Recent Commercial Posts
How to Properly Purchase Contents Insurance
Have you ever asked yourself, "how much coverage do I really need on my belongings?" There is no way to just guess and hope you have enough without keeping an inventory of what you have. Not only for the purpose of determining how much coverage you will need but also in the event of a loss where those items become damaged and that policy comes into effect.
When setting up your home or business insurance policy it is important to keep an inventory of your personal belongings or products/merchandise. Whether you are dealing with personal or business items the same guidelines follow. Keeping a list of items along with the value of them will help keep you prepared when a disaster strikes. It is also important to keep this list current with any new purchases that may increase the value of your property. Trust me, it will be less of a hassle than having to figure out what items you own when they are possibly damaged by a disaster such as a fire. With all the stress and amount of effort one deals with after property damage, one less thing to worry about will help the restoration process resolve much quicker and easier for the owner.
Also, aside from the usual items like furniture and jewelry; it is important to keep copies of any important documents. Things like birth certificates, property deeds and business contracts should be kept safe with duplicates available along with electronic copies.
Once you have an idea of everything you own and its value this will allow you to confirm you are receiving enough coverage for those items in your insurance policy. Every insurance policy has a limit for reimbursement so knowing how your policy matches up will keep any surprises down the road from surfacing.
Emergency Ready Profile
The Best Way to Reduce Business Interruption Following a Disaster is to Plan For it NOW.
As many as 50% of businesses may never recover following a disaster, according to the latest industry research.
SERVPRO of Paramus offers a FREE assessment of your property and develops a plan in the event of a disaster.
Why the SERVPRO® Emergency READY Profile?
Here are just a few reasons why your business will benefit from having an emergency ready profile in place.
- A no cost assessment of your facility. – This means there is no need to allocate funds, giving you a great value at no cost.
- A concise Profile Document that contains only the critical information needed in the event of an emergency. – It will only take a little time to complete and will not take you away from current projects. But it will save a lot of time if ever needed.
- A guide to help you get back into your building following a disaster. – This can help minimize the amount of time your business is inactive by having an immediate plan of action.
- Establishes your local SERVPRO® Franchise Professional as your disaster mitigation and restoration provider. – You have a provider that is recognized as an industry leader and close by.
- Identification of the line of command for authorizing work to begin. – This saves time so we can begin the work of mitigating the damage which can save you time and money.
- Provides facility details such as shut-off valve locations, priority areas and priority contact information. – Having a quick reference of what to do, how to do it and who to call provides solutions in a disaster.
- A concise Profile Document that contains only the critical information needed in the event of an emergency.
Developing your Emergency Ready Profile (ERP) will only take a little time to complete and will not take you away from your current projects.
The SERVPRO Emergency Ready Profile (ERP) could be a valuable tool to help restore your business in the shortest amount of time possible.
To set up this free service, call Tony D'Arco @ SERVPRO of Northeast Bergen.
Minimize Business Interruption
According to the Federal Emergency Management Agency 40% of businesses that experience a disaster never re-open. In order to protect your business from any type of interruption, it is adamant that you have a plan in place.
Every business owner should be familiar with the location they are in and what types of natural disasters the location is historically known for. Knowing what type of natural disaster is common in your area will help you develop an accurate emergency preparedness plan. Some examples of natural disasters can be flooding, hurricanes, earthquakes, tornadoes, etc.
Once you have figured out what may be inevitable in your area you should then understand your insurance coverage. Business property insurance pays to repair or replace property damage but does not protect against consequential damage like the downtime of a business while repairs are going on. This type of damage would be picked up by a business interruption coverage. It is important to also understand this type of coverage as it can differ significantly with possible exclusions, coverage limits and waiting periods.
When preventing hazards from arising you should ask yourself if these areas are up to standard/code:
1. HVAC system
2. Electrical system
3. Telecommunications system
4. Fire protection systems
5. Sprinkler system
These areas should be regularly inspected and maintained for proper functioning.
Other potential risks may be occurring from indirect sources such as other occupants if in a multi-occupancy building. It is beneficial to know what hazards might be going on nearby. For instance, if the neighboring occupant to your property is a business that manufactures acetone products, which is extremely flammable, you would want to take note of this and customize your plan accordingly.
To prevent inventory damages, store contents based on level of sensitivity. Any water sensitive products should be removed from flood prone areas and placed above 100 year flood level. Vital records that are necessary for the survival of the business should be given maximum protection from any disaster. If possible establish electronic back up copies.
To expedite repairs in the event of an emergency, companies should develop contacts with contractors in the area. By establishing prior contacts in advance will help to initiate return to operation quickly and efficiently. This will also prevent any time wasted by auditioning different contractors to pick the best one.
We, at SERVPRO of Northeast Bergen County, offer an Emergency Ready Profile (ERP) for businesses who would like to develop not just a plan but a relationship they can trust to help them be prepared for any size disaster. Contact us today to learn more!
What Is Asbestos?
Asbestos is a naturally occurring mineral in the ground typically found in North America. It was frequently used in the past as a flame-resistant insulation. It is a durable material made of layers of fibers that together virtually create an indestructible material. It was widely used up until the 70's when it was discovered to be a carcinogen.
Asbestos is found to be the sole cause of a deadly and rare form of cancer known as mesothelioma. After being exposed to asbestos mesothelioma can take 20-50 years before symptoms can appear. Mesothelioma is an aggressive form of cancer that affects the lining of the lungs, heart and abdomen. Despite asbestos being known as a carcinogen it is still not banned. However, most manufactures have phased out the use of the material to switch to safer alternatives.
The EPA classifies six different materials as asbestos. All six being human carcinogens.
Only amosite which is the brown colored asbestos and crocidolite (blue) are mainly used.
Now that we know what asbestos is and the negative side effects lets talk about what to do when you come across asbestos. When finding asbestos in your home or building you don't necessarily need to go remove it immediately. It is actually best to leave it untouched if it is intact. Generally asbestos containing material that is in good condition and not disturbed will not release asbestos fibers. In the case the material is not in good condition or is in the vicinity of a renovation it should only be removed by a trained professional.
If you suspect the material contains asbestos but are not completely sure you can have testing done to confirm. Air testing can also be performed to confirm the air quality is safe after removal.
The most common scenario we come across is asbestos containing tile found hidden under layers of flooring. In the event our technicians suspect asbestos we will have testing performed to verify and then plan on the best route of execution.
Commercial Water Damage Events Present Unique Challenges
The amount of time your business remains closed is critical. At SERVPRO of Northeast Bergen County, we'll work to get you open as fast as possible.
Flooding and water damage events at Bergen County commercial properties are often complex with numerous issues that require a knowledgeable and flexible response. Whether we’re dealing with a relatively small water cleanup scenario or a large scale event, we work quickly to assess each unique situation and isolate the damaged area. In many instances, normal operations can continue in a temporary space while we restore your facility.
Restoring Commercial Properties Presents Unique Challenges
Our professionals are trained to be mindful of legal and environmental concerns and strive to fully restore the damaged area while working within your budgetary constraints. We understand that every hour spent cleaning up is an hour of lost revenue and productivity. So when an emergency situation arises in your business, give us a call and we’ll be there fast with the help you need.
About SERVPRO of Paramus/Northeast Bergen County
SERVPRO of Paramus/Northeast Bergen County specializes in the cleanup and restoration of commercial and residential property after a water damage event. Our staff is highly trained in property damage restoration. From initial and ongoing training at SERVPRO’s corporate training facility to regular IICRC-industry certification, rest assured our staff is equipped with the knowledge to restore your property.
Call us, 24/7 201-445-5588