Preparing For A Thunderstorm

7/8/2022 (Permalink)

To prepare for a thunderstorm, you should do the following:

• Build an emergency kit and make a family communications plan.
• Remove dead or rotting trees and branches that could fall and cause injury or damage during a severe thunderstorm.
• Postpone outdoor activities.
• Remember the 30/30 Lightning Safety Rule: Go indoors if, after seeing lightning, you cannot count to 30 before hearing thunder. Stay indoors for 30 minutes after hearing the last clap of thunder.
• Secure outdoor objects that could blow away or cause damage.
• Get inside a home, building or hard top automobile (not a convertible). Although you may be injured if lightning strikes your car, you are much safer inside a vehicle than outside.
• Remember, rubber-soled shoes and rubber tires provide NO protection from lightning. However, the steel frame of a hard-topped vehicle provides increased protection if you are not touching metal.
• Shutter windows and secure outside doors. If shutters are not available, close window blinds, shades or curtains.
• Unplug any electronic equipment before the storm arrives.

Inspect Gutters and Drainage

7/7/2022 (Permalink)

Inspect gutters and drainage

Fallen leaves and other debris in gutters and downspouts can lead to water damage to the exterior and interior walls of a building. Regularly inspect your business’s gutters, downspouts, and drainage system, and remove any debris or buildup. Have gutters professionally cleaned on a regular basis to ensure water is draining properly and away from the building.

Clear your roof

Snow and ice accumulation on your business’s roof can result in weakened roofing materials and create “ice dams,” which prevent melted ice and snow from properly draining. Regularly remove snow and ice from your business’s roof to prevent structural damage. Know your roof’s load-bearing capacity, and periodically check to ensure that snow and ice aren’t accumulating beyond its weight limits.

Locate your shut-off valve

If a pipe breaks, you’ll need to act quickly. That means you should know the location of the main shut-off valve for your building’s water supply. Shutting off the main valve will temporarily cut the flow of water to the building, preventing flooding until you are able to fix the problem.

Office Water Damage Prevention

6/8/2022 (Permalink)

How Can Water Damage In The Office Be Prevented?

Place office supplies and stationery in the appropriate locations.
Keep permeable materials like boxes and paper off the ground. While this may appear to be plain sense, people frequently overlook it, resulting in a disaster. Stationary and paperwork should be stored in higher cabinets so that nothing is lost if the floor floods. It's not a good idea to stack paperwork so near to the ground since water will rise to other papers if it comes into contact with the papers below. Computers and other electronic devices should also be hiked in price. Many offices have a policy of keeping CPUs under their desks.

Demolition Costs

6/8/2022 (Permalink)

The Cost of Demolition and Repairing a Damaged Structure

Many water pipes are hidden under walls, ceilings, floors, and other difficult-to-reach places. When an inside pipe bursts, you may need to demolish a piece of the structure to fix it.

Most property insurance policies, fortunately, cover the expense of ripping out and replacing any component of the structure you remove to repair damage to the plumbing system or an appliance (such as a boiler) from which water or another substance has escaped.

Assume that the supply line for the water fountain is positioned inside a wall in the scenario described above. A piece of the wall must be removed to obtain access to the damaged pipe.

Long-Term Flooding Can Be More Harmful

6/8/2022 (Permalink)

Long-term flooding or moisture is likely to harm most interior finishes and contents, although the following methods may be viable if the flooding is brief and cleanup started quickly. Delay permanent repairs until the building has completely dried out, which could take many weeks.

Subfloors

Subfloor layers of submerged plywood or OSB will most likely separate or swell. To keep the new floor covering from buckling, affected parts must be replaced.
Allow the subflooring to dry thoroughly after removing floor coverings, which may take months without a dehumidifier.
Before installing new flooring, inspect it for warping.

Wooden Flooring

Remove a board carefully every few feet to prevent buckling caused by swelling. Consult a carpenter or flooring professional if the boards are tongue-and-grooved.
Before replacing boards and undertaking repairs, properly clean and dry the floor, which could take weeks.

Commercial Wind and Hail Insurance

1/20/2022 (Permalink)

Protect your business with adequate wind and hail insurance coverage

A destructive storm can hit anywhere, but certain areas of the country are more likely to experience windstorms – a fact that may be reflected in your business’s insurance coverage. Wind and hail insurance claims are covered through commercial property insurance which can help you pay to repair or replace damaged property, including equipment, supplies, and structures. A business owners policy (BOP), which is specifically designed for small businesses, bundles commercial property with general liability insurance at an affordable price, and can also potentially pay for business property damage in the event of a storm.

If you’re in an area with a high risk of windstorms like Houston, review your policy language carefully with your Insurance agent. If you’re located in a high-risk zone, you may be able to purchase coverage as an endorsement to your standard small business insurance policy. This could mean a higher premium but more coverage in the event of a serious storm.