Recent Commercial Posts

3 Actions You Can Take To Lower a Business Interruption Insurance Claim

7/7/2022 (Permalink)

Business interruption insurance form and red pen for signing. Protect your business from disasters such as flooding by choosing a business interruption plan.

Three Steps to Reduce a Business Interruption Insurance Claim

Protecting your Parkdale, MO, business from disasters such as flooding includes choosing a business interruption plan that suits both the size of your company and the needs of your employees. While this type of insurance can help you stay afloat during difficult times, there are a few actions you can take to reduce the overall cost of a business interruption claim. 

1. Learn How To Navigate Claims Ahead of Time
A flood at your business may come from a variety of sources, from a broken pipe to a damaged water appliance, and knowing how to react can help reduce the turnaround time when you file a claim. Review your policy at least annually and remain aware of the steps required to file a claim, as well as what your individual rider covers. 

2. File a Claim Quickly 
Filing a business interruption claim quickly after a flood that causes large water damage can reduce the amount of time it takes for the insurance company to process it. Some claims may take up to 72 hours before they are fully processed, so providing your local agent with all the necessary information, including photos, can help streamline a claim and help you get back to normal operations more quickly. 

3. Reduce Flooding Damage 
There are a few ways you can potentially reduce the amount of your business interruption claim before a water restoration and cleanup service arrives. This includes stopping the spread of water to other large areas, if possible, and using ceiling and floor fans to lower the humidity levels in the building. This can slow the growth of damaging mold that could harm building materials and raise the cost of a business interruption claim. 
When serious flooding affects the normal operation of your Parkdale, MO, company, business interruption insurance can help prevent the impact of lost sales and employment gaps for your workers. When you understand how to use this insurance to your best advantage, it may provide you with better peace of mind as a business owner. 

How To Use Enzymes To Maintain Your Property's Old Pipes

6/26/2022 (Permalink)

Chemical agent used to unclog some pipes. Digital illustration. Flush enzymes down the main line.

The materials used to construct older pipes can easily cause clogs. Polybutylene, in particular, often corrodes and cracks over time. This corrosion may then prevent water from flowing through the pipes properly.
Clogs are not just a minor annoyance, either. The blockage could cause a water leak or even a complete pipe burst that may necessitate water damage repair services. If you own an older property as part of your Kimmswick, MO, business, you should perform regular maintenance on the pipes to prevent clogs and corrosion.

Use Enzymes To Limit Clogs in Your Rental Property

The best way to keep water flowing smoothly through your pipes is to utilize enzyme treatments in each sink. Enzymes are powdered bacteria that feed on scum and soap in the drain. Follow the steps below once a month to keep your old or polybutylene pipes clear.

1. Warm the Drain
Enzymes do best in warm temperatures. Before pouring them down the drain, turn on the water, and make sure it is hot.

2. Apply the Enzymes
If you bought dry enzymes, you must mix them with water before using them. Next, pour the solution into each sink before you leave for the night.

3. Flush With Hot Water
When you return to the property the next morning, flush the sinks with hot water. This should push any remaining gunk down the drain.

Flush Enzymes Down the Main Line
Enzymes can also limit clogs in the main line of your commercial property. Simply take a cup of enzyme treatment and flush it down a toilet that connects to this pipe. Do this four days in a row, and repeat the process once each season.
If you cannot afford to replace the old polybutylene pipes in your commercial building, you can still limit the potential for water damage by keeping the pipes free of clogs. Use regular enzyme treatments to continually maintain the pipes.

4 Things You Should Know About Business Interruption Insurance

5/24/2022 (Permalink)

Visible damage to a commercial building following a structure fire 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
  • Taxes
  • 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:

  • Utilities
  • 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.

How To Tell If Water Damage Is Category 3

12/27/2021 (Permalink)

water on the floor of a commercial building 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
  • Contaminants
  • Contents

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.

Certified: SERVPRO Cleaned 3Cs: Certify

7/9/2020 (Permalink)

A Commitment to Clean for Your Employees and Consumers

We’re going to extend our credibility as a premier biohazard cleaning company in the country to your business – to give assurance to your employees and customers that only SERVPRO can deliver. Once your business location has been Certified: SERVPRO Cleaned, you will gain access to our propriety signage, digital emblems, and other collateral that communicates you’ve selected a higher standard of clean available to help protect your employees and customers. This is the third C of the Certified: SERVPRO Cleaned program: Certify. And because we add the day, month, and year to that proprietary stamp of clean, your guests will know that not only did you choose Certified: SERVPRO Cleaned but that your location is being cleaned regularly at this standard.

Certified: SERVPRO Cleaned 3Cs: Clean

7/8/2020 (Permalink)

Proactive and COVID-19 Emergency Response Cleaning Program

Based on the specific needs of your business, your location will undergo a thorough, expert deep clean rooted in the pillars of People, Process, and Product. This is the second C of the Certified: SERVPRO Cleaned program. 

People

SERVPRO of Arnold/North Jefferson County Professionals are uniquely prepared during this unprecedented time to clean and disinfect your home or business according to the protocols set forth by the Centers for Disease Control and Prevention. We have years of experience with biological contaminants, and we will go beyond the scope of work that regular janitorial staff perform.

Process

SERVPRO of Arnold/North Jefferson County Professionals are trained to perform proactive or emergency responsive cleanups that involves facility or structure cleaning and disinfection. Cleanup procedures generally include cleaning of porous and non-porous surfaces, disinfecting of non-porous surfaces, cleaning and disinfecting of equipment, tools, and/or supplies used for cleanup process, and disposal of hazardous materials. In the event of a suspected or confirmed COVID-19 event, we will be there cleaning within 24 hours to ensure you get back to business as quickly as possible.

Product

Certified: SERVPRO Cleaned has more than 100 exclusive cleaning products to meet any need including our proprietary cleaning agent, SERVPROXIDE - a hospital grade disinfectant that carries the Environmental Protection Agency’s lowest toxicity category and is National Sanitation Foundation certified for direct food contact surface use. All our products carry the Environmental Protection Agency’s registered emerging pathogens claims and meet the standard set by the Center for Disease Control and Prevention for hospital-grade disinfectant.

By using SERVPRO of Arnold/North Jefferson County and the Certified: SERVPRO Cleaned program, you can feel confident about the disinfecting process.

Certified: SERVPRO Cleaned 3Cs: Consult

7/7/2020 (Permalink)

A Tailored Cleaning Program to Meet Your Needs

Not all business are the same, which is why we will assign you with a. Cleaning Protocol Consultant who understands your business and will create a custom cleaning program to meet your specific needs. This consultation is the first C of the Certified: SERVPRO Cleaned program. SERVPRO has worked in a wide variety of industries with businesses ranging from start-ups to global, multinational organizations. That’s why we know to start such a critical cleaning process with a consultation.

Your specific program will be developed based on a range of factors including business type, size of space, amount of high frequency touch points, foot traffic and congestion points. As a result, you’ll know that Certified: SERVPRO Cleaned is not just an industry leading standard in clean, you’ll know that the clean you receive is customized to your need.

Support Local

As a member of many local organizations, including the Arnold Chamber of Commerce and others in Jefferson County, we are a local business, too. We want to help fellow businesses get back to business and thrive during this time. Call SERVPRO of Arnold/North Jefferson County at 636-296-6813 to learn more.

Get Your Jefferson County Business Certified: SERVPRO Cleaned

6/29/2020 (Permalink)

When our logo is on your door , your commitment to clean is clear. Call SERVPRO of Arnold/North Jefferson County today to learn more.

Being open for business is just the beginning of our new journey forward. Employees may be hesitant to return to work and customers may wonder whether the businesses they patronize are safe. The COIVD-19 pandemic has changed what it means to be clean. Are you ready to communicate to your customers and employees that you’ve chosen a higher standard of clean for all Americans? Are you ready to be Certified: SERVPRO Cleaned?

CSC

Certified: SERVPRO Cleaned (or CSC) is a defensive cleaning program that SERVPRO offers to commercial locations to address the current COVID-19 global pandemic. This is a level of clean that goes far beyond janitorial or carpet cleaning. This is a proactive viral pathogen cleaning. When you choose Certified: SERVPRO Cleaned, you, your employees, your customers, and your community can rest assured that you’ve selected a higher cleaning standard — you are Certified: SERVPRO Cleaned.

As the #1 choice in cleanup and restoration, we stand on over 50 years of experience and expertise to help your business become Certified: SERVPRO Cleaned. Beyond fire & water, SERVPRO professionals are trained and experienced in biohazard decontamination standards set by the Centers for Disease Control and Prevention and local authorities.

From formulating and creating our proprietary cleaning products, like SERVPROXIDE, at our headquarters in Gallatin, TN, to taking the utmost care while disinfecting, we will hel;p ensure you and your business are set up to inspire consumer confidence as the economy begins to reopen.

When the stakes are this high, you want a partner who has developed an industry leading, proprietary training program, cleaning solutions, and remediation processes over decades. Expertise born out of cleaning up some of the most challenging biohazards imaginable. Certified: SERVPRO Cleaned reflects the unique experiences and capabilities of America’s #1 cleanup and restoration brand. The program is grounded with our unique 3C’s: Consult, Clean, and Certify.

Stay tuned for more blogs explaining the 3Cs. Until then, give us a call at 636-296-6813 for a local professional and schedule your Certified: SERVPRO Clean assessment today.

Be Proactive, Not Reactive

6/15/2020 (Permalink)

An ERP can save you time AND money. Don't let business get interrupted more than necessary. Contact us today.

For a business owner and homeowner, a worst-case disaster scenario involving fire or water damage can seem unthinkable until it suddenly becomes a reality. In the aftermath of a disaster, a quick response time by a disaster recovery company such as SERVPRO® can help minimize property damage.

Owners need to have a quick and convenient emergency disaster plan that connects them with vendors, necessary contacts, and pertinent information when disaster strikes. The SERVPRO Emergency Ready Plan (ERP) is a respected industry tool during a disaster event. An ERP is so valuable, that in the midst of the confusion and panic that often surround a disaster, an owner or manager can be provided a sense of calm and clarity in reaching out for expert help.

When building an emergency plan, there are four keys to remember.

1. Identify your facility’s greatest threats in order to assess the overall severity of the event.

During this discovery mode, what are your greatest threats (i.e. fires, tornadoes, floods, etc.)? Look at your locations. Do you have any that would be in a “tornado alley,” at risk for hurricane damage, or subject to deep freezing temperatures? Try to think outside the box, without becoming a doomsday prepper!

2. Document all vital information and establish clear communication activities.

An ERP needs to contain critical property information that can help speed up response time after a disaster occurs. Consider including any documented prior loss history, identify and label utility shut off locations, and prioritize your key contacts. Prior loss history can provide first responders and restoration vendors with historical information on your facility’s condition. Proper utility identification will allow for quicker response times for emergency shut off, requests and key contact information is vital to starting the recovery process, allowing you to quickly contact key personnel and answer priority questions.

3. Practice! Practice! Practice! There is no “textbook” event, so expect the unexpected.

You should conduct practice sessions to make sure everyone is clear on the process. Always have clear evacuation routes in your ERP, and set a distribution chain for your disaster recovery plan amongst key contacts and various locations.

4. Keep it updated, and have all necessary information communicated with your insurance company and emergency restoration vendors.

The best way for the recovery to begin is remaining proactive by always keeping your ERP updated. Your SERVPRO of Arnold/North Jeffersonon County representative can help keep your ERP up-to-date. People will come and go, updates will be made to the facility, and utilities can change. This should be a dynamic document that changes as your business does. If you don’t keep it updated, you’ll be several steps behind when disaster strikes. 

May is National Building Safety Month

5/1/2020 (Permalink)

No building is too large for our team of heroes to handle.

National Building Safety Month is an initiative of the International Code Council (ICC) and their 64,000+ members across the world, as well as their partners in building construction and design, and the safety community.

This month serves as an opportunity to educate insurance and commercial property professionals, as well as the general public, on “what it takes to create safe, resilient, affordable, and energy- efficient homes and buildings,” according to the ICC website.

Some of the topics and tips shared throughout the month include disaster preparedness, construction professionals, and innovations in building safety.

The general public may no be aware of how codes and code officials “improve and protect the places where we live, learn, work, worship, and play,” and this month can certainly improve that awareness!