Tips for Partial Loss After a Commercial Fire
Devastatingly, your business in Topeka, KS, catches on fire. You are ecstatic to find out that the building is not a total loss. In a partial fire loss, fire and smoke damage do not completely destroy the property. When this occurs, what are your responsibilities as the owner? What happens next?
Business Owner Responsibilities
After a partial loss transpires, know what to do. Consider the following tips:
- File a claim with your commercial insurance agent as soon as possible after the fire loss. Photograph and document all water, fire and smoke damage before the insurance adjustor assesses the loss.
- Insurance companies typically cover costs to achieve a consistent, uniform look. This means that partially damaged materials, such as roofing or siding, must be matched to the non-damaged areas or replaced entirely.
- Advocate for yourself and your business if the insurance adjustor does not consider your partial loss case a priority.
- Contact a professional fire restoration specialist immediately. A delay in beginning the cleanup process risks secondary damage. Water damage from firefighting efforts can spread and lead to mold growth in as little as two days.
Fire Restoration Steps
Once you have done your part, the cleanup and restoration process begins. Know what to expect next:
- The fire restoration company typically arrives within hours to properly and thoroughly assess the damage. A detailed inspection commonly includes all building structures and systems. This consists of evaluating the siding, roofing, foundation, walls and windows. Plumbing and electrical systems are checked as well. Drywall may require removal to investigate water damage in the walls and insulation.
- Your building may be boarded up or tarped to increase security and prevent further damage from the weather.
- If present, excess water is drained with vacuums and pumps. Professional grade equipment cleans smoke and soot from structures, contents and the air.
Even though your commercial property only suffered a partial fire loss in Topeka, KS, you must still act quickly. Immediately contact your insurance agent and a restoration specialist to return your business to pre-fire condition.