Recent Commercial Posts
Understanding Commercial Flood Insurance
Is your Business covered from a Flood?
Flood insurance is a coverage that is often overlooked by many businesses that are not located within a Special Hazard Flood Area (SHFA), aka the 100 year flood plain. Contrary to popular belief, flood insurance can be purchased by just about anyone in the United States whether you are in a SHFA or not.
The federal government’s National Flood Insurance Program (NFIP) is the primary writer of flood insurance in the country; however they offer only limited property limits and limited coverage options. For a business, the NFIP will offer up to $500,000 of coverage on the building and $500,000 of coverage on the contents in the building, with deductible options up to $50,000. However, unlike most property policies that will offer Replacement Cost coverage (no deduction for depreciation), the NFIP’s loss settlement structure is Actual Cash Value only, meaning they willdeduct for depreciation on both the building and the contents. Also, the deductible applies separately to the building and contents (two deductibles). Finally, the NFIP does NOT offer Business Interruption coverage. So if your business is shut down for any period of time after a flood loss, there will be no compensation for your lost business income.
Fortunately, there are a few non-NFIP insurance markets that have recently begun writing flood insurance in competition with the NFIP, and some will offer Business Interruption coverage. But non-NFIP markets don’t accept every risk like the NFIP does so they won’t write everyone. Another possible way to get Business Interruption coverage is to purchase excess flood coverage above the NFIP policy. This would give you additional flood property limits above the NFIP’s $500,000 and then you may be able to add Business Interruption coverage to the excess policy. You would have to decide if the additional cost is worth the coverage, but most people who have suffered an uncovered loss usually wish they had paid the extra money after the fact.
Fire Restoration Professionals
Contact SERVPRO for your commercial clean up and restoration needs
A commercial fire is often severely damaging for business owners, and the fire damage restoration process can be intimidating. Thankfully, you can enlist the help of a disaster restoration specialist in the Highland Park/Deerfield, area to take on the brunt of the work.
Here are ways we can help:
SERVPRO of Highland Park/Deerfield offers 24 hour-a-day, seven-days-a-week availability. We are ready and willing to work whenever a disaster strikes your building. You can even call us in the middle of the night during a holiday, and they can quickly be there to offer assistance.
We will likely start by offering a free assessment of your property. An area walk-through, taking note of all structural damage and property loss, listening to your concerns, and offering an estimate of the work to be completed. Also, we will be the managers of your entire project.
Beyond the initial assessment, we offer tarping and board-up services to mitigate further loss and ensure the security of your facility. We even provide 24-hour surveillance, either in person or video. Whoever you choose, make sure that the protection of your property is a priority because receiving your insurance coverage may depend on it.
4. Cleanup and Restoration
While we have expertise in water, fire and smoke cleanup, we are also trained in several disciplines. We can act as intermediaries between contractors, so you can rest assured that your business is cleaned, repaired and rebuilt with the least amount of stress as possible.
The fire damage restoration process can be grueling, but it doesn’t have to be your burden alone. We have excellent contractors in-house and outstanding project managers as well. Reduce your stress and call SERVPRO of Highland Park/Deerfield 847-557-1080.
Indoor Air Quality and your Business
How clean is the air in your business?
Most people spend an average of 90% of their time indoors. Much of that time, for adults, is spent in an office, or warehouse, environment. Indoor air quality can contribute to the health and comfort of your employees, customers, and all who visit your place of business.
Why Does Indoor Air Quality (IAQ) Matter?
Many studies suggest that the level of pollutants indoors often surpasses the pollutants outdoors. Poor IAQ can potentially impact the health and wellbeing of your employees.
According to OSHA, the following symptoms have been linked to poor IAQ:
- Nose, lung, throat, and eye irritation
- Concentration difficulty
OSHA also claims that specific air contaminants have been linked with varying ailments. Irritants and damp indoor environments may worsen or lead to various conditions.
After examining the potential symptoms of poor indoor air quality, it’s no surprise that good IAQ has been linked to higher productivity and fewer lost work days according to an EPA Report to Congress from 1989. Happy, healthy workers tend to take fewer days off and accomplish more in the workplace.
What Affects Indoor Air Quality?
Fixing indoor air quality is not as simple of a fix as changing a pipe or washing a window. Several independent factors, both indoors and out, can contribute to poor IAQ.
Potential factors include, but are not limited to:
- Outdoor pollutants such as smoke, smog, etc.
- Poor ventilation and/or insulation
- Inadequate moisture and humidity control
- Untreated smoke damage
- Spilt chemicals and leaking gases
- Dust, dirt, and animal dander
- Fungi, pollen, and other biological matter
What Can SERVPRO do?
As mentioned before, many factors can impact IAQ. Fortunately, we offer comprehensive services that tackle many of these factors. At SERVPRO of Highland Park/Deerfield, we offer inspections with recommendations for the best course of action to leave your office with cleaner air.
Emergency Ready Profile (ERP)
Are you prepared? Download the app today!
As many as 50% of businesses may never recover following a disaster, according to the latest industry research. Of the businesses that survive, the overwhelming majority of them had a preparedness plan in place. Pre-planning can serve as an insurance policy aimed at peace of mind. By developing a SERVPRO® Emergency Ready Profile for your business, you minimize business interruption by having an immediate plan of action. Knowing what to do and what to expect in advance is the key to timely mitigation and can help minimize how water and fire damage can affect your business.
Call Us today about setting up your READY profile for your business for FREE! 847-557-1080
About SERVPRO of Highland Park/Deerfield
SERVPRO of Highland Park/Deerfield specializes in the cleanup and restoration of commercial and residential property after a water damage event. Our staff is highly trained in property damage restoration. From initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property
Commercial Water Damage Professionals Discuss Problems With Wet Insulation
Contact SERVPRO to evaluate the damage.
When pipes leak above the ceiling or in between the walls inside your Highland Park/Deerfield business, many structural issues can occur. Moisture always follows gravity so leaks that take place above your building or high up behind the wall can cause extensive commercial water damage as it flows to the floor. You may not even notice water damage right away and excessive moisture can saturate acoustic ceiling tiles and drywall forcing them to be replaced. If water flows behind the walls, other structural items such as your studs and insulation can get affected.
Some insulation can be dried out during a commercial water damage project, but other types must be removed and replaced. Most types of insulation get ruined with high moisture levels and must be thrown out. Fiberglass insulation can at times be saved if drying procedures take place promptly. If the fiberglass material stays wet for too long though, the paper backing on it can become a prime food source for mold. When removing contaminated insulation, our IICRC certified technicians follow strict guidelines during the process so that air quality does not become an issue.
Dealing with wet insulation can be extremely difficult, and it is a job best left to a professional restoration company such as SERVPRO of Highland Park/Deerfield. Depending on the severity of the situation, we can most times complete the majority of the mitigation work when your business is closed. If this is not possible, then we secure the area and make sure that the job site is safe for your employees and customers. In some situations, we can complete the work a section at a time so that the majority of your business can stay open during the process.
If you ever have a water leak at your place of business call SERVPRO of Highland Park/Deerfield anytime.
Restoring Your Highland Park/Deerfield Commercial Property After A Water Damage Event
Flooding and water damage events at Highland Park/Deerfield commercial properties are often complex with numerous issues that require a knowledgeable and flexible response. Whether we’re dealing with a relatively small water cleanup scenario or a large scale event, we work quickly to assess each unique situation and isolate the damaged area. In many instances, normal operations can continue in a temporary space while we restore your facility.
Restoring Commercial Properties Presents Unique Challenges
Our professionals are trained to be mindful of legal and environmental concerns and strive to fully restore the damaged area while working within your budgetary constraints. We understand that every hour spent cleaning up is an hour of lost revenue and productivity. So when an emergency situation arises in your business, give us a call and we’ll be there fast with the help you need.
About SERVPRO of Highland Park/Deerfield
SERVPRO of Highland Park/Deerfield specializes in the cleanup and restoration of commercial and residential property after a water damage event. Our staff is highly trained in property damage restoration. From initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property.