Recent Storm Damage Posts
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.