What To Know About Commercial Property Insurance
Commercial property insurance protects both your building and equipment
Questions You May Have About Commercial Property Insurance
If you own a business or building in Prairie Du Chien, WI, then you should invest in commercial property insurance. Proper insurance can help you get things back up and running after a fire. This type of commercial insurance can be applied to:
- Service businesses
You may have some questions about commercial property insurance. Below are the answers to some common queries.
What Is Commercial Property Insurance?
Commercial property insurance protects both your building and equipment from covered perils such as fires. When one of these disasters strikes, they can cause millions of dollars in damages.
If you don’t have proper insurance, you could be forced to pay for the repairs yourself. This could greatly affect your profits.
While this property insurance can be costly, the expense is thus worth it in the long run. You can even deduct the cost of your premiums.
What Parts of the Property Should Be Insured?
Ideally, you should insure everything on your property that is vulnerable to fire damage. Commercial insurance can be applied to the building itself along with the equipment inside of it. You can insure the office equipment even if it is leased. You may also want to purchase insurance for any essential records or inventory you keep on your property. Satellite dishes, fences, signs, and landscaping can be insured under a commercial policy, as well.
How Do Companies Calculate Insurance Rates?
Your specific insurance premiums depend on several factors. Businesses such as auto repair shops or restaurants are at greater risk of fire and may have higher insurance rates. However, fire-resistant buildings that have mitigation measures such as sprinkler systems may cost less to insure.
Commercial insurance is a necessity for any business. Property insurance, in particular, can help you pay for cleanup and restoration services following a fire. You should thus insure both your building and any assets or equipment inside of it.
Should You Save or Toss Your Belongings After Mold Damage?
Mold damage in Village of Friendship, WI
If your Village Of Friendship, WI, home has recently suffered mold damage, you know what it is like to find sentimental objects near ruin. The question of what to do with these and other possessions often comes up after someone experiences large amounts of mold in his or her home. Although mold remediation professionals offer assistance cleaning certain types of belongings, not all items are salvageable.
What To Throw Away
Before mold cleaning, any items with porous surfaces that are already moldy will need to get thrown away. Porous items include:
- Foam padding
- Stuffed animals
- Upholstered furniture
- Box springs
Additionally, you will need to go through all of your paper items, such as books and photos, and throw away anything with mold on it. However, if you find damaged sentimental belongings that you wish to keep, there are several ways you can preserve those items. They will all require hiring a professional to either freeze or dry the objects and remove the mold.
Lastly, you will want to throw away any food and food preparation items that have come into contact with mold. While your mold cleaning crew can take care of some of your appliances, there may be a few remaining that are not salvageable. Failing to remove these items can lead to mold spreading throughout your home once again.
What To Save
Items that have a solid surface, such as metal, glass or plastic, are easy to save, even if they have come into contact with mold. Similarly, fabrics, such as curtains and clothing, that have no visible damage can be washed and kept. Leather items, such as furniture or clothing, can also be saved. It may be wise to hire mold remediation professionals to decontaminate these products.
Begin going through your items as soon as your mold cleaning professionals tell you that it is safe, and be mindful of what can be kept and what must be tossed. Porous items, paper goods, and cooking devices must often be thrown away while solid products can generally be saved.
Flood Safety Tips
To avoid the risk of shock, turn off the power to the house if you can safely do so
How To Keep Yourself Safe
As a homeowner in New Lisbon, WI, it is a good idea to know some flood safety. In the event you experience a flood around your home, knowing what to do can benefit your peace of mind, health, property, and pocketbook. By taking the three precautions listed below, you can help keep yourself safe.
1. Do Not Enter
Floodwaters can carry an assortment of bacteria, viruses, parasites, and chemicals. Often, you cannot tell by the way the water looks or smells if dangers are present. Even clean-looking water can contain microscopic hazards. For proper flood safety, always treat flood water as if it poses a hazard. Do not enter unless absolutely necessary, and if you must enter wear protective gloves and clothing.
2. Clean and Disinfect
Once the water has receded and dried, you will need to thoroughly clean and disinfect the area. The faster the area can be dried, the less likely it is that mold will have a chance to form. Once the debris has been cleaned away, use a solution of one-fourth cup chlorine bleach to one gallon of water. Bleach is a powerful disinfectant and is also effective against mold.
3. Turn Off Electricity
Common safety tips include not mixing water with electricity. To avoid the risk of shock, turn off the power to the house if you can safely do so. Appliances, outlets, and even the wiring inside the walls must be dry before you can safely turn the electricity back on. Before turning the electricity on, have the system inspected by a professional to make sure it is safe.
By following some best practices in flood safety, you can avoid causing further damage to yourself or your property. If you have experienced a home flood and need help restoring your property to its pre-flood condition, an expert flood remediation company can help. By choosing a company that is Faster to Any Size Disaster, you can get back to normal as quickly as possible.
Emergency Response for Restaurants in Adams, Crawford, Vernon, S. Monroe & S. Juneau Counties
After speaking with many different facility managers, during this work from home order, we have learned what is important to them during an emergency situation. Four topics that really stuck out were Discovery, Preparedness, Response, and Recovery.
Discovery. Helping the managers identify potential threats that may include whether or not they are in a weather sensitive area, is a possible scenario. Once all possibilities are identified, it is now necessary to gather building information and communication.
Preparedness. Using SERVPRO's Emergency Response Plan, we can put important information into one location. Key contacts need to be able to mobilize in a moment's notice when there is a situation. Even across different time zones, SERVPRO is a reliable vendor with scalable resources that can support multiple locations.
Response. Restaurant staff and key contacts should conduct practice sessions to make sure that everyone is clear on the processes. Always having clear lines of communication, evacuation routes, and personnel identified, will create a quicker flow during a time of chaos. The quicker you can can access necessary information and communicate, the quicker SERVPRO can respond with service, reducing the likelihood of secondary damages, ultimately reducing downtime and overall costs.
Recovery. While remaining proactive, SERVPRO will be there to help get your restaurant operational again. By keeping your Emergency Ready Profile up to date with current building changes and utilities, SERVPRO can always be ready to be "faster to any disaster".
Have questions on you can get your FREE Emergency Ready Profile? Give us a call at
Cleanup After a Fire Should be Done by Professionals
As a leader in fire and water cleanup and restoration, our number one goal is returning damage to its preloss condition, doing all we can to make it "Like it never even happened." Every technician who steps onto a job has this goal in mind. It's about total restoration of the damage and about the life of the customer being helped.
Once a call is made and information is gathered, a SERVPRO employee will contact you within one hour to arrange for service.
Within four hours, a trained professional will arrive on-site prepared to begin emergency mitigation services if necessary.
The loss site will be reviewed with you, and your questions and concerns will be addressed.
Your trained professional will begin pre-testing for restorability from the source of the fire outward. By pre-testing, SERVPRO will be able to answer four questions:
- What is unrestorable?
- What is restorable and what methods of restoration will be most effective?
- What areas and items are unaffected?
- What areas need to be reviewed by the adjuster or property owner?
The scope of the project is then communicated to you and your adjuster if a claim has been filed. Your adjuster will receive an initial estimate.
According to your policy, restoration services can begin by SERVPRO technicians.
After the work has been completed, a final walk-through will be conducted to help ensure your satisfaction.
Like it was never dirty, like it never overflowed, like it never caught fire, like it never spilled, like it never smoldered--whatever the case, with SERVPRO, our goal is to make it "Like it never even happened."
Questions? Let us know at 608-487-9758.
No Water Damage is Too Big or Small
When a water pipe breaks unexpectedly, call in the pros of SERVPRO to get it taken care of immediately.
The first 24 hours following a water intrusion are the most important in preventing secondary or permanent damage. Within four hours of loss notification, a SERVPRO technician is onsite to help ensure a water damage is handled by completing the following steps.
Inspection. A SERVPRO technician will inspect affected areas to determine the extent of the water damage and will review the findings with you to answer any questions before beginning any work.
Emergency Services. Technicians are trained to take steps to help protect your home or business, as well as personal belongings and other contents, from further damage by extracting excess water and prepare the area for drying. They will explain the needed emergency services to you step-by-step.
Monitoring. To help ensure your home or business and belongings are dried to appropriate industry standards, a SERVPRO technician will monitor the drying process. The updates will be consistently communicated to you.
Restoration Services. SERVPRO will repair structural materials, reinstall carpets, and clean affected areas of your property and belongings, if we can. A final walk-through of the job site will be conducted with you to help ensure the property was returned to preloss condition.
SERVPRO is the trusted choice for hundreds of insurance companies nationwide, because they know SERVPRO has the experience to do the job right.
Go ahead and try us...608-487-9758
More than Just Fire and Water Cleaning
A local neighbor caught our team in action cleaning out a not-so-great house.
With everything that is going on, we wanted to let you know that SERVPRO of Adams, Crawford, Vernon, So. Monroe, and So. Juneau Counties is still doing the things that not everyone wants to do.
Recently, a neighbor caught our team doing some work in a not-so-great home. Our team worked with city to clean out this house, clean up the yard, and get it ready for the next step.
Our team arrived on-site geared up in personal protective equipment ready to work. They moved throughout the home being sure that they got everything that they were supposed to according to the scope. Our team finished the job in one day and not only was the city happy, but so were the neighbors.
We are still here working hard each and every day to cleanup your #fire #water and #sewer messes. Give us a call if you need an extra hand at 608-487-9758.
SERVPRO is Here to Help during this time of need.
SERVPRO is following CDC regulations to keep our team mates and those we serve safe.
During this unprecedented time caused by the global pandemic of coronavirus, this is a reminder to our customers that we are specialists in cleaning services, and we adhere to the highest cleaning and sanitation standards.
We are prepared to clean and disinfect your home or 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.
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
- Retail Spaces
- Water Fountains
- Sales Counters
- Carpets and Rugs
- Stair Handrails
- Elevator Cars
- Playground Equipment
- Fitness Equipment
The CDC recommends usage of a labeled hospital-grade disinfectant with claims against similar pathogens to the coronavirus. 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.
Call Today for a Proactive Cleaning
If your home or business needs deep cleaning services, call the experts today – SERVPRO of Adams, Crawford, Vernon, South Monroe, and South Juneau Counties at 608-487-9758
When Winter Hits Hard
Not being mindful of the pipes along outside walls during negative temperatures can be an expensive lesson to learn.
When winter comes-you can have "faith" in SERVPRO. Frozen pipes that can break and cause flooding as well as other types of water and fire damage that can cause trouble to your home or business are never convenient.
At SERVPRO, "we can manage the damage" and have been helping customers deal with disaster for over 50 years. SERVPRO has the Experience, Equipment, and Expertise.
Besides water and fire damage, we do mold mitigation and remediation; move outs and content restoration. We can handle document drying, but we also clean carpets, upholstery, drapes, and hard floors. We can tackle bio-hazard, crime scene, and vandalism which can include board-ups. We service Adams, Crawford, Vernon, Monroe, Juneau Counties, everywhere in between, and along I-90. Please call your #WeAreLocal GREEN team at 608-487-9758 if you have any questions.
Four Common Causes of Indoor Flooding in the Adams, Crawford, Vernon, South Monroe, South Juneau Counties Area
From dishwashers, to toilets, to washing machines, SERVPRO has you covered with the mitigation cleanup.
A long time ago, before indoor plumbing became a huge success, there wasn't a huge threat of water in the home.
Nowadays, with multiple bathrooms, wash machines, dishwashers, ice makers, and sinks, our homes and businesses are filled with pipes bringing water in and out. Indoor flooding is one of the leading causes of water damage and can be successfully mitigated by SERVPRO of Adams, Crawford, Vernon, South Monroe, South Juneau Counties.
- Leaking or broken pipes are the most obvious cause of indoor flooding. Changes in water pressure or faulty setup can cause pipes to burst.
- Water heaters are a necessity in our homes for showering or washing dishes. Even a small leak in a tank that holds 250 gallons at any given time, can cause major flooding due to the endless flow. Keeping on the maintenance of your heater is a good practice to get into.
- Minor clogging and slowing down of drains may be an inconvenience, but over time if left, these clogs can cause potentially big damage.
- Washing machines are a nice thing to have in your home due to their convenience and ease. The most common problem found with them, though, is a leaking intake hose and can worsen over time.
You can’t control when a flood hits your home or business. Thankfully, if you can recognize the common causes of indoor flooding, you’ll be prepared to prevent floods before they happen and handle them when they strike.
If you are in need of water mitigation services in the Adams, Crawford, Vernon, South Monroe, South Juneau areas, give your #WeAreLocal GREEN Team a call for help 608-487-9758.