Recent Storm Damage Posts
How to Check for Storm Damage
What Does Commercial Flood Insurance Cover?Commercial Flood Insurance helps protect your business from the damage costs that come from floodwater. A commercial flood insurance policy will not only protect the location of your business but also the physical contents and assets. A commercial flood insurance policy is designed to protect your business if your floors, walls, ceilings, equipment and fixtures as well as furniture, inventory and business property sustain floodwater damage. Call today to get a quote and find out how easy and affordable it is to add flood insurance protection to your portfolio of business coverage's.
Do I Need Commercial Flood Insurance?If your business property insurance doesn’t cover flood damage – and most don’t – you should consider adding a commercial flood insurance policy. Start with a commercial flood insurance quote. Even if you live in an area that doesn’t flood, you’ll need a policy if:
- You run your business in an area that has cold, snowy winters and warm springs. Fast melting snow is one of the top causes for commercial flooding.
- You experience moderate rainfall during the year. Even with moderate rainfall, a drain could become clogged and eventually overflow into your place of business and cause flood damage.
How Does a Commercial Flood Insurance Policy Work?Flood insurance from The Hartford is provided through the National Flood Insurance Prodgram managed by the Federal Emergency Management Agency (FEMA). Typically, the government requires a 30-day waiting period on new flood insurance policies. So it’s important to buy a commercial flood policy well before a potential flood event is headed your way.
Throughout the year there are steps you can take to prevent (or at least reduce the amount of) damage to your roof, home, deck/patio and yard when the weather brings heavy rain and wind. Homeowners can take care of most tree maintenance, but when dealing with tree removal, dead or diseased trees or insects/pests, it's best to call in the professionals for help. Depending on your situation, you may need to contact a certified arborist who can thoroughly assess the condition of the trees on your property, or a tree removal service that can perform a thorough assessment of any storm damage and cut down and remove any trees that are a potential hazard.
TRIMMING AND PRUNING
Any branches close to your house should be trimmed back on a regular basis. This will help protect against potential roof damage from fallen limbs if severe weather hits your area. Heavy rain, hail and powerful winds can easily snap and break weak branches off, which could result in major storm cleanup efforts if they fall. Pruning to remove dead limbs can be done any time of year, but is typically recommended during the winter and spring months.
Tree removal is a necessary part of tree maintenance, especially if there is a tree posing a risk to your home that could fall during a storm and cause damage. If you suspect you have a dead tree, you should hire a tree removal service for an assessment and they will recommend next steps. If you have a diseased tree, it may be beyond trying to save. A certified arborist can assess the tree and recommend whether or not it can be rehabilitated.
WATER AND SOIL
Every tree species has specific needs, so make sure you know what type of trees are in your yard in order to care for them appropriately. Some trees are drought-tolerant and can go for long periods of time without water. However, for trees that do need water more consistently—and if they aren't receiving enough rain—they should be watered until the soil is moist. Newly planted trees will need more water and attention, especially during the first two years, to help foster root establishment. To help trees retain enough water, cover the soil with wood mulch.
There are six main types of soil—sand, silt, peat, loam, chalky and clay—and each requires different types of care, as soil and root management are essential to good tree health. If soil composition is too compact, it will prevent trees from growing and should be aerated. Soil should also maintain the right level of moisture and nutrients in order to keep trees healthy, otherwise trees could develop disease, become weak or die, making them a potential hazard to your home during a storm.
Commercial Storm Preparation
- Check your insurance coverage. Make sure that your business or commercial property is protected against the most common types of storm damage in your region, including flood water. This may involve taking additional riders or endorsements on top of a standard business insurance policy.
- Check stores of emergency supplies. A commercial property should have a store of sandbags and polyethylene sheeting, hand tools, and possibly a generator and fuel supplies in the event of a storm.
- Have a data protection plan in place. Insurers can replace equipment that sustains storm damage, but it is much more difficult to restore corrupted or lost data. Businesses should have data backup plans in place well before a storm and follow protocols to prevent information loss.
- Come up with plans for evacuation and property safety. You should have a plan to limit damage as a storm is approaching. Lift and disconnect appliances, fixtures, and wiring. Shut off the flow of electricity to non-necessary appliances. You should also have a detailed evacuation plan for all occupants and visitors in the building posted in visible areas throughout the structure.
Who to Call When Trees Fall on Your Home
Whether it was caused by root rot or strong winds, if a tree has fallen on your house, there’s a series of steps you’ll need to follow to get your house and property back to normal. Hurricanes, floods and snowstorms are a few types of weather conditions that can cause trees to fall, which could result in roof and interior damage. While older and diseased trees are more vulnerable to extreme weather and high winds, remember that even strong, healthy trees can topple under these conditions. Fallen trees are one of the main causes of roof damage, according to the National Storm Damage Center, costing more than $1 billion in property damage each year. From tree removal to roof repair and everything in between, learn what you need to do and who you need to contact to recover from storm damage.
1. Contact SERVPRO of Northwest Charlotte immediately. They will send a project manager out on site quickly. Once on site they will determine what equipment is needed to get the tree off of your home.
2. If there is a lot of rain the inside of the home might be damaged. SERVPRO can handle all of the cleanup and drying to get your home back to pre loss condition.
3. If there is rebuilding necessary in results of the tree damage, SERVPRO of Northwest Charlotte's construction team will be able to handle the job from start to finish.
Cleaning Up Your Business After Storm Damage
Living in North Carolina there are many cases where storms cause significant damage to your business or the building you operate your business out of. If that is the case SERVPRO of northwest Charlotte is here to help. We want to make sure that you have help from start to finish getting your business back up and operational again.
In most cases high winds will cause significant wind damage. This can cause shingles to come off, trees flying into windows and other types of high impact damage. SERVPRO of Northwest Charlotte has a team in place that can handle all of the situations 24/7, 365 days a year.
It is important if you have any questions to reach out to us at anytime. We hope you don't experience a severe storm, but if you do know that we are here for you.
Why Sewers Backup
1. Roots can penetrate and clog the sewer line. Trees and shrubs can send out thousands of feet of tendrils a year in search of water. A small crack in a pipe can be an open invitation to the plant to spread the crack and enjoy the water. As the roots enter the pipe, they often spread quickly until the roots have created a mass that can easily block the pipe and cause a sewer backup.
2. Clogs can form in drain pipes or lateral sewer lines. A sink, tub, or toilet can easily clog over time as the sewer pipes corrode or fill with sludge. This is especially true if pipes are used to discard household debris from garbage disposals and toilet flushes. Hair buildup can also easily clog drain pipes.
3. Heavy rains can cause city-wide sewer malfunctions. As rain water or melting snow enter over-taxed sewer lines, there can be nowhere for the water to go. The liquid can fill streets and drainage lines until finally, a cesspit backup is often the result. As the water levels rise, so can the sewage levels.
4. Sewer lines can break or collapse. The lateral line between the building and the street were often historically built from clay or cast-iron pipes. The fragile pipes can sometimes collapse as they crack with age and can often cause in sewer problems.
When a sewer backup occurs, it can fill the building with black water, fecal matter, and bacteria. It can also lead to the destruction of possessions and damage to the building structure. Contact a water damage repair team at the first sign of sewer problems. The professionals can take immediate action and protect the property from further water damage.