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5 Steps To Take When Your Tenant Finds Mold in Their Apartment
Mold remediation in Round Rock, TX
Mold begins as a minuscule spore, so it is difficult to believe something so small can wreak so much destruction and havoc in a large apartment building. But mold is a clever opponent that loves to hide until the problem is so big it appears to be out of control. That is why it is important to take the following steps in mold cleanup as soon as your tenant notifies you that he or she found mold contamination in the apartment.
1. Telephone your insurance company. Find out what your insurance policy covers regarding mold issues. Sometimes the fungus is a minor problem, but other times it can require extensive cleanup efforts and a big expenditure of money. Also, request an adjuster’s visit.
2. Take photos of the mold and surrounding area. Establish a record of the situation in pictures. The photographs can also help you if you need to file an insurance claim.
3. Contact a mold cleanup and restoration team. Ask the team to locate and address the water problem feeding the mold growth. This process can include removing wet walls, floors, and cabinets; therefore, cleanup can take several days.
4. Request the restoration team’s assistance in removing the mold and restoring the area. After removing the mold spores and colonies, the restoration team can sanitize the area to prevent the mold from returning.
5. Move the tenant to a hotel if cleanup and restoration turn out to be extensive. When your tenant’s belongings must be displaced during the repair process, offer to relocate him or her to a hotel for the duration of the restoration.
If mold is a reoccurring problem in your Round Rock, TX, apartment building, there is probably a hidden water leak. The sooner you can remove the water, the less possibility there is that mold can cause damage to the building’s structure or spread to another tenant’s apartment. Additionally, by removing the underlying moisture allowing mold to grow, you can save yourself a great deal of money by preventing mold from returning and requiring further mold cleanup.
Why Every Business Should Consider Buying a Flood Insurance Policy
Purchasing flood insurance can provide peace of mind, so why delay?
No place is immune from storms that can potentially cause severe damage to your business. When a destructive storm hits, insurance policies act like financial safety nets, allowing businesses to recuperate damaged or destroyed property. However, insurance companies see flood damage and storm damage as entirely different entities that require separate policies.
Examples of Storm Damage
Wind and hail are examples of natural phenomenon that can cause significant damage to your building’s exterior infrastructure. Examples of potential damage include the following:
- Loosened or detached shingles and siding
- Cracked roof surfaces
- Broken windows
- Damaged or destroyed outdoor equipment
Heavy Rainfall and Flooding
Some severe storms bring heavy rainfall which, if not drained properly, can saturate an area and cause flood damage. To be officially classified as a flooded area, the general rule is the land must be at least two acres in size and a normally dry region. An area where two or more properties are inundated with water can also be classified as a flooded zone.
Flooding can also occur inside your building, especially if the roof or windows were compromised in a storm. In this case, the distinction between flood and storm damage comes down to when the destruction occurred. While this may sound like a minute detail, it is a crucial determination for insurance purposes.
Property Insurance vs. Flood Insurance
Not all insurance policies are created equal, and there is a distinct difference between flood insurance and business property insurance. Most property insurance policies will cover damage resulting from storms, such as damaged windows, roofs and siding. However, if the storm causes flooding and the primary culprit of the damage was flood waters, your property insurance policy will likely not be applicable. Instead, you will have to file a claim on an existing flood insurance policy. Unfortunately, not every business chooses to purchase flood insurance, creating the potential for substantial financial loss.
Purchase a Policy for Peace of Mind
When flood damage occurs, navigating the restoration and cleanup process can be challenging and timely, particularly if your business lacks adequate insurance. It’s hard to predict when the next severe storm will hit Round Rock, TX. Purchasing flood insurance can provide peace of mind, so why delay?
How Can I Prepare My Business for a Potential Fire Disaster?
Back up your important data and documents.
How Can I Prepare My Business for a Potential Fire Disaster?
Although it's only a slight chance, you never know when your Round Rock, TX, commercial building could set ablaze. Whether it's a result of a faulty electrical system, a toaster fire in the breakroom, or a wildfire intrusion, it's essential to think about fire preparation before the worst occurs. Being proactive can potentially save lives, your building and your business.
1. Back Up Your Important Data and Documents
The survival of your business could depend on having backups of your essential data and files. As an extra precaution, you can store this data in a separate physical location, such as on a hard drive kept in your own home. However, your best option is to keep backups of everything in the cloud. You can also scan essential paper files and upload them to your cloud storage.
2. Prepare Your Employees
Familiarize all of your employees with the building evacuation plan, the location of fire extinguishers and first aid kits, as well as other critical information. Part of your fire preparation should include routinely practicing fire drills and presenting fire safety rules with all personnel.
3. Review Your Commercial Insurance
A critical part of your plan is reviewing your commercial insurance policy to ensure you have the correct type and amount of coverage. Having the proper insurance could mean the difference between saving your business or losing everything.
4. Create a List of Emergency Contacts
Another vital component of disaster preparation is creating a list of emergency contacts. The list should include local emergency services, your insurance company, fire damage restoration professionals, employees and their emergency contacts, and suppliers. Keep a copy of this list off-site in case the original gets destroyed in the fire.
Any type of disaster at your business can be traumatic for everyone involved. However, having a fire preparation strategy in place can provide you with some much-needed peace of mind.
Infrared Cameras and Mold Detection
It is important that users of thermal imaging realize the temperature differential caused by insulation
Although you may be unable to see it, any mold smell inhabiting your office may be an indication of a fungal problem. Before tearing apart walls to find out if you have harmful growths in Round Rock, TX, use an infrared camera to determine whether hiring a professional mold removal team is actually necessary.
Mold Detection Via Smell
Any variety of fungus smell is cause for concern. Action must be taken if you detect odors that are:
- Talked about as being earthy
- Could be characterized as meaty
- Reminiscent of wet socks
- Similar to rotten wood
If you identify stenches that fit these descriptions, an investigative inquiry should be undertaken before additional mold damage has an opportunity to develop. An infrared camera can help you target the source of the disturbing mold smell you are experiencing and aid in locating it.
Mold Detection Via Infrared Camera
While infrared cameras are technically not mold detectors, they are highly useful when trying to locate nasty spores. They do so by visually representing colder areas that can be caused by water intrusion. When combined with a suspect mildew smell, the odds of fungal growth being present are significantly greater.
IR cameras are only useful in buildings with air conditioning, the reason being that temperature variations in spaces without indoor temperature controls are too insignificant to be of use. When sweeping your office, point your device toward exterior walls and roofs, as well as the foundation where moisture tends to collect.
It is important that users of thermal imaging realize the temperature differential caused by insulation. Elevations are another issue that needs to be recognized. Because heat rises, overloaded electrical boxes and transformers may display subtle unexpected temperature variations. Any misdiagnosis could trigger unnecessary construction work or failure to identify where mold exists.
A mold smell inside your office may be a warning sign of a situation that needs to be addressed. Utilize technology to be certain you have a problem ahead of turning your workspace into a construction zone.
The Importance of Business Interruption Insurance After a Fire
Both interruption insurance and restoration services are needed to recover from a business fire
A fire can harm a business in many ways. Physical damage to a property is the most obvious form of harm. A blaze can wreak havoc with a building and everything inside it, destroying walls, equipment, inventory and more. This destruction impacts a company's ability to continue on with its operations, often resulting in a significant loss of revenue. For this reason, interruption insurance is a vital product that should be a part of every company's strategic plan to survive the unexpected. This coverage is defined as commercial property insurance that covers a loss of revenue due to a disruption to its operations as the result of a covered peril.
The Consequences of Business Interruption
When a company in Round Rock, TX, can no longer sell its products or provide services to customers, it can begin to face a revenue shortage. This scenario can be the result of many situations, with fire being among the most common disasters. A company in this situation will have trouble meeting any of its obligations:
- Payment to employees
- Payment to creditors
- Purchase of products
- Payments for utilities
With interruption insurance, a company can still make its payments in the aftermath of a fire. Several options exist for this type of insurance, so it makes sense for business owners and managers to speak with an experienced insurance agent.
The Value of Fire Restoration Services
After a fire, a professional fire mitigation team can be essential to helping a company get back on its feet in a timely manner. This is another critical way for a business to reduce the impacts of a revenue loss. A team of trained technicians will come to the property and work to restore the property so operations can resume. A qualified team will work quickly to repair property damage, eliminate smoke odors and protect against secondary damage such as mold growth. Both interruption insurance and restoration services are needed to recover from a business fire.