Recent Posts

3 Reasons To Carry Business Insurance

6/20/2022 (Permalink)

Hands holding an insurances form, Large Font letters saying " ARE YOU COVERED" Business insurance allows you to take control of the business you have been working so hard to maintain.

Three Reasons to Insure Your Business

Even if your business in Rosemont, IL, is doing great, risks are always present. A simple mistake could lead to a costly lawsuit. A storm could knock out a window in your building and damage sensitive equipment. Theft and vandalism could happen at any time.

Business owners account for these risks by purchasing various types of business insurance. Some common types include commercial property, liability, auto, and workers' compensation.

Businesses in different industries may face different types of risks, but all businesses should carry some kind of business insurance.

Here are some of the main reasons to make sure your business has coverage.

1. Protect Commercial Property From Water Damage and Other Events

Water damage to commercial property can stem from a variety of sources:

  • Plumbing issues and broken pipes
  • Heavy storms
  • Leaky HVAC systems
  • Damaged irrigation systems

You cannot predict when any of these events might occur, so it is important to have a commercial property insurance plan that covers water damage.
To address disasters associated with water or fire damage, be sure to contact a professional restoration company as soon as possible. Water cleanup is often covered by commercial property insurance, and professional services will help your business recover more quickly.

2. Avoid Expensive Out-of-Pocket Costs

If your business experiences an event for which you do not have insurance coverage, you will have to pay the full cost yourself. Depending on the severity of the incident, this could be financially devastating. Insurance allows you to soften the blow.

3. Move Forward With Confidence

Life can throw a lot of things at your business, and you want to make sure you are ready. If you have not yet conducted detailed risk analysis projects, there may be dangers that you have not accounted for.

Business insurance allows you to take control of the business you have been working so hard to maintain. Risk management is an important part of any solid business plan.

3 Steps in the Fire Damage Restoration Process

6/9/2022 (Permalink)

Fire Damage in a home If you have fire damage in your Park Ridge, IL call professionals in the fire restoration process.

The Fire Damage Restoration Process Has Three Steps

A fire in your Park Ridge, IL, home can cause catastrophic damage that you won't be able to handle yourself. Fire damage services will use specialized cleaners and tools to ensure they remove all traces of the fire and restore your home to new. Here are three steps that professionals take in the fire restoration process. 

1. Board-Up the House

Fires can easily knock out windows and burn holes in the walls and roof of your home. When these access points aren't closed up, people and animals can easily get into your home and do more damage. The restoration professionals will secure strong boards over any missing doors and holes in the walls. They will also use tarps to cover holes in the roof to keep the weather from getting inside. 

2. Remove Smoke Damage

When not treated and removed correctly, damage from smoke can irreparably harm surfaces and might be impossible to remove entirely. The professionals will remove and catalog all the damaged items they take out of the home. In the next step of the damage cleaning process, they'll remove all traces of smoke and soot from the home and clean and sanitize everything to ensure the smoke smell doesn't return. 

3. Complete Restoration Construction

The final stage in the fire restoration process is to restore your home to the way it was before the fire. Construction services you need could be replacing electrical components damaged in the fire, fixing holes in the walls, or replacing smoke-damaged or destroyed sheetrock. The restoration company will work directly with your insurance company to ensure that you know exactly what is covered and what isn't. 

Dealing with the aftermath of a home fire can be a lengthy, stressful process. However, when you rely on fire restoration services, you can rest assured knowing that everything is being handled appropriately. 

Exterior Home Modifications That Minimize Flooding

6/6/2022 (Permalink)

Gutter with leafs To minimize the chances of outside flooding causing problems for your home’s structure,clean your gutters.

Flood-Resistant Exterior Home Modifications

Outside flooding at your Chicago, IL, home can pose a threat to both your home’s yard and the structure itself. Although a certified restoration company can help you get your home back to normal after a rain storm, it is easier to prevent flooding in the first place. There are several exterior modifications you can make to protect your residence.

Modifications to Yard
To make your yard more resistant to outside flooding, try the following modifications:

  • Grading
  • Installing heavy mulch
  • Planting vegetation

If your lawn currently slopes toward your home, have a landscaper grade it so that it slopes away. Installing mulch increases the amount of water your lawn is able to absorb. Choose a heavy mulch so that it doesn’t wash away, and make sure it is located at least six inches away from the sides of your house to prevent wicking that leads to water damage. Planting flowers and filling in bare spots with grass also helps your lawn absorb more water.

Modifications to Home

To minimize the chances of outside flooding causing problems for your home’s structure, there are changes you can make to the exterior of your home. For example, clean your gutters and direct the drain spouts away from the sides of your home. Repair cracks in the foundation or exterior walls, and make sure windows and doors are watertight. Flat and gently sloping roofs can be converted to a green roof — a layer of vegetation planted in a growing medium installed on top of a roof. As with vegetation on the ground, green roofs are able to absorb a lot of rainfall.

Flooding damages your home and yard and can be difficult to clean up. When working on your lawn and the exterior of your home, focus on rain drainage and absorption to help your property better withstand excessive rainfall.

My Home Has Flooded but I Don't Have Flood Insurance! Now What?

5/26/2022 (Permalink)

A restoration machine is cleaning water damage in a home. This home had a lot of flooding after a recent storm. SERVPRO of Park Ridge was quick to start helping, and get all of the water out of the home.

My House Flooded, And I Don't Have Flood Insurance! Now What?

Many people aren't aware that standard homeowner's insurance policies typically don't cover floods. If floodwaters infiltrate your home in Park Ridge, IL, but you don't have flood insurance, you'll likely wonder if you'll have to pay for the restoration yourself. The good news is that all hope is not lost. There's a good chance you'll qualify for some type of financial assistance if you take the following steps.

1. Apply for an SBA Disaster Loan

The Small Business Administration provides low-cost loans, not only to businesses but also to individuals (owning a business is not a requirement). This assistance only applies to damage to your primary residence and only damage that your homeowner's insurance doesn't cover. These SBA disaster loans are the most common type of federal disaster assistance.

2. Check Into Local, County and State Government Services

In addition to federal aid, local, county and state government emergency management departments offer various types of help. They can often help you decipher your flood insurance coverage and apply for federal aid.

3. Reach Out to Nonprofit Organizations

The American Red Cross, United Way and other similar nonprofit organizations are constantly preparing for disasters to be ready to help at a moment's notice. They offer everything from food, shelter and clothing to flood damage restoration information, counseling and financial assistance.

4. Receive Assistance From FEMA

To receive a Federal Emergency Management Agency grant, the president of the United States must first declare the affected location a major disaster area. The county in which you reside must also be included in this area for the victims to receive assistance.

Whether your property is located on a flood plain or not, you always need to make sure you're prepared for storm damage. Fortunately, even if you don't have flood insurance, various types of assistance are available to help return your life to normal.

3 Essential Measures Businesses Owners Should Take After a Fire

5/23/2022 (Permalink)

Smoke on the glass modern building Owners shouldn't wait days to notify the insurance agent of a fire. Call from the worksite, requesting the agent open a claim!

Following A Fire, There Are Three Important Steps That Business Owners Should Do.

When sparks fly, they spread quickly, wreaking havoc on company property. During the rebuilding process, owners face several issues, including managing fire restoration efforts and maintaining operations. It's challenging to know what to do and where to begin. The following are three essential measures owners should take after a fire.

1. Start a Fire Insurance Claim

Owners shouldn't wait days to notify the insurance agent of a fire. Call from the worksite, requesting the agent open a claim. Be prepared to provide the following information:

  • Date and time of the blaze
  • Your insurance policy number
  • Name of any leading rescue professional
  • The number for any fire report

2. Reach Out to a Fire Restoration Company

The property remains vulnerable. The fire crews may have busted windows and opened the roof to assist their efforts. In addition, the flames consume structural materials, creating breaches in walls. These exposures allow the weather, trespassers and animals to enter. In Chicago, IL, a fire remediation team should seal off these holes to minimize future complications.

3. Discuss Plans for Cleanup Procedures

Once the building is secured, turn attention to remediation efforts and alternate locations. Soot, ash and water inhabit the working space, limiting the ability to use the facility or claim any valuables. Discuss water and smoke cleaning with the restoration experts and ask about what must stay and what may be removed.

With permission, pull out significant documentation such as financial paperwork and contracts. Then, find a temporary spot for office staff to continue their work while the remediation workers deodorize, scrub and dry out the facility.

In Chicago, IL, owners should not immediately enter their building after a fire. Instead, initiate contact with fire restoration professionals and insurance agents. Follow their lead to rebuild and clean. While they focus on sanitizing and repairing, owners may concentrate on establishing temporary office space.

Eliminating Smoke Damage and Fire Damage After a Commercial Fire

5/18/2022 (Permalink)

A fire destroyed five stores in a commercial building Commercial recovery from fire and smoke damage is time-consuming and involves a lot of stress. Call SERVPRO for help!

After A Commercial Fire, Removing Smoke And Fire Damage

While commercial property owners might believe that a fire is the most devastating and challenging event of the disaster, they might find it surprising that the aftermath can be more traumatic and difficult to manage. Fire and smoke damage are not run-of-the-mill issues, and they often require the experienced hands of skilled employees working for a fire remediation service in Rosemont, IL. These professionals understand the four-step remediation process better than any property owner ever could.

1. Mitigation

Before you can deal with soot damage, you will most likely need to protect your property from any further damage. Mitigation is when a company comes into board-up, fence off, tarp, and secure your property. Mitigation procedures are essential to most insurance claims.

2. Initial Cleanup

Aside from protecting your property, remediation specialists will get to work performing any initial cleanup tasks, such as removing excess water from the rescue or throwing away any clear debris. The initial cleanup phase allows you and the service to understand any structural damage better.

3. Smoke Cleaning

Eliminating smoke damage is easier said than done. The substance can infiltrate and penetrate nearly every surface and material in a facility. It is not unusual for companies to find appliances, computers, and other machinery irreparable after a significant fire disaster because of smoke and soot.

4. Restoration

When all the cleaning stages are complete, it is time to restore the business to pre-disaster conditions. The remediation service will ensure that all integral and structural components of the facility are in working order before covering the walls and refinishing floors and other surfaces.

Commercial recovery from fire and smoke damage is time-consuming and involved. Professional remediation services can remove some of the pressure from business owners, allowing them to focus on operational and employee issues and traumas, which should be their primary focus.

How To Create a House Fire Evacuation Plan

4/12/2022 (Permalink)

Escape plan Because a house fire can start at any time and in any room, you should practice different scenarios at different times of day and night.

How To Make A Fire Evacuation Plan For Your Home

A home fire can begin at any time, anywhere in your Chicago,IL, home, so fire preparation is critical. Creating a fire escape plan for your household is simple yet could be a lifesaver in the event of a disaster.

1. Draw a Floor Plan

Draw a floor plan of each of your home's floors. The drawings must include every window and door of the house. You also need to identify and label two ways out of each room.

2. Agree on a Meeting Area

Decide on a meeting place that's a safe distance from the house. Everyone should congregate there after evacuating the home.

3. Teach Your Children About Fire Safety

A significant part of the fire escape plan is making sure your children have a good understanding of all aspects of fire safety. Show them what to do and not do if they hear the alarm sound. If there's smoke, they should get low to the floor and crawl to the nearest exit. Demonstrate how they can use the back of their hand on a closed door and doorknob to check for heat before opening it. Tell them NOT to open it if it's hot. Make sure they know to NEVER return to a burning building after exiting.

4. Practice a Fire Drill

Practice your evacuation plan at least twice a year. Since a home fire can break out at any time and in any part of the home, you should practice different scenarios at different times of the day and night. Firefighters and fire damage experts recommend using a stopwatch to time how long it takes for everyone to get to the meeting area after the alarm goes off. You should aim for under two minutes.

Keep your family safe. Devise a fire escape strategy as soon as possible. Hopefully, you'll never need it but practice it regularly to make sure everyone is prepared if the worst occurs.

The Absolute Necessity of Good Commercial Storm Insurance

4/6/2022 (Permalink)

Lightning thunderstorm flash over the sky Storm insurance and expert restoration are cornerstones of protecting your company from storm damage.

The Unavoidable Need For Good Commercial Storm Insurance

If there is one thing a business owner or manager knows, it is that nothing can be taken for granted. Stuff happens every day, and it is not always good. Storms have the potential to inflict serious damage to your company in Park Ridge,IL. With the right precautions, you can limit or eliminate some instances of storm damage, but no safeguards are infallible.

This is why commercial storm insurance is mandatory to protect your company and manage risks. Powerful storms can break windows, rip off roofing systems, start fires and cause flooding.

Understanding the Aspects of Your Insurance Coverage

Your policy is structured in a fairly straightforward way. It is important that you understand the policy so you won't be surprised by large bills. Your insurance agent can explain your policy in detail. In the simplest terms, a storm insurance policy has the following features:

  • The annual premiums your pay for coverage
  • The deductibles for each storm damage event
  • The areas of coverage and the exceptions

In most cases, the damage caused by a storm will be covered by your policy. You still have a responsibility to act quickly and appropriately when scheduling cleanup and restoration services. Some situations, such as flooding from the rising waters of streams, lakes and oceans, require specific flood insurance.

Acting Quickly for Storm Restoration Services

Water coming into your business from a storm can cause damage in many different ways. It is important to act quickly. A SERVPRO franchise can arrive Faster to Any Size Disaster. Its workers are experts in storm remediation. Highly-trained technicians will use powerful vacuums to remove standing water, and they will use industrial fans to dry out areas of your building, preventing mold growth. They can also restore structural damage to your facility.

All things considered, storm insurance and expert restoration are cornerstones of protecting your company from storm damage.

What Can Cause a Toilet To Overflow in a Commercial Property?

4/5/2022 (Permalink)

Leakage of water from a toilet due to blockage of the pipe If your building has category 3 water damage from sewage, contact your local SERVPRO for cleaning and restoration services.

What Can Cause A Commercial Property Toilet To Overflow?

Sewage cleaning can make a valuable difference in the performance of a building’s sewage system. A toilet overflow is a sign of serious problems in your sewage system. If you find yourself having to sop up a flood from an overflowing toilet, it may be due to:

  • A clogged waste pipe in the sewage system
  • Roots obstructing the waste pipe
  • A full septic system

Here are some common causes for a toilet that overflows without being flushed in Chicago,IL.

Clogged Drainage Pipe

One cause for a toilet overflow is a clogged pipe. If this is the cause of your flooding toilet, the water is considered category 3, or highly unsanitary water. Use protective gear when handling this type of flood. A toilet that overflows without being flushed is an indicator that the drainage pipe is clogged. Clearing a clogged pipe is severe and often requires professional attention.

Full Septic System

A foul odor spreading through the building, slow drains, a backed-up toilet, and a lawn that is healthier than usual are common signs that your septic system needs to be serviced. Commercial septic systems can service 20 people a day and should be pumped at least once every three years. Contact a sewage cleaning service to pump your septic system if you notice any indicators that it is full. Immediate response upon noticing the signs of a full septic tank will prevent severe water damages.

Old Sewage Systems

Older sewage systems were often made with clay or concrete materials, making it easy for tree roots to penetrate and clog the drainage pipes. The newer mixture of plastic and concrete materials does not allow tree roots to penetrate. An outdated sewage system is likely to develop clogs from invasive tree roots. This requires a professional sewage company to remove the older plumbing materials and install new pipes.

SERVPRO is a preferred vendor for most insurance agencies and can handle your sewage cleaning needs. If your building has category 3 water damage from sewage, contact your local SERVPRO for cleaning and restoration services. Updating old sewage systems and maintaining them can help prevent loss from water damage.

When Emergencies Strike, Responsiveness Matters

3/13/2022 (Permalink)

Trucks of a restoration company At SERVPRO, we are fully prepared with the necessary manpower and tools to begin the remediation process in your business, as soon as possible.

When An Emergency Occurs, Responsiveness Is Critical.

Natural disasters and emergencies can happen in Rosemont,IL, without warning, leaving your business vulnerable to extensive property damage that requires professional cleanup and costly repairs.

It can be difficult to know what to do and who to call first in the midst of a stressful situation, so it's helpful to have a plan in place before the worst happens. It's also an excellent idea to identify your go-tos for remediation and claim services so you'll have the right numbers on hand when you need them. Time is of the essence, and the faster the response, the greater your chances are of minimizing damage and loss.

Faster To Arrive on the Scene

When you're in a crisis, the last thing you want is to wait a long time for help to arrive. An emergency response team like SERVPRO will be onsite within 24 hours, prepared with the manpower and tools needed to promptly begin the remediation process. They will get to work right away assessing, cleaning, and fixing the damage. Less time to arrival means less damage and less money to shell out.

Faster To Itemize Damage

An emergency response team understands the insurance claims process well and knows that repairing is almost always less expensive than replacing. They are also experienced at itemizing damage and collecting the information that will help you get to work on your claim before the claim services adjustor arrives. This speeds the process along so the insurance company can focus on its priorities and you can receive your reimbursement check as quickly as possible.

Faster To Get You Up and Running

The primary goal of your insurance company and remediation service is to get you back in business quickly for as little money as possible, which is your goal as well. Having a response team that works together with your insurance company makes the whole process go faster and more smoothly for everyone.

As a Rosemont,IL, business owner, you need a full-service emergency response team that is preferred by insurance companies nationwide to work with their claim services. Together, they'll help you restore your property and your peace of mind.