How Pretesting Keeps Claims Expenses Lower
SERVPRO technicians can prevent damage from spreading.
Like most businesses, insurance companies need to stay vigilant about costs. You need to provide your customers with quality service without wasting their resources.
When a Cowesett, RI, customer has a claim, you can help keep costs down by implementing the pretesting process. Here is a look at the method and how it helps.
What Is the Process?
A SERVPRO technician visits the damaged property after a fire, storm, flood or other peril. The technician inspects the damage to determine the need for:
What Does Pretesting Determine?
The process helps the professional restoration company decide what materials they need to replace and what they can restore. It is not always necessary to completely replace items or structures if they can be cleaned and repaired.
The method can also uncover the best cleaning techniques to restore damaged belongings.
The process can define what areas are unaffected. Technicians can cover or seal off these areas to prevent further damage.
What Are the Advantages?
It keeps down the cost of an insurance claim to fix or clean items that are not a total loss. As an example, If a building has water damage from a burst pipe, the mitigation process can be less complicated than if the water is from a flood.
By determining what areas are unaffected, SERVPRO technicians can prevent damage from spreading. They can also help the insurance agent avoid the unnecessary cost of making repairs to areas that don't need it.
Pretesting helps the insurance company focus on the affected sites and avoid wasting time or resources on unneeded repairs or replacements. When you can save your client time and money, everyone benefits.
Conducting tests at a Cowesett, RI, property helps you provide your client with a thorough investigation. It also helps you reduce expenses and avoid wasting precious resources.
3 Reasons To Consider Storm Shutters
Storm shutters are an investment.
Storm Shutters: 3 Reasons to Consider
It doesn't matter if high winds are a regular concern, or if you simply want to add some curb appeal to your East Greenwich, RI, home: Storm shutters are an investment. Here are three reasons to consider this home upgrade.
1. They Protect Your Home
The main reason to add shutters to your home is typically security-related. Preinstalled and easy-to-activate window coverings are one of the best ways to defend your house from hail, flying debris and any of the myriad concerns that can arise — in some cases literally — during severe or unusual weather.
Even if you're confident that there's enough plywood out in the shed to board up your windows when a storm's on its way, professionally engineered and installed window coverings are the safest and most convenient choice. They're built to take a beating and be swiftly deployed.
2. They Protect Your Home From More Than High Winds
Many exterior window coverings are a theft deterrent if for no other reason than that they safeguard the most fragile and burglar-friendly areas of your house: the windows.
The level of practical security they provide depends on the type of shutter you install and the materials used. Aluminum is a popular choice, for example, and many homeowners choose to put them in a position not only during storms but also while traveling in some instances.
3. They Can Increase Your Home's Resale Value
In addition to protecting your windows, several types of shutters are aesthetically pleasing and can boost your home's purchase price in the event that you'd like to sell it one day.
Keeping your home storm-ready is one of the smartest things you can do as a homeowner. Prevention and continued maintenance now may mean one less call to your local water damage restoration company after high winds or heavy rain in the future.
Why Board Up Services Are Necessary and Beneficial
Securing board-up services helps minimize secondary damage.
If your home in Warwick, RI, sustains a fire, there is a good chance that it has compromised areas that may provide an opening for additional damage. After it is safe to enter the property, the next step is to board up any broken windows or holes in the roof. This may involve attaching temporary boards or tarps.
Benefits of Emergency Board Up Services
While it may be easy to get lost in the loss itself, covering exposed areas is beneficial in many ways, including:
In many cases, your insurance provider will require these services. If it doesn’t happen, it means risking your insurance coverage. While every policy is different, it will cover the damage from the event and not secondary damage caused by not securing the property.
Avoiding secondary damage is essential to maximizing your claim and reducing the amount of work that will be needed. If there is a hole in the roof and it starts to downpour, that means increased odds of mold growing in your home.
Tarping exposed areas minimizes the chances of critters and people entering the home without your permission. Avoiding vandalism and property loss are key benefits of board-up services.
Fast, Professional Services
Any time your property sustains damage it comes with stress. Luckily, you can minimize that and ease the entire process by contacting a fire damage restoration company. Along with having the expertise to repair and restore the damage, they provide tarping services prior to when the work starts. Once the restoration can begin, you already have a one-stop-shop to handle all the restoration needs from fire to water and mold damage.
After a fire, securing your property is essential. Securing board-up services helps minimize secondary damage and makes it easier to get the most out of your insurance claim.
Top 5 Places Where Mold Forms in Businesses
Mold in ceilings can also result from roof leaks.
Five Places Where Mold Grows
One big aspect of mold prevention is early detection. Although it is impossible to completely eliminate the possibility of fungal intruders in Pilgrim Park, RI, uncovering growths that have recently begun to develop grants you an opportunity to stop infestations from worsening. Here are five locations within your office that should be checked regularly.
1. HVAC Drain Pans
Air conditioning pans are located near your temperature control system’s cooling coils. The sweat that develops as air moves through the coils drips into the pan. When flow rates become too high, the collected condensation can overflow. This runoff sometimes soaks ductwork, making mold a possibility.
Air moving through ductwork contains heavy moisture. When this buildup condenses, it gets absorbed into duct linings. Besides checking for growths, ensure that your system’s airflow rates are optimal as an additional form of mold prevention.
Because they tend to be porous, mold sometimes grows in ceiling tiles. Those adjacent to HVAC system vents are particularly vulnerable. Mold in ceilings can also result from roof leaks. When this happens, the eventual water damage gives good reason for hiring an expert roofing repair team. Such professionals are also typically capable of safely removing mold growth.
Carpets are susceptible to spills, floods and leaks. Look underneath yours to determine whether dampness exists. A wet vacuum should be employed when water is discovered. Follow this step with a good steam cleaning. Fans and dehumidifiers may also be used to accelerate the process.
Flooding, groundwater and mechanical system leaks are common causes of damp wallboard. Get rid of compromised wallboard by cutting at least 20 inches above the water’s high point. Make certain that all wall and ceiling cavities are thoroughly dried before installing a fresh set.
An important part of mold prevention is rapid discovery. Halt the progress of fungal invasions by regularly checking your building’s most common trouble spots.
Be Prepared for the Unexpected with Business Interruption Insurance
Commercial fire damage in Norwood, RI.
Business Interruption Insurance
If a fire breaks out in your Norwood, RI, business, it has the potential to bring operations to a halt. Business interruption insurance is designed to help businesses stay afloat while a professional fire damage restoration company gets the property back to how it was before the loss.
What Does It Cover?
While a general policy is designed to cover the property loss after a business fire or other unexpected event, interruption insurance is an additional layer that focuses on the financial side of dealing with the loss. In most cases, coverage includes:
- Potential profits lost
- Fixed operating expenses
- Temporary relocation costs
- Loan payments and taxes
- Other expenses incurred as a result of the loss
Like with other policies, there is a coverage limit. Businesses should work closely with their provider to determine how much coverage would be needed if disaster strikes. To maximize the coverage, it is recommended that businesses develop a contingency plan to help ensure that if an event happens that stops operations, they will be able to recover as quickly as possible.
How Long Does Business Interruption Coverage Last?
These add-on policies typically include a restoration period. Although every policy is different, the coverage often lasts for one year. After the claim is filed, a business should expect to wait up to 72 hours before the restoration benefits start. During that year, it is imperative that a business a set plan in motion for fire cleaning and other restoration services. After the 12 months is over, the benefits will stop even if the property is still under repair.
Along with the hassle of dealing with a fire, it may also mean a business interruption that is difficult to recover from. By having an additional layer of coverage, businesses have the means to rebuild and stay in business.
Unexpected Consequences of a Home Water Leak
Water leaking on ceiling.
Water Leak in the Home Has Unexpected Consequences
You are not alone if you worry about a water leak that could cause damage to your home in Nooseneck, RI. In fact, a water-in-home incident ranks as one of the biggest fears of homeowners. You probably are aware that a cracked pipe or a faulty appliance could release hundreds of gallons of liquid into your home. Even if that water is clean, it can result in significant damage to furniture, walls, flooring and more. If the water is contaminated, it can do even more damage and require the services of a highly-trained water mitigation team.
Unpleasant Surprises of a Broken Pipe
When water is released into a room, it can spread quickly and result in damage almost immediately. The longer the water remains, the more damage it will do. You might be concerned with fabrics and less durable surfaces, but water acts as a corrosive and can result in multiple avenues of property damage:
The ruination of drywall and underlying insulation
The tarnishing of metals, wiring and gas lines
The spoilation of foods and other perishable items
The harm to paintings and other family heirlooms
When you have water in the home incident, you could also be at risk for mold growth. This could happen even after the water has been cleaned from your property.
Positive Results From a Water Cleanup
To minimize the damage to your home, a professional cleanup will look at all areas of damage. Trained technicians will use a variety of advanced techniques to save property and restore personal items. Dry cleaning and additional methods are often the best chance to save clothing and other valuable items.
If you do experience a water-in-home event, you might be surprised at the level of damage that occurs. A professional response is often the best way to guard against the consequences of unwanted water.
Negative Effects of and Protections Against Business Power Outages
When your business experiences a power outage, the results can be devastating.
The Consequences of Business Power Outages and How to Avoid Them
When your business experiences a power outage, the results can be devastating. Thankfully, there are measures you can take to mitigate the problems that come with suddenly lacking power. Here's some quick information regarding office power loss, along with tips on protecting data.
Effects of Losing Power
A heavy storm or blizzard can knock down power lines in Hillsgrove, RI, putting your company in an unenviable position. Some difficulties that come with suddenly losing energy include:
- Spoiled food, when office lunches are no longer being refrigerated
- Lowered productivity, triggered by the inability to access electronic systems
- Lost income, due to clients severing ties as a result of dissatisfaction with lack of service
Additionally, there is the possibility that when a power outage ends there could be a power surge that causes a fire. Even minor blazes can create structural damage that must be fixed by a team of commercial restoration experts.
Protections Against Losing Power
There are numerous ways of keeping your business safe from a loss of power. One essential protective measure is to use a cloud backup and recovery system. Regularly duplicating electronic records keeps important information secure.
Assure that computers are always accessible by installing backup batteries. These replaceable life-savers typically last between three and five years. As a general rule, you want one with a wattage output capacity that is 20 to 25 percent higher than the devices it connects to.
Having a portable generator means lights can stay on until power is restored. A wide variety of options may be found at major hardware stores. Prices range between a few hundred dollars and a couple thousand.
Never ignore the importance of surge protectors. Without one, a sharp electrical rush might completely incapacitate your computer.
A power outage has the potential to wreak havoc on your office. Take steps to guard yours before bad weather brings about disaster.
Why Mold Smells Bad and What That Means for Your Business
Don't ignore a mold smell at your business.
Why Mold Can Smell?
Recently, you've noticed a musty smell when you first walk into the office in the morning in East Greenwich, RI. You're suspicious that it could be mold, but you've checked the likely places — bathrooms, under plants, the lunchroom refrigerator — but you haven't seen anything that looks like mold. What now? Typically, if you notice a mold smell, it's a sign that there is mold somewhere. Here are the three reasons why mold can smell and how to find out if it's hiding in the walls.
1. What Is Mold?
Mold is a fungus that happily grows in warm, moist environments. Mold exists everywhere — indoors and outdoors — so spores are always present and ready to move in and grow anywhere when they find a suitable location. Mold can grow on many surfaces, especially on porous materials, and comes in many colors.
2. What Causes the Smell?
The fungus smell or musty odor that you notice is caused by compounds that mold produces and releases into the air; mold itself does not smell. Because the presence of mold causes bad smells, it is important to call a mold remediation specialist to come and do an assessment soon after you notice a mold smell. Even if you can't see it, mold is likely present somewhere and needs to be addressed.
3. How Can You Find Hidden Mold?
When the remediation professional comes, they will do a visual inspection like you did, but they also have access to top-of-the-line tools, such as thermal cameras that allow them to look behind your walls to find areas of moisture that may be a breeding ground for mold. Thermal cameras measure the energy that is emitted from an object. The professionals will be able to tell if a pipe is leaking or if a crack in the foundation is allowing moisture to seep into the building. Then, they will be able to advise you on what needs to be done for proper mold cleanup.
Don't ignore a mold smell at your business. Even if you can't see mold, a mildew smell is a strong indicator of a mold problem.
The Top 3 Commercial Flood Preparation Tips
Having business interruption insurance can help in the event of a flood.
Flood Preparation Tips
Owners or occupants of commercial buildings prone to flooding should take measures to prepare properties in Warwick, RI. Planning ahead for flood damage can be beneficial, as it is more difficult to make good decisions when time is limited. Here are three of the most effective flood preparation tips.
1. Make a Flood Level Checklist
The critical utilities in a building should be installed above the Base Flood Elevation level. Any portable items used below this level should be listed and elevated above the level at which they are likely to be exposed to black water prior to flooding. Electric appliances used in office settings are likely to be ruined by exposure to any type of water, and grossly contaminated water can destroy many other types of contents.
2. Get Commercial Flood Insurance
Most commercial general property policies exclude flood damage. For this reason, commercial property owners may want to obtain a separate flood insurance policy through the National Flood Insurance Program or a private insurer. The NFIP General Property Form can insure building property up to $500,000 and personal property up to the same amount.
3. Consider Interruption Insurance
Neither a general commercial property nor an NFIP Commercial policy will offset financial losses that result from the inability of a business to operate for days or weeks due to damage. Business owners can calculate ongoing expenses during a shutdown and take out an interruption insurance policy with a high enough limit to offset these losses during the typical time frame for storm damage restoration.
When flooding is expected to occur in Warwick, RI, property owners or commercial tenants can use a checklist to remember to elevate delicate or important contents and take important safety measures. Maintaining business interruption or commercial flood insurance can also give a building or business owner more peace of mind in the event of a flood.
3 Common FAQs About Mold in the Workplace
Mold growth on the wall due to humidity.
When you discover mold at your East Natick, RI, business, you might be alarmed about the possible damage it might have already done. Mold growth can affect drywall, carpeting and your building’s HVAC system and sometimes grow out of sight until its musty odor alerts you to its presence. Calling in a professional mold mitigation and removal service can help you eradicate the mold, and there are a few questions you can ask before the process begins.
1. What Causes Mold?
There are usually two main factors that cause mold to grow: high humidity and moisture. For example, a toilet overflow in the employee restroom that was not cleaned up properly might cause mold to grow behind a toilet or a leak in your HVAC system might allow warm air to seep in and create a humid environment there. Floods and leaks are usually the catalysts for mold growth.
2. Are There Different Types of Mold?
While there are several dozen different types of mold, the one that usually follows water damage is black mold, so-called because of its dark green or blackish color. This mold is prolific and can grow as soon as 24 hours after standing water is allowed to stagnate in a flooded area. You might see it on drywall, paper documents and stored office furniture. If you recognize this type of mold, it is wise to seal off the area until professional help arrives.
3. Why Does Mold Smell?
Mold gives off an odor because as the spores attach to moist areas and begin to eat and grow, they give off a waste product called mycotoxins. This creates a musty odor, which smells like wet dirty laundry, you might associate with fungi growth. Your mold removal and restoration team can help you pinpoint the source if you can smell the problem but cannot see it.
When mold growth affects your East Natick, RI, business, knowing where to begin with cleanup efforts can be a challenge. However, when you know which questions to ask, you may feel more confident about the outcome.