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Why Your Business Needs Fire Insurance

One of the advantages of using our services is that we can help expedite your insurance claim in the event of a fire. For businesses this can be especially important since a hostile fire – one that is unintended and uncontrollable – can have a negative impact on that company’s bottom-line by causing it to lose money while repairs are being made. Sadly, some businesses either forgo fire insurance coverage or do not have enough fire insurance to cover such a catastrophic event. If you are leaning toward skipping this policy, here are a few that reasons why having fire insurance for your business is a smart idea.

  • Fires are a common cause of property damage: While fires occur with greater frequency to homes than they do to businesses, they are still one of the most common causes of property damage to companies. In fact, according to the National Fire Protection Association, 28% of fires occur to commercial, institutional or public buildings.
  • Repairs can be extensive: If your business has little or no fire insurance coverage then it will have to foot the bill when a major disaster occurs. Depending upon the extent of the damage, costs can be so great that they can actually cause businesses to shut down permanently. Fire insurance can cover most if not all of a company’s loss in the aftermath of a fire.
  • You may lose business: A company that is closed for an extended period of time may end up losing business while repairs are being made, the business is being relocated, etc. If your company has adequate insurance then repairs will be expedited quicker than if it is lacking coverage.
  • Fire insurance helps you sleep at night: Business owners have a lot of things to worry about. Fire should be the least of their concerns. When a company has adequate fire insurance coverage, its owners and employees can have peace of mind and focus on maintaining and growing their business. fire
  • It may be mandatory: If your business has been supported by a loan of some type, fire coverage may be a prerequisite to maintaining said coverage. Lenders want to know that they will be able to recoup their losses should the unplanned happen.

For all these reasons and more, having adequate fire coverage is a necessity for protecting your company’s assets, its employees and its lenders. We can help you in the event of fire as we not only specialize in fire damage repair and water damage restoration; we also work with insurance companies to make sure that you are compensated in an expeditious manner.

Why Mold Sometimes Returns

Mold is an unusual organism with special characteristics. It is aggressive, prolific and can often re-appear even after a homeowner’s best efforts to destroy it. It can reappear even after mold remediation has been performed by experts. So, what is the value of hiring mold cleanup in Thousand Oaks? Well, we can find mold even when it may escape detection by homeowners and our experience and equipment can make it far less likely to reappear after we have treated the area.

Déjà vu all Over Again

So, once mold appears many homeowners wonder why it is happening to them again. The simple answer – as we said – is that mold can be very persistent. However, it is a bit more complicated than that. Here are some other reasons why mold can sometimes reappear in homes and offices.

  • It was not completely removed in the first place: The danger of using DIY methods to remove mold is that they are usually quite incomplete. Mold can hide in a number of places around the home. Some of these places are not always obvious to homeowners. Thus, someone can believe they have removed all mold from their home when they indeed did not. We have equipment that can detect the presence of mold in the air. Most DIYers do not have access to such equipment.
  • The right solution was not used: Most people think that bleach alone can permanently destroy mold. This is not true. While mold may destroy surface mold in some cases, it is not effective in killing all mold particularly when it covers porous surfaces.
  • Moisture levels were not controlled: When you pull moisture out of the air mold is in effect suffocated. Mold requires moisture, warmth and a place to grow. Try using a de-humidifier after we have successfully performed mold remediation on your home.
  • Mold was spread during the cleanup process: The other danger that is created when non-professionals attempt mold removal is that they sometimes release microscopic particles into the air as they are attempting to remove mold. These particles can land elsewhere in the home and the problem can begin all over again. Moreover, airborne mold particles can enter the body through the nose, eyes or ears during this attempted cleanup.
  • Proper ventilation was not used: One way to decrease the chance that mold will reappear is to maintain proper ventilation all throughout your home. When you do, moisture levels and reduced meaning that mold will not have an environment in which to grow.house mold

At Conejo Restoration, we handle mold remediation right the first time! Moreover, our experience and the special equipment we use decreases the change that mold will make an unwanted re-appearance in your life. We also handle water damage repair and fire damage repair.

Northern California Faces New Wildfires and Forced Blackouts

The nature of news is that just as one event take holds in the public consciousness something else replaces it. Thus, many people outside our state may have forgotten about the wildfires that are a constant threat to most us here. Well, back to remind us of the fragility of life and how we in The Golden State can never forget about this danger are new wildfires that are currently raging in Los Angeles, Sonoma and San Bernardino counties. As of this post, these wildfires have destroyed thousands of acres of land and threaten residents in both Southern and Northern California with massive blackouts.

The Latest Developments

October 25: More than 3,000 firefighters are engaged in fighting the Kincade fire alone.

Oct 26: PG&E has begun shutting off power to nearly 3 million people in Northern California. The company has called this a “public safety power shutoff” and says that it is necessary to avoid the possible spread of the wildfire.

Oct 27: The Governor of California – Gavin Newsom – has declared a state of emergency due to high winds that are helping to spread the fires. “We are deploying every resource available, and are coordinating with numerous agencies as we continue to respond to these fires,” Mr. Newsom said.

Oct 25-27: Nearly a quarter million people have been ordered to evacuate from the path of the Kincade fire near San Francisco.

Oct 27: The Saddle Ridge Fire, Tick Fire, Old Water Fire, Oak Fire and Palisades Fire are still burning in Southern California.

Oct 25 -27: A fire weather watch has been issued for more than 7 million from Redding down to Sacramento.

Here is a partial list of active fires in California from October-25, 2019.

  • Bautista Fire
  • Briceburg Fire
  • Cabrillo Fire
  • Caples Fire
  • Eagle Rock Fire near the Yosemite Recreation Center
  • Kincade Fire (This fire – which started near Geyserville – has been burning since Oct 23 and is being spread by a “wind event.”
  • Nelson Firefires
  • Palisades Fire

Experts believe that the start of this fire is human caused as is the case with 84% of all wildfires. One of these causes is Californians who have built their homes in fire-prone areas of the state. This increases the chances that a spark will be ignited by some human activity that can ultimately set off a fire. Moreover, reports are that the Kincade Fire started in the Geysers, The largest geo-thermal electrical facility in the world.

At Conejo Restoration we all familiar with the damage that fire can cause. We know about the ancillary damage that can follow in its wake can necessitate mold, expert smoke repair and fire damage repair. We know about the disruption in lives these events cause. Our thoughts and prayers go out to the men and women whose lives will be forever changed by these catastrophic developments.

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Newbury Park, CA 91320
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