Answers to Basic Questions About Interruption Insurance
Standard property insurance covers a lot of the physical damages and losses that fire leaves behind, but it doesn't cover everything
Answers To Frequently Asked Questions About Business Interruption Insurance
Even if you've taken all the appropriate steps, your Woodinville, WA, business could still be affected by fire. When this happens, one of the most worrying aspects of the situation is how much money you could lose because of business interruption. Fire isn't the only emergency that could put your business in danger; other financial perils could include extreme weather, hail, windstorms, tornadoes, flooding, and other circumstances that may temporarily close your business. Protect your business with interruption insurance.
What Is Included in the Coverage?
Standard property insurance covers a lot of the physical damages and losses that fire leaves behind, but it doesn't cover everything. There are three main things that business interruption policies cover that your property insurance probably won't.
• Profits you would have earned during the time period
• Operating expenses you're still obligated to pay, such as rent
• Moving costs to your temporary location
Sometimes this type of insurance is called business income insurance.
Who Qualifies for Coverage?
Sadly, there are business owners who don't qualify for this protection. One of the primary qualifications for this type of insurance is a dedicated commercial location. If you run a small business out of your home, you probably won't qualify for the policy. However, you may be able to get a business owner's policy. Other aspects of your business that may affect your eligibility include the type of industry, your history of business interruption claims, and the location.
How Long Does the Interruption Coverage Last?
Fortunately for many business owners, interruption insurance is available for the entire period of restoration. This is defined as the length of time necessary for repairing, rebuilding, and replacing any of your property that is damaged or destroyed. It's a good idea to find out exactly what is covered before you talk to the fire restoration professionals.
As you put safety procedures in place and provide training for your employees, don't forget to research interruption insurance in Woodinville, WA. You'll want the peace of mind that comes from knowing your business won't fail when disaster strikes.
Water Damage and Your Business
This large commercial property in Shoreline, WA, suffered from an extensive water loss that caused damage to several floors on this property.
Your Company And Water Damage
Any prudent business owner in Shoreline, WA, will seek to minimize risks and mitigate damage wherever it occurs. If you find yourself with flooded business premises, take the following steps to begin the recovery proceedings.
1. Understand Your Coverage
Many commercial insurance plans will not cover environmental flood damage, such as the type from heavy rainfall or overflowing rivers, by default. By examining the particular climate risks for your area, you can better assess the potential for damage to your property and make an informed decision about which extensions and packages you may require to bolster your flood coverage.
2. Potential Applications
Once your business is covered, the safety net provided by a strong flood insurance policy is invaluable. Not only do these plans typically pay for the damage caused by high amounts of rainwater entry into the lower floors, they can also assist you in repairing various structural elements such as roofing and gutters that were dislocated or clogged by the rainfall. Depending on the policy and the circumstances of the damage to your flooded business, a pipe break may also be covered.
3. Other Considerations
Most insurers will also pay for a water damage restoration service after the sources of flooding are under control. These professionals can help restore drywall and flooring to its original condition, as well as dehumidify documents and electronics. Your insurer may require that you keep an up-to-date inventory of the affected items as the restoration process progresses in order to verify the costs involved. Note that most flood insurance policies will only begin to cover your business after a month has elapsed from the time of purchase, so it may be beneficial to select a policy quickly if you feel your place of business is at significant risk.
A flooded business can cause downtime and harm customer relationships. Prevent unnecessary damage and disruption by reviewing your flood insurance coverage options.
What You Should Know About Mold Growth on Paintings
There are various methods of mold cleaning that allow the mold growth to be eliminated and the painting to be restored.
Mold On Paintings: What You Should Know
Mold growth on your painting in Bothell, WA, can be devastating, and you may be unsure what caused the mold to grow or if the mold damage can be fixed. However, having a better understanding of mold and the mold cleaning process can help you protect your paintings.
What Causes Mold To Grow on Paintings?
Mold most often grows in wet or damp environments. There are several reasons mold may grow on a painting, including:
- High levels of humidity in the room where the painting is stored or displayed
- Water damage on a painting
- Having appliances that use water located near the painting
What Can Mold Do to a Painting?
In addition to making a painting less aesthetically pleasing, mold can damage a painting. There are several ways the presence of mold on a painting can affect a painting, including:
- Causing pieces of paint to flake off of the painting
- Causing discoloration or dullness
- Resulting in cracks on the surface of the painting
How Is Mold Removed From Paintings?
Many paintings that have been damaged by mold can be remediated. There are various methods of mold cleaning that allow the mold growth to be eliminated and the painting to be restored. One of the first steps in restoring a painting is to remove it from the environment that has caused the damage. After the painting is removed, professionals will then assess the damage in order to decide what needs to be done next. Finally, different paints, solvents and treatments are applied in order to bring a painting back to life.
Understanding common causes of mold growth and knowing how mold can affect a painting can help you take preventative steps to avoid mold growth on your paintings. However, if you do notice mold on your paintings, it can help to contact mold remediation specialists who can assist you in the mold cleaning process.
How To Fix a Leaky Faucet
A leaking faucet can lead to water damage or wastage. When you find it in your home, you should act quickly!
How To Repair A Faucet That Is Leaking
A leaking faucet can lead to water damage or wastage. Learn how to fix any type of faucet.
Prepare for Repairs
Start by identifying the faucet design. The most common types include:
- Ceramic Disk
Shut off the water supply by turning handles on under-sink pipes clockwise. Insert a plug to prevent components from falling down the drain.
Ball Faucet Repair
Ball-type faucets contain many parts. Obtain a ball faucet replacement kit and follow these steps:
- Unscrew and remove handle
- Remove cap and collar
- Remove faucet cam
- Take out washer and ball
- Remove inlet seals and springs
- Replace O-rings, springs, valve seats, and cam washers
Replacement kits contain specialized tools and parts. Purchase a kit from a home repair store.
Cartridge Faucet Repair
Cartridge faucet handles move up and down to regulate flow and left and right to control temperature. Follow these steps to fix a leaking faucet:
- Remove handle or decorative cap
- Remove retaining clip
- Pull cartridge straight up
- Remove faucet spout
- Replace rubber O-rings
Be sure to coat replacement O-rings with plumber's grease. Leaks typically result from worn-out cartridges or O-rings.
Ceramic Disk Faucet Repair
Ceramic disk faucets are durable designs. Follow these steps to repair this type of faucet:
- Unscrew and remove handle
- Remove eschutcheon cap
- Unscrew and remove disk cylinder
- Pry out neoprene seals and soak in vinegar
- Reuse or replace seals
It may be possible to reuse clean seals. Replace damaged seals to stop a leak.
Compression Faucet Repair
Damaged stem assemblies may cause a compression faucet to drip. Follow these steps to disassemble this faucet:
- Remove handles by prying off decorative caps and unscrewing
- Remove nut
- Pull out stem
- Remove and replace seat washer
Inspect the stem assembly for damage. Unscrew the packing nut to check for damaged O-rings.
It is possible to fix any type of leaking faucet. If you are not sure about the design, contact a plumber for a fixed leak. If a dripping faucet causes water damage, contact a cleanup and restoration company in Woodinville, WA.
How To Make a Home Fire Escape Plan
If your home suffers soot and smoke damage after a house fire, give SERVPRO of Shoreline/Woodinville a call.
How To Create A Fire Escape Plan For Your Home
A fire escape plan should account for the layout of a home and the needs of the occupants. This guide to making an emergency escape plan draws attention to several factors you should consider. Planning ahead can promote the safety of every occupant in a household in Shoreline, WA.
Plan Evacuation Routes
A fire plan should have at least two evacuation routes from every room in a house. To develop this plan you should:
- Work with an accurate floor plan
- Practice using evacuation routes
- Factor in the age and physical condition of occupants
If your home has two stories, you may want to invest in a non-combustible escape ladder. Keep hallways and other passages clear at all times.
Plan for Children
It is very important to account for children in a fire escape plan. In addition to child-appropriate evacuation routes, it is also a good idea to teach kids:
- How to roll out of bed
- Fire crawls
- How to check doors
You may want to test a fire alarm during drills so that children will associate these safety measures with the sound. It is important that kids participate in drills.
Plan for Pets
A homeowner can take several measures to promote pet fire safety. It is a good idea to:
- Post pet decals near the front entrance and exterior doors
- Store pet records in a fire box
- Practice evacuating with pets
A decal should indicate the number and type of pets in a household. A fire box can be easy to grab, but may also protect important documents if it is left behind.
The Red Cross provides further guidance on developing a fire escape plan. If a fire breaks out at your home in Shoreline, WA, contact the fire department as soon as possible. Once the fire is extinguished you should schedule a consultation with a fire damage restoration company.
4 Essential Water Damage Restoration Steps
SERVPRO of Shoreline/Woodinville has trained restoration technicians ready to help after water damage. Call us!
4 Steps To Recovering From Water Damage
Regardless of your building’ age, broken pipes and water damage may be serious concerns. Because excessive moisture can cause secondary mold contamination, it’s essential to respond to leaks and flooding quickly. To help ensure a timely and efficient water cleanup, you may want to consider consulting a professional restoration service. To safeguard your facility’s integrity, the team you hire should complete four key steps during the process.
1. Document Damage
Most commercial property insurance policies cover damage resulting from leaking pipes. To file a complete claim, you may need to provide evidence of destruction. For this reason, you should ensure someone takes photographs or videos before cleanup efforts commence.
2. Remove Saturated Items
Any standing or pooled liquid should be promptly drained from the premise. It’s also essential to remove every saturated item from your building. This includes office equipment, upholstered furnishings and carpets.
Water can also seep behind walls and soak insulation. For this reason, you should also remove and discard wet drywall.
3. Dry Affected Space
Water damage can result in substantial mold growth. To help reduce this risk, it’s important to thoroughly dry the affected area as quickly as possible. Your water cleanup team may open windows and employ fans and dehumidifiers to expediate the process.
4. Verify Absence of Moisture
Depending on the severity of flooding, it may take several days before the site is dry. Because mold is adept at growing within hidden areas, it’s critical to verify the absence of moisture before replacing destroyed flooring and drywall. Your restoration crew can utilize moisture meters to ensure the site is adequately dry and ready for the final phase of reconstruction.
Recovering from broken pipes and extensive water damage can be a daunting experience for any Bothell, WA, business. By completing these four critical steps, a professional cleanup team can help you efficiently evaluate and address the situation, allowing you to focus on vital business operations.
The Two Keys To Avoiding Winter Storm Damage
Regular maintenance can prevent winter storm damage, if you need help to know how you can do it, call SERVPRO.
The Two Crucial Steps to Avoiding Winter Storm Damage
When the weather outside in Woodinville, WA, is not delightful, you’ll be glad you prepared for the latest winter storm. You can prevent storm damage at your business with regular maintenance and minimize any unexpected effects with basic preparation. Even with a pipe break, maintenance and preparation will help you get back to business sooner than you think.
Avoiding Damage Starts With Smart Maintenance
Regular maintenance can prevent winter storm damage. Pay particular attention to these areas:
- Roof - Make sure the roof is leak-free. As water freezes it expands, so a small drip can create a bigger problem. Take care of it before that happens.
- Insulation - Be aware of any cracks in the walls or around doors and windows. Freezing air sneaking into walls can freeze pipes. Good insulation can help prevent burst pipes.
- Landscaping - Look at the trees around your building. Sick trees will be more likely to crack and fall. Removing those trees and overhanging branches now will save you from having to remove them from a broken window later.
Minimizing Recovery Takes Preparation
When the storm is on its way, taking steps to prepare will minimize any necessary post-storm work before you get back to business as usual. Protecting the things essential to your business is key.
• What are the most valuable tools and items in your business? Elevate them off the floor and cover with a tarp or plastic sheet. This will help keep those items dry in case off a pipe break or flooding.
• Where are your most important documents? Store printed documents in a waterproof container such a specially purchased safe. If they are electronic, store backup copies on a remote cloud or on a device you can place somewhere secure and dry.
• Where is your critical information? Keep contact information for emergency services, restoration professionals, business partners, employees and clients somewhere you can easily find it. You’ll be able to reach out to the people you need quickly.
You can minimize the stress of a winter storm with regular maintenance and a bit of preparation. By preventing damage and protecting your business, you can speed up the return to normal.
Is Black Water Really Black?
Water damage at your home can occur from a variety of causes. The difference in the three categories of water is the level of contamination involved.
Is It True That Black Water Is Truly Black?
Flooding at your home in Shoreline, WA, is never a welcome sight. However, some classifications of water damage are more serious than others. The three categories are commonly known as clean, gray and black. How do you know the difference? Can you tell by looking? Is black water really black?
What Does Category 3 Water Mean?
The labels of water refer to the level of contamination present due to the source of the flooding, and not the actual color:
- Clean, fresh water from pipes is considered Category 1 and not contaminated.
- Gray water from dishwashers or washing machines (Category 2) is contaminated with dirt and detergent, but not bacteria.
- Category 3, or black water, comes from highly contaminated sources such as sewage, toilet backflow with feces, river water, seawater or storm water from the ground. Contaminants in the water include microorganisms, bacteria and viruses that can cause serious illness if touched or ingested.
What Are the Benefits of Hiring a Professional?
A water restoration specialist has the training, equipment and specific techniques for dealing with this hazardous water category:
- Protective gear is used to protect the technicians from touching or breathing in airborne viruses from the tainted water.
- The unsafe area of your home is professionally contained during sewage cleanup to prevent both secondary damage and the spread of bacteria to other rooms.
- Porous materials exposed to the soiled water are disposed of and other areas are expertly cleaned and sanitized. Specialized filters clean the air.
Water damage at your home in Shoreline, WA, can occur from a variety of causes. The difference in the three categories of water is the level of contamination involved. Although black water may not necessarily be black in color, it is identifiable by the source typically from sewage or storm water seeping through the ground. In this case, contact a professional to mitigate the damage.
Five Leading Causes of Home Fires
If your home suffers soot and smoke damage after a house fire, give SERVPRO a call. Our team of fire damage experts will restore it efficiently.
The Top 5 Causes of House Fires
Have you ever wondered if one type of incident or action is more likely to lead to a home fire than another? As it turns out, there are five fire causes that are more prevalent than others. Read on to learn what they are and what you can do to avoid them.
Cooking fires are the number-one cause of all fires in the United States. They usually occur when someone leaves a kitchen appliance unattended while cooking. Frying creates the greatest threat.
2. Heating Appliances
Devices such as furnaces and space heaters also pose a great fire risk. Much like with cooking fires, many of these accidents happen when a piece of equipment is left unattended or if it is operated incorrectly.
3. Electrical Gear
A home fire can also be caused by equipment used for electrical or lighting purposes. This includes lamps, power outlets and other objects that run on electricity. Once again, careful and attentive operation of electrical devices is crucial to stay safe.
4. Intentional Situations
Unfortunately, many fires are started intentionally by those wishing to create chaos and destruction. Arson makes up the fourth largest category of household fires in the United States. Many perpetrators are under the age of eighteen.
5. Smoking-Related Accidents
Smoke-related fires are the fifth most common kind in the United States. Always practice common sense safety procedures if you are planning on smoking in or near your Bothell, WA, home.
A home fire is never pleasant to think about, but knowing the leading causes of these disasters can help you to avoid some of them and the aftermath of a fire, which can include fire cleaning. Remember to always call for help and evacuate the premises if a fire begins at home. Being educated is one of the first steps to take in order to keep your house, your family and yourself safer each day.
4 Ways To Protect Your Family and Your Home From Fire
If your home suffers soot and smoke damage after a house fire, give SERVPRO of Shoreline/Woodinville a call.
4 Fire-Proofing Techniques For Your Family And Home
A home fire in Woodinville, WA, is a concern for every family, and you should be prepared. There are four key fire preparation and fire safety measures that you should implement.
1. Install Smoke Alarms
Generally, the most important measure you can take is to have smoke alarms installed in your home. Alarms can serve as an early warning system. Place a smoke alarm on every level of your home and inside and outside each bedroom.
2. Maintain Your Smoke Alarms
Alarms are worthless if they aren’t working. As part of your fire preparation, replace the batteries once a year. Test your smoke alarms every month, and change batteries as needed. Make sure everyone knows the alarm sound and what to do if they hear it.
3. Establish Fire-Safe Habits
Make yours a smoke-free home. If you smoke, do so outside. Never smoke in bed or when impaired in any manner. Dispose of ashes and butts with water.
Do not ever leave burning candles unattended. Keep flammable items at least three feet away from space heaters or anything hot. Turn off portable heaters when you go to sleep or leave the room.
4. Have a Fire Safety Plan
Prepare a diagram of your home, and show each family member two ways to escape from each room. In the event of fire or an alarm, get low, go and stay out. Establish a family meeting spot outside your home away from the house. Additionally, specify one emergency contact for family members to contact if they are unable to locate other family members following a home fire.
Practice fire drills twice a year. Press the test button on your smoke alarm, and everyone should leave your home and go to the meeting spot.
Fire preparation is important for you and your family. If you have a fire, contact a restoration specialist for help.