What To Consider When Purchasing Commercial Storm Insurance

6/16/2018 (Permalink)

Loss of property and property damage due to a severe storm can be devastating for you and your business. The best way to mitigate the long-term negative effects of a severe storm on your company is to be proactive and ensure that your insurance coverage adequately addresses your needs in Ogden, UT. Storm insurance varies by plan and location, but typical plans cover one or a combination of the following:

1. Fire Damage:

Most plans cover loss of or damage to the physical structure of your business (i.e., your office or building) as well as property contained within the damaged area. Plans may also cover any damage caused by smoke, to include lingering smoke odor.

2. Flooding:

Flooding caused by heavy rain, hurricanes, or other tropical storms not only wreaks havoc on your floors and piping, but it can also damage carpets, furniture, and other appliances used in your business each day. Typical insurance plans cover the replacement of physical structures damaged by water as well as property destroyed within the flooded area. Plans may also cover the removal of residual mold or mildew that resulted from flooding.

3. Wind Damage:

Windstorms such as tornadoes or hurricanes can cause physical damage to your building and belongings. Typical insurance plans cover damage to your business’s physical structure as well as any damage caused within your office or building due to exposure to the elements. Some storm insurance plans may also cover removal of trees or debris as a result of the windstorm.

4. Snowstorms:

Icy conditions and snowstorms can lead to roof, gutter, and even wall damage. Plans may cover damage to your business’s physical property to include burst or frozen pipes. Some plans may also cover water damage as a result of melted snow or ice.

Since storm insurance coverage varies, it is important to understand the storm risks in Ogden, UT, and to purchase an insurance plan that adequately covers the replacement and clean-up costs of your property after a storm or natural disaster.

For more information, please visit us at http://www.SERVPROogdenut.com/.