4 Things You Should Know About Business Interruption Insurance
Commercial fire damage in Imperial, MO.
Business Interruption Insurance
Accidents happen. Fortunately, a fire at your commercial property in Imperial, MO, doesn't have to grind daily operations to a halt. If your company is covered by business interruption insurance, you can rest easy that many of your expenses will be taken care of. Here's a quick primer on this useful type of coverage.
1. It Covers a Variety of Expenses
A fire can affect more than just your drywall. Fire damage restoration requires skilled professionals, and the work of resuming "business as usual" takes time.
Nobody tells your operating costs that, though. If you're forced to shut things down after a fire, interruption insurance can cover various expenses, such as:
- Revenue lost while closed
- Rent, lease or mortgage payments
- Employee payroll
- Moving costs if you're forced to temporarily relocate during fire cleaning and recovery
- Training costs for new equipment and machines if your existing gear was damaged or lost
2. Income Coverage Doesn't Kick In Immediately After a Business Fire
Most business interruption insurance policies have a mandatory waiting period before coverage accounts for lost income. This window is typically 48 to 72 hours long, but speak to your insurance agent to get the details specific to your policy.
3. It Doesn't Cover Every Expense
While interruption insurance can cover an array of vital operating costs, there are a handful of scenarios that such a policy does not cover. These include:
- Items that are broken
- Income that's not documented in your records
- Flood damage
- Shutdown due to communicable diseases
- Earthquake damage
4. Its Cost Depends on Several Factors
Once you decide to purchase interruption insurance, your policy's cost will be determined not only by how much coverage you want but also by your industry, how many people you employ and your location, more specifically how high your risk of natural disaster is.
Business interruption insurance is a simple way to protect your investment in the unlikely event that fire threatens to shut down your work. Talk with your insurance agent to find a policy that meets your commercial property's needs.
3 Possible Causes of a Drain Clog
A clogged drain in your home can cause a variety of problems.
Three Reasons for a Drain Blockage
A clogged drain at your Arnold, MO, home can cause plenty of problems, from low or stalled drainage of a sink to flooding that can damage floors and equipment. A drain may clog for a variety of reasons, and learning to spot potential causes can help you decide when you need assistance to resolve the problem.
1. Residue Clogs Can Slow Drain Speeds
Your bathroom sinks can start to drain more slowly over time due to soap, makeup and dead skin residue that builds up in the pipes. When this occurs, cleaning the drain trap is not likely to help, as the buildup tends to form where you cannot see it. You may need a plumber to resolve this type of problem.
2. Grease and Fat Clogs
If you discover a clogged drain in your kitchen sink, this could be due to fat and grease deposits that build up in the pipes. As grease cools in the pipes, it could cause them to narrow and create a stubborn or slow drain that can make cleaning your kitchen difficult. When old grease sticks to the inside of your kitchen's plumbing, hardware store plumbing cleansers may only solve the problem temporarily.
3. Plant and Tree Roots
Over time, tree and plant roots can invade your home's drainage system and cause multiple clogs throughout the residence. This may become a serious issue when many roots tangle together and block a drainage system. A water cleanup and mitigation service can assist you with resolving this problem, especially when these drain issues cause floods inside your building that interrupt your employees.
A clogged drain in your Arnold, MO, home can cause a variety of problems, including overflowing sinks and standing water. While some clogs are simple to fix, knowing when to call for assistance can resolve the problem quickly and allow you to resume normal operations.
Why Does Black Mold Thrive in Showers?
Consistent bathroom maintenance can prevent mold from becoming a problem.
Why Shower Mold Is a Common Problem
A shower provides the perfect combination of conditions for black mold and other varieties of fungus to thrive. Find out why shower mold is a common problem and how to discourage mold growth in a bathroom.
Showers Are Moist
Mold requires moisture in order to grow. If water is left to linger in a shower or bathroom after bathing, colonies of fungus may form. There are several ways to lower moisture levels:
- Use a ventilation fan rated for the size of the bathroom
- Use a squeegee to remove water from shower walls or doors
- Ensure that grout lines are sealed to prevent leaks
These measures can reduce a major factor in mold growth. It is also important to keep bathrooms clean.
Organic Material Is Available
Fungi require food in order to multiply. This nutriment comes in the form of any type of organic material. In addition to maintaining low moisture levels when a shower is not in use, there are several shower mold prevention measures homeowners should take:
- Regularly clean and scrub bathroom surfaces
- Deep clean tile grout one or two times a month
- Use an anti-mildew product or a solution of one part bleach to nine parts water
Consistent bathroom maintenance combined with drying measures and proper ventilation can prevent mold from becoming a problem. Any one of these factors may reduce the likelihood of fungal growth, but all of these methods should be combined to banish bathroom mold.
The presence of moisture and food sources allow for the growth of shower mold. A homeowner who wants to prevent black mold or other types of fungus should take measures to promote drying and keep a shower and bathroom clean. If a shower leak results in a persistent moldy smell, this may indicate the presence of hidden mold. Contact a water damage restoration and mold remediation service in Byers, MO.
Which Water Heater Noises Indicate Attention Is Needed?
Inspection and regular maintenance of your water heater can eliminate many of these noises.
A Noisy Water Heater, What Does It Mean?
Your home in Murphy, MO, is filled with the normal noises of a home. Floors may creak and ceiling joists may pop. Your freezer and refrigerator whir and hum through their cycles. Your furnace or air conditioning unit may produce a fan noise. But when you start hearing noises coming from your water heater you may feel a bit uneasy and worry about whether it is safe. In the natural course of its function, sediment may collect at the bottom, calcium may build up on the sides, or an element may vibrate loose. What do the sounds mean?
Normal or Unusual Sounds Your Water Heater May Produce
•Screeching or singing noises mean a valve needs to be opened
•Humming may mean the element needs to be tightened into place
•Tapping and ticking sounds are normal and can be caused by cooling cycles
•Knocking or hammering is usually from the abrupt shutoff of the tank, for instance following a shower, or wash load finishing
• Popping, crackling or rumbling usually indicate mineral buildup on the element and it should be replaced or you should perform a water heater flush
So, what can be done about some of the noises that need attention? Inspection and regular maintenance of your water heater can eliminate many of these noises. Performing a water heater flush using a deliming solution can help prevent sediment and mineral build-up on the walls of your tank and may also keep your element cleaner. You may also find that installing a water softener may be of great help in keeping mineral build-up to a minimum.
If you hear something more bothersome, calling a water damage control specialist in Murphy, MO, may ease your mind. They will be able to help you assess and repair any damage that may have happened as well. Dealing with a water heater problem on your own can be intimidating. With regular maintenance you can increase your chances of having a happy and healthy water heater for years to come.
Property Security After a Fire
Boarding up services in Parkdale, MO.
How To Keep Your Property Safe After a Fire
The list of things to handle after a fire can be long and overwhelming. But one of the things that should be near the top is security. As devastating as a business fire can be, suffering additional damage can make things much worse. Read on to learn steps you can take - from boarding windows to getting a security fence - to keep your Parkdale, MO, property safe after a fire.
Data is easily one of the most valuable resources any business has. Examples include:
- Credit card information
- Medical records
- Tax documents
If your business has this or other information stored in computers or files, and there’s no longer a way to lock up your property, it’s critical that you remove these materials. Identify a safe place, such as a secure storage unit, and move sensitive data there promptly.
Protect Against the Elements
Fire can destroy many things in your business, but the wrath of the weather can be just as damaging. Just one heavy rain penetrating a compromised roof or door can multiply damage costs. Invest in a heavy-duty tarp for damaged roofs. Boarding up broken windows and doors will also help keep water out as well as animals.
Secure Against Thieves
Vandals know that a burned-out property can be a gold mine. Don’t rely on a security system to protect your business - those can be damaged by the fire! Instead, in addition to securing windows and doors, invest in a security fence. Security fencing creates a barrier that makes it harder and longer to break into your building. Such fencing also helps in the insurance process by preventing further damage that your provider may not cover.
Dealing with a fire is challenging enough. Don’t multiply your problems by becoming a victim of weather or looters. Connect with a fire clean-up firm to discuss a security fence or other methods to keep your business safe.
How To Tell If Water Damage Is Category 3
Water damage in Kimmswick, MO.
The most severe type of water damage is Category Three. Flood water and water from a toilet overflow are both in this category. Consider the following factors to determine whether Category Three water damage is present in a commercial structure.
What Is the Source?
Three categories are used to classify water damage. These include:
- Category One water, which is clean and treated
- Category Two water, which may contain chemicals or microbes
- Category Three water, which may contain contaminants and solid waste
Category One water damage usually results from a supply line break. Category Two water, also referred to as gray water, may come from an appliance leak or a backed-up shower. Category Three water, also known as black water, is typically flood water or originates from a sewer backup.
How Long Has Water Been Standing?
The condition of water left standing will deteriorate after about 48 hours, regardless of the original source. This may be caused by contact with:
- Building materials
A building owner or facility manager should quickly eliminate standing water and promote drying. This can limit primary damage and prevent secondary damage, such as mold growth.
Which Cleaning Method Is Recommended?
If a building has Category Three water damage, several stages of cleaning will be necessary. These may include:
- Removing water
- Tearing out porous building materials
- Cleaning and disinfecting the area
- Drying the area
Porous materials such as drywall and contents such as carpet will probably not be able to be thoroughly disinfected. These materials and contents should be torn out and replaced. Restoration should only proceed after an area has completely dried. Otherwise, the risk of mold growth may persist.
Category Three flood water or water from a toilet overflow can cause extensive damage at a commercial building in Kimmswick, MO. An owner may want to rely on the expertise of water damage restoration professionals.
3 Reasons Why Your Home’s Plumbing Pipes Might Be Noisy
Your Byrnes Mill, MO, home’s noisy pipes can be indicative of a pipe break in the near future.
3 Causes of Noisy Plumbing Pipes in Your Home
You might be used to all the sounds your Byrnes Mill, MO, home makes, from a squeaky stair to a rattling windowpane in your attic. However, when your plumbing starts making new and unusual sounds, it is not something you want to ignore. Banging, squealing and knocking may indicate an imminent malfunction, such as a pipe break, so noting these noises and taking action can be important for preventing serious indoor floods.
1. Pipe Obstructions
If your pipes are squealing or whistling, there might be several causes. The first is a pipe blockage, which can narrow the water’s path and create the noise. This can be especially common in areas with hard water, where calcium or lime can build up inside the pipes. Loose screws and old or distorted washers inside the faucet’s hardware might also be to blame. You can chase down the issue by turning faucets on and off in your bathrooms until you find the source of the whistling.
2. Loose Pipe Clamps
When the water in your home is shut off and your pipes bang and chatter for several moments, this can be startling as well as troublesome. This noise usually means one of your pipes has a loose or missing clamp, and the vibrations could eventually lead to a pipe burst unless it is located and strapped down. If you cannot find a spare strap, you can pad the area between the pipe and the wall to reduce the sound.
3. Failing Pipe Joints
If you hear hissing sounds while the water is running, this could mean a pipe break is imminent. When the water is forced between two plumbing joints where the seal is failing, it can cause this odd sound. Have a flood damage and remediation service in to inspect and fix broken pipe joints before they burst.
Your Byrnes Mill, MO, home’s noisy pipes can be indicative of a pipe break in the near future. Knowing what causes these sounds can help you prevent flooding and the damage it causes.
Fire Prevention Strategies
A smoke detector can prevent a small fire from growing into a larger one.
Fire Preparation Tips
Don’t let a devastating residential fire affect your life in House Springs, MO. Remember the following simple fire preparation tips in order to minimize the risk of personal injury or property damage.
1. Eliminate Open Flames
A candle or crackling fireplace can contribute to the cozy atmosphere of a home, but unattended flames are frequently the origin point of a home fire. If you cannot remain present to ensure that a controlled fire does not get out of hand, put it out and relight it later. Small incandescent bulbs, such as those found on Christmas tree lights, can also cause problems given their proximity to flammable surfaces. Check these lights for frayed wires regularly and unplug them when not in use.
2. Heating Components
Dust in central heating and air units can pose a fire safety risk in the winter months. Ducts and wiring should be inspected occasionally by a technician and cleaned or repaired if necessary. Even small electrical space heaters can cause a fire if neglected. To maintain optimal fire preparation, keep these units away from walls or fabric. Ensure that the cutoff switches stay in functional order in case the space heater falls over.
3. Smoke Detectors
While a smoke detector can never stop a fire outright, it can still alert residents to an incipient fire and allow them to begin evacuation. This can prevent a small fire from growing into a much larger one and require costly repairs or fire restoration services. Check the backup battery and functionality of each unit monthly, and familiarize your family with the sound of a smoke detector alarm.
With a little prudence, many common residential fire scenarios can be eliminated or mitigated. Develop a fire preparation strategy that includes both fire prevention and evacuation plans. Review this procedure with all residents and have the contact information of relevant emergency personnel ready.
4 Ways To Prepare for Adverse Weather
A commercial property can benefit from a manual or standby power generator.
Prepare for Adverse Weather
Bad weather can pose a threat to the safety of people and property. Although conditions can take a turn for the worse in any season, wintertime poses unique challenges. Here are four ways to prepare for a snowstorm or any other extreme weather in High Ridge, MO.
1. Prepare Emergency Backups and Supplies
A commercial property can benefit from a manual or standby power generator. Make sure the generator is functional and that you have sufficient fuel to power critical systems during an outage, ideally enough for several days.
2. Limit Travel
If storms or snow are in the forecast, you may want to allow employees to work from home rather than coming into the office. Roads may become unsafe during heavy rain or a snowstorm, resulting in delays or accidents. Planning ahead can help to reduce risk while sustaining productivity levels during bad weather. Be sure to make allowances for power outages or other unavoidable circumstances.
3. Protect Commercial Property
There are several measures you can take to protect a building from storms or snow. Schedule regular inspections, trim overhanging trees, and secure or store any items outside that can become flying debris. If the temperature will drop below freezing, be sure to heat the building and allow faucets to drip or trickle to prevent exposed plumbing from freezing and causing a pipe burst.
4. Monitor Weather Reports
It's a good idea to watch or listen to weather predictions if meteorologists anticipate storms or inclement weather conditions. Staying informed can help you make the right decisions when it comes to planning for personnel and property.
Whether a hurricane, tornado, tropical storm or snowstorm is coming, you can prevent damage and reduce risk by taking these measures to prepare a property in High Ridge, MO. If storm damage or water damage does occur, hire a commercial damage restoration service.
Problematic Noises From a Water Heating Unit
A noisy water heater can give you a heads up that something is not right.
Noises Caused by a Water Heating Unit
The water heater in your Imperial, MO, home may make noises while it is in use. Not every sound from this system is cause for alarm, but some of the sounds may be worse than others. Having a basic understanding of problematic noises can help you understand when to call in a water damage expert and when to leave your heater alone.
1. Crackling: The sound of crackling and popping could mean your heater has too much sediment buildup. The sound is caused by residue caking the heating element. As the heat rises, the water trapped by the sediment is forced through the buildup. Eventually, the buildup may become too thick for the heating element to work properly. You can address this problem with a water heater flush.
2. Screeching: When the valves in your heater are not set properly, you may hear a scream-like sound come from the unit. This screeching typically occurs when the valves are not opened wide enough. The buildup in pressure could eventually lead to a pipe burst or other issues.
3. Hammering: A knocking or hammering noise could be a sign that your piping has to undergo major water pressure changes. This sound may often follow the shut off of a faucet. While it may seem harmless, the rattling of the pipes could cause damage to the interior of your walls or the plumbing.
4. Humming: A low humming coming from your water heater could indicate there is a loose heating element. When the water heats up, the fast-moving particles cause the loose element to shake. If left unattended, the element may break due to the repetitive movements. However, this is an easy fix. Your professional simply has to re-tighten the coil.
You rely on your water heater to provide comfortable water to your house. Strange noises coming from this system may give you a heads up that something isn't quite right with the equipment.