Is Your Business Ready If Disaster Strikes?
Commercial insurance can cover a variety of areas and elements of your property
Whether you own or lease your business property in Sun City Summerlin, NV, your business needs protection from catastrophic loss. Commercial insurance protects your business assets from loss due to several events:
- Fire damage or explosion
- Water damage from storms, plumbing failure or firefighting efforts
- Theft and vandalism
- Natural disasters
- Other specified perils, such as earthquakes and floods
Read on to learn more about this type of insurance and how it works.
What Affects Your Premiums?
Unlike homeowners insurance, insurance premiums for commercial properties are usually a tax-deductible business expense. Your insurer will base your premiums on several factors:
• Construction – Are your premises and additions built with fireproof materials, as well as upgraded wiring and plumbing?
• Business use – A retail store or manufacturing company can have higher premiums than an office. Do you operate a hazardous business? Even sharing your premises with such a business can have the same effect.
• Location – Is it prone to storms, wildfires, high winds or other natural disasters?
• Protection – Are you near a fire hydrant or fire station? Does Sun City Summerlin, NV, have generally good fire protection? Does your building have a fire alarm, sprinkler system, or security system?
What Is Covered?
Commercial insurance can cover a variety of areas and elements of your property:
- The building itself, as well as exterior signs and additions
- Furniture and fixtures
- Business equipment and computers
- Manufacturing equipment
- Landscaping and fencing
- Business and tax records
- Property belonging to others
- Remediation costs such as cleaning and restoring fire damage
Land and foundation are not usually covered. Some high-valued items might need itemization in the policy at additional premium cost.
How Can You Keep the Process Quick and Painless?
Carefully document your property with photos and receipts. Read your policy carefully to be aware of exclusions, limitations of coverage, and deductibles. After experiencing a loss, keep receipts for cleanup and restoration services for smoke, water and fire damage, both to the structure and to its contents.
A disaster at your commercial property doesn't have to be an endless source of headaches. With planning, commercial insurance, and expert building restoration services, you are far more likely to make a disaster look “Like it never even happened.”
How-To Respond to Solar Panel Damage
Protect your solar panels from damage
A lot of work goes into improving the durability of solar panels with the goal of reducing the amount of panel damage that occurs during storms and extreme weather. Some of the work and testing includes
- Exposing panels to mechanical stress, extreme temperatures, humidity, and radiation and identifying areas of weakness
- Aiming ping-pong-ball-sized ice and firing it at 70 miles an hour at a single module to determine the most effective methods of manufacture
- Ongoing research into improving each element of the panels
- Seeking funding to continue research
Researchers and manufacturers alike are interested in providing top-quality results for consumers who hope to lower their dependence on other energy systems.
Common Sources of Trouble
If you have solar panels installed on your roof, there are several things you can do to protect them from damage. One of the first steps is identifying the most common types of damage, such as falling debris, hailstorms, water damage, loose wiring, heat fade, dirty panels, and a lack of maintenance. Responding to these sources of panel damage may also help you prevent a lot of roof damage. On the other hand, neglecting the panels could lead to extensive damages that require the assistance of home repair and reconstruction professionals.
Responding to Problems
Of course, you can cut back overhanging trees, protect the panels from scratches, regularly clean the panels, and inspect them for damage. Another way to prevent extensive harm is to purchase several smaller panels that can be replaced individually, rather than installing one or two large panels. Routine maintenance should include resealing panels and keeping a record of your system's performance.
Some issues should not be approached by anyone other than a professional. For example, if there are electrical problems, it's best to work with a qualified electrician. Some complicated damages, such as problems with the inverter, should be turned over to a solar contractor or technician.
Research Solar Energy Systems
Panel damage reduces the efficiency of your solar energy system. The more you know about common causes of trouble and how to respond, the better you'll be at handling problems at your Las Vegas, NV, home.
How To Spot Hidden Leaks
A leaking toilet can cause a lot of water damage in a short amount of time
A Few Ways to Keep a Close Watch on Your Commercial Property for Hidden Leaks
If you see water spraying out of the faucet in the break room, there's no denying that you have a water leak. While no one is glad to find a problem with the plumbing, obvious leaks are the easiest to identify and thus resolve. It's the hidden leaks that often end up causing the most damage because they can go undetected for a long time. Here are a few ways to keep a close watch on your commercial property in Summerlin, NV, for hidden leaks.
A pipe break underground can leak water for a while before you know there's a problem. Some signs to watch for include:
- Unusually large water bill
- Unexplained wet or swampy spots on the lawn
- Sewer odors
These signs are an indication that your plumbing is not only leaking but leaking badly enough to have reached the ground's surface. Call your plumber immediately to investigate and fix the problem.
Indoor damage, such as water spots on the ceiling or walls, means you probably have a broken pipe somewhere. If a pipe is leaking under the sink, you can see and repair that easily. If you have a water leak behind a wall or ceiling tiles, however, water restoration specialists will likely have to remove part of the wall or ceiling to stop the leak and repair the damage. Soggy drywall and insulation must be replaced to fully restore the area.
An overflowing toilet can cause a lot of water damage in a short amount of time, but you usually know exactly when it happens. If the leak is under the toilet or in the supply line, the problems may go undetected for a while. If the restroom is upstairs, the damage may extend to the floors below it. Have custodial staff check for excess water whenever they clean the restrooms to identify potential problems.
Sometimes a water leak is obvious, but often it is hidden from plain sight. When you know the signs to look for, you are more prepared to address issues.
5 Steps to Take if Your Home Has Been Damaged by Water
Water damage in Las Vegas, NV
5 Steps to Take if You Have Water Damage
While it is not pleasant, sometimes dealing with water damage in your Las Vegas, NV, home becomes a necessity. Whether it’s from a broken pipe, damaged appliances or severe weather, here are some steps that you should take if you find yourself in this situation.
1. Turn Off the Electricity
Depending on the amount of water in your home, as well as its location, it can be a good idea to turn off the electricity before proceeding further. Do not attempt to turn off individual devices and instead use the breaker to turn off power to the whole house.
2. File a Claim
Once you are in a safe location, you should contact your insurance agent to file a claim. Doing this as soon as possible will get the process moving more quickly and will reduce the chances that your claim is denied. If the water is the result of an accident, such as a broken pipe, it will likely be covered.
3. Call a Professional Service
Because water in home environments will cause more damage over time, it is important to contact an emergency restoration company to begin work immediately. They will inspect the building to determine the extent of the damage and necessary repairs.
4. Relocate Your Items
If there is flooding in your home, then you may want to move some of your items to a dry location. You should be sure to document any damage and take pictures before moving anything, however. This will help with your insurance claim.
5. Cleanup and Repairs
Once the restoration company has completed their assessment, they can begin work on your home. This will likely include removing excess water so the area can dry, sanitizing and cleaning your home and belongings and replacing or repairing damaged walls and flooring.
A broken pipe or other emergency may seem like a disaster, but there is no need to panic if you follow these steps. A restoration service can quickly get your home back to its previous condition.
5 Common Types of House Mold
Stachybotrys also known as black mold
Five Common Tips of Mold in Homes
If you’ve discovered mold in your home in City Summerlin, NV, you may wonder what species it is and whether or not you should be worried. All mold growth, no matter the type of mold, can be harmful to your home and may need to be addressed by a mold remediation specialist. Here are five common types of mold found in homes.
Often found on dead or live plant material, this type of mold lives both outside and in homes. It is often dark green, brown, or black in color. It grows on damp wallpaper, HVAC insulation, wet carpet, and acrylic painted walls.
While trichoderma is most commonly found in forests, wood, and soil, it can make its way into your home, especially where water damage has occurred. This type of mold can also be brought indoors via surfaces that come into contact with it outdoors before entering your home, such as clothing, shoes, and pets.
While some species of penicillium have done the world plenty of good by aiding in the treatment of bacterial infections, this fungus can be problematic if found in your home. You might find this mold species growing on your fruits and vegetables or living on your walls, carpets, or furniture. Penicillium is often easy to identify since it can be either yellow, green, or blue in color.
4. Stachybotrys Chartarum
More commonly known as black mold, mold growth from this type of fungus is often found in HVAC systems and other areas with consistent moisture. It can be either green or black in color and has an identifiable musty smell.
High humidity levels can cause this common type of mold to be found in your home. One type of Aspergillus, called Aspergillus fumigatus, is often found in pillows.
While these five types of mold are very common, there are many more species out there. Mold growth of any kind can be very serious, and you may need to have it taken care of immediately.
Do’s and Don’ts of Business Water Damage
Water Damage at a local Office in Las Vegas, NV. SERVPRO of Summerlin North/ Sun City was there to help mitigate the damage.
What should you do when water rises in your building and threatens to cause water damage? How do you tackle the problems that broken pipes bring, including the tremendous job of water cleanup? The better question may be “what should I never do?”
Things to keep in mind when floods hit your business:
- Don’t panic. Have a plan instead.
- Don’t use electricity in the area.
- Don’t wait to act.
- Don’t go it alone.
These are some actions that you should avoid, but what should you do instead?
Steps to prevent further water damage:
- Secure the Area
Your safety and the safety of those in your building should be your primary concern. If the flood is from a broken pipe, first shut off electricity to that area of your building to keep people from receiving an electric shock. Then, finish securing the area by stopping the water. You can do this either at the faucet itself or by turning off the main water to the business.
If the flood is from a rainstorm, get to higher ground and call for help. Always put your safety above the things in your building. The belongings can be replaced or restored; you are irreplaceable.
- Call for Help
Once it is safe to do so, call a professional restoration crew. These experts can restore the damage that water caused and get your life back to normal. Some such companies in Las Vegas, NV are open 24/7 to help, so there’s no reason to wait.
- Begin Cleanup
If the water came from broken pipes, you might not have to wait for the restoration crew to arrive to begin cleaning up. You can start removing porous materials and cleaning damaged belongings. The longer you wait, the more water damage can occur. If you’re not sure how to get started with water cleanup, ask the restoration company in Las Vegas, NV when you call.
Important Steps to Fire Restoration
Fire damage can often compromise windows, walls, and roofs
The thought of a fire raging through your Sun City Summerlin, NV, home can be enough to keep you up at night. When this bad dream because reality, you need to trust the professionals to help you put the pieces back together and rebuild. Though this experience is devastating, proper fire restoration can ease your burdens and get back on the road to recovery.
The Professional Difference
You should never consider hiring anyone less than the best when it comes to damage cleaning after a fire. A professional fire restoration team has what it takes to make this process as fast and smooth as possible. The pros will do the following:
- Coordinate efforts with your insurance company.
- Work diligently on a timeline.
- Use the latest and most proven techniques and equipment to do a thorough job.
Before the team can get to work on fire restoration, it has to assess the situation. The technicians will evaluate the scope of the job and will determine what steps they need to take. Once the team has a plan of attack, it will begin by removing water, drying wet places, and cleaning and sanitizing affected areas and items. Next, the team will board up and tarp exposed areas of the structure such as the roof, windows and doors. This won’t only help prevent further damage from the elements and other potential issues, but it will act as a security measure to keep vandals out.
Smoke damage and damage from the fire itself can require a complete rebuild in some cases. The restoration company will get to work on repairing destroyed areas of your home such as the drywall, flooring, the roof or other portions. The team will work as quickly and efficiently as it can so you can return to the comforts of home.
It’s critical to call in the right help for fire restoration. When you do, you can have as minimal disruption to your life as possible.
5 Behaviors and Traits of Successful Landlords
SERVPRO is a reliable and skilled company
Tips That Can Help a Property Holder Become a Thriving Landlord
Do you own rental property in Summerlin, NV? The idea of being a business owner in any real estate market can seem difficult, but here are some landlord tips that can help a frazzled property holder become a thriving landlord.
1. Know who to call. Watching online video tutorials or hiring a stranger from the classified ads can be the wrong way to save money on important repairs. Issues with plumbing should be addressed by a licensed professional with experience in commercial plumbing. Hiring skilled and reliable professionals to service your property can prevent the loss of revenue on faulty repairs and unqualified laborers.
2. Educate yourself. Landlording requires knowing local, state and federal laws and regulations. Understanding the required standards for your property can help you to stay out of legal trouble, and doing so allows you to financially prepare for the costs of upkeep.
3. Always be proactive. A leak in the roof or a burst pipe in the plumbing can cause extensive flood damage. Keeping your property in good condition may help avoid large, costly complications that can burden you and inconvenience your renters. Inspections and routine maintenance should be a priority so minor issues don’t become major expenses.
4. Don’t go with your gut. A good renter cannot be identified based on first impressions; therefore, you need to have a screening process. Background checks, credit reports and previous landlord contacts are ways to make certain you know who is signing the lease. Finding a great tenant through vetting helps guarantee the rent is paid on time.
5. Communicate clearly. Direct communication with tenants is vital. Establish a clear protocol so renters know how to contact you. Create clear boundaries regarding what issues warrant contact, as well as how you prioritize repairs and maintenance.
In order to be a successful landlord, you need to be mindful of your actions and priorities. Do not throw away money on the electrical work or plumbing repairs by hiring amateur handymen. Educate yourself regarding the law, and on how to keep your property in excellent condition. Be selective about who you rent to, and communicate well with your tenants.
Driving Tips During a Flood
When a bad storm hits Las Vegas, NV floodwaters can rise in no time.
When a bad storm hits Las Vegas, NV floodwaters can rise in no time. Rather than barrel down your flooded street, you should take a few precautions when there is a lot of water on the road. Here are some tips on staying safe if you must drive after a heavy storm.
Steer Clear of Standing Water
Many drivers tend to ignore travel tips and get overconfident when flash floods occur. They expect that standing water is harmless. The truth is that there can be many unseen hazards beneath the surface:
- Branches or other debris
- Potholes or washed out pavement
- Moving water
It is unlikely that you are able to discern how safe it is to drive through water when you can’t see to the bottom of it. Even a few inches can stall your vehicle or even move it off the road. Flood damage experts recommend that you find an alternate route or just wait until the water has a chance to drain.
A flooded street is not a racetrack. Even if the water is shallow enough to navigate, you still need to reduce your speed so that you don’t stall your vehicle or hydroplane. If your tires cause water to fan out to the side, you are probably going too fast to be safe.
Don’t Use Others as a Gauge
Just because other drivers make it through flooded roads, that doesn’t mean you should try it. Flood conditions change rapidly. The car in front of you could have inadvertently knocked some debris into your path that will tear up your vehicle. Rely on your own good judgment rather than the whims of other people.
A flooded street is not meant to be a challenge. When in doubt, it is better to turn around and go back the way you came than try to rush through standing water. Safety should always come first.
Is Category 3 the Worst Water Damage?
Category Three water may contain biohazards that pose health risks to humans and animals.
The categories of water damage used by restoration professionals refer to the degree of contamination, not the level of damage. Category Three flood water is highly contaminated and calls for the most extensive cleaning and disinfection measures. Find out more about Category Three black water and how it differs from Category One and Category Two damage.
Category Three water is more contaminated than Category Two gray water or clean Category One water. Black water may contain a variety of contaminants:
- Dirt and debris
- Solid waste
This category of damage is used to describe flood water and water that originates from a toilet overflow or sewer backup. It is crucial to clean and disinfect any areas, materials or contents of a building that are exposed to Category Three water.
Bacteria and Mold Risks
Category Three water may contain biohazards that pose health risks to humans and animals. The combination of organic materials and moisture that this type of water damage introduces to a structure can rapidly increase the risk of mold growth. It is important to thoroughly clean, disinfect and dry damaged areas, building materials and content to reduce these risks.
Effects on Materials and Contents
Porous building materials and contents that cannot be thoroughly disinfected should be discarded during mitigation and replaced as part of the restoration process. These materials and contents may include any of the following:
It is safer to dispose of these materials than to attempt disinfection. If these materials or contents remain in place, they can increase the likelihood of mold growth or raise health risks.
Due to the level of contamination in Category Three water, it is necessary to work quickly to extract flood water and disinfect the affected area. Building owners can depend on the expertise and equipment of water damage restoration professionals in Las Vegas, NV.