Business Interruption Insurance
Cleanup after storm
It can be tough to rebuild your business after a disaster when you don't have the right insurance. One insurance you must know about covers any income interruptions. Learn more about how this policy can protect your income after a disaster.
What Does It Cover?
If a disaster forces you to close your company in Crosby, TX, interruption insurance can cover your income while you rebuild. It also covers operating expenses, such as:
- Mortgage payments
- Loan payments
- Relocation costs
- Training costs
- Extra expenses
What Is the Restoration Period?
This period is the amount of time your policy will pay these expenses. In most cases, you need to wait two to three days after initial closure before your insurance will start paying you. Then, your policy will give you a restoration period, which is the time you have to rebuild and get your business open.
How Much Coverage Do You Need?
Every policy is going to have a limit. That's the maximum amount of money you can receive from one claim. Calculating your needs can be the most challenging part of picking a policy. The best thing to do is estimate your future income and expenses and pick the closest amount. Keep in mind that this money will be in addition to your property insurance's payout for hiring storm restoration professionals.
Are There Any Exclusions?
Sometimes, a closed business is not eligible for disbursements. This includes any time a business is forced to shut down due to natural disasters or communicable diseases. When your business closes for an eligible event, your policy will not cover any broken items, undocumented income, and utility bills.
Business interruption insurance can help you recover financially when disasters occur. This is a great option to help small businesses stay afloat during trying times. Although it covers most income and expenses, keep in mind that there will be some exclusions on your policy.
Can Mold Go Away Without Cleanup?
It would seem at first that if you had black mold in your Atascocita, TX, home but no longer see it, then it's gone. However, mold doesn't go away that easily. Though it's a living organism, it doesn't die off just because it's no longer actively growing.
Why Won't Mold Die Off?
To grow and thrive, mold needs three resources:
- Organic material for food
- Mild temperatures
When mold spores find a place in your attic, basement, bathroom or other areas with a moisture problem, they can grow on wood or other porous surfaces. You may see black mold growing, or you may smell a musty odor in the air.
Once one of the resources is removed, the mold goes into a dormant stage. Say, for example, you found mold damage in your basement but used a dehumidifier to remove excess moisture. If you didn't conduct mold cleanup, the mold is inactive but still present.
How Can I Remove Mold?
If you have a large amount of mold in your home or can't see it, it's best to call a professional mold remediation specialist to remove and clean up mold-damaged areas. If the space is less than 10 square feet, you can clean it yourself.
Before you can effectively begin mold cleanup, you need to find the source and remove the moisture problem. Once you've dried the area, you can start cleaning. Look for products designed to clean mold. Enzyme-based products are considered safe and effective at breaking up the mold's fungal biomass. Before buying a product, research it to ensure it is safe for your family and the surface you're cleaning. Wear gloves, goggles, and a mask when cleaning mold.
Mold can be tricky. If you have nonviable black mold in your Atascocita, TX, home, it can start growing at the first opportunity. Entirely removing all mold is the only way to get rid of it.
How To Restore Your Office After a Fire
Commercial fire damage in Houston, TX.
Steps For Bringing Your Workspace Back To Normal
For those who experience an uncontrolled office inferno in Houston, TX, the process by which fire damage should be fixed may not be readily apparent. Here are some precise steps for bringing your workspace back to normal.
1. Confirm Safety
Serious fires can cause structural devastation that makes buildings dangerous. Have a safety specialist examine your space and confirm that it is permissible to reenter before doing so.
2. Limit Damage
Large fires can take up to 20,000 gallons of water to control. Intense fire hose output can add water damage on top of the destruction caused directly by flames. One possibility is that mold or mildew begins to develop. Have a fungal removal service perform an assessment as soon as possible.
Fire damage isn't limited to locations where it directly appears. Wafting soot and smoke can be nearly as devastating. Have metal surfaces cleaned quickly or they may experience permanent discoloration.
3. Remove Debris
Before a commercial fire restoration service can begin structural fixes, your space needs to be cleared. Remove everything possible, taking special care to avoid touching electrical devices even after they have been unplugged. Organize items outside into piles based on salvageability.
4. Dry Everything
Standing water needs to be removed. Drying out your building can be particularly challenging, as fire hose water may seep into walls and floors. Use commercial dehumidifiers and air movers to help get the job done.
5. Deep Clean
Parts of your office may experience more damage than others. Window blinds, for instance, might be cleanable, or they could be irrecoverable. Carpeting can be professionally washed so that it looks and smells better, but the stench could be impossible to eliminate. Give deep cleaning a try before deciding something must be replaced.
Fire damage can be a chore to recover from, yet knowing how to tackle the task can make doing so far easier. Follow these guidelines when bouncing back from an unexpected blaze.
What Can You Keep After a Flood?
Flood cuts performed in a Timberlane Acres, TX building.
When flooding affects your company, the devastation impacts your walls, merchandise, and productivity. During this trying time, business owners may feel overwhelmed and lost at how to proceed. Before tossing in the towel and thinking you need to discard everything, call around looking for professional content cleaning. This process could offer you time as well as protect your investment. Here are three things to know about the practice.
The Dangers of Contaminated Water
When the flood hit your commercial property in Timberlane Acres, TX, it brought with it a host of microbes, none of which you want lingering. In fact, drying without proper cleaning methods, the materials become hazardous for you and others; therefore, a local water restoration company should be called in to evaluate the items. With the company’s expertise, you'll be able to sort out what you can and cannot keep.
The Items You Should Toss
During the content cleaning process, you'll consider whether something is porous or not. Anything able to absorb moisture has the ability to also take in bacteria and fungus spores. Porous items are more trying to preserve and pose more risk; thus, you should consider tossing anything in this category. This includes carpeting. It's better to be safe.
The Objects You Can Save
Now, black water can ruin a lot, but with the assistance of specialists, you can restore some of your major assets. Before everything goes to the trash, ask about efforts to preserve what you love or may find difficult to replace. Using high-tech equipment, photos, electronics, and documents can often be kept. In addition, non-porous items are much easier to care for, so various techniques can be used to dry, sanitize and fix them. It's not all lost.
Flooding poses many dangers that can create major losses. However, content cleaning could save you the hassle of losing it all. Ask about testing and procedures, minimizing your garbage load.
How To Get Rid of Stubborn Smoke Smells
Kitchen fire damage in a Kingwood, TX home.
Follow These Tips To Do It Right
Whether from a fire or from a bad cigarette habit, smoke cleaning can be difficult and frustrating. No matter how hard you scrub, the smell seems to linger in your Kingwood, TX, home and you feel as if your space will never be the same. Here are some steps that may help you get a good start on it before you reach out to a professional odor elimination specialist.
Determine the Source
There are a variety of reasons you may have a stubborn smoke odor in your home. Determining the source will help you decide the best route to get it cleared out. The smell may come from fire damage, years of indoor cigarette smoking, or even from outdoor wildfires near your home. The smell will leach into fabrics and any porous surface in your home, including furniture, clothing, dishes, floors and walls.
Neutralize With Vinegar
The strong smell of smoke damage can be neutralized with vinegar. Begin by placing several small bowls around the area where the odor is strongest. These will begin to absorb the noxious fumes and reduce the smell. You can also boil some vinegar on the stove to speed up the process, allowing it to simmer for an hour or two.
Clean, Clean, Clean
Smoke cleaning will also require you to remove and thoroughly scrub anything that was within the damaged area. All clothing, furniture cushions, or other fabric items should be washed. You'll also need to clean wall hangings and hard surfaces. Sprinkle baking soda on carpets and allow it to sit for a while before vacuuming up.
The most stubborn smells may require an ammonia treatment to fully destroy them. You can add some to the laundry when washing clothing, bedding and other fabrics. The stronger smell will be more unpleasant than vinegar, but you can also place bowls of ammonia throughout the home to absorb smoke smells.
Smoke cleaning takes a lot of work, but the time invested is worth it if you can eliminate the smell.
What To Look for in a Commercial Generator
How To Choose The Right Generator
If you're a business owner in Humble, TX, in the market for a new commercial generator, you may wonder what to look for and how to know if you've chosen the best one for your particular situation. There are several factors you need to consider to make your decision, but it also helps to have a basic understanding of the machine itself.
Most commercial generators run on natural gas or diesel.
The generator is made up of an engine, radiator, and alternator.
The engine creates mechanical power that is then forced through a circuit, cooled and converted to an alternating current.
Depending on the frequency of use, a commercial generator can last up to 20 years.
What's the Right Size for You? Commercial generators come in single-phase or three-phase models, and you'll need to know which type to buy according to what you want to power in the event of an outage. Most small businesses can get away with only a single-phase generator if they only need to power basic electronics, lights, and HVAC. If your business uses machinery or large equipment, you will most likely need a three-phase.
How Will You Power It? Natural gas and diesel are the most common fuel sources, but propane and bi-fuel are also options. Natural gas is the obvious choice if your business is already connected to a gas line, but if you're in a remote location, diesel is the recommended option.
How Much Can You Afford?
While a small commercial generator can cost as little as $10,000, larger ones can be quite a bit more expensive. Assess how much you can do without in the event of a storm or natural disaster. What financial risks and implications will an interruption of service have on your business? It's also important to consider any maintenance or repair costs you may incur over the years, especially if you run into any generator problems.
Arming yourself with knowledge and asking the right questions will help you make the best possible decision on the right generator for your business. For advice on how to prepare for power outages and protect your business from damage and loss from storms, contact your local storm damage specialist.
Tips for Handling Sewer Overflow
Plumber snaking a clogged toilet.
Tips for Handling Sewer Overflow
When you step into your shower, you expect the water to flow down the drain and be carried away from your home. When you step out of the shower, however, you discover that your toilet has overflowed. Sewage cleaning experts recommend a few tips you can try to remedy the problem yourself, but if these simple solutions don't work, it's best to call the professionals before the problem gets out of hand.
Clear the Clog
If shower drainage causes a toilet overflow, it is likely that you have a clogged sewer pipe. There are several places you can use an auger to get rid of the clog:
- Through opening in the bowl of the toilet
- Through the drain under the toilet base
- Through the drain cleanout
It is likely that one of these actions will clear the clog that is causing a backup between the shower and the toilet. If you exhaust these options and the problem persists, however, you need to call a plumber.
Call the Professionals
When snaking a clogged pipe does not release the blockage, a plumber must be notified to prevent further damage to your home. While you are waiting for the problem to be fixed, you also probably need professional sewage cleaning to take care of the water damage the overflow left in its wake. Don't just assume that mopping up the floor around the toilet will take care of the issue. There may be additional damage under the tiles or along the base of the wall that you can't see. Quick remediation is crucial to prevent secondary damage that compromises the structural integrity of your home.
A clogged sewer pipe can cause an overflow in a fixture you're not presently using. While small clogs may be able to be remedied with basic maintenance tools, professional plumbing and sewage cleaning services ensure that the job is done thoroughly and correctly.
The Secret To Speedy Disaster Response
SERVPRO of Kingwood/Humble is faster to any size disaster.
The disaster response capabilities of a national company with a network of over 1,700 franchises surpass those of any independent restoration company. Independent firms lack the personnel and equipment necessary to respond to large losses in Harmaston, TX. Property owners and insurers can benefit from the resources of a restoration company that is Faster to Any Size Disaster.
Contact Skilled Professionals Located Nearby
It is important to act quickly after a disaster, but hiring the wrong firm can set back restoration efforts from the start. A property owner who plans to make an insurance claim should hire a service that has the following credentials:
- Institute of Inspection, Cleaning and
- Restoration Certification
- Preferred Vendor status
- Response rates under 24 hours
A restoration company connected to many other franchises across North America offers the best experts and equipment. Insurers are also more likely to cover claims based on estimates from a trusted service.
Depend On Restoration Network Resources
In the event of a large-scale loss that affects many properties, it is imperative to rely on a service that is Faster to Any Size Disaster. Independent companies may not have sufficient trained employees or specialized equipment to deal with time-sensitive damage affecting many locations.
Rely On a Single Service From Start To Finish
Hiring separate independent services to mitigate, clean and restore damage is another mistake some property owners make. These services lack the clear lines of communication that are present in a franchise that provides all of these services and has the ability to rely on other franchises that are located in the same region.
When a property owner realizes all of the advantages a large company offers to a franchise located in Harmaston, TX, it makes sense to rely on a service that is Faster to Any Size Disaster. This corporate structure empowers franchises to provide service that meets industry-leading standards.
3 Actions To Take After a House Fire
The aftermath of a fire in your Kingwood, TX, home is often difficult to face.
Fire Restoration Process
After a fire sweeps through your Kingwood, TX, home, the cleanup process can seem insurmountable. With belongings to salvage and sort, damage to catalog and smoke and soot to clean up, you may not know where to begin. However, there are a few steps you can take to begin the fire restoration process, and they may give you peace of mind as you attempt to recover from ablaze.
1. Contact Your Insurance Company
Once the fire is completely extinguished and you are certain everyone is safe, put in a call to your insurance company as soon as possible. Filing a claim with your fire insurance agent within 24 hours of the incident might help him or her process it with more efficiency. This could mean a quicker payout to help cover the cost of repairs and smoke cleaning.
2. Avoid Disturbing Affected Rooms
While you may want to enter fire-damaged rooms to retrieve certain items, doing so isn’t always safe and could compromise any type of inspection your insurance adjuster performs. If possible, tape off any affected areas and do not let any family members enter. You’ll likely be anxious to start the fire restoration process; however, waiting for insurance and cleanup professionals to arrive first may help the process go more smoothly.
3. Call in Fire Cleanup Experts
The mess left behind after a fire is sometimes considerable, so calling in a company that specializes in smoke cleaning and restoration can be an effective step in recovery. Cleanup technicians who are trained in this area can bring in air scrubbing and fogging machines to remove soot and smoke from your carpeting, walls and ceiling. They may also be able to advise you about photo and document recovery and restoration as well.
The aftermath of a fire in your Kingwood, TX, home is often difficult to face. However, knowing which steps to take right away can streamline the fire restoration process and allow you to recover quickly.
How To Stop a Continuously Flushing Toilet
You can stop a toilet that is continuously flushing.
If your toilets are continuously flushing, there may be a problem with the flushometer. The flushometer is the mechanism that flushes the toilet. If the flushing is not stopped, there may be toilet overflow that could result in damages. Here's how to stop a toilet from flushing continuously.
Take the First Steps
If your toilets won't stop flushing, there are a series of steps you can try:
- Turn off the water
- Remove the cover
- Clean the gasket
- Reinstall the gasket
- Replace the gasket if flushing continues
Once the problem is fixed, you should call a water damage restoration service in Timberlane Acres, TX, to clean up any toilet overflow and prevent mold growth.
Access the Gasket
To access the gasket, you should first turn off the water so that you do not have a toilet flood. You will then need to remove the cover on the flushometer. You will first need to unscrew the cover on the side of the flushometer and then use a wrench to remove the lid on top. This will expose the gasket, allowing you to remove and clean it.
Clean the Gasket
The gaskets in flushometers can become covered with sediment due to their constant exposure to water. You should wash the gasket, carefully removing as much sediment as possible. This includes using a small instrument, such as a needle, to clean out the weep hole. Doing this will improve the vacuum created by the gasket and hopefully stop the continuous flushing.
Reinstall and Test
After cleaning the gasket, you should put it back in its place and reattach the cover. You will then need to turn the water back on and flush the toilet. If the flushing still will not stop, you may have to replace the gasket or call a plumber.
You can stop a toilet that is continuously flushing by accessing the gasket, cleaning the gasket and then reinstalling and testing the gasket. If cleaning or replacing the gasket does not work, you may need professional assistance to prevent toilet overflow.