4 Things Business Interruption Insurance Covers After a Fire
Protect your investment against fire by acquiring business interruption
4 Things Business Interruption Insurance Covers After a Fire
When fire emergencies happen in commercial buildings, the cost of damage can be extensive. In addition to facing destroyed property and equipment, business owners must also deal with wage losses and ongoing rent costs. For this reason, many have business interruption insurance to protect their investment against fire damage. If you are unfamiliar with this kind of insurance, it can be a good idea to learn if you have it and what it covers before you need it. Often, it is part of your overall property insurance and includes:
1. Lost Sales and Revenues
One of the most financially difficult parts of a business fire is the loss of income that comes with the inability to work as normal. The good news is, most policies cover the period of time when business owners cannot make regular profits due to a fire.
2. Temporary Relocation
After a fire, professional fire damage restoration experts will have to assess, clean, reconstruct and repair your building. Since this process can take some time, it is common for business interruption insurance to cover costs associated with the temporary relocation of your business.
3. Ongoing Rent and Utility Costs
Rent does not stop just because you cannot use your commercial property while it undergoes fire cleaning. Along with relocation, this kind of insurance usually pays for ongoing rent and utility costs throughout the fire damage restoration process.
4. Other Reasonable Expenses
While most insurance policies offer similar types of coverage, the details are not always the same. Many policies will also cover other reasonable expenses related to a business fire, but the specifics of what your insurance company considers "reasonable" will depend on what your policy says.
In a nutshell, business interruption insurance covers the period of time when a fire causes financial interruptions for a business. If you have questions about what your policy covers, take some time to better familiarize yourself with what you have before an emergency happens. Preparing now can prevent stress later.
5 Things Homeowners Should Do if Mold Damage Happens After a Flood
Storm water cleanup
Take The Following Steps To Protect Your Property
When a home in Mount Prospect, IL, is impacted by floodwaters, the property becomes susceptible to mold growth. Microscopic spores take off, spreading within the space. Spores grow when they interact with liquid and organic matter. Once this reproduction starts, it's hard to control. The organisms multiply quickly within 24 to 48 hours. It's important that residents take the following five steps to protect the property.
1. Remove Moisture
Any standing water is a mold concern. Work quickly with a water restoration company in Mount Prospect, IL, to evaluate the extent of exposure; then, immediately work to dry out the rooms. Place industrial dehumidifiers in wet zones, allowing the devices to extract humidity from the air and structure. In addition, any additional water should be pulled out of the residence using a wet vacuum.
2. Reduce Spore Levels
Fungus thrives not just on the surface of objects but within them as well. Therefore, the best method to hinder mold growth is to physically reduce the contamination. Anything porous and damp should be extracted. Tear out drywall, ceiling, and carpeting if it was exposed. These cannot be cleaned with chemicals.
3. Apply Antimicrobial Formulas
Nonporous items may remain, but they should be washed thoroughly with soap and water. Any lingering fungal or bacteria infestations may be handled by applying an antimicrobial spray.
4. Clean Contents
Don't just focus on the house. Also, consider what is inside the space. Furniture, pictures, and other valuables may be harboring spores. Content cleaning specialists have high-tech equipment to salvage some of these important pieces. Work with the remediation team to see what may be kept and what needs to go. It's important to evaluate everything.
5. Replace Saturated Materials
New drywall and flooring may take time, but the actions permit a fresh start for the residents and assist in providing a cleaner space. Once the room has been sanitized properly, the new materials may be brought inside.
Mold growth doesn't take a long time; in fact, once a flood occurs, the issue could begin overnight. For this reason, homeowners should act quickly to mitigate the destruction, concentrating on maintaining a dry space and eliminating fungal numbers.
Can Drain Cleaner Damage Pipes?
Chemical drain cleaners can cause more problems than they fix
Can Drain Cleaner Damage Pipes?
If anyone in your North Des Plaines, IL, household has long hair, you are probably all too familiar with having a clogged drain. When you are trying to use the bathroom sink to brush your teeth, nothing is more frustrating than watching water collect in the basin. Out of annoyance, it can be tempting to grab a bottle of drain cleaner from your local store, but should you? Sometimes, chemical drain cleaners can cause more problems than they fix.
When You Should Not Use Drain Cleaners
Drain cleaners can solve minor issues when it comes to a clogged drain, but you should not use them regularly. Over time, the chemicals inside the cleaner can wear away at piping. That said, there are some instances when you should not use drain cleaner at all on your drains. Examples of these times include:
- When you have plastic pipes
- When you have old and/or weak pipes
- When the drain is completely clogged
If any of these situations apply to you, it is better to contact a sewage cleaning professional to assist with your problem.
Problems With Drain Cleaners
Why can drain cleaners be so harmful? It comes down to how they work. When there is a big clog in your pipe, drain cleaners work through it by using heat. This heat is usually generated through one of three chemicals: caustic, oxidizing or acid. These create powerful chemical interactions that work by corroding away buildup. In the same way, they can also cause corrosion to the pipe. Another problem that arises is having a clog caused by fats, oils or grease. Referred to as "FOG clogs," these kinds of drain clogs can lead to further blockage because the clog is simply pushed further down the pipe into a harder-to-reach location.
While drain cleaners can sometimes be useful, it is important to think about their risks. It is always wise keep your home's unique piping conditions in mind before pouring any chemicals down a clogged drain.
Three Reasons You Shouldn't Use Bleach To Remove Mold
Don't use bleach to remove mold
Here Are Three Reasons Why Not To Use Bleach
If you find a little bit of mold in your building in Mount Prospect, IL, you might think you can get rid of it with just some bleach and a scrub brush. This is not the best way to do some fungus cleanup. here are three reasons why.
1. It Doesn't Fully Kill the Mold
If the mold you're seeing is on a porous surface such as drywall or wood, you're only seeing the tip of the iceberg. The root of the mold is far beneath the surface, and if you don't kill that, the mold will just keep coming back. Cleaning supplies can't get all the way to the root, so even if you use them to get rid of the visible mold, you won't fully kill it this way.
2. It May Feed Mold Growth
Mold and fungus cleanup is a tricky process because fungi feed on damp environments, which means adding water can actually make the problem worse. Bleach is mostly water, believe it or not, and the chlorine that gives it its cleaning power evaporates faster than water. As a result, putting it on a moldy area can actually make the problem worse, because the water sticks around, allowing the mold to grow back and then spread.
3. It Can Harm Your Surfaces
Bleach is a powerful cleaner for a reason. You've probably seen what happens when you accidentally splash some on your clothes or a towel, and your walls and floors are no different. The damage caused by the substance might be acceptable if it actually worked to cleanup mold, but since it doesn't, the stains are far from worth it. It's best to call in a mold remediation company to have them clean the mold with professional equipment.
Fungus cleanup can be complicated, so if you find some mold in your building, it's best to leave it to the professionals.
Why You Need to Replace Polybutylene Pipes
Polybutylene piping is common in older buildings
Know When To Replace Them
Polybutylene piping is common in older buildings. You may have heard it referred to as poly b plumbing. However, these pipes have caused a lot of damage that can only be fixed by a qualified restoration company. This is because they can fail without warning signs. Therefore, if you find poly b pipes in your building, you should know when to replace them with new plumbing.
When Should You Replace Your Pipes?
Several things can indicate it is time to replace your polybutylene pipes. The most common signs include:
- The pipes have started to break down
- The pipes are starting to flake
- A piece breaks
- You are located in an area that doesn't allow poly b pipes
- You want to purchase property insurance
- You want to sell your home
What Maintenance Can Delay Replacement?
When you discover polybutylene pipes in your building in Mount Prospect, IL, you will probably want to replace them. However, if you do decide to keep them, there are ways you can maintain them so they last longer. For instance, you can hire a plumber to replace the fittings with brass or copper. This limits the breakable parts on your plumbing.
You can also protect your pipes by checking the metal bands that keep them in place. If any become too tight, they can cause the pipes to fracture and water to leak. To avoid this, you can check and loosen any overtightened bands. You should also monitor the pressure reducing valve that protects your pipes. Keep the water pressure in your building under 60 psi for the best results with poly b pipes.
There are certain steps you can take to maintain your poly b pipes. However, you will want to change these eventually. This is because the pipes can break without any warning signs. This can lead to a lot of water damage to your building. Replacing these pipes quickly will reduce this risk.
4 Tips for Keeping Your Home Fire-Safe
Maintain smoke detectors
A home fire is an unthinkable tragedy. However, if everyone in your Mount Prospect, IL, household understands fire safety, it will significantly reduce the likelihood of the worst happening. The first step of fire preparation is knowing how to prevent a disaster altogether.
1. Be Careful With Open Flames
Never use any open flame, such as candles, unattended. Put them on sturdy surfaces, away from anything flammable and out of reach of children and pets. Always smoke outdoors. Use sturdy ashtrays that are deep enough to trap the butts and ashes. Never place an open flame in the vicinity of medical oxygen.
2. Safely Heat Your Home
Keep flammable materials (including curtains and bedding) at least three feet from space heaters, furnaces, radiators, woodstoves and fireplaces. Use only space heaters that have an automatic shutoff function in the case of overheating or tipping.
3. Use Caution When Cooking
Never leave anything unattended while it’s cooking on the stove or broiling. Ensure that pot and pan handles are always turned toward the back of the stove so they can’t be knocked off. One easy fire preparation tip is always to keep a pot lid next to the stove when cooking; if flames erupt, you can easily slide the lid over the fire. Then, turn off the burner. Also, keep a kitchen fire extinguisher nearby and make sure everyone knows how to use it.
4. Maintain Smoke Detectors
Make sure that your smoke detectors are in good working condition by testing them a couple of times a year. Once a year, replace the batteries. Dust and vacuum the detectors when you test them and change the batteries. Dust can build up, making them less effective. Every 10 years, replace the smoke alarms themselves.
No matter how careful you are with your fire safety, there are never guarantees. Always have a fire preparation plan in place. If a disaster occurs, fire damage cleanup professionals can return your home to its preloss condition.
Top 5 Places to Look for Mold
Mold damage in North Des Plaines, IL
You Should Check The Following Areas
Mold damage has the potential to ravage your North Des Plaines, IL, home if the situation isn't handled properly. Performing regular home inspections to check for mold and mildew can help you catch the problem while it's still small and ultimately save you time and money in costly mold remediation. If you're not sure where to start looking, try checking the following locations.
1. Your Bathroom
Where there's water, there's the potential for mold growth. Your bathroom comes into a lot of contact with water. Check for mold in the shower, the bathtub, underneath the sinks, around any exposed piping and in the window sills.
2. Your Kitchen
You need to make sure that you regularly remove old food items from your refrigerator and pantry, as these can sponsor unwanted mildew growth. It's also important to check around and underneath the sinks as well.
3. Your Laundry Room
Your washing machine also has the potential to house mold. You need to make sure that you properly air the drum out after each cycle. At least once a month, you should also run an empty cycle on high heat with a cup of white vinegar in the drum. This can help prevent future mold growth and keep your laundry fresh.
4. Your Living Room
While you might not be able to see it as easily, your living room's carpet can also fall victim to mold damage. Neglecting to clean up spills right after they happen can lead to moisture getting trapped underneath the carpeting, causing black mold to grow on the flood boards beneath.
5. Your Basement
If you have an unfinished basement with exposed water pipes, then you need to take extra time checking for mold. Inspect your water pipes and around the water heater for signs of mold.
Performing regular home inspections can help you catch the problem before it has the chance to spiral out of your control. Make sure to contact mold remediation experts for assistance if your inspection does uncover signs of mold damage.
How To File a Water Damage Claim
Homeowners may file an insurance claim, seeking financial assistance in the restoration efforts
Follow These Four Steps
When a home in Mount Prospect, IL, suffers from water damage, homeowners may file an insurance claim, seeking financial assistance in the restoration efforts. The process, for many, may seem intimidating, but it doesn't have to be that way. By taking initiative and remaining organized, residents can make the experience easier. It's important to follow these four steps, always remembering to record every effort made.
1. Report the Damage
If the flood destroyed structural materials and personal belongings, immediately call your insurer to request assistance. It's important to relay the details of the initial event and ask questions about your policy. Double-check the deductible amount and the total coverage that is available.
2. Arrange for Inspections
Obtain an assessment from a water remediation company. The professionals should check the moisture saturation levels and determine how much tear out, drying and construction are needed to repair the space. In addition, the insurer should send an adjuster to review the premises. Be available during this time to walk the property together and point out any problems. The company uses the adjuster's report and other estimates to evaluate the insurance claim.
3. Photograph Everything
Evidence of the issues is important. Before any work is done, take photos of the pipe burst and any subsequent destruction. Soggy carpets, ruined drywall and soaked valuables should be noted. Usually, policyholders have both personal loss and property loss coverage. Be sure, therefore, to record everything of concern. Save these in a file on your computer and share them with the agency.
4. Submit Receipts
Begin any immediate cleaning. Delaying too long could cause further complications. Make a list of all the expenses. Send this itemization with the receipts to your insurer to file toward your insurance claim.
Don't hesitate to work with your insurance agency to get the monetary support required to fix your house after a pipe burst or flood. Remember to remain clear and structured with each step.
Restoring Your Commercial Property After A Water Damage Event
We are water removal experts and will restore your property to pre-damage conditions
Flooding and water damage events at Mount Prospect or Des Plaines commercial properties are often complex with numerous issues that require a knowledgeable and flexible response. Whether we’re dealing with a relatively small water cleanup scenario or a large scale event, we work quickly to assess each unique situation and isolate the damaged area. In many instances, normal operations can continue in a temporary space while we restore your facility.
Restoring Commercial Properties Presents Unique Challenges
Our professionals are trained to be mindful of legal and environmental concerns and strive to fully restore the damaged area while working within your budgetary constraints. We understand that every hour spent cleaning up is an hour of lost revenue and productivity. So when an emergency situation arises in your business, give us a call and we’ll be there fast with the help you need.
About SERVPRO of Mount Prospect/North Des Plaines
SERVPRO of Mount Prospect/North Des Plaines specializes in the cleanup and restoration of commercial and residential property after a water damage event. Our staff is highly trained in property damage restoration. From initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property.
Mount Prospect/North Des Plaines Smoke and Soot Cleanup
We are prepared to respond to any Fire Damage Emergency in Mount Prospect, IL
Smoke and soot is very invasive and can penetrate various cavities within your home, causing hidden damage and odor. Our smoke damage expertise and experience allows us to inspect and accurately assess the extent of the damage to develop a comprehensive plan of action.
Smoke and soot facts:
- Hot smoke migrates to cooler areas and upper levels of a structure.
- Smoke flows around plumbing systems, seeping through the holes used by pipes to go from floor to floor.
- The type of smoke may greatly affect the restoration process.
Different Types of Smoke
There are two different types of smoke–wet and dry. As a result, there are different types of soot residue after a fire. Before restoration begins, SERVPRO of Mount Prospect/North Des Plaines will test the soot to determine which type of smoke damage occurred. The cleaning procedures will then be based on the information identified during pretesting. Here is some additional information:
Wet Smoke – Plastic and Rubber
- Low heat, smoldering, pungent odor, sticky, smeary. Smoke webs are more difficult to clean.
Dry Smoke – Paper and Wood
- Fast burning, high temperatures, heat rises therefore smoke rises.
Protein Fire Residue – Produced by evaporation of material rather than from a fire
- Virtually invisible, discolors paints and varnishes, extreme pungent odor.
Our Fire Damage Restoration Services
Since each smoke and fire damage situation is a little different, each one requires a unique solution tailored for the specific conditions. We have the equipment, expertise, and experience to restore your fire and smoke damage. We will also treat your family with empathy and respect and your Mount Prospect property with care.
Have Questions about Fire, Smoke, or Soot Damage?
Call Us Today – 847-956-1880