4 Actions To Take When Deducting Storm Damage
Some of your expenses can be tax-deductible
Take The Actions Below
If your business in Batavia, IL, is impacted by a powerful storm, you are likely to have costs and expenses that affect the bottom line. In these cases, it is best to look at all possibilities for financial relief from storm damage. If the storm is large enough, there could be options for disaster relief that either provide outright grants of assistance or low-interest loans. You should also contact your insurance agent to maximize payment from this source. Finally, some of your expenses could be tax-deductible so it is important to take the actions below.
1. Contact Your Tax Professional. A tax professional will be your best source of information on what does and does not qualify for a tax deduction. While the federal laws will be fairly uniform across the nation, the rules for state and local tax deductions will vary from place to place.
2. Keep Good Records. Any tax deductions for storm damage will need to be backed up with good records. This means keeping receipts, taking photos of damage and listing all of your company's expenses.
3. Contact a Professional Remediation Company. A reputable storm mitigation franchise can be of help in many ways. A SERVPRO team can arrive on site Faster to Any Size Disaster and begin the cleanup in a matter of hours. They can also be of assistance in coordinating records for insurance payments and tax write-offs. This is critical since anything paid for by insurance will not be eligible for a deduction.
4. Follow All Applicable Laws. Tax policy can be confusing and changes occur each year. Make sure you are claiming all available deductions and following all provisions of the tax laws. Knowing the latest rules for storm damage can save you a bundle the next time your company files its taxes. Having extra money in hand can help you rebuild after a damaging storm.
How to Repair a Damaged Roof After a Fire
Roof damaged by fire in St. Charles, IL
Make Sure You Properly Secure The Roof
It doesn't take a large fire to cause extensive damage to a building. The roof is often one of the first parts of a structure that suffers problems. If you respond quickly and effectively, you might be able to save at least a portion of the roof as well as the rest of the building. During the fire cleanup process, make sure you properly secure the roof.
Making the Right Calls
There are some key people to get in touch with as soon after a fire as possible. If you and others are in the building when it starts, get to safety immediately. You should then make the following calls:
- Notify the fire department of the emergency.
- Contact your insurance company and file a fire-loss claim.
- Get in touch with a professional fire cleanup company to help you rebuild the structure and salvage and materials possible.
Assessing the Roof
You should never get up on the roof of a building following fire damage. Let professional crews in St. Charles, IL, evaluate the extent of the damage and determine the next steps. These experts have the skills and equipment to safely and efficiently handle all roof repair matters. The team will tear out damaged materials and clean any ash and soot that remain after the fire. Technicians will also board up windows and other gaps in the building.
Before the repair crew can replace the roof, technicians will enlist tarp services to cover it. This will help prevent the elements such as rain, snow and hail from getting into the building and inflicting further damage. A well-placed tarp will also reduce the effects that heavy winds can have on an otherwise exposed structure. Tarping, along with boarding, will also help to fend off animals and discourage looting and trespassing.
Placing tarps over the roof is a vital part of the fire cleanup process. Hire a restoration and repair team you trust to help.
4 Steps To Cleaning Sewer Damage
Commercial building drying in Geneva, IL
Four Steps To Do When Cleaning Contaminated Water
As a business owner in Geneva, IL, you may be wondering what is involved in sewer cleanup. Whether the water source is from a toilet overflow, burst pipe, or backup, sewage is considered some of the dirtiest water there is. Since sewage can harbor bacteria, viruses, and other contaminants, it is important to clean the area properly. Here are four steps that must be completed when cleaning contaminated water.
1. Assess the Damage
Determine how large of an area has been impacted. Water from a flooded toilet can seep into baseboards or crawlspaces. If you have a room underneath the flooded area, check the room to make sure water is not leaking from the ceiling. Keep in mind that water can break down molecules, so the longer the water is left to sit, the more damage can occur.
2. Remove the Water
Follow safety measures when dealing with sewer cleanup. Wear protective gear and do not let the dirty water make contact with your skin or clothing. If you do accidentally touch the water, wash yourself thoroughly with soap and clean water. Professionals often use water extraction machines to quickly and safely remove excess water from your building.
3. Dry the Moisture
When water is left to sit, mold can begin forming in as little as 24-48 hours. Experts use moisture sensing technology to find hidden problem areas. Professionals use industrialized blowing machines and dehumidifiers to dry the area faster than regular fans do, without spreading contaminants through the air.
4. Clean and Sanitize
All surfaces that come into contact with water from a sewer backup must be properly cleaned and disinfected before it is considered safe to reenter the area. Restoration companies have a variety of methods for sanitation including antimicrobial treatments and biocides.
Sewer cleanup can be a nuisance for business owners. However, by working with a professional water remediation company that is Faster to Any Size Disaster, you can have your business back to normal as quickly as possible.
5 Tips to Help Prevent Sewage Backup
Never pour grease down the drain
Protect Your Property From Black Water Flooding
Sewage backup is one of the most common causes of black water floods. These dangerous incidents contain harmful biohazards and can cause severe damage to your property in Elburn, IL. Preventing the issue in the first place is preferable than having to pay for expensive damage repairs. Read on to learn about 5 ways you can protect your property from black water flooding.
1. Take Care of Your Sump Pump.
Proper sump pump maintenance is super easy and can save you a lot of storm damage and flood related trouble in the long run. Make sure to check the filters and pipes for debris, such as gravel and silt, regularly. Also make time to test your sump pump to ensure it's working properly.
2. Only Flush Proper Paper Products.
You can easily clog your toilet by flushing the incorrect items down the pipes. Make sure that you never flush feminine hygiene products, diapers, paper towels or other thick items down the toilet. If you use multi-ply toilet paper, try to limit how much you flush at once to prevent toilet flooding.
3. Never Pour Grease Down the Drain.
Oils can harden inside your pipes, gradually slowing drainage and building up clogs over time. Instead, you need to pour the grease into a heat-resistant container and dispose of it in the trash.
4. Install Backwater Prevention Valves.
These valves can help prevent sewage backup and flooding. These devices are typically installed into your residential sewer line. They enhance sewer cleaning by permitting sewage to leave your pipes, while simultaneously preventing it from backing up into your basement or other parts of your property.
5. Opt for Plastic Sewer Pipes.
Older sewer line pipes are typically made out of cast iron, which ages and cracks over time. Newer pipes are made out of plastic, which has a significantly longer lifespan and is less likely to damage as easily.
Sewage backup floods are extremely messy and can cause a lot of damage. This is why your best course of action is to prevent them from occurring in the first place. Contact flood remediation experts if you have suffered from one of these floods.
Why Does Mold Keep Coming Back?
Mold damage in Geneva, IL
Three Reasons Why Mold Might Be Coming Back
Mold is notoriously tricky to get rid of. Even after you’ve scrubbed and cleaned your house, you might find green or black mold spots. Recurring mold is especially common in homes that have water damage.
Do you have a persistent mildew problem in your Geneva, IL, home? Here are three reasons mold might be coming back.
1. Dirty Ducts
Mold is microscopic and can easily float on air currents. You may have cleaned all the damaged surfaces, but if the mildew is in your air ducts, they may spread through your house when your HVAC system is on. If the air throughout your home smells musty, you may have mold in your air ducts. If the area is small enough, you can clean it yourself with a mixture of bleach and water. If the affected space is larger than 10 square feet, have a licensed professional perform the mold cleanup.
2. Moisture and Humidity
Controlling moisture is essential in getting rid of mold, as it grows best in humid or damp places. According to the US EPA, mold can start growing in as little as 24 hours on a wet surface. Quickly fixing leaks and drips will reduce the chance of dealing with contamination, such as black mold, again. Keep the humidity inside your house below 50% by running a dehumidifier or weatherizing your home.
3. Wet or Damp Items
Mold feeds off organic materials such as wood and fabric. Because carpets, drywall and upholstery can retain water, thoroughly dry or replace them after a flood or a burst pipe. Mildew can hide under wallpaper – take care when taking it down so the spores don’t spread through the room. Use bleach for surface cleaning, and run fans or dehumidifiers to dry paneling and flooring.
Despite your best efforts, you may not be able to get rid of all the mold yourself. If you suspect your home has damage, contact a mold remediation company. They can contain and remove contaminants such as black mold from your home.
How to Repair a Leaky Toilet
A leaking toilet is a relatively easy household repair to make
A toilet is a very durable, reliable household fixture that is able to last for decades without too many issues. That being said, even the hardiest of toilets can still succumb to leaks from time to time. Follow the steps below if your house in North Aurora, IL, has a leaking toilet.
Step by Step Toilet Repair
Luckily, repairing a leaky, old toilet is a relatively easy process, even if you don't have any experience with plumbing.
Use a wrench to disconnect the supply tube from the shutoff valve. Double check to make sure all the water is drained from the bowl and tank in the leaking toilet.
At the base of the toilet, remove the rounded caps that cover the closet bolts. Remove the hex nuts using a wrench.
Grasp the toilet by the bowl and carefully lift, using your legs. Set the toilet down on an old blanket or cardboard sheet to prevent water damage on your bathroom tiles.
Go to the closet flange and scrape off the old wax gasket. Inspect the closet flange for damage. In most leaky toilet repair cases, a section of the closet flange is broken off.
Loosen the screws that secure the flange to the floor and slide a repair strap underneath it.
Center the new wax gasket on the closet flange. Both closet bolts should be in place during this step.
On the bottom of the tank, connect the new water supply tube to the threaded fill-valve shank.
Apply downward pressure on the rim of the toilet bowl to compress the gasket. Tighten the nuts and apply more pressure.
Trim the tops of the closet bolts using a close-quarter hacksaw. Tighten the nuts and replace the caps.
Reconnect the supply tube to the shutoff valve. Open the valve and flush the toilet. Carefully inspect the new toilet for any leaks.
A leaking toilet is a relatively easy household repair to make. If the above process does not fix the leak, contact water remediation experts for further assistance.
Top 5 Leading Causes of Home Fires
Malfunctioning appliances can spark, resulting in a dangerous fire
Leading Home Fire Causes
Fire is extremely volatile and can spread quickly, consuming your entire home, if not responded to appropriately. According to the National Fire Protection Association (NFPA), fire departments in the United States must respond to home fires every 24 seconds. Don't let your home in St. Charles, IL, become part of that statistic. Study the following leading home fire causes to help protect your property.
1. Cooking Fires
Cooktops generate open flames that can quickly spread out of control if they aren't watched carefully. Home cooking fires account for approximately $1 billion in property damage, 550 deaths and 4,820 injuries every year.
2. Electrical Fires
Malfunctioning appliances can spark, resulting in a dangerous fire. These fires account for 13% of all residential fires, including 18% of all civilian fire deaths. These fires are most likely to occur in the colder months.
3. Candle Fires
Candles may generate a small flame, but that doesn't mean that they're completely harmless. Most candle fires occur when other household items, such as furniture and curtains, are kept too close to the flame. It only takes a few seconds for them to catch fire and consume the house.
4. Careless Children
Children playing with fire are responsible for $172 million in property damages every year. 83% of these fires are caused by young boys, half of which are under the age of six. Properly fire safety education is vital when it comes to preventing these accidents.
Smoking is one of the leading causes of home fire deaths. These are often caused when someone carelessly smokes a cigarette, cigar or other product too close to combustible materials.
While the dangers listed above do account for the largest amount of home fire causes, they are nowhere near the only dangers you have to watch out for. Educate yourself on other common fire dangers and make the proper preventative measures. Contact fire remediation experts for more information, or if you need assistance with fire cleaning following an incident.
Key Steps To Take After a Fire in Your Building
Being in the middle of a disaster can be a helpless feeling. Your first priority is to get out safely and make sure everyone in your building is all right. Once everyone is out of harm’s way, though, you need to act quickly to start the cleanup and rebuilding effort. This can be a complex process. Fortunately, you can rely on the expertise of fire restoration specialists to get things back to normal.
Call Your Insurance Company
Once crews have put out the fire, you need to call your insurance agent right away and report the incident. The fire insurance company will work closely with the restoration team, but it’s important to have some information for the agent:
Describe the extent of any smoke damage or other issues.
Describe what was damaged.
Report if there were any injuries or fatalities.
Give the insurance company the name of the restoration team you are working with.
It may be tempting to enter your St. Charles, IL, building to inspect the damage or salvage personal items. Leave this to the firefighters, cleanup and rebuild crews, and other professionals. The fire damage will create an unsafe environment. To avoid additional damage to your building, materials and to yourself, do not enter your building until you are told to do so.
The board-up effort is one of the first things that will happen in the fire restoration process. Before crews start smoke cleaning or addressing water damage, they’ll usually place plywood or tarps over the roof and over any exposed areas of the building. This will keep out the elements as well as vandals. This is an effective way to secure your facility to allow for a safe and thorough cleanup.
Fire restoration can handle even the biggest fire mitigation projects. If you take the proper steps after a fire, you should be able to resume your regular work more quickly.
5 Steps for Mold Remediation at Your Business
Mold containment in North Aurora, IL
Mold Remediation Process
If you’ve found black mold at your North Aurora, IL, business it’s best to contact a local mold remediation service as quickly as possible. These professionals can contain the problem, remove the mold, and clean the space. Here’s what you can expect to see during this process.
1. Damage Assessment
The first thing you will often see a remediation service do is to perform a damage assessment. This will involve testing for mold to determine where it is and what type they are dealing with, as well as making plans for remediation.
2. Mold Containment
Containment is an important part of mold remediation as it’s a step that helps prevent further contamination of the space. This step usually involves sectioning off the affected area with plastic sheeting and using a ventilation system to control airflow.
3. Mold Removal
The next step should be the removal of the black mold. In this part of the process, the professionals doing the remediation may remove any surface the mold has contaminated including portions of walls and flooring if necessary. Once the affected materials are out of the area the space can be thoroughly cleaned.
4. Item Cleaning
During the mold cleanup, office items will also need to be cleaned. Each item may have a different cleaning process depending on the size and material type. They will then be moved to content storage until it is safe to return them to the space.
Once the mold is removed and the space cleaned, the restoration process can begin. This step involved replacing any removed components with new material to return your business property to pre-mold conditions.
When removing black mold from a business, the remediation professionals will often start with a damage assessment. The nest steps include containing the affected area, removing the mold, cleaning any affected items, and making repairs. With a little effort, they can have your business looking “Like it never even happened.”
Choosing Business Insurance for Water Damage: 3 Tips
Water damage at a warehouse building in Elburn, IL
Keep In Mind The Following Three Tips
Protecting your Elburn, IL, business from the ravages of water damage due to both indoor and outdoor flooding can help you avoid financial stress and safeguard your investment. Business insurance offers protection against many different types of flooding, but before you sign a policy, there are a few tips you may want to keep in mind to make an informed choice about the kind of protection you choose.
1. Coverage May Vary
While business insurance may cover certain types of flooding, it may not offer an all-encompassing blanket of protection. For example, your insurance might cover flooding from broken pipes, but if your business suffers damage from outdoor flooding or a sewer backup, you may have to pay out of pocket for it. Asking your insurance representative about these exceptions may help keep you in the know and give you peace of mind if flooding does occur.
2. You May Need Additional Coverage
A single business insurance policy may not offer you the kind of coverage you need because of the many ways water damage might occur. Ask your insurance representative if you require any addendums to your policy and if your commercial property has any features that might make it at higher risk for flooding, such as its location
3. Ask About Cleanup Coverage
If a flood occurs at your business, you might need a water cleanup and restoration service to remove standing water and remove and replace damaged building materials. As you create a flood insurance policy with your insurance representative, you may want to inquire about whether the policy you choose covers this cost. Because flooding can cause such widespread damage, this type of coverage may help you minimize the cost of flood recovery.
Water damage can have a serious impact on your Elburn, IL, business. While investing in business insurance can protect your investment, keeping the previous tips in mind may help you create a policy that offers a wide range of flood coverage.