3 Reasons to Get Commercial Flood Insurance
Purchasing flood insurance is an easy way to protect your business in an emergency
Protect Your Business In An Emergency
If you have a business in Santa Fe Springs, CA, then you likely have some kind of insurance to protect the building in case of an emergency. However, you may also be in need of additional flood insurance. There are several reasons, including the following, why this might be the case.
1. Your Basic Insurance May Not Cover Floods
Unfortunately, even if you already have commercial insurance, it might not cover all types of damage. Because flooding often results in extensive damage, the cost to make repairs to your building can be higher than it might be otherwise. As a result, many insurance companies do not include it in their basic policies. If you want this kind of coverage, you will need to pay additional fees.
2. It Might Be a Requirement
In some cases, whether or not you purchase flood insurance is not your decision to make. If you live in an area where the risk of flooding is high, you might be required to have this additional coverage. This will often be the case if you have mortgaged your property from a federally insured lender. Because of this, it is important that you determine whether you live in an area with an increased risk of floods.
3. A Flood Can Have a Financial Impact On Your Business
If your building is affected by a storm, basic commercial insurance can cover many of the damages, but without additional coverage for floods, you will need to pay for those repairs on your own. Unfortunately, this can become quite pricey. Having the right kind of coverage will help keep your business from having to make out-of-pocket payments.
Even if it is not required, purchasing flood insurance is an easy way to protect your business in an emergency. It may seem like an unnecessary expense, but flooding can happen even in areas where it is less common. This type of policy can cover the costs of a cleanup and restoration company if your building is in need of repairs.
Understanding the Particulars of Smoke Cleanup After a Fire
Fire restoration in Sante Fe Springs, CA
When your commercial property has been through a fire, you can expect damage from the flames, as well as that of heat and water used for extinguishment. If your property in Santa Fe Springs, CA catches on fire, you’ll also have to deal with the resultant damage from smoke and soot. Smoke damage not only includes the visible effects of soot, but also lingering odors and particles in the air as well. A provider of fire restoration services is best equipped to thoroughly and safely repair all post-fire damage and reduce the time it takes to return to preloss conditions.
What Does Smoke Cleanup Involve?
The smoke cleanup process involves a number of steps to address both the visible and invisible effects of smoke and soot damage:
Ventilation: Opening of doors and windows as well as use of fans and other equipment to boost airflow to ventilate the property
Protection: Sealing off unaffected areas to block and restrict further smoke damage and removal of clean items
Removal of Loose Particles: Vacuuming gently to safely remove loose particles
Dry Cleaning: Using chemical sponges to lift off soot and stains
Wet Cleaning: Wiping down surfaces using liquid cleaners
Deep Cleaning: Employing various cleaning methods to get rid of odors in upholstery and fabrics
Fire restoration companies specialize in smoke cleaning, especially on objects that require special care such as electronics, documents and valuable items. They understand the best way to preserve damaged items which can save you money and/or lower your claim for covered losses.
What Else Should I Consider?
The restoration process may be extended following a major fire. As a result of fire, water or smoke damage, your property may require major reconstruction and repairs to the building structure. Fire restoration providers are experts in taking care of all work needed to return to preloss conditions. They can even work out the logistics of temporarily moving out contents to expedite the restoration process as well.
What's a Flood Cut?
A flood cut ensures your home is free of water-borne health hazards
If you've ever experienced the emotional strain and property damage of flooding in your home, you may be familiar with the term "flood cut." It's a process used by water remediation professionals in Santa Fe Springs, CA, to salvage your home's drywall, reduce restoration costs and safeguard your residence from the health risks that come from water damage.
In making a flood cut, technicians remove and replace only the lower, flood-damaged section of an affected wall. The cut is made one-to-three feet from the floor—the common rise level of floodwater. Once the cut is made, technicians tear out the damaged portion and substitute new drywall and clean insulation. Some good-to-know information:
When Are Flood Cuts Needed?
Not every house that's sustained flooding needs a flood cut. Here are the primary reasons.
Damage comes from outside water, such as hurricanes or overflowing rivers.
Water soaks a room's building materials. The drywall, for example, feels soft or yielding to the touch.
Water levels are deceiving. Because water wicks upward, if damage appears only inches high, it probably reaches several feet high behind the drywall.
Drywall and insulation can't be "dried out" and reused. They must be removed quickly for structural safety and health protection.
Why Are Flood Cuts Important?
Remediation professionals strive to clean and restore property with a high concern for post-flood safety. A flood cut ensures your home is free of water-borne health hazards.
By their nature, floodwaters contain waste and sewage contamination.
Contaminated water harbors bacteria, viruses and other potentially harmful, even lethal, microorganisms.
Mold—especially black mold—may cause health effects, and can grow within days in homes that have been flooded.
Flooding from outside water—and not necessarily from an interior broken pipe or malfunctioning dishwasher—is the most likely reason for a flood cut. It's a proven, reliable and cost-effective way to safely restore and protect your home.
How To Keep Your Office's Sprinkler System Operating Properly
Fire sprinkler system in Pico Rivera, CA
Fire sprinklers are a mandatory feature of any building’s infrastructure. In the event of a blaze, the life they save could be yours. The worry is that they fail to operate correctly, either staying dry when flames must be doused or turning on randomly and wetting everything. The following explains what can be done to assure yours remains in top condition.
What Sets off Sprinklers
Without periodic sprinkler maintenance, accidental indoor showers become a real possibility. Some triggering causes are:
- Mechanical damage
Whatever the reason for an unwanted shower, the emission that spews forth can create mold within drywall, warp wood flooring, ruin carpeting and transform electronic equipment into shock hazards. If you experience this situation, contain the fallout by contacting a water damage restoration specialist and requesting a quick arrival at your location in Pico Rivera, CA.
How To Maintain Sprinklers
What measures can be taken to assure your sprinkler system is not prone to malfunction? Start by double-checking that all control valves are consistently open. This is essential, as emergency water cannot be distributed otherwise.
Further sprinkler maintenance requires heads to be cleared of dirt and grime. Pay particular attention to those residing in kitchens, as grease accumulation happens within cooking areas. A non-corrosive degreaser will help get this job done. While at ceiling level, adjust anything with the potential to block a spray’s arc. When painting ceilings, never coat over sprinkler heads.
Be certain you possess adequate water pressure. A good test is to observe the performance of your office’s other plumbing features. If your faucets deliver a healthy stream, your sprinkler’s flow is most likely in acceptable condition. Regardless, safety protocol recommends checking your system bi-annually. Employ a fire maintenance professional to receive periodic stamps of approval.
Consistent sprinkler maintenance is critical for safety and avoiding watery disruptions. Prevent inadvertent gushers from causing havoc by regularly examining your fire sprinklers.
How to Safely Clean Mold from a Painting
How To Eliminate Mold From A Painting
Many artists know very well that accidents can happen at any time, such as a careless brush stroke or knocked over paint palate. Unfortunately, some accidents are larger than others. An unexpected flood in your studio can force you to partake in some very necessary mold cleaning. Follow the steps below if your house in Pico Rivera, CA, has recently experienced a flood that resulted in some moldy paintings.
1. Dry Any Remaining Moisture.
It's natural to want to remove the mold as quickly as possible. The best way to protect the painting is to prevent the mold from spreading any more than it already has. Do this by setting the painting out in direct sunlight to dry for a few hours.
2. Carefully Brush Away Dried Mold.
You must be very careful during this step to avoid brushing off the paint itself. Use a soft-bristled brush, such as a sawdust brush to carefully sweep away the dried bits of mold.
3. Create a Cleaning Solution.
Fill a spray bottle with clean water and add a few drops of bleach. It doesn't take a lot of bleach to erase the mold damage. Mist the painting where the mold was located on both sides of the canvas. It's important to note that this cleaning solution should only be used on canvas oil paintings. Acrylic and watercolor paints are water soluble, and using this type of cleaning solution is likely to wash away the painting.
4. Dry the Painting Again.
Hang the painting on a rack to allow the mold cleaning solution to dry completely. You can place the canvas back into direct sunlight if you wish to speed up this process.
Mold cleaning is typically a tough job that you would tackle aggressively. However, this is not the case when you wish to preserve your precious paintings. The above technique should help you eliminate any mold growing on your canvas oil paintings without damaging the artwork itself. Remember to contact mold remediation experts for assistance with any unwanted mold growth.
3 Ways Water Affects Building Materials
Problems such as swelling wood can be avoided if the water is cleaned up quickly
Areas That Could Be Affected By Water
When a flood affects your Santa Fe Springs, CA, home you may want to consider contacting a local water damage restoration service to help with clean up before problems such as swelling wood occur. Water can cause damage to a number of areas of the home if left unattended. Here’s how it may affect some common home building materials.
In many cases, the areas of plumbing that may be in need of a water pipe repair are located in the walls of your home. This means that the drywall surrounding the area may be at risk for water damage. When wet drywall has a tendency to get heavy which can stress it’s fastenings. This can lead to cracking and crumbling of the material
Another problem water can cause in your home is swelling wood. Wood is a porous material meaning if unsealed it has the potential to absorb water. Wet wood is highly pliable. Then means that if damp enough it can begin to warp as well. It can then push itself out of place. Depending on the wood’s role in your home it can lead to problems with uneven flooring, or even weakened structural integrity.
After a supply line breaks the flooding may also pose a risk to any tile, brick, or other stonework your house may contain. Water can seep down into tiny cracks where it then has the potential to freeze. Water expands when frozen and this can put stress on the stone which may then begins to crack. The results of continued problems of this nature may weaken the stonework in your home.
Problems such as crumbling drywall, swelling wood, and cracking stonework can be avoided if the water is cleaned up quickly. Fortunately, a restoration service can help with the cleanup process. They should also be able to conduct repairs and restore your home to pre-flood conditions.
Two Simple Space Heater Tips to Keep You Warm and Safe
Space heaters are considered an economical
Every year in the United States, a whopping 25,000 home fires and 300 fatalities are attributed to a burned space heater. As many as 6,000 get burned seriously enough to go to the hospital for treatment.
Space heaters are considered an economical means to spot heat a home in Santa Fe Springs, CA, but when used incorrectly, the results are terrifying. If you plan on using one, here are a couple of simple facts you should know to stay safe and cozy.
Space Is the Key
An actual burned space heater is fairly unusual. What most typically happens is that it catches something else around it on fire. The three biggest culprits are
- Blankets and bedding
- Combustible furniture, especially upholstery
Having adequate space around the heater is absolutely critical to safety. Even the safety devices installed in newer ones will do nothing if it lights a curtain on fire. A bare minimum of 3 feet must be clear around the heater. If the heat is aimed in a direction, it should be clear for at least 5 feet.
Safety Features Are Great but Not Always Reliable
Many space heaters include several safety features to reduce the risks. Any space heater you buy should be certified by either Underwriter’s Laboratories or a similar facility. Look for the UL symbol on the box.
They should always include an automatic shutoff when the unit is tipped over. You should check this sensor at least once a month by tipping the unit and ensuring it cuts off fully. If the cord is damaged in any way, either throw it away or have it repaired by a qualified electrician.
Some space heaters include GFCI protection. Never use a space heater around water that isn’t certified GFCI – and test it before you do.
Smoke damage from a burned space heater or items that it caught on fire can be a big deal. It gets everywhere and is incredibly stubborn to remove. Typically, smoke cleanup is best left to a professional restoration company used to dealing with major fire damage. The best smoke absorption solvents are generally restricted to licensed fire cleanup companies.
Should You Test Visible Mold?
Mold testing in Pico Rivera, CA
If mold is visible to the untrained eye at a building in Pico Rivera, CA, the property owner or manager may debate whether to call in an indoor environmental specialist prior to cleanup. While it is helpful to know more about the type of mold that is present, such as whether a species is toxigenic, the presence of practically any type of mold calls for remediation. Here are a few guidelines for determining when to contact a specialist.
Determine the Severity of an Infestation
Just because some mold is visible does not mean you see the entirety of the problem. Having a property inspected can provide a more informed sense of the extent of a mold infestation. Several factors may require the use of full containment measures:
- A building with occupied areas
- Mold contamination covering more than 100 square feet
- Toxigenic mold species
Full containment requires double layers of polyethylene sheathing and an airlock or decontamination chamber. Testing by an indoor environmental specialist provides a clearer picture of the entirety of a mold problem early in this process.
Plan for Cleanup and Remediation
If the owner or manager of a commercial building pursues mold cleanup without advance testing, it is still necessary to inspect the property to identify the extent of an infestation. Restoration professionals can use thermal imaging technology and low-impact methods to check for mold without disturbing spores and spreading an infestation.
Do Post-Remediation Testing
Most experts recommend another mold test after remediation is complete. Clearance testing or a verification survey should indicate reduced spore levels and an absence of the microbial volatile organic compounds released during active mold growth.
An indoor environmental specialist has the equipment and training necessary to gather samples for lab identification. When it comes to scheduling testing, consult with a mold cleanup specialist about the situation at a commercial property located in Pico Rivera, CA.
4 Steps To Take After the Fire Sprinklers Accidentally Discharge
An accidentiall discharge from a fire sprinkler may cause disastrous flooding
Steps To Take When Sprinklers Accidentally Discharge
As a Santa Fe Springs, CA, business owner, you have a lot of projects and assignments on your plate. While the main goal is creating a successful business, you’re also responsible for overseeing the safety of your employees. Anything that you can do to prevent harm or injury is supremely important. Fire sprinklers are essential to employee safety, but accidental discharge can cause disastrous flooding. If you haven’t thought about what to do if the sprinklers accidentally discharge, here are four steps to take.
1. Turn Off Water
The sprinklers are made to go off when there is a buildup of heat. Unfortunately, there may be times when a person acts carelessly or intentionally and makes the sprinklers discharge. Fire sprinklers can spew anywhere from 8 to 24 gallons a minute, causing major damage. The first step to take after an accidental discharge is to shut off the water as quickly as possible.
2. Call Restoration Company
Once you’ve turned off the water, it’s time to call a certified restoration company. No matter how much water was dumped in your building, restoration experts are trained to handle any size of disaster. The restoration process includes inspection, water extraction, drying, cleaning and restoration.
3. Call Insurance
It’s important to contact your insurance company if the sprinklers discharge and cause flooding in your building. Whether the discharge was accidental or an act of vandalism, you should work with your insurance carrier to determine what is and is not covered.
4. Mitigation Techniques
The restoration company will work quickly to remove standing water and prevent water damage. Water restoration technicians have the training and tools to extract the water, dry the area and clean and sanitize belongings.
Fire sprinklers are an essential part of any commercial building to protect employees and belongings. Unfortunately, accidents or vandalism may unintentionally set off the sprinklers. If your sprinklers go off accidentally, turn off the water to prevent major flooding and follow the next steps to minimize damage.
What Kind of Damage Can Hail Cause?
Roof damaged by hail
Hail forms when water drops freeze and clump together in the cold areas of thunderstorm clouds. It causes billions of dollars in roof damage, broken siding and cracked windows every year.
How Large Does Hail Have To Be?
So, how big does a hailstone need to be to damage your building?
1 inch (the size of a quarter) won’t cause much damage to your roof, but it might flatten some plants.
1.25 inches (a half-dollar) may cause minor roof damage and scratched siding.
1.5 inches (a walnut) can crack shingles and make indents in wood.
1.75 inches (a golf ball) can dent a car, gouge exterior paint and crack plastic roof vents.
2.5 inches (a tennis ball) can break windows and mangle crops.
What Can Hail Do to a Roof?
After a hailstorm, inspect your building’s roof and gutters. Look for cracked or missing shingles. Hail and wind can knock off a shingle’s granules (the sandpaper-looking texture), leading to shingles that wear out quicker than usual. It’s normal for some granules to come off with normal wear. However, lots of them in your gutters indicates a bigger problem.
There also might be issues with the fiberglass mat or base under the shingles. If it’s exposed or fractured, the shingles can break off easier in the future.
Hail can dent gutters, downspouts and flashing, which could lead to water leaks. You can buy impact-rated skylights that can withstand strong winds and hail.
Hail damage varies depending on the size of the stones, wind strength and roofing materials. Cosmetic issues can grow into larger problems if left untended. If you find significant water contamination, mold growth or wet insulation, call a storm restoration company in Pico Rivera, CA to repair the affected area.
The bigger the hail, the greater the roof damage. Have a licensed roofer inspect your building after a storm to ensure you don’t have any cracks or leaks that could affect your business.