South Florida companies protect your assets from storms

 

Weathering the storm season

One out of four small businesses does not survive major disasters like hurricanes, floods or earthquakes, according to the Institute for Business & Home Safety in Tampa, a nonprofit that provides data to insurance companies.

To protect your business from storm damage and prepare for recovery after a hurricane or major tropical storm, owners should take a number of steps:

•  Pay attention to hurricane and tropical storm warnings.

•  Make sure that windows and doors of all types have shutters or other types of protection against wind, flying debris, wind-driven rain and flooding. Check your shutters and shutter locks to see if they’re working properly. They may need cleaning, maintenance or repairs.

•  Put together a disaster/business continuity plan for your people and your business. Back up your critical files and other documents. Protect computers, inventory and valuable equipment.

•  Like homeowners, small businesses should stock up on batteries, water and other essential items that can help after a devastating storm. Buy, lease or share an electric generator.

•  Make sure you have the right kind of insurance coverage for a business of your size — all risk, wind, plate glass, signs, fencing, etc. Your coverage should reflect the real replacement cost of your business.

•  Remember that flood insurance is covered under a different policy backed by the federal government.

•  Talk to your insurance agent about what you can do to get discounts on your premium — upgrading to heavy-duty shutters, reinforcing/replacing large doors, reinforcing skylights, checking for roof stability and leakage, etc. Use approved, high-quality materials.

•  Wind mitigation surveys are required to qualify for discounts on windstorm insurance. These are performed by certified inspectors; www.windmitigation.com.

http://www.windmitigation.com/what-is-wind-mitigation.html)

•  Owners and renters of business properties have different responsibilities. A renter may want to install storm shutters or other mitigation equipment for his/her business but must consult with the building’s owner before doing so.

•  Have a plan for restarting your business after a major storm.

•  A number of organizations offer storm-related information and suggestions for businesses. For example, Florida’s Division of Consumer Services has a webpage: http://www.MYFLORIDACFO.com .

FEMA has a website for hurricane preparedness: http://www.fema.gov/disaster/4085/updates/2013-national-hurricane-preparedness-week-we-pledge-prepare

Check the Miami Herald ( http://www.miamiherald.com/storm) for news and updates on approaching hurricanes and the Herald guide to surviving hurricanes.

Another excellent source of information is the National Hurricane Center: www.nhc.noaa.gov.

The NHC has a Facebook page: ( www.facebook.com/US.NOAA) and a Twitter account: @NHC_Atlantic.

Local TV and radio stations, The Weather Channel and weather.com also provide up-to-the-minute storm information.

The Florida Department of Business and Professional Regulation offers websites to search for impact-resistant products approved in Florida: http://www.floridabuilding.org/pr/pr_app_srch.aspx and http://www.floridabuilding.org/c/default.aspx

Miami-Dade County publishes an online database for products, certificates and listings that have been approved for use on buildings in both Miami-Dade County and throughout the country, as well as other information on building codes and related material. www.miamidade.gov/building/pc-search_app.asp?class_id=1&class_desc=High velocity hurricane zone

Sources: Insurance company information, Miami-Dade County, State of Florida, Insurance Institute for Business & Home Safety, NOAA


josephmannjr@gmail.com

If your business is looking for the ultimate protection against hurricane damage, a Miami-based company — American Business Continuity Domes — can build you a steel-reinforced concrete dome the company says can survive winds of more than 250 miles per hour, as well as seismic activity, water and fires.

Don’t fancy a concrete dome? No worries, there are many businesses offering other options that can mitigate hurricane damage, cut financial losses and may save money on insurance premiums, such as manufacturers of metal and fabric shutters and panels, impact-resistant windows and doors as well as reinforced roofs, skylights and doors, especially large doors vulnerable to penetration by hurricane-force winds.

South Florida hasn’t experienced a devastating hurricane since Wilma struck in 2005, and many businesses and homeowners have become complacent. This year, the Atlantic hurricane season, which began June 1, will likely be “above normal” and possibly “extremely active,” according to the National Oceanic and Atmospheric Administration, with a high probability of 7 to11 Atlantic Basin hurricanes and 3 to 6 major hurricanes.

And if you need further convincing, Florida ranks as one of the hardest-hit states for hurricanes. Seven of the 10 costliest hurricanes in the country’s history have pummeled Florida, according to the Tampa-based Insurance Institute for Business & Home Safety, a nonprofit that provides data to insurance companies. Six of the storms reaching the state occurred in 2004 and 2005, and Wilma alone caused an estimated $11.9 billion in insured losses in Florida in 2012 dollars, the institute reported.

“Businesses can prevent storm damage and may be able to reduce hurricane insurance premiums by checking with their insurance companies, carrying out a wind mitigation survey and making improvements,” said Michael Shaheen, an insurance agent for Tamarac-based Keyes Coverage Inc., which works with several major insurance firms.

Besides collecting premiums, reputable insurance companies can help consumers and small businesses determine risk factors before a storm strikes, identify improvements that may lead to premium credits and aid in selecting the most appropriate coverage. “Businesses are often aware that credits are available, but aren’t sure how to get them,” Shaheen said. People could not only save on premiums, but also avoid hurricane damage by making improvements, he added.

Here is a look at a sampling of South Florida companies in the business of hurricane protection:

Domes: The ultimate protection

“Our domes can withstand the strongest hurricanes we’ve seen in Florida,” said Peter Fedele, a general contractor who is CEO of ABC Domes, which, along with its strategic partners, has built domes in Florida, other states and overseas. They can be used as multi-purpose shelters, community centers, sports arenas, churches, schools or for emergency equipment and vehicle storage, records and data warehousing and bulk storage, he said.

ABC Domes was set up in 2006 to provide businesses and communities with a new type of disaster-proof building, said Fedele, who is also president of a sister company, Golden Sands General Contractors.

The domes, which have a circular foundation that is about four feet deep, are built in a short period of time by inflating a multi-ply shell in the shape of a dome that is secured to the foundation, attaching steel reinforcing bars to the inside of the shell, applying polyurethane foam and then spraying on concrete (“shotcrete”) in different layers. The shell or airform serves as the form for building the dome and as the roof membrane once it is completed..

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