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A cure for water damage to your property: Planning and preparation

February 6, 2018

Accidental water within office and habitational buildings are among the most costly and disruptive claims that property owners can experience.

woman with plans

Water damage in office and residential buildings can impact not only revenue, but also people’s jobs and quality of life. To help prevent significant losses due to water, owners and managers should plan and implement water damage prevention programs. Effective programs will involve:

  • Engineering controls such as excess flow shutoffs
  • Administrative controls such as education of staff on reporting small leaks and locations of shutoff valves
  • Emergency procedures such as having equipment on hand to mitigate the effects of a spill

Mitigate damage the moment leakage is discovered

Quick action is necessary the moment water is discovered. This would include turning the power off, shutting off the water supply where the leak is coming from, covering up equipment that could be impacted. After these safety steps are completed you must then begin to remove the water and the wet items, before initiating the clean-up procedures.

Emergency phone numbers should be readily available to all management and personnel responding to the incident, including professional cleanup company(s), professional equipment restoration company(s), Zurich Claims Reporting Care Center (800-987-3373), servicing companies for critical and valuable equipment and sources for renting additional wet vacuums and dehumidifiers, if required.

Protecting your piping

Piping and other systems in older facilities are more prone to failure. Greater maintenance and testing is needed to assure the integrity of the pipe, fittings and equipment. Some areas of the country have public or private water supplies containing certain minerals that increase the corrosion rate of water. Proper water treatment, system maintenance and testing of the integrity of systems must be practiced.

Protecting your building

Professional cleaners have the equipment necessary to quickly remove large volumes of water and properly clean and treat buildings and furnishings. Professional equipment restorers have the experience and resources to effectively clean and repair electronic equipment and get it recertified if necessary. Taking immediate steps can ultimately help in the overall cleanup process in the long run. This includes removing all wet items and extracting the water on floors as soon as possible. Setting up dehumidifiers if outside temperatures are greater warm and opening any doors and windows can help reduce humidity as well.

Protecting your equipment

When leakage does occur, immediate and proper action is vital to preventing further damage and assuring a faster return to normal services. Be sure to turn off the power immediately; do not re-energize equipment until authorized by qualified restoration personnel; drain all water; remove equipment; set up fans; wipe down and dry metal surfaces as soon as possible and follow up with professional restoration services.

Taking quick and effective action when water infiltration occurs can help you reduce the number and size of losses. Reducing the likelihood of such incidents also helps minimize the disruption to operations. The downloadable checklists below can help assess these key areas to determine the levels of exposure:

  • Mitigation and reduction of liquid damage – A key measure in reducing losses from water damage is to perform a self-assessment. >Download checklist
  • Critical equipment areas – Critical equipment areas, such as tenant equipment, main telephone rooms, electronic data processing centers, etc., can exacerbate even a small water leak. >Download checklist
  • Roof evaluation – Water entry into buildings from outside can also cause serious damage. As with interior exposures, much of this potential risk can be identified rel="noopener noreferrer" in advance. >Download checklist
  • Handling losses – When a loss occurs, dealing with it properly can help mitigate the damage. Zurich developed a checklist to assist you in dealing with losses both from a facility rel="noopener noreferrer" manager and a risk manager rel="noopener noreferrer" perspective. >Download checklist
  • Vendor phone list for emergencies – Having a list of key vendors who can assist rel="noopener noreferrer" in the event of a water rel="noopener noreferrer" damage loss can help you mitigate a loss. >Download checklist

Doing new construction or renovation?

From where equipment is placed to testing valves and pipes, special considerations during your construction or renovation project could save you money in the long run. Some examples of pre-planning include placing valuable equipment on floors at or above grade, installing piping away from ceilings over critical and valuable equipment, installing valves in accessible areas, waterproofing floors above areas containing critical and valuable equipment, and implementing a procedure for plans to be reviewed prior to authorizing any construction or rehabilitation.

Protect against water-related risks under your own roof

While weather-related flooding grabs headlines, the potential for property damage and business disruption due to unanticipated water released inside your own facility demands just as much concern and preparation. By raising your own awareness of your risks, you will be better able to take proactive, positive steps toward prevention. We hope that some of the tips provided here may be of assistance in that journey.

For other risk management needs, please visit our risk engineering site.

Download "A Cure for Water Damage"

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