Commercial Fire Damage Premiums for Grocery Stores

3/2/2020 (Permalink)

Factors That Determine Commercial Fire Premiums
    •    Building materials. The construction of your building and its current condition all influence your premium. Newer facilities and recent upgrades to HVAC and electrical components can also lower the cost of insuring your business.
    •    Inherent risk. The reason people come into your business can also affect your costs. Restaurants are well-known for having higher risks, while small niche retailers typically have a low risk of fire hazards.
    •    Protection measures. Fire alarms, sprinkler systems, fireproofing measures and having a fire hydrant or station nearby can lower your premiums.
    •    Proximity to risk. Criminal activity in the area, as well as the frequency of accidents and natural disasters, all have a bearing on your premium. Think about your location, especially if you are near businesses with higher fire risks, such as an oil refinery.

How SERVPRO Restores Your Business
Electrical fires are a frequent cause of grocery store fires, which can lead to the proliferation of odors and soot on surfaces. While inventory in the affected area may need to be removed, in many cases, the structure can be salvaged.

Technicians work from ceiling to floor, starting with dry cleaning measures and the removal of loose, dry soot deposits. Alkaline or acid cleaners may be used to address more substantial damage depending on the extent. Blast media, like ground corn cobs or soda ash, can address heavy charring on surfaces that respond little to other cleaning methods.