What To Do When Your Business Floods
Hurricanes Harvey, Maria, and Irma caused major flooding in many parts of the Unites States. It’s essential that property owners prepare for the worst and act swiftly in the event of a flood. Flooding is of course a stressful time for anyone affected, but for commercial businesses and the self-employed it can hugely impact your future. So from prior prevention to salvaging stock, here are some useful tips to minimize the effects …
Planning and preparation
Many parts of the country are more susceptible to flooding, and if your business premises are in a known flood risk area, you should consider buying specialist defense products.
Airbrick protection, sandbags and pumps are all widely available – the initial investment could save you a lot more in the long run.
Business building insurance is essential, also business equipment and stock can also be insured. The damaged caused by floods can result in thousands of dollars’ worth of damage, so it’s essential to keep receipts and proof of purchase in the event of a claim.
When the flood hits
As the flood hits, there are a number of measures you can take to limit the damage, but first things first, stay safe - flowing floodwater can be incredibly powerful.
Setup your flood prevention equipment at the earliest opportunity, remembering to turn off your water, gas and electricity.
Move valuable and electrical items to the upstairs of your premises as soon as possible, and for cafes, restaurants and bars especially, secure outdoor items – such as tables, chairs and outdoor furniture.
After the flood
In the aftermath of the flood, you’ll inevitably be shaken, but there are small details that can help the situation.
Providing it’s safe to do so, return to your business, phone your insurer and make a claim. Most insurance companies have a 24-hour helpline and regardless of the time, it’s important to call as soon as you can.
Take photos of damage to making a list of lost contents. Keep your gas and electricity supplies switched off for the time being, begin making simple emergency repairs (again, if safe to do so) and recover any items – including damaged items for evidence.
The most important thing is the safety of you and your employees. Best smart and wait until it is safe to enter the premise.