Types of Water Damage After a Fire
Invisible mold spores can penetrate the air and a musty odor indicates their presence
Ways Water Can Damage Your Business
If a fire accidentally breaks out at your business in Tuckahoe, NY, water cleanup may not immediately occur to you. Your immediate concerns will focus on the following:
- Safety of your staff
- Evacuation of the premises
- Extinguishing of the flames
- Damage to your property
Although smoke cleanup is necessary, most people don't realize that a significant part of the fire cleanup work performed by restoration professionals is due to the water used to extinguish flames. These are some ways water can damage your business.
Mold Spores in the Air
It is critical to extract as much water as possible from the environment after a fire. Restoration services can employ rigorous water vacuuming methods to remove moisture before mold can develop. Invisible mold spores can penetrate the air and a musty odor indicates their presence. Air filtration devices using charcoal lined HEPA filters can remove mold particles and restore pure air.
When valuable documents are water-drenched, it may be possible to salvage them. Although some damage is irreversible, vacuum freeze-drying is an effective procedure that prevents additional water damage freezing the document and removing the water in the form of vapor. This method can helps to retain the structural integrity of the paper's fibers.
Water-drenched electronics require prompt attention but may not be reparable. Corrosion prevention is a primary concern. Trained technicians will dry the outer case of the equipment and perform delicate procedures to dry the interior parts. Water cleanup for electronics is often unsuccessful
Drywall frequently absorbs much of the water emitted from a fire hose. Wet drywall is a breeding ground for mold and must often be cut out and replaced. Mold remediation specialists can remove and patch section of moldy drywall before mold spores migrate deeper into a wall.
One of the most labor-intensive aspects of dealing with the aftermath of a fire is the water cleanup. Experienced fire restoration professionals in Tuckahoe, NY, are available to help.
Will My Business Insurance Cover Water Damage?
Will my business insurance cover water damage?
What Does This Type Of Policy Covers
When you own a commercial building, you’re responsible for making sure the building is safe and usable for your tenants, customers and/or clients, and for ensuring that any water damage is repaired quickly and properly. Insurance coverage can be complicated, so it’s important to understand what your policy covers.
Causes and Types of Damage
Water-related damage in commercial buildings is often caused by broken pipes, roof leaks, pipe leaks or clogged toilets, each of which can cause myriad kinds of property damage, such as:
- wet, stained or destroyed flooring, carpet and rugs
- damp, cracked or stained drywall
- structural damage to walls or floor joists
- mold growth
Standard Property Coverage
Most commercial property insurance policies cover breaks and leaks that are not due to ordinary wear and tear. In most cases, insurance will pay for the initial restoration and repair, so long as the work is performed by a water remediation company that is approved by the insurance company.
Common Policy Exclusions
Water damage that could or should have been prevented by regular maintenance is almost always excluded. Examples of maintenance mistakes that could negate coverage include failing to properly maintain pipes, not discovering slow leaks within a reasonable time, and allowing gutters and downspouts to become clogged. Property owners often attempt to handle water cleanup themselves to avoid an insurance claim, but if any water remains, it could lead to mold growth or structural weakness. Most commercial insurance policies specifically exclude mold removal or other damage caused by insufficient initial cleanup.
The list of damage-causing events that are typically excluded from most commercial insurance policies is lengthy, so it’s wise to read your policy thoroughly. Locate a restoration company in Bronxville, NY, to call if water damage occurs in your building. Inadequate cleanup can lead to additional damage that insurance won’t cover, so don’t take the risk of attempting to do it yourself.
3 Ways Storms Damage Residential Contents
Ceiling damaged by storm
Three Ways Storm Damage Necessitates Content Cleaning
When a storm breaches a residence in Scarsdale, NY, precipitation and wind can damage interior contents. Overhanging or surrounding trees and items stored outside may become falling or flying debris.
1. Leaks Introduce Moisture
Roofing can stand up to a considerable amount of impact and only sustain mild to moderate damage. These incidents should not affect the interior, given timely repairs. Over time, water can work through layers of roofing materials and reach the interior of a structure. Sudden, severe damage caused by the impact of falling or flying debris can cause a major leak. Water damage from roof leaks is initially Category Two, although standing water from a persistent leak can degrade to Category Three black water.
2. Breaches Admit Moisture and Debris
A breach in the building envelope allows precipitation and humidity to affect the condition of contents. Furniture and possessions may become damp or stained and could support mold growth without timely content cleaning. If a storm breaks windows, blows open doors, rips off siding or causes flood damage, a homeowner or resident should board up or tarp over surfaces and arrange for storm damage cleanup and restoration.
3. Wind Damages and Scatters Contents
Many types of severe weather involve high winds. If any part of the building envelope is compromised, wind can cause major damage. In the event of a major weather event or natural disaster that affects many households, a restoration company with franchises across the country is prepared to respond to spikes in demand in any region.
These are three ways in which the contents of any residence might sustain damage from a moderate to a severe storm in Scarsdale, NY. The materials from which a structure is built and the integrity of a building envelope may determine the extent of content cleaning necessary after a roof leak or structural breach.
Preventing Secondary Damage
Ventilate wet areas by opening windows
It's important to act quickly if your home in Secor Gardens, NY, has been affected by water damage. Failing to properly remediate water damage in a timely manner can result in various different kinds of subsequent issues, such as black mold, warped flooring, and other types of structural problems.
What is Secondary Damage?
It's not uncommon for small floods or leaks to go unnoticed for long periods of time, and subsequent damage can occur days, weeks or even months following the initial incident. Some common examples of the damage that can follow include:
- Black mold growth
- Cracking plaster and sheetrock
- Warped walls, floors and ceilings
- Water stains
Standing water eventually evaporates on its own if the damage isn't properly addressed in a timely manner. Eventually, the air becomes saturated with moisture from the standing water, resulting in dangerously high humidity levels. Once the air becomes oversaturated, the moisture is driven into the drywall, ceiling tiles, furniture and other places in your home.
How Can You Prevent Secondary Damage?
The key to preventing subsequent moisture damage is catching and reacting to the initial flood as quickly as possible. The following strategies can also help you reduce your chances of experiencing moisture damage:
- Mop up any standing puddles.
- Ventilate wet areas by opening windows, using floor fans, or the AC unit.
- Open furniture drawers to allow them to air out.
- Move electronic devices and sentimental possessions to dry, elevated areas.
- Hang blankets, furniture skirts and curtains up to dry.
- Elevate furniture on aluminum foil to prevent stains.
Because water damage can go unnoticed for long periods of time, it's important that you also perform regular home inspections to check for signs of leaks or flooding.
Reacting to accidents in a timely manner is the best way to prevent secondary damage, such as black mold, cracked plaster, warped flooring and much more. If your residential property has recently experienced any type of water damage, it's vital that you contact flood remediation experts as soon as you can.
How To Thwart Black Mold After Rain
Mold growth on corner of a wall due to a leaking roof
One great fear of any homeowner is discovering black mold lurking in the shadows. Because fungi require wetness to thrive, the mess often surfaces after heavy rains. Thankfully, easy preventative measures can be taken to inhibit the matter from developing.
Finding Black Mold After Rain
Following storms, consult your nose to determine where a moisture problem may exist. When offensive smells are unmasked, look for structural faults such as:
- Leaky roofs
- Windows with loose sealing
- Damaged basement bulkheads
Older homes deserve greater attention, as aging buildings suffer from higher vulnerability.
Ignoring issues may ultimately require assistance from a mold restoration service. Before a mold cleanup project becomes necessary within your residence in Yonkers, NY, impede the advancement of black mold by following the below guidelines.
Reducing the Chance of Black Mold After Rain
Learn to identify leaks and take fast action to bring them to a halt. Applying a bit of plumber’s epoxy may be the easiest and cheapest response you can take to hamper the development of a much greater predicament.
Dry anything wet. This may seem obvious, but it’s easy to overlook matters such as carpeting, curtains, and furniture. Place a dehumidifier in front of heavy or affixed items and open every window. Articles that can be carried, such as clothing or towels, can be brought outside to dry naturally.
Apply disinfectant wherever dampness is noticed. It is always better to overextend oneself when attempting to head off potential growth than it is to underperform and hope for the best. Remember that cleaning agents are vastly cheaper than mold removal and structural renovations. Then, you can rest easy knowing your due diligence may have staved off a serious condition.
A black mold infestation is unwelcome under any circumstances and rainfall is a primary catalyst. After storms hit your neighborhood, inspect your house and take fast preemptive action wherever appropriate.
Understanding Commercial Fire Damage
Fire damage in a warehouse
What to Do in a Commercial Fire Damage Scenario
Fire damage is a catastrophe. The damage to property is significant. Fast response is critical to prevent an increase in your loss burden. It is, therefore, important to pay attention to some issues if you find yourself in such a situation.
Desist from Using Electricity
The first rule in any fire situation is to avoid operating the switches. The risk of an electrical fire is quite high when the lights are turned on or off. The only switch you should reach out for is that of the fire distress call. The alarm triggers an activation of the fire suppression systems that are inclusive of a warning system, and a fire sprinkler system.
Vacate The Premises
Your first action should be evacuating the building. Once the alarm is sounded, let the skilled individuals deal with the rescue efforts. Every organization ought to have trained personnel on matters of safety in emergency predicaments. Their training qualifies them to use the fire hoses, and anything useful in the utility room with fire combating tools.
Call Emergency Rescue Teams
Alert the local law enforcement, paramedics, firefighters, and any other organization with fire trucks. All fire suppression efforts will be needed to save lives and property.
Clear the Scene
There is the temptation to witness the tragedy. In doing so, you pose a danger to your life. Crowding at the scene affects the fire suppression efforts. Such groups make it hard for firefighters and fire trucks to access the site.
How to Safely Clean an Outdoor Grill
Outdoor grill in Mount Vernon, NY
How To Clean an Outdoor Grill
There's nothing quite like gathering your friends and family for a few char-grilled burgers, steaks, hot dogs, or whatever else you like to cook. After you're done cooking, it's important that you follow the proper grill cleaning and maintenance steps in order to reduce your risk of a grease fire. Use this checklist next time you use your backyard grill in Mount Vernon, NY.
1. Turn Off and Disassemble the Grill.
Before you start your grill cleaning, you need to turn it off. Turn all the dials to the off position and disconnect the propane tank. Next, put on some heatproof gloves to remove the grate and the plates underneath. Set these off to the side in a bucket full of hot, soapy water.
2. Scrub the Grill Itself.
Cover the burners loosely with a piece of foil to protect them during this process. Use your grill brush to scrub the underside of the grill's hood and inside walls. Don't worry you appear to see paint chipping off; this is merely grease and carbon smoke buildup. When you finish, wipe down the grill walls with a damp paper towel.
3. Empty the Drip Pan and Dry the Grill Elements.
Take out the drip pan and empty the contents into a trash can before placing it in the bucket with the grate. Let it soak for a few minutes before taking everything out of the bucket. Lean everything that was in the bucket against a wall and hose it down.
4. Reassemble the Grill.
Remove the protective foil and replace the elements that you just hosed down. Reconnect the propane tank. Finish by wiping down the grill's exterior with a stainless steel wipe.
Backyard grilling is a great summertime family activity, but you still need to prioritize safety while you do it. Proper grill cleaning and maintenance can greatly reduce your risk of falling victim to a grease fire. Contact fire remediation experts if your home does fall victim to a grill-related fire, or you would like more grill maintenance tips.
Business Interruption Insurance: A Good Investment?
Business interruption is an investment, a hedge against the risk of uncertain loss
Major disasters can mean your business must close temporarily, then rebuild its commercial momentum on reopening. Calamities, for instance like a Category 5 hurricane, can test the resilience of even the most successful, financially sound venture. To offset the often steep costs of a business interruption, business income insurance can help ease the economic pain as you reopen, regroup, and reestablish the daily business of business.
This insurance covers a variety of common business costs:
- Lost net income
- Mortgage, rent, and lease payments
- Loan payments
- Employee payroll
What's Not Covered?
Be sure to note what this insurance doesn't cover. Additional insurance may be needed for the following:
- Broken items (glass)
- Flood and earthquake damage
- Undocumented income (not listed in financial records)
Businesses with 100 or fewer employees and revenues up to $5 million are the norm. If yours is a small to midsize business, you can purchase a business owner's policy that combines property, liability, and BI coverage, which bundled together is typically more cost-effective than buying separate policies.
How Long Does BI Pay Out?
Business income (or interruption) insurance is usually limited to 30 days; however, extensions up to 360 days can further buoy up operations as your business works to rebuild its revenue stream. Typically, policies have an initial 48-to-72-hour waiting period before reimbursement.
How Much Coverage Is Enough? And How Much Does It Cost?
Consider your business' gross earnings and revenue projections to get a ballpark estimate of adequate coverage. Cost factors vary according to location, such as Elmsmere, NY, industry, employee count, amount of coverage, and your claims history.
Unfortunately, a sudden emergency and a closed business can leave you with lost revenue, ongoing fixed expenses and even new monetary outlays. Sometimes there's a need for damage restoration services before you can rebuild operations to pre-closure levels. Business interruption insurance can neutralize these financial pressures. Like any insurance, BI is an investment, a hedge against the risk of uncertain loss. It's worth considering.
Creating a Business Continuity Plan in 4 Steps
Create a business continuity plan
You Can Begin Creating Your Plan By Following The 4 Steps Outlined Below
By planning ahead and developing a business continuity plan, you increase the chances that your business can remain operational even during a disaster. If your business has to close unexpectedly due to flooding or another problem, you could lose money and customers. When you have a well laid out plan, you give yourself a better chance of keeping the essential parts of your business operational.
1. Completing a Business Impact Analysis
Begin by identifying each of your business processes and functions. Then, determine how long your business could function without each of the processes and functions you identified. You can keep an organized record of your findings by using a worksheet template that keeps track of your operational and financial impacts.
2. Determining Recovery Strategies
Use your business impact analysis to identify your most critical business processes and functions. Beginning with the most critical, determine what resource requirements would be needed to keep those processes operational or what it would take to get them back online. Resources could include items such as employees, contractors, equipment, inventory, or third party services.
3. Creating a Plan
Use everything you have learned so far to create your business continuity plan. This document should include workarounds, IT disaster recovery procedures, relocation plans, and an emergency response plan.
4. Performing a Walkthrough
The best time to try out your plan is before disaster strikes. Doing a walkthrough with the key players will help point out any defects or missing parts of the plan. If any problems are found, update your documents and then do another walkthrough of the procedures.
Once you have a business continuity plan in place, you can have confidence that you will know what to do if you experience a disaster. If you sustain damage and need help restoring your building in Eastchester, NY, call a professional remediation service for help.
3 Benefits of Choosing a Mold Inspection
Take all precautions to ensure a safe environment for your employees and customers by having a mold inspection done and addressing any issues.
If you're considering buying or leasing commercial property, there are many things to consider. You need to have many inspections performed before completing the transaction -- and a mold inspection may be one of them. While this isn't usually included in a standard inspection, you should consider having one done. If the property has experienced water damage or has visible mold, this type of inspection can be crucial. Here are some benefits of having this service done:
1. Be Informed
Buying or leasing property in Scarsdale, NY, can be expensive, so you want to spend your money well. Part of making the best decision is knowing what you're getting. Inspections provide you with the full information on the property's condition so you can make the smartest choice. Having the facts about a potential property can be invaluable for planning your time and budget for success.
2. Be Safe
Inspections help ensure the property is up to standards and safe to inhabit. Even if a building doesn't currently have a mold problem, it could develop issues if the conditions are right. The property may have areas that are at risk for mold, and an inspection can identify potential future issues. A mold inspection may reveal leaks or hidden areas of trapped moisture, and these areas are prime for mold growth.
3. Be Prepared
Inspections help you make plans to bring a property up to standards if it currently fails. When a mold test comes back positive, it doesn't mean that the building can't be used. But it does mean you will have to collaborate with experts to create a mold remediation plan. Taking action quickly helps eradicate mold problems and saves money in the long run, as you can prevent structural damage from occurring.
Choosing a commercial property is a big task. It can be exhilarating to imagine the location of your business. Take all precautions to ensure a safe environment for your employees and customers by having a mold inspection done and addressing any issues.