How to Prevent Space Heater Fires
If you don’t have a space heater already but want to buy one, consider getting one with an auto shut-off feature.
According to the NFPA, heating is the second leading cause of home fires in the United States. Your space heater could likely cause a fire more than anything else in your home. We implore you to continue reading below so that you know how to prevent space heater fires.
Whenever a fire occurs in your home, contact the experts over at SERVPRO of North Richland Hills. Our team can provide you with reliable and fast fire damage restoration services in Fort Worth.
Inspect Your Heater’s Power Cord
Examine your space heater’s power cord and look closely at the rubber casing wrapped around the wiring. Also, look for any signs of fraying at the cord and do not touch any exposed wires without protective gear (i.e. rubber gloves).
Check Your Power Supply
Take a close look at the electrical socket that’s used to power your space heater. If there are any signs of damage, charring, or discoloration on the socket, don’t use it to power your heater.
A damaged outlet may have a technical fault that will cause space heater fires and can be a shock hazard.
Refuel Your Space Heater Outside
Some space heaters will need fuel — such as kerosene — to operate. When you need to refuel your space heater, do it outside and away from your home. Even better, refuel your heater in an area with no flammable objects nearby.
As you are fueling, always wear thick gloves and a mask so you don’t inhale any harmful fumes.
If a fire does occur and damage is dealt to your property, call us right away for our fire damage restoration services.
Buy a Space Heater With Auto Shut-off
If you don’t have a space heater already but want to buy one, consider getting one with an auto shut-off feature.
The best way to prevent a space heater fire is to get one that will recognize the potential danger. Space heaters with an auto shut-off feature will activate when overheating or a malfunction occurs.
Give Your Space Heater Some Room
Keep your space heater away from clutter and with plenty of space around it.
While your space heater’s exterior plastic will protect it from burning, flammable objects nearby can be set ablaze. For this reason, it’s best you keep your space heater away from anything even remotely flammable.
Use a Space Heater Appropriately to Prevent Fires
Each space heater model is designed to operate differently. Besides following the aforementioned tips, the best thing to prevent a space heater fire is to learn how your unique device works. Thoroughly read the instruction manual so that you know how to operate your heater correctly to prevent fires.
If your home has been damaged in a fire, call SERVPRO of North Richland Hills at (817) 589-1499. With our expertise, we can provide you with the fire damage restoration services you need.
Quick Tips for Storm Safety in DFW
By following these tips, you'll be able to stay safe during any storm DFW throws your way.
Storms are a natural part of life, but they can also cause lots of damage to your home. You might be able to get through a hurricane or tornado safely, but that doesn't mean you're in the clear yet.
If you live in or near North Richland Hills, TX, SERVPRO is here to help you with any water damage restoration issues that may arise from a storm. We have been serving this community since 2006 and we're proud of our A+ rating from the Better Business Bureau.
Here are some tips for staying safe during the next storm in DFW!
Tip #1: Find shelter
One of the most important things you can do during a storm is getting to safety. If you're at home, go to an interior room on the lowest level that doesn't have any windows - like your laundry room or small bathroom. If you're working or just don't have access to one of those rooms, head for an interior room on the first floor with no windows. Keep in mind that a second-story room is even safer if you have access to it.
If you're outside during a storm, stay away from trees and telephone poles, as the strong winds could cause them to fall over. Finally, remember that high water areas are dangerous - if you see water rising around you, move to higher ground immediately.
Tip #2: Turn off your power
It may seem like common sense, but you need to shut down all electronic devices before the storm hits if you want to avoid water damage. Even if it's sunny outside, leave your electronics unplugged until everything has dried out. That includes your lights, television, radio, computer, and whatever else you have in your home.
Any device that gets wet should be unplugged immediately. Generally speaking, if it's plugged into an outlet or connected to a power cord - leave it alone until you're absolutely sure the storm is over.
Tip #3: Move your car
If you have a garage, try to park your car inside. If that's not possible, move it as close to the house as you can during the storm. The last thing you want is for it to get damaged by debris or flooding!
Tip #4: Use a disaster relief kit
In the event of a storm, you want to have everything you need right in front of you so it's easy to grab and go. SERVPRO recommends having a disaster relief kit filled with necessary supplies for your family. Remember that you can't replace sentimental items - but if they've been damaged, call SERVPRO anyway and we can help you work around that.
You should have a disaster relief kit that includes water and non-perishable foods, cash and credit cards, first aid supplies, blankets or sleeping bags, a flashlight and extra batteries, copies of important documents in a waterproof container, prescription medicine if needed, pet food and leashes or carriers for your animals, and copies of family contact information.
By following these tips, you'll be able to stay safe during any storm DFW throws your way. Get in touch with SERVPRO Fort Worth Water Damage Restoration experts if you notice any water damage after the storm has passed! Call us today at (817) 589-1499 for more information on our restoration services.
Suspect Mold? Follow These Mold Safety Tips for Your Fort Worth Home
Sometimes, the only way to get rid of a mold problem is to reach out to a professional mold removal contractor.
Mold doesn’t need perfect environmental conditions to get started and is very common in and outside homes. Supplied with just a little warmth, water, or moisture, it can quickly begin to spread throughout your house. And, once it gets started, safely removing mold can be challenging. The three tips we’ll share with you will help you deal with mold without putting your health in danger. Use Proper Equipment When Cleaning
When removing mold, use a half-face respirator paired with a proper mold filter. As you remove mold from your walls, spores will get into the air and your lungs unless you wear a mask. Wearing the appropriate mask and filter can eliminate up to 99.9% of mold particles.
If you want to go a step further, you can purchase a full-face mask, but this is a more expensive and often unnecessary choice. Additional protective equipment includes rubber gloves, protective eyewear, and full-body clothing.
Inspect Your HVAC System Before Cleaning the Mold
When cleaning the mold, especially with harsh chemicals like bleach, you want to have proper ventilation. That said, don’t use your HVAC system unless you are entirely sure that it’s not contaminated with mold.
In mold-infested households, HVAC systems are seldom free from mold. Most often, mold appears near the intake to the system. So, before cleaning the mold or applying any harsh chemicals, check if your HVAC can run without potentially spreading mold throughout your entire household.
Don’t Vacuum the Mold.
Vacuuming can temporarily increase your exposure to mold spores. As the spores can pass through an ordinary vacuum bag, they’ll instantaneously end up in the air and can stay there for hours, sometimes days. Only vacuum the mold if you have a central vacuum that vents outside or a regular vacuum with HEPA filters that trap mold spores.
Need a Mold Specialist? Contact Us Today
Sometimes, the only way to get rid of a mold problem is to reach out to a professional mold removal contractor. If you’ve found yourself in such a situation, the mold removal experts at SERVPRO North Richland Hills can help you tackle your mold problem.
With extensive mold removal experience and the latest equipment, our professionals can take care of your mold problems and restore your home to a healthy, mold-free condition.
Don’t expose yourself to the detrimental effects mold can have on your health. Contact us today at (817) 589-1499 for prompt and efficient mold removal.
The 5 Levels of Hoarding and How to Recognize the Disorder
Depending on the severity, hoarding can impact a person’s physical and emotional health, relationships, financial and legal stability.
An estimated two to six percent of the US population suffers from hoarding disorder. Hoarding can create unsafe conditions for people and pets who live in the household.
At SERVPRO of North Richland Hills, our cleaning and restoration professionals understand the sensitive situations involved in hoarding. Contact us day or night for a free estimate on our emergency cleaning services at (817) 589-1499.
What Are the Levels of Hoarding?
People with hoarding disorder have a compulsive drive to find and keep objects, animals, and even trash — regardless of need or the item’s value. Some of the most commonly hoarded things are:
- Magazines and newspapers
- Appliances and electronics
Depending on the severity, hoarding can impact a person’s physical and emotional health, relationships, financial and legal stability. The disorder is categorized into five levels, with five the severest manifestation of the condition.
Level 1 Hoarding
Hoarding level one is the least severe form of the disorder and can be difficult to recognize until it reaches more severe levels. At this level, you’ll find:
- Some clutter and no discernable odors
- Doors and stairways are accessible
- Three or fewer areas with animal waste in the home
The lack of odors and clutter can be misleading. But in this level of hoarding, the individual may have trouble throwing away items and excessively shop.
Level 2 Hoarding
At this level, there is more visible clutter, odor, and grime in the home.
- Light odor
- Animal waste on the floor
- Evidence of rodent or insect infestation
- Overflowing trash bins
- Unclean food preparation surfaces
- At least one blocked exit
- Non-working appliance for at least six months
Hoarding level 2 sufferers are often embarrassed at the state of their home and avoid visitors. They may also be anxious or depressed.
Level 3 Hoarding
Level 3 hoarding involves clutter outdoors, typically broken appliances and furniture.
- At least one unusable bedroom or bathroom
- Spills and stains on floors and surfaces
- Excessive dust and debris
- Dirty towels, clothing, and sheets
- Tangled cords from blocked electrical outlets
- Noticeable odor
- Pest infestations
- Animal feces throughout the home
Poor personal hygiene is often present in level 3 hoarding.
Level 4 Hoarding
Homes in this hoarding level will have noticeable mold and odor, along with structural damage. Sewage backup is also a possibility. Animal hoarding may also be an issue with hoarding level 4.
- Rotting and expired food
- No clean dishes or eating utensils
- Rodents and bugs
- Unusable bedrooms and bathrooms
- No clean bed sheets or no bedding present
- More than one blocked doorway and blocked exits
- Unsafe substances stored in living areas
- Excessive odor
- Noticeable animal waste
Sadly, people with level 4 hoarding will often experience health problems related to unsafe and unhygienic living situations. They may not bathe or shower for weeks and have worsening mental health.
Level 5 Hoarding
Structural damage to the house is typically present in the most severe manifestations of hoarding disorder. Lack of electricity and running water, and fire hazards are also common in level 5 hoarding.
In addition to the signs present in level 4 hoarding, other symptoms may include:
- Animal and human waste throughout the home
- Clutter throughout the house, resulting in narrow pathways
- Unusable kitchens, bedrooms, and bathrooms
- Non-working appliances, including HVAC and refrigeration
People with level 5 hoarding can also suffer from clinical depression.
Hoarding is a severe disorder, and homes in these conditions typically require professional biohazard cleanup and restoration.
At SERVPRO of North Richland Hills, we can repair and restore homes to livable condition. Contact our Fort Worth at (817) 589-1499 24/7 for a free cleaning bid on our Biohazard Cleaning Services.
What’s the Difference Between Mold Removal and Mold Remediation?
Mold is a pervasive organism that can be tough to remove but not impossible.
Uh oh. Those aren’t stars you’re seeing. They’re mold spots on the wall. Mold is a pervasive organism that can be tough to remove but not impossible. If you’re looking for professional help to get rid of stubborn mold, you’ve probably come across the terms mold remediation and mold removal in your search.
So, what’s the difference? And how will it impact your wallet and time spent waiting for a mold-free building? We’ll explore the difference between mold removal and mold remediation below.
Let’s Get This Mold Myth Out of the Way First
Mold is everywhere. It plays an important role in the breakdown of organic material. So the bottom line is, you can never completely get rid of mold in the environment.
If a company tells you they will completely get rid of the mold, and it will never return, they’re not being entirely honest with you. Mold is all around us. If you have mold professionally cleaned and removed from your property, you have to do your part to ensure that it doesn’t regrow.
What Mold Needs to Grow
Mold needs high humidity levels and an organic food source to grow. You’ll need to keep humidity levels below 50% to prevent mold from forming a colony and impacting your indoor air quality.
Spills, leaks, and floods must be cleaned asap — within 48 hours — to prevent mold from forming. Unfortunately, mold also likes to munch on paint. Use a mold-killing primer to stop mold from growing on the walls.
The bottom line is, a professional company like SERVPRO North Richland Hills can clean and remove mold from your home or commercial building. But if you don’t keep humidity levels low, then the mold will return.
The Main Difference Between Mold Remediation and Mold Removal
These terms are often used interchangeably in the restoration and construction industry. But essentially, mold removal is the physical process of removing mold spots and colonies. Mold remediation focuses on returning mold to normal levels that don't impact air quality.
Bear in mind that complete removal of mold spores is impossible. This is because spores are microscopic and are prolific in indoor and outdoor air. But keeping humidity levels at an acceptable level will prevent the mold spores from taking hold and forming spots and colonies where they start to break down materials, causing further damage to your property.
Professional Mold Remediation and Removal
If you were to contact a professional company for mold remediation and removal, what they’ll do is engage in the process of cleaning the mold, restoring any damaged materials, and returning the mold to acceptable levels.
This may include disaster cleanup after a flood or water damage from extinguishing a fire. Or cleanup from plumbing and roof leaks.
Mold Remediation in North Richland Hills
Are you dealing with unsightly mold spots in your home or commercial building? Our professional mold remediation services can get your building restored to a mold-free state in a jiffy.
We’re available 24/7. Give us a call at (817) 589-1499 for a free estimate.
Top Tips for Removing Cigarette Odor from Your Home for Good
Tobacco smoke is a stubborn and stinky villain that can make a home unpleasant.
If you or someone who previously lived in your house smoked, removing that stubborn cigarette odor can seem overwhelming. But you can do it with these top tips for removing cigarette odor from your home.
Why is Cigarette Odor so Pervasive and Stubborn?
Smells are molecules. And smoke smells are some of the smallest odor molecules in the world. So removing them can be difficult. In addition, these tiny molecules can dig deep into porous materials like wood and upholstery, making them incredibly difficult to eliminate, but not impossibly so.
To permanently and effectively remove cigarette and smoke odors, you have to attack them on a molecular level. Burning candles and essential oils will only mask the smell temporarily. Ventilating a house can dilute the odor, but again, that’s not a permanent solution.
- Don’t use odor-masking cleaners. Use disinfectant cleaners that actually kill the smoke molecules.
- If you can’t stand the smell of white vinegar, mix a few drops of lavender essential oil in it.
- Baking soda will naturally remove odors. Sprinkle it liberally on textiles, mattresses, and wood furniture. Let sit for at least 24 hours, then vacuum. You can also place bowls of baking soda throughout the home to absorb odors.
- Placing activated charcoal around the house can also absorb the odors.
Tips for Removing Cigarette Odor From Your Home
- Wash and scrub the walls and windows, including screens, with a white vinegar solution.
- If your budget allows, prime the freshly washed walls with an odor-killing primer and paint.
- Wash all interior, hard surfaces, such as countertops, tiles, backsplashes, trim, etc., with mild soap and then rinse with a vinegar solution. Remember to tackle the insides of cabinets and drawers.
- Wash all clothing and drapery. Add one cup of white vinegar to the wash to help remove lingering smoke odors in the fabric.
- Wash and clean all decorations and knick-knacks with a vinegar solution.
- Disinfect and deodorize all textiles, such as carpets, furniture, and mattresses with steam or other cleaning equipment.
- If your budget allows, remove carpets and replace them. Don't replace it with new carpeting until the smoke odor is effectively removed. Otherwise, the new carpet will trap the odors and begin to smell too.
- Have all ductwork and HVAC equipment professionally cleaned. Change filters once per month for one year.
Removing Cigarette Smoke Odor FAQs
I cleaned my wood furniture, but the smell keeps returning. What should I do?
Wood is a very porous material and absorbs odors like a sponge. When it's hot and humid, the wood will expand and release any smoke molecules trapped inside. Unfortunately, it can take a long time for these odors to completely dissipate.
Consider sealing the wood furniture with a clear primer designed for odor removal to trap the smell inside.
Can spraying Febreze remove smoke smells?
Yes. Febreze includes a chemical called cyclodextrin, which is effective at absorbing odors.
Should I use an ozone generator to remove cigarette odor?
An ozone generator can reduce smoke smells in the home. But these are pricey products, and if you misuse them, they can be dangerous. So it’s worth it to pay a professional who is trained in using ozone generators if your DIY smoke removal hasn’t worked.
Removing Cigarette Odor from Your Home: Key Takeaways
Tobacco smoke is a stubborn and stinky villain that can make a home unpleasant. If you’re looking to sell your house, then you’ll want to do your best to remove any lingering odors, so you protect its value and get it off the market quickly.
It’s not a matter of using one odor-killing product and washing walls. Instead, you’ll need to use all of the tips on this list to thoroughly remove the smoke.
We’re always here and happy to help. If you don’t have the time or energy to tackle smoke smells, we’re here for you.
Contact us today at SERVPRO North Richland Hills at (817) 589-1499 for a free estimate on our full suite of cleaning and odor removal services.
Preparing for Summer Storms in Texas: Top Tips from the Pros
Texas is the second-largest state in the US, and summer is the peak storm season in the Lone Star State.
Texas is the second-largest state in the US, and summer is the peak storm season in the Lone Star State. Such a large area means a diverse climate that can cause wind, hail storms, hurricanes, wildfires, and tornadoes. With that said, here are our top tips for preparing for summer storms in Texas.
Preparing for Severe Thunderstorms and Lightning in Texas
Before a severe storm hits, think about where you would seek shelter.
- Shelter in a sturdy building
- Stay inside and away from windows and glass doors.
- Do not drive on roads covered in water
- Steer clear of metal objects, wiring, and any surfaces that conduct electricity
Preparing for Hurricanes
June to December is hurricane season in Texas. Take these tips to prepare if a hurricane heads your way.
- Board up and shutter windows and doors
- Make sure you have your emergency kit or bug-out bag ready to go.
- Turn off and secure your utilities and electronics.
- Know where to evacuate and how to get there safely
- Stay away from flood-prone areas.
- Shelter in a sturdy building away from windows until the storm passes
Preparing for a Texas Hailstorm
Severe Texas storms can bring on hail. Prepare for a hailstorm with these tips:
- Stay inside and away from the windows and glass doors.
- Park your vehicles in a garage
- If you don’t have access to a garage, shelter in a parking garage.
- Do not park under a bridge or an overpass to protect your car from hail. These areas do not protect from the strong winds seen in hailstorms.
Preparing for Tornadoes and Strong Winds
On average, 132 tornadoes hit Texas every year.
- Secure outdoor objects before the tornado hits
- Seek shelter in a sturdy building asap. Do not shelter in a mobile office or a trailer.
- Shelter in an interior room on the lowest level of the building.
- Typically, closets and bathrooms are the safest places to shelter.
- Don’t shelter under a bridge or overpass.
Tips for Preparing for Droughts and Wildfires
Unfortunately, all areas in Texas are at risk of drought. When droughts occur, wildfires are a severe risk for Texas residents. Keep these top preparation tips in mind if a drought or wildfire occurs.
- Keep landscaping and decking five feet or more away from your house or business. This creates a wildfire barrier.
- Make sure fire hydrants are located 250 feet or less away from your building. Install a cistern or water storage tank on your property if you don’t have access to a fire hydrant.
- If renovating, use fire-resistant materials
- Keep a fire extinguisher in your house handy at all times.
Preparing for Summer Storms in Texas: The Bottom Line
Summer is a time for fairs, amusement parks, vacations, and fun. But volatile summer weather can also bring dangerous storms. An ounce of prevention is worth a pound of cure. Adequately prepare your property and keep your loved ones safe with these top tips.
Has your commercial building or home been damaged in a flood, fire, or storm? We’re available 24/7 to assist.
Contact us at (972) 690-1414 day or night for a free estimate on your damage restoration services.
How to Prepare for Hurricane Season in Fort Worth: Our Top 5 Steps
At SERVPRO North Richland Hills, we help people clean up disasters and restore their buildings to clean, safe conditions.
June to November is hurricane season in the US. For Fort Worth property owners, there are several things you can do to prepare your property for a hurricane. Failing to get your home or commercial building adequately prepared for high-force winds, rain, and falling debris can seriously damage your property and cost thousands.
At SERVPRO North Richland Hills, we’ve been helping people clean up disasters and restore their buildings to clean, safe conditions. Give us a call today at (817) 589-1499 for a free estimate on our storm and Water Damage Restoration Services.
Preparing for a Hurricane
Step #1: Stock Your Emergency Kit
If you haven’t yet, get your emergency kit stocked with the essentials. Include:
- Drinking water
- Non-perishable foods
- First-aid supplies
- Extra batteries/external battery pack
- Phone chargers
- A radio
- Several days worth of medication for each family member
Step #2: Devise Your Emergency Plan
When a hurricane hits, where will everyone go? Who’s in charge of the pets? Make sure you devise a plan, so everyone in the family knows what to do, where to go, and when.
Step #3: Secure Important Documents
Collect and secure your important documents, such as:
- Birth certificates
- IDs and passports
- Marriage licenses
- Insurance policies
- Mortgage statements
- Medical files
Also, consider gathering and securing family heirlooms and other valuables such as jewelry or antiques. Store everything in a safety deposit box or a fire and water-proof safe.
Be sure to include in your emergency plan the steps you’ll take to move your valuables and who’s job that is if a hurricane strikes.
Step #4: Check-in with the Emergency Management Agency
Know where to go if the area gets evacuated. The American Red Cross offers a free app you can download to keep informed and connected with your loved ones during a natural disaster. FEMA also has an app with information on free resources you can use if a hurricane hits Fort Worth.
Step #5: Secure Your Building
Hurricane-force winds can knock down gutters and blow loose items around your yard, damaging your house and even shattering windows and glass doors. So, remove loose furniture, ornaments, and other items from your yard and store them in a secure place.
Do a last-minute check of your gutters and remove debris that could become water-logged and tear away from the house during a storm.
We’re Ready 24/7 When Disaster Strikes.
Hurricanes move fast, and usually, you have between 24 to 36 hours to get ready before the storm makes landfall. That’s not the time to be heading to the store, securing your valuables, and devising your emergency plan. Prepare for the worst, hope for the best, and do it long before a hurricane starts forming.
At SERVPRO Fort Worth, we’re faster to any size disaster. Hurricanes can cause severe wind damage and flooding to your commercial building or home. We’re ready and available 24/7 to clean the mess, fix the damage, and restore your property to its former condition.
Contact us online or call us at (817) 589-1499 for a free consultation.
4 Fire-Safety Tips for Preventing Holiday Fires
Has your property been damaged in a fire? At SERVPRO Richardson, our Fire and Smoke Damage Restoration experts are always here and happy to help, 24/7
Nothing says Happy Holidays like a festive fireworks display, cozy hearth, or colorful Christmas tree. If you're looking to get into the holiday spirit, you want to do it safely. Here are our top tips for preventing holiday fires.
Has your property been damaged in a fire? At SERVPRO Richardson, our Fire and Smoke Damage Restoration experts are always here and happy to help, 24/7. Give us a call at (972) 690-1414 for a free estimate.
Fireworks are a staple for New Years' and Independence Day celebrations. If you'll be lighting fireworks at home, keep those tips in mind for fire safety:
- Choose a location far away from buildings, brush, and trees
- Be sure that pets and children stand back from the fireworks
- Keep a supply of water or a fire extinguisher nearby
If there's a drought, consider doing something else to celebrate that doesn't involve a flame. A stray spark landing on parched grass and leaves can get out of control fast.
Nothing illuminates the gloom of long, winter days and nights like a lighted hearth. Keep these fire safety tips in mind for fireplaces:
- Get the fireplace and chimney inspected
- Keep flammable items at least three feet away from open flames
- Install a fire screen to keep embers and sparks where they belong
- Be sure to extinguish all embers before leaving or going to bed
Also, refrain from burning wrapping paper in the fireplace. These items burn quickly and intensely and can start a flash fire. Only burn seasoned wood in the fireplace.
If you prefer a real tree, be sure to water it every day. Dry needles and wood can quickly spark and become an out-of-control house fire.
Do not plug in more than three light strings to each other. Use a power strip and throw out broken or old light strings. Never leave the lights on if no one will be home.
Keep all flammable items, such as curtains or holiday decor, at least three feet away from an open candle flame. Put the candles on non-flammable surfaces. And be sure to include a tray or aluminum foil-lined dish underneath that will collect the wax.
Keep the candles out of reach of curious pets and small children, and do not leave a burning candle unattended.
Preventing Electrical Fires
Faulty wiring causes an estimated 51,000 fires every year. Keep these holiday fire safety tips in mind to prevent a devastating electrical fire:
- Always use extension cords for their intended use
- Plug outdoor lights into circuits protected with GFCIs
- Secure outdoor lights to supports that keep them from blowing in high winds
- Keep extension cords free of snow and water
- Do not pinch extension cords in doorways or windows
- Turn off all holiday light decorations when leaving
- Stay at least 10 feet away from power lines when hanging holiday decorations
- Don't overload the outlet with too many decorations
Fire Damage and Restoration: We're Here 24/7
A stray spark can quickly become a raging fire in a matter of minutes. At SERVPRO Richardson, we've been cleaning and restoring fire-damaged buildings for decades. We're here 24/7 for your damage and restoration needs.
Contact us today for a free consultation.
Business Interruption Insurance in Fort Worth, TX: What You Need to Know
Business interruption insurance covers you from financial losses incurred during, well, a business interruption.
Insurance from natural disasters, fires, and floods should be enough to protect your commercial property from monetary losses fully, right? But unfortunately, commercial property insurance isn’t always the most robust safety net.
What about the money you’d lose while you wait to get back on your feet and operations running again? That’s where business interruption insurance comes in.
Business interruption insurance covers you from financial losses incurred during, well, a business interruption. So, for example, while commercial property insurance would pay for roof repairs from hurricane damage, it wouldn’t cover the money you'd lose waiting for the roof to get repaired.
That’s where business interruption insurance comes in.
Here's what else you need to know about business interruption insurance in Fort Worth, TX.
How Business Interruption Insurance Protects Your Fort Worth Company
Commercial property insurance pays out claims for direct damage to your property. Say your business was flooded, and you have damaged equipment that needs replacing. The insurer would cover the costs of replacing the equipment. But the policy wouldn’t cover your losses from waiting for that equipment to arrive and employees to learn how it works and operate it.
While it’s essential to carry a commercial property insurance policy, this type of insurance wouldn’t help you recover losses from interruptions to your operations.
Business interruption insurance would protect you from these types of financial setbacks:
- It covers profits you’d have earned during a temporary closure
- Pays for operating expenses (wages, utilities, maintenance, repairs, etc.)
- Covers training costs for staff that need to learn how to use replaced equipment
Also, business interruption insurance in Fort Worth protects your finances from disruptions that aren’t the result of property damage. For example, a business interruption policy would pay for your operating expenses and profits lost from forced closures, like street closures from public events or evacuations from natural disasters.
How Long Does Business Interruption Insurance Last?
This particular type of insurance policy is not meant to cover long-term financial losses. Usually, a business interruption policy lasts for a few weeks or months. The policy is intended to help businesses weather a temporary interruption and isn't designed to carry a company during an economic downturn.
What’s Typically Covered in a Business Interruption Policy?
Most business interruption insurance policies cover the following financial losses:
- Losses from sudden, personal incapacitation
- Losses from unforeseen natural disasters or local government mandates (e.g., flood and fire damage, storms, road closures)
- Monetary losses from theft or vandalism
- Disruptions from technological failures
Unlike other types of commercial property insurance, business interruption insurance doesn’t insure tangible goods. Therefore, for an accurate assessment of potential losses due to business interruptions, you’ll need a firm and quantifiable grasp of how much your company earns.
Fully Protect Your Commercial Property and Business From the Unforeseen
A robust business owner's policy that includes coverage for business operations can fully protect your company from financial setbacks due to disasters and forced closures.
At SERVPRO North Richland Hills, we’ve been helping commercial property owners restore their buildings to pristine, safe conditions after fires, floods, and storms. If your business has been damaged, contact us today or call us at (817) 985-4815 for a free estimate on our Damage Restoration Services.