Recent Posts

3 Reasons To Have Interruption Insurance

7/7/2020 (Permalink)

Financial concept meaning Business Interruption Insurance with sign on the piece of paper. Reasons to have business interruption insurance

3 Reasons To Have Interruption Insurance

When business owners plan ahead for emergencies or disasters, they should think of what to do both during and after a calamitous event. A fire may stop a business from operating for days or weeks, during which time the owner can lose revenue while continuing to foot bills for expenses at a commercial property in Broadview, MT. Business interruption coverage is independent of property insurance, but both policies are essential during restoration.

1. Disasters Reduce Revenue
When a disaster such as a business fire takes place, owners often focus on expenses associated with cleaning and restoring damage. In reality, these are the starting points of a costly period of time. A disaster may lead to total loss of revenue if an enterprise cannot operate out of a temporary location until the primary property is restored.

2. Some Expenses Continue
After a disaster causes business income to slow or stop, expenses such as rent, equipment leases, payroll, and utilities are likely to continue. A business that has to pay bills and foot any out-of-pocket costs for damage or services that exceed cleanup and restoration work covered by a property insurance policy might not survive a disaster without business interruption insurance.

3. Coverage Offsets Losses
Most interruption policies kick in 48 to 72 hours after a disaster necessitates business closure. A restoration company can dispatch representatives to assess, document, and mitigate damage within hours. An estimate should be available to insurance companies in a timely manner so that fire cleaning and restoration can get underway as soon as possible.
Cleaning professionals will work quickly to restore a commercial property in Broadview, MT. If a business can temporarily relocate and continue to operate during this time, it may not be necessary to make a business interruption claim. A general property or interruption policy may also offset relocation costs to and from a temporary location.

Why You Should Choose SERVPRO For Fire Restoration Projects

6/10/2020 (Permalink)

Kitchen cabinets with soot Fire damage in Laurel, MT

Why You Should Choose SERVPRO For Fire Restoration Projects

Fire restoration typically involves multiple steps. Yet some emergency cleanup companies only provide select services. However, SERVPRO is a one-stop-shop that performs every part of the restoration and mitigation process. This is cost-efficient and helps the fire rebuild go more smoothly. Once your client contacts SERVPRO after the fire, the cleanup professionals will perform all of the below steps.

1. Damage Assessment
SERVPRO experts will respond to the property right away and survey the damage. They will check for items that have been affected by fire, soot, and smoke. This will help them determine a plan for fire restoration.

2. Roof Tarp and Board Up
A fire can destroy the walls, roof, and windows of a property, leaving it vulnerable to additional harm. SERVPRO will board up the windows and walls and use tarps to cover any holes in the roof.

3. Water Removal
Both the building's sprinklers and the firefighters' hoses can leave behind water damage. SERVPRO professionals will drain all the water from the property. They will then utilize air movers and dehumidifiers to ensure everything is dry.

4. Soot and Smoke Removal
Fires leave behind excess smoke and soot, as well. SERVPRO experts are trained in the proper techniques for eliminating ash from various surfaces.

5. Sanitation and Cleaning
SERVPRO experts will use fogging equipment and air scrubbers to remove nasty odors. They will also return the items inside the building to the way they were before the blaze.

6. Restoration
The final step of the fire restoration involves repairing the building itself. Depending on the extent of the damage, SERVPRO experts may reconstruct entire rooms or simply replace the carpet and drywall.
The SERVPRO franchise in Laurel, MT, provides multiple rebuilding services. Professionals from this emergency restoration company will board up the property, remove water and smoke, sanitize damaged items, and restore the property. Since SERVPRO is a one-stop-shop, both you and your clients will save money.
You thus should choose SERVPRO as your preferred vendor. Many other insurance companies have already done so.

Staying Safe Around Category 3 Water Damage

5/26/2020 (Permalink)

Breaker box with the word CUT THE POWER! The very first thing you should do before entering any flooded area is to turn off the power to the space

Precautions To Take If You Enter a Flooded Area

A residential category 3 flood, or black water, is the most contaminated floodwater. While it is tempting to remove the water immediately, certain precautions are necessary to secure your property and ensure your safety. If you must enter a flooded area, there are several precautions you should take to protect yourself and your family from additional exposure or hazards.

  1. Turn off electricity
  2. Wear protective gear
  3. Use professionals

Turn Off Electricity
The very first thing you should do before entering any flooded area is to turn off the power to the space, especially if the water level is higher than a few inches. The risk of electrical shock is an actual threat. Even if the power appears out, go to the electrical power and shut it off from there before starting water and sewage cleanup.

Wear Protective Gear
Blackwater doesn't get its name from color alone; it is contaminated with sewage, chemicals, and bacteria. You do not want this water to come into contact with your skin. Wear protective clothing if you must trek through the water, including a full-body suit, face mask, gloves, and a pair of goggles. Contacting or ingesting this water type can make you violently ill.

Use Professionals
Your best bet when dealing with a category three flood is to contact a water mitigation company in Broadview, MT, for help. In fact, some states may require professional removal of the floodwater because of its contamination level. Make sure the company you hire has the proper licensing and certification to work in your state and with your insurer.
Blackwater is the most contaminated flood source, and homeowners should avoid contact with the flood if possible. Contact your local government or insurer if you do not know how to handle the removal and restoration of your property. You may also want to call a restoration company to assess the level of property damage.

How To Care for Your Pets In a Fire Emergency

5/26/2020 (Permalink)

Dog sitting on a carpet bottom of the picture it says FIRE TIP Tip- Place a Window Cling to alert firefighters about pets within your home in case of a fire

How To Care for Your Pets In a Fire Emergency

Are you prepared to efficiently escape a burning home? Do you know the best methods for departure, keeping both family members and pets secure? During a fire emergency, decisions must be made quickly. There is no time for doubt or error. Therefore, you'll want to know now how to make the best use of time and resources. After all, a fire restoration company in Billings, MT, can repair a building, but it cannot bring back something or someone you love. For that reason, it's imperative to understand the risks of these events and prepare as best as possible. Establish a plan that considers the whole household--pets included. Here are three tips to make the departure a bit easier.

1. Make Them Part of Your Plan
If a fire sparks, you want everyone to understand the proper escape procedures. This includes knowing how to handle your favorite animals. Therefore, pet preparation should be included in any family discussions and practices. Make sure that you know who would be responsible for locating your beloved furry friend. Create a specific call that for quick response, and, during routine drills, use this as a signal that your dog or cat should come quickly. In addition, kids should be told to exit and not reenter, securing their safety and allowing the professionals to help if needed.

2. Place Information Near the Front Door
During a fire emergency, firefighters should be aware of any dogs or cats within the home. Consider a window cling that states each animal's name, age, and common location. With this information, first responders are more aware of who to look for and where. In addition, keep leaches within eyesight and collars on animals.

3. Make Alone Time Safe Time
Store cages or beds in locations that can be easily accessed, making for quick and efficient rescues. Also, prevention is an essential part of pet safety. Try to ensure that animals cannot start a blaze, sheltering them away from stoves, candles, and electrical sources.
During a fire emergency understand how to aid your animals. Organize their location and belongings.

How to Prevent Kitchen Fires

5/25/2020 (Permalink)

Burned kitchen Kitchen fire

How to Prevent Kitchen Fires

If you would like to keep your home safe from kitchen fires, you can do several things to reach your goal. Kitchen fires can turn your house into a smoke damaged home in no time, and removing the lingering smoke odor won't be easy.

You can protect yourself by:

  • Monitoring your food
  • Setting a timer
  • Placing a smoke detector above your stove.

Keeping your children away from the stove while you are cooking is another great way to prevent fire damage.

What to Do When a Fire Takes Place

Despite your best effort, kitchen fires can still occur and inflict fire damage to your home, but you are not out of luck. A fire restoration team can come to your location and repair your smoke damaged home, providing you with impressive results. They will get to work cleaning soot from walls as soon as possible, which will combat the lingering smoke odor.

After they are done cleaning soot from walls, they will also use filters to clean the air in your home. Your personal belongings will be shipped to an off-site location so that the team can repair and send them back to you. No matter how hopeless your situation might seem from the surface, hiring a fire restoration team is one of the best ways to get your life back on track.

How Small Businesses Can Prevent Water Damage

5/11/2020 (Permalink)

Technician with a clipboard writing down The plumbing in a commercial structure should be inspected by a licensed plumber

How Small Businesses Can Prevent Water Damage

Water damage is the second most common cause of small business property insurance claims. Taking measures to prevent damage may enable a business owner to avoid the necessity of making a costly business claim. Here are three ways to reduce the likelihood and severity of damage due plumbing problems at a business located in Billings, MT.

Plumbing Inspection
The plumbing in a commercial structure should be inspected by a licensed plumber on a yearly basis. This process should account for every component in this essential system:

  • Pipes
  • Fixtures
  • Backflow testing
  • Visible damage

Plumbers may use cameras or check the water pressure to determine the condition of lines. These measures are helpful for determining when plumbing components require replacement to prevent a pipe break. Fixtures should also be checked for leaks. Backflow testing ensures that wastewater is not contaminating clean water. Any indications of mold, puddles, or water stains around pipes or fixtures indicate underlying problems that require repairs.

Sewer Maintenance
A commercial property insurance business claim will not cover sewage damage. Additional coverage in the form of an endorsement is necessary to offset expenses associated with cleaning up contaminated water and solid waste. Regular use of enzymatic drain treatments and clearing clogs in a timely manner can prevent this costly damage.

Preventative Upgrades

A small business owner may want to invest in a backwater prevention valve to stop sewer backups or replace polybutylene pipes prone to premature failure. These upgrades require planned expenditures, but tend to be more cost-effective than emergency plumbing repairs and water damage restoration.

The average business claim amount for damage caused by water or freezing is $17,000. In the event of unavoidable damage, a well-documented history of regular inspections and preventative maintenance may increase the likelihood that most of the costs of repairing and restoring damage will be covered by a commercial property insurance policy.

What Personal Protective Equipment is Needed for Mold Removal?

5/11/2020 (Permalink)

A professional disinfector in overalls processes the walls from mold. Removal of black fungus in the apartment and house. Personal protective equipment keeps a mold remediation team safe

Types of Mold Cleanup PPE

When cleaning mold growth, the first priority is to protect everyone. Personal protective equipment keeps a mold remediation team safe while helping to prevent cross-contamination. The main types of mold cleanup PPE are:

1. Hair Cover
If mold spores settle in your hair, they can easily be transferred throughout the building or inhaled. When taking a break, the hair cover in use should be disposed of and a new one put on before work resumes.
2. Face Mask
An air-purifying respirator needs to be worn during mold cleanup. An N-95 mask will filter out 95% of all particles and is usually fine for this work. You can get disposable or reusable. Either way, it needs to be removed before leaving the affected area and replaced when returning to work.
3. Safety Goggles
Thorough mold cleanup usually means a lot of debris in the air (e.g., mold spores, dirt, dust and drywall). Safety goggles protect the eyes from debris and harsh chemicals.
4. Gloves
It’s important to wear form-fitting disposable gloves; mold spores can get inside ill-fitting gloves. The gloves should be removed between work sessions before leaving the affected area, and replaced with new ones upon return.
5. Protective Coverall
Tyvek suits are preferable for mold remediation since they’re disposable. This type of suit can be worn over regular clothes and disposed of once work is completed. Unprotected street clothing should be changed just after leaving the affected area and washed in hot water.
6. Shoe Covers
Just like the disposable gloves and hair covers, disposable shoe covers should be removed and disposed of when taking a break from work. Then, a new pair should be worn when returning to work.
It’s important to protect people and uncontaminated areas from exposure to mold. If your building in Laurel, MT, suffers mold damage, mold remediation professionals will restore it to its preloss condition as soon as possible.

Top Tips For Managing a Flooded Home

4/29/2020 (Permalink)

Low angle portrait of factory worker wearing biohazard suit sorting reusable cardboard on waste processing plant, Wear protective gear

Top Tips For Managing a Flooded Home

Flooding is one of the most overwhelming and ridiculously pervasive disasters that a home can weather. If you find yourself managing flood water in your space, you may be dealing with any number of concerns, including:

  • Property damage
  • Mold issues
  • Electrical hazards

To mitigate risk and clean up as efficiently as possible, here are a few tips to keep in mind.

1. Wear Protective Gear
Depending on the cause of the flood, any number of substances or bacteria can be present in the flood water. Additionally, there's often a risk of electrical issues if the flooding's anywhere near an outlet or other mechanical device. Wearing rubber boots that go up to the knee will help you prevent problems with electricity and bacteria while you're cleaning up. Be sure to also use gloves and masks. Try not to wear any clothing that would allow water to seep through and make contact with your skin.

2. Clear the Air
Standing water is a breeding ground for bacteria and mold issues. Getting fresh air into the affected space can help prevent harmful organisms from growing in the flooded home. If possible, try to open windows and get air circulating as quickly as possible. The sooner you remove water and lingering humidity from the space, the sooner your mold risk goes away.

3. Make Phone Calls
Call your insurance directly after a flooding incident to file a claim. Don't touch anything before you document the space for any insurance requirements; take photos and give them a detailed description of the water damage. Remember that a lot of repair work will likely need to be done on your walls, floors, and any affected surface, so be sure to contact flood restoration services in Acton, MT, as soon as possible. Don't replace any damaged contents until you have a professional team come through and clean up.
Flood water can bring with it a host of urgent steps to take. However, with mitigation tactics and swift help from professionals, your flooded areas can soon be livable once again.

What Happens When Fire and Water Damage Combine?

4/20/2020 (Permalink)

Fire and strong smoke covered building. Dangerous situation Fire damage in a Comanche, MT commercial building

How Water Compounds Fire Damage

The consequences of a fire at a commercial building in Comanche, MT, can include thousands of dollars in damage to building materials and contents. A burnt or singed structure and contents are only part of the aftermath of many fires. If sprinklers or hoses were used to extinguish the blaze, water cleanup may also be necessary. Find out more about how water compounds fire damage.

Standing Water
As a fire burns through building materials and contents, sprinklers and fire hoses can release hundreds of gallons of water into a structure. Water intensifies damage caused by a fire in several ways:

  • Excessive weight
  • Heightened risk of structural failure
  • Increased risk of mold

Sprinklers and hoses release clean water. As soon as this water mixes with soot and smoke, it becomes highly contaminated Category Three water damage. Before fire and smoke cleanup can take place, all standing water must be pumped out of a structure.

The severity of staining increases rapidly as long as residual moisture remains in a structure. Soot and smoke damage become more set in whenever water is present. If water cleanup takes place as soon as possible, restoration measures may still be sufficient to fix partial damage. Burnt or singed materials must be replaced.

Structural Damage
Just one inch of standing water throughout an area can add thousands of pounds of weight to a structure. A building with severe fire damage may be likely to succumb to structural damage if standing water is present. Lingering moisture can also undermine weakened building materials. Timely cleanup and mitigation measures may limit the extent of damage.
Many fire cleanup jobs involve some water damage. Restoration professionals have experience with the unique requirements of water cleanup after a fire. If water is standing at a fire-damaged structure in Comanche, MT, the owners of a building or business should document this damage for a commercial insurance claim and pursue mitigation.

How to Mitigate Hail Damage to Your Commercial Property

4/9/2020 (Permalink)

Old composite roof with damage Asphalt shingles can lose some of their granules if they are struck by hail

Hail is unpredictable and unavoidable and can strike without much warning. Hailstorms have been known to cause significant damage to commercial buildings, but roof damage is the main concern that businesses face.

How Does Hail Damage a Building?

Asphalt shingles can lose some of their granules if they are struck by hail, which can expose the fiberglass mat.
Wooden shingles can split during a hailstorm, exposing the felt underlay.
Exposed fiberglass matting or felt underlay can become damaged and split.
Large hail can break glass windows and doors.
If hail accumulates on tree branches, they can break and damage the building or break windows.

Hail damage to the shingles is especially troublesome, because you may not notice the roof damage until the roof starts to leak. By then, the water that has saturated the shingles and matting has probably caused serious problems to your roof, not to mention the inevitable water damage inside your building.
Even though you can’t avoid weather conditions that produce hail, there are some things you can do to mitigate the potential damage to your commercial property in Broadview, MT before and after a hailstorm.

How Do You Perform a Roof Inspection?

Conduct routine roof inspections to ensure your roof is in good condition before a hailstorm strikes.

  • Inspect the shingles carefully for wear or missing pieces and replace them as needed.
  • Look for any standing water or rust stains, which could indicate a water problem.
  • Remove any leaves or debris from the roof drains and gutters.
  • Make sure skylights aren’t leaking and are secured.

What Damage Should You Look For After a Hailstorm?

If you’ve endured a hailstorm, it’s important to inspect the roof as soon as weather permits. Check the shingles to make sure there is no damage or loss of granules. Repair or replace any damaged materials right away. Make sure skylights and AC units have not been damaged as well.
Hailstorms can cause serious roof damage, but if you are prepared, you can mitigate the damage and keep your business running smoothly.