3 Facts That Will Make You Want To Buy Flood Insurance
To protect yourself against this, you need to add flood insurance.
Is Flood Insurance Good For Your Business
If your business has a high risk of flooding, your commercial insurance agent has probably already talked to you about flood insurance. However, those who live in low- and moderate-risk zones on the FEMA maps can also purchase policies. If you're in these lower-risk areas, you're probably wondering if the cost is worth it. Even though some policies can be steep, paying for a storm restoration company can be even higher. Here are some facts you can use to decide if flood insurance is a good option for your business in Cumberland Estates, TN.
1. Property Insurance Doesn’t Cover Storm-Related Flooding
Standard commercial insurance only covers water while it is in the sky or leaking from your pipes. In other words, it's not going to pay for flood damage. For instance, they will cover water damage from a window that broke during a storm. However, your insurance will not cover damage from the rising creek behind your office buildings. That can leave you paying for a lot of damage even though you have property insurance.
2. Your Business Is at Risk of Flooding
It's more how much, not if. Flood maps tell you your business's risk of flooding. In short, zones V and A have a high risk. Zones C, B, and X are moderate- to low-risk. Zone D hasn't been mapped yet, although there is still a risk of flooding.
3. Government Aid Isn’t Free
The majority of government aid for businesses is loans that you need to repay. Plus, you have to live in a federally declared disaster area to get this money, meaning buying a commercial insurance policy is a better option.
Buying a flood policy is your only chance to protect your business. Without one, you could be facing steep monetary losses for cleanup costs. On top of this, you would have to replace any damaged items associated with the flood. This can add to your losses. Crippling totals can bring your business to its knees. To protect yourself against this, you need to add flood insurance. This small step can do great things for protecting your business.
Emergency Kit for Your Commercial Property
Be prepared at your business with an Emergency Kit. Ready.gov suggests you have enough supplies to last for at least three days.
Below are some suggested items to include at your commercial property in case you are dealing with an emergency!
-3-day supply of non-perishable foods
- Water (one + gallon per person day)
- First-aid kit
- Prescription medication
-Sleeping bag or blankets
- Fire extinguisher
-Cell phone charger
-Matches in a waterproof container
-Wrench or pliers to turn off utilities.
-Whistle to signal for help
-Infant formula and diapers
-Important documents such as insurance policies, IDs, and bank records in a plastic container.
How to be Flood Smart
Floods are one the most common and widespread natural disasters in the United States. Whether your home or business is near a coastline, along with city streets, in the mountains, near a river or even in the desert- there is always the potential for flood damage. Floodsmart.gov reports, in the last 5 years, all 50 states have experienced floods or flash floods. Just because you haven’t experienced a flood in the past, does not mean you won’t in the future. In fact, nearly 20% of all flood insurance claims come from moderate-to-low risk areas. On average, floods cost 3.5 billion in annual losses in the United States
According to the American Red Cross, floods cause more damage in the U.S. every year than any other weather-related disaster. The ARC offers the following flood safety tips
Stay away from floodwaters. If you come up on a flowing stream where water is above your ankles, stop, turn around and go another way. Six inches of swiftly moving water can sweep you off your feet.
If you approach a flooded road while driving, turn around and go another way. If you are caught on a flooded road and waters are rising rapidly around you, get out of the car quickly and move to higher ground. Most cars can be swept away by less than two feet of moving water.
Keep children out of the water. They are curious and often lack judgment about running water or contaminated water.
If a flood does strike your home or business contact your local SERVPRO Franchise Professionals. Even minor floods have the potential to cause major damage to a structure when not treated quickly and properly, and the cleanup is often an overwhelming task. The SERVPRO System is prepared to handle any sized disaster. When fire and water take control of your life, your local SERVPRO Franchise Professional will help you take it back.
Commercial Property Insurance Guide
Commercial insurance is an essential tool for business owners who need to protect their investment and ensure their business.
Commercial property insurance covers many of the same causes of loss and types of property that residential property insurance covers. However, there are a few differences. This guide provides an overview of commercial insurance.
Causes of Loss
Commercial property insurance may be either an all-perils policy that covers any peril not specifically excluded or a named perils policy that only covers the particular perils named in the document. Typically, business property insurance protects against the same kinds of calamities and natural disasters listed in residential property insurance:
The policy may also be packaged with other policies that provide additional types of coverage such as business interruption or general liability. An insurance agent in Karns, TN, can help explain the explicit details of your specific policy.
Premiums for commercial insurance are primarily based on the coverages provided and the value of the property protected. For some types of coverage such as fire damage, other factors may influence premiums. These considerations might include the kind of material used in the construction of the building, the distance of the building from the nearest fire department and whether combustible materials are stored in the facility.
Types of Property Insured
A commercial policy typically covers the building where your business is located, equipment such as computers, furniture and phone systems, records and documents, inventory kept on-site, manufacturing equipment, and signs, satellite dishes and exterior landscaping items such as fences and trees. In some cases, property belonging to other people, including customers, that is in your custody may be protected. Your policy may also provide compensation for restoration services, such as fire, water or storm cleanup.
Commercial insurance is an essential tool for business owners who need to protect their investment and ensure their business can continue operating after a fire, natural disaster or another event. Understanding how your coverage works helps you keep your business adequately safeguarded from unexpected disasters.
Smoke Alarms & Your Commercial Structure
Smoke alarms play a vital role in saving lives, and when properly installed, can reduce the risk of fire injury by half.
The National Fire Protection Association recommends smoke alarms be installed in every bedroom, outside all sleeping quarters and on every level of the house. Business owners should consult the local Fire Marshall to ensure specific building fire codes and smoke detector requirements are met.
Smoke alarms work best when paired with a fire escape plan. A plan allows your family, employees or clients to escape quickly and safely in an emergency situation.
Review the following tips regarding smoke detector installation and maintenance. For more on emergency preparedness, contact your local SERVPRO Franchise Professionals.
Install smoke alarms on every level of the home, including the basement.
Smoke alarms should be installed away from the kitchen to prevent false alarms. Generally, they should be at least 10 feet from cooking appliance.
Test smoke alarms at least once a month using the test button.
Replace batteries in all smoke alarms at least once a year. If an alarm “chirps” the battery is low and should be replaced right away.
Replace all smoke alarms when they are 10 years old.
Top Alternatives to Using Sandbags
Inflatable flood dams are interesting because they use water to prevent flooding.
When you expect a flood in West Hills, TN, you might automatically think of using a sand bag to stop floodwaters from creeping into your business. This might not be your best solution, but there are plenty of alternatives.
Why Seek an Alternative?
Sandbags have many issues when it comes to preventing water from creeping in and the need for water damage remediation. Some of these issues are:
- Difficulty storing
- May become environmental hazards
When you use them for flood prevention, storage, setup and disposal are all cumbersome. They also are not the best way to prevent flood damage.
Transportable Flood Fence
These barriers keep the water out by encircling whatever you need to be protected. You can encircle your entire business if you need to. They are harder to prepare than the more traditional sandbag. Unfortunately, this solution is not practical if you have a small area like a doorway or your business is part of a strip complex. They also can be fairly costly.
Poly Tube Flood Barriers
These work on a similar concept as sandbags do. They consist of a long tube that can be filled with any heavy substance, including sand. You then stretch the tube across something as small as a doorway or as large as a bay door. This is a type of dam that can be lengthened or shortened to suit your needs. You just fill it as high as you need it and then put it into place. The only problem comes in when it is at full length. It can be difficult to move on your own.
Inflatable flood dams are interesting because they use water to prevent flooding. You lay it out and fill it up. Unfortunately, this type can be cost-prohibitive if you are trying to cover a large area. Still, if you have a large area that floods frequently, it might just be worth it.
Consider these solutions to protect yourself. You don't need the hassle of filling a sandbag to prevent floodwaters from entering your business.
Spring Storm Season!
Storm season is underway! Storm season begins June 1 and runs through November 30. The Eastern Pacific storm season began in mid-May and also ends November 30.
Storms can be life-threatening as well as cause serious property threatening hazards such as flooding, storm surge, high winds, and tornadoes. While the primary threat is in coastal areas. many inland areas can also be affected by these hazards, as well as by secondary events such as power outages as a result of high winds and landslides due to rainfall.
Preparation is the best protection against the dangers of a hurricane. Plan an evacuation route and your emergency plan, take inventory of your property, and take steps to protect your home and business. For more information and preparation tips, visit the Ready campaign website www.ready.gov.
Understanding Water Types
Types of Water Are Critical to Proper Cleanup!
When your home or business suffers a water damage, understanding what type of water you are dealing with is critical to ensuring proper cleanup.
There are three types of water. Clean water is water from a broken pipe or other water source; rainwater is also considered clean. The term gray water is used to classify slightly contaminated water. Clean water becomes gray water when it is left untreated allowing bacteria and other contaminants to begin growing, making the water hazardous. Black water is highly contaminated and filled with fungi, bacteria, chemicals and more. Black water is typically caused by sewage damage, flooding or any type of natural disaster. Black water should always be handled by trained professionals.
Consider taking the follow precautions to help minimize damage or prevent further damage while waiting for help to arrive.
Damage from Clean Water in Knoxville, TN
-Shut off water source if possible or contact a qualified professional to do so.
-Turn off circuit breakers for wet areas of the building if access to the power distribution panel is safe from potential electrical shock. Do not enter rooms with standing water, as electrical shock hazards may exist.
-Remove as much excess water as possible my mopping and blotting. Wipe excess water from wood furniture after removing lamps and table items.
-Remove and prop up wet upholstery cushions to allow more even drying.
- Move any paintings, art objects computers, documents and other valuable items that may be sensitive to moisture to a safe place.
-Do not leave books, newspapers magazines or other colored items on wet carpets or floors as they may cause staining.
- Do not use your household vacuum cleaner to remove water as there is potential for electrical shock causing damage to the vacuum cleaner.
-Do not turn on ceiling fixtures if the ceiling is wet; do not enter rooms where ceilings are sagging from retained water.
Damage from Contaminated Water in Knoxville, TN
-Avoid all contact with sewage and items contaminated by sewage. Wash your hands thoroughly if you come in contact with contaminated items.
-Do not walk through contaminated areas, as you could spread damage to unaffected areas.
-Do not turn on the HVAC system if there is a possibility of spreading contaminated air.
-Do not use household fans to dry the structure; air flow could spread contaminants.
-Discard any food and/or products for personal hygiene and cleanliness if exposed to the contaminated areas.
Causes and Solutions for Bursting Pipes
Bursting pipes can be extremely intimidating to deal with.
As the weather gets colder, your home is in danger from bursting pipes. If you've ever put a full bottle of soda or water in your freezer and forget about it, you are familiar with this concept. When water becomes ice, it expands and overflows or breaks its container. The same thing can happen with your pipes. No matter what the cause, a burst pipe can cause a lot of damage very quickly.
Understand Why Pipes Burst
A pipe can crack or burst when the pressure builds up. This is sometimes caused by:
- Freezing water in pipes
- Corrosive buildup
- Clogs that cause pressure on joints
Pipes can also crack if your plumbing is loose. When pipes shake or move as water passes through them, it can cause stress fractures.
Do This First
Bursting pipes can be extremely intimidating to deal with, particularly when they are throwing chunks of ice or water around. Your first step is always to turn off the electricity and water to the area where the pipe is leaking. If you cannot safely reach the electrical panel, turn off the water first and stay away from the wet area.
Call Those Who Know
After stopping the water, the first calls you should make are to your insurance company to see if the pipe is covered, a plumber who can fix broken pipe or lines and a water damage remediation company in Cedar Bluff, TN, to help you with the repairs. After these conversations, you can begin to work on recovering.
Take Steps To Protect Your Property
Drain your faucets and remove any undamaged electronics, furniture or appliances. Clear away what water you can if a remediation company cannot come right away. If it is not too cold, open your doors and windows to help with the drying process. You can also turn on fans and heaters to prevent further water damage.
Fortunately, freezing, broken or bursting pipes are not the end of the world. A good remediation company and quick cleanup is the key to making your home safe and dry again.
A Closer Look at Types of Fire Alarms
A photoelectric alarm uses a beam of light in a chamber and a light sensor.
Two Main Types Of Alarm In The Market
Home fires in the U.S. cause many injuries and millions of dollars in property damage. These devastating fires come from many sources, with the following causes among the most common each year:
- Heating appliances
The good news is that all of these fires can be detected by a modern fire alarm. When installed in a home in Knoxville, TN, these units alert occupants of the presence of danger by loud noises and sometimes by visual signs. Many types can be purchased online and in stores. All are effective in reducing fire deaths and minimizing fire damage to property. Here is a closer look at the two main types of alarms on the market.
An Ionization Alarm
This type of fire alarm excels at detecting fires with open flames. It operates by using a bit of radioactive material inside the unit that sits between two electronically charged plates. A current of ionized air runs between the plates. When smoke enters this area, it breaks the current and sets off the alarm. These units should be installed in every bedroom and at least one on each floor of the house, including basements and attics.
A Photoelectric Alarm
This type of fire alarm is better at detecting smoldering fires. It uses a beam of light in a chamber and a light sensor. When smoke enters the chamber, it reflects the light toward the sensor and triggers the alarm. This technology is a solid choice to prevent smoke damage to a home. For even more protection, a person can get a combination alarm that uses both technologies just described. In the case of fire damage, a professional fire mitigation company can restore a home to its original condition. An experienced crew employs advanced equipment and proven techniques to clean and restore a home. Along with working fire alarms, a mitigation franchise is part of a solid protection plan against fire damage.