3 Reasons Your Business Needs Fire Insurance
Fire damage in a Kettle Corner, RI building.
Reasons To Purchase Fire Insurance
Because fire is one of the most common causes of damage to business property, most businesses choose to purchase fire insurance. If you are still undecided, these are three reasons you should purchase this coverage.
1. Fires Cause a Lot of Damage
In an average year, fires cause more than $10 billion in damage to property. One of the reasons that fires are so destructive is that it isn't just the flames that cause damage. Smoke can damage both the structure of your building and its contents, requiring extensive smoke cleanup. Additionally, water and other fire suppressants used to combat fires can cause substantial damage to your property. Without insurance, you will need to pay for all of these damages, plus any fire department fees yourself.
2. Your Business Is Likely To Be Repaired Faster
Few businesses have the cash on hand to repair or replace property lost in a fire. Whether your fire insurance company pays you directly or issues payments to the contractors doing the repairs, that cash flow can help you start making repairs quickly so that you can get your business up and running and start generating revenue as soon as possible. Without insurance, you may not be able to begin repairs until you can raise the funds by taking out loans or obtaining other financings. The increased time it takes to complete repairs could result in your business closing permanently.
3. Your Insurance Company Can Recommend Contractors
It is an unfortunate fact that not all contractors are reliable. Most insurance companies have a list of fire restoration professionals in Kettle Corner, RI, that they regularly work with that can be relied upon to do quality work.
Purchasing fire insurance helps you avoid the risk that your business may not be able to survive the aftermath of a fire. Consider these three reasons when making your purchasing decision.
4 Steps to a Flood-Free Building
Immediate response to your business after water damage.
Steps In Protecting Your Business From Water
Many decisions are involved in creating new business. Are you considering constructing a new commercial building? If so, several considerations must be made prior to breaking ground. One crucial concern that you must not overlook is the potential for flood damage. Proceed with these helpful tips in mind, and avoid the potential for a severe disaster.
1. Avoid a Flood Zone
Before breaking ground in Cowesett, RI, check to see that your new project resides in an area not susceptible to flooding. Some regions to avoid are:
- Documented flood zones.
- Land near a lake, river, or other body of water.
- Locations with a relatively large amount of rainfall.
2. Secure the Building
Sometimes, building in a flood zone is unavoidable. If your location is at risk for flood damage, ensure the building is watertight and raised above the ground if situated near a body of water. Further, in regions prone to storm damage, install hurricane-proof windows and doors, and consider adding protective storm shutters.
3. Clean the Gutters
Rain gutters full of debris leave your building at risk for flooding. Large rubble like branches, leaves, and nests can cause a dangerous buildup of water and require immediate removal. Avoid the need for flood repair services by ensuring all gutters receive professional cleaning every six months. Further, safeguard your building by removing all debris and dirt from your roof. Tend to roof damage immediately, filling in any discernable holes and gaps.
4. Get Insurance
Even the most prepared business owners have the potential to experience water damage. Therefore, never open the doors to your new business before obtaining proper commercial building insurance. Be aware that not all insurance policies cover flooding, so make sure to add it to your comprehensive plan before the business' inauguration.
Flood damage is expensive, stressful, and potentially disastrous. Keep your business safe and water-free by following these simple steps.
How To Protect Your Home After a Fire
Fire damaged roof from a home in Shawomet, RI.
If your home in Shawomet, RI, is damaged by a fire, you need to know how to protect it from further harm. If you don't properly board up your home, you risk further damage and losing your insurance coverage of the fire damage.
Benefits of Boarding Up Your Home
Fire damage makes your home more vulnerable to other potential risks:
You can avoid these risks by having a fire damage repair service in Shawomet, RI, do an emergency board up immediately after the fire is put out.
Windows and Doors
Windows and doors are often damaged in a fire either by heat or firefighters having to break them to access and put out the fire. You should board up your windows and doors as soon as the fire has been put out. Broken windows and doors make it easy for pests, unauthorized persons and water to enter your home.
If your roof has been damaged, rainwater can leak into the home. This can cause additional damage to the roof, ceilings, electrical wiring, flooring and more. Roofs should be covered with tarps to ensure that they are waterproof.
If you do not secure your home after a fire, you risk losing your insurance coverage. Since additional damage could drive up the cost of repairs, many insurance providers require an emergency board-up. They also want to avoid liability claims from an unauthorized person entering the home and getting injured on your property. Call your insurance provider immediately after a fire and ask what precautions you are required to take.
Having a fire damage repair service board up your home after a fire can help prevent all kinds of additional damage. Entry points, such as windows and doors, should be boarded up immediately. Damaged roofs should be covered with a tarp. If you do not take these precautions, you risk losing your insurance coverage, so make sure you are familiar with your provider's policies.
3 Things You Need To Know To Fix a Leaky Faucet
A leaking faucet can make your water bill higher than it should be.
Tips On Helping You Save Money And Do It Yourself
A leaking faucet can be annoying and over time can make your water bill higher than it should be. Instead of calling a plumber to fix your dripping faucet in Hoxie, RI, here are a few tips to help you save money and do it yourself.
1. Figure Out What Type of Faucet You have
There are four common types of faucets. You must know which type you have before you can fix a leaking faucet, as each one has different parts. A compression faucet is the most recognizable, with two separate handles for hot and cold water. The other three types (cartridge faucet, ball faucet, and ceramic-disk faucet) aren't as easy to tell apart just by looking at them, and you'll likely need to take them apart first to determine what's inside.
2. Determine What Tools You Need
No matter which type of faucet you have, you'll need a few standard tools to get the job done, including a Phillips-head screwdriver, a flat-head screwdriver, wrench, pliers, and plumber's grease (make sure it's non-toxic and heat-resistant). If you have a ball faucet, it requires other special parts and tools that can be purchased as a kit at most home repair stores.
3. Purchase Replacement Parts if Needed
To fix a compression-style leaking faucet, replacement seat washers are required. A cartridge faucet needs replacement O-rings. If you have a ball faucet, a ball-faucet replacement kit is necessary. For a ceramic-disk faucet, you may have to purchase replacement seals and vinegar for cleaning the parts.
Once you have a fixed leak, you can be at ease knowing you saved money and avoided additional water damage restoration costs, if that leaky faucet had turned into something more serious. You're also prepared and know what to do if it happens again, such as having the right tools and an extra replacement kit on hand.
Work With the Best Disaster Recovery Team After a Storm
SERVPRO has access to the right equipment needed to handle cleanup and restoration
If your facility in Apponaug, RI, experiences a flood or storm, you want to get the best disaster recovery team to help. Working with a local franchise means you will have a fast response with the backing of a large company.
A Fast Response
After a storm, getting help quickly means the mitigation process can begin right away. This is important for several reasons:
- A professional storm response team will secure your building, reducing secondary damage.
- It will help shorten the restoration process, reducing business interruption.
- It can help reduce your insurance costs by preventing further damage.
When you've experienced a disaster, you want a company that's trained to handle storm damage of any size and has the equipment to clean up and restore your property. SERVPRO has decades of experience handling remediation projects and no disaster recovery is too large.
The Large Loss Division is comprised of specialists trained to handle any size disaster. They are located strategically throughout the country, so they're ready to respond quickly in Apponaug, RI. A commercial operations manager handles every large loss project prepared to oversee the mitigation process and facilitate communication.
The Right Equipment
SERVPRO franchises are locally based, but they have access to the equipment needed to handle cleanup and restoration. Whether your company's mitigation needs are large or small, professionals are ready to handle mold remediation, drying after a flood or storm, upholstery and fabric cleaning, inventory storage, or any step of the restoration process.
Many storms lead to water damage. SERVPRO technicians use vacuums and pumps to move water out of your facility. They have special equipment to detect hidden water sources and industrial dehumidifiers and air movers to dry the area quickly. Once your building is dry, it can be sanitized and restored.
A disaster recovery team like SERVPRO can help you quickly after a storm. They have the local and national resources needed to get your facility running again and they are Here to Help.
5 Things To Check When Preparing Your Business for Winter
Make sure your company is ready for the elements.
Here Are Five Things To Assess When Going Through Your Winterization Checklist
Owning a business anywhere can be difficult, but having a commercial property somewhere that endures harsh winters comes with unique challenges. Extreme cold weather in Hillsgrove, RI, can often lead to problems like frozen pipes, ice dams and other kinds of building damages. To avoid having to call a disaster restoration professional after the next winter storm, make sure your company is ready for the elements.
Frozen pipes can quickly lead to bigger problems, so making sure your plumbing is in good condition should be a top priority. Nobody wants springtime flooding. You can prepare your pipes for colder weather by insulating and sealing any cracks or openings.
Speaking of insulating, how is the insulation of your building structure? You can keep your business warmer for customers by protecting it with a variety of insulation types. From blanket-style to rigid to foam, there are many options for keeping your commercial space comfortable in wintertime.
When it comes to storm damage, the roof is a popular place to find it. If you can safely look on top of your building, check for ice dams or block gutters, and clear them out. If you do not have safe access, call a professional.
Before the next winter storm, another place you will want to check are the windows. Remember to inspect them both inside and outside. Doing so can save you money on energy bills throughout the season.
To ensure your building has proper air ventilation throughout the colder months, take a look at your HVAC system. Replace air filters and make sure everything is working properly.
In order to prepare your business for the next winter storm, create a checklist of tasks you need to complete before the snow starts to fall. Be sure to include the items here.
How to Create a Fire Escape Plan for Your Home
Every home should have a fire escape plan
Your home catching on fire is an undoubtedly devastating event. Many people in Warwick, RI don't think it can happen to them until they find themselves in the middle of an emergency. To prepare, every home should have a fire escape plan. A method to escape your house can keep you and your family members safe from the flames.
These tips can help you get started.
1.Know Two Ways to Get Out of Every Room
According to the Red Cross, every member of the household should know another way to escape a room if the door is blocked. This often involves climbing out a window. When smoke is pouring in, you don't have time to think. Developing an alternate way out in advance can save your life.
The faster you move, the better. It's a good idea to have trial runs a few times a year to make sure every member of your household can escape in just a few minutes. This is especially beneficial for younger kids who might struggle climbing out of windows. If you have a two- or three-story home, accessing a ladder might be necessary. Consider getting an escape ladder to install under your windows.
3.Establish a Meeting Place
Every good emergency escape plan should include a meeting place outside the home, such as a tree or a nearby house. This is a good way to make sure every member made it out of the flame-infested property. From there, you can call the fire department and a fire restoration company that can get started on cleaning up the damage.
A home fire is never a happy occasion. Developing a fire escape plan is the best way to make sure every member of your household understands how to respond during an emergency. With adequate preparation, hopefully, the only damage during this event will be to your possessions.
Is Black Mold Grounds To Sue a Commercial Landlord?
Mold damage in East Greenwich, RI
As a commercial business owner, the last thing you want is black mold destroying your property. If you rent, your building landlord may be responsible for this costly issue. Find out if you have grounds to sue upon finding mold invading your commercial space.
First Steps When Mold Overgrowth Is Suspected
Black mold can often go undetected. Therefore, if you notice any signs at all, it's best to contact your landlord immediately. Ask to have professional mold remediation experts brought into the site. This will establish a paper trail, providing evidence that you have reported the issue. Landlords are legally required to remove the mold and provide compensation for any damages incurred. There are certain laws that protect tenants from improper building conditions. Look into garnering professional legal advice to find the specific building codes for commercial rentals in East Greenwich, RI.
At this stage, you should familiarize yourself with contractual caveats in your lease agreement, including (but not limited to):
- Responsibility of tenant for property damage;
- Preventative measures required by the tenant;
- Mold removal rules;
- And landlord responsibility for fixing plumbing and ventilation issues.
Remember that water damage, such as that from leaky plumbing, will likely cause mold overgrowth. Figure out whom your lease agreement holds responsible for fixing any defects in the commercial property. It is usually the responsibility of the landlord to promptly address any maintenance requests. However, there may be a separate mold addendum that outlines preventative measures or instances in which to contact property maintenance. Ensure that you have done everything mentioned to mitigate the possibility of fungus overgrowth in your rental. Then, and only then, do you have enough reason to move forward with a lawsuit.
Grounds To Sue
Once you've carefully considered the above steps, you may move on to exploring legal options. Just ask yourself:
Did the landlord refuse to take action?
Have damages to your property occurred?
Have you lost income due to these damages?
Even if the landlord did take action, destruction of your property beforehand may still be enough to sue. If you answered yes to any of the above questions, you can start looking into filing a lawsuit against your landlord due to black mold.
3 Tips for Managing Flood Risk
Flood damage in Warwick, RI
3 Tips for Managing Flood Risk
The FEMA NFIP program exists to help homeowners recover from damage caused by floods. Floods damage thousands of homes every year, but even homeowners at the highest risk of encountering flood damage can take steps to reduce their risk.
1. Know Your Flood Zone
To mitigate your flood risk, you first need to know what your flood risk is. The Federal Emergency Management Agency's Flood Map Service Center provides free flood maps. You can use these maps to determine whether your property is located in a high, moderate or low-risk flood zone.
2. Purchase Flood Insurance
One of the most important risk management steps you can take is to purchase flood insurance through the FEMA NFIP program. Homeowners located within a high-risk flood zone may be required to purchase this insurance to protect against flooding damage, but it is also available to homeowners outside of high-risk areas. Purchasing flood insurance ensures that if your home is damaged or destroyed in a flood, you will have access to financial compensation that will make it possible to repair or rebuild your home. Even if you already have homeowners insurance, you may need a separate flood policy, because most homeowners policies exclude coverage for flood damage.
3. Protect Your Property From Flooding
If your home is located in a high-risk flood zone, take steps to protect it from flooding such as placing the home on stilts. You can also add landscaping features, such as swales and rain gardens, add runoff drainage to your driveway, plant native plants that increase soil drainage and move interior and exterior equipment above the flood line. If your property floods, contact a flood restoration company in Warwick, RI, to assist with drying it out as quickly as possible.
It is beneficial for all homeowners to manage their flood risk by taking steps such as purchasing flood insurance through the FEMA NFIP program. Homeowners with property located in high-risk flood zones should particularly be aware of managing their flood risk.
3 Fire Prevention Tips for Your Business
Train your employees ho to use a fire extinguisher
Consider Incorporating These Three Tips Into Your Plan
Your fire prevention plan is one of your best defenses against fires occurring in your business.
1. Know Your Risks
You should be familiar with fire safety codes for your business. The National Fire Protection Association publishes information on commercial fire safety. Additionally, the fire marshal and local government in Warwick, RI, may offer resources that can help you prevent a business fire. Ask about having the fire marshal visit your property. If this isn't an option, your building's property manager may be able to assist.
2. Train Your Employees
Without proper employee training, most of your fire prevention efforts will fail. Make sure your employees are familiar with your fire plan and know what to do if a fire occurs. Training should include instruction on evacuating the building, contacting emergency services, providing first aid, scheduling fire restoration services, and using fire extinguishers. Designate one of your employees as your fire safety officer. This person will be responsible for creating escape routes, updating your fire plan and ensuring your fire safety equipment is up to date. Establish meeting points for employees so that you can make sure everyone is accounted for during a fire.
3. Install Fire Suppression Equipment
Sprinkler systems that automatically deploy when extreme heat from a fire is detected are 95% effective at preventing the spread of small fires, according to the National Fire Protection Association. In addition to sprinklers, fire extinguishers should be installed in all areas of your business, so that employees can put out small fires that do not trigger the sprinkler system. Cooking areas in your building should be outfitted with fire suppression systems designed to douse cooking fires.
A comprehensive fire prevention plan can help you avoid fire damage and mitigate any fires that do occur. These three tips can help you create an effective plan.