Clean-Up Tips for After a Flood
Maanen Insurance Group knows your Greeley, CO home means a lot to you. When a rising water event floods your home, you need to take action immediately to save yourself, your family, and your property. While your flood insurance will reimburse you for the damages, some items just aren’t replaceable, such as antiques your parents passed down to you.
You need a way to save them from the aftermath of the floodwaters – the mold and the mildew. This blog teaches you the steps to take after a flood for cleanup and debris removal as well as mold and mildew treatment.
The quicker you can begin to save your home and its items, the better your outcome. You cannot return until authorities have said it is okay to re-enter the area. Once you can go home though, follow these steps to attempt to prevent mold growth.
- Hire a professional mold remediator or a flood clean up expert. These specialists have the equipment, sanitizers, and bacterial treatments that can rid your home of mold, mildew, and prevent it from developing.
- Before the specialists arrive, prevent the spread of mold and mildew by moving items that didn’t get wet outside. Keep them in the sunlight as long as possible, so long as the forecast holds no rain. Also, remove the flooded items you want to salvage, but place them in other areas of the yard, so they can begin to dry.
- Remove as much flood water as possible using buckets and mops. You can use a sump pump if you have one. Sweep out as much dirt, mud, and debris as possible.
- Use any dehumidifiers, fans or heaters you have to start the drying process. Ventilate your home by opening the windows if it is not humid outside.
- Remove wet carpet and its padding because once it gets saturated, it cannot be saved. It will develop mold if you leave it in place, so just rip it out. This prepares your home for the flood and a mold remediation expert to visit.
- The remediation experts will test your drywall to determine if it needs replacement. If inundated during the flood, they will cut away the drywall from one foot above the flood line down. Mold cannot be cleaned and removed from porous materials. They’ll dispose of the cutaway drywall and replace it with new. They’ll do the same with wall paneling damaged in the flood.
- The remediation crew will also remove damaged insulation.
- The remediation crew completely dries and sanitizes your home.
- Have new materials installed.
- Show the flooded items you’d like to try to save to the remediation team. They’ll show you what they can do to remove mold and mildew but know in advance that some items cannot be saved.
Maanen Insurance Group wants you ready for any hazard that could hit your Greeley, CO home. Floods happen everywhere. While flood insurance reimburses you for your loss and helps pay for remediation, you’ll need to help the remediators get started. Contact us as soon as the flood occurs, so we can help you.
When it comes to protecting your business in Greeley, CO, you need the right commercial insurance policy. Every business is different with different needs and an experienced insurance agent from Maanen Insurance Group can help you find the best policy for your needs while helping you save money in the process. Read on to learn about three tips for buying commercial insurance in Greeley, CO.
1. Compare Several Quotes
Because your business is unique, it’s important to compare many insurance quotes before deciding on the right one. Go over the coverage and cost in detail and be sure to write down any questions or concerns you have. The agent you work with will help you get all your questions answered and help you secure the right policy for the right price.
2. Bundle Your Insurance Policies
Insurance companies are known for rewarding loyal customers with discounts on their policy premiums. To get this discount, all you have to do is bundle your insurance policies under one insurance carrier. Bundle your auto, homeowners, life, umbrella, commercial, and any other insurance policies you have and watch your savings grow. You can do this with your current insurance carrier or switch to a new one that offers more savings and better coverage.
3. Work with a Reputable Agent
To find the best commercial insurance policy at the best price, you should work with a trusted insurance agent. The agents at Maanen Insurance Group are standing by to serve you and your insurance needs. We will help you compare quotes, bundle your policies, and get your business protected – all while saving you money. Contact us today at 970-350-2644 to reach a reputable insurance agent.
Our commercial clients understand that just one accident can have a significant negative impact on their bottom line, even if they have years of accident-free history. One slip and fall claim can cause more than a headache, and it’s important to protect your business’s bottom line from nuisance claims. If you own a business and are unsure if you have adequate coverage to protect your Greeley, CO area interests from a slip and fall claim, contact Maanen Insurance Group today. We can review your current policy and make sure that you have the protection you need should a claim be brought against you.
Slip and Fall Claim Coverage is a Necessity
With a comprehensive policy, you can protect your commercial interests from slip and fall and other claims. There is no reason for an accident to have a detrimental effect on your business and erase years of your hard work. Don’t be vulnerable to frivolous lawsuits that start out as just a headache and turn into serious issues. There are a lot of dishonest people who won’t think twice about taking advantage of a situation when given the opportunity.
Protect your assets with a policy that can minimize your company’s liability in the event of a mishap or accident. There are commercial insurance policies available that go beyond simply protecting your building and property and also help to protect your bottom line. If your current policy has gaps in coverage and doesn’t provide adequate protection for your needs, we can help you find one that does. With the many options available there’s no reason to go without full coverage.
Don’t put off protecting your Greeley, CO area business from slip and fall and other nuisance claims. Contact Maanen Insurance Group today and schedule a policy review consultation.
Maanen Insurance Group in Greeley, CO, offers flood insurance policies, to Colorado residents.
THE HISTORY OF FLOOD INSURANCE
Congress enacted laws, The Swamp Lands Act, which gave the title of swamp lands to the states to maintain productive agriculture use and the Flood Control Act was enacted to control irrigation and address the management of water. The killing of 415 people as a result of the Ohio River Flood is but one example which required flood management control, and catastrophic floods nationwide required a more sophisticated approach.
Flood insurance naturally developed based on the mechanics of federal flood control. The Federal Emergency Management Act (aka FEMA) is under the Department of Homeland Security. FEMA’s purpose is to organize the state and local resources in response to disasters after the governor declares a state of emergency. Individuals who face flooding disasters seek aid through FEMA flood insurance which controls The National Flood Insurance Program (NFIP), which provides economical insurance homeowners, businesses and renters. The NFIP works with communities to manage and enforce floodplain management regulations, and it can not exceed $250,000 for your home’s structure and $100,000 for your personal property. If your damages are above these limits private flood insurance, underwritten by lending institutions, is permitted.
On September 9, 2013, of the 64 counties in Colorado, 14 counties were affected by catastrophic flooding over a 200-mile area, which started. Before the storm, Colorado experienced a drought. The flooding caused eight deaths, with over one billion in damages. In 1976, the Big Thompson Flood, in the first three hours, there were twelve inches of rain, with flash flooding killing 144 people with thirty-five million dollars of damages.
The agents of Maanen Insurance Group in Greeley, CO, their clients encourages their clients to purchase life-sustaining flood insurance. Please call!
It doesn’t matter how large or small your business is, what industry you work in or what type of company you run, every business has risks and concerns specific to them. That is in addition to the common threats that all businesses face as well. The agents at Maanen Insurance Group offer businesses in Greeley, CO and beyond, commercial insurance to help protect companies from these types of risk.
Commercial Insurance Specifically for Your Business
If your business doesn’t involve any dangerous activities or strenuous activity, then the type of commercial insurance coverage best suited for your needs would be different than that of a construction company. With commercial insurance, the layers and options available in packages and plans tailored for your business will be designed to meet your needs and cover your concerns.
Commercial Insurance for Every Business
While there are countless aspects and considerations for each specific business, there are also threats common to the livelihood, success, and operations of every business. Acts of God, catastrophic storms or criminally-related activities are all examples of threats that could potentially strike any company, anywhere and at any time. The right commercial insurance will offer added protection tailored to fit your business and also add a layer of protection to thwart the impact of the dangers that every business could potentially face.
If you do business in Greeley, CO or the surrounding area, reach out to a friendly, professional and experienced agent at the Maanen Insurance Group to find out more about commercial insurance or for any of your business insurance needs. We never want to need insurance, which is also why we get it. Getting the right insurance begins with meeting the needs, seen and unforeseen, of your business.
Commercial insurance policies include many different types of coverage. In Greeley, CO, businesses are required to carry Worker’s Compensation insurance as part of their coverage. This type of insurance is typically not included in commercial policies but may be covered as part of an umbrella policy. The agents at Maanen Insurance Group can answer any questions business owners have about both types of insurance coverage and what they include.
Injuries in the Workplace
Injuries in the workplace can have many causes. It’s essential to understand what type of liability the company has so that the right type of insurance can be purchased. While slip and fall injuries may be considered a Worker’s Compensation case, an injury sustained through the malfunctioning of a piece of equipment may also fall under a different form of liability. Both are valid, but it will be up to the insurance company to determine what type of insurance is used to cover the complaint.
Worker’s Compensation insurance is designed to cover both the medical expenses that resulted from the injury as well as the loss of wages while the employee is not allowed to return to work. Worker’s Compensation cases must be filed within certain deadlines to be valid and require medical documentation to be approved. Every employer is required by law to carry this type of insurance.
If you own a business in the Greeley, CO area, contact the agents of Maanen Insurance Group to get the information you need pertaining to commercial insurance and Worker’s Compensation coverage. Schedule your appointment today to ensure your business and your employees are fully covered. Agents are waiting to take your call!
Flood insurance is not always understood by many homeowners. Some homeowners think flooding is covered by their homeowner’s insurance policy when, in reality, that is not usually the case. Here at Maanen Insurance Group, serving the greater Greeley, CO area, we want everyone to understand more about flood insurance and who it is beneficial for. Here is some additional information about flood insurance.
Is Flood Insurance Beneficial For Every Homeowner?
It is essential that you understand that flooding caused by storms, such as heavy rains or hurricanes, is not usually covered by a standard homeowners insurance policy. If your basement were to flood due to heavy rains or a creek spills over its banks and floods your home, you would be on your own to fix it if you did not have flood insurance. Flood insurance can be an add-on to your existing homeowner’s insurance policy or a stand-alone plan, depending on who you purchase it from.
Flood insurance is most beneficial to those who live in a flood plain or areas that are most susceptible to flooding. However, that does not mean that only those living in a flood plain should have flood insurance. Flooding can be unpredictable, and those areas that have never flooded before may suddenly flood. Having flood insurance helps to protect the investment you have in your home and protect your finances. As such, flood insurance can be beneficial for every homeowner.
If you do not have flood insurance to cover your home, now is the perfect time to consider buying a policy. Here at Maanen Insurance Group, serving the greater Greeley, CO area, we can help you. Give us a call today and let us help you with your insurance needs whether you are in Colorado or one of the other many states we serve.
Physical locations of businesses face many hazards on a daily basis that require them to have top-notch insurance that will provide coverage. One of the hazards that many people don’t consider is that a vehicle could drive into the building and cause extensive damage.
Impact From A Vehicle
Although an impact from a vehicle is a less frequent occurrence, it still can happen any time of the night or day if the business is located in a first-floor building. If you have a brick and mortar business located on street level, you may need coverage from a vehicle impact to the building at some point. Finding coverage that will protect you from these damages as a result of the crash is critical to prevent financial losses. Work with an insurance agency that can guide you in the right direction to discover policy options that are going to protect you.
Working With A Knowledgeable Agent
Finding the right insurance agency and agents is the key to getting the right type of coverage to protect you from vehicle impacts to your business. If you live in or around the Greeley, CO area, you should check out Maanen insurance Group. We have the knowledge and experience to show you options that will cover you in this type of situation and other less common, but possible scenarios. Our agents will take the time to consider your individual needs and help you get peace of mind.
If you are looking for insurance that will protect your brick and mortar business from a variety of hazards, you should call or stop by Maanen Insurance Group, serving the businesses in and around the Greeley, CO area. Don’t take chances. Get high-quality insurance you can count on when you need it most.
Business owners in Colorado may overlook the importance of comprehensive fleet insurance and opt instead for a primary commercial policy that may not offer the total insurance protection that they need. At Maanen Insurance Group, we are here to serve the commercial insurance needs of the business owners in the greater Greeley, CO area. Whether you own a fleet of semis, limousines, construction vehicles, or food trucks, we can help ensure that you have the insurance coverage that will protect your business interests. In addition to protecting the vehicles themselves, the right policy will also provide coverage in the event of accident or injury.
Comprehensive Commercial Fleet Insurance Provides the Protection Your Business Needs
If you provide your customers with regular delivery services, or your business revolves around transportation, whatever your industry, if you or your employees rely upon company-owned vehicles, comprehensive commercial fleet insurance is a must. Do not let an accident slow you down while you are sidelined during repair or replacement; there are many policy options available that will provide replacement rental vehicles that can keep you on the road. If your employees use their own vehicles for company business, there are policies available that will also cover those cars if an incident should occur on the clock. Construction companies and firms that have a mobile salesforce are just two examples of businesses that may not focus on transportation but still have a significant need for commercial fleet insurance. Now is the perfect time to make sure that your overall commercial coverage includes the protection that your vehicles need.
Is it time to review your vehicle coverage? Contact the team at Maanen Insurance Group today and make sure that your Greeley, CO business has the commercial fleet protection it needs!
Flooding is one of the most prevalent natural disasters. It can happen following a harrowing storm, a broken levee, or an overflowed river. If you ever have to experience a devastating flood in your home, there are a few things you should do afterward. The independent agents at Maanen Insurance Group can help you with flood insurance in Greeley, CO or the surrounding areas.
When Going Back Home
Make sure that it is safe to go back before you enter your home.
Check on your appliances and other electrical items. If they were flooded, you’d need to keep a safe distance and have a qualified electrician come out before you can use them again. If you use a water soaked appliance, you could be shocked or start a fire.
The electrical panel should be dry, if not you’ll need to leave it until an electrician can look at it and make sure it is in working order.
Inspect Your Home
Look for random debris, broken glass, or unsafe furniture. Have it removed to maintain safety.
Be cautious of standing water. Flood waters can contain pollutants or sewage. After you’ve spent days away from your home, you don’t want to come home and get sick. Contact a company that specializes in removing water from homes.
Throw any water-damaged items away.
Check the walls for visible mold or mildew. You’ll need to have it treated by a professional before moving back in.
In Greeley, CO, floods are generally not covered under your homeowner’s insurance policy. You’ll need to have flood insurance even if you don’t live in a floodplain. The experienced agents at Maanen Insurance Group can help you protect your home from a flood by assisting you with flood insurance coverage.