Recent Commercial Posts
What Is Included in Commercial Insurance Fire Damage Policies?
Here's What Is Usually Covered By Most Insurance Policies
Fire damage is one of the most frequent insurance claims in the United States. In 2017 alone, almost 500,000 structure fires were reported, causing around $10.7 billion in damages. Not only do fires cause damage with the heat and combustion, but smoke gets everywhere and fire-fighting substances, such as water and foam, cause tremendous damage. Here’s what is usually covered by most insurance policies in Edmond, OK, although it should be noted that each company has different terms.
Depending on the policy and property ownership, your policy may cover repairs and replacements to the structure, including
- Supporting structure
- Stucco, siding and concrete
- Plumbing and heating systems
- Interior walls, framing and painting
Ask your insurance adjuster if these are covered by your policy. Even if you rent your location, some policies will cover these types of damage, often under general liability, in what’s called “damage to premises rented.” Note that your coverage should include replacing items, such as carpet and roofing tiles, if a perfect match isn’t made between the replacement items and older ones, under the “uniform and consistent appearance” clause.
Fire Damage Coverage
Most items are covered by the majority of commercial property insurance policies. However, there are exceptions, and terms of individual policies can vary widely. Some policies cover actual cash value (the original value of the item minus accumulated depreciation), while others cover replacement costs. Replacement policies cost more but can help avoid massive out-of-pocket expenses.
Your policy may cover fees charged for fire-fighting services and smoke damage. Some policies include coverage for loss of business income during the disaster and the recovery time. Mold damage may be included, but this is now often being specifically excluded, so check to make sure you have a mold endorsement.
Fire damage to your business in Edmond, OK, doesn’t have to be the end. If you are careful and read your insurance policy, most forms of fire mitigation can be covered, not only providing peace of mind but possibly avoiding a bankruptcy and closing of your business altogether.
How to Keep Your Employees Safe During Mold Removal
If you find mold in your Oklahoma City, OK, building, you should have it removed as soon as possible. In most cases, you will likely not want to close your business entirely during the mold removal process as this can result in lost profits. It is important, however, to keep the safety of your employees in mind. The following are a few ways that you can help prevent them from having to work in a contaminated environment.
1. Use Containment Methods During Removal
While mold removal is being done, the workers will likely set up containment areas to keep the mold from spreading throughout the building. This will help keep the areas where employees are still working clean.
2. Provide Protective Items
If the area has been contained but you are still concerned about the safety of your employees, you may feel better if you provide them with some protective gear. Face masks will help prevent them from breathing in any contaminated air. Investing in an air purifier with a HEPA filter is an option as well. These remove black mold spores and other impurities from the air, ensuring the area will be safe to work in.
3. Have Employees Work From Home
In cases of extreme mold growth, you may not feel comfortable having your employees come into work. If this is the case, you can always have them work from home. Depending on the severity of the contamination, removal can take more than a week, so closing the business during the process is not ideal. While there may be some limitations when work is done this way, it might be better than your other options.
When you need to have mold removal done, it is best to hire a professional mold remediation specialist. They will have the necessary training and experience to clean the area without creating a more hazardous environment for your employees. They will get the job done as quickly as possible, so you can get back to work sooner.
How Fire Sprinklers Work
Fire sprinkler in Edmond, OK
A fire sprinkler system can minimize structural damage and save lives. Knowing about these important devices can help you make informed decisions regarding fire-prevention for your Edmond, OK, business.
Types of Sprinklers
There are a variety of sprinkler systems currently available to business owners. They work differently and are suited for different businesses and building types. Here are five common systems:
- Wet pipe
- Dry pipe
Deluge and foam sprinklers are ideal for industries that deal with flammable materials. The foam systems use foam as well as water for fire suppression, and deluge systems activate all heads at the same time, making them ideal for fires that could spread quickly over a large area. Wet pipe sprinklers keep water in the pipes at all times, so they can quickly extinguish a fire. Dry pipe systems, on the other hand, only receive water when the sprinkler heads are activated. Because they do not have water in the pipes at all times, they are ideal for cold climates where water could freeze and become stuck in the pipes. Pre-action pipes are a combination of wet and dry pipe systems, and are usually used in museums, libraries and other places with valuable materials.
How Sprinklers Work
Most fire sprinkler systems are heat-activated. When extreme heat from a fire reaches the sprinkler head, it bursts and water flows out. Usually, only one sprinkler head is activated because it suppresses the fire before the heat can reach the other heads. This minimizes both fire damage and water damage. Other systems have a different activation method that sets off all heads at one time. Ask your sprinkler technician if you have any questions about what type of system you have or how it works.
Although fire sprinkler systems minimize damage, you may still need help with the fire restoration process or fire sprinkler cleanup. An experienced restoration company can help you get your business back to normal quickly and safely.
3 Strategies Other Countries Use To Prevent Flooding
The Thames Barrier of London
Learn About These Flood Solutions
Flooding is a problem that impacts not just businesses in Edmond, OK, but also populated areas around the world. Engineers from these nations have created effective strategies to mitigate high water, which prevents flooding and water damage. Business owners and residents operating in US cities near water can benefit from learning about these flood solutions.
1. The Delta Works
People in the Netherlands have always lived on land that is usually below the sea level. Therefore, they have created numerous inventive solutions to stop flooding. One of these projects is the Deltawerken, or the Delta Works. It is a system composed of structures such as dams, storm surge barriers and sluice gates. Construction started in 1950 and concluded in 1997. The most impressive part of the project is the Oosterschelde, which is composed of multiple gates that can be moved.
2. The Thames Barrier
The Thames River in England runs the risk of high water during large storms or natural disasters. However, this area is also necessary for ship transportation. First constructed in 1974, the Thames Barrier uses hydraulic beams to turn the steel water gates toward each other and create a barrier that prevents flooding. Operators usually leave the barrier open to let ships go through, but close it when flood prevention is necessary.
3. The MOSE Project
While the famous water streets of Venice, Italy impress locals and tourists alike, they can also present a dangerous flooding hazard that necessitates emergency restoration services. The government has enacted the Modulo Sperimentale Elettromeccanico (MOSE), or Experimental Electromechanical Module, which is composed of around 78 barriers facing the Adriatic Sea that can be activated separately or together. Construction has begun in 2003 and full implementation is not yet complete.
The threat of high water is present in several cities throughout the world. The US and other countries can learn from these experiments to develop their own anti-flooding strategies.
3 Tips for Dealing with Mold on Commercial Property
Mold damage on baseboard wall in Oklahoma City, OK
3 Tips for Dealing with Mold on Commercial Property
When you’re worried about finding mold on your Oklahoma City, OK, business property there are a few things you might consider doing to remedy the problem, even if black mold is present. Here are a few things you may want to know.
1. Call a Professional
One of the first things to remember when dealing with mold is that it’s recommended that you contact a local mold remediation professional to help with cleanup and repairs. These professionals will know how to properly section off the affected area to prevent further spreading, as well as how to locate and remove the spores. They can also help sanitize and clean the area, and make any necessary repairs.
2. Make Repairs Quickly
When dealing with a problem such as black mold it’s important to act quickly. Doing so can help prevent further spreading of the spores. If there is a moisture problem in the area it will be important to take care of that, as well to help prevent a recurrence of the mold. Staying on top of maintenance needs can help you spot problems while they are still small scale.
3. Mitigate Future Damage
Another aspect of mold cleanup is taking steps to mitigate future damage. This can mean locating the source of moisture the mold was living on, and repairing the problem. You may need to fix a leak, or take steps to mitigate flooding such as sloping landscaping so water flows downhill from the property. You may also want to check areas around the roof and windows for possible moisture pockets, and trim trees away from the building so that branches can’t fall into the property during a storm creating a place where rain could get in.
When removing a mold such as black mold from your company property it’s important to remember to call a professional. It’s also important to make repairs to water damaged areas quickly, and to take steps to mitigate future problems.
How Professionals Can Clean Up Your Office Contents After a Flood
Computer damaged by water
How Professionals Can Clean Up Your Office Contents After a Flood
Content cleaning specialists can assist companies that sustain storm damage. Some porous items in the office may have to be thrown away during this flood cleanup process. This is especially true if they have been affected by potentially toxic black water.
Still, emergency restoration experts may be able to save assets made of non-porous materials. Read on for more.
Your office building likely contains many important electronic devices. A storm cleanup company can help dry and restore these items, including:
You and your employees should avoid turning on or using any of these devices until they are fully dry. Instead, let the professionals handle the items. They will wash off the electronics to limit additional corrosion. They will then let a qualified technician further inspect and clean the items.
While much of society is digitized today, you probably have some important paperwork in your commercial building. These may include photographs, magazines, files, blueprints or contracts.
Content cleaning experts can use gamma irradiation or similar processes to disinfect these documents. They can then utilize a variety of techniques to remove the water, including freezer drying, air drying, vacuum freezing, vacuum thermal drying and dehumidification.
Cleaning General Office Contents
Other items in your office can be saved from flood damage, as well. Professionals will use different strategies depending on the materials involved. Those with lighter stains may just require dry cleaning. Belongings with heavier residue can be restored using a wet cleaning process.
Items that cannot withstand traditional cleaning methods may be sanitized using a spray-and-wipe technique. Meanwhile, foam cleaning works particularly well for furniture made of upholstery fabrics.
Experts may also dip damaged items into a bath made of cleaning solution, a process known as immersion cleaning. They may additionally utilize abrasive cleaning, which involves agitating dirty surfaces.
Severe flooding does not have to destroy your Edmond, OK, business. With the help of content cleaning specialists, you may be able to restore many of your assets.
3 Steps To Take After a Water Pipe Break at Your Business
Commercial water damage in Oklahoma City, OK
Steps To Take To Protect Your Commercial Property and Contents After a Pipe Break
Dealing with water damage at your Oklahoma City, OK business can be difficult. Whether age, damage or cold weather is causing bursting pipes, taking quick action could reduce repair costs and save valuable inventory. Once a pipe break occurs, there are a few steps you can take to protect your commercial property and its contents.
Shut Off the Main Water Supply
Once you realize a pipe in your building has burst, it is wise to locate and turn off the main water supply valve. This can reduce the amount of flooding that can otherwise occur. You may want to be aware of the location of the shutoff switch beforehand so you can stem the flow of water as quickly as possible. If you rent your commercial space, ask your landlord about the location of the main water supply valve and alert any managers to its location in case a bursting pipes emergency takes place when you are not present.
Seal Off Affected Areas
You can reduce water damage to adjacent areas by shutting or sealing off doors. For example, if a pipe burst in a restroom, you can seal the bottom of the door with towels to prevent water leakage. Ask your employees and customers to clear the area so you can be assured flooded rooms remain secure until professionals can examine and fix broken pipe components.
Call in a Water Damage Remediation Service
A burst pipe can cause a great deal of trouble in a matter of minutes; however, other issues, such as mold growth and warped building materials, can be prevented by calling a flood control and remediation service to inspect and repair your property. Water damage in Oklahoma City, OK can be common during cold weather snaps, so it is a good idea to have a working relationship with this type of service if you own a business.
One or more bursting pipes at your Oklahoma City, OK business can have serious consequences to your equipment or inventory. Knowing which immediate steps to take afterward can help you minimize damage and the cost of future repairs.
Keeping Your Restrooms Clog Free
One clogged toilet in your building in Oklahoma City, OK, can cause water damage
Four Tips for Keeping Your Restroom Free of Clogs
Restroom maintenance is very important. One clogged toilet in your building in Oklahoma City, OK, can cause water damage not only in the restroom where it's installed but also in the floors below it. Follow these four tips for keeping your restrooms free of clogs and the potential damage that comes with them.
You may not think that people will read signs in the restroom, but posting expectations can actually help make them more mindful of their behavior. Remind those who use the facilities in your building of a few key community standards, such as:
- Don't overfill the toilet.
- Don't flush anything but toilet paper.
- Report any problems immediately.
Supply Thin Paper
Thinner toilet paper is a smarter choice for restrooms in commercial buildings. Not only does it tend to be less expensive but also can be instrumental in preventing toilet overflow. Even if someone uses a large wad of one-ply toilet paper, it is less likely to cause problems than thicker sheets.
Many items that shouldn't be flushed can result in a clogged toilet when there isn't an adequate number of trash receptacles in the restroom. No one wants to carry their trash with them or leave it on the floor, so they dispose of it the only way they have left, which is down the toilet. Make sure you have a trashcan in every stall as well as one or two large trashcans near the sinks.
Despite all your best efforts, sewage problems may still occur. Have your restrooms checked frequently throughout the day to make sure there is enough toilet paper and paper towels and to confirm that no mishaps have occurred. If there is a toilet overflow or a leak, call water mitigation specialists immediately to clean up the damage.
No one wants to walk into a restroom and see or smell the mess a clogged toilet leaves behind. Taking simple preventative measures can help everyone do their part to avoid the problem.
Tenant and Owner Responsibilities After a Fire
Whether you are a renter or a landlord who's suffered a commercial fire, apartment fire or house fire, you will need to contact your insurance compan.
Whether you've experienced an apartment fire, commercial fire or a fire at a rented home in Oklahoma City, OK, the effects can be devastating to both the tenant and the landlord. It may not be clear who is responsible when it comes to the fire damage. Depending on the circumstances, liability can be divided up very differently. Let's look at some particulars.
Generally, the landlord is responsible for hiring the restoration company to repair structural damage after a business, house or apartment fire. Damage may include:
• Structural damage to:
o Pool Houses
• Damage to fixtures and appliances:
o Electrical wiring
o Supplied appliances such as dishwashers and refrigerators
In most cases, the tenant is responsible for any damage done to his or her personal property. The tenant will have to go to his or her insurance company to recover the loss of items such as:
• Tenant-owned appliances
• Video game consoles
• Musical instruments
Sometimes, there is a question of who is liable for the damage. If the landlord is proved to be responsible (for instance, due to negligence regarding the property's electrical wiring), he can be made to pay for damage to the renters' personal belongings, wages lost, costs related to finding another place to stay, and more. Conversely, if the landlord can prove that the renter was somehow negligent, the renter may be responsible for any costs related to repairing the property. If the landlord is unable to prove this, he will be liable for any structural repair, as it's the landlord's responsibility to see to it that the property is in a livable condition.
Whether you are a renter or a landlord who's suffered a commercial fire, apartment fire or house fire, you will need to make sure that you have immediately contacted your insurance company, have made a detailed list of any property that's been damaged and taken pictures of any damage to the structure and property, as well as any evidence of negligence. That way you will be prepared for any subsequent questions from the insurance company, and ensure that you're only incurring cost for the fire damage that you're actually responsible for.
A Quick Overview of the Mold Remediation Process
Call SERVPRO of North Oklahoma City when dealing with severe mold.
If you’re new to the presence of black mold growth in your Oklahoma City, OK, commercial property, the prospect of how to handle it can seem rather perplexing. Thankfully, since mold growth is such an everyday occurrence for property owners, there’s plenty of information available to give you the answers you need. If you’re curious about how to address mold cleanup and how to go about the mold remediation process in general, here is a quick rundown of how it all works and when to call in professionals for help.
First Things First: When Dealing With Severe Mold, Always Call in Professionals
While there’s still a debate over the health effects of black mold amongst experts in the field, it’s currently still safer than not to contact a highly-experienced team of mold remediation specialists to inspect your property and properly eliminate any traces of mold. Containment of the affected area is the first step in mold cleanup, preventing the spread of growth and contamination elsewhere in the building. While professionals are installing tarps and covering windows and doorways, they’ll be wearing appropriate attire designed to keep them personally protected from the effects of direct contact with the mold.
Mold Removal Consists of Various Steps
Once the affected areas have been contained, the mold removal process will begin with tearing out any building materials that show mold growth or have been in contact with the fungus in any way that can’t be restored. This ensures that any traces of the contamination are eradicated. Meanwhile, the use of proper chemicals for rightful cleaning and maintenance of the area is carried out, leading to the ultimate step of disinfection of the space. Once the area has been treated as needed, professionals can give you the go ahead when the entire process is completed and you can safely return inside the building.
If you’re stumbling blindly into a black mold situation as a commercial property owner in OKC, hiring trained and experienced technicians is a great first step in addressing mold removal.
6 Steps for Recovery From Mold
Black mold can start to grow in your commercial building within 24 hours of the onset of water damage.
Black mold can start to grow in your commercial building in Oklahoma City, OK within 24 hours of the onset of water damage. While you may not be able to avoid mold altogether, you can keep it from spreading by calling mold mitigation experts as soon as you suspect it's a problem. Here are the six steps they can take to rid your building of fungus growth.
Technicians start by setting up a seal around the perimeter of the infestation. This keeps spores from detaching and flowing into other areas of the building while cleanup is in process.
Another way experts keep from spreading spores while protecting themselves during mold cleanup is by wearing personal protective equipment. They cover themselves from head to toe with goggles, face masks with filtered respirators, protective suits, gloves and boots.
All material infested with black mold must be removed from the building. Because mold tends to branch down into porous surfaces, many items will need to be replaced rather than cleaned.
The surfaces that can be cleaned are disinfected. Some surfaces can be cleaned with a detergent while others may require treatments such as ultraviolet radiation.
Mold is attracted to moisture. You can't get rid of the mold spores in your building, but you can find a way to keep it from settling in one spot. Anything remaining that still holds excess moisture must be dried to keep mold growth from returning.
To return your building to its original state, everything that was torn out or thrown away during mold remediation must be replaced. Restoration experts can replace walls, ceilings and floor and make them look as good as new.
You may not catch water damage early enough to keep black mold from growing. If you catch it early, however, the process for mitigating the mold problem should be pretty straightforward.
SERVPRO of North Oklahoma City responds to category 3 loss
SERVPRO of North Oklahoma City crew members pose with the homeowners' prized bull.
Our team responded to a category 3 loss on a Saturday afternoon. We responded after other restoration companies had declined the work. Our competition told the homeowners to call SERVPRO of North Oklahoma City. Upon arrival, we were notified that one of the home owners has severe health complications. We acted quickly to secure them a safe place to relocate to, and began work immediately. Our team worked long hours into the early morning to get a great start on the job. It was a large job that was handled quickly and efficiently thanks to a hard working team. Our customer was so happy with our work she asked us to take a picture with her prized bull. SERVPRO of North Oklahoma City truly is "faster to any size disaster!"