3 Helpful Things To Know About Flood Insurance

5/20/2022 (Permalink)

Flood Insurance 

When looking at commercial insurance policies for a Minneapolis, MN business, many company owners may be wondering if flood insurance is a good choice for their property. Here are a few things to consider.

1. What May Be Covered

In most cases, a flood policy will cover damage caused by nature or accidents. This usually includes incidents such as a broken pipe or sewer backup, along with rain overflow and other storm damage. It is the policy holder’s responsibility to know exactly what their plan covers, but most normal flooding falls under these categories. In many cases, the insurance provider may also cover the cost of repair and cleanup, as well as recommend a professional restoration service.

2. What May Not Be Covered

Many commercial insurance policies will not cover flooding that comes as a result of neglect. This means that if you knew one area needed repairs, you failed to take action, and flooding occurred as a result, then your insurance provider may decline coverage.

3. What a Restoration Company Can Do

Insurance providers may have recommendations for a restoration company that may be able to help. A professional restoration service is equipped to help with large-scale disasters according to FEMA guidelines. They also offer services such as electronic inventory management system, which can be used to document items and repair requirements as they go. The database can be updated by the restoration team and accessed by the insurance agents allowing them to have the most up-to-date information as they keep track of the claim.

When looking at their commercial insurance policy, it's up to the policyholder to know what exactly is included. In most cases, flooding caused by accidents or natural disasters will be covered. Flooding caused by neglect, however, probably will not. A professional restoration team may have the tools necessary to work with the insurance company in order to help process the claim and keep all required information updated.

How to Prepare for Flood Damage

5/16/2022 (Permalink)

How to Prepare for Flood Damage

The drainage system used by businesses can affect the extent of storm damage in the city. This is particularly true during or after flooding occurs. It is important to keep gutters and storm drains clear to help minimize overall flood damage.

Property Drainage

Your responsibility starts with keeping your commercial property’s drainage system clear, particularly during storm season. Storm damage restoration companies suggest the following tips to ensure proper drainage:

Check gutters and drain pipes at least once a week, especially before and after a storm.
Inspect your property for signs of erosion or shifts in the earth around it.
Plant vegetation with a strong root system to slow down the flow of water into the city’s storm drains.
Report any problems to the local authorities so that the issue can be remedied.

You can help minimize the effects of flooding on the foundation of your buildings as well as the properties adjacent to yours if you are vigilant.

Outlying Drainage

Your ability to help keep the city’s drainage system working properly does not stop at your property line. Avoid sweeping landscaping cuttings or trash into the street, because it can clog storm drains. In fact, it is a good idea to have grounds crew members clear debris off the storm drains near your property. They should not attempt to lift the grate or put their hands between its bars, even if they see a problem below it. Instead, you should report problems to city officials who can clear the storm drain safely.

Minimizing storm damage is everyone’s responsibility. You can help protect the water supply in St Michael, MN when flooding occurs by routinely keeping the drainage system on and around your property clear. Storm water runoff from roofs and parking lots is often contaminated, so it is necessary to direct it to the appropriate areas. You cannot always avoid flood damage altogether, but you can contribute to faster recovery and clean up if you keep gutters and storm drains clear of debris.

Spring Showers

5/16/2022 (Permalink)

As we start to hear birds chirping and temperatures inching upwards, that means we are seeing the first signs of spring. What a wonderful time of year. Full of life and excitement. We are excited to be done with winter here at SERVPRO. 

While gearing up for Spring, there are some important things to be aware of regarding spring snows. Often, a Spring storm in Minnesota can bring with it snow, ice, rain, or a combination of all three. The high moisture content of the precipitation can cause issues in your home or business if snow melt has already saturated ground water levels. With the ground saturated, any new precipitation can cause issues with your sump pump or through foundation cracks and leaks. Be prepared for what Spring storms can bring. 

24/7 Storm Services

5/16/2022 (Permalink)

SERVPRO provides 24-hour emergency service and is dedicated to being faster to any-sized disaster in Minnesota. We can respond immediately to your emergency and have the expertise to handle your restoration or cleaning needs.

• 24-Hour Emergency Service
• Faster to Any-Sized Disaster
• Highly Trained Restoration Technicians
• A Trusted Leader in the Restoration Industry
• Locally Owned and Operated
• Advanced Restoration and Cleaning Equipment 

Have Questions? Call Us 24/7 –  (612) 421-2040 

Residential Storm Services

Whether your home needs emergency flood damage or your upholstery cleaned, you can depend on us.  Our technicians have extensive cleaning and restoration training and can make your property look its best. Learn more about our residential services:

• Water Damage Restoration
• Fire Damage Restoration
• Mold Remediation
• Storm Damage Restoration
• Cleaning Services
• Building/Reconstruction Services

Commercial Storm Services

There's never a convenient time for fire or Water damage to strike your commercial property. Every hour spent cleaning up is an hour of lost revenue and productivity. So when the need arises for professional cleaning or emergency restoration services we have the training and expertise to respond promptly with highly trained technicians to get your property back to business.