Recent Storm Damage Posts
4 Ways To Mitigate Roof Damage
Place a tarp over your roof
Steps To Mitigate Roof Damage
If heavy wind, rain, and hail are common where you live, there is a good chance that you are susceptible to roof damage. Routine maintenance and inspection are key steps to catching damage before they turn into bigger issues. If you inspect your roof and notice that you have any areas that need repair or replacement, you should take steps to mitigate the damage until you have the time and budget to restore your roof in Harpswell, ME.
Here are four ways to mitigate damage to your roof:
1. Place a Tarp Over Your Roof
You can avoid additional water and wind damage by stretching a tarp over your roof. The tarp provides a barrier from water, allowing it to run off the roof instead of seeping into cracked shingles and intensifying existing damage. Use several pieces of lumber to secure the tarp to the roof by positioning them vertically on the slope of the roof.
2. Keep Your Gutters Clear
Be sure to keep your gutters and downspouts clear of leaves and debris. If they become clogged, water can back up and overflow, causing additional roof damage.
3. Replace Damaged Shingles
If any shingles are broken or have water damage, replace them as soon as possible. Over time, damaged shingles can allow water to leak through, even if there is no visible hole in your roof. Water can also pool in cracks, allowing moss and algae to grow.
4. Cut Back Trees
If you have nearby trees with long branches that hang over your roof, trim them down. Remove any branches that could break off during a heavy storm and hit your roof.
Taking steps to mitigate roof damage is essential for avoiding additional damage and costly repairs. Routine maintenance and preventative measures are the best way to ensure that damage does not spiral out of control. However, if damage does occur, a professional storm restoration service can help you repair and restore your home and roof.
3 Things You Should Have in Your First Aid Kit
If you own a commercial property, you should always have a first aid kit on hand
Here Are Three Items You Should Always Have Available
If you own a commercial property, you should always have a first aid kit on hand. While a serious accident may seem unlikely, a properly stocked kit can prove invaluable should an emergency strike. Everything in an aid kit has is a first line of defense for those helping someone in need of immediate assistance.
1. Cleaning Agent
Before a wound can be treated, it needs to be cleaned. Bacteria present in dirt or other foreign substances can cause infection that can significantly worsen a straightforward prognosis. Before using a cleaning agent to kill bacteria, it is important to remove the buildup of any material in or around a wound.
Bandages are ubiquitous in every first aid kit for a reason. These wraps come in many types that can address different kinds of abrasions and lacerations on different parts of the body. Bandages help to keep dressings in place, control bleeding, and hold splints or other supports. They are not a replacement for stitches or intensive medical care, however, so you should always seek medical help when dealing with a major wound.
3. Resuscitation Equipment
Resuscitation masks, bags, and airways are essential for serious incidents in which an individual requires manual ventilation. Because resuscitation equipment can save the life of an employee who has had an airway obstruction or a heart attack, you should routinely check that your emergency kit is stocked.
If the employees at your Bath, ME, business are dealing with a storm or other disaster, your first responsibility is to make sure everyone is safe and gets the medical attention they need. After you have done this, you can start thinking about the cleanup process. In addition to contacting storm restoration professionals to provide you with any equipment or expertise you may lack, be sure to restock your first aid kit to be ready for the next disaster.
5 Things To Know About Nor'easters
Nor'easters can cause coastal flooding, high winds and heavy snow or rain
Here Are Some Nor'easter Facts You Should Know
Residents of the northeastern and mid-Atlantic states do not just have to worry about cold weather during the winter. They also have to watch out for nor'easters. A nor'easter can cause major damage to homes in Arrowsic, ME.
To protect your house, you need to understand what these storms are and the type of harm they can inflict.
1. They Form When the Atmosphere Is Unstable
The Gulf Stream is an ocean current that provides warm water along the East Coast of America. The air above this water is warm, as well. Nor'easters form when that air collides with a cold weather system. The resulting atmospheric instability powers the storm.
2. There Are Different Types
In 1946, J.E. Miller classified nor'easters as type A or type B. A Miller type A nor'easter forms in the Gulf Coast and works its way east. Type B nor'easters, meanwhile, begin as cyclones in the Midwest. They then hit the Appalachian Mountains before re-forming on the East Coast.
3. They Usually Impact the Northeast
As their name implies, nor'easters typically occur in the northeastern portion of the country. They can thus affect major cities such as Philadelphia and Boston.
4. They Primarily Occur During Winter
While nor'easters can form any time of year, they are most common during the winter months. That is when the polar jet stream brings the cold air to the East Coast.
5. They Are Powerful and Destructive
Nor'easters can cause coastal flooding, high winds and heavy snow or rain. They can thus damage your home and make it unsafe to drive.
Hopefully, you now understand what a nor'easter is and why it is so dangerous. If you find out that one of these storms is coming, you should secure your house as much as you can. You should also research the contact information for your local emergency cleanup company. Restoration professionals can help you rebuild following nor'easters and other disasters.
Understanding Your Commercial Storm Insurance
Things You Should Know When Choosing Your Policy
A storm can strike anytime in Phippsburg, ME. While you can't control the damage it causes it your commercial building, there are things you can do to protect your business. Having the right storm insurance can save your company a lot of money. Here are some things you should know when choosing your policy.
Check What it Actually Covers
It is important to know exactly what your insurance coverage looks like. You want to make sure that the structure of the building is covered, as well as all office equipment. Flooding is one of the biggest problems caused by storms, so all electronics are vulnerable and should be on your policy.
Get Enough Coverage
One of the biggest issues business owners face after their building has been damaged is that they don't have enough coverage. A lot of times people want to save money by having a lower premium, so they underestimate the value of their business. Oftentimes, this ends up costing them way more than it would have to pay for full coverage. If you aren't sure about the full value of your business, consider working with an insurance adjuster.
Understand What Is Not in the Plan
While your storm insurance typically covers all damage caused directly by the storm, it may not cover problems that could have been prevented in the first place. For instance, if you end up with mold growth from flooding caused by the storm, you may end up paying for it out of pocket. This is why it is vital to call a restoration company to handle the cleanup process immediately following the storm.
If you have questions about your policy or aren't sure what kind of coverage you have, talk to your insurance company sooner rather than later. Storm insurance is not something that you want to figure out after the threat has already hit. Having the right plan in place can help ensure that your business in Phippsburg, ME, survives any disaster.
How to Claim a Tax Deduction for Office Storm Damage
Office storm damage in Harpswell, ME
Businesses located in violent weather zones face the likely prospect of eventual devastation. When environmental trauma occurs, hiring a storm restoration service to commence repairs becomes requisite. The upside to this scenario is that you may request a Storm Damage tax break.
Natural Disaster Coverage
To receive a deduction, an insurance claim must be filed, so have an appropriate policy in place before your office in Harpswell, ME is stricken. Not limited to storms, protection options also exist for other forms of weather phenomena, including:
Depending upon your locale’s susceptibility, one or more of these coverage styles may suit your needs.
Filing Loss Deductions
Assure your approval by becoming knowledgeable regarding the collection request process. Always complete paperwork within a timely manner, as missing deadlines can bring about eventual rejection. Generally, Storm Damage declarations must happen with the same year as the destructive weather event, although expenses endured within federally declared disaster areas are sometimes deemed exceptions.
Subtract the insurance funds you receive from the overall cost of damages. Note that this figure is adjusted differently depending upon whether the property in question was purchased or acquired through other means. Also, you will be required to determine the building’s decrease in fair market value as a result of the environmental impact. You may need to consult a property specialist to determine this figure.
Rules for tax deductible losses pertaining to businesses are more relaxed than for those concerning personal properties. However, normal building deterioration is not covered and requests for reimbursement regarding future profits or income are similarly prohibited. Seek Form 4684, Casualties and Thefts, for your official declaration. The deductible amount is to be listed within Schedule A, Itemized Deductions.
Building repairs are expensive so don’t jeopardize receiving the government assistance you deserve with improper filing. Be certain your Storm Damage claim is handled correctly and relax knowing your financial burden will be lessened.
Nor'easter Preparation and Restoration
A Nor'easter can do major damage to your Bath, ME, home
A Nor'easter can do major damage to your Bath, ME, home. Fortunately, knowing some basic facts about these storms as well as information on the restoration process can help you keep your home safe.
Preparing for Nor'easters
Understanding a storm is key to preparing for it. The following are some helpful Nor'easter facts:
- Occur along the East Coast from the Mid-Atlantic up to Canada
- Most devastating in the winter
- Bring heavy snow, rain and ice along with strong winds
If a strong storm is predicted to hit your area, make sure to stock up on non-perishable food, potable water and other emergency supplies. To prepare your home, make sure your roof is in good condition. Repair or replace any missing or damaged shingles. Make sure the shutters and gutters are secure. Clean out the gutters if you have not done so recently. Trim back any limbs that are too close to the house.
Unfortunately, even well-prepared homes can suffer extensive damage from a Nor'easter. After the storm has cleared, there will be a lot of work to do. Too much snow can cause a roof to collapse under the weight, so use a roof rake to clear the roof of built-up snow. If you experience flooding, it is important to act quickly to prevent mold growth. Take a detailed photo or video evidence to document the damage, then begin drying out the property. You can use buckets, pumps or specialized vacuums to remove standing water. Turn on fans and a dehumidifier to dry out remaining moisture. Then disinfect all affected items. When everything is clean and dry, you can begin repairing and replacing the damaged items.
Whether your home has damage from a Nor'easter or another strong storm, the cleanup process can be overwhelming. Fortunately, a certified restoration service can help you get your home back to normal quickly and safely.
What To Know About Nor'easters
A nor'easter can bring excess rainwater into your home
If you live in Bath, ME, you have probably heard your local weatherperson talk about nor'easters. These storms can cause severe flooding to your home in a short amount of time.
Yet television meteorologists don’t often define exactly what a nor'easter is. Below are some nor'easter facts you need to know.
What Are Nor'easters?
While most people think of nor'easters as powerful snowstorms, snow is actually not a defining characteristic. Meteorologically, nor'easters are storms that:
- Typically occur on the East Coast
- Frequently take place in winter
- Feature a strong northeastern wind
Nor'easters can technically occur at any time of year, but they are usually the strongest between September and April. They typically begin within 100 miles of the East Coast. They bring with them heavy snow or rain, coastal flooding, and powerful winds.
There are two main types of nor'easters. A "classic" or "Miller Type-A" nor'easter starts on the East Coast or Gulf Coast and works its way to the northeast section of the country. "Miller Type-B" nor'easters, meanwhile, begin in the Midwest before heading towards the Appalachian mountain and up the East Coast.
How Do You Prepare?
If one of these storms is heading your way, be sure to stock up on necessary supplies. Nor'easters can knock down power lines and trees, leaving your home without electricity for several days. You should thus collect at least three days' worth of provisions such as food and water. You may also want to research a local storm damage restoration company and keep its contact information in your phone.
You should also avoid going outside if a storm is approaching. You do not want to be stuck on unplowed or flooded roads.
A nor'easter can bring excess rainwater into your home. It can also lead to a buildup of snow on your roof. The strong winds can even shatter your windows. Whatever the damage to your home, restoration professionals can assist with the cleanup.
What Can You Keep and Clean After a Flood?
Cleaning after flood damage in Arrowsic, ME
Here Are Three Things To Consider
It's overwhelming to deal with flooding. As a business owner in Arrowsic, ME, it's perhaps even harder to fathom that much of what you own may go to the trash. Standard washing procedures are not enough. Thus, work with professionals. They can offer content cleaning services, removing what can't be kept and assisting you in scrubbing belongings that are necessary. Here are three things to consider.
1. Category 3 Water Is Dirtier Than You Realize
When a flood made its home in your place, it brought with it much more than you think. It also delivered microbial spores, fungal and bacteria. These little beings were scraped up from all sorts of areas: river and ocean beds, the streets, and the sewer line. All of these pose a hazard. In all, that dirty muck has taken residence within your walls and floors, penetrating anything it could. As they continue to grow, the spores eat away at your structure and create a strong odor. The only way to eliminate them is to eradicate them.
2. Non-porous Items May Be Saved
Work with a water restoration company to evaluate the location, offering rebuilding and content cleaning services. The professionals can look at your non-absorbent pieces, determining if they can be salvaged. This would include furniture and fixtures that are metal or sometimes wood. In addition, if you had electronics in the room, the crew can work with outside sources to sanitize and restore them, allowing you access to necessary information and services.
3. Porous Materials Need To Go
Category 3 fluid, also known as black water, probably dove deep into many things: carpeting, rugs, curtains and paper products. While it may be disappointing to lose them, keep in mind that getting these pieces out of the space is important in removing pollutants. The more that goes, the easier it is to cleanse. If you are filing under an insurance claim, you may be able to request compensation, replacing them with something new.
When harmful water takes over, remember it's a serious problem that requires more than bleach and a towel. Let the specialists advise your content cleaning needs.
Insurance Coverage for Sewer Backups
Do you have sewage backup coverage?
A sewer backup definitely qualifies as one of life's most unpleasant experiences. It can get worse, though, especially if you find out later that your insurance policy will not cover the damages and the cleanup expenses. As a homeowner, it pays to understand your home insurance policy for two big reasons. First, knowing your coverage will prevent the shock of finding you are not covered for an incident. Second, attention to your policy may allow you to negotiate and customize your insurance to cover certain events. When it comes to sewage overflows into the home, there are some things a standard policy typically covers and some things it often does not.
Standard Sewer Backup Coverage
The overflow of a toilet or other sewage conduit in a home is typically not covered by a standard homeowner policy. The homeowner is responsible for maintaining the plumbing lines and even the line from the home to the city sewer lines. Backups can be caused by several conditions:
- A blocked or broken sewer line caused by tree roots or some other obstruction
- A clogged main pipe
- A flooded basement
- A plugged up toilet
The cost for the repair of the problem and for the damage caused typically is not covered, unless you have specifically requested a rider to cover such events. As always, since contaminated water in the home poses a health hazard, cleanup should begin immediately. Call in a qualified water remediation team in Woolwich, ME, to get a damage assessment and to begin cleanup.
A rider for sewer backup coverage in your home can be structured in several ways. You will likely have options for the size of your deductible and the dollar amount of coverage. These options put you in control for how much your annual premiums will be. Remember, when you file a claim to document the damage with before and after photographs and to keep all receipts.
What To Expect From Storm Damage Repair Professionals
Storm ceiling damage in Harpswell, ME
What To Expect From Storm Damage Repair Professionals
Bad weather does more than put a damper on your plans for the day. Across the United States, storm damages lead to billions of dollars of damage. The most common types of natural disasters are
- Hurricanes and tornadoes
When your business suffers the effects of one of these storms, the work involved in cleaning up (such as the need to tear out damaged walls) and recovering from the storm can be extensive. What can you expect?
When water damage cleanup and restoration professionals arrive at your building, they'll begin by extracting water from the property. This generally includes a tear out process, removing wet materials, such as walls, furnishings, and inventory. Once all of the water and any waterlogged materials have been removed, restoration technicians will move on to the drying process.
Finish the Drying Process
Thoroughly drying out the building is one of the most important steps of the mitigation and cleanup process. Water damage occurs immediately, but it also continues to spread, long after the storm has passed. For example, if carpeting isn't thoroughly dried, mold could take hold and spread throughout the entire property. If insulation absorbs water, the same possibility of mold growth poses risks to the entire building.
Discard Damaged Goods and Begin Reconstruction
Once all damaged materials and water-affected items have been removed, technicians will begin the restoration process. At this point, there may be a lot of paperwork to file and documentation to complete. Make sure you have photos and written inventories of your property, the damages, and the losses caused by the storm. As the restoration company works to bring your business back to its pre-storm condition, you may notice the professionals strengthening the structure. In some cases, strengthening the building against future storms is part of the work.
What should you expect when storm restoration professionals come to complete repairs after a storm passes through Harpswell, ME? The first step is the removal of water, the second step is to tear out anything damaged beyond repair, and the final step is reconstruction.
5 Tips for Preparing Your Home Against Flooding
Place sandbags around vulnerable areas
Mitigation Steps To Take To Protect Your Home
When you own a home in Arrowsic, ME, you may be wondering about your flood risk and whether your home is located in a flood zone. If you believe your residence may be at risk for flooding, there are several tips you should know about.
1. Learn If Your Home Is in a Risk Area
The first step is to have an idea about the risk level of floodwater to your home. Certain locations, such as the bottom of a watershed, may be a higher risk than others. This can affect the steps you choose to take, as well as your insurance plan.
2. Find Out Whether You Need a Separate Flood Insurance Policy
It's also important to remember that depending on your policy, flooding may be a separate plan. It's your responsibility to know what's in your policy as well as to purchase any additional coverage you may require.
3. Take Mitigation Steps
No matter what type of flood zone your property is located in, there are mitigation steps you can take to protect it. Consider the installation of a sump pump in your basement, place sandbags around vulnerable areas, or alter your landscape to direct drainage flow.
4. Stay Informed of Changing Flood Risks
Depending on the storm and weather patterns of your area, your flood risk may change over time. It's important to keep regularly informed of the weather patterns and water flow of your area.
5. Get Help From Professionals
Another important tip to keep in mind when preparing your home against flooding is that there are many flood restoration professionals who may be able to help. These professionals can advise some mitigation steps you can take, as well as provide a number of restoration services in the event that damage does occur.
It's important to know if your home is in a flood zone and to find out if you need a separate flood insurance policy. Fortunately, there are mitigation steps you can take to protect the property. If you have any questions, a professional may be able to help.
How to Reduce Flood Anxiety
Storm season in Bath, ME
If you live in Bath, ME, you may experience anxiety around storm seasons or perhaps the entire year. The best way to deal with anxiety about flooding damage is to educate yourself on preparation and determine where to reach out for help. This way, you will be prepared for the worst. One solid resource is FEMA’s National Flood Insurance Program or FEMA NFIP.
Before contacting an organization, it would be helpful to first ascertain your risk of flooding. For example, if you live in a low-risk area, and can easily prepare your house for damage, then further information may not be needed.
Tips for Flood Preparation
First are the ways to prepare:
- Find out if you are on or near a flood plain
- Review the insurance for your home/property
- Check your plumbing
- Maintain your property
This advice should cover the basics before seeking further consultation with FEMA NFIP or any other helpful organization. Think about how others may have taken these steps within your neighborhood. Someone close by may have done this before, or even have tools to offer you for clearer readings. It is better to prepare beforehand than to recover, even though there are beneficial companies that assist in that effort. Remember, house damages may be fixed but some property may be lost forever.
Organizations for Further Information
Besides FEMA NFIP, you could also contact your county’s local water services or your insurance company. They should have the information you require. Flood maps can be found online with a simple search along with tutorials that help you read the maps. Any questions about them should have a wealth of support nearby. If you are not sure about your flood risk, this is the quickest way to find that information.
After gathering the information and writing it down, you should have a clearer view of not only your risk but also what you need to specifically do to lessen your chances of incurring critical damage.
3 Important Flood Damage Facts
The main difference between a water damage and flood damage is where the cater comes from
It is Important to Know The Difference Between Water Damage and Flood Damage
If your Brunswick, ME, business has been affected by severe weather, you may have water entering the building from multiple sources. If this happens, it is important to know the difference between regular water damage and flood damage. The following are three useful pieces of information that you should keep in mind.
1. Flood and Water Damage Come From Different Sources
While they can both cause similar problems to your building, flood damage and water damage are viewed as two distinct issues. The easiest way to tell the difference is to determine where the water is coming from. If the water is coming from above, as with rain, snow or even a broken pipe, then this is water damage. If the water is rising up from the ground, then it is a flood.
2. Flood Waters Carry Additional Contaminants
If the water in your building has come from a flood, then you may have more to worry about than if it had been another type of water damage. Flood waters often carry mud, debris and bacteria, which will require thorough cleanup. In this case, an emergency damage remediation company can be of great help. They will have the tools and experience necessary to remove any contaminants from your building.
3. Floods Are Usually Not Covered by Standard Commercial Insurance
Perhaps one of the most important things to know about flood damage is that many companies will not include it in your standard insurance. You will likely need to purchase a separate policy to cover any costs associated with this type of disaster. If your building is located in an area where floods are common, you may be required to purchase this additional insurance.
After a storm, it is important to determine whether your building has experienced storm damage or flooding. This can affect how you will need to proceed during the restoration and repairs process.
Making a Sewage Backup Claim
Ask your insurance agent if you are covered
Sewage Backup Claim
Did you know that most sewer backup claims are covered by homeowners’ insurance policies? If you are facing such a backup in your bathroom, you are probably not in the best state of mind and could use some help figuring out the claims process. Here are the three steps you should take when filing a sewage backup claim.
1. Contact your home insurance agent. Taking this first step is very important after facing a sewage disaster. Even though most policies cover these types of backups, you will need to be certain of the extent of your coverage and whether or not you have to pay a special deductible.
2. Get in touch with professionals in your area. You will likely need to contact a certified plumber to help with toilet and other sewer backup issues. You should also call a local Georgetown, ME, water damage restoration company for help with salvaging and repairing any moisture damage that is present.
3. Keep good records of the restoration process. Take photos and keep a list of any damage, and make sure that you keep all of your receipts during repair and cleanup to show to your insurance company. After everything is fixed up, take even more photographs for your records and for insurance purposes.
If you follow these three basic steps, you will be in a better position to have your claim approved by the insurance company. Keep in mind that an adjuster will most likely need to see the property at some point to verify what kind of sewer backup damage is taking place. A water incident such as this is very stressful for any homeowner, but it can be less so if you take the time to put a claims plan in place and bring in the advice and assistance of local professionals who can help you get your home back in order.
3 Reasons Not To Drive During a Flood
During a severe storm, heavy rains can cause flooding in Brunswick, ME. While it can be frustrating to be stuck at home, there are very few reasons to risk driving on a flooded street. On the other hand, there are plenty of reasons why you should avoid driving during a flood.
- You could lose control of your car.
- It can be difficult to see the condition of the roads.
- You could damage your car.
Driving during a flood is risky and dangerous. The water can pose threats to both you and your vehicle. One of the best travel tips for driving in a storm is simply not to. When there is a flood in Brunswick, ME, you should try to stay inside and off of the roads whenever possible.
Why Should I Begin the Restoration Process Immediately
When it comes to large water damage and other workplace disasters, working quickly to restore order is crucial. After filing a claim with the existing insurance company, business owners should find a professional disaster cleanup service that can begin the restoration process. Not only can restoration specialists tidy-up the mess, but they can also perform crucial jobs:
• Removing odors – Flooding can leave behind a bad odor
• Inspecting for water damage below the surface – Thermal cameras are used to find hidden water
• Salvaging important equipment or documents – Our electronics and documentation restoration team is the best
SERVPRO of Bath / Brunswick has been helping companies in the area get help after storm damage for many years. You will have professional cleaning and paperwork for your company to turn into the insurance company. We are the standard when it comes to commercial storm cleanup.
Tips to Optimize Business Interruption
Flooding and other disasters can occur unexpectedly for business owners in Bath, ME. Whether dealing with a broken pipe or a large storm, these three tips are useful for optimizing a business interruption insurance policy.
Let employees work from home – If they can work from home they will be more productive. Give them a set of tasks and have them report back after the storm. Business as usual keeps profits and productivity moving.
Backup Computers and Information – Recovering your information from before the storm is a lot easier than having to restore from an older data point. The new recovery point will save you hours of sifting through data trying to determine what you might or might not be missing.
Business Cleanup and Recovery
Have SERVPRO of Bath / Brunswick ready to provide the cleanup as soon as the coast is clear. We will be ready with tools and equipment to have you back in business.
3 Sources of Black Water and Their Effects on Cleanup Efforts
Sudden flooding can impact your Bath, ME, home in many ways. Because most floods are usually difficult to predict, the resulting damage can happen quickly, especially in the case of Category 3 water. This contaminated or “black water” can come from several sources, and it is important to understand how it differs from other types of floods before you move forward with any cleaning efforts.
What is category 3 water?
- Outdoor Floods – Water from the outdoors will carry oils from the street, fertilizer from the lawns, and bacteria from the dirt.
- Sewer Malfunctions – Sewage water can come through your outdoor and indoor drains during a flood.
- Clogged Toilets – Any water that comes over the trap.
Category 3 flooding and its sources can be troublesome for you as a Bath, ME, homeowner. Understanding the potential dangers and how to handle the cleanup can help the process go smoothly.
2 Ways To Optimize Business Interruption Insurance After a Flood
Many of today’s business owners are preparing for the unknown by purchasing business interruption insurance. Unlike a standard property insurance policy, a business interruption insurance policy covers more than just the cost of property damage. After a significant incident occurs, such as a natural disaster or flooding, this special policy helps to pay for the loss of income that results from an inoperable business. Utilize these three tips to make the most of a business interruption policy.
Create a Policy That Fits the Business
When enrolling in a business interruption policy, it is essential to select the correct coverage. Some policies only cover damage that takes place 24 to 48 hours after a disaster occurs. The cost of a policy will depend greatly on the risk of flooding and other business-related hazards. Make sure to honestly disclose workplace risks to the insurance company and keep proper financial records in a safe place for proof to back any possible claims.
Document and Report Losses
Keeping proper documentation is the key to successfully navigating a business interruption insurance policy. Take pictures of damage and record the costs associated with both the restoration and closure of the business.
3 Helpful Things To Know About Flood Insurance
Contact your insurance agent to know if you are covered.
Considering Flood Insurance For Your Property?
When looking at commercial insurance policies for a Brunswick, ME, business, many company owners may be wondering if flood insurance is a good choice for their property. Here are a few things to consider.
1. What May Be Covered
In most cases, a flood policy will cover damage caused by nature or accident. This usually includes incidents such as a broken pipe or sewer backup, along with rain overflow and other storm damage. It is the policy holder’s responsibility to know exactly what their plan covers, but most normal flooding falls under these categories. In many cases, the insurance provider may also cover the cost of repair and cleanup, as well as recommend a professional restoration service.
2. What May Not Be Covered
Many commercial insurance policies will not cover flooding that comes as a result of neglect. This means that if you knew one area needed repairs, you failed to take action, and flooding occurred as a result, then your insurance provider may decline coverage.
3. What a Restoration Company Can Do
Insurance providers may have recommendations for a restoration company which may be able to help. A professional restoration service is equipped to help with large-scale disasters according to FEMA guidelines. They also offer services such as electronic inventory management system, which can be used to document items and repair requirements as they go. The database can be updated by the restoration team and accessed by the insurance agents allowing them to have the most up-to-date information as they keep track of the claim.
When looking at their commercial insurance policy, it's up to the policy holder to know what exactly is included. In most cases, flooding caused by accident or natural disaster will be covered. Flooding caused by neglect, however, probably will not. A professional restoration team may have the tools necessary to work with the insurance company in order to help process the claim and keep all required information updated.