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Mold and Your Home's Structural Integrity

3/7/2024 (Permalink)

A SERVPRO truck in the snow. SERVPRO is ready to take on your project anytime day or night.

Mold is not just an unsightly nuisance; it can also pose risks to the structural integrity of your home. Understanding the potential impact of mold on your property is crucial for homeowners. In this blog post, we'll explore the connection between mold and your home's structural integrity, as well as practical solutions to address and prevent mold-related issues.

How Mold Affects Structural Integrity

Mold thrives in damp and humid environments, making homes susceptible to its growth, especially in areas with water damage or high humidity levels. Mold can feed on organic materials present in building structures, such as wood, drywall, and insulation. Over time, prolonged exposure to mold can weaken these materials, compromising the structural integrity of your home.

Identifying Mold-Prone Areas

Certain areas of your home are more prone to mold growth due to factors like poor ventilation, water leaks, or high humidity. Pay close attention to spaces such as basements, attics, crawl spaces, and bathrooms. Regular inspections of these areas can help you identify early signs of mold and prevent it from causing extensive damage.

The Role of Moisture Control

Controlling moisture is a key factor in preventing mold and preserving your home's structural integrity. Address water leaks promptly, ensure proper ventilation in damp areas, and consider using dehumidifiers in spaces prone to high humidity. By controlling moisture, you create an environment less conducive to mold growth and protect your home from potential structural issues.

Regular Inspections and Maintenance

Regular home inspections and maintenance routines are essential for catching mold issues early on. Check for signs of water damage, such as stains on walls or ceilings, and address any leaks immediately. Inspect your roof, windows, and foundation for potential entry points where water could infiltrate, and seal any gaps or cracks to prevent moisture intrusion.

Professional Mold Remediation

If you discover mold in your home, it's crucial to enlist the help of professionals for mold remediation. Certified experts, like SERVPRO®, can assess the extent of the mold damage, develop a comprehensive remediation plan, and restore your home to a safe condition. Professional mold remediation is essential for ensuring that the mold is thoroughly and safely removed, preventing further structural damage.

Proper Ventilation

Proper ventilation is a key preventive measure against mold growth. Ensure that your home is well-ventilated, especially in areas prone to dampness. Use exhaust fans in bathrooms and kitchens, open windows when weather permits, and consider installing ventilation systems to improve air circulation and reduce humidity.

Regular Cleaning and Maintenance

Routine cleaning and maintenance of your home can significantly contribute to mold prevention. Keep surfaces dry, clean gutters regularly to prevent water buildup, and address any leaks or water damage promptly. Regular cleaning practices help eliminate the conditions that promote mold growth and protect your home's structural integrity.

Addressing Water Intrusion Immediately

Water intrusion is a primary contributor to mold growth and structural damage. Whether it's a leaky roof, plumbing issue, or foundation crack, address water intrusion immediately. Identify and fix the source of the problem to prevent ongoing moisture buildup and safeguard your home from potential structural issues.

Understanding the connection between mold and your home's structural integrity is vital for homeowners. By taking proactive measures, such as controlling moisture, conducting regular inspections, and enlisting professional mold remediation services when needed, you can protect your home from the detrimental effects of mold and ensure its long-term structural stability. Trust SERVPRO® to be your partner in addressing mold-related concerns and preserving the integrity of your home.

Strengthening Your Home Against Floods: Tips to Boost Flood Resilience

2/14/2024 (Permalink)

SERVPRO truck responding to an emergency call. Our team is equipped to assist you in mitigating flood-related damages and restoring your home after a flood event.

Floods can pose a serious threat to homes, causing extensive damage and disruption to daily life. Building flood resilience is key to minimizing the impact of potential flood events on your home. In this blog, we'll explore practical strategies and measures to increase your home's flood resilience, ensuring better protection against flood-related damages.

1. Understanding Your Home's Vulnerabilities

Start by assessing your home's vulnerabilities to flooding. Identify areas prone to water ingress such as basements, ground-level entrances, windows, and doors. Understanding these weak points helps in developing targeted strategies to fortify your home.

2. Implementing Protective Barriers and Seals

Invest in flood barriers, sandbags, or flood shields to create a protective barrier around vulnerable entry points. Seal gaps and cracks in walls, windows, and doors with waterproof sealants or flood-resistant materials to prevent water intrusion.

3. Elevating Electrical Systems and Appliances

Raise electrical systems, fuse boxes, HVAC units, and appliances above potential flood levels. Elevating these systems above flood-prone areas can prevent damage and reduce the risk of electrical hazards during a flood.

4. Landscaping for Water Diversion

Modify your landscaping to redirect water away from your home. Properly graded yards and the installation of swales, berms, or French drains can divert water away from the foundation, reducing the risk of water pooling around your home.

5. Installing Sump Pumps and Backflow Valves

Consider installing a sump pump in the basement or low-lying areas to remove excess water. Backflow valves can prevent sewage backup into your home during flooding, safeguarding against contamination.

6. Waterproofing Basements and Foundations

Waterproofing your basement and foundation walls with coatings or membranes helps create a barrier against water seepage. Consider professional waterproofing services for effective and long-lasting solutions.

7. Obtaining Flood Insurance

Flood insurance provides financial protection against flood-related damages. Even if you're not in a high-risk flood zone, having flood insurance adds an extra layer of security in case of unexpected flooding.

8. Creating an Emergency Plan

Develop a comprehensive flood emergency plan for your family. Include evacuation routes, emergency contact information, and procedures for shutting off utilities. Practice this plan regularly to ensure everyone knows what to do in case of a flood.

Increasing your home's flood resilience involves a combination of preventive measures, structural improvements, and preparedness. By implementing these strategies and investing in protective measures, you can significantly reduce the impact of potential floods on your home and safeguard your family and belongings.

At SERVPRO of Carthage/Joplin, we understand the importance of flood resilience. Our team is equipped to assist you in mitigating flood-related damages and restoring your home after a flood event. Contact us for expert restoration services to increase your home's flood resilience!

Why Quick Roof Repairs After a Storm are Important

1/17/2024 (Permalink)

When storms unleash their fury, your roof stands as the first line of defense against the elements. In this blog, we'll highlight the crucial importance of acting swiftly with roof repairs after a storm, offering insights to protect your home from further damage.

Preventing Water Leaks

A damaged roof is an open invitation to water leaks. Swift roof repairs are essential to prevent rainwater from seeping into your home, causing structural damage, compromising insulation, and fostering mold growth. A proactive approach safeguards your home from potential water-related issues.

Mitigating Interior Damage

A compromised roof can lead to extensive interior damage. Leaks from a damaged roof can affect ceilings, walls, insulation, and even electrical systems. Quick repairs are key to mitigating interior damage, reducing the risk of costly and extensive repairs down the line.

Preserving Structural Integrity

Your roof plays a pivotal role in maintaining the structural integrity of your home. Delaying roof repairs after a storm can result in further deterioration, jeopardizing the stability of your entire structure. Timely action is crucial to preserving your home's strength and durability.

Avoiding Mold Growth

Moisture that penetrates a damaged roof creates an ideal environment for mold growth. Mold can proliferate rapidly, posing health risks and requiring extensive remediation efforts. Prompt roof repairs mitigate the risk of mold infestation, safeguarding the health of your home and its occupants.

Preventing Energy Loss

A compromised roof allows conditioned air to escape, leading to energy inefficiency and higher utility bills. Swift roof repairs help maintain a tight and well-insulated building envelope, ensuring optimal energy efficiency and keeping your home comfortable.

Minimizing Long-Term Costs

Addressing roof damage promptly minimizes long-term repair costs. Procrastination can result in the need for more extensive repairs or even a complete roof replacement. Timely action not only protects your home but also saves you money in the long run.

The aftermath of a storm demands quick and decisive action, especially when it comes to roof repairs. Acting promptly not only protects your home from immediate threats but also prevents long-term damage and costly repairs. If your home or business faces storm-related damage, SERVPRO of Carthage/Joplin is here 24/7 to provide professional restoration services. Your peace of mind is our top priority!

Tips for Preventing Candle Fires

12/13/2023 (Permalink)

Soot covered wall in a home. Candles can bring warmth and comfort to your home, but they can also pose fire hazards when not used with caution.

Candles add a warm and cozy ambiance to our homes, but it's crucial to use them safely to prevent candle fires. A relaxing evening can turn into a disaster when candles are left unattended or placed too close to flammable materials. In this blog, we'll provide valuable tips and insights on preventing candle fires in your home, so you can enjoy the beauty of candles without the worry of fire hazards.

Choose Safe Candle Placement 

One of the most critical aspects of candle safety is where you place them. Keep candles at least 12 inches away from anything flammable, such as curtains, furniture, or decorations. Always set candles on a stable, non-combustible surface.

Use Candle Holders

Opt for sturdy candle holders specifically designed for the size and type of candle you're using. They should catch any drips or wax that may fall. Avoid using plastic or wooden holders.

Keep Candles Away from Drafts

Avoid placing candles in drafty areas as this can cause the flame to flicker and potentially ignite nearby items. Make sure windows and doors are closed near lit candles.

Never Leave Candles Unattended

One of the most common causes of candle fires is leaving them unattended. If you need to leave the room or go to sleep, extinguish the candle.

Use Flameless Candles

For those who prefer a worry-free candle experience, consider using flameless candles. These LED-powered alternatives offer a safe and realistic candle-like glow without the fire risk.

Trim Wick Length

Before lighting a candle, trim the wick to about 1/4 inch. A longer wick can lead to a larger, more erratic flame that may cause dripping or sparks.

Use Candle Accessories

Place a heat-resistant plate or a hurricane glass around the candle to provide an extra layer of protection. This can catch any wax drips and contain the flame.

Keep Candles Out of Reach

If you have pets or small children, make sure that lit candles are out of their reach to avoid accidents.

Don't Overcrowd

When using multiple candles, ensure they're spaced appropriately to prevent heat from one candle affecting another. This helps prevent accidental fires.

Extinguish Candles Properly

Use a candle snuffer to extinguish candles to avoid blowing hot wax and embers. Check that the flame is entirely out before leaving the room.

Candles can bring warmth and comfort to your home, but they can also pose fire hazards when not used with caution. By following these safety tips and practicing responsible candle use, you can enjoy the ambiance without the worry of candle fires. Protect your home, your loved ones, and your peace of mind by incorporating these preventive measures into your candle-lit moments.

A Step-by-Step Guide to Mold Remediation

11/8/2023 (Permalink)

Mold growing on the wall in a closet. Mold is a common concern for homeowners in Joplin, MO, given the diverse climate.

Mold is a common concern for homeowners in Joplin, MO, given our diverse climate. At SERVPRO® of Carthage/Joplin, we understand the importance of a comprehensive mold remediation process. In this blog, we will take you through the step-by-step mold remediation process, helping you understand how we tackle mold issues in your home effectively.

Step 1: Initial Contact

The journey begins when you reach out to SERVPRO® of Carthage/Joplin. Our friendly team is ready to listen to your concerns and schedule a convenient appointment for an assessment.

Step 2: Inspection and Assessment

Our experienced technicians will arrive at your property and conduct a thorough inspection. We identify the extent of the mold infestation and assess the areas affected. This assessment helps us tailor our remediation plan to your specific needs.

Step 3: Containment

To prevent mold from spreading to unaffected areas, we establish containment. Our team uses advanced techniques such as negative air pressure chambers and physical barriers to isolate the affected areas.

Step 4: Air Filtration

We utilize high-efficiency particulate air (HEPA) filtration systems to capture mold spores from the air. This ensures a cleaner and safer environment during the remediation process.

Step 5: Mold Removal

The actual mold removal process involves the safe and efficient removal of mold-infested materials. Our team carefully follows industry best practices to eliminate mold colonies and prevent their return.

Step 6: Cleaning and Sanitization

We use specialized cleaning products to clean and sanitize the affected surfaces. This step helps eliminate mold residue and prevents future mold growth. 

Step 7: Restoration

Once mold removal and cleaning are complete, our focus shifts to restoring your property to its pre-mold condition. This may involve minor repairs, such as replacing drywall or flooring.

Step 8: Final Inspection

Our experts conduct a final inspection to ensure that the mold remediation process has been successful. We want to ensure your property is mold-free and safe.

Step 9: Prevention Recommendations

To reduce the risk of future mold problems, we provide recommendations for preventive measures. This may include addressing any underlying moisture issues.

Mold remediation is a comprehensive process that requires expertise and precision. At SERVPRO® of Carthage/Joplin, we take pride in our step-by-step approach to mold remediation, ensuring your home is safe and mold-free. If you're dealing with mold issues in Joplin, MO, don't hesitate to contact us. We're here to help you protect your property and your peace of mind.

Strengthening Your Missouri Home's Defenses Against Water Damage

10/8/2023 (Permalink)

Drying equipment standing in a driveway. There are proactive steps you can take to enhance your home's resilience against water damage.

Water damage is a common concern for homeowners in Missouri, whether from heavy rains, flooding, or plumbing mishaps. Fortunately, there are proactive steps you can take to enhance your home's resilience against water damage. In this blog, we'll provide you with essential tips and insights to help you safeguard your Missouri home.

1. Maintain Your Roof

Your roof is your first line of defense against water intrusion. Regularly inspect it for missing shingles, damaged flashing, or signs of wear and tear. Address any issues promptly to prevent roof leaks during heavy rains.

2. Clean and Maintain Gutters

Clogged or damaged gutters can lead to water overflow, which can damage your roof, siding, and foundation. Clean your gutters regularly and ensure that downspouts direct water away from your home's foundation.

3. Properly Seal Windows and Doors

Inspect the seals around your windows and doors regularly. Apply weatherstripping or caulk to seal any gaps or cracks, preventing water from infiltrating your home during rainstorms.

4. Invest in Proper Grading

Ensure that your yard's slope promotes proper drainage away from your home's foundation. Proper grading prevents water from pooling around your house, reducing the risk of basement flooding and foundation issues.

5. Install a Sump Pump

In areas prone to basement flooding, consider installing a sump pump. This device can help remove excess groundwater, preventing basement flooding during heavy rains.

6. Upgrade to Steel-Braided Hoses

Replace standard rubber hoses in appliances like washing machines and dishwashers with steel-braided ones. These are more durable and less prone to bursting or leaking.

7. Regular Plumbing Maintenance

Inspect your plumbing for leaks and drips regularly. Address any plumbing issues promptly, as even small leaks can lead to significant water damage over time.

8. Monitor Indoor Humidity

Maintain indoor humidity levels between 30-50% to prevent condensation and moisture-related issues. Use a dehumidifier if necessary, especially during humid Missouri summers.

9. Advanced Leak Detection

Consider installing water leak detection devices that can alert you to potential problems. Some devices can automatically shut off the water supply if a leak is detected.

Enhancing your Missouri home's resilience against water damage is a proactive way to protect your investment and keep your living space safe and dry. By following these steps and staying vigilant, you can reduce the risk of water intrusion and the potential costly consequences. If you ever face water damage beyond your control, SERVPRO® of Carthage/Joplin is here to assist Missouri residents with professional cleanup and restoration services. We're dedicated to helping you restore your property to its pre-damage condition, ensuring your home remains resilient and secure.

The Role of Drones in Assessing Storm Damage and Recovery

9/11/2023 (Permalink)

storm sky Drones are used to play a role in storm damage assessment and recovery.

Northwest storms are unpredictable, causing widespread damage that can be inaccessible and costly to assess. Property owners and insurance adjusters must determine the extent of the damage, plan for repairs, and locate the affected areas. However, the use of drones in storm damage assessment has revolutionized the process. Drones provide an efficient and safe way to assess and document the outreach of the devastating effects of a Northwest storm. In this blog post, we will discuss the role of drones in assessing storm damage and recovery.

Rapid Damage Assessment

After a Northwest storm, property owners and insurance adjusters need to assess the damage promptly. With drones, this process can be done efficiently and safely. Drones can be deployed quickly to survey extensive properties and areas that would otherwise be inaccessible. They can capture aerial images and videos, providing detailed information on the extent of the damages. This information can then be used to make informed decisions on restoration and cleaning services.

Safe and Efficient Recovery

Drones offer several benefits when it comes to safe and efficient recovery after a storm. Instead of sending human workers to areas like damaged rooftops, drones can be used to inspect the damage without risking worker injuries. Drones can also quickly search for trapped or missing individuals who may have been caught in the midst of the disaster.

Cost-Effective Method

Drones are a game-changer in storm damage assessment and surveying as they are an affordable approach to thoroughly examining storm damage. Property owners and insurance adjusters can avoid hiring expensive manned aircraft or teams of adjusters to assess the damage. Drones are practical, can cover more territory than a human team, and are more cost-effective, making them a preferred option for property owners and insurance providers.

Heightened Precision

Drones utilize advanced technology for image and video capturing. They capture high-quality images, providing a more accurate representation of the damage. Furthermore, drones provide angled images and can access difficult-to-reach areas, providing well-composed footage and images of the storm damage from multiple angles. This way, both property owners and insurance providers receive a more in-depth and more precise assessment of the damages done.

Efficient Damage Documentation

Drones play a significant role in documenting storm damage. In some cases, time plays an important factor in the claims process. Drones can offer a faster and more cost-effective method of documenting damage, which is of great importance when investigating insurance claims. High-quality footage and still pictures captured by drones allow property owners and insurance adjusters to make more informed decisions, working together effectively to plan for suitable restoration and cleaning services.


Drones have revolutionized the storm damage assessment and recovery process. They play a tremendous role in ensuring property owners and insurance adjusters have the information they need to assess damages promptly and accurately. The use of drones in storm damage assessment reduces the risk of human injuries, provides a more cost-effective option for assessing the outreach of the storm damages, and importantly, facilitates a quicker recovery while ensuring property owners and insurers can make informed choices. Drones are taking storm damage assessment to a whole new level, making it safer and more efficient for everyone involved.

How to Safely Use Candles in Your Home and Business

8/16/2023 (Permalink)

A candle. Without proper safety precautions, candles can pose a serious fire risk.

Candles can create a cozy and inviting ambiance in both residential and commercial spaces. However, without proper safety precautions, candles can also pose a fire risk. To enjoy the beauty and warmth of candles while ensuring the safety of your home or business, it's essential to follow some guidelines. In this blog post, we will provide you with valuable tips on how to safely use candles, whether in your home or business setting.

Choose the Right Candles

Purchase candles from reputable manufacturers known for their safety standards. Look for candles with labels indicating that they are self-extinguishing and designed for safe use. Select sturdy holders made of non-combustible materials, such as glass, ceramic, or metal. This will ensure that the flame is securely contained. Consider using flameless candles, such as LED or battery-operated candles, as an alternative to traditional open-flame candles. These provide the same ambiance without the risk of fire.

Placement and Environment

Place candles at least 12 inches away from flammable materials, such as curtains, furniture, bedding, and paper products. Ensure that there are no loose fabrics or materials that could accidentally come into contact with the flame. Keep candles away from windows, vents, ceiling fans, and areas with drafts. Air movement can cause the flame to flicker and increase the risk of fire. Ensure that candles are placed on stable and flat surfaces that will not easily tip over. Avoid placing them on unsteady furniture or other precarious locations.

Fire Prevention Practices

Always extinguish candles before leaving a room or going to bed. Unattended candles are a significant fire hazard and can quickly escalate into a dangerous situation. Keep candles out of reach of children and pets. It's advisable to use flameless candles in spaces accessible to little ones or curious pets. Use a snuffer, candle lid, or a gentle blow to extinguish a candle's flame. Avoid blowing out a candle with force, as it may cause hot wax or sparks to scatter. Limit the number of candles in a small space to prevent overheating and potential fire hazards. Overcrowded candles can also increase the risk of accidental bumps or candle falls.

Maintenance and Precautions

Before lighting a candle, trim the wick to a quarter to half an inch in length. Long or uneven wicks can cause uneven burning and excessive smoke. Regularly check candles for signs of excessive soot, uneven burning, or any abnormalities. Discontinue use if you notice any issues with the candle's performance. Keep a fire extinguisher, a working smoke detector, and a fire alarm system installed and maintained in your home or business. Have an evacuation plan in place and conduct fire drills regularly.

Candles can add warmth and ambiance to any home or business, but it's important to prioritize safety when using them. By choosing high-quality candles, placing them in safe locations, following fire prevention practices, and taking necessary maintenance and precautions, you can enjoy the beauty of candlelight without compromising safety. Remember, a small flame can quickly become a significant fire, so practicing caution and being attentive is essential to keep your home or business protected from potential candle-related fires.

How To Replace a Toilet - Step-by-Step Guide

7/27/2023 (Permalink)

Replacing a toilet may seem like a daunting task, but with the right tools and a little know-how, you can successfully complete this home improvement project. Whether you're looking to upgrade your bathroom or need to replace a malfunctioning toilet, this step-by-step guide will walk you through the process of replacing a toilet and ensure a smooth and successful installation.

Step 1: Turn Off the Water Supply

Locate the shut-off valve behind the toilet and turn it clockwise to shut off the water supply. Flush the toilet to drain any remaining water from the tank and bowl. Use a bucket and sponge to remove any excess water in the bowl and tank.

Using an adjustable wrench, disconnect the water supply line from the bottom of the toilet tank. Be prepared for a small amount of water to drip, so keep the bucket handy to catch any spills.

Step 2: Remove the Toilet Tank

Loosen the nuts on the bottom of the tank using a wrench or screwdriver. Carefully lift the tank off the bowl and set it aside. If there is any remaining water in the tank, pour it into the bucket.

Remove the caps covering the bolts at the base of the toilet. Using a wrench, unscrew and remove the nuts from the bolts. Gently rock the toilet bowl back and forth to break the seal between the bowl and the floor. Once loose, lift the bowl straight up and place it on a towel or old newspaper to prevent any water or debris from spilling.

Step 3: Clean the Wax Ring and Flange

Remove the old wax ring from the flange on the floor using a putty knife. Clean any residue or debris from the flange to ensure a smooth and secure seal for the new wax ring.

Place the new wax ring onto the flange with the tapered side facing up. Insert the closet bolts into the slots on the flange, making sure they are positioned evenly and aligned with the holes in the toilet bowl.

Step 4: Position the New Toilet Bowl

Carefully lower the new toilet bowl onto the wax ring and align it with the closet bolts. Apply even pressure to compress the wax ring and create a watertight seal. Once in position, sit on the bowl or press down firmly to secure it.

Place the washers and nuts onto the closet bolts and tighten them by hand. Use a wrench to further tighten the nuts, being careful not to overtighten and crack the toilet bowl.

Step 5: Install the Toilet Tank

Place the rubber gasket onto the flush valve opening at the bottom of the tank. Carefully lower the tank onto the bowl, aligning the bolts with the corresponding holes. Secure the tank to the bowl by tightening the nuts underneath.

Attach the water supply line to the fill valve on the bottom of the toilet tank. Use a wrench to tighten it securely, but avoid over-tightening.

Step 6: Test for Leaks and Adjust

Turn on the water supply valve and let the tank fill. Check for any leaks around the base of the toilet, the water supply connection, and the tank. Use a level to ensure the toilet is sitting evenly, and make any necessary adjustments by tightening or loosening the nuts and bolts.

By following these step-by-step instructions, you can confidently replace a toilet and enjoy a functional and efficient bathroom fixture. Remember to exercise caution, take your time, and pay attention to detail throughout the process. If you encounter any difficulties or feel unsure about any step, don't hesitate to consult a professional plumber for assistance. With a little effort and the right tools, you'll have a brand-new toilet installed and ready to use in no time.

Protecting Your Business: Understanding Commercial Storm Insurance Coverage

6/6/2023 (Permalink)

rain and storm water Commercial storm insurance is an important insurance to have to protect your business.

When a commercial property is hit by a storm, the damage can be devastating. From broken windows and water damage to structural damage and even total destruction, storms can wreak havoc on any business. That's why many commercial property owners invest in storm insurance to protect themselves from financial losses due to storm damage.

But what exactly does commercial storm insurance cover? In this blog, we'll break down the basics of commercial storm insurance, including what it covers and how it works.

What is commercial storm insurance?

Commercial storm insurance is a type of insurance that provides coverage for damage to commercial property caused by storms, such as hurricanes, tornadoes, and severe thunderstorms. This type of insurance can cover a variety of different types of damage, including wind damage, hail damage, water damage, and more.

What does commercial storm insurance cover?

The coverage provided by commercial storm insurance can vary depending on the policy and the specific needs of the business. However, there are a few key areas that are typically covered by this type of insurance:

  • Property damage: Commercial storm insurance can cover damage to the physical structure of the property, including the roof, walls, windows, and doors. This can include damage caused by wind, hail, and other storm-related hazards.
  • Business interruption: If a business is unable to operate due to storm damage, commercial storm insurance can provide coverage for lost income and other expenses related to the interruption.
  • Contents coverage: Commercial storm insurance can also cover damage to the contents of the property, such as equipment, inventory, and furniture.
  • Additional living expenses: If a business owner is forced to temporarily relocate due to storm damage, commercial storm insurance can provide coverage for additional living expenses, such as hotel costs and food expenses.
  • Liability coverage: In some cases, commercial storm insurance can also provide liability coverage for injuries or damages caused by storm-related hazards on the property.

How does commercial storm insurance work?

When a business owner purchases commercial storm insurance, they pay a premium to the insurance company in exchange for coverage. If a storm causes damage to the property, the business owner can file a claim with their insurance company to receive compensation for the damages.

The insurance company will typically send an adjuster to the property to assess the damage and determine the amount of compensation that the business owner is entitled to. Once the claim has been processed and approved, the insurance company will provide the business owner with a check to cover the cost of repairs, lost income, or other covered expenses.

Commercial storm insurance is an important type of insurance for any business that wants to protect itself from the financial losses caused by storm damage. By providing coverage for property damage, business interruption, contents, and liability, this type of insurance can help business owners get back on their feet after a storm. If you're a commercial property owner, it's important to speak with an insurance agent to determine the right type and amount of coverage for your business.