How is a commercial water loss planned around business operations?
The work is staged by zone, so the parts that can be used are kept open. The owner decides which areas must close first, and the crew plans the removal and the drying around the operation.
A commercial loss is planned with the owner before the work starts. The layout, the operating hours and the equipment are discussed, and the zones are marked on a plan. The work is then sequenced to keep the most important area open for as long as the readings allow.
The owner is told the expected time for each zone, and the timeline is updated at each visit. A commercial loss that runs longer than planned is explained, so the owner can plan around it.
What does a commercial policy typically cover for water?
Commercial property and business-income policies differ from homeowner policies, and the terms vary by policy. Sudden water damage is commonly covered, while flood, gradual leakage and sewer backup are often excluded unless endorsed.
Business-income coverage, which pays for lost operations, is a separate part of many commercial policies, and it has its own waiting period and conditions. The terms are set by the policy and the insurer, and this page does not describe any particular policy.
The Colorado Division of Insurance regulates insurers in Colorado and takes complaints about how claims are handled. The owner should keep the readings, the photographs and the removed-material list, and should ask the insurer to explain its position in writing.
Who is responsible for the building systems during the work?
The building owner and the building's own contractors are responsible for the HVAC, the electrical and the plumbing. The cleanup crew works around those systems, and it does not repair them.
A commercial system, such as an HVAC unit or a fire-suppression line, is not repaired by the cleanup crew. The owner's own contractor or the system's maintenance provider should check it before it is returned to service.
Where the cleanup finds a damaged system, it is recorded and reported to the owner. The owner is then responsible for the repair and for the permit, if one is needed.
What records should the owner keep?
The plan with the zones, the readings, the photographs, the list of removed material and the invoices. These are the documents an insurer, a landlord or a lender will ask for.
The owner should keep a single file for the loss, with the dates of each visit, the readings at each zone and the decisions made about each area. The file should also include the cause, the time it was discovered and the time it was stopped.
Where tenants are affected, the owner should keep a copy of each unit's record and the notices given. The record protects the owner in any later dispute about the work or the time it took.