Small Business Claims: Knowing Your Coverage
Water can cause significant damage in your office. This office suffered from water after a pipe break in the ceiling.
Claims For Small Businesses: Are You Covered?
Your commercial property in Anaheim, CA, must be insured for many reasons. The building could sustain damage, or someone could get hurt when they visit. Something as simple as a pipe break could become a major expense without the right coverage. It’s important to understand your insurance package so that you know when you have the right to file a business claim.
One thing you want to pay particular attention to is what your property insurance doesn’t cover. Water damage can happen as the result of many different situations:
- Leaky pipes
- Inclement weather
- Sewer damage
The problems caused by some of these incidents and the water remediation services required to fix them are likely to be covered by your standard property policy. However, flooding or secondary damage such as mold may need a separate add-on to keep you fully insured. Your business claim may also be denied if the damage is the result of neglect or improper maintenance.
Avoiding water damage in your building often comes down to how well you take care of your property. You can minimize your risk of leaks due to weather by keeping gutters and downspouts clean throughout the year. Don’t put off roof repairs. Have your roof inspected regularly so that you can fix problems that lead to leaks. As the weather gets colder, make sure your pipes are well-insulated, particularly if they are near exterior walls. Keep your building’s temperature at 55 degrees or higher to keep pipes in the walls and under sinks from freezing and cracking. Keeping up with these tasks allows you to safeguard against damage due to broken pipes or heavy rains.
Your commercial insurance is there just in case you need it. If you take preventative measures and keep up with your maintenance schedule, however, you are less likely to need to file a business claim.
How Much Can a Leak Cost You?
SERVPRO has trained restoration technicians ready to help you with any leak or water damage in your commercial property.
How Much Can a Leak Affect Your Budget?
A dripping faucet can be annoying, but even a steady drip isn’t going to make that much difference in your water bill. A water leak due to a damaged pipe, however, can send your monthly utility cost skyrocketing, especially if it goes undetected for a while. The spike in the water bill for your commercial property in Southwest Anaheim, CA, while potentially significant, may be the least of your financial worries, though.
1. Wasted Water
No business owner likes waste, particularly when it is expensive. Depending on how much water gushes out after a pipe break, you can spend $200 or more a day in added water costs. This relatively small amount adds up quickly the longer it takes you to find and repair the leak. Always be on the lookout for damage, such as ceiling tiles with water spots, particularly if they start dripping onto the floor below.
2. Structural Repairs
If a water leak intensifies or gets larger, your building is likely to sustain some water damage. This is where the problem starts getting more expensive. In addition to the extra utility costs, you may also have to cover repairs. Even if the water is clean, once the water saturates parts of the structure such as the drywall or floorboards, water restoration specialists will likely need to be called to tear out and replace the ruined materials.
3. Secondary Damage
When you have a leak, time is not on your side. You are on a race against the clock to turn off the source of the water, call the experts and get repairs underway before mold starts to grow. Fungus can infest the surfaces where it finds adequate food and water in as little as 24 hours. Because mold growth is preventable with quick action, your insurance company may not cover mold remediation under your standard property policy, which means you could have to pay for the cleanup yourself.
A water leak is not something you want to ignore. It can end up costing you thousands of dollars in utilities and repairs.
Will Renters Insurance Cover Fire Damage?
The best renters insurance policies will cover fire restoration or replacement costs.
Will Fire Damage Be Covered by Renters Insurance?
Renters insurance can cover several expenses associated with a fire in a rented apartment or house. Most policies provide at least some property, liability and loss of use coverage. The amount of coverage may vary. Learn more about what this type of insurance may cover before reviewing the terms of your policy.
A renter's policy should cover any losses a renter suffers due to a fire. This coverage is limited to the contents inside of an apartment or home and does not extend to the building materials or structure. There are several factors to consider:
- Does the policy cover replacement cost?
- Does the policy cover actual cash value?
- What are the limits?
The best renters insurance policies will cover fire restoration or replacement costs. The actual cash value of electronics or furniture may not be sufficient to restore or replace damaged items.
Most policies also include a limited amount of liability coverage. This coverage may extend to:
- Negligence resulting in an accidental fire
- Injuries to third parties
- Third-party property damage
In addition to these types of liability coverage, some coverage for medical payments to others may also be available. This is usually a small amount of no-fault coverage.
Loss of Use
Most policies also provide coverage for loss of use. This coverage will kick in if a rental property is uninhabitable, and may be used to offset:
- Additional living expenses
- Temporary relocation costs
- Other necessities
Be sure to review the terms of a renters insurance policy to determine how much coverage will be available in each of these areas. The property owner will need to assess damage and arrange for fire damage mitigation and restoration. If a fire breaks out in a rental property in Anaheim, CA, contact the fire department as soon as possible and notify both the property owner and your insurance provider.
Flooded Crawl Space: The 4 Most Common Causes
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The 4 Most Common Reasons For Flooded Crawl Space
Several factors can cause a flooded or wet crawl space, and not all the potential issues are expensive to fix. Before going to the expense of calling in specialists, you may want to review the most common causes of crawl space flooding.
1. Incorrect or Inadequate Grading
Incorrect or inadequate grading of landscaping is one of the leading causes of crawlspace floods. If the ground is not appropriately sloped, then groundwater, sinking to the lowest point, may collect under your home. Ideally, you should have a 5 percent grade away from your home.
2. Clogged Downspouts and/or Gutters
Another common cause of a wet crawl space is a clogged downspout or gutter. When either of these items is clogged, they do not adequately direct rainwater away from your home. Instead, the water overflows and runs down walls, collecting in the crawl space. The general rule is that people living near trees should clean their gutters at least five times per year, with the focus on spring, summer and Fall.
3. Overwatered Landscaping
Overwatering your landscaping can be another cause of a crawl space flood, primarily if the lawn is not graded properly. While bushes, shrubs and flowers can be beautiful, they can lead to issues if not properly planted and maintained. Some plants, like certain trees and bushes, can even cause foundational problems, like cracks, which can also lead to the buildup of moisture in the crawlspace.
4. Broken or Leaking Water Lines
Water line damage is not always apparent, especially if there is only a small leak, but one leak can produce thousands of lost gallons in a single year. If you are experiencing persistent flooding in your crawl space, and if grading and routine maintenance are not resolving the issue, then it may be time to call professionals from the Anaheim, CA, area.
A wet crawl space can be a frustrating problem, especially if you don’t know the cause. Typically, the cause can trace back to simple issues with grading or gutter maintenance, but if these common causes are not the culprit, seek professional assistance to inspect your water lines.
What Does Fire Cleanup Involve?
This home suffered from a fire loss, but SERVPRO responded immediately to clean the damage and restore the home back to pre-fire conditions.
What Is Involved In Fire Cleanup?
Fire cleanup starts with a thorough inspection and continues through mitigation and restoration phases. Depending on the extent of a fire, eliminating soot and smoke damage may take a long time. It is important to start the cleaning and restoration process as soon as possible after a fire to limit the extent of damage to a residence located in Anaheim, CA.
Inspection and Protection
A fire damage restoration company should inspect the extent of fire damage. These experts can provide several services such as
• Helping a homeowner obtain documentation to file a fire insurance claim
• Boarding up broken windows or covering roof holes with tarp
• Putting up security fencing to prevent unauthorized access to the residence
It is important to limit exposure and access to keep out debris and keep soot from getting ground into flooring material.
Removal of Contents
Contents exposed to fire or smoke damage will need to be cleaned or replaced. A cleanup service may provide
• Off-site smoke cleaning
• Soot damage restoration
• Storage options
It is a good idea to keep contents away from the site of a fire until the restoration process is complete.
The cleaning process may start with the removal of any standing water resulting from fire suppression efforts. A cleanup service will then work to remove smoke and soot from porous and nonporous materials and surfaces using specialized methods.
The restoration phase may involve purifying the air with one of the following methods:
- Air scrubber
- Air duct cleaning and filter replacement
- Hydroxyl or ozone machine
- Thermal fogging
- Vapor modification
Portions of a residence may need to be rebuilt depending on the extent of the fire damage. Reintroduce or replace contents only after restoration is complete.
Residential fire cleanup can be a very extensive process. For the best results, rely on experienced fire and smoke damage restoration specialists based in Anaheim, CA.
4 Times You Should Replace the Supply Lines in Your Bathroom
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Four Reasons To Replace Your Bathroom Supply Lines
Supply line damage is one of the most expensive claims made by homeowners. This kind of bathroom leak can remain hidden until it has done extensive damage, and if the supply line fails completely, it will spew around 50 psi of water into your home until you can locate the main shut-off valve. So how often should you replace your bathroom supply lines to avoid a supply line leak? Here are four times you should consider calling a professional in Anaheim, CA, to replace your bathroom supply lines.
1. Your House Is Over 65 Years Old
If you live in an older home, you probably have the original rigid copper, brass or galvanized steel pipe supply lines installed when it was built. The good news is these lines typically last a long time: 70 to 80 years for copper and 80 to 100 years for brass or galvanized steel. If you’re restoring an older home or replacing bathroom fixtures anyway, it may be a good time to update your supply lines.
2. You Have Rigid Plastic or Vinyl Supply Lines
These are the cheapest type of supply lines and they tend to fail faster than other types, sometimes in just five years. If you aren’t sure when they were installed, you’re better off upgrading before you develop supply line damage.
3. Your Washing Machine Is in Your Bathroom
If your bathroom supply lines include the line to your washing machine, you’ll want to keep it updated. Experts in Anaheim, CA, recommend washing machine supply lines be changed every three years because of how hard they work and how much damage they can cause if they leak.
4. You Notice Corrosion on Your Supply Lines
Flexible braided steel supply lines are one of the best types available and most come with a lifetime warranty, but they aren’t immune to corrosion. If your municipal water supply contains a lot of chlorine or you store bleach under your bathroom sink, you may be at risk for supply line damage due to corrosion. If you notice pits or holes in the steel, it’s time to replace them no matter how old they are.
Ensure Continued Operation Post-Flooding With a Business Continuity Plan
If you need help with storm damage in your business, SERVPRO is ready to help you to clean and restore your business, call us!
With A Business Continuity Plan, You Can Ensure That Your Business Can Continue To Operate After A Flood.
If you own a business in Anaheim, CA, you know that even a day of closed doors can mean hundreds to thousands of dollars in lost revenue. Unfortunately, Mother Nature does not care about income, and she can send an intense storm your way that will close your business for days, weeks or even months. To prevent the financial loss that is bound to result from such a closure, you need to have a business continuity plan in place. Here are a few good reasons why:
- Some storm damage is not easily fixed, even with professionals on your side.
- Insurance does not cover the loss of customers or market share, or compensate for the delayed release of a new product.
- While a disaster recovery plan is reactive, business continuity is a proactive plan for recovering from disaster.
Whether your building is at risk for flooding, high winds or hurricane, you need a plan in place to protect against loss. If you’re not sure how to develop such a plan, follow this basic guide.
Conduct a Business Impact Analysis
The first section of your continuity plan should identify the personnel and resources needed to maintain each department within your organization. Have each department manager list the systems, business activities and processes the department oversees and what is needed to continue operations.
Establish a Business Continuity Leadership Team
Even the best plans require a strong leader or leaders. Appoint a person or a team of people to oversee disaster recovery and response efforts. The employees selected should be extremely organized, adept at their jobs, great communicators and able to respond efficiently in urgent situations. You may consider appointing department heads, managers, officers or directors to assume roles on the disaster continuity team.
Implement Disaster Training
Finally, help your employees gain the skills and knowledge necessary to help you help your company when the need arises. You should conduct disaster recovery exercises periodically just to ensure that everyone is prepared.
Make sure you and your company are prepared. A continuity plan is essential for keeping your business up and running when disaster strikes.
3 Reasons Your Toilet May Leak When Flushed
If your home suffers any water damage by a leak or anything else, you can count on SERVPRO, we can help you immediately
When You Flush Your Toilet, There Are Three Reasons Why It Could Leak.
A leaking toilet in your Southwest Anaheim, CA, home can be troublesome, especially if it leaks each time you flush. Over time, your bathroom floor can suffer water damage or mold may start to grow around the tank if the area is constantly wet. There may be several reasons for the leak; however, some may be surprisingly simple to fix on your own.
1. Failed Seal
If the base of your toilet is consistently damp or if new puddles form when you flush it, this is usually the result of a failed wax seal at the bottom of the unit. This can be a common cause of leaks in older toilets, but you may be able to fix it by using a wrench to tighten the bolts at the base of your bowl. If the toilet leaks again when you perform a test flush, the wax gasket may need to be replaced.
2. Broken Flange
A bathroom leak can be caused by a broken flange underneath your toilet. This repair can be challenging, as you will have to remove the entire toilet to change the flange, but careful preparation can simplify it. The flange is located underneath the wax ring, which you will have to remove as well. A new flange and ring can be purchased at your local plumbing or home hardware outlet.
3. Loose Unit
Sometimes the fix for a leaking toilet can be quite simple. For example, if the bolts that hold the toilet to the floor have loosened over the years, it may leak when flushed. To repair this issue, loosen the bolts the rest of the way, press down on the unit to make a tighter seal with the wax gasket, then bolt the unit down securely. You may want to call in a flood cleanup and mold remediation company to have your bathroom checked and treated for mold.
A leaking toilet in your Southwest Anaheim, CA, home is cause for concern. However, the problem may not be as severe as you think, and knowing why these leaks are happening can help you repair them as quickly as possible.
3 Common Causes of House Fires and How To Prevent Them
SERVPRO is always ready to respond when you need it, we can clean the damage and restore the home back to pre fire conditions.
House Fires: Three Common Causes And How to Avoid Them
Practicing fire prevention can be an effective way to keep your Anaheim, CA, house safe. However, before you can prevent a home fire, it is important that you understand what causes one. There are several common reasons fires start inside a home, and you may be surprised at how activities you perform every day might contribute to a dangerous and costly blaze.
1. Careless Cooking
Careless cooking is a common cause of house fires, especially when pots and pans are left forgotten on the stove top. You may get distracted by phone calls, bickering kids or a television show in another room. Make it a habit to never leave cooking food unattended, and always carefully monitor simmering stovetop foods, such as rice or soup.
Arson often tops the list of common home fire causes, but not all cases are intentional. Many are caused by curious preschoolers playing with matches or mischievous older children burning items with lighters. You can prevent this by keeping matches, lighters and lighter fluid locked up and away from little hands.
3. Unattended Candles
Candles can cause fires when they are left too close to curtains or tablecloths or if you forget to blow them out before you leave the house or go to bed. It is wise to burn candles in enclosed containers or use wax melting devices, which are typically safer than an open flame in your home. There are also many candle alternatives that provide the same glow without the flame. Candles can leave soot marks on your walls and ceilings that often require the services of a fire cleaning company to remove completely.
You can be more confident about protecting your Anaheim, CA, property once you have the facts about what commonly causes a home fire. The more you know about the possible dangers, the more effectively you can protect your home and family.
Smoke Damage: What You Need To Know
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What You Should Know About Smoke Damage
If your business has a fire, you have a lot to do. Not only do you have to get a Southwest Anaheim, CA, fire cleanup crew to your building, but you also have to worry about smoke damage. This byproduct of fire is made up of the following:
- Carbon dioxide
- Carbon monoxide
- Harmful chemical from burning objects
With so much in the haze, it's not surprising that this smoke can do serious damage to anything it settles on. After a fire, you need to employ smoke cleaning services to save your building, equipment and other belongings.
Where It's Found
You may notice signs of soot on the ceiling directly above the fire, which isn't surprising. Walls, doors and windows could also be affected by the smoke. Any furniture, equipment, wall decorations and drapes may also have smoke and soot clinging to them.
This fire-related damage can be found in odd places on your property, too. The smoke may have found its way into filing cabinets and ductwork. Closed drawers and closets draw in the haze because of the temperature difference.
How To Clean It
Once you and your professional helpers have located all of the smoke, you need to start cleaning the walls and belongings. If you wait too long, the smoke odor may be embedded too deep into the fibers to come out. There are a lot of smoke cleaning techniques that can be used. The exact method you need depends on what's getting cleaned. Walls, for example, may use a spray and wipe method. Furniture may be cleaned with a foam cleaner. Documents, electronics and photographs may require the help of a specialist. You can rid the air of the odor by using ozone machines, air filtration devices and thermal foggers.
Fire can do a lot of damage to your commercial building thanks to the flames and smoke produced. No matter how much damage you have to deal with, you want to address the problems as soon as possible through fire restoration and smoke cleaning.