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Types of Insurance for Your Commercial Property

11/8/2021 (Permalink)

Commercial High Rise Building Commercial Property High Rise Building

Though it’s not something any business owner likes to think about, your commercial property can be damaged in an accident or suffer damage due to extreme weather. This type of disaster can result in significant business interruption and financial losses if you’re not prepared with the right types of insurance coverage. Make sure you have the proper commercial property insurance by following this guide on types of insurance for your commercial property. 

Understanding the Different Types of Insurance

It's important to have the right insurance coverage on your commercial property, whether you own or lease it. Commercial Property Insurance covers your property in case of damage or loss, such as a fire or windstorm. Flood Insurance covers you in case there is a flood, a type of coverage that most General Property Insurance does not include. Business Interruption Insurance protects your income in case your commercial property needs to be closed for repairs and your income is reduced or eliminated during a commercial repair project.

Understanding Commercial Property Insurance

You can insure your property to ensure that you are covered in case of damage or loss. Commercial Property Insurance does exactly that. It is meant to protect your company’s physical assets like your building, signage, furniture, and equipment, from fire, explosions, burst pipes, storms, theft, and vandalism. In case you need commercial repair services, this type of insurance will be critical to protecting your business.

Understanding Business Interruption Insurance

Business interruption coverage is sometimes offered through your property owner’s policy, but you can also purchase it separately. Because a commercial restoration can take several months to complete for very large losses, this kind of insurance ensures that you don't lose important business revenue during that time period.

Understanding Flood Insurance

Flood insurance is different from Commercial Property Insurance and can sometimes be forgotten by business owners until it's needed. It is meant to protect your property in the case of a loss directly caused by flooding. According to FEMA, a flood is an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties. If your commercial property is in a high-risk flood area, federally regulated lenders will require that you pay for this coverage. If your property is in a moderate to low risk area, you will not "technically" need it. Yet, if a flood does occur, you could run the risk of losing your business if you are not insured to pay for commercial restoration services.

If you are ever in need of commercial restoration services, SERVPRO of Houston County is available 24/7 to help you quickly make your commercial property damage "Like it never even happened." Call us today at (478) 224-4148

And for more on Examining Commercial Policies Ahead of a Disaster, be sure to read our other blog post here.

Commercial Sanitizing Services: What You Should Know

11/8/2021 (Permalink)

If you work in commercial property and have been following the news, you’re probably well aware of the dangers posed by bacteria, viruses, and other microorganisms that can quickly get out of control if left unchecked. Especially, Covid-19.

Luckily, there are several methods you can employ to fight back against bacteria and pathogens that can pose a threat to your customers’ health and your business’s bottom line. Chief among these methods are commercial sanitizing services meant to eliminate harmful bacteria and pathogens before they have a chance to spread throughout your establishment.

Here is what you should know about Commercial Sanitization.

Sanitizing Vs Disinfecting Vs Sterilizing

Not all mean the same thing, and it is easy to get them confused. Before you start cleaning, it's important to know the difference between these 3 levels of cleaning. 

Sanitizers: Used to reduce, but not totally eliminate microorganisms to levels considered "safe".

Disinfectants: Products that kill more than 99.9% of disease-producing microorganisms. These typically destroy infectious fungi and bacteria, but don't necessarily eliminate spores.

Sterilizers: Used to completely destroy all forms of microbial life.

If you’re searching for commercial sanitizing services, it’s important to know that the products used will vary depending on the type of surface being cleaned, and the level of clean you need for your business.

Before Choosing a Disinfectant, Know these Surface Types

When choosing the right commercial cleaning service, it’s vital to know what products are being used on your commercial surfaces. However, not all products work for all instances. Here are the 3 kinds of surfaces to keep in mind.

Hard Non-Porous Surfaces: These surfaces are rigid and without pores. Examples would be stainless steel, metal, glass, hard plastic, and/or varnished wood.

Porous Surfaces: These surfaces have small holes or pores. A general rule of thumb is that if water or another liquid can pass into the surface, then it's porous.

Food Contact Surfaces: Surfaces that will be in contact with food. These can be either porous or non-porous. However, when cleaning these surfaces, you need to make sure that the chemical is acceptable for food contact.

For More information on selecting the right cleaning chemicals for your business, read more on the EPA List N Guide here

If you believe your business would benefit from Commercial Sanitizing Services, our teams are ready and available 24/7 to help you be Certified: SERVPRO Cleaned.

 Call us today at (478) 224-4148

5 Tips to Protect Your Commercial Real Estate from Tenant Fire Damage This Holiday Season

10/26/2021 (Permalink)

Christmas Tree on Fire Prevent Fire Damage on your Commercial Property this Holiday Season.

The holiday season is now upon us, and with upcoming family gatherings, home cooking, and festivities, fire damage can become a more serious concern.

Experiencing commercial fire damage can be devastating to the well-being of your business, not to mention your reputation in the community. Learn how to prevent that kind of damage with these five tips for protecting your commercial real estate from tenant fire damage.

Bring Awareness to the Danger of Fires During the Holiday Season

Thanksgiving is the peak day for home cooking fires, followed by Christmas Day, the day before Thanksgiving, and Christmas Eve. Cooking equipment was involved in one of every five home decoration fires according to this article by the National Fire Protection Association.

Consider sharing these statistics in an email to your commercial property tenants along with additional fire prevention tips, or upcoming fire safety checks to tenants. 

Schedule Fire-Safety Checks

If your commercial real estate property has tenants, then you should schedule fire-safety checks for them at least once a year. Doing so could save your property and your tenant lots of money and inconvenience down the road.

If you have not done so yet, consider scheduling a smoke alarm test, fire extinguisher checks, and Fire Sprinkler tests before Thanksgiving. A tenant’s fire can cause substantial damage to surrounding areas, which is why it’s best if fires are prevented before they have the chance to spread.

Remind Tenants of Responsibilities & Expectations During the Holiday Season

Holiday parties are good for business, but they can also cause some problems. While it’s important to ensure your tenants are enjoying themselves, you should also make sure that your tenants know what they’re allowed and not allowed to do in terms of decorations. If you allow decorations, make sure that they’re safe; if you don’t allow them, it’s important that your staff knows that too. When left unchecked, tenant-placed holiday decor can become hazardous quickly.

Another good idea is to remind tenants to review their renter's insurance policies before the holiday season and document personal belongings. This reminder can also be a great way to improve customer service for your tenants.

Talk to Your Insurance Agent to Ensure Policy Coverage

If you own a commercial building, your insurance agent is your number one source for learning about commercial building restoration and policy coverage. Agents with experience in commercial property damage can walk you through what types of coverage you have. They can also help explain the potential scenarios in which you should consider calling a large loss restoration contractor like SERVPRO of Houston County.

With a bit of planning ahead of time, taking swift action in a crisis is a little easier!

Create Fire Action Plan

Commercial buildings are more likely than residential properties to have fires, and smoke can spread quickly through open hallways. To protect your tenants and property, consider creating an easy-to-follow document that spells out what actions everyone should take in case of fire or other disaster. You can make one with Google Docs or another online platform.

SERVPRO of Houston County provides a great, free program for our commercial property owners and managers called an Emergency Ready Profile. This could help serve as an important part of developing your fire action plan. For more information on obtaining your Emergency Ready Profile, please contact us at: 478-224-4148

Conclusion

There are many ways that you can be proactive about fire safety. However, if a fire does happen at your property, make sure you have an experienced large loss restoration company on your side. For more information or for assistance with restoring your commercial real estate after a fire, contact us at 478-224-4148 today.

The Why Behind the Danger of Thunderstorms | SERVPRO® of Houston County

6/22/2021 (Permalink)

a large lighting strike just in front of person driving down road Thunderstorms can pop up at any moment. Contact SERVPRO of Houston County if you experience any damage.

While thunderstorms are incredibly common, especially this time of year, they can be very serious in terms of the damage they can cause. Though some storms can make their way through without much collateral damage, some don’t—and they can turn deadly within moments due to forceful winds, hail, lightning and flash flooding.

thunderstorm is defined as a transient storm of lightning and thunder, usually with rain and gusty winds, sometimes with hail or snow, produced by cumulonimbus clouds.

For a thunderstorm to be classified as severe, it will contain one inch (or larger) hail and straight-line winds of at least 58 miles per hour. Let’s look at some ways this weather may present hazards so that you can plan for ways to stay safe the next time one comes through Houston County.

What Damages Are Associated With Thunderstorms?

Lighting strikes can cause serious damage and injury. One of the most dangerous components of a thunderstorm are lightning strikes, causing upward of 300 injuries every year. This does not even count the damage that lightning strikes may inflict on homes or businesses. The most common effects of lightning are house fires or trees that can fall on these structures. By definition, a thunderstorm produces lightning, so even if it’s not within your range of visibility, there is a possibility that it can appear quickly.

Hail damage to property. Even the thought of hail can be a dreadful experience because it can do serious damage to anything it touches. In a very intense thunderstorm, hail that is an inch or larger, there could be damage to uncovered cars, injuries to people who are not sufficiently sheltered and significant damage to sidings, roofs and other structures on private and commercial property. Hail can be a powerful and unpredictable force that falls at a tremendous speed, making it one of the most impactful elements of a thunderstorm.

Property loss or injury due to flash flooding. While flooding is a major concern, even for those who do not live or work in an obvious flood plain, it can cause many serious problems. Flash floods are known to happen without warning any time heavy rain saturates an area. It is oftentimes able to become a life-threatening scenario in the event of a storm drain backing up or nearby roadside ditches filling with water. Although it’s incredibly dangerous, many people still attempt to cross flooded roadways, causing damage to their cars and possibly having their car carried away by the tide.

Thunderstorm damage can happen at any time and is capable of causing significant damage to homes or commercial spaces. Our team is here to help should you have any damage due to a thunderstorm. Contact us 247 for more information on how we can serve your Houston County home or business.

How Can I Identify Water Damage in My Basement? | SERVPRO® of Houston County

6/22/2021 (Permalink)

a grey basement showing signs of water damage SERVPRO of Houston County is a full restoration company. Our team is on call and ready to help you determine the best course of action.

A basement is a great addition to a home for a number of reasons. The extra storage it allows for can be a fantastic resource, and it can also be a safe place to go during a thunderstorm or tornado. Especially during hot Georgia summers, it can be another livable space or workout area.

However, basements can bring their own share of challenges, particularly in the way of experiencing water damage. Basements are more likely to have water damage than other parts of your home, so being vigilant in checking for signs of damage can help prevent compounding problems later. Here we’ll look at some ways that you can identify water damage in your basement.

How to Spot Water Damage in Your Basement

Pungent odors. Basements are commonly perceived as having a distinct musty smell. However, most of the time, this smell happens when there is mold or mildew in the environment. Standing water can create a very unpleasant and pungent odor after it has evaporated, so even if you don’t see mold or mildew, the smell will give it away.

Chipping paint. Homeowners and landlords alike will often apply waterproof paint in an effort to prevent damages in a basement. Unfortunately, this well-intentioned plan will only mask water damage for a while and then lead to other problems down the road like peeling, cracking or bubbling in the paint.

Cracking in the foundation. As homes settle over the years, the possibility of shifting can cause hairline cracks, but foundation cracks are not normal and can be a sign of water damage. Cracks can appear in the floor, ceiling or walls and are many times a sign of water putting stress on the home in a way that is causing the cracks. While hairline cracks are not a cause for immediate concern, if they become larger, they should be professionally assessed immediately.

If your home has experienced any of these, especially in your basement, contact us today to see how our expert water restoration technicians can help you set a plan of action to treat it properly.

Keep It Fire-Safe This Spring & Summer | SERVPRO® of Houston County

6/22/2021 (Permalink)

flames and smoke from a bonfire Restoring fire and smoke damage is one of our specialties. Contact SERVPRO of Houston County to learn more.

Spring is undeniably beautiful. The weather is pleasant and mild, the flowers and trees are really showing off their plumage, and nature beckons us outdoors after the long, cold winter.

There are lots of reasons for backyard gatherings as well. We love to celebrate everything from graduation day to wedding engagements, church socials and family reunions, and many of these events all but necessitate a meal cooked on the family grill.

But springtime activities in the backyard also lead to an increased fire risk. In fact, spring sees more daily fires on average than any other time of year. But with just a little effort, you can take the necessary steps to host your home activities safely.

The grill. Grills are the greatest need for care in regard to spring fire safety, as they’re the top cause of accidental fires. Anytime you combine high heat, grease, gas and flammable materials in close quarters, there’s a risk. Keep your grill in good working order, make sure it’s away from anything that might catch fire and don’t forget to clean it between uses. Almost 20% of grill fires are due to poor cleaning!

The fire pit. When you’re gathered in the backyard roasting marshmallows, make sure you have a bucket of water on hand, both to douse the fire slowly when you’re finished and to take care of any flames or ashes that might hop out of the pit. Be attentive to the fire at all times, and never leave pets or kids alone by the pit. And don’t add pine needles or leaves to a burning fire, as they easily break down to tiny embers that can be carried on the wind.

Chimneys and dryer vents. You clean your dryer lint trap every time you do laundry (you do, don’t you?), but sometimes lint can sneak past and gather in your vent pipe. While you’re thinking about fire safety, go ahead and clear that bad boy out. And you’re done with your chimney until fall, so get rid of built-up ash and soot so you’re not starting fires in a hazard when it gets cold again.

Your local SERVPRO technicians are on hand 247 for emergencies. If you encounter fire damage at your home or business, no matter the cause, we will be there faster and have it cleaned up sooner. Call or click today and experience the SERVPRO difference.

Provide a Safe Environment for Returning Customers and Employees | SERVPRO® of Houston County

6/22/2021 (Permalink)

a SERVPRO employee placing a CSC sticker on building glass If you’re business has sanitation and cleaning needs, get in touch with the SERVPRO of Houston County team.

As recovery from the Covid-19 pandemic continues across metro areas like Macon smaller cities like Warner Robins, communities and families highly anticipate the full return of “normal” life, and business owners are hopeful for a full return to economic normalcy as well.

But a new challenge for business owners has emerged in a post-pandemic landscape: It is now crucial for you to provide an environment which is safe and protective of your employees and clientele, and they have to know and feel that they are cared for.

That’s why you need to get Certified.

Certified: SERVPRO Cleaned

The Certified: SERVPRO Cleaned program gives you a building sanitized with a custom cleaning agent that’s proven effective against threats ranging from MRSA to anthrax,, and also equips you with tools to reach out to your customers and employees to give them peace of mind before they even walk inside your business.

It’s all possible because of the three C’s:

Consult. There’s no one-size-fits-all situation for commercial cleaning, and we’re well aware of that. We’ll sculpt a custom plan for your business based on the specific needs of your location and context. It helps that SERVPRO of Houston County is locally owned and operated, so we are already acquainted with many of the intricacies and challenges of central Georgia.

Clean. Once we create a tailored plan for you, we’ll be hard at work putting it into action. We’ll disinfect your building with hospital-grade cleaning methods you can’t get anywhere else, giving you the ultimate level of cleanliness, meeting or exceeding strict CDC guidelines.. And it’s bigger than COVID-19 protection—we’re coming for disease-causing agents of all kinds. We’ll have that place so sanitary, germs will run away in fear.

Certify. Now that you’ve got the cleanest business in town, you can let everyone know by displaying the special, exclusive Certified: SERVPRO shield. We’ll provide you with physical and digital resources you can display in windows, on doors and on websites to let your returning employees and customers know that you’ve gone the extra mile to take care of their health. They’ll be glad to be inside a place they know they’re safe.

If you’re ready to get serious about sanitation and have your business Certified: SERVPRO Cleaned, get in touch today to get the best team in cleanup and restoration on your side.

Ready to sell? Old tenants moving out? Let us help you get your home ready.

5/13/2021 (Permalink)

Whether you are trying to sell your home or you have renters moving out or even after a water loss in your home, getting your house ready for new people can be very exhausting.

When it comes to selling your home, it can be extremely overwhelming working with realtors, inspections, and potential buyers.

Lucky for you, SERVPRO of Houston County is happy to clean your house and get it ready for showings and the sale. With our highly trained crews, we are prepared to help with any cleaning task ranging from mold remediation to deodorization to general cleaning services including carpet cleanings. We have helped many homeowners prepare and sell their homes with a top to bottom cleaning. We have also helped a lot of apartment complexes clean after the lease ends and a new one is beginning. 

Our thorough cleaning services can include wiping ceilings and walls, trim, the exterior of baseboard registers, and cleaning the inside and outside of kitchen and bathroom appliances. Window cleaning and floor cleaning are a great way to finish the project up and add the final sparkle to your fresh home.

We would be happy to set up a time for an estimator to come onsite to answer any questions you may have, and to get you a good idea of what the project would entail and cost. SERVPRO of Houston County is always here to help.

Foundation problems due to water

5/13/2021 (Permalink)

Do you think you have water damaging your foundation? Lucky for us you are a hands-on homeowner, who fixes and repairs things as needed. The problem is that water damage to foundations is not an easy water damaging problem to identify.

The key to minimizing the damage is to catch it fast and address the issue. But how? Below is a list of the some of the common symptoms of water damage within a house foundation.

A. Overly Damp Soil

If you have an idea that there could be an issue with moisture, take a look at the soil around the foundations of the property. If it is unusually wet without any recent rain, there is a good chance that groundwater is seeping into the foundation.

B. Water in the Crawlspace

Standing water and moisture building up within a crawlspace is a pretty good sign that something is wrong with the foundation, circulation of air, lack of adequate insulation, or a broken pipe. If it is too damp in this area, the quality of the air in your house can decrease, and it may give off a musty odor.


C. Mal-functioning doorframes or windows

This might sound like a surprising sign, but if your doorframes used to open and close correctly, but have recently started to stick, the problem could be moisture related. It may be a sign that the doorframes have begun to warp, from excessive water absorption.

If you notice one or all three of the issues, you may have a problem on your hands. SERVPRO of Houston County is here to help! 

Why board-up is important after a fire

5/11/2021 (Permalink)

Most full-service restoration specialists offer boarding-up services. Here are four reasons to board-up after a fire.

  1. You need to keep out the elements. If the structure of your property has sustained extensive damage, you should try to keep the elements out. Exposure to additional water, wind, or sunlight can compound the damage caused by smoke residue and soot.
  2. There is still viable stock on the premises. If products that appear viable remain in the building, you should consider boarding up. These items may require assessment and cleaning and may not be fit for sale but having them properly processed rather than stolen can be helpful for insurance purposes.
  3. You want to protect electronics and other valuables. Depending on the extent of the fire damage, you may be able to restore some electronics or other valuable property to working condition. Loss can be far more expensive than restoration or covered replacement.
  4. You want to limit soot damage. It is generally a good idea to reduce foot traffic on the scene of a recent fire. When soot gets embedded into carpeting or upholstery, it can be much more difficult to restore these materials to a pre-fire condition.

Your major concern is likely to be how to recover from fire damage as quickly and completely as possible. Preventing looting and exposure to the elements can make fire cleanup more successful. Here at SERVPRO of Houston County we will always put our customers first.