Business Property Insurance Can Help When You Have Water Damage

7/10/2019 (Permalink)

As a business owner, the last thing you want to see when you walk through the front door on Monday morning is water covering the floor or dripping from the ceiling. If this happens, you'll immediately think of everything that needs to be thrown out, replaced, and fixed as a result of the water damage. However, with the right business property insurance, you can rest a little easier and focus instead on finding someone to take care of water cleanup at your Shoreline business.

Business property insurance usually covers damage resulting from the following four issues (and possibly others depending on the policy):

1. Broken Pipes

These are often the result of frozen pipes. The water inside freezes, expands, and cracks the pipe, sending torrents of water into your business. General corrosion can also be the cause of this headache, as can a sudden increase in water pressure.

2. Roof Leaks

If your roof drainage isn’t working properly because of clogs or a broken system, water will pool on your roof and eventually find its way down into your place of business, potentially causing water damage. Also note that points where pipes and wiring enter through the roof are weak spots where water could sneak in.

3. Appliance Issues

Things like AC units, dishwashers, washing machines, and water heaters all involve water, and they all have the potential to leak.

4. Sprinkler Systems

Maybe there was a fire that led to the sprinklers going off, or maybe they randomly malfunctioned. Either way, everything is now wet. Computers and other technology will likely have to be replaced, furniture thrown out, and new inventory purchased.

A good business property insurance policy will cover these four primary types of water damage and help you get started with water cleanup as soon as possible. Your Shoreline, WA business will be on the road to its grand reopening in no time flat.