Does My Business Need Flood Insurance?
Are you covered?
Commercial insurance isn’t just about protecting property, it’s also important for peace of mind. Knowing your business is protected allows you to focus on what you do best: growing an enterprise.
In some cases, it’ll be required, particularly if you have a lender or investors. However, most insurance policies don’t cover flood damage. To get coverage in Brooklyn Park, MN, you’ll have to purchase a flood insurance policy.
What Is a Flood Policy?
Flood coverage is designed to pick up where other policies leave off. When a flood strikes your business, it covers most of the indoor damage, including
- Electrical and plumbing
- Structural damage
- Carpet and cabinetry
- Foundation repair
Specifically exempted from coverage is outside improvements such as landscaping. Also, if a sewer backup happens and it isn’t caused by a flood, the flood policy won’t cover it. The flood policy is meant to be in addition to a standard commercial insurance policy, not a replacement for it.
What Businesses Require It?
Generally, there are no laws mandating coverage. if your lender or investors want you to have it, that’s when it’s required. Most lenders won’t expect you to have flood coverage unless you’re in a high-risk flood zone. You can also ask your local restoration experts about flood-prone areas.
Any building in a floodplain or the 100-year flood zone is going to be considered high-risk. You can look at FEMA’s flood maps online or consult with local authorities to determine what areas are at risk.
Do You Need It if It’s Not Required?
If you’re in a flood zone, you almost certainly should get a flood policy. Flood insurance is subsidized by the government, and because of the subsidies, most experts say it makes financial sense in flood-prone areas.
If you’re not in a flood zone, it’s a tough call. Most buildings not in a high-risk zone are statistically unlikely to need coverage. However, a flash flood can happen anywhere, so the peace of mind might be worth it.
Ask your lender about their flood insurance requirements and check out your flood maps. A little advanced knowledge can save a fortune in the long run.
Read This if Your Dryer Lint Screen Is Dirty
Clean that lint screen fully.
How To Easily Prevent A Lint Fire
Your dryer's lint screen is chronically dirty. There are traces of lint stuck to the sides. In fact, there are areas of your dryer that you didn't even know need to be cleaned.
1. Clean That Lint Screen Fully
Most people either ignore the lint screen until it's overflowing, or they cleanse it sporadically. Neither of these methods are effective. Proper lint screen cleaning includes:
- Accessing the lint screen
- Rubbing your hand or a brush over it
- Using the balled lint to gather any remaining particles
- Dispensing properly
Place the gathered lint far away from any source of heat. Make sure you follow the above steps each time before a new drying cycle. If the screen is looking especially linty, rinse it with water and some soap. Fuzz will also gather in the lint trap, so vacuum it to prevent clogs.
2. Deep Clean the Entire Dryer and Exhaust Hose
This isn't a fun task, but it only has to be done about twice a year. Unseen materials can also start a lint fire. Every 6 months, make sure to give your drying machine a deep clean. Always remember to unplug the appliance before doing so.
Pull the machine away from the wall, and remove the back panel. This will expose the exhaust hose and interior, giving you access to any clogs or debris to wipe away. Reposition all parts before restarting the dryer.
3. Call Forth the Pros
There are around 2,900 dryer fire emergencies reported each year. Not keeping on top of your dryer's cleanliness can be dangerous and costly. That's why it's best to call your local experts in Anoka, MN, and get that dryer fully inspected. The professional cleaning and remediation team can determine the exact regimen for your particular make and model. The right tools will also be brought in.
If you don't have the time or ability to clean your dryer properly, it's best to call in experts. They will know the best route to prevent a lint fire. If fire damage does occur, make sure you picked the right team that can handle the aftermath, as well.
Residual Troubles of a Burst Pipe: Understanding Secondary Damage Hazards
Water damage in Champlin, MN.
Residual Troubles of a Burst Pipe: Understanding Secondary Damage Hazards
When a pipe breaks, homeowners in Champlin, MN, experience a primary issue. Water sprays out of the pipe, drenching the space. When fluid infiltrates an area, it triggers secondary concerns, some of which are quite hazardous. Black mold can grow, and structures can begin to deteriorate. To avoid these significant headaches, owners should understand how water impacts a location. The following are three possible significant problems.
1. Structural Integrity
Builders designed the house with numerous porous materials. These substances--drywall, wooden beams and carpeting--easily and quickly absorb moisture. Like a sponge, they pick up the high humidity levels, filling their crevices with fluid. Over time, this leads to rot and decay. The following may become noticeable:
- Warped floorboards
- Water stains
- Crumbling paint
- Corroded metal
- Foundational cracks
Breaches to the structure mean owners must face extensive repairs to restore safety. A water restoration company should evaluate the premises. Using moisture readers, the experts can determine the extent of saturation and recommend appropriate remediation services.
2. Fungus Contamination
Dampness, especially in dark locations, activates fungal spores which begin to spread at rapid rates. Within 24 to 48 hours, the microbes have made themselves at home, settling inside objects. Black mold moves throughout the space, eating away at organic material. Left to linger, it can even enter the air system, migrating to other rooms. Decontamination procedures should occur immediately, requiring drywall and carpeting tear-outs. Bleach isn't going to reach inside. Content cleaning experts may use sophisticated technology to salvage belongings. Ultimately, though, most of the soaked items need to go.
3. Electrical Haywires
Part of secondary damage is a concern for the home's wiring. Water and electricity do not mix. As the wetness moves into the walls and crawl spaces, the fluid could interfere with the outlets and overall electrical system. Be cautious about using even the fan. Be plugging or using any source, have the wiring evaluated for damage.
The busted pipe can create a domino effect, permitting multiple calamities to begin. Black mold and structural harm are both possible. Be aware of the dangers, and be proactive in the cleanup. Efficient and methodical care could avoid these hazards.
How To Get a Fast Response to a Disaster
Whenever your company in Anoka, MN, faces a fire, a flood, or other catastrophes, fast action is essential. Delays wind up costing you time and money. A local SERVPRO franchise is always Faster to Any Size Disaster. This means an experienced crew will be at your facility within a couple of hours of receiving your call. After an initial inspection and assessment, the crew will begin to work on the restoration process. The initial work focuses on limiting damages and reducing expenses. In fact, this is one of the best ways to shrink the size of your insurance claim.
Why Speed Is Essential
A lot can be accomplished to reduce expenses in the early stages of a storm or other damaging event. This is why Faster to Any Size Disaster is such a critical concept. Depending on the nature of the problem, an experienced crew may perform any of the following actions:
- Prevent additional floodwaters from breaching new areas
- Contain mold spread
- Remove standing water
- Cover and board up damaged areas
- Dry out flooring and walls
- Protect employees and customers from hazards
SERVPRO's local emergency restoration services work 24/7 and will respond quickly to your call. It is the surest way to get a fast response.
Why a Delay Is Costly
The longer a problem remains untreated, the more likely additional damage to property will result. In the case of water damage, the moisture is likely to break down materials from paint and drywall to upholstery and insulation. If left too long, water can even begin to tarnish metals. Also, excessive humidity in your workplace often results in mold growth, which can cause more damage to your facility. Wind damage after a storm can leave openings in roofs, walls and windows that allow the elements to create more damage.
For SERVPRO, Faster to Any Size Disaster is more than mere words. It is a promise to arrive quickly when you need help.
Identifying Common Types of Hail Damage
If your property has roof damage, don't hesitate to take action.
How To Check For Damage?
If your building in Brooklyn Park, MN, has endured a hailstorm, you're probably wondering how to check for damage. Severe weather can arrive unexpectedly and it can bring surprises along with it. If you suspect that your building has been damaged during inclement weather, here are some ways to find out. Roofs and all items on your roof are especially vulnerable to hail damage, so check for the following signs of roof damage after a storm:
- Cracked, blemished, or missing shingles
- Water that has leaked into your attic
- Wet or impaired insulation
Locating Hail Damage
After severe weather passes, you should take the time to survey your property and look for potential problems. Though some issues may be obvious, others may not be. Check for signs of wear such as dents and loose fittings on all rooftop items, including skylights, solar panels, and roof-mounted equipment. Look for tears in roof tarps and if you have shingles, check to see if any are missing or broken. Inspect your building's flashing and all roof drainage systems to make sure they are still working properly. Any time water enters your property through roof damage, check your attic for leaks or impaired insulation. Trapped water or wet insulation, if left untreated, can lead to structural damage.
Fixing Hail Damage
If you discover that any part of your building - exterior or interior - has been affected by hail, you should act quickly to mitigate the damage. If left unattended, compromised roofs can lead to water leaks and eventually mold or water damage. Storm cleanup should be taken seriously to save you time and money in the long run. Experts in storm damage cleanup and restoration can efficiently contain problems and return your building to its pre-storm state.
If your property has roof damage, don't hesitate to take action. A quick response to severe weather can ultimately save you a lot of time and money.
Understanding Mold in Your Commercial Building
Commercial mold damage in Brooklyn Park, MN
Mold spores are everywhere in your building. Because of this, you will never be able to totally remove the mold inside your Brooklyn Park, MN, facility. The EPA has not established mold standards for commercial buildings, but business owners must be vigilant not to let mold grow out of control.
What Situations Encourage Mold Growth?
Mold spores love moisture and warmth. Dark places that are prone to humidity are especially susceptible to mold growth. Situations that should be monitored and checked frequently include:
Areas that have been exposed to water, caused by such things as a leaky roof or dripping faucet
Humid rooms, such as bathrooms and industrial shower areas
HVAC systems and air ducts
Even without EPA mold standards, commercial mold levels should be checked periodically by a professional.
How Can You Spot Hidden Mold?
The easiest way to detect mold that is hidden within walls or in ceilings is by the odor it emits. Mold presents an unpleasant musty smell that is fairly easy to spot. If you discover a moldy smell, a thorough mold clean is in order.
What Is Mold Remediation?
The only way to successfully remove mold from your facility is to call a mold remediation specialist. They will look for black mold and other types of mildew that can damage your building.
The expert will first examine the entire area to make sure all water sources are identified. They will then inspect the premises to find the areas where mold is growing. The moldy areas will be contained to reduce further mold growth.
Using specialized equipment, all affected areas will be cleaned and dried. Then, microbial treatments are applied to surfaces. Air scrubbers also remove a large percentage of the mold spores in the air. Air quality testing can also be performed by the specialists.
While EPA mold standards haven’t been set, it’s important to be on the lookout for problem areas before they get out of hand.
Three Ways To Stop a Running Toilet
What can you do when your commercial toilet won't stop running?
Three Ways To Stop a Running Toilet
What can you do when the toilets in your Champlin, MN, commercial property won't stop running? The good news is that there are some quick and easy solutions that offer several benefits while also preventing the annoyance of a toilet overflow:
- Prevent wasted water
- Improve the water pressure behind flushes
- Ensure that the bowl refills appropriately
If you're ready to stop a toilet from constantly running, try your hand at the following three steps.
Take off the tank lid and set it aside. Look for a small plastic tube, positioned between the fill valve and the overflow tube. If this tube is missing or if water isn't flowing through the flexible tube, the toilet bowl doesn't fill properly. You should be able to reposition the tube appropriately. Test your results by flushing the toilet. It should stop running once the bowl has filled.
The second step you can take to ensure that the toilet flushes as it should is to adjust the float the controls the water level in the tank. You should see a small rod that is attached to the float by a metal clip. If your toilet won't stop running, the float may be set too high. A weak flush means that it's set too low. After you find the right adjustment level, use a permanent marker to show where you want the level of the water to be.
Sometimes, the change to the flapper becomes unattached or tangled. Either way, the flapper won't lift and close as it should. This easy solution simply requires reattaching the chain or disentangling it. If this is a problem that reoccurs, you may want to replace the chain to avoid a future toilet overflow.
One of the least popular repairs a property owner can face is a toilet overflow. These easy solutions can put a stop to some problems and give you time to get a professional involved. The good news is that you can avoid a toilet flood when you hire water damage cleanup and mediation professionals at the first sign of trouble.