Recent Fire Damage Posts

Protecting Your Business: Understanding What a Commercial Property Insurance Policy Covers

4/5/2023 (Permalink)

business insurance Commercial insurance is essential to have for businesses of all sizes.

Commercial property insurance, also known as business property insurance, is a type of policy that protects businesses and organizations from financial loss due to damage or loss of their property. Commercial property insurance policies can vary depending on the type of business, the location, and the specific coverage needs. However, there are some common types of coverage that are typically included in a commercial property insurance policy.

Property Damage

Property damage coverage is designed to protect your business against damage to your property, including your building, office equipment, and inventory. The policy will cover the cost of repairs or replacement of damaged property due to fire, theft, vandalism, or natural disasters such as floods, hurricanes, and earthquakes.

Business Interruption

Business interruption coverage provides financial protection for businesses that are unable to operate due to property damage. This coverage can help cover lost revenue, payroll, and other expenses during the time when the business is closed for repairs.

Liability Coverage

Liability coverage is designed to protect your business in the event of lawsuits or claims against your business. This type of coverage will pay for legal defense costs, settlements, and judgments if a customer or third party is injured on your property or if your business causes property damage or personal injury.

Equipment Breakdown

Equipment breakdown coverage provides financial protection for businesses that rely on machinery and equipment. This coverage can help cover the cost of repairs or replacement of damaged equipment due to mechanical failure, electrical surges, or other causes.

Commercial Auto Insurance

Commercial auto insurance is a type of coverage that is designed for businesses that use vehicles for business purposes. This policy can cover damage to your vehicles and liability in the event of accidents.

Flood Insurance

Flood insurance is a separate policy that is designed to protect businesses from damage caused by flooding. Commercial property insurance policies typically do not include coverage for flooding, so it is important to consider purchasing flood insurance if your business is located in an area that is at risk of flooding.

In conclusion, commercial property insurance is essential for businesses of all sizes and types. It provides financial protection for property damage, liability claims, equipment breakdown, and other risks that can impact your business. It is important to review your coverage needs carefully with your insurance provider to ensure that your policy provides adequate protection for your business. With the right coverage, you can have peace of mind knowing that your business is protected in the event of unexpected losses or damages.

How to Choose the Right Smoke Detector for Your Home

2/8/2023 (Permalink)

Smoke detector in action. No matter what type of smoke detector you choose, it is crucial to have one in each room of your home.

Fire is one of the leading causes of death in the country. It’s estimated that more than 40,000 people die each year from fires and that three out of every four fire deaths occur in homes. To protect your home and loved ones from these tragic statistics, it’s imperative to have a smoke detector. But don’t just settle for any smoke detector—make sure you choose one that will give you ample warning if there is ever an emergency at home.

Types of Smoke Detectors

There are two common types of smoke detectors: ionization detectors and photoelectric detectors.

Ionization smoke detectors use an ionization chamber to detect smoke particles. Photoelectric sensors work in exactly the same way as ionization alarms, except instead of using wires to sense smoke particles, they use light beams that pass-through phototubes.

Ionization detectors

Ionization smoke detectors are the least expensive choice and are typically installed in new homes. They’re sensitive to fast-moving fires, which means they can be triggered by flaming fires and large, smoky fires.

Ionization detectors work by detecting the atoms produced when a fire occurs—the atoms that make up smoke from flames and heat. These detectors rely on the detection of particles in the air (ions).

Ionization smoke detectors are the most common type of detector, and for good reason: they're less expensive than photoelectric detectors and can be installed in a period as short as five minutes. However, ionization detectors have a few downsides. One downside is since they're so sensitive to fast fires that produce lots of smoke, they are prone to false alarms.

Photoelectric detectors

Photoelectric detectors are more sensitive to smaller particles and are better at detecting smoldering fires. They’re not as good at detecting fast-moving fires because the smoke particles in those fires move too quickly for the photoelectric sensor to react. 

Photoelectric detectors work by using a light beam as an optical trigger, which is aimed at a photocell on the front of the unit. When light enters this cell, it triggers an alarm if smoke reaches it before you do—but only if there is no visible flame present in your home!

This sensitivity makes photoelectric detectors ideal for detecting smoldering fires before they become fully developed blazes. The speed and temperature at which these fires spread can be detected by an early warning system like this one, so you can take action even before it's too late. 

The importance of having a smoke detector in your home

Smoke detectors are a must in any home. They can help save lives and alert you to a fire before it gets out of hand. Smoke detectors should be installed in every room of your house, including the basement and garage.

A smoke detector is a lifesaver, but these devices are often misunderstood because they are easily forgotten about until an emergency situation arises. To avoid this problem, it's important that you know exactly how a smoke detector works so that you can install them safely and effectively in all areas of your home. A professionally-installed smoke detector is easy to find at most hardware stores or big box retailers like Walmart or Home Depot; however, there may also be local companies that offer installation services as well.

No matter what type of smoke detector you choose, it is crucial to have one in each room of your home. We hope this article has given you the information needed to make an informed decision about which is best for your home.

Quick Guide to Residential Fire Extinguishers

8/24/2022 (Permalink)

Fire extinguisher To make sure you get a fire extinguisher that will operate in your home, read the label carefully.

Extinguishers For The Home

Having a fire extinguisher in your home in Valrico, FL can help you increase your chances of escaping from a fire. With so many products on the market, it can be hard to know which one is right for you. Use this guide and talk with a residential fire cleanup expert to figure out which extinguisher you should stock.


This fire preparedness tool comes in a variety of sizes. The size you want to get depends on where in the house you want to keep it.

  • 2-pound: This small extinguisher is perfect for on the go. You can keep it in the trunk of your car to help prepare you for any situation. Some small models come with mounting hardware, so you can keep it in one place.
  • 5-pound: This rechargeable model works well in fire-hazard areas in the home. Consider keeping it near your kitchen or laundry room, so it's easily accessible.
  • 10-pound: This larger fire extinguisher is ideal for parts of the home that are left unattended for periods of time. The size means there's more fire suppressant chemicals, which can help dampen a fire that went unnoticed for a bit. Keep this size in a garage, shed or workshop.

As you consider the size of your extinguisher, you also need to think about your personal capabilities. If you would struggle to lift and use a 10-pound extinguisher, it might not be the right option for you.


You also have to think about the classification of the extinguisher. Residential products come in three classes: A, B and C. The A classification means the suppressant will work well on trash, wood and paper. B means the extinguisher can help put out a home fire caused by grease or liquids. C usually means it's suited for electrical fires.

Read the label of your fire extinguisher closely to make sure you have a unit that can work well in your home. Consider both size and classification before you buy your next fire dampening tool.

What To Know About Rental Insurance Fire Damage Coverage

4/18/2022 (Permalink)

Renters insurance form and dollars on the table. Renters insurance does pay for damage to your personal property after a fire.

What You Should Know About Renter's Insurance Protection Against Fire

Before you moved into your Valrico,FL, apartment, you probably purchased renters insurance. You may be wondering exactly what that insurance does and does not cover. Most rental policies can be applied to various types of emergencies, including:

  • Storms
  • Theft
  • Accidental overflows of water

Fire is another common peril covered by insurance. However, there are some limits to this coverage. Here are some factors that determine the payout you will receive from your insurer.

Structural Versus Personal Property Damage

The structure of your apartment building is considered the landlord's responsibility, not the tenant's. Any fire damage to the walls, floor or roof should be covered by the property owner's insurance. Your renters insurance, meanwhile, should pay for harm to your personal property within the apartment. You can use this insurance money to replace certain items or to hire fire restoration professionals who can repair your belongings.

Even if the fire resulted from your negligence, the damage should still be covered by insurance. The insurer could deny your claim if it determines that you criminally set the blaze, however.

Replacement Cost Versus Actual Cash Value

Check your policy to see if it includes replacement cost coverage. If not, consider purchasing this inexpensive endorsement. This way, if any of your valuables do need to be discarded following a fire, your insurance will give you enough money to purchase new items.

Without this endorsement, the insurer may only reimburse you for the actual cash value of those destroyed belongings. This amount is likely insufficient to purchase replacements.

Loss of Use

Your rental policy may additionally include loss of use coverage. This helps pay for any temporary living expenses you incur, such as hotel payments, while your apartment is being restored.

Renters insurance does pay for damage to your personal property after a fire. To ensure you can actually replace any items that are destroyed in the blaze, you should purchase a replacement cost endorsement . Your policy may also provide loss of use coverage if you have to temporarily move out of your apartment.

Fire Remediation: From Start to Finish

3/1/2022 (Permalink)

Specialist is cleaning fire damage in a home. SERVPRO of NE Hillsborough County/Plant City is your local water damage and fire damage restoration professional.

From Start To Finish: Fire Remediation

The fire restoration process can be a long one. It starts when a professional fire remediation company assesses the damage to your home and ends only when your home is restored to its former glory. Here is a look at the whole process divided into its two main parts - mitigation and restoration.


Mitigation is the process of getting rid of the causes of the damage to your home in Plant City, FL, as well as the damage itself. When dealing with the aftermath of a fire, you aren’t just looking for items that are burned. Technicians must also deal with other damage:

  • Water damage from efforts to extinguish the fire
  • Smoke damage from the haze created by the fire
  • Structural damage from fire itself

Experts start the process by assessing how much the fire destroyed. Then, they remove excess water and affected items so they can get to the structure itself. They remove the walls, floors and ceilings that are waterlogged or otherwise compromised. The parts of the structure that remain must be cleaned before fire restoration can begin. Smoke and soot must be removed from surfaces and cleaned out of crevices. Everything must be disinfected to ensure that no bacteria or harsh chemicals remain.


After damage cleaning is complete, technicians can begin to put your home back together again. Walls and insulation that were torn out are replaced. Ceilings, cabinets and flooring are rebuilt. The finishing touch comes when the restoration crew makes sure that the new parts of your home match the areas they were able to salvage. When they are finished, your home should look “Like it never even happened.”

When looking for a company to handle fire restoration for your home in Plant City, FL, it can be helpful to choose a company that specializes in both mitigation and restoration. By incorporating the two parts into one process, you can expect a smoother recovery.

3 Things You Should Know About Fire Extinguishers

2/28/2022 (Permalink)

VECTOR - Fire Safety Set Different Types of Extinguishers Often, you can purchase combination extinguisher that will effectively put out different types of fires.

Extinguishers: Three Things You Should Know

A fire extinguisher in your home in Plant City, FL can be an effective way to keep you and your home safe. However, there are a variety of things that are helpful to know about extinguishers to ensure they can be used quickly and effectively.

1. The Type of Extinguishers in Your Home

Different types of extinguishers exist, and it’s helpful to do some research before placing one in a location within your home. For example, Type B extinguisher would help in the event of a kitchen fire caused by grease, whereas a Class A extinguisher can stifle fires that use wood as fuel. Often, you can purchase combination extinguisher that will effectively put out different types of fires.

2. The Location of the Extinguishers

Just having a fire extinguisher in your home isn’t enough to prevent a fire if the location of the extinguisher is not convenient. It’s often important to place extinguishers in areas such as kitchens and laundry rooms since these areas are common places for fires to occur. Additionally, it’s important to make sure that the extinguishers are within reach so you can access them quickly if needed.

3. How To Use the Extinguisher

In the event of a fire, it’s often helpful to know how to use an extinguisher quickly and correctly. Though extinguishers are labeled clearly with directions, it can save you time if you already know the appropriate steps to take. The term P.A.S.S. (pull, aim, squeeze, sweep) is a common acronym that is used to give people an easy way to remember the key steps to take when using an extinguisher.

Making sure you have the right types of fire extinguisher in your home, putting extinguishers in convenient locations and knowing how to use an extinguisher can be incredibly help if a fire occurs. If your home has been impacted by a fire, you may want to consider working with fire damage restoration experts.