Disaster Preparedness Evaluations for Businesses | SERVPRO® of Romulus
If you own your own business, you are likely well aware of how important planning is to your operations—but have you adequately planned for a disaster? Many businesses must shut their doors permanently due to sudden emergencies, but by planning ahead, you can work to protect your investment in advance.
While every possible disaster scenario may feel a bit intimidating to consider, it is not a requirement for preparedness. We recommend focusing on three main sections of disaster preparedness—by understanding your insurance coverage, evacuation plan and restoration process, you can better know where your strengths and weaknesses are for preparations.
After a disaster, many business owners find out too late that their commercial insurance coverage is inadequate against the damages a disaster can lead to. Many commercial policies simply are not large enough to cover disaster damage, and often exclude the costliest aspects like flooding issues and operational interruptions. Do not wait until the aftermath to determine what your insurance will or will not cover.
If the issue facing your business is something sudden like a fire or severe weather, you may not be given much time to follow evacuation orders. The process will go much more smoothly if you already have a plan in place, allowing you to get yourself and your staff quickly to safety. Additionally, it is smart to plan for a situation where you are stranded and must wait for help to arrive to your business. Keep a stocked emergency kit handy for these scenarios.
Limiting the time that your business must remain closed due to a disaster is advised to minimize the negative impacts it has on your business. Picking your restoration company ahead of time is one of the best ways to do this—by calling them right away, you can get your restoration process started and prevent any scheduling delays. You should also be aware of the disaster assistance loan program from the Small Business Administration in case you are eligible.
If your business has been impacted by a disaster, you can contact us 24⁄7 for guidance on how to begin the commercial restoration process.