Even with insurance coverage, disasters can shake the foundations of even the best-managed companies. Make a business assessment for the survival of your company. Regardless of the cause of the catastrophe, a company’s very survival often depends on being prepared to responding quickly and efficiently, so a carefully constructed disaster recovery plan is one asset that every business needs. Before any calamity strikes, you should know what tasks will need to be performed to get your company running again and who will be responsible for accomplishing them. While there is no one-size-fits-all recovery plan, every business’ strategy should include some basics. Laying the groundwork by preparing to handle insurance claims, scouting viable options for temporary operations and considering the implications of various financial alternatives before trouble strikes can make the process of recovery much easier. The impacts from hazards can be reduced by investing in mitigation. If there is a potential for significant impacts, then creating a mitigation strategy should be a high priority.
Depending upon the details of the policy that you have selected for your business, commercial property insurance may cover damage or loss of the insured property, time element losses, loss mitigation costs, and loss adjustment expenses. It may also cover costs for public relations, research and development, and other necessities. When a disaster occurs, it is crucial to take the steps that will preserve and maximize your insurance coverage. To ensure that you receive all the benefits that your business is entitled to, familiarize yourself with the ins and outs of your policy before any problems arise. Work with your insurance company to create a checklist of your responsibilities after a loss to aid you in meeting deadlines and assembling documentation. Knowing what you are responsible for and being organized will make the recovery smoother and faster.
Making Your Claim
If your business is hit by disaster, set your recovery plan into motion by providing prompt notification of any claim to your insurance company. Be ready to meet any deadlines for filing proof of loss statements. If circumstances make the deadline for these statements unreasonable, get written approval for extensions. Be prepared to meet any requirements for preserving the evidence of your claim if destructive testing or immediate remediation is necessary. You will also want to record your loss mitigation efforts and the reasons that these efforts were needed.
Regardless of the cause of the catastrophe, a company's very survival often depends on responding quickly and efficiently, so a carefully constructed disaster recovery plan is one asset that every business needs.
Regardless of the cause of the catastrophe, a company’s very survival often depends on responding quickly and efficiently, so a carefully constructed disaster recovery plan is one asset that every business needs. SERVPRO of Pascagoula has a FREE customizable app that can aid your company recover in a timely manner.
Timing is critical in insurance claims. While keeping your insurance company informed is important, you need to understand any time limitations in your policy and their potential consequences. Review your policy to see if there is a deadline for electing a valuation method. See if there is a time limit for rebuilding or replacement. You will also want to check your policy for a suit limitation clause. Most policies contain one, so you will want to be sure that it is conservatively calendared to give you time to maneuver if necessary.
It is not surprising that cash flow is a primary concern for a business working to recover after a catastrophe. While it can take time for a claim to be settled, some insurance policies contain provisions for claim advances or partial payments. Search through your policy to see if these provisions are included and identify how you would invoke them.
A business impact analysis of your business before a disaster will plan and effectively get your business running smoothly again. Before anything bad happens, think about how your business could operate during the recovery phase. This may involve moving to a temporary location or finding storage for undamaged inventory or equipment, so it’s smart to be aware of the possibilities in your area. Make a note to analyze leasing and service contracts if you are forced to relocate so that you can try to tailor them to your business’s specific needs.
Regardless of where you set up shop after a catastrophe, you will have to decide what to do with your original location. Is rehabilitating or rebuilding the site worthwhile? If you believe that it is, then you will need to arrange for professional remediation, design and construction services. If you decide against rebuilding, then you must figure out how to dispose of that property and acquire a new permanent location. Remember that a new location will still require design and construction services in order to modify it to suit your company’s needs. Don’t forget to review zoning issues for any new property to verify that your business will be able to build appropriate facilities and operate as desired at that location.
Even with insurance, a recovery may require financing. Depending on your recovery plans, options might include a line of credit, an acquisition loan or a construction loan. In some situations, it may be possible to use legal actions to seek reimbursement from the party responsible for your loss. Weigh all the possibilities carefully and remember to consider the potential tax consequences. Understanding the pros and cons of your options before any problems start will make it easier to make smart decisions when a disaster hits.
When your business needs assistance dealing with the aftermath of a catastrophe, count on SERVPRO of Pascagoula; our professionals are prepared to respond, so when a significant event occurs, we be there for you. Whether it is damage from flooding, a fire, a tornado, a hurricane, an ice event or a snowstorm, we have the resources and expertise to help on the Coast.
Natural Disaster and your Business
Nobody want interruption to their business ever! Natural disasters can be terrifying. Especially if they affect your home or business, and those that depend on you. Although it’s scary to think about, there are a wide variety of different catastrophes that could strike your business, including floods, hurricanes, tornado, fires, and more. If one of these unfortunate events happens, you don’t want to find yourself unprepared! Discover the most important steps to take following a major disaster so you are able to recover quickly and safely.
1. Assess the Situation
As soon as the calamity has died down, check yourself and any family members to make sure no one is hurt. If you have any nearby neighbors, see if they are in need of any help. Turn off the gas and electricity in your home if it safe to do so, and avoid entering your home for a while, as there could be damage to your floors or ceilings that could cause them to collapse.
2. Finding Food and Shelter
If your business no longer has running water, you can obtain it through emergency sources, such as rainwater, your hot water tank, your toilet reservoir, or ice cube trays. Shelters are usually assembled by the American Red Cross in emergency situations for those whose homes are too damaged to stay in; look for one of these if you feel your home or business is dangerous. The Federal Emergency Management Agency, as well as local churches and community services, are also good resources for any needs you might have in these dire situations.
3. Be Cautious
Disasters always leave a trail of destruction behind; be wary of contaminated floodwaters, fallen power lines, or any criminals taking advantage of all the chaos. Don’t turn the gas back on in your home, as there could be a leak, and make sure your house is ventilated if you’re cooking over your fireplace.
4. Recovering Important Information
One of the last steps of disaster rehabilitation and recovery is to salvage as many of the important documents from the wreckage, such as your insurance policies, birth certificates, driver’s license, deeds, wills, financial statements, and any other precious information. Although these procedures might be difficult, it will help you and your family recover from this crisis as quickly as possible.
Call SERVPRO of Pascagoula with all Your Disaster Rehabilitation Needs!
If a disaster has affected your home, call SERVPRO for all your cleanup needs! Our disaster restoration services are available 24/7, 365 days per year; they include water and flood damage cleanup, mold remediation, odor control, reconstruction services, trauma cleanup, and fire and smoke damage cleanup. Don’t wait another moment if your home has been devastated! Call us today!
Let SERVPRO professionals help your business
SERVPRO specializes in water, fire, and mold remediation on all size commercial properties. We create value for your company by greatly decreasing the amount of time it takes to get your commercial residence back in business. SERVPRO knows how important it is to have a professional clean looking business, so when disaster strikes your commercial property you want well trained professionals to get your business back to normal and make it look "Like it never even happened." Our technicians have experience and knowledge to protect your assets while keeping your cost concerns in mind. SERVPRO strives to be fast and efficient to get you up and running in the quickest time possible.
SERVPRO of Pascagoula is on call 365 a year, 7 days a week, 24 hours a day. Make us your top priority after a disaster strikes your business.
Call us 228-4753473 or email us at sp8684@SERVPRObiloxi.com
The Weather is Not the Only Thing Hot During the Summer
Summer is a time to get out and have fun. The weather is not the only thing that heats up during these few months.
Be aware of the risk of fires and prepare by checking the batteries in your smoke detectors and having functioning fire extinguishers.
5,700 homes experience grill related fires every year. In fact, 57% of fires happen within four months; May, June, July, and August. Grill fires happen when someone mishandles the igniting of the grill with a spark or flame. Mechanical issues such as broken containers or pipes also can increase the risk of causing a fire.
For precautionary measures, before the startup of grilling season check your grills condition, clean it, check the drip pan, and anything else that could potentially have grease on it from previous cookouts. Inspect each part of your barbecue pit to make sure everything is attached properly. Also, be sure you are in a grill-friendly environment free of branches, roofs or any sort of overhang when igniting the grill. Be prepared for a fire, as grease and fat are likely to catch on fire. Keep baking soda near the grill in case a grease fire breakout. If you find yourself faced with a fire emergency, do not hesitate to call SERVPRO of Pascagoula at 228-475-3473
We will get to the Root when Dealing with Soot
After a fire is put out, property owners expect the need to replace any items that have burned. What many do not consider is the items that were not destroyed by the fire, but affected by the smoke. Smoke, the byproduct of materials burning, creates a lasting odor that is difficult to remove.
As smoke rises, it can seep into your walls, ceiling, and roof. Once the smoke fills your your attic or crawl space, it increases the likelihood of moving into your HVAC.
How SERVPRO Restores Your Property After A Fire
SERVPRO of Pascagoula is trained and has years of experience in removing and replacing insulation before your HVAC is affected. We get right to the root of the issue when dealing with smoke and soot. When we are on the job, we ensure that not only will your property be restored, but it is handled quickly before further damage ensues. Your job is to rest assured your odor problems are being taken of, and our job is to make it "Like it never even happened."
Service During and Be Safe After
- If told to evacuate, do so immediately. Do not drive around barricades.
- If sheltering during high winds, go to a FEMA safe room, ICC 500 storm shelter, or a small, interior, windowless room or hallway on the lowest floor that is not subject to flooding.
- If trapped in a building by flooding, go to the highest level of the building. Do not climb into a closed attic. You may become trapped by rising flood water.
- Listen for current emergency information and instructions.
- Use a generator or other gasoline-powered machinery outdoors ONLY and away from windows.
- Do not walk, swim, or drive through flood waters. Turn Around. Don’t Drown! Just six inches of fast-moving water can knock you down, and one foot of moving water can sweep your vehicle away.
- Stay off of bridges over fast-moving water.
Be Safe AFTER
- Listen to authorities for information and special instructions.
- Be careful during clean-up. Wear protective clothing and work with someone else.
- Do not touch electrical equipment if it is wet or if you are standing in water. If it is safe to do so, turn off electricity at the main breaker or fuse box to prevent electric shock.
- Avoid wading in flood water, which can contain dangerous debris. Underground or downed power lines can also electrically charge the water.
- Save phone calls for emergencies. Phone systems are often down or busy after a disaster. Use text messages or social media to communicate with family and friends.
- Document any property damage with photographs. Contact your insurance company for assistance.
Storm Damage Prevention Tips
SERVPRO knows that storms are not set to a specific schedule, that is why all SERVPRO franchises keep their doors open 24/7/365. We have the resources to handle any size disaster with a quicker response time than any of our competitors. Roof damage caused by thunderstorms is a major problem for homeowners, here are some tips to prevent roof damage to your home:
- Trim trees and remove dead branches so they will not damage your home if they fall because of wind.
- Clear gutters and downspouts of debris. As the leaves fall, make sure they are not building up in the gutters.
- Check for any roof damage. Pay attention to surface bubbles, areas with missing gravel on flat roofs, damaged or missing shingles or tiles on sloped roofs.
- Check the flashing on the roof to make sure it is in good condition to help prevent water from seeping through.
- If your rood needs replacing, consider impact-resistant roofing materials, especially if you live in an area where hail storms are common.
Remember SERVPRO is always here to help. Call your local SERVPRO storm response team at 228-475-3473 for all your storm remediation needs!
Water Damage Process
A lot of people may only have one major water loss in their lifetime. We have a proven process that will make it easy for all of our clients both commercial and residential.
- First hour: Within one hour of notification we will call and arrange for service. Help is on the way!
- The fourth hour: Within four hours of notification we will be on-site starting the mitigation process. With a quick response, it will save money and reduce the amount of damage done.
- Detailed explanation: A SERVPRO of mandarin Tech will explain the step-by-step process and the approximate time that it will take.
- Pretesting: This happens as we work from the source of the damage outward, pretesting for the ability to restore.
- The Eighth hour: Within eight hours we will have a full scope of service and communicate this to all materially interested parties.
- Cleaning & Restoration: We will work diligently to restore and get your property back to a preloss condition and taken care of correctly the first time.
- Final walk-through: Once all work is complete we will walk through with you to make sure you are satisfied.
Water Damage in your Insulation
There is a lot of confusion about insulation that’s been soaked or damaged by flood waters or leaky plumbing. Is it still a good insulating material? Does it breed mold and mildew? Will it eventually damage other structures such as drywall or tile floors?
Mold In the Aftermath of Storm Damage
Mold is a big deal and its removal is critical. It can be spotted in a variety of ways. Sometimes it discolors your ceiling or walls, or it shows up as black spots on areas throughout the home, or as rot on damp wood. If the insulation is replaced or thoroughly dry, it can’t harbor mold. But it’s easy to be confused about whether water-damaged insulation is safe to keep in place. A qualified mitigation company can use certain tools, such as a moisture meter, to detect whether the insulation within a wall is wet. Homeowners may have to resort to opening a wall to visually inspect the damage.
Insulation Is Made of Various Materials
Insulation is not just a cashmere lining for your home. It comes in a variety of different materials and is installed various ways.
For instance, there is fiberglass, cellulose, foam board, cotton, or spray foam. Each type of insulation must be treated differently after water damage. Some of these materials are organic and they make a fine breeding ground for mold.
There is also the risk of toxins in water-damaged insulation. Flood waters can carry potential toxins that remain in the insulation after the water recedes. It’s the nature of insulation that it retains moisture for a long time after the flood is gone.
Assessing and repairing water damage should take priority for homeowners who’ve been hit by a flood or storm. It’s not just a matter of aesthetics, though the odors and discolored walls and wallpaper are certainly unpleasant; it’s important to your family’s health and safety that the insulation is handled by expert hands.
Is the Insulation Worth Keeping?
We help the homeowner to analyze a multitude of issues concerning repair, salvage, construction, disposal, insurance and restoration. As for the question of replacement: Does water-damaged insulation necessarily need to be removed, with new materials installed throughout the home? This is not a question to be taken lightly. We can help you decide whether to remove and replace insulation after we’ve begun the job of assessing damage and drying out the entire structure.
Cleanup and restoration after water damage is a comprehensive job. It requires skills, tools and experience in a variety of disciplines. Few companies have the resources like those of SERVPRO of Pascagoula!
24 Hour Remediation Services
SERVPRO of Pascagoula is ready to answer the call 24/7/365!
As an independently owned business ourselves, we understand that business continuity is extremely important and that every hour lost is a customer and revenue lost. With our highly trained and certified technicians, we can prevent loses such as water damage and mold from being long-term problem for your business. With us being a 24-hour franchise, we have a flexible schedule to work around time strains you may have.
We have the experience and the technology needed to solve any problem. If your business or residence is damaged by water, fire, or any other force of mother nature, do not hesitate to call SERVPRO of Pascagoula at 228-475-3473!