Does Business Insurance Cover Storm Damage?

Does Business Insurance Cover Storm Damage?

Flooding might be the furthest thing from your mind right now, but ask yourself, does your business insurance cover potential storm damage?

As spring approaches, the weather changes. As unpredictable as the winter weather was, generally could count on it to be cold, and sometimes snowy and rainy. But high winds and pounding rains become more frequent as spring and summer approach. Flooding might be the furthest thing from your mind right now, but ask yourself, does your business insurance cover potential storm damage?

What Storm Damage?

Typically, storm damage will come from fallen trees and flooding. Roof shingles will also be ripped off and windows will be blown out. But if you are particularly worried about flooding, keep in mind that your business insurance provider will probably see it differently than you do. An overflowing river can wreak havoc, but this scenario doesn’t need to happen to qualify as flooding. A buildup of standing water, even from constant rains, might be enough. However, damages from storms and flooding are usually left out of business insurance agreements. In short, you might be responsible for paying for repairs without insurance assistance.

Ways to Minimize Damage

You can always choose the purchase a separate policy that addresses storm damage from flooding. But there are still ways you can minimize the damage to your building, such as:

Prevent Potential Catastrophe: Consider where catastrophe could strike. In most buildings, the basement represents a vulnerability. Keep valuable assets and vital equipment well-maintained, and think about storing them someplace other than the basement if you think a flood is about to happen.

Unclog Drains: You should also make sure that your drains aren’t clogged. Clogged drains can make water infiltration problems that much worse, especially when water forms into puddles and pools.

Install a Sump Pump: Whenever a flood happens, having a sump pump can make it easier to recover. Always make sure the sump pump is working as it should so it doesn’t fail when it is most needed during a disaster.

Final Reminders

Remember that any standing water left behind can become a haven for bacteria and insect infestations. Rain washing off sidewalks and building exteriors can carry with it almost anything that is left out, including pesticides and other potent chemicals. Make sure no one enters the flood-affected areas, and if you are unsure of what to do next, seek professional expertise to make sure everyone in and around your building stays safe in the event of an emergency.

Get in Touch with Wachter Insurance

Whether you need business insurance, homeowners’ insurance or auto insurance, our team at Wachter Insurance Agency, Inc. is here to help. We give our clients competitive rates, professional customer service, and a vast range of policies to choose from for your needs. We have been serving Maryland, West Virginia, Virginia, Pennsylvania, and the District of Columbia since 1969 and we would love to help keep your home and family safe every day of the year. For more information, give us a call at (301) 371-6335 or visit us online. For more blogs like these, follow us on FacebookGoogle+, Twitter, and Pinterest.

 

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