Recent Commercial Posts
Does My Commercial Property Insurance Cover Mold Damage?
Mold growth in Oxford Township, NJ
Any responsible business owner understands the importance of purchasing commercial insurance. Of course, you hope to never need to make a claim, but you're relieved you've got the coverage if you need it. Your policy will cover damage to your building due to vandalism and theft and from some types of weather issues. Mold is another problem that people in Oxford Township, NJ, find in the office. You should understand whether your insurance will pay to clean up this unwanted invader. In many cases, your plan should help cover the costs.
How Mold Grows and Spreads
Finding mold in the office can be unnerving and embarrassing. If you take the right steps, you can keep this fungus from developing in the building. Mold spores are actively in the air, but the bacteria will start to grow under the right conditions. Mold loves the following:
- Standing water
- Areas where there are slow leaks such as under sinks and in walls
- Areas where there is high humidity such as in basements and attics as well as in laundry rooms and bathrooms
When Your Policy Will Cover Mold
If you discover mold damage occurred in your building due to a sudden, unexpected incident, you should have coverage. For example, if a water pipe burst, pouring water onto the floor, your insurance policy should accept your claim. Also, if an appliance such as a refrigerator or water heater is defective and leaks water over floors or walls, you should have coverage.
When it's Not Covered
Commercial insurance will not pay on a mold claim if the damage occurs because of your neglect. If you fail to properly maintain systems, parts and components, you will be responsible to pay for the cleanup, repair and replacements. You could consider purchasing supplemental mold insurance to help take care of the costs.
It's crucial to understand your commercial insurance policy. Before you call a professional mold cleanup team to take care of the issue, talk to your insurance agent about how to file a claim.
Ensure a Clean Environment After a Strom
Cleaning after storm damage in Washington Township, NJ
When a storm hits Washington Township, NJ, some businesses may be luckier than others. If there is any type of flooding, letting employees return to work will depend on the type of water damage. Working with a water damage expert can help make the flood cleanup process easier, especially if the flooding includes black water.
The Differences Between Water
Determining how soon things can get back to normal depends on the extent of the damage and the type of water that has invaded a business.
Category 1 – If flood damage is directly from a pipe or faucet, it is considered sanitary since it has likely not come into contact with potentially harmful contaminants. Employees will be able to return to work after affected areas have been thoroughly dried and sanitized.
Category 2 – This is considered dirty water because it has chemicals such as from a dishwasher or washing machine. Some precautions are necessary for safe cleanup, but returning to work will likely not take too long.
Category 3 – Also referred to as black water, cleanup for this kind of damage requires many more safety precautions before, during and after. This kind of water often includes sewage due to rising floodwaters. It can also can debris, chemicals and other containments.
Count on the Experts
Although there may be anxiety about getting business back on track, Category 3 damage is more time-consuming to clean up. No one should enter the building until affected and nearby areas have been completely cleaned. Along with drying everything out, special equipment is needed to ensure proper cleanup to avoid the growth of mold and bacteria. Depending on the damage, extensive repairs and replacements may be required, such as drywall and carpeting. Air filtration can be used during repairs to allow employees back to work.
While dealing with flooding and black water can mean a temporary shutdown, taking the time to clean it properly will ensure a safe environment.
Do Fire Sprinklers Need Maintenance?
Fire sprinklers don't get used all that often, but they still need attention
Add Fire Sprinkler Maintenance To Your Established Routine
Fire sprinkler maintenance in Mount Hermon, NJ, often gets overlooked because it is easy to forget they are there. However, it is necessary to keep them in working order because once they are a crucial safety mechanism.
Fire sprinklers don't get used all that often, but they still need attention. Over time, a coating of grime can form on your sprinkler heads, especially if they are in your kitchen areas. Some actions to take:
- Regularly clean them so that the water is unimpeded- be sure to use a non-corrosive degreasing solution.
- Check on your furniture and equipment distribution every so often to be sure that nothing that comes close to the ceiling is placed beneath a sprinkler.
- Be sure never to paint over a sprinkler.
Proper sprinkler maintenance includes a quarterly water pressure check. This aspect is crucial should a fire occur, to make sure there is enough water to put it out. The most common culprit of decreased water pressure is a turned valve. If the water pressure in the rest of your building is good, your sprinklers are probably okay, too. If your pressure is too high, you may discover water damage, and should call a water remediation company to take care of it.
You or your staff should check on non-electric control valves weekly, to make sure that they are all open. Otherwise your sprinklers won't be able to spray any water. A full inspection only needs to be carried out annually. This will look more closely at the status of the pipes, seeking out leaks and corrosion. It will also make sure that your system is calibrated and responds appropriately. Fire service professionals and firefighters are trained to perform these types of inspections.
It isn't hard to add basic sprinkler maintenance to your established routine. Do your best to make sure your building is prepared in case of a fire and give your sprinklers some love.
How Interruption Insurance Can Help Your Business Recover From a Fire
Business income insurance covers lost revenue and certain expenses due to business interruption
After a fire at your Washington Township, NJ, business, your income may be slow or even completely stop for a while as you try to get your facility back to normal. Interruption insurance can help your business stay afloat during this tough time.
What Is Business Income Coverage?
Business income insurance covers lost revenue and certain expenses due to business interruption. What is and is not covered depends on the insurance company and the policy, but may include the following:
- Lost income
- Monthly bills
- Temporary relocation expenses
Because coverage varies among companies, it is important to familiarize yourself with the details of your policy before you are the victim of a fire. Additionally, your insurance company will need records of your income and expenses to determine how much they will pay out. It is important to store these records in a secure location so that they are available when you need them.
How Much Coverage Do I Need?
The amount of interruption insurance coverage that you should purchase depends not only on your typical income and expenses, but also a few factors you might not have considered. For example, how much would it cost to rent a comparable commercial space in your area? If you own the building you work out of, rent costs may surprise you. Do you have a lot of physical merchandise? Replacing stock can take a while; however, fully digital companies may be able to restore their “merchandise” more quickly if it is backed up. How susceptible is your property to fire? A well-maintained sprinkler system will likely extinguish small fires before they completely gut a building. All of these variables affect how much coverage your business will need.
Even though interruption insurance can help you remain financially stable during the fire restoration process, you will still want to get your business back to normal as quickly as possible. A reliable restoration company will make sure the job is done quickly and correctly.
Preventing the Damage Water Can Do During Building Construction
Checking old water heaters can also prevent a flooded project after a long weekend
Three Ways to Prevent Water Damage During a Construction Project
As a contractor or building manager in Oxford Township,NJ, you may be involved in a wide assortment of building projects from redesigning a portion of a commercial building to creating an addition on an existing structure. You have also probably experienced water disasters during a project such as torrential rains or a broken pipe flood. Although some water pipe repair projects can be easy to fix, the water damage they leave in their wake can be very costly. Here are three ways to prevent water damage during a construction project.
Identify Possible Issues
If you are upgrading a building, possibly weak plumbing may be an identifiable issue. Checking old water heaters, sewer connections, and water sprinkler lines can also help prevent a flooded project after a long weekend. Recognizing possible issues can allow you to fix the pipe before it becomes a problem.
Inspect Areas Frequently
A simple nail through an area filled with water pipes can cause an immense amount of damage if not caught quickly. For that reason, setting up frequent inspections of areas that could provide potential water problems is important. Making a water pipe repair before the tubing bursts can save time and money on the job.
Incorporate Testing Programs
As different stages of building are completed, incorporating testing programs for areas including water pipes and sewer connections can ensure there are no leaks that may cause future water problems. Checking and securing connections on older piping during testing can also prevent issues in that part of the building.
If your company has taken the above three precautions in preventing water damage on your construction site, you have done all you can to avoid a water pipe repair problem. There are unforeseen circumstances, however, such as freezing weather conditions or a shifting building that can damage water pipes. When that occurs, call in an emergency water remediation team to control the water and get your company back to work.
How To Salvage Water-Damaged Electronics
Call SERVPRO of Warren County today!
If your business in Hackettstown, NJ, suffered water damage in a storm or flood, there’s a good chance your technology wasn’t spared. To ensure your safety, you should always hire a professional to repair flooded electronics, but there are a few measures you can take ahead of time to maximize the likelihood of recovering your devices. Remember, you should never attempt to plug in or use electronics that have been exposed to water.
Types of Water Damage
Understanding what kind of damage has affected your devices will help you determine how to prepare them for repair while you wait for a restoration professional. There are three main categories.
• High Humidity
• Rain or Splash
If your flooded electronics are still plugged in, do not attempt to retrieve them from standing water. Instead, contact your utility company and ask it to turn off the power. Unfortunately, electronics that were still running at the time of submersion likely short-circuited and stand little chance of recovery. Generally, it’s best to simply replace them. Professionals can sometimes rescue hard drives, but call as soon as you can: The longer the drive was exposed to water, the greater the chances that irreversible damage occurred.
Flooding and inclement weather often create high humidity conditions that can create electronic damage. When coupled with dust, excessive moisture forms sediment that clings to and corrodes circuit boards. Once you’ve disconnected your devices from power, remove the circuit boards and place them on paper towels while you wait for a technician to arrive.
Rain or Splash
Technology that has taken a hit from rain or leaks may continue to function once dried, but the water often leaves behind minerals that will cause corrosion to circuit boards if left untreated. Once you have turned off the power in your building, unplug any wet electronics and remove them from the water’s path so that they can begin to dry.
Remember, when it comes to recovering flooded electronics, it’s best to act quickly. Take the necessary precautions and call a professional as soon as you can.
3 Ways To Prevent Mold Growth in Any Facility
Mold can grow wherever moisture and food sources are present.
Mold can grow wherever moisture and food sources are present. Excessive moisture may be caused by water damage or result from high humidity levels. Mold can thrive on almost any organic material, including building materials. Find out more about three mold prevention measures for a structure in Mount Hermon, NJ.
1. Prevent or Limit Damage
A building owner or facility manager may want to schedule regular plumbing and roof inspections to identify potential risks before damage occurs. As soon as a pipe bursts or signs of a leak become apparent, it is important to limit the spread of water as much as possible. Water from a broken supply line can simply be dried, but areas exposed to contaminated water will need to be disinfected. It is crucial to act quickly, as mold may start to grow within 24 to 48 hours.
2. Eliminate Excessive Moisture
Whether a structure has suffered a flood or leak or relative indoor humidity levels are high, getting rid of excess moisture is the most important mold prevention measure. Damage cleanup and restoration professionals can pump out standing water and promote drying with air movers or fans. Running a dehumidifier can be helpful for maintaining humidity levels under 60 percent, ideally between 30 percent and 50 percent. It is more difficult for mold to multiply if less moisture is present.
3. Use Mold-Resistant Materials
Cellulose or plant fibers present in carpet, paper, wood and some types of insulation can support mold growth. If a structure is at a high risk for mold, the owner or facility manager may want to consider using building materials such as mold-resistant drywall and paint containing mold inhibitors.
These mold prevention methods can help to stop mold from growing. If you suspect that fungi have already started to grow, contact a commercial mold damage cleanup and restoration company located in Mount Hermon, NJ.
How to Clean Electronics After a Fire
Unplug all electrical devices and leave them off
There’s a lot to worry about during and after a fire in your office. Next to the safety and well-being of your staff, you have concerns about the extent of damage to your equipment and supplies. Whether an electrical fire or other type of fire damaged your electronics, there are ways to minimize the problems and even restore the items.
What Can Happen?
Even minor fires in your Oxford Township,NJ, office can threaten your sensitive equipment. You want to act quickly to evaluate the damage. Fire and smoke damage can harm electronics in the following ways:
- Soot. Smoke will leave behind a layer of soot, which carries acidic properties. High concentrations of acid can ruin computers, printers, and other equipment.
- Smoke causes magnetic charges. You don’t want a magnetic charge to come into contact with any electric item. This can destroy circuits on any device.
- Overheating. Smoke can bring a nasty black film, which will settle on electronics. This can lead to overheating issues, reducing an electronic item’s life.
What Can You Do?
Your first step after an electrical fire is to unplug all electrical devices and leave them off. No matter what, don’t plug them back in or try to start them up again. This can cause further damage. Before you try to handle any of the clean-up yourself, call a trained professional. Expert fire and smoke cleanup companies can take care of damage effectively and in a timely manner.
Why Call the Pros
A professional has both the knowledge and equipment to properly handle computer cleanup. The team will use specialized methods to prevent further problems and will give you the best chance of using your computers, printers, televisions, and other devices once again.
No one wants to deal with an electrical fire. If you face this daunting task, make sure you let a competent specialist employ the right skills and training to help you out.
7 Steps To Prepare Your Company for Disaster
Have an evacuation plan to prepare your company for any disaster in Oxford Township,NJ
Catastrophic events happen almost everywhere, and Oxford Township,NJ, is not exempt. Disaster preparedness is a must for every company, and there are several ways to ensure the safety of your employees and your business.
Steps you can take to be sure you are ready for various types of incidents.
- Assess every risk. Your business should research every potential risk and disaster, both common and uncommon. It’s crucial to know what you’re getting into before something happens.
- Have a continuity plan. Analyze your finances and business procedures to pinpoint what is needed for your company to continue on after a disaster. This includes hierarchy of power, emergency payroll, backed-up accounting systems, data recovery plans and more.
- Stay up to date on your insurance coverage. Fully understand what your insurance covers and what it does not. Know how to file efficient claims if needed.
- Have an evacuation plan. Evacuation plan maps should be posted throughout the entire building to indicate the best ways to escape when necessary.
- Have a shelter plan. Just as evacuation maps are posted, shelter plans should be posted as well. Whether it’s a tornado, earthquake, lock-in or severe storm, you should have multiple shelter areas that are quickly and easily accessible to everyone in each part of your building.
- Plant first-aid kits and supplies throughout your building. Emergency supplies are incredibly important for disaster preparedness. Keep several of them in safe places.
- Keep employees informed. Whether it’s through regular meetings, drills or memos, make sure your employees are not only aware of your business preparedness plan, but fully understand it as well.
If disaster does hit, all is not lost. Recovering is possible with a great disaster preparedness plan and a little help. Have the information of restoration specialists on hand in case of an emergency. Incidents happen, even in Oxford Township,NJ, and your company should be prepared.
Dealing with Sewer Damage to Two or More Floors
If your business has sustained sewer damage to more than one floor due to flooded toilets, you will need to get the situation under control quickly.
If your Phillipsburg, NJ, business has sustained sewer damage to more than one floor due to flooded toilets, you will need to get the situation under control quickly. You'll likely have some structural damage, as well as contamination from black water. The longer you wait, the more likely you'll sustain more damage and exposure to harmful bacteria and mold. It's important to call a professional sewage company right away. A water damage restoration service will be able to come out in a few hours, and following the steps outlined below, quickly assess and deal with the problem.
1. Problem Assessment
Once they arrive, the restoration experts will look at the sewer damage to determine what kind of specialized equipment needs to be deployed. They will test the water to find out what kind of contaminants are present, so that they can know which types of cleaning and disinfecting agents should be used.
2. Removing Building Contents
The next thing the restoration experts will do is remove all contents, including furniture, office equipment and documents, from the affected floors of the building. Some items, such as saturated carpets, may not be able to be salvaged, but whatever can will be dried, cleaned and disinfected using specialized cleaning methods and equipment.
3. Water Extraction
As soon as everything is cleared out of the sewage-damaged area, the technicians will begin the process of removing the water from the building. They will use heavy duty equipment such as sump and trash pumps, as well as truck-mounted extraction units, to pull out all the water and debris. Any wet, contaminated materials such as damaged ceiling tiles, flooring and drywall will be removed at this time. Any affected surfaces will be completely cleaned and disinfected.
4. Excess Moisture Removal
Once most of the water has been extracted and the surfaces cleaned and disinfected, further steps will be taken to remove any residual moisture from hard-to-reach places. Special-purpose air movers and dehumidifiers will be employed to make sure every inch of the damaged area has been thoroughly dried.
5. The Restoration Phase
Once everything has been completely dried and sanitized, the reconstruction of damaged areas can begin. This might involve minor repairs to drywall and repainting, or might entail the rebuilding of entire rooms of the structure.
When sewer damage affects your commercial building, don't panic! By following the procedures outlined above, a professional restoration company will have your business back to normal in no time. For more information, visit http://www.SERVPROwarrencountynj.com/.
How to Clean Content Post-Flood
It can be hard to let go of control over your items during content cleaning, especially ones that are vital to your business.
If a storm in Phillipsburg, NJ, recently caused your commercial building to flood, you are probably wondering if and how you can clean your valuable items that have been damaged or soiled by black water. There are typically two types of items and different ways to approach content cleaning for both.
Non-porous items will not be penetrated from water in a very severe way. You will recognize which items are non-porous at your place of business because they will most likely be made of one of the following materials:
These types of objects can typically be restored from flood damage with help from a contents restoration company that has professional experience in content cleaning, especially where items affected by black water are concerned. Some may not even need restoration at all. For instance, a plastic storage container can likely be dried off and sanitized to return to its original state. It always helps to inspect each item to determine the level of cleaning that will be required.
Porous materials, such as paper, will likely get soaked all the way through by water after a flood and may even need to be disposed of. However, the company that helps you restore your non-porous items may be able to help you restore certain objects, such as photographs from your employees’ work spaces or important business documents.
While electronics are typically not porous in the same way that paper or other delicate materials are, cleaning them is both difficult and dangerous and needs to be handled by a qualified, experienced technician. Never attempt to repair water-damaged electrical items yourself.
Get Help When You Need It
It can be hard to let go of control over your items during content cleaning, especially ones that are vital to your business. However, there are many cases where help from a technician, a restoration company or even a trusted friend can go a long way in helping you restore your valuables in the quickest and safest way possible. Follow the advice laid out here and seek assistance when needed to increase your chances of restoring your items. For more information, visit http://www.SERVPROwarrencountynj.com/.
What Happens if Smoke Damage Affects Your Workplace?
After a fire and smoke damage, your insurance company and a competent cleanup company will work closely with you to ensure a seamless process.
When you think of a fire, you probably worry about the potential devastation and destruction the flames can cause. While this is a valid fear, you can’t discount the effects of smoke damage. This presents health concerns and can be difficult to eliminate. Cleanup in your Phillipsburg, NJ, office can be costly as well, but fortunately, your fire insurance policy should cover it.
Call Your Insurance Company
If your company has fire insurance coverage (and hopefully you do), you need to call your agent as soon as the fire crews put out the blaze. Your agent will want to know the extent of the damage and where the fire occurred.
• Detail equipment you lost or that was damaged.
• Detail areas of your office that was damaged or had smoke damage issues.
• Take photos after firefighters put out the fire.
Insurance Company Assessment
Your insurance agent will inspect your building after you make a claim. You can have peace of mind knowing that your policy should cover damages from the smoke even if the fire originated in a building next door.
Get the Pros Involved
Once you know your insurance company will take care of cleanup costs, you need to get a qualified fire cleanup company on the case. An experienced, skilled team will handle smoke cleaning to help rid your building of unpleasant smells. The specialists will also handle other consequences such as soot damage.
Get You up and Running
You can’t afford to be out of your office too long. Luckily, the best companies can work quickly and efficiently. After the cleanup process, the team will remove and replace damaged items such as drywall, flooring, and your roof.
After a fire and smoke damage, your insurance company and a competent cleanup company will work closely with you to ensure a seamless process. This will allow you to focus on maintaining your business. For more information, visit http://www.SERVPROwarrencountynj.com/.
Getting Standing Water Out of Your Building
When a storm passes through Washington Township, NJ, you never know what to expect. Your commercial building could be left untouched, or you may have to deal with standing water in your lower levels. When the damage is more severe, you have to know what to do next. Calling in a storm restoration professional can help you react quickly and smartly. Removing standing water from a building requires the use of special equipment and fast actions.
Know What To Use
Standing water can lead to major structural problems and mold growth if allowed to linger in your building for too long. Because the issues can be huge, you need to know what equipment to use. Often, this type of remediation requires the following:
• Truck mounts
• Trash pump
This commercial-grade machinery can pump out liquids, sludges and solids, which means you don't have to worry about sifting through the dirty water to let the machine run smoothly. Instead, the professionals come in, hook up the hoses and start pumping out your unwanted water.
Know How To Prepare
Once the water has been drained out of your building, you likely don't want to repeat the process ever again. While the professionals can do a good job of helping you dry out the space, it requires a lot of work and can cause your business to lose production time. You can reduce the chances of standing water filling up your building after a storm by installing a sump pump. This pump sits in a hole and works to remove water as it starts to fill up a space. In other words, it works to stop flooding before it leads to standing water.
Storms can often leave you surprised. No one expects to find two feet of standing water in his or her building, but it does happen. If you ever find this unpleasant surprise on your property, you need to hire someone who has the equipment needed to remediate it.