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Commercial Insurance Policies

7/2/2020 (Permalink)

commercial insurance If your business suffers a covered loss, commercial insurance can help pay for the damages

There are a variety of losses your Egg Harbor Twp, NJ, business may experience. Fortunately, commercial insurance can help you recover financially.

Coverage

Every policy is different, so it is important to speak with your insurance agent to make sure you fully understand the policy limits and what is and is not covered. The following are some things that may be covered under a typical property insurance policy:

  • building structures
  • inventory
  • equipment and supplies

It is also important to know what losses are covered under the policy. For example, fire damage may be covered in all cases except arson. Be sure to speak with your agent to see if you need to purchase other policies or add-ons for potential losses.

Premiums
Commercial insurance can be one of the largest expenses a business incurs. Fortunately, the premiums are tax-deductible. There are many factors that affect the cost of a property insurance policy. The nature and location of the business can both affect the rating. It may be possible to lower premiums by using fire-resistant building materials, installing a fire sprinkler system, or taking other risk-reduction measures.

Filing a Claim
Ideally, you will never need to file a claim with your property insurance. However, it is best to be prepared. Before any damage occurs, make a list of all the insured items along with their purchase price and date. Take pictures or videos of the building and all insured property in its normal condition. Keep the list and photos updated. This can help the insurance company determine the replacement value of the items after a loss. Additionally, be sure to take photo or video evidence of the damage before you begin repairs. If possible, wait for an adjuster to visit the site. Keep all receipts related to repairs and replacements so that you can be fully reimbursed.
If your business suffers a covered loss, commercial insurance can help pay for the damages. If you need help restoring the property to its preloss condition, an experienced restoration company can get your business back to normal quickly and safely.

Gas Range Maintenance for Fire Prevention

6/9/2020 (Permalink)

Gas Range Maintenance for Fire Prevention

If you have a gas range in your Scullville, NJ, home, you may be well aware that the burned utilities an open flame. This means that there may be a fire risk with using the stove. Fortunately, there are are a few safety steps you can take to mitigate this risk. Here’s what you should know.

1. Keep the Range Clean

It’s important to keep the stove clean in order to prevent any build-up of grease or food particles that could become flammable and start a fire. Many manufacturers recommend using range cleaning products designed for your stove. Hot water with de-greasing soap may also work. Be sure to remove any grating and clean thoroughly under it, as well as check the burner plates for any build-up. Ensure everything is correctly replaced before using the stove again.

2. Check That the Burners are Off

It’s a good idea to always ensure that the burners are turned completely off when you're done cooking on a gas range. This will prevent the leaking of any gas that could quickly light on fire with a small spark. The controls on the range should be clearly labeled for any on and off positions.

3. Prevent Clutter Around the Stove

It’s a good idea to prevent clutter around the stove. Keep the counters clean, and remove items such as paper towels, or pot holders from the area to prevent them from getting knocked into a burner. If a fire does start use a fire extinguisher or call the fire department. Afterward, a local fire damage restoration service can help with repairs and smoke smell removal.

If you have a gas range in your home, it’s important to take some safety steps to prevent a fire. Keep your stove clean, check that the burners are turned off when the stove is not in use, and keep the surrounding area free of clutter. Remember, if a fire does occur a restoration service can help.

3 Reasons to Choose a Certified Restoration Company

6/9/2020 (Permalink)

Technicians wearing protective gear Our certified technicians follow all guidelines as provided by the CDC and local authorities

Three Reasons To Choose A Company That Is Certified By The IICRC

When your Longport, NJ, business is hit by disaster, it can be hard to know where to begin to restore safe operations. Fortunately, there are professional restoration companies that have the knowledge, skills, and training to safely and successfully restore your building. There are some restoration companies that have more experience and knowledge than others. Here are three reasons to choose a company that is certified by the Institute of Inspection Cleaning and Restoration Certification (IICRC).

1. Industry Leader
Most individuals are unfamiliar with the processes behind safely restoring a building after emergency disasters such as floods, storms, fire, and mold. It’s simply not enough to wipe everything down and call it a day. There are specific standards and protocols that need to be followed to ensure that the building and belongings are safe again. SERVPRO is recognized as an industry leader due to their professional training and mitigation certificate.

2. Third-Party Certification
Not all certifications are equal in terms of quality. It’s one thing to be certified by your own company and another to be certified by a third-party agency. You can find comfort in knowing that SERVPRO professionals have received superior training and certification from the IICRC. This means there are no biases or loopholes and that your business will be receiving quality restoration.

3. Superior Restoration
Because all SERVPRO employees are highly trained and certified, your Longport, NJ, business will be restored efficiently, safely, and using the latest techniques and equipment available in the industry. Emergency disasters can be catastrophic; however, working with certified professionals will minimize potential damage and loss. It’s critical that your disaster is responded to within hours and SERVPRO is Faster to Any Size Disaster. Your business will benefit from quick response time. SERVPRO is also a preferred vendor for many insurance agencies which will make the claims process much smoother.
Choose a restoration company that holds a certificate from the IICRC. Working with trained professionals will save you time, money, and stress.

4 Crucial Things To Do When You Have a Leaking Pipe

5/23/2020 (Permalink)

Leakage Of Water From Stainless Steel Pipe On Gray Background Leaking pipe in a Cardiff, NJ home

4 Crucial Things To Do When You Have a Leaking Pipe

When a flood happens in your home in Cardiff, NJ, you may have to juggle a few important things for a couple of days. The first order of business is to stop the leak. The more water that comes into your home the bigger the problem will be. It will take longer to fix and more damage will result. Here are four things you should concentrate on in the hours after a problem is discovered.

1. Fix Broken Pipe. It may be necessary to call in a plumbing contractor to completely fix the problem. In the meantime you can turn the water off to the line that is broken. You should also make sure the scene is safe for everyone in your home. Depending on how big the flood of water is, you may need to evacuate the property.

2. Contact Professionals. The services of a reputable water mitigation company can be helpful at a time like this. The company will employ trained and certified technicians and the latest technology to rid your home of water in an efficient manner. Specialized methods will dry out soaked areas of the home and lower the humidity in the home to healthy levels. These actions will prevent additional damage and protect against the possibility of mold growth.

3. Call Insurance. Your insurance agent can let you know what will be covered. Most homeowners' policies cover the sudden damage caused by a broken pipe or a malfunctioning appliance. Insurance coverage claims can be rejected, though, if the damage is caused gradually by a leak that went on for weeks or longer.

4. Keep Vigilant. When the work is finished on your home, make sure it is done to your satisfaction. No bad odors should remain. The leaky pipe should be completely repaired. The home should be fully restored to its condition before the flood. Water damage should be a thing of the past.

The Sewer Damage Cleanup Process

5/7/2020 (Permalink)

Sewer water on the floor Sewer backup in Pleasantville, NJ

The Sewer Damage Cleanup Process

Sewer backup in Pleasantville, NJ, is a dreaded disaster that doesn't happen often, but when it does happen, it can leave your business with costly damage and clean up. Your insurance should cover most of the costs associated with mitigation and cleanup. Because cleanup is hazardous, it should never be attempted by you or anyone else who is not properly licensed.

Prior to Clean Up
Once the disaster has occurred, empty the building of any employees and customers and don't allow anyone, including yourself back inside the premises. There are numerous health hazards associated with sewer backup. Even a flooded toilet can pose health risks as bacteria and illness-causing microbes to collect on flooring, baseboards, and walls. This poses an especially dangerous risk as it mixes with your electric systems. Call your utility companies and have them shut off your power, water, and gas.

The Job of the Restoration Company
The restoration company will enter the premises wearing protective gear certified for this type of work. Once the restoration company assesses the damage, they will seal off any clean areas so sewage doesn't contaminate any rooms other than the identified disaster location.
Removing the sewage water quickly to avoid further damage will be their primary concern. This will be achieved with a pump if the damage is widespread. Any solid waste will be disposed of in industrial strength plastic bags.
Salvageable items, equipment, and sub-flooring will be disinfected while carpeting, insulation, and wall panelings will be disposed of in safe manner. The company will speed of the drying time by opening windows and using fans to avoid dangerous mold growth. Once the cleanup is dry, restoration can begin to take place.
Mishaps are stressful, but the damage can be repaired. Sewer cleanup requires equipment and cleansers specialists have been trained and certified to use. Having good insurance is important, and having a reputable restoration company is vital.

What Conditions Could Lead to a Mold Lawsuit?

5/7/2020 (Permalink)

Mold growth on the corner of a wall Mold damage in Cardiff, NJ

What Conditions Could Lead to a Mold Lawsuit?

Legal liability for mold in a rented commercial property depends on the terms of the lease. As most commercial property insurance policies exclude mold insurance claims, remediation can be costly. Here are a few scenarios that could lead to a mold lawsuit along with tips for limiting liability.

Ineffective Water Damage Response
Mold may start to grow after any type of water damage if timely measures are not taken to extract, clean, and restore the affected area. The following factors increase the likelihood of secondary mold damage:

  • Water left standing for more than 48 hours
  • Failure to disinfect contaminated areas
  • Residual moisture or high humidity levels

Tenants could be responsible for mold caused by water damage that was not reported in a timely manner. The owner of a building should respond quickly and identify who is responsible for cleanup based on the terms of the lease.

Mold Due To Structural Defects
The cause of water damage that leads to a mold problem may be relevant for determining legal liability. Building owners are more likely to bear the responsibility for mold due to construction defects or other pre-existing structural problems. Owners who are unwilling to pay for mold testing and remediation out of pocket or by making mold insurance claims could be served with a lawsuit.

Non-Compliance With Lease Terms
Any party who does not comply with the terms of a lease regarding water damage and mold remediation could get sued. Owners and tenants should review these terms and consider whether additional insurance coverage for making a mold claim may help to avoid litigation.
A commercial lease should clearly identify the responsibilities of property owners and tenants for restoring water damage at a building in Cardiff, NJ. Adding a mold endorsement to a property policy may make it possible for property owners to file mold insurance claims to cover cleanup costs.

How Does Flooding Affect Road Safety?

4/26/2020 (Permalink)

Pickup truck on a flooded street If driving is necessary after a flood in Somers Point, NJ, seek travel tips for alternate routes

Threats to Vehicles and Personal Safety Posed by Floodwater

After a flood in Somers Point, NJ, the depth of standing water on roads will determine the risk level for driving. It is difficult to assess a flooded street from behind the wheel, and attempting to survey the situation on foot can be even more dangerous. Find out more about the threats to vehicles and personal safety posed by floodwater.

Loss of Traction

Driving on a road submerged under six inches of water can cause loss of traction. If a vehicle starts to hydroplane, the driver should take the following measures:

  • Steer into the direction of the skid
  • Apply gradual pressure to the brakes
  • Steer carefully after regaining traction

If it is difficult to regain traction, a road is not safe for driving. Turn around if possible and look for a clear route.

Getting Carried Away
A flooded street can cause a vehicle to float and moving water could carry away vehicles. Most cars are at risk of moving downstream in just one foot of water, while two feet of water can move SUVs and trucks. Flooded roads are not safe for travel. In the event of severe flooding, residents may also require storm damage restoration at home.

Hydrolocking
More than two feet of standing water also poses a risk of hydrolocking. The engine of a vehicle will stop running if water penetrates the combustion chamber. A stalled vehicle cannot be controlled and could pose a drowning risk. The driver and passengers should evacuate immediately and exercise caution. Even a few inches of moving water can increase the risk of slipping and falling on foot.
From loss of traction to floating and the risk of hydrolocking, it is a good idea to avoid driving on any flooded street. If driving is necessary after a flood in Somers Point, NJ, seek travel tips for alternate routes across higher ground that have better drainage.

3 Reasons To Fence Off a Commercial Property After a Fire

4/16/2020 (Permalink)

Private property in the forest angle shot Security fencing in Margate, NJ

Three Reasons To Fence Off A Fire-Damaged Structure

One of the first steps toward fixing fire damage is putting up security fencing. Owners of businesses and commercial buildings may have an easier time settling insurance claims if a security fence is installed as soon as possible after flames have been extinguished. This barrier should remain in place until damage is restored. Here are three reasons to fence off a fire-damaged structure in Margate, NJ.

1. Restrict Access
Any unauthorized access to a commercial property that has suffered a fire poses a liability risk. In the event of a total loss, individuals may run a heightened risk of injury caused by damaged building materials or contents. Restoring a partial loss can be more difficult if soot is ground into carpeting or smoke damage to other materials is intensified by unnecessary traffic.

2. Prevent Further Damage
Commercial property insurance covers most fire damage as well as water damage that results from fire suppression. Additional damage caused by trespassers is not a covered peril. It may be easier to settle a claim and cover the cost of restoring damage by boarding up a building and putting up a security fence immediately after a fire.

3. Limit Liability
In addition to limitations on secondary damage coverage under a commercial property policy, liability coverage for accidents may also be restricted. A property owner might end up having to pay out of pocket for incidents involving trespassers. Security fencing is an effective way to discourage unauthorized entry into a damaged property.
Some commercial property insurers offset the cost of mitigation measures such as boarding up or fencing off a fire-damaged structure. Limiting access, damage and liability can help to cap restoration costs and avoid incidents that may not qualify as covered perils. A restoration service in Margate, NJ, can assist business and property owners with setting up a security fence and other mitigation methods.

3 Commercial Storm Preparation Tips

3/31/2020 (Permalink)

Entrance of a building flooded If your Ventnor, NJ, business is inadequately prepared, a flooded building can be catastrophic

Storm Preparation Tips

Business owners have many things weighing on their minds. Oftentimes, daily tasks consume the energy of owners and managers. However, it is still important to look to the future and prepare to mitigate potentially disastrous economic situations. If your Ventnor, NJ, business is inadequately prepared, a flooded building can be catastrophic. Here are three storm preparation tips to help your company manage.

1. Knowledge and Preparation

One of the best ways to prepare for flood water is to gain knowledge and plan accordingly. If your business resides in a flood zone, learn all the information you can about the best ways to get your building ready. This can include installing backflow valves, flood shields, watertight walls and backup systems. Once you understand what steps need to be taken for your specific industry, take action.

2. Effective Communication

The first sight of flood water is not the time to inform your employees about the action that needs to be taken. Make sure evacuation procedures are routinely explained and put into action. Employees should understand the potential dangers and hazards that exist relevant to your location and industry. Regularly communicating with your employees about emergency procedures can possibly save lives as well as money.

3. Industry Codes and Standards

Water damage is harmful to all industries. No business can escape the destruction caused by flood water. As a business owner, there are specific industry codes and standards that can help lessen the effects of flood damage. For example, if possible move electrical equipment and portable generators to upper levels. Find out what standards are recommended or enforced in your specific industry.
It’s wise to prepare your business for all types of natural disasters. By gaining knowledge, communicating to employees and understanding industry standards, your business can be prepared. Additionally, contact a storm restoration specialist to find out more ways you can get ready for a storm.

CDC & SERVPRO

3/24/2020 (Permalink)

SERVPRO logo above a spore Call Today for a Proactive Cleaning! If your commercial space needs deep cleaning services, call the experts today: (609) 383-9785

Did you know the CDC recommends usage of a labeled hospital-grade disinfectant with claims against similar pathogens to the coronavirus? Good thing multiple products in the SERVPRO product line carry the EPA-approved emerging pathogens claims. While there is currently no product tested against this particular strain of the coronavirus, we are following all guidelines as provided by the CDC and local authorities.

The CDC encourages cleaning of high-touch surfaces such as counters, tabletops, doorknobs, light switches, bathroom fixtures, toilets, phones, keyboards, tablets and tables. Other spaces mentioned in the CDC’s guidance for commercial spaces include: 

  • Kitchen/Food Areas 
  • Bathrooms 
  • Schools/Classrooms 
  • Offices 
  • Retail Spaces 
  • Water Fountains 
  • Shelving/Racks 
  • Sales Counters 
  • Carpets and Rugs 
  • Stair Handrails 
  • Elevator Cars 
  • Playground Equipment 
  • Fitness Equipment 

Disinfect Your Business

Team Egg Harbor is prepared to clean and disinfect your business, according to protocols set forth by the Centers for Disease Control and Prevention. We have years of experience in dealing with biological contaminants, and we will go beyond the scope of work that regular janitorial staff perform on a daily basis.