Is Mold Covered by Commercial Insurance?

7/23/2022 (Permalink)

Mold damage in Prescott Valley, AZ

What Is Covered In Your Commercial Insurance

Mold growth can cause major damage to your Prescott Valley, AZ, business. Understanding how commercial insurance addresses mold is key to protecting your property.

Mold Insurance Coverage
Most commercial policies do not cover mold damage in most circumstances. Many policies include a fungus exclusion, which specifically states that damage is not covered if it is caused by the following:

• Fungus (including mold and mildew)
• Bacteria
• Wet rot
• Dry rot

Some policies do, however, state that mold damage is covered if it is caused by certain specified events, such as fire or lightning. Make sure that you read and fully understand your policy. Speak with your agent if you have any questions.

Mold Prevention

Because most commercial insurance policies do not cover mold, the best way to protect your business is to prevent the mold from growing in the first place. Mold needs three things to thrive: warmth, food and water. Most indoor locations are sufficiently warm and have multiple food sources available. The presence of moisture is the variable over which business owners have the most control. Keep indoor humidity below 50%. It may be necessary to run dehumidifiers in particularly humid areas of the building. Clean up spills and repair water damage as soon as possible. An experienced restoration service can help ensure the property is fully dry after flooding.

Another tactic for reducing the likelihood of mold growth is minimizing the number of spores present. Mold spores are invisible to the naked eye and present almost everywhere. Air purifiers with HEPA filters can trap a significant number of these spores before they have a chance to colonize. HEPA filters can also be installed in the HVAC unit. If your building has carpet, routine deep cleaning kills the spores that get trapped in the carpet fibers.
Commercial insurance generally does not cover mold damage in commercial buildings. However, understanding your policy and taking steps to prevent fungal growth in the first place are important steps you can take to protect your business.

These 4 Qualifications Are a Must for Your Preferred Vendors

6/17/2022 (Permalink)

SERVPRO of Yavapai County is trained according to IICRC standards in fire and water cleanup restoration.

For Your Preferred Vendors, These 4 Qualities Are Required

When you, as an insurance agent in Bagdad, AZ, have a client with damage from a flood or fire, you need a list of qualified professionals who can restore your client's property "Like it never even happened".

SERVPRO's team of professionals has a solid reputation as the undisputed leader in fire and water cleanup and restoration. Here are some reasons they should be a part of your vendor program.

1. Damaged Property Is Restored Quickly

Professionals are fast to arrive on the scene and pretest the area to determine the extent of the damage. They then provide a plan for the most cost-effective way to restore that property. By doing this, they save your insurance company money. They also communicate with you throughout the process using an electronic system. You, the insurance agent can see it as soon as it's entered into the data bank. 

2. Specially Trained Professionals Help Your Client 
Restoration professionals are trained according to IICRC standards in fire and water cleanup restoration. They also receive continuing education in the best cleanup techniques. They have the professional skills you and your clients need. 

3. National Accounts Guidelines Ensure Standards Are Met 

National Accounts Guidelines ensure that background checks are done on every employee. Your clients can be assured of safe, reliable help. Professionals keep detailed records so that completed jobs are filed as proof of work. The staff communicates with you every step of the way.

4. As an Insurance Agent, You Need Qualified Professionals on Hand 

When your client contacts you about damage, rest assured that a team is on hand to get there quickly.
Damage from a fire or flood can be expensive if testing and remediation aren't done quickly. By relying on the help of professionals, your client's home or place of business can be safely restored in a way that saves money for your insurance company.

3 Reasons To Choose SERVPRO After Any Disaster

6/2/2022 (Permalink)

SERVPRO of Yavapai County commercial restoration team is available 24/7 to help get things under control.

After a disaster, there are three reasons to choose SERVPRO.

When you have an emergency at your business in Prescott, AZ, you need help no matter what time of day. Your insurance agent recommended SERVPRO as a preferred commercial restoration vendor. Here are three reasons to choose SERVPRO after any disaster, no matter what time of day the disaster occurs.

1. SERVPRO Is Locally Owned

Each franchise owner is a member of the community. SERVPRO franchises are locally owned and operated, and there are locations all over the country. A local franchise can get a team to you quickly, and because team members live and work in your community, they understand how important it is to restore an essential local business.

2. SERVPRO Is Faster to Any Size Disaster

A SERVPRO franchise must always be prepared to get a team out quickly when disaster strikes. SERVPRO provides extensive training and continuing education to all employees so that everyone is up-to-date on the latest methods and technologies for cleaning, repairing, and restoring a business after a disaster. To be faster to any size disaster, all SERVPRO employees commit to the highest level of training and readiness, including proper equipment maintenance, cleaning, and storage.

3. SERVPRO Is Available 24/7

Disasters don't care about traditional working hours. Whether you're facing a flood from a broken pipe or a natural disaster, a fire, or mold growth, SERVPRO's commercial restoration team is available 24/7 to help get things under control. Once a crew arrives, they will assess the scope of the damage and recommend a plan of action to clean, repair, and restore your business as quickly as possible. You'll be able to submit all their findings to your insurer, simplifying the insurance claim process.

SERVPRO is faster to any size disaster because they are local, prepared professionals committed to providing quality service no matter what time of day disaster strikes.

3 Reasons To Look for an IICRC Certification

4/1/2022 (Permalink)

Looking for this certification ensures the technicians who do your work are trained and knowledgeable. This ensures your work is done correctly.

Three Reasons To Seek IICRC Certification

You've probably seen a company boasting an IICRC certificate. It is often prominently displayed on a company's website. A lot of companies have this certification. It seems to be a big factor in their marketing materials. Unfortunately, if you're not in the remediation industry, you probably don't know what it means. You also don't know why it's so important.

The main reason this certification is important is that it impacts the quality of work you receive. It can also affect the processes used during a restoration job. Here is some more about its meaning and the impact it has.

1. It Is the Industry Standard-Setter

You probably want to hire a disaster remediation company that has safety, integrity, excellence, and professionalism as its focus. In most industries, there is a primary organization that sets these standards. This is true for businesses working in restoration in Bagdad, AZ The Institute of Inspection, Cleaning and Restoration Certification (IICRC) is the industry's standard setter.

2. The Courses Are Rigorous

The IICRC offers many courses designed to cover different aspects of remediation work. It covers everything from carpet replacement to managing a restoration company. The organization also knows that a thorough understanding of each aspect is necessary for the industry. Therefore, technicians must go through rigorous training to earn a certification and earn continuing education credits every year. This ensures that they keep their credentials.

Each course gives technicians an in-depth understanding and hands-on experience of a subject. They then take need to pass an exam to ensure they meet the standards.

3. A Certification Guarantees a Superior Level of Work

Most industries require a training certificate. However, restoration work is not one of those industries, and anyone can start a business. Because of this, you need to ensure the company you choose has a restoration, cleaning, or mitigation certificate.

Looking for this certification ensures the technicians who do your work are trained and knowledgeable. This ensures your work is done correctly. It also guarantees that you will receive a superior quality of work. These benefits are why this certification is so important.