Why Do Insurers Prefer To Work With Certain Vendors?
An Insurance agent or restoration professional based in Folcroft, PA, it can be worthwhile to work with a franchise that is part of a national network
Why Do Insurers Prefer Certain Vendors To Work With?
Insurance companies tend to rely on the same vendors to do restoration work. An insurance agent can connect with restoration professionals who are qualified, proven, trusted, and verified. Learn more about a few reasons why it is worthwhile for restoration franchises to comply with the 21 requirements of the National Account Participation Agreement.
Preferred Vendors are Proven and Trusted
One of the main reasons why insurers prefer certain vendors is that they get the job done right the first time, every time. Here are a few reasons insurance companies appreciate working with franchisees that meet the terms of the SERVPRO National Account Participation Agreement:
- High standards for restoration work
- Regular employee background checks
- Transparent pricing
An insurance agent can appreciate the high standards that a major restoration company maintains across franchise locations. Rather than relying on limited information and dubious guarantees from independent service providers, a national franchise can guarantee the highest level of service.
Vendor Program Participation Agreements
A restoration franchise must meet 21 requirements in order to participate in a national referral program and work on insurance claims. This voluntary compliance measure opens up a regional franchise to more clients and preferred vendor status.
Preferred Vendors Make Accurate Estimates
The main reason insurers prefer some vendors over others is that skilled restoration firms excel at the task. From making estimates that account for the full extent of damage to staying on schedule to limit temporary displacement or business disruption, insurance representatives and policyholders both stand to benefit from using a preferred restoration vendor.
Whether you are an insurance agent or restoration professional based in Folcroft, PA, it can be worthwhile to work with a franchise that is part of a national network. Insurers rely on preferred vendors to complete mitigation, cleanup, and restoration work on budget and on schedule.
4 Benefits of Window Shutters
Board up your windows in your Collingdale, PA home. This could avoid moisture from slanting rain out of windows and prevent them from cracking.
Window Shutters Have 4 Advantages
Protecting your home in Collingdale, PA, from damages caused by high winds can take a few different forms. The most logical and permanent protection involves a durable siding such as professionally installed vinyl or aluminum siding or, even better, a brick facade. The next step is to look for window protection, and this could come in the form of shutters, which have the ability to improve your home in several ways.
1. Nice Looks
With many different styles to choose from—paneled, louvered, board and batten, and Bermuda— a window covering on the exterior of your home can add a certain appeal and even improve property values. You can choose from a variety of materials such as cedar, basswood, vinyl, and faux wood.
2. High Winds Protection
If you are worried about storms, it doesn't hurt to put up a covering over your windows. This could prevent windows from cracking and it might even keep out moisture from slanting rain. Storm shutters offer powerful protection from extreme weather.
You probably don't want people peering into your home, so putting a solid covering over the windows can only enhance your level of privacy. This creates a cozy feel for your castle even on the stormiest nights.
4. Energy Efficiency
A shutter system over your windows is a good way to control the cold coming into your home and the heat leaving your home in the cold months, and vice versa in the warm months. This also allows you to control the solar radiation coming into your abode, which can make a big difference in your comfort level.
Storm protection takes on many guises, but if your home is impacted by wet weather be sure to reach out to a professional storm mitigation team. Highly-trained technicians can take care of water damage and restore your home to its original condition, even after high winds have come through.
How To Cover Commercial Flood Damage Costs
Flood insurance is especially helpful for property owners located within the flood zones indicated on FEMA maps.
How To Cover Flood Damage Costs In A Commercial Setting
Commercial building owners frequently fail to plan ahead for flooding. General commercial insurance policies that cover property damage often exclude floods and sewer backups.
Additional coverage through a supplementary policy or rider is necessary to cover damage resulting from these incidents at properties in Darby Township, PA.
Maintain Flood Insurance
The expenses of cleaning up flood damage and replacing property destroyed by contaminated water can rapidly rise to thousands of dollars. Any of the following measures may need to be taken:
- Extracting standing water
- Tearing out damaged materials
- Cleaning and disinfecting
Damage caused by flood water is excluded from most primary commercial property policies. It is necessary to have a separate flood policy through the FEMA-related National Flood Insurance Program or arrange with a private insurer to cover the cost of flood cleanup.
Carry Interruption Coverage
Neither general commercial insurance nor flood insurance policies will cover ongoing expenses or offset revenue lost during the period after a flood in which businesses may not be able to operate. An interruption insurance endorsement, rider or an additional policy may be necessary to keep affected operations afloat.
Make a Flood Claim
In the event that flooding damages a building, a property owner should make a flood claim. It is important to note that the NFIP typically has a 30-day waiting period for policies to go into effect. For this reason, it is a good idea to get flood insurance for a commercial property in an area that has an elevated risk of flooding sooner rather than later.
Building owners may want to obtain coverage through the NFIP or private insurers. Flood insurance is particularly helpful for owners of properties located within flood zones indicated on FEMA maps of Darby Township, PA. General commercial insurance property policies are also crucial. Supplementary sewer damage coverage can also help to ensure water damage from any source is covered.
How To Keep Your Business Secure After a Fire
It can be difficult to deal with a building fire. Fortunately, there are a few steps you can take to secure your company's location.
How To Keep Your Company Safe After A Fire
One thing that no business owner wants to think about is their business catching on fire. However, you want to prepare effectively in the unfortunate event that your workplace succumbs to fire damage.
As well as knowing what to do during a fire, you have to consider what to do afterward. Dealing with a building fire in Folcroft, PA, can be difficult. Fortunately, you can take a few steps to secure your company location.
1. Board Up Openings in Your Building To Prevent Looting
Many openings throughout your building will likely appear after a major fire. These openings subject your property to theft, which is the last thing you want to experience after a building fire. Be sure to cover any gaps that people could enter through as soon as it is safe to do so.
2. Notify Law Enforcement
After a fire, you should notify local police immediately. Law enforcement will act in conjunction with boarding up to protect everything in your establishment from theft and vandalism in the event of fire damage.
3. Shut Off All Utilities
Immediately call your utility providers to stop service to your establishment temporarily. By canceling your utilities, you can save yourself from continually paying for utilities and protect your building from suffering additional electrical and water damage.
4. Take Pictures of Everything Before Cleaning Up
Protect your financial security and avoid extra hassle with the insurance company by photographing every aspect of your building before beginning the fire cleanup process. Taking this extra step can help you get additional compensation from the insurance company for covering professional fire restoration services.
Hopefully, you will never have to endure the experience of your building experiencing fire damage. If you do, however, it is essential to know the proper steps to ensure your security in Folcroft, PA.
Essential Tips To Prevent Business Fires
One of the leading causes of office fires is electrical malfunctions, but these can be prevented with heightened awareness and appropriate action.
Tips For Preventing Business Fires.
An unexpected fire can be disastrous for any business, especially if you are not adequately prepared for one. Reduce your risk of emergency and keep your Collingdale, PA, business safe with these essential tips for fire prevention and damage reduction.
Stock Up On Business Fire Essentials
No matter what type of commercial space you're dealing with, never overlook stocking it with the necessary fire safety equipment. The right equipment can extinguish small fires before they develop into damaging conflagrations and reduce overall fire damage, which if severe enough, requires professional building restoration services. Having proper safety equipment can speed up the emergency response time as well.
Invest in keeping the following in your building at all times:
- Fire extinguishers, at least one per floor
- Smoke detectors
- Fire alarm system to notify personnel to evacuate in case a fire does break out
- Automated ceiling sprinklers
Determine Potential Causes
Fire prevention doesn't stop with having smoke alarms and fire extinguishers. It requires being consistently proactive in keeping the office space safe. Consider every factor that may lead to combustion, from electrical wiring to the use of flammable liquids or even a stray cigarette.
Once you've determined all potential causes, establish protocols to reduce the chance of flames breaking out. This may include replacing wiring, storing liquids in safe spaces and creating a designated smoking area with proper receptacles.
Be Aware of All Things Electric
One of the leading causes of office fires is electrical malfunctions, but these can be prevented with heightened awareness and appropriate action. Be mindful of the electronic and electrical equipment in your surroundings and note any hazards you see, such as a damaged outlet or an overheated appliance. Noticing these concerns early and taking measures to fix them can lower the risk of an electrical fire.
Don't let your business go up smoke by ignoring these important fire prevention measures. Protect your space with the proper emergency equipment, be attentive to electrical hazards and identify solutions for all potential causes.
3 Steps to Take in Case of a Leak
If your building has water damage from an active leak, contact your local SERVPRO to help.
Three Steps To Take In The Event Of A Leak
Water damage from broken pipes can mean costly repairs for business owners in Sharon Hill, PA. Some leaks can go unnoticed for months before they become visible on walls or ceilings. Leaks can be caused by:
- Broken pipes
- Broken water heaters
- Loose water supply lines
Business owners should know what steps to take in case of a leak to prevent worse damage from developing on their property. Here are 3 steps to take in case of a leak.
1. Stop the Leak
The first action you should take is to locate the leak. This will help you identify the type of water you will be cleaning and the repairs you will need. When you know the source, shut off the main water supply line to stop water from leaking into the building. Empty the plumbing system of the remaining water by opening as many faucets as possible.
2. Clean Up As Much of the Water As Possible
Before you sop up the water, make sure it is safe for you to handle this job. Some leaks are sourced from toxic wastewater and should be handled by professionals. If it is safe, clean the water with any towels or rags you have on hand. A water vacuum is a handy tool for leaks and floods from damaged pipes. Water cleanup will prevent damage to floors and walls.
3. Contact Your Insurance Company
Most insurance companies will cover water damage from a broken pipe. Contact your insurance company before settling on fixing water damages yourself. Making a list of local companies that help with cleanup and repairs is helpful for quick response in emergency water situations. SERVPRO is a preferred vendor for many insurance companies and will aid in water cleanup and restoration of your property.
If your building has water damage from an active leak, contact your local SERVPRO to help. Business owners in Sharon Hill, PA, can prevent panic in a water damage emergency by being prepared and knowing their cleanup and restoration options.
Getting Ready for the Insurance Adjuster
Because water damage occurs unexpectedly, it's a good idea to be prepared ahead of time so you aren't hit with a big bill if the worst happens.
Preparing For The Insurance Adjuster
When your home in Collingdale, PA, has sustained water damage, it can be overwhelming to process what happened and know what to do next. However, as soon as you have a handle on the extent of the damage, it's important to place a claim with your insurance company as quickly as possible. Soon after you file your claim, a home adjuster should be sent out to assess the damage and file a report.
While you're waiting for the adjuster's visit, here are a few tips to help the claims process go smoothly:
Know What To Ask Your Agent
Have your questions written down before calling your insurance company and be sure to ask:
- When to expect the visit from the adjuster
- What receipts you need to provide
- What the deadline is for filing
- What your deductible is
- Whether your policy covers the damage you incurred
- How long it will take to process your insurance claim
Itemize the Damage Thoroughly
Create your own "damage report." In addition to writing out a detailed list, photograph and videotape the overall damage and the damage to each item on your list. If you've saved receipts, collect them and make copies to give to the home adjuster, or if you don't have them, research the current replacement costs for what's been damaged. Get written estimates for repairs and include that along with everything else.
Act Quickly To Repair Damages
If your repairs require expertise not in your skillset, call in the appropriate contractors to begin the work as soon as possible. In many cases, your best option is to hire a water damage remediation service to address everything from the initial cleanup to preventing further damage in the future. Even better, these professionals can work with your insurance company to help speed along the claims process.
If you don't already have it, ask your home adjuster or agent whether you can add a flood insurance rider to your policy. Because water damage occurs unexpectedly, it's a good idea to be prepared ahead of time so you aren't hit with a big bill if the worst happens.
3 Commercial Liability Risks Associated With Mold
Call SERVPRO to help you with the proper mold remediation by using specified equipment and antimicrobial chemicals to prevent any more growth.
Mold Poses Three Commercial Liability Risks
If you own or manage a commercial building or multifamily dwelling, you may want to know more about your potential liability for mold. Structures with numerous occupants who could be exposed to black mold or any other species have different levels of liability based on usage. Here are three potential liability risks that could be relevant for a building located in Essington, PA.
1. Failure To Inspect and Address the Problem
A landlord who refuses to respond to tenant reports of water damage or mold in a timely manner may be held liable for mold damage and exposure. Multifamily residential buildings often have more implications in terms of liability than commercial leases. The terms of a commercial property lease may assign liability for water damage caused by fixtures or structural systems and any secondary mold damage.
2. Negligence In Property Maintenance
Failure on the part of a building owner or manager to maintain a property may increase liability. Depending on the terms of a lease, structural systems such as plumbing may be the responsibility of owners, whereas lessees may be liable for damage inside a property.
3. Refusal To Remediate Mold Damage
Visible mold or hidden growth discovered during an independent inspection could be held against a property owner who refuses to pay for mold remediation. The degree of liability depends on the extent of an infestation and the type of fungus. Mold that has spread throughout a structure or a toxigenic black mold infestation may prove more costly.
As soon as a commercial or residential tenant reports water damage at a building in Essington, PA, building maintenance should respond in a timely manner. Mold may start growing within just 48 to 72 hours after moisture levels rise. A lack of response and general negligence may make a property owner more liable for black mold or other potentially harmful fungus.
The 3 Most Important Parts of a Business Continuity Plan
Business owners must have a plan in place to resume operations as soon as possible following a major storm or an on-site disaster.
The Three Most Critical Elements Of A Business Continuity Plan
Planning for the unexpected always poses challenges. A plan to resume business as soon as possible after a major storm or an on-site disaster is essential for business owners. Learn more about the three most important parts of a continuity plan for a business operating in Collingdale, PA.
1. A Business Impact Analysis
Analyzing business impact is an attempt to account for the effects of a shutdown caused by a disaster or emergency. Closure due to flooding may be a practical scenario for a business located in an area with a high flood risk. A BIA should account for the event, its effects on business activity, potential losses and timeframes for recovery.
2. An Implementation Checklist
In addition to the calculations that inform a continuity plan, it is also important for business owners to make a checklist for implementation. In the event of a disaster, the measures that should be taken may be less obvious than they were while planning ahead for eventualities. A checklist of measures to take for each type of damage along with current contact information for your insurer and preferred restoration service can be helpful.
3. A Recovery Strategy
A business should consider whether it is possible to operate off-site in the event of a fire or localized disaster. Incidents that also affect customers and suppliers such as major storm damage may have a different timeline and set of expectations. It can be helpful to account for as many contingencies as possible, as plans may be useful even if they do not completely predict adverse conditions.
Making a continuity plan grants business owners and stakeholders a good opportunity to assess every element of operations. Calculating the impact that an interruption could have on a business over days or weeks is helpful for obtaining business interruption insurance to offset lost revenue and helping management plan ahead for any eventuality.
4 Ways To Prepare Your Business To Weather an Intense Storm
Flood water, harsh winds and rain can harm your establishment. Get ahead of trouble by having a plan and taking action to minimize issues.
4 Ways To Prepare Your Business For A Severe Storm
The weather report calls for severe storms, and as the day passes, the impending system appears worse than expected. What should a proprietor do? Are there actions to take to ward off problems? After all, if a significant weather system passes through Sharon Hill, PA, your business could be impacted by tornadoes, flood water, intense wind speeds and hail.
These conditions prove destructive for properties. Business owners should understand how to get ready for the storm and restore the premises once it passes.
1. Create a Disaster Preparedness Plan
A flooded building proves chaotic. Get organized. With other team members, put together a notebook of safety procedures. Within the documents, have copies of insurance policies, the number for a water restoration company and instructions on safeguarding the premises and employees. Designate points of contact.
Also, gather and store the following supplies within a back room:
- A battery-operated weather radio
- First aid kit
- Extra batters
- Water bottles
- Non-perishable snacks
2. Move Valuables to Higher Levels
If flood water breaches the walls, valuables and structures become contaminated and ruined, some of which may not be salvageable. Protect your property by moving important items up off the ground.
3. Create Flood Barriers
Use sandbags around the perimeter to reduce water penetration. It's best to have them on hand for a prompt response. Begin in low-lying sections, placing plastic sheeting down first. Then, stack the bags as if laying down bricks, with one slightly overlapping the other.
4. Store Electronic Data
If electronics sustain water damage, saved data is likely lost. Take the time to save your critical emails, documents and invoices to the cloud and a hard drive. It's better to have it in multiple places.
Flood water and harsh winds and rain can harm your establishment. Get ahead of trouble by having a plan and taking action to minimize issues. This effort could save remediation time and reduce repair costs.