Recent Why SERVPRO Posts
3 Things You Need To Know About Business Insurance and Mold
Mold damages on wall in a Creve Coeur,MO commercial facility
Commercial Insurance and Mold Damage
When you went into business, you likely thought a great deal about equipment, inventory and customer demands. You may not, however, have contemplated dealing with mold growth. Still, in Creve Coeur,MO, mold removal is often part of doing business. If you have a mold in your factory, warehouse or other commercial facility, you should know a few things about commercial insurance and mold damage.
1. Mold Can Bring Your Business to a Standstill
Black mold has developed a terrible reputation in recent years. Hardly a day goes by when you can’t read about mold contamination in the newspaper. If you have mold in your building, it can bring your business to a standstill. Since mold can damage inventory, equipment, structures and furnishings, you must take it seriously. Fortunately, depending on the severity of your mold problem, professional cleanup usually only takes between three days and one week.
2. Insurance Usually Covers Mold Cleanup
You have commercial insurance to protect your property from damage. While most claims relate to storms, your insurance policy likely covers damage from mold. With mold insurance, you don’t have to foot the bill for professional remediation. When you contract with a mold-remediation service, you take advantage of equipment, expertise and skill to successfully cleanup the mess. While you may have to pay a deductible, many remediation expenses may fall within the terms of your policy.
3. Some Exclusions May Apply
When considering whether you have to pay for mold removal, you need to read through your insurance policy. That is, not all commercial packages cover the cost of mold cleanup. If you aren’t interested in poring over legalese, talk with your insurance agent to see what your policy covers.
With commercial insurance, you have the peace of mind to do business effectively. Before you find mold inside your business, be sure you have sufficient insurance coverage.
Fire Damage Claims: What is Covered
Fire loss to a Maryland Heights,MO home
Fire Damage Claims
Commercial property fires are stressful situations, but the key concern in the aftermath is understanding what is covered by your insurer. Most coverage will cover fire damage that is the result of the fire and smoke along with any subsequent water damage, occurring while extinguishing it.
Fire is the primary cause of most visible damage: ash, scorched walls, melted siding, etc. Most of the loss is structural, going beyond cosmetic. Obviously, the extent of the damage is dependent on the severity and persistence of the fire. As most of this damage is apparent, an insurance adjuster should have no problem verifying this as part of the claim. However, it might be beneficial to have before and after photographs to prove the property loss.
While fire damage is often apparent, smoke damage can be subtle, often hidden in areas that aren’t easily accessible. For instance, extensive smoke damage can occur in the ventilation system of your building. Again, depending on the extent of the damage, it may be possible to salvage the system, but you will likely need a thorough inspection after a fire.
An issue that may arise after a fire is determining the responsibility of water damage. This determination may not be difficult when the damage has occurred in the area affected by the fire, but when water damage occurs in areas untouched by the fire, possibly due to a malfunctioning sprinkler system, it is a little trickier. This is when before and after photos come in handy.
For any questions or concerns you may have about items that are covered, you can reach out to your insurance, but you can also seek guidance from a fire mitigation specialist in the Maryland Heights, MO, area. These specialty restoration companies have extensive experience with insurance companies and may be able to explain what your coverage is likely to cover in the event of a fire.
Understanding your coverage is critical to reducing stress levels after a disaster. To ensure that you know what is covered in the event of a fire, call your insurer and ask about your fire damage coverage.
3 Basics of Roof Damage Mitigation
Covered roof by tarp in a Creve Coeur,MO home
Storm Damage Repair
Whether due to storms or other wear and tear, roof damage is common for homeowners in Creve Coeur, MO, and can get worse without intervention on your part. For example, wind and rain can take shingles off your roof and start to damage the materials underneath. You can mitigate this by putting tarps or boards over those sections until you can get a storm damage repair company to fix the roof.
Minimizing your damage is called mitigation, and before you can start taking preventative care of your home, you need to know some roof mitigation basics, such as what it is, when you need it and how to do it.
1. What Is It?
Mitigation for wind damage to your roof can include using boards and tarps to keep the underlying structure of your roof and home dry. This is often done to minimize the damage from a few missing shingles or the destruction from fallen trees and more severe storms. By mitigating storm and elemental injury, you can extend the life of your roof and the home it protects.
2. When Do You Need It?
The best time to start mitigation for roof damage is as soon as you notice the damage. The longer you wait, the more elemental forces — and their effects — can get under the shingles and other roofing materials and into the bones of your home.
3. How Do You Do It?
When you are trying to mitigate wind damage to your roof, your first step should be to inspect the entire roof for problem spots. You can then get those spots covered by tarps or boards until a professional can offer a more detailed inspection and suggest or implement any needed repairs.
Roof damage mitigation can be performed by you in the short term and by a professional repair company in the long term. This can keep you from needing costly roof replacements after a damaging storm and may extend the life of your roof.