Recent Storm Damage Posts
Protect Your Business With a Flood Policy
Storm damage to a Fort Collins commercial building.
Three Things To Know About a Commercial Flood Policy
If your business in Fort Collins, CO, becomes damaged in a flood, you could be out thousands of dollars unless you have commercial insurance to cover such losses. Most regular insurance does not cover flooding due to storms. Flood insurance can be purchased separately through The National Flood Insurance Program, which consists of around 60 providers and is managed by FEMA.
1. The Building Is Protected
Floodwater can seep in and cause all kinds of damage to different types of materials including walls, carpeting, appliances, plumbing, and electrical equipment. Luckily, commercial flood insurance usually covers all of these items and more. Coverage generally includes the main building, as well as any detached garages or other facilities.
2. The Contents Inside the Building Are Covered
In addition to the main components of the building, commercial insurance may cover less-permanent structures too. Rugs, curtains, furniture, and other valuable materials that are not part of the building may also be protected. It is a good idea to take pictures of any items before a disaster has a chance to strike. A professional restoration company can often deal with damage to important paperwork and electronics.
3. Not Everything Is Covered
A commercial flood policy does not cover items that are unrelated to the physical structure of your business. For example, cars, other vehicles, or losses incurred during a business outage are not typically covered under these policies. Most deal with flooding due to storms or broken levies but may not apply to problems of flooding originating inside the building. If you have flooding from a broken pipe or sump pump, you may need a different type of insurance for that damage.
Because just 1 inch of floodwater can cause up to $25,000 in damage, it is important to have flood insurance for your business. Read your paperwork carefully to see exactly what is covered by your commercial insurance policy.
5 Flood Preparation Safety Tips
Build an emergency supply kit.
Flood Safety Tips In Case Of An Emergency
Dangerous floodwaters can sweep through your property at any time, especially if a severe storm is on the horizon. Taking flood safety protocol seriously is vital when it comes to protecting yourself, your family and your property. Utilize the following safety tips if your home in Fort Collins, CO, is in danger of falling victim to hazardous floodwaters.
1. Create an Emergency Response Plan for Your Household.
Everyone in the household needs to be prepared to face a flood. Make sure each member knows what to do, where to go, and how to properly react in the case of an emergency. Make time to regularly discuss and practice your emergency response plan.
2. Build an Emergency Supply Kit.
Severe floods can sometimes leave people stranded for long periods of time. It's important to make sure that you have the necessary supplies on hand, should this happen to you. Suggested items to pack include, but are not limited to, a flashlight, extra batteries, bandages, gauze, tape and a battery powered radio.
3. Listen and Obey to Emergency Response Teams.
First responders and other local authorities exist to protect you. Ignoring or disobeying them can put a lot of people in serious danger.
4. Waterproof and Relocate Valuable Possessions.
Any important personal items that aren't waterproof, such as electronic devices and important documents, should be sealed in waterproof containers and placed on high shelves that are at least one foot above the projected flood level.
5. Never Enter Flood Water.
This is the golden rule of flood safety. It only takes 6 inches of moving water to knock you off your feet and one foot to sweep your car downstream. Standing floodwater isn't much safer, as it could potentially contain dangerous biohazards or an electrical charge.
It is vital that you take flood safety seriously in the case of an emergency. Doing so can help keep you, your household, and your property safe. Contact flood remediation experts if your home has experienced any type of water damage following a flood or severe storm.
Flood Damage: What To Know Before Cleaning
A home that experiences flooding needs to be dried out and cleaned up as soon as possible.
Homeowners in Fort Collins, CO, who experience flooding need to act fast. Even what may seem like a small amount of moisture may easily turn into major water damage. While quickly addressing the issue is essential, it’s vital to know the source of the issue before delving into the cleanup process.
Water Loss Categories
Not all water entering a home is equal. There are three categories of water loss that are determined by the water source and potential contaminants.
Clean Water: Considered safe water, it is considered water that is free of toxins. Common sources include a pipe burst or sink overflow.
Grey Water: This type may have chemicals or microbes that need to be properly dealt with. This type of damage is often caused by appliance leaks, such as the dishwasher or washing machine.
Black Water: Often associated with flooding and rising groundwater, it has a plethora of contaminants that require additional levels of safety during cleanup.
Flood Damage Cleanup
Each category of water has its own cleanup requirements. An overflowing sink caught early merely requires extracting the water, drying the area out and sanitizing it. The following two categories are not quite as simple. Depending on the extent of the damage, a grey water issue may be too much to handle and eventually turn into Category 3. The cleanup process often will mean the removal and replacement of drywall and other porous components in the home. In most cases, it’s best to secure the services of a water and mold damage restoration company. It will have certified technicians trained on cleanup protocols as well as the equipment needed to prevent mold growth and salvage affected items.
A home that experiences flooding needs to be dried out and cleaned up as soon as possible. Before delving in, it's important to know the source of the damage and take the necessary safety precautions.
Storm Damage vs. Flood Damage: What's the Difference?
Storm damage in a Fort Collins commercial building.
What's the Difference Between Storm and Flood Damage?
There are a lot of things you probably don't want to struggle with on your property out of everything that could be on that list, flood and storm damage are likely at the top for most people. However, this begs the question: if they're both caused by water, how do you tell them apart? Here's a quick look at the difference between the two.
Regardless of where it happens in Fort Collins, CO, damage to property qualifies as storm damage if it was caused by one of the following:
- Other natural disasters
The physical effects of a storm can usually be seen in the form of damaged shingles, a leaky roof, broken windows, holes in the wall and external house fixtures being torn away from the structure. As long as the damage wasn't caused by the overflow of a body of water during the storm, it should technically qualify as storm damage. It's important to note that earthquakes aren't typically covered in this category.
Unlike a storm, damage from flooding is typically regarded as any normally dry land being covered by water that has escaped from a river, creek, lake or other body of water. The damage is still considered flood damage whether or not it was caused naturally or by an external force even if the flood came from a canal, dam or reservoir after being modified, it still qualifies in the same category. If the damage came from a flood that was caused by inclement weather, it should still count as flooding so long as the storm itself isn't what damaged the building.
Whether you're dealing with floods or storm damage in Fort Collins, CO, it's important to know the difference between the two. Homeowner's insurance can be very particular about what is covered under a specific category, so speak with your agent if you're unsure what you're protected against.
Preparing a Commercial Building for a Thunderstorm
Commercial storm cleanup in Fort Collins, CO.
Getting Ready for a Thunderstorm in a Commercial Building
Despite its name, a thunderstorm does not only include thunder. It may also feature:
- Heavy rain
Each of these weather events comes with its own hazards. A heavy rain storm, for instance, can cause flash flooding in Fort Collins, CO. High winds, meanwhile, can damage buildings or knock out power. By following the below steps, you can mitigate the harm caused by severe storms.
Know Your Risk
As the bad weather approaches, you may hear meteorologists issue a severe thunderstorm warning or watch for your area. You should know the difference between these two terms. A watch is declared when severe storms are possible. A warning, however, is issued when radar or individuals have detected the bad weather nearby.
Prepare in Advance
If a major rain storm is heading to your area, you should get your property ready. Bring inside any exterior items that are not attached to the ground. This will prevent those things from flying away in heavy winds.
You should also trim any trees or shrubbery growing near the building. Remove any damaged branches so they do not fall onto the structure during the storm.
An emergency kit is a valuable resource for your tenants. It should include necessary supplies and the contact information for storm damage restoration experts.
Keep Everyone Safe
Finally, make sure all of your tenants know what to do when the storm arrives. Have them close their windows and doors. They should stay away from the windows, as well. Remind them not to use electrical equipment or their plumbing system, either.
A rain storm can be harmful to your property, especially if the severe weather includes hail or heavy winds. Before the storm arrives, remove loose outdoor items from your landscape and trim any trees that are too close to the buildings. You should also prepare an emergency kit for each of your tenants. As the storm approaches, stay up-to-date on the latest alerts so you know when the threat has passed.
5 Steps To Clean Contents After a Flood
Experts recommend the use of air movers and dehumidifiers to prevent mold.
Five Content Cleaning Steps
The contents in a flooded home may suffer severe damage. Storm and water damage mitigation and restoration companies follow these five content cleaning steps to care for items exposed to flooding.
1. Determine What Can Be Cleaned
Most hard or non-porous items can be cleaned and disinfected, but porous contents and building materials may not withstand cleaning. It also might not be possible to ensure that these contents are completely clean and do not pose any recontamination risk. Ask restoration experts whether it is worth the time and effort necessary to try to clean porous items.
2. Clean and Disinfect Contents
The content cleaning process involves removing dirt and debris and disinfecting items. Both of these steps are critical. Flood water is considered Category Three and may contain chemicals, microbes, or solid waste. For this reason, it is essential to make sure that all items exposed to flooding are thoroughly cleaned and sanitized.
3. Clean and Disinfect Flooded Areas
It is also important to clean and treat building materials exposed to flooding. Do not restore clean contents to an area that has not yet been cleaned, treated, and allowed to dry. Doing so can result in recontamination and prolong the mitigation and restoration process.
4. Allow Affected Areas To Dry
Moisture resulting from flooding can lead to mold growth. Experts recommend the use of air movers and dehumidifiers to prevent mold.
5. Restore Contents
Once an area has been cleaned, disinfected, and dried, you may start putting contents back into your house. Be sure to avoid re-introducing any items that have not been cleaned and treated.
Following these measures after a flood can properly clean the contents and affected areas of your home in Fort Collins, CO. Content cleaning professionals are capable of achieving the best results in the least amount of time, which can help to prevent secondary damage such as mold growth.