contact a water restoration company to come with you. The professionals can ensure the property is safe. Should a hazard exist, the professionals can begin to work on it immediately.
When flooding impacts your place, it's devastating. Structure is compromised. Business stops. Take action early to try and ward off trouble.
Smart Advice for Cleaning After a Storm
A flooded home in Antioch, TN.
Smart Advice for Cleaning After a Storm
One of the biggest fears for homeowners and renters is the flooding of a property. All of that water coming into a house is scary and it creates an enormous mess of dirty water, sand, and debris. The temptation for many people is to begin the cleanup at once, but here is some better advice: stop for a moment and focus on safety. The aftermath of a storm creates the following hazardous conditions:
- Contaminated water that contains dangerous substances
- Shock hazards from wet electrical systems
- Loose materials that could fall on people
- Wild animals that could bite or sting
If you are unsure of the safety of your home in Antioch, TN, call for help. Allow the authorities to identify and clear out safety hazards before reentering your property.
Water Damage Cleanup
Any flooding event will likely require the services of an experienced storm remediation team. A team of trained technicians can arrive on-site in a matter of hours and will quickly follow a process that is adaptable to all forms of disasters. It begins with an inspection and assessment of the flood damage and then moves onto a plan of action. Water removal and extraction begins at once, followed by a drying and ventilation process. The next actions include cleaning and sanitizing all affected surfaces in the home. Depending on the damage, restoration services could include the repair of damaged walls, flooring, and contents.
Storm Restoration and Recovery
A home that is restored according to the highest standards of the cleaning and restoration industry should appear "Like it never even happened." This includes the elimination of odors associated with flooding and the removal of all hazards from the home. An efficient process works to keep expenses low and a restore versus replace philosophy also works to lower costs. A big storm or a heavy flood can be handled by following a few smart steps.
3 Problems You Might Face After a Commercial Fire
Commercial fire restoration in Antioch, TN.
What To Expect Afte A Fire
Dealing with a fire at your Antioch, TN, business can be an extremely stressful experience. Knowing what to expect in the aftermath of a fire — including plans for water cleanup, smoke damage and other effects — can be very helpful in your efforts to rebuild and get back to normal.
1. You May Deal With Significant Water Damage
Though it sounds paradoxical, water cleanup may be a large part of the post-fire restoration process. Water from sprinklers or firetrucks, while necessary to control the blaze, may do harm to the building and you and your employees' personal effects. Be prepared to deal with soggy items, water-saturated furniture and even structural damage due to water.
2. Smoke May Be as Damaging as Fire
The need for smoke cleanup is often overlooked or seen as less important than fire cleanup. Unfortunately, the fact is that smoke alone can do significant harm to your workplace. Odors from smoke can linger in building materials, equipment, furniture and personal items long after the fire is over. Severe smoke can stain or discolor walls, ceilings and other surfaces.
3. Structural Integrity May Be Compromised
In ideal circumstances, a fire will be sufficiently controlled, preserving the majority of the building and contents. However, you may be left with structural damage from the fire itself, or from attempts to fight the fire. Flames may weaken your property's floors, foundation, or other supports. In desperate situations, firefighters may need to cut holes through the walls or roof to release smoke or gain access to certain areas of the building.
It is always useful to have a phone number for fire restoration services in your workplace contingency plan. A qualified company can help with water cleanup, smoke remediation and other restoration efforts. The better you prepare for the potential aftermath of a fire, the more quickly you'll be able to recover should one occur.
Preventing a Dryer Fire: 4 Safety Tips
Clint the lint trap of your dryer after every use.
Tips To Reduce The Possibility Of A Dryer Fire
Safeguarding your Nashboro Village, TN, home from fire damage means reducing clutter, installing smoke detectors on every floor and keeping lighters and matches away from children, but one potential fire cause you may not consider is your clothes dryer. A lint fire can spread quickly because of the dryness of the material and blaze out of control before you know it. Fortunately, there are a few tips you can keep in mind to reduce the possibility of this type of fire.
1. Clean the Filter With Each Use
Lint buildup is often the main cause of a dryer fire, so remind each family member who uses the unit to completely empty the filter after each use. Wipe it clean with a soft cloth and dispose of the lint in another room, far away from any heat source.
2. Check the Duct Pipe Weekly
Lint may collect in other areas of the dryer other than the filter, such as the vent or duct pipe. Using the high heat setting during a load could ignite the lint trapped there and cause a serious fire to spread throughout your home. It is wise to check the duct weekly, after you finish your wash, to clear away any trapped lint.
3. Keep the Dryer Area Clean
Dust, cobwebs and clutter around your dryer could increase the chances of a lint fire. A small fire could spread faster when it has more items to consume, so practice proper fire safety by cleaning around your dryer at least once a week. Sweep away hair, dust and lint, and then move the dryer to clean underneath it as well.
4. Call in a Professional
If you are unsure about how to maintain dryer fire safety, calling in a fire restoration and mitigation service for advice about placement and cleaning may offer you peace of mind. This can be especially important if you keep your dryer on the ground floor of your home where a fire might cause more damage.
Keeping your Nashboro Village, TN, home safe from a lint fire does not have to be difficult. Proper operation of the unit and keeping these tips in mind can safeguard your home and family.
Key Differences Between Storm Damage and Flooding
Commercial flooding in Smith Springs, TN.
Business owners in Smith Springs, TN, know the unexpected will eventually happen, which is why staying on top of insurance coverage is essential. When the next big storm hits, understanding what your unique policy covers ensures a smoother process. An important element of that is knowing the difference between flood damage and storm damage.
Storms vs Floods
While both may unleash excessive amounts of water, which often requires the help of a storm and water damage restoration professional, the source of the water and other factors determine the type of damage. The following are considered aftereffects of a storm and are typically covered:
- Torrential rains and thunderstorms
- High winds
- Ice, hail and snow
When it comes to flood damage, most businesses will need extra insurance to cover the damage. Flooding happens from:
- Inland rivers, lakes or other waterways overflowing
- Tidal waves and hurricanes
- Rapid and extreme rainwater accumulation
- Ice or snow suddenly melt
- Surface water runoff
- Landslides or mudslides
Dirty Nature of Floods
While any unexpected water may have contaminants, floodwaters are considered Category 3 water, also known as black water. This type is highly contaminated and may pose health risks. Depending on the source of the flood, it could be carrying sewage, organic matter, pesticides and other substances that require careful cleanup. According to FEMA, it is considered a flood if two or more acres of land that is usually dry is partially or completely saturated or it affects more than two properties. Since the cleanup and restoration is often much more extreme, it is recommended that businesses in flood-prone areas get additional insurance coverage.
After the storm hits, it's not also easy to tell if you are dealing with storm or flood damage. Knowing a few basics of how they are categorized makes it easier to prepare for the cleanup process and helps the claims process be clearer.
The Impressive Power of a Hail Storm
SERVPRO of Southeast Nashville are storm damage restoration experts.
Fortunately, hail storms don't come along very often. They require a precise sequence of weather patterns—an unstable air mass and a steep temperature gradient, for starters—that happens more frequently than a blue moon but less often than a regular thunderstorm. If you are like most people, you probably remember most of the hail storms you have witnessed. They are notorious for causing damage to cars, boats, windows and siding. A powerful hail storm also can cause roof damage, especially if the pieces of hail are large. As hail stones forcefully bombard the roof of your building it is not unusual to see shingle damage in the form of cracked or missing shingles.
Dealing With Hail Damage
If your company in Nashville, TN faces an onslaught of hail stones, the roof might not be the only problem you face. Along with roof damage comes water damage in the following forms:
- Water in the attic
- Wet insulation and walls
- Wet electronic components
- Mold growth throughout the building
After a big storm it is always essential to shore up your roof with repairs. This could come in the form of damaged shingles, battered gutters and missing chimney caps. A roofing contractor will make sure the roof is capable of keeping water from rain, snow, ice or hail.
Taking Care of Water Damage
If water penetrates your building envelop, it's critical to eliminate any excess moisture in your building. A professional storm mitigation company like SERVPRO of Southeast Nashville will have the resources and training to dry out your building and its contents. This task requires powerful fans, wet vacuums and air dryers to remove any standing water as well the moisture in furniture, paper documents, and clothing. Electrical systems may be compromised and need expert attention. If the roof damage to your building is extreme it is possible board up and tarp services will be needed to secure your building from additional storms.
3 Categories of Contaminated Water Explained
Drying services in Nashville, TN.
If you have flooding or water damage in your Nashville, TN home, it's important to understand what category of water caused it. The source determines the category of contaminated water and will affect how it is cleaned up.
Category 1 Contamination
Water in the first category is the cleanest. It comes from sanitary sources like:
- A broken supply line
- Overflowing water from a sink or tub
- A leaking ice maker
Category 1 water generally does not pose a risk to humans. It can be removed using vacuums, dehumidifiers and air movers. Even though Category 1 water is mostly clean, you should begin the drying process as soon as possible to avoid mold growth and secondary damage, such as warped floors, wet drywall or ruined furniture.
Category 2 Contamination
Water in Category 2 is also known as gray water. It includes dirty water from dishwashers and washing machines, aquariums, toilet overflow with urine and water beds. Water from Category 1 may become Category 2 water after 48 hours. It's best to remove affected carpet and padding because the organic material in gray water, along with moisture, can encourage mold growth.
Category 3 Contamination
Another name for Category 3 water is black water. This type of contaminated water results from an overflowing toilet containing feces, a sewage line or rising floodwaters. Floodwaters are considered Category 3 because they might contain chemicals like fertilizer, or organic material like animal feces or sewage backup. Category 2 water becomes Category 3 water if left untreated for more than 48 hours. Black water contamination is an emergency situation. A professional restoration company with special equipment can remove it and replace or restore your home's affected contents.
While no one likes to think of the possibility of flood damage or contaminated water in Nashville, a restoration company can help you safely remove and clean up water damage if the need arises.
How To Use SERVPRO To Help with Insurance Claims
Commercial fire in Nashville, TN.
How To Use SERVPRO To Help with Insurance Claims
When you call a claim services agent about your business in Nashville, TN, after a disaster, you want a quick response. You also want to be sure that everything is being done correctly. You're still running a business, so keeping track of the project shouldn't be your job, but whose job is it? Your local SERVPRO franchise is uniquely qualified to help you keep on top of the work that is happening throughout the entire process.
1. Prompt Response in an Emergency
When you think of emergency response, one of the most crucial aspects is the speed in which you get help. How supported you feel often shapes the entirety of the restoration experience. It's important that the person on the other end of the phone is confident, competent, and considerate, and that whoever comes to your property is prepared and professional. A SERVPRO team has a rigorous documentation process to adhere to that tracks your project from the first phone call.
2. Thorough Claims Inventory Service
The emergency remediation team keeps a record of every single thing that has been damaged and turns it into a detailed, itemized document with photos and descriptions. They can advise you as to whether something can be restored rather than replaced. You get copies of this document, as well as of everything else, throughout the remediation process, and they are also shared directly with your claim services representative.
3. Complete Pretesting Process
A complete pretesting process is undertaken to determine the extent of the damage to your business and to provide an accurate restoration quote before the work begins. This is an important step because it helps both you, the client, and your claim services agent know that you're receiving high-quality work at a fair industry price.
An emergency response doesn't have to be daunting if you choose to work with a company that understands the importance of organization and communication as its professionals help you get back to work.