1 in 5 Insurance Claims in Florida are from Fire, Is your Business Safe?

1 in 5 Insurance Claims in Florida are from Fire, Is your Business Safe?

According to the Insurance Journal, 75% of businesses in the United States are underinsured, and 40% of small business owners remain uninsured.

On most occasions, these businesses find themselves with no insurance to cover their claims when filed with a lawsuit or disaster.

As per The Hartford, the top 5 insurance claims filed in U.S in 2017 based on the claim amount were as follows:

  • Reputational harm: $50,000
  • Vehicle accident: $45,000
  • Fire damage: $35,000
  • Product liability: $35,000
  • Customer injury or property damage: $30,000

As you can see, fire is a major contributing factor to insurance claims in the U.S.

We have been assisting our potential clients to file commercial insurance claims over five years and we could confirm that Fire has been the most frequent and expensive cause.

This post features a checklist of factors to consider when choosing business insurances and preventive measures while considering commercial fire damage.

Insurance policy selection

Most small businesses struggle when it comes to getting the right advice on fire damage insurance. Fortunately, standard commercial property insurance policies in the United States usually cover fire damages.

While keeping this in mind, consider the following insurance policies to ensure protection from all the possible angles.

Commercial property insurance: With commercial property insurance, you can insure your business in the following two ways:

  • Its replacement value: what it would cost to replace everything with new items or
  • Its actual cash value: what it would cost to replace everything with used equivalents to what you have now

This insurance type if available at different levels and hence considered budget-friendly.

Business owner’s policy (BOP): This commercial insurance type is deemed budget-friendly as it gives the business owners an option to bundle general liability insurance with property insurance. There are certain criteria that you need to satisfy to be eligible for a Business Owner’s Policy. Risk exposure can be a major factor that can influence your eligibility for the BOP.

Business interruption insurance: This policy is a godsend to business owners who are forced to shut their doors due to fire. The policy can cover the rental of the new office and even the salaries of your employees and other ongoing expenses as long as you are unable to operate.

Preventive measures

Fire is an unexpected and unwanted hazard for any business. Make it a point to prepare yourself for this unforeseen hazard by following some basic guidelines. Satisfy the below checklist to keep the concern of fire damage at bay.

  • Train your employees to use fire equipments like fire extinguishers and blankets
  • Periodical fire system inspection which includes fire extinguisher, fire exits and sprinkler system inspection
  • Routine commercial cooking and manufacturing checks
  • Electrical equipment inspections and banning risky electrical appliances

Fire damage in Florida is one of the top five causes for commercial insurance claims both while considering the cost and the frequency of the claims. As a business owner ensure that you do the following three things right to minimizing the possibility of damage and maximizing the odds of recovery:

  • Choose the right insurance policy/ Get the right advice
  • Take necessary precautions
  • Document the aftereffects

Need assistance with finding or filing commercial insurance claims? Talk to us today.

Coronavirus-Cleaning-Checklist-Infographics-blog imag

COVID-19 (Coronavirus) Cleaning Protocols (Infographic)

We are now offering 24/7 sanitation and decontamination to curb the spread of COVID-19. We are equipped to clean a variety of residential and commercial properties such as offices, schools, churches, etc. If you have cause to believe that your property may have been contaminated by exposure to someone with COVID-19 do not hesitate to contact us. Sanitation and decontamination in a timely manner is vital to limiting the spread of the disease.

This infographic features the Coronavirus (COVID-19) Cleaning Protocols that Titan Restoration Follows:

Covid-19-Cleaning-Protocol-Checklist.

Personal Protective Equipment:

  • Compatible PPE with the disinfectant products used Personal Protective
  • Additional PPE when there is a risk of splash Equipment (PPE)
  • Careful disposal of PPE to avoid contamination of the wearer and the surrounding area

Routine Environmental Cleaning:

  • Prioritization by frequently & minimally touched surfaces
  • Use of EPA-registered disinfectants
  • Follow manufacturer’s instructions for disinfectants

PPE Disposal & Self Care:

  • Disinfecting Reusable PPE with Detergent & hospital-grade disinfectant
  • Disposing of single-use PPE via ‘double-bagging’ Self Care
  • Using alcohol-based hand rub before putting on & after removing gloves

Titan Restoration Construction Follows IICRC’s Standards to address general work practices related to commercial or residential cleaning, mold remediation and water damage restoration.

Mold in residential property ceiling west palm beach

Mold Can Affect More Than Your Carpets & Drywalls

Mold infestation is a collective non-scientific name that pins different types of fungi. These unpleasant fungi types can be found both indoors and outdoors.

Mold growth has been increasingly becoming a major headache for both residential and commercial property owners, especially in Florida.

Research by Hindawi 2016, on economic costs of certain health issues caused by exposure to indoor dampness and mold in the U.S estimated the following annual costs:

  • Allergic Rhinitis: $3.7 billion
  • Acute Bronchitis $1.9 billion
  • Asthma Morbidity $15.1 billion
  • Asthma Mortality $1.7 billion

These statistics make a point, it’s just not your carpets or drywalls that are affected by mold, but these fungi types hoard some serious concerns.

Mold infestation on clothes

Mold can easily find its way to clothes and take its time to inflict some damage. Some mold types can go unnoticed and create the following health concerns:

  • Rashes
  • Watery and itchy eyes
  • Coughing and sneezing
  • Fatigue
  • Headache

The possibility of mold infestation on clothes is usually overlooked and turns out to be a mistake in the long run.

Health hazards

Mold on carpets and drywalls are often just the beginning. Usually, mold takes it time and starts affecting your health. The irony is that most symptoms are hard to link to mold growth and hence the core problem remains at large.

Allergy and asthma: respiratory issues are the most common aftereffects of mold infestation. Black mold spores can trigger respiratory concerns like shortness of breath, coughing and wheezing.

These conditions, if unchecked, with time can develop to chronic asthma and other serious respiratory issues.

Memory loss and concentration: Mold also has the potential to thwart the smooth functioning of the brain. Mold spores can make you feel sluggish and create a foggy feeling.

Weakened immune system: being sick all of a sudden and on a consistent basis can be linked to inhalation of mold spores. Such situations lead to a weakened immune system, which can make you vulnerable to any other health concerns.

Mold infected drywall in Office in Jupiter Florida

Structural damage

Mold growth can impact the residential or property structure. Mold growth in areas like behind the drywalls and ceilings usually go unnoticed.

More often property owners fail to notice the different signs of mold growth. Such situations can escalate in a couple of years and have a bigger impact on the structure of the property.

Properties made of organic or cellulose dominated materials like wood, drywall, etc can feed mold and deteriorate over time. This leads to situations like collapsing walls and roofs.

This is why we recommend inspecting your property for water and mold damage inspections at least twice every year.

Mold growth is easy to prevent, it’s just that you need to invest some time and effort to ensure that everything is under control. If you find any signs of mold infestation at your house, make it a point to contact a certified mold remediation specialist as soon as possible. It is also wise to ensure that your mold remediation specialist abides by IICRC’s best practices for mold remediation.

Corona Virus Cleaning in Florida

Coronavirus (COVID-19) Deep Cleaning: How We Provide Industry Level Satisfaction

The COVID-19 outbreak has turned out to be insidious and people are striving to protect themselves, their house and offices from infection.

Since the day United States declared Coronavirus (COVID-19) as a national emergency we have been experiencing a high volume of calls and requests for Coronavirus deep cleaning.

Considering the severity of the situation and the fact that the COVID-19 is spreading rapidly and consistently, especially in the United States, it is highly recommended to adopt some stringent precautions.

Some facts about Corona Virus (COVID-19):

  • The virus is spreading rapidly: The number of cases reported on a daily basis in China has declined, however, the cases reported in the United States and Europe are increasing, signifying that the epicenter has moved from China to these countries
  • Older people, public transports, public gatherings, and offices are high-risk factors when considering coronavirus contagion.
  • As per the experts, coronavirus is more contagious than ordinary flu.
  • The United States is not testing enough people for COVID-19: as per Vox, the US is only testing 23 people per million people for Coronavirus Infection, whereas South Korea is testing 3692 per million people.
  • The COVID-19 virus has a high survival rate compared to other normal flu viruses and only show symptoms approximately two weeks after infection.
  • Studies have shown that each new Coronaviirus case has infected an average of 2.5 people at least during the early stages of infection.

The above pointers make it critical to take all the necessary precautions and resort to industry level sanitization and cleaning when it comes to thwarting Coronavirus infection.

How we provide industry-standard coronavirus cleaning?

Our vision has always been in line with the OSHA regulations and ICRC (Institute of Inspection Cleaning & Restoration Certification) best practices for cleaning and remediation. We have years of experience in successfully handling different biohazards.

Our Coronavirus Deep Cleaning Checklist is summarized below:

  • We use Environmental Protection Agency (EPA) and Centers for Disease Control & Prevention (CDC) approved disinfectants to clean COVID-19.
  • Since the information about Corona Virus is still evolving, we are continually consulting with CDC for updates on solutions and other variations.
  • We use approved disinfectants to clean and disinfect counters, tabletops, doorknobs, bathroom fixtures, toilets, phones, keyboards, tablets, and bedside tables.
  • We ensure that any infected or suspected materials are classified as biohazard waste after evaluating the situation and properly disposed of.
  • Our specialized COVID-19 remediation specialists are always equipped with industry grade personal protective gear and high-end full-face respirator masks throughout the cleaning process.
  • We ensure that even the minute or the easily overlooked corners and situations are attended to.

List of some of the EPA and CDC Registered cleaning agents we use:

  • Clorox Multi-Surface Cleaner + Bleach
  • Klercide 70/30
  • Lonza Formulation
  • Lysol Clean & Fresh Multi-Surface Cleaner
  • Lysol Disinfectant Max Cover Mist
  • Lysol Heavy-Duty Cleaner Disinfectant Concentrate
  • Oxycide Daily Disinfectant Cleaner
  • Peak Disinfectant Wipes
  • Peroxide Multi Surface Cleaner and Disinfectant
  • Peroxide Disinfectant and Glass Cleaner

Why we recommend a deep cleaning for offices

As per the statistics, offices are one of the main and inevitable sources that accommodate a high risk for coronavirus contagion. The Harvard Health Publishing advises cleaning and disinfecting every “High-Touch” areas in the offices including tabletops, doorknobs, bathroom fixtures, toilets, phones and keyboards.

We are offering 24/7 priority disinfection and sanitization services for both offices and residential properties. Call us today to prevent any chance of a COVID-19 outbreak.

Commercial Restoration For Boca Raton Businesses

Boca Raton is arguably one of the most popular places to live, and vacation for families new to the area or has been living here since the 1930s. Keeping local businesses open and up-to-date for residents and tourists is a task that Titan Restoration happily takes on and has done so for over a decade now.

While commercial restoration in Boca Raton often takes place after a disaster like a storm, that is not always the case. Exposure to our intense sun and even mild weather can wear down facades in just a few years. As a licensed contractor (CGC# 1522221), we do everything possible to make every operation look new and appealing. To use a roadside restaurant as an example, Titan Restoration teams can change everything from the roof to the siding.

Removing a storm-damaged roof or one with bleached tiles and replacing it with an eco-friendly, sun-resistant product is simple for us. We have licensed roofers who can examine the panels and supports underneath to determine the best option for each business. In this example, our demolition team carefully peels off the old roof and disposes of it in a dumpster that we remove and empty before it becomes an eyesore to customers.

Aluminum siding is an excellent material for many businesses, but its color can fade unevenly depending on exposure to the sun and elements. Our licensed builders and installers can replace it with new aluminum or help the owner upgrade to a better PVC or vinyl siding which resists the weather longer and does not fade from the sun. Titan Restoration masons and bricklayers can also put together a stone or brick front that has excellent curb appeal and lasts for many years.

With every action we take, the team leader has the business’ customers in mind. As long as it is safe for customers and employees, we keep the doors open so the owner can keep serving the community. There may be noise, but Titan Restoration is here to help you stay in business. If you suffered a recent disaster or time has worn down your facility, call us today at 561-345-3751 to schedule an inspection and get the restoration process started.

Click here for more information about the city of Boca Raton.

Repairing and Restoring Boca Raton Businesses After Commercial Fire and Smoke Damage

Boca Raton is one of the most popular mid-sized towns in our state. Tourists flock here for a quiet, family-oriented vacation compared to many other places up and down the coast. Keeping businesses open after a disaster like a fire supports thousands of local owners and employees.

Restoration and repair of commercial fire and smoke damage in a Boca Raton business requires a professional contractor to return the facility to its original, pre-fire condition. For Titan Restoration Construction, that means having a full staff of licensed carpenters, plumbers, and electricians ready to rebuild any facility, no matter how extensive the damage.

After a clean-up crew finishes their job, our teams begin the task of protecting the inside of the facility from the outside. If the previous crew had to put up plywood or plastic sheeting to keep out the elements, our builders remove it one section at a time and replace it with permanent walls and a roof where needed.

As a licensed contractor (CGC# 1522221), Titan Restoration Construction crews can build new wall frames, rebuild concrete walls, or hang new siding if the business is a light-industry facility like a clothing assembly plant. Once all that is in place, crews can cap it off with any roof, to include sheet metal, tile, and shingles.

A new roof and walls need a new sprinkler system to protect them. Our trained plumbers can install a new fire suppression system as quickly as a new bathroom or breakroom kitchenette destroyed by the fire. That includes copper and PVC piping, as well as any fixtures that require replacement.

As the builders finish off the exterior walls and roof, our certified electricians lay in new conduit and run new wiring where needed throughout the facility. If the blaze destroyed the circuit breaker panel, they could easily install and hook-up another one to provide safe, reliable power to the business.

At Titan Restoration Construction, our teams take every step and precaution to return a safe, operational facility to each business owners as quickly as possible. If you have had a fire of any size in your business, contact us at 561-345-3751 to schedule an inspection and receive a service estimate on what we can do for you.

Click here for more information about the city of Boca Raton.

Professional Commercial Damage Restoration For Palm Beach County Businesses

June starts the hurricane season in Palm Beach County, not to mention the rest of the state. Unless they opened their doors very recently, every business owner has experience in dealing with a hurricane or another type of extreme storm or weather event.

After the storm or hurricane, businesses need quick, professional commercial damage restoration in Palm Beach County. As a licensed contractor (CGC# 1522221) Titan Restoration can step in after the cleanup to replace floors, attach a new roof, and do everything else needed between them.

While most commercial facilities have a concrete floor, excess water can reveal cracks in the surface and cause problems underneath it. Depending on the depth of the damage, our masons can patch the surface in a few hours, or work with an excavator to remove the affected section, then pour and cure a new floor that can last for decades. Where there is a wood floor in customer service or another area, our carpenters can sand down minor surface damage, reduce the effects of cupping and warping, and replace floorboards too damage by exposure for repair.

Storm damage to walls can also tear out electrical wiring and even PVC pipes for water. Titan Restoration electricians and plumbers can quickly replace the damaged wire, conduit, and piping to return power and water to the building. If the overall damage is minor, our personnel can often complete work in only a day or two. Once finished, and if needed, our construction crews can swiftly hang new drywall panels to enclose everything and then paint over it to match the original color.

Roofs and ceilings are often the first part of the structure damaged. Our roofers and construction crews can rebuild or replace everything from ceiling tiles in an office building to skylights in an assembly plant or install a new roof able to support landing a helicopter.

At Titan Restoration, we service customers in Palm Beach County from Boca Raton North to Jupiter. If your business has suffered any amount of damage after a storm, contact us today at (561) 345-3751 to schedule an inspection by one of our technicians, so our teams are prepared to begin work immediately.

Click here for more information about Palm Beach County.

Commercial Water Damage Repair In Delray Beach Businesses

Delray Beach businesses suffer the same effects of faulty plumbing as area homes. Unlike residential flooding, business losses affect employees and customers in addition to the owners. For Titan Restoration, this means providing support to our fellow business owners and neighbors whenever we walk through an entrance.

Commercial water damage repair to Delray Beach businesses often means replacing much of the interior for offices and small, retail operations. If the water intrusion was from the overhead fire suppression system or a broken pipe, then everything from the ceiling to the floor may require repair or replacement.

Unless the suppression system requires a company technician to prevent voiding the warranty, our licensed plumbers can repair it. They can also handle every other source of internal water intrusion. Unlike other companies that have to stop at split, rubber lines, or a rusty connection, Titan Restoration personnel can step in to repair everything from a broken inlet pipe to replacing every pipe, sink, and toilet in a bathroom.

In an office environment, drop ceilings are the common construction. Our specialists can easily hang new ceiling tiles and also install new framing if needed. In older buildings, some ceilings are constructed from drywall panels and painted. While drywall is an excellent building material, it is also vulnerable to excessive water.

Once a panel absorbs enough moisture, it begins to crumble and can even crack and fall off the wood framing. Our builders can easily install new panels and paint them to match them the old ones. If a pipe burst overhead, it can soak the framing, causing it to split or crack. If that happens, they can install new wood as well.

When damage happens to an area business, many owners carefully check the floor, walls, and everything inside. Overhead damage often gets missed until the ceiling falls in. At Titan Restoration, we can repair or replace the ceiling, and just about everything else for our fellow business owners. If you need our expertise, call us today at 561-345-3751 to set up a service call.

Click here for more information about Delray Beach.

Burned interiors after fire in industrial or office building. Walls and staircase in black soot

Restoring Delray Beach Businesses After Commercial Fire Damage

For Delray Beach business owners, say the disaster and a hurricane comes to mind. Much of the interior damage commercial properties suffer though is due to a fire from faulty wiring or an inattentive employee. Even lightning strikes still occasionally start fires in our area.

When these actions cause commercial fire damage in Delray Beach, owners need a professional service to help rebuild and then reopen their doors as quickly as possible. As a licensed contractor, Titan Restoration Construction can rebuild any area business, regardless if it is the corner market or a warehouse operation that houses and ships products across the Southeast.

We do not remove debris or clean property, but our teams can begin work immediately after the facility is cleared out. For markets or warehouses, one of our first acts is to replace damaged walls from the fire.

construction specialist building a brick wall after fire damageOur teams start with the exterior walls to protect the facility from the weather and other types of secondary damage. The masons and bricklayers on our staff can repair holes created by the fire or knocked in by firefighters trying to put it out, regardless of the level of damage. With more than a decade of working with area suppliers, Titan Restoration Construction can source any brick or concrete block to match the unaffected parts of the walls and provide a seamless look to the facility.

Now, we rebuild the interior. Putting up wall framing is not a difficult task, and some business owners use the opportunity to change the size or location of offices and other work areas. Since we have licensed plumbers and electricians on staff as well, redesigning the floor plan is not a problem for us as long as it does not affect the structural integrity of the building.

At Titan Restoration Construction, we understand that every day closed can mean a major loss of income. Our goal is to help every owner get back to work to support their customers and employees with the same service as before the fire. Call us at 561-345-3751 today to learn more about what we can do for you.

Click here for more information about the city of Delray Beach.

Worried Young Woman With Blue Napkin Looking At Sink Pipe Leakage In Kitchen

Repairing and Restoring West Palm Beach Residential and Commercial Water Damage

West Palm Beach is one of the most sought after communities on the Florida east coast. The beautiful homes and business fronts that make up our city are often the advertising backdrop for everything from vacation rentals to encouraging movie companies to film in our state.

Despite our reputation for extreme weather events, most water damage repairs for residential and commercial properties in West Palm Beach come from failed plumbing issues. Quickly rebuilding is important to keep costs down and prevent further damage. Titan Restoration Construction does not come in remove water and dry carpets. Our teams specialize in repairing the structure where possible and replacing what is not repairable.

As a licensed, experienced contractor (CGC# 1522221), our personnel starts by fixing the source of the damage. With trained plumbers on staff, we can fix every issue from replacing old, corroded pipes leading to a residential bathroom shower to installing a new eye-wash station pulled away from the wall in an emergency.

Sprinkler head above the ceiling of building to extinguish fire

Titan Restoration Construction builders can quickly install new walls as well. Leaking pipes or a sprinkler system that soaked a breakroom over a weekend can destroy drywall panels and warp the framing behind them by Monday morning. For our personnel, constructing new wall framing is one of the simpler tasks they perform in many homes or business job sites.

With the new framing in place, team members can swiftly hang new drywall to separate that wide, open area back into the familiar rooms of your facility or residence. We also have experts that can finish out the work with ceiling and floor trim and then paint everything with the color of your choice.

If your home or business has flooding now or if you still need repairs after a cleanup company has removed the water on your floor, call Titan Restoration Construction at 561-345-3751 today. One of our inspectors can quickly determine how we can help you put everything back together.

Click here to learn more about West Palm Beach.