Recent Commercial Posts
Basic Facts About Commercial Insurance Coverage
With adequate coverage, your Wichita, KS, business can survive the devastation of fire damage
What is commercial insurance? This coverage, sometimes known as business property insurance, offers valuable protection whether you own your Wichita, KS, business or lease office space. This type of coverage is often available as part of your business owner's policy. It generally provides protection for the building, the supplies and furnishings inside the building, and certain exterior features, such as fences and signage. This insurance is mostly used to protect physical assets from disasters such as fire, storms, and vandalism. It may be worthwhile to ask your insurance provider about policies that cover computer information and revenue.
Factors Affecting Premiums and Coverage
Although commercial property insurance offers many benefits, business owners must consider their financial well-being. As you decide how much to pay for this coverage, there are many factors to keep in mind.
- Is your city prone to natural disasters? Are you located next to a business that is at high risk of fire damage?
- What type of materials were used in the construction of your business? Is the building old? Is it in compliance with current coding requirements?
- What kind of industry does your business fall into? What type of work do the occupants of your building do on the premises?
- Have you taken the necessary steps to protect your business from fire? Is a fire suppression system in place? How far away is the nearest fire station?
The answers to these questions can help you determine how much you'll pay for a premium and how much commercial insurance coverage you'll need.
Factors Assessing How Much Risk You Can Handle?
As you weigh the costs versus benefits, don't forget to factor in the financial risks you may face. If your building is affected by fire, whether directly or externally, you may face heavy losses to the structure of the building, repair and remediation services, and lost revenue while you recover from the disaster.
Commercial insurance offers peace of mind. With adequate coverage, your Wichita, KS, business can survive the devastation of fire damage.
Mitigate Water Damage In 4 Steps
Water damage can lead to serious problems at a commercial building in Salina, KS. Mitigation involves preventing damage from worsening before the affected area can be restored. Follow these four steps to address the cause of water damage and complete pipe burst cleanup.
1. Fix the Cause
Water damage will worsen until the cause is fixed. If a pipe breaks or you notice a supply line leaking, shut off the water supply and gather as much water as possible. This will limit the amount of moisture that soaks into building materials and contents.
2. Remove Standing Water
After the problem is solved, empty containers and eliminate all standing water. A building owner may want to contact a water cleanup and damage restoration service. Professionals can use a pump to get rid of every trace of water and complete pipe burst cleanup more quickly than is possible with consumer-grade equipment.
3. Clean If Necessary
A supply line burst or leak is likely to involve clean, treated Category One water. Cleaning may not be necessary if you act quickly. Category One water can degrade to Category Two if left standing for 48 hours or longer. Disinfection is necessary for damage caused by contaminated Category Two or Category Three water.
4. Dry and Restore
Once all standing water is gone, it is time to dry the affected area. Cleanup professionals may use air movers, fans, or dehumidifiers to draw water out of the air and porous surfaces. Drying will reduce the risk of mold growth after any category of water damage.
Restoration can only be completed after the affected area is completely dry. Depending on the extent of water damage, a longer drying period and additional equipment may be necessary. Pipe burst cleanup may take longer than damage caused by a supply line leaking. Rely on water cleanup professionals for the best results.
3 Ways To Prepare Your Business for Flood Damage
Flood damage in Topeka,KS
Flooding can cause your business in Topeka,KS, to sustain major damage, and the cleanup process can be expensive and lengthy. However, preparing your business for flood damage can help your business return to normal quickly after a flood.
1. Protect Valuable Items
When floods occur, they often occur without warning, giving you little time to move items in your business. Items that are left unprotected could be badly damaged or destroyed as a result of black water, or water that is contaminated with potentially hazardous bacteria. Keeping valuable documents and other items in higher areas within your building can protect them from water damage. Additionally, you should store your most valuable items in water-resistant containers.
2. Back Up Essential Data
Data helps a business run smoothly, and without necessary data, your business can face time-consuming setbacks. Since you may not have a chance to back up all of your data as soon as you hear about the possibility of a flood, it’s best to routinely save your data and make backups. There are various ways in which you can backup data by using cloud services or external hard drives. Having multiple places to store your data is best, in case one form of backup happens to fail.
3. Purchase Flood Insurance
To ensure your business can recover financially from the effects of a flood, it’s important to have flood insurance. Many insurance companies do not cover the costs of flooding, and it’s important to check your business’s policy to know what will and will not be covered in the event of a flood. If you already have flood insurance, make sure to renew it when needed.
Preparing your business for the impacts of flooding can offer you peace of mind and can save you money and time. In addition to taking preventative steps, make sure to contact the experts in flood damage restoration so your business can open its doors as soon as possible.
Quick Guide to Category 3 Water Damage
Commercial equipment for your restoration emergency clean up in Emporia, KS
As a Emporia, KS, business owner, you take pride in your profession and want to make sure that your building is safe and secure after a flood water disaster. If you are told that you have Category 3 water damage on your property, you will want to know what that means and how you can eliminate the problem. Read on for information on what Category 3 damage is and how you can clean it up.
In order to understand what Category 3 means, you need to recognize all of the levels of water damage. They are:
- Category 1 damage, or “white water” damage (this is clean water)
- Category 2 damage, or “gray water” damage (this is clean water that sat for too long)
- Category 3 damage, or “black water” damage (this is contaminated water that must be quickly addressed)
Category 3 water typically arises from toilet overflow. As mentioned above, this water contains contaminants and can also cause structural damage to your building. Fortunately, professional help is available to clean and disinfect any affected surfaces.
Your best bet when facing black flood water will usually be to call a water damage restoration company. The trained technicians will typically be able to arrive on the scene quickly and will be able to assess any damage. After this assessment, the steps they will take to clean are as follows:
- Water removal
- Drying and reduction of humidity
- Cleanup and sanitation
- Restoration, where possible
The specialists may have suggestions or solutions for replacement when restoration is not an option. For some items, such as important business files, digitization or other less common methods may preserve what could not otherwise be salvaged.
No one wants to think that their company and property could be at risk from flood water. It is always best to face the seriousness of the situation so that you can put a plan in place and seek help to safely resume your business operations.
When Good Intentions Turn Sour: How To Prevent Mold in the Break Room Fridge
Mold loves old, leftover food. Keep your shared office refrigerator in Wichita, KS, clean and free of fridge mold by adhering to the above five simple
Every day, good-intentioned office workers in Wichita, KS, bring their leftovers to work, place their meals in the fridge and absentmindedly leave their lunches to languish for days, weeks, and even months. Unfortunately, mold loves old food, and these good-intentioned individuals have inadvertently created an atmosphere that is prime for mold growth. If you are battling fridge mold in your shared office space, here are five simple ways you can ensure that your lunchroom remains clean and mold-free.
1. Assign responsibility. Since office refrigerators inhabit common spaces, there is often no single person responsible for ensuring their cleanliness. If an individual manages the fridge, others will be inclined to pay attention to their behavior and remove old food.
2. Establish ground rules. Create agreed-upon guidelines regarding fridge use and place them prominently in the lunchroom. Asking that food be labeled or establishing limits on how long one can leave his or her lunch in the cooler are common policies in many offices today.
3. Consume meeting leftovers within 24 hours. Sharing leftover egg sandwiches from this morning’s board meeting is a great way to boost office morale, but these leftovers are also great incubators for fridge mold. Toss out any unclaimed food items within 24 hours.
4. Set up a cleaning schedule. Fridges should be cleaned out once per week. All old food items, with the exception of dressings, oils and other non-perishables, should be disposed of and shelves should be wiped down.
5. Disinfect quarterly. Fridges should be disinfected every three to four months, perhaps more if you notice any mold smell. Disinfecting a fridge does not require harsh chemicals and can be done with soap, warm water, and a sponge. Depending on the size, number, and extent of the job, some companies have decided to hire a professional to assist with this process.
Mold loves old, leftover food. Keep your shared office refrigerator in Wichita, KS, clean and free of fridge mold by adhering to the above five simple lunchroom guidelines. For more information, visit http://www.SERVPROnorthwestwichita.com/.
How To Remove Birds From Entryways
There are several ways to discourage birds from nesting in the entryways of buildings. Services specializing in bird cleaning and bird removal rely on several humane pest control methods. You can try several methods before contacting experts to get birds away from the entrance to a commercial building.
1. Suspend material to prevent nesting. Bird prevention and removal specialists suggest hanging clear monofilament sections suspended from a clear plastic plate with an adhesive back that can adhere to gables, entryways, and a variety of other building materials. This material, which is called "twine," discourages birds from nesting in awnings, canopies, eaves, or entryways.
2. Install sloped PVC panels on structural components. Install bird slopes on any 90-degree angle where birds are a problem. You may also order extenders that add up to 10 inches of protection from birds seeking to nest in an entryway or end-caps to help to prevent birds from getting behind panels.
3. Choose and rotate visual deterrents. Putting up predator eyes near an entryway can be one of the most effective bird cleaning solutions used by owners and tenants. The appearance of these eyes poses a sufficient threat to keep birds from nesting. It is important to switch up the location of predator eyes or other visual deterrents to prevent birds from becoming accustomed and beginning to disregard the presence of these indicators.
4. Call a bird removal service that specializes in humane removal. A service that relies on humane discouragement and removal methods to keep birds out of entryways may follow all of these steps and take additional measures.
If you are a property owner or tenant seeking bird cleaning in Wichita, KS, you should consider a commercial restoration company that can clean up after birds stop nesting. Plan to have all areas inhabited by birds cleaned and protected eliminate every trace of the issue. For more information, visit http://www.SERVPROnorthwestwichita.com/.
How To Create a Fire Escape Plan for Office Space in a High-Rise Building
A fire in a high-rise building can be a terrifying experience.
Fires are dangerous. Finding yourself trapped in a tall building on fire? Even more so. To reduce the likelihood of this happening, it is important for offices in a high-rise building to have a well-tested fire escape plan. Below are five steps to simplify the process.
1. Survey the Area
Request a blueprint of the floors the business occupies and walk them. Identify ways in and out of offices, offices suites, floors and the building itself. Pay special attention to areas that require key cards to get in or out. In the case of an emergency, these should open automatically. Ensure exit routes, doors and stairs are always clear.
2. Clearly Mark Emergency Exits
The path to an emergency exit should be easily identified even for first-time guests. Use large and legible signs that will remain visible even if the lights go out. Most tall buildings may have more than one emergency stairwell, so map out which side of the office should go to which stairwell. This prevents the likelihood of employees running to the one farther away.
4. Select Fire Wardens
Fire wardens are regular employees who have the additional responsibility of taking the lead during an emergency. In the case of a fire, they lead their assigned group to safety and should perform a headcount or roll call once gathered outside.
5. Test & Revise
For a fire escape plan to be considered well-tested, practice is often necessary. Perform drills at least twice per year. Do not allow a company culture of ignoring the fire alarm when it goes off. Sprinklers should also be tested to reduce the need for restoration due to fire damage. After an evacuation, fire wardens and other employees should provide feedback to better improve the emergency escape plan.
A fire in a high-rise building can be a terrifying experience. However, a good fire escape plan can be an excellent way to protect both people and property in Wichita, KS. For more information, visit http://www.SERVPROnorthwestwichita.com/.
Protecting Your Business From a Winter Water Disaster
Winters in Wichita, GA, present multiple concerns for many businesses. A significant worry is frozen pipes, which can burst and easily disrupt the productivity of an entire office. Preparing your building and protecting your business often requires a twofold plan: preventative measures and an informed outline for a prompt response.
Your ability to prevent pipes from freezing depends largely on the types of areas included in your building. Therefore, different measures should be taken for different areas and structures.
• Keep thermostats at or above 55° Fahrenheit, especially overnight.
• Open cabinets in heated areas to allow warm air to reach the walls.
• Leave faucets inside and outside the building running at a slight drip.
• Drain any hoses or tubes, particularly outside or in non-heated areas such as a garage or warehouse.
• Keep all entryways securely closed and insulated.
• Have your building, inside and outside, inspected for any holes or cracks that may let cold air in and have them repaired.
• For a garage or warehouse, consider adding a portable heating unit to keep the area above 55° Fahrenheit.
• Consider adding insulation to any non-heated areas for further protection from freezing.
Some preventative efforts do have a various range of fees, but they will almost always cost less than paying for professional repairs in the case of water damage.
Informed and Prompt Response
Most people understand that water expands when it freezes. However, you need to know what kind of damage you will have with frozen pipes in your building. In the most likely scenario, a broken pipe will result in clean water damage. This means you may require water removal and drying services specific to the size and layout of your building space. While you should research pricing and reviews of local companies for water line repair and water damage restoration, the most crucial knowledge you can have is the standards and guidelines for professional restoration of areas with water damage. Knowing these standards will allow you to ensure your business receives the best service so you can get back to work.
Prevention can be key to keeping your business open during winter. By following these guidelines and understanding standards, you can help prevent water damage from frozen pipes. For more information, visit http://www.SERVPROnorthwestwichita.com/.
Prevent Flooding Caused by Frozen Pipes
Frigid winter months can bring significant problems to commercial buildings in Wichita, KS from ice dams that cause roof leaks to burst pipes. As water freezes, it expands, putting pressure on its container. This container, whether plastic or metal, may not be able to hold it. When the container is a pipe, it may burst, causing standing water and damage to the surrounding area. However, there are steps that can be taken to minimize the risk of a burst pipe.
Why Pipes Burst
Although the most basic explanation for pipes freezing is cold weather, it’s not quite that simple. There are other contributing factors, which can include:
• They have inadequate or no insulation.
• They are in cold or exposed areas in or around the building.
• There is water sitting in the pipes instead of circulating through them.
When Pipes Freeze
Depending on the building and usage, frozen pipes may be a minor inconvenience or a catastrophic event. The consequences a burst pipe can include:
• No access to water or use of drainage pipes
• Irrevocable pipe damage, which requires that the pipes are repaired before they can be used
• Water damage that may be limited to drips or result in flooding areas of the building
How To Prevent Pipe Bursts
Taking some time during the warmer months can help prevent a frozen pipe during the winter season.
• Insulate exterior pipes and those located in unheated areas, such as basements or crawl spaces.
• Let water drip, allowing it to run and prevent pressure from building, which can cause a burst pipe.
• Check shutoff valves and levers, ensuring they are in good working condition.
• Keep heat and water on in areas of the building that are not in use.
If a water event does occur, water restoration professionals in Wichita, KS restore your premises to its former condition, “Like it never even happened.” allowing you get on with business as usual. Visit http://www.SERVPROnwwichita.com for more information on commercial storm damage.
The ABCs of Fire Escape Planning
Should your Wichita, AL home fall victim to a fire, the best response is a good emergency escape plan. Luckily fire safety is easy as long as you think smart, prepare in advance, and follow a few simple rules to ensure you stay cool no matter how high the flames reach.
A.) Always know where your exits are. The first and best course of action when you detect any fire in your home is to get out quickly before smoke and heat can overwhelm you. Make sure to plan an escape route from various locations in the house, and memorize where your safest, most convenient exits and alternatives are from all points.
B.) Be prepared in advance. There are many steps you can take to prepare before a fire ever occurs, not just for yourself, but also for children and pets. Ensure that your home is properly protected with smoke alarms, and test the batteries frequently. Periodically check your sprinklers and fire extinguishers for functionality. Keep all your important personal documents in a locking fireproof safe. Drill children on what to do in the event of a fire. Always have pet supplies such as leashes and carriers close at hand in strategic areas of the house so you can quickly escort your pets from burning areas.
C.) Call 911. In the event of a fire in your home, your safest option is to let trained professionals handle the blaze. The moment you have exited to safety, call 911 to request emergency and fire services to contain and douse the flames.
By following these steps and creating an effective fire escape plan, you can easily prevent further safety issues or damage in the event of a fire. While you may still have to deal with some home cleanup, you and your loved ones will be safe and grateful that you planned in advance.
Visit http://www.SERVPROnwwichita.com for more information on commercial fire damage.
Understanding Category 2 Water Damage
If you need water pipe repair, you might hear the cleanup crew talking about the category classification of your damage. That categorization is important, because it lets you know the level of risk involved in exposure to the water. When you are dealing with Category 2 water damage from a broken pipe, it’s important to understand what that means, so you can be safe around the flooded area.
Category 2 Water Criteria
Water that has come into a building is classified in this category if it meets the following criteria:
• The water is from a clean source like a supply line or broken pipe needing water pipe repair.
• Biological or chemical contamination makes the water likely to irritate human tissue.
• Health complications are unlikely to be serious beyond irritation and minor discomfort.
Typically, Category 2 water starts as Category 1 water and then becomes contaminated due to exposure to building materials, sources of biological contamination, and so forth. Over time, it is possible for Category 2 water to degrade further.
Understanding Category 2 Water Cleanup
Since there are health risks involved in cleaning up Category 2 water, it’s important to understand what to do after a broken pipe has caused water to mix with potentially harmful materials.
1. Turn off the water main. This is a vital first step.
2. Contact a damage restoration company in Wichita, KS with Category 2 cleanup certification.
3. Secure the area to prevent exposure.
4. Make sure water pipe repair is handled as quickly as possible.
Avoiding the flooded area is going to be important, especially if there are small children or people with health vulnerabilities to skin irritants and other problems that could be exacerbated by irritants. After certified cleanup professionals in Wichita, KS finish with the area, it will be safe to re-enter, but until that time, it’s important to keep the area clear.
Visit http://www.SERVPROnwwichita.com for more information on commercial water damage.