Discoloration on Ceiling Tiles: Common Causes and How to Address Them

5/9/2023 (Permalink)

Discoloration on ceiling tiles can be a problem, address the problem quickly to prevent further damage.

Ceiling tiles are an essential component of many buildings, including offices, schools, hospitals, and homes. They serve multiple purposes, such as noise reduction, thermal insulation, and aesthetic appeal. However, over time, ceiling tiles can develop discoloration, which can be unsightly and even indicate underlying issues with the building. In this blog, we will explore some of the causes of discoloration on ceiling tiles.

Water Damage

Water damage is a common cause of discoloration on ceiling tiles. Leaking roofs, plumbing problems, or condensation can cause water to penetrate the ceiling tiles, leading to stains, discoloration, and even mold growth. If left unaddressed, water damage can compromise the structural integrity of the ceiling tiles and even the building.

Smoking

Smoking indoors can also cause discoloration on ceiling tiles. Cigarette smoke contains tar and other chemicals that can cling to surfaces and create a yellowish-brownish stain over time. This discoloration can be particularly pronounced in rooms where smoking is frequent, such as break rooms or lounges.

Age

As with any material, ceiling tiles can discolor over time due to natural aging. Exposure to sunlight, temperature changes, and wear and tear can cause discoloration or yellowing of the tiles. In some cases, the tiles may even become brittle and crumble.

Airborne Contaminants

Pollutants in the air can also cause discoloration on ceiling tiles. This can include dust, dirt, and other particulates that settle on the surface of the tiles over time. In some cases, these contaminants can cause discoloration and secondary damages.

Chemical Exposure

Exposure to certain chemicals can cause discoloration on ceiling tiles. For example, exposure to bleach or other cleaning agents can cause tiles to become discolored or even damaged. Additionally, exposure to gases or fumes from chemicals used in manufacturing processes or other activities can also cause discoloration on ceiling tiles.

Discoloration on ceiling tiles is a common issue that can occur due to various reasons. It is often caused by moisture buildup or water leaks that can lead to mold growth on the tiles, leaving unsightly brown or black stains. It is important to identify and address the underlying cause of discoloration to prevent further damage and maintain a safe and clean indoor environment.

In conclusion, there are multiple causes of discoloration on ceiling tiles, including water damage, smoking, age, airborne contaminants, and chemical exposure. If you notice discoloration on your ceiling tiles, it is essential to identify the underlying cause and address it promptly. SERVPRO has professional cleaning solutions and techniques to remove discoloration on the tiles and make them look new again. This may involve repairing leaks, reducing smoking indoors, replacing aging tiles, improving ventilation, or taking other steps to improve indoor air quality. By addressing discoloration on ceiling tiles, you can improve the appearance and safety of your building. 

When Nature Strikes: Can Lightning Start a House Fire?

4/17/2023 (Permalink)

Lightning can start a house fire through your electrical system.

Lightning is a powerful force of nature that can cause significant damage to anything in its path, including homes. One question that many homeowners have is whether lightning can start a house fire. The answer is yes, lightning can start a house fire, and it's important to understand how and why this happens.

When lightning strikes a home, it can create a surge of electricity that can damage or destroy electrical systems and appliances. This surge can also generate heat, which can ignite flammable materials in the home, such as wood, fabric, and paper. In fact, according to the National Fire Protection Association, lightning causes an estimated 22,600 fires per year in the United States alone.

One of the most common ways that lightning starts a house fire is through the electrical wiring. When lightning strikes a home, it can send a surge of electricity through the wiring, which can overload and damage the system. This can cause wires to melt or start a fire in the walls or ceilings, which can quickly spread throughout the home.

Another way that lightning can start a house fire is through the roof. Lightning is attracted to metal, so if a home has a metal roof or metal components, it can be more susceptible to a strike. When lightning strikes a metal roof, it can create a surge of electricity that can damage the roof and ignite any flammable materials in the attic or walls.

It's important to note that not all house fires caused by lightning are immediate. Sometimes, damage to the electrical system or roofing can weaken the home's structure over time, making it more susceptible to a fire in the future. It's crucial to have a professional inspect your home's electrical system and roofing after a lightning strike to ensure there is no damage that could lead to a future fire.

To reduce the risk of a house fire caused by lightning, there are a few steps homeowners can take. First and foremost, installing a lightning protection system can help direct the energy from a lightning strike away from the home, reducing the risk of damage to the electrical system and roofing. Homeowners can also unplug electronics and appliances during a thunderstorm to prevent damage from a surge of electricity.

It's also important to have working smoke detectors in every room of the home and to have a fire escape plan in place in case of an emergency. In the event of a fire, it's crucial to evacuate the home immediately and call 911.

In conclusion, lightning can start a house fire through the electrical system, roofing, and other metal components of the home. It's crucial for homeowners to take steps to reduce the risk of a house fire caused by lightning, such as installing a lightning protection system and unplugging electronics during a thunderstorm. It's also important to have working smoke detectors and a fire escape plan in case of an emergency. By taking these steps, homeowners can help protect their homes and families from the devastating effects of a lightning-induced house fire.

Do I need Business Insurance?

3/17/2023 (Permalink)

Business insurance is a necessity for business owners.

The world of business insurance is an often confusing one, with many different types of policies, risks and coverages to consider. In this guide we’ll cover the basics of business insurance and explain why it’s important for your business.

Liability Insurance

You need liability insurance because it protects you in the event that someone is injured on your property, or if they are injured by something you own. Liability insurance covers medical expenses and even legal costs associated with these accidents, as well as any damages to their property.

The amount of coverage you choose will depend on how much money you want to spend each year on this type of insurance, but most people opt for somewhere between $1 million and $5 million dollars' worth of coverage per incident. This can cost anywhere from $1-$3 per month depending on the company offering it and where they're located.

The benefits include piece of mind knowing that if something happens at work or at home and you will be protected financially so long as your policy limits have been met before filing any claims against them.

Property Insurance

Property insurance is a type of insurance that covers damage to or loss of property. It can also cover theft and other losses. Property insurance is also called real estate insurance because it protects homes, businesses and other properties from fire, theft or natural disasters like floods and earthquakes.

Property insurance is important for business owners because it protects their buildings from damage caused by fires, storms or other events that may occur unexpectedly. Without this type of coverage in place, you'll have no way to recover any financial losses if something happens at your place of work and that could mean closing up shop permanently.

Workers Compensation Insurance

Workers compensation insurance protects the business from lawsuits by employees who are injured on the job. In most states, workers comp is required by law to protect workers and their families in case of an accident or illness.

If an employee is hurt while doing his or her job and doesn't have insurance to cover medical bills, you may be held liable for those costs. Workers' compensation pays for medical care as well as a portion of lost wages if an employee can't work because of an injury sustained at work The amount varies depending on the state you live in, some states also have different rules for specific industries such as construction sites or restaurants.

Business Automobile Insurance

Business auto insurance is a type of commercial coverage that protects your business vehicles. It's different from personal auto insurance because it covers expenses related to the damage or loss of use of those vehicles. Businesses should consider buying business auto insurance if they have cars, trucks or vans in their fleets.

Business owners can get liability protection with this type of coverage, which pays for injuries sustained by others due to an accident involving your vehicle that was caused by negligence on your part.

Businesses need to make sure their drivers are trained properly before putting them behind the wheel so accidents don't happen due to inexperience or poor judgment on behalf of employees who drive company cars daily.

Business insurance is a necessity for any business owner.

Business insurance is a necessity for any business owner. Business insurance can help you recover from a disaster, get back on your feet after a natural disaster or protect your finances from unexpected events like lawsuits and employee injuries.

Leading causes of Fires in Healthcare Facilities

2/13/2023 (Permalink)

Make sure to have a plan in place incase of fire or other emergency in your healthcare facility.

Fires in healthcare facilities can have devastating consequences. With the right precautions in place you can help protect yourself and others from this threat and even prevent any potential fire from happening at all.

The Dangers of Fire

Fire is a serious threat in the workplace. Every year, businesses lose millions of dollars and valuable equipment to fire-related incidents. Even with precautions in place, fires continue to occur, causing both physical damage and financial loss. Employers can prevent these losses by improving fire safety precautions and preparing their employees for emergencies.

Employers should work closely with their insurance carriers to make sure they have enough coverage for any damages or injuries caused by a fire at work. In addition, employers should also provide training for their workers on how to identify potential hazards within their offices as well as how to respond if a fire does occur onsite - this includes making sure all staff members know what number they need to call in case of an emergency (9-1-1).

The Effects of Fire

A fire in a hospital or other healthcare facility can be devastating for any business. However, due to the fact that there are ill people within these facilities who may not be able to escape on their own, lives could potentially be at risk. It's important to take steps to prevent fires from occurring in your healthcare facility and prepare yourself for when one does break out.

As a business leader in this industry, it is crucial that you understand what causes fires and how they affect your business so that you can better protect yourself against them.

Losing Patient Records

If a hospital were to catch on fire, there is also the potential of losing valuable resources like patient records and expensive machinery that is used to treat patients and save lives every day. These are not only invaluable in themselves but also necessary for maintaining the integrity of medical records. If these important documents were destroyed or damaged by fire, it would be extremely difficult to rebuild those collections without significant time and expense.

Precautions

A hospital fire can be devastating, with the potential to cause both physical and emotional harm. As such, it's important to know how fires start in healthcare facilities and what you can do to prevent them. There are several leading causes of fires in these buildings:

• Electrical equipment: Electrical equipment like computers, televisions and medical machines are at risk of overheating or developing other problems that could lead to a fire. If you see any electrical problems with your equipment, immediately contact an electrician for help fixing the issue before it becomes dangerous.
• Smoking materials: The use of smoking materials is prohibited within most healthcare facilities because they pose serious risks for patients

The best way to avoid fires in healthcare facilities is by being proactive about the risks, implementing safety precautions and educating employees on fire safety.

How to Repair Storm Damage to Your Home

1/9/2023 (Permalink)

Storms can really damage your Hendersonville, NC home.

Storm Damage: Preparing and Repairing

Whether you're a homeowner, renter, or condo dweller, it's important to know how to deal with storm damage. Storms can cause severe damage to homes and make it harder for people to get back on their feet in their own homes after a disaster. This guide will help you prepare before storms hit and help you repair your home if there is damage after the storm passes.

Prepare for the Worst

The first step to recovery is preparation. Here are some tips to get you started:

Make a list of important documents, such as your insurance policy, medical records, and bank account information. Keep this list in a safe place just in case you need it later on. You can also store digital copies of these documents somewhere offsite if you have them on your computer or phone.

If you live in an area prone to flooding or storm damage, contact your insurance company and let them know where you are located. This will help ensure that they understand the risks associated with insuring someone who lives in such an area and can adjust their rates accordingly when necessary.

Store an emergency supply kit near your main exit point from the house so that it's easy to grab when needed (e.g., during storms). The contents of this kit should include water purification tablets/drop neutralizers, food rations sufficient for three days (including non-perishable items), canned goods for two weeks worth of meals (including meat), toiletries (toothbrush/paste etc.), clothing suitable for warm weather conditions (i.e., tank tops/shorts)

Evaluate the Damage and Document It

After the storm is over, you will want to quickly assess the damage. Start by documenting all of the damage with pictures. After you've documented the damage in detail and photographed it (with your camera or smartphone), make sure you keep copies of these images stored on a flash drive or other secure electronic storage device. This way, if there's ever an issue with your insurance claim you will have proof of the damage. They may need documentation of what happened within those first few days after the storm passed through your area and you want to make sure you have that readily available.

Cut Off the Power

If you have a home generator, turn it off at the main switch and make sure all gas lines are shut off. If you have an emergency power system, ensure that it is not connected to the grid by turning off the circuit breaker for your house and checking that no electrical panels are attached. Shutting off power can be dangerous because of the risk of electrocution or fire from electrical appliances. Therefore, it is important only to do so if a qualified professional recommends it or after giving yourself plenty of time to do so safely.

After turning off power in your Hendersonville, NC home, check for potential hazards such as gas leaks (use a flashlight) and fire hazards (remove flammables). You may need to call emergency services if any such hazards exist before proceeding with repairs on your property.

If you suspect there has been damage due to high winds or other weather-related events like tornadoes or hurricanes, refrain from using any electrical appliances until they have been inspected by a licensed electrician

Contact Your Insurance Company

Your policy should tell you how to contact your insurance company, so be sure to have a copy of it on hand before you call. They will want to know what happened and how much the estimated damage is. Make sure they know that there could be additional costs if the storm caused flooding or other damage outside of what was immediately visible like broken windows or roof shingles coming off. If you aren't insured, then there's no reason for them to make any payments towards repairs because they won't get paid back by any third party (like the government). If this is the case, then expect that any expenses associated with fixing up your home will fall entirely on you!

Clean Up

Here are some tips to starting the cleanup process:

1. Remove any damaged furniture or belongings from your home.

2. Clean up any broken glass in the areas affected by flooding or severe hail and wind.

3. Make sure there are no exposed electrical wires before you begin cleaning up water and mud/dirt. If there is, shut off all power to the area where they are found and call an electrician immediately! Even if you don't know what circuit breaker turns off this particular switch, it's better to be safe than sorry when dealing with electricity!

4. Remove hazardous materials like chemicals, pesticides, oil-based paints or cleaners (as they may contain asbestos), gasoline/diesel fuel from tanks on boats/cars (as these can leak into groundwater), etc., as soon as possible by contacting a disposal company.

Dry it Out

You can use fans and dehumidifiers to start the drying process in your home. In most cases, if the damage is extensive, it is a good idea to call a professional like SERVPRO of Hendersonville to get your Hendersonville, NC home dry. 

Repair or Replace?

A contractor will help you determine if the damage is something that can be repaired or replaced. If you have the skills and equipment, you may be able to do this yourself. You may need to hire a contractor if the damage is extensive and/or complicated in nature. Again, SERVPRO of Hendersonville can help with this process!

It doesn't matter what season it is or where you live—disasters can happen at any moment and can be caused by natural or human-made occurrences. No matter what kind of storm hits your home, safety should always be the first priority for everyone involved. If a storm comes through your area and causes damage to your home (or any other building), make sure that everyone stays safe until the danger has passed, and contact local authorities about getting repairs done as soon as possible.

These steps can help you get back on track after a storm, but if you’re in doubt about any of them, don’t hesitate to call your insurance company. Their experts can guide you through the process so that you can focus on recovery instead of worrying about paperwork or repairs.

Types of Fire Damage

12/5/2022 (Permalink)

Fire damage in a home in Hendersonville, NC

Fire is a destructive force that can happen in your home or business. Fire damage can be caused by several different types of fires including kitchen, electrical, and car fires. The type of fire that caused the damage will determine how it affects your property and how much it will cost to repair the damage. There are three types of fire damage: heat damage, smoke damage, and impact damage.

Heat Damage

Heat damage is one of the most common forms of fire damage because it affects nearly everything around you. The main cause of heat damage is the fire itself, but there are other situations that can lead to heat damage. Heat causes materials to expand and contract depending on how much they have been heated up by flames or hot air. This can be especially problematic for buildings with wooden framing, where the wood will expand and contract depending on its temperature and humidity levels in your home.

In addition to causing expansion and contraction of materials like wood and plastic, intense heat from a fire can also melt metals such as copper or aluminum so that they become soft enough to deform permanently under pressure from something heavy like the furniture placed upon them or even just their own weight when standing upright during use by residents living inside homes with this type

Smoke Damage

Smoke damage is one of the most common types of fire damage. Smoke can be caused by a number of things, including:

• Flames from a fire that are not hot enough to damage the building's structure but still produce smoke and soot
• Items that have been heated up by flames and created smoke or fumes (for example, melted plastic or synthetic materials)

Smoke can cause health problems such as respiratory issues and asthma attacks, so it's important to make sure your home is properly ventilated. Additionally, if you experience this type of fire damage in your home or business there may be mold growth on surfaces exposed to water or wet ash following the event.

Impact Damage

Impact damage is caused by the force of the fire, which can cause objects to break and collapse. Impact damage can also be caused by hot embers that fall onto materials like wood or drywall. This type of impact damage is often mistaken for heat stains or smoke stains because it looks similar to both. In cases where smoke has been present in the area, impact damage will usually look darker than heat and/or smoke damage because of its charred appearance.

Fire damage can often be a difficult problem to deal with. It is important to remember that this type of damage can occur in several different ways, and each one requires a different approach to restoration. The most common types of fire damage involve smoke, soot, and debris from the burned material itself. These substances must be cleaned up quickly before they cause additional problems for homeowners by damaging other areas of their homes or office space. Cleaning up as soon as possible after such an event will help ensure that future repairs will be minimal or even unnecessary! Give SERVPRO of Hendersonville a call to clean up and restore your Hendersonville, NC home or business! 

Are Drain Cleaners Harmful to Pipes?

11/1/2022 (Permalink)

Drain cleaners are not harmful to pipes in most cases, but can be when used too often.

Is It Safe To Use Drain Cleaners?

Plumbing issues can be stressful, but they don't have to be if you're prepared for them. One of the most common plumbing problems is a clogged drain. When your drain is backed up with hair and other debris, it can be hard to figure out how to fix it on your own. Professional plumbers know how to clear drains and repair any damage caused by the clog itself, so don't hesitate to call one in if you need help!

Drain Cleaners Can Cause More Harm Than Good

If you regularly use a drain cleaner in your home, it is important to know that these products are not meant to be used as an alternative to regular cleaning. In fact, drain cleaners can actually corrode the pipes and permanently damage them. This means that if you have been using a particular product for several years now and notice any corrosion or damage in your plumbing system, the problem could have been caused by the use of a commercial-grade drain cleaner.

When you experience clogs in your drains, it is best to clean out the pipes with water from the tap before trying anything else. If this doesn't work, consider calling a plumber instead of using chemical solutions because these products can cause more harm than good if used incorrectly or too frequently.

Call the Professionals for Sewage Cleaning

When you call for professional sewage cleaning, the technicians will have plenty of experience with drain cleaners and their effect on plumbing. They won't use chemical drain cleaners unless absolutely necessary and even then, only as a last resort.

They will know how to use a plunger or suction equipment to clear clogs from your pipes without damaging them in the process. They will also know how to repair damage caused by clogs and prevent future clogs from happening again.

Hydro-jetting System

When you have a plumber come to your home because of a clogged drain, they'll use a hydro-jetting system to clear out the blockage. This method uses high-pressure water to remove the clog and can be used on any type of pipe from drains and toilets to sewers.

The hydro-jetting system is the most effective way to clear a clogged drain, but it can also be very expensive. A plumber may charge between $100 and $300 to use this method.

Can I Fix It Myself?

How do you know if it’s safe for you to clear clogs in your own sink or bathtub drain? The answer is that it depends on the clog, and if you have any kind of plumbing problem, then it’s a good idea to call in a professional.

Professional technicians know how to safely clear drains and how to repair any damage the clog might have caused. They also know how to use the correct chemicals and equipment, as well as techniques such as plunging or water jetting that could cause more harm than good.

In conclusion, drain cleaners are not harmful to pipes in most cases, but can be when used too often. If you have a clog that won’t go away after trying a plunger and then using some vinegar or soda water, it might be time for professional help.

If you have a sewage backup or drainage problems in your home or business, SERVPRO of Hendersonville is here to help. Give us a call to clean up any water damage in your Hendersonville property!

Water Damage is a Result of Fire Damage

10/5/2022 (Permalink)

If you have a fire, you need to call in a professional restoration company as soon as possible.

Fire Damage Leads to Water Damage

Fire damage is a major problem that can cause extensive and costly damage to your home. This type of damage is caused by fire, which can be caused by either an accident or arson. Fire damage can affect your entire home, but it is important to note that not all fires leave behind only fire-related problems. Water damage is also common in homes that have been affected by fire; this occurs when the water used to extinguish the flames gets into various places within your home and causes mold spores to grow in those areas. In addition to these issues, there are other key points about fire damage that you need to know about:

Water Damage

You will have to deal with the water damage as well. This is not a good time to be lax. Water damage can be caused by fire sprinklers, fire hoses, or firefighters trying to put out the flames and keep them from spreading further. Water damage can cause mold and mildew if left untreated for too long; this may lead to structural damage because of weakened materials like drywall or wood paneling (which makes up most interior walls). Electrical components can also be affected by water, which causes short circuits and other malfunctions that could cause fires themselves if left alone for too long.

To avoid these issues after a fire has been extinguished on your property, you should hire professional services from companies like SERVPRO of Hendersonville who specialize in restoring properties damaged by fires—and floods!

Smoke and Soot Damage

Fire damage is more than just the fire itself. Fire causes smoke and soot that can quickly infiltrate your home's structure, walls, ceilings, and floors. In addition to these immediate dangers, many items exposed to intense heat may be damaged beyond repair by being melted or warped out of shape. This can include electronics like computers and televisions as well as clothing and furniture items that were left behind during evacuation efforts.

Call SERVPRO of Hendersonville

Not all fire restoration companies are created equal. Some are better than others, and if you're dealing with fire damage, it's important that you choose a good one. When choosing a fire restoration company, make sure they have the equipment and know-how to deal with issues of water damage from firefighting efforts. They should be able to address any lingering smoke odor in your home caused by their clean-up efforts as well as help fix structural problems resulting from heat exposure during a fire (i.e., warped floors).

In addition to helping you repair the physical damage caused by smoke, water influxes, and other aspects of fires that often require expert removal techniques (such as burnt wiring), these companies will also handle insurance claims for those who need them after an unfortunate incident like this happens at their home or business location!

If you have a fire, you need to call in a professional restoration company as soon as possible. They will be able to assess the damage and make sure you have everything taken care of quickly and efficiently so that you can move on with your life.

The Importance of Fast Home Fire Restoration

8/12/2022 (Permalink)

Home fire damage in Mountain Home, NC.

Getting Your Home Repaired After A Fire

Fire restoration experts in Mountain Home, NC, have identified three key factors in getting your home repaired quickly after a fire. Critical to the success of this process is to use an experienced local restoration company for your damage cleaning and restoration. SERVPRO professionals have an array of techniques to return the condition of your home until it's “Like it never even happened.”

1. Why Is Speedy Restoration So Crucial?
If your home has been damaged in a fire, the building envelope may be breached, letting in the weather. Also, firefighting efforts can also cause substantial water damage. The faster these issues can be addressed, the less ongoing damage can occur.
Professional fire restoration companies can become insurance industry partners, meaning they’ve been vetted and have a relationship with insurance professionals. With pre-approval, in the case of a serious fire, one call can quickly get the restoration process started — literally before the fire trucks have left. Pre-approved professionals can even start mitigation efforts before formal approval is granted.

2. What Does Mitigation Involve?
Copious amounts of water may be necessary to extinguish a fire. Anything absorbent can be damaged to a greater or lesser degree as the water sits inside, getting behind walls through cracks and causing mold and other trouble. It’s vital to have it removed as soon as possible.
In addition, exposed areas of a home need to be tarped and boarded from the elements. Both of these steps work together to prevent further damage. After the first steps to protect a house and remove the water, trained crew can bring in air movers to extract moisture.

3. How Fast Can a Home Be Restored?
The length of time needed for a restoration depends on the degree of destruction and how it’s handled. In addition to water damage, smoke damage can be extensive even from small fires. However, professional restoration technicians have commercial damage cleaning agents that can dramatically speed up the process by restoring instead of replacing much of the damage.
Fire restoration can be simplified by keeping these points in mind. Professional assistance can save tons of time, money and a huge amount of frustration.

What To Know About Commercial Property Insurance

7/28/2022 (Permalink)

Various types of businesses should carry commercial property insurance

What Does It Cover?

You probably have homeowners' insurance that helps pay for repairs to your house following an emergency. You similarly need commercial insurance for your office or business headquarters. Your commercial policy should cover any smoke or fire damage to the Mills River, NC property.

What To Insure
Various types of businesses should carry commercial property insurance. If you run any of the following, you should purchase insurance for the premises:

• Retail store
• Service business
• Not-for-Profit
• Manufacturing company

It is not just the properties themselves that need insurance coverage. After all, fires can affect various assets within a building, as well. You should thus get insurance for any processing, manufacturing or office equipment. That includes the phone systems, furniture and computers.
Any inventory should also be included in your commercial insurance policy. You should additionally insure your satellite dishes, landscaping, fences and essential business records.

What Insurers Consider
Once you apply for insurance, the provider will decide how much to charge you for premiums. Whatever premiums you do end up paying can be deducted as expenses.
The insurer considers several factors when calculating the cost of your policy. First, it will look at the value of your building and the assets inside it. Before you meet with your agent, you should thus take an inventory of all the items within your property.
Since insurers do not like risk, they will charge more for properties in areas prone to wildfires or other weather catastrophes. Similarly, you may have to pay higher premiums if your building is made from combustible materials. Conversely, properties with fire-resistant floors, doors and walls may have lower premiums.
Commercial insurance premiums can be high, especially for businesses that own valuable equipment. However, insurance is worth the expense in the long run. After all, without proper coverage, you might have to use your company's earnings to pay for fire damage cleanup services.