In order for restoration to be successful it is essential that targeted emergency measures are actioned immediately.
The timing, scope and quality of the ‘emergency measures to mitigate damage’ are decisive for the financial restoration of buildings, machines, facilities and stock. In addition, the duty to minimise damages as regulated by law also comes into force. Many companies devise a detailed, coordinated emergency plan with the mibag team in advance, in order to be prepared for an emergency.
In the event of the combustion of 1 kg of PVC, this can lead to approx. 2 litres of 30% hydrochloric acid being produced in the form of condensed smoke. Bare, delicate metal components and electrical or electronic components are most at risk. In conjunction with the high air humidity levels, the use of water from fire extinguishers causes very fast and progressive corrosion of all metallic surfaces. Soot from a fire is mostly hygroscopic; the film of soot is rendered electroconductive by the humidity in the air. Short circuits or fault currents are the result.
Because of this it is imperative to have emergency measures in place to mitigate damage! You can find more detailed information here.
Inform
insurance provider:
if the insurance provider is to pay for the damage this must be reported immediately.
In essence, the following must be notified:
- The buildings insurance provider
- The household insurance provider
- The insurance provider for the commercial or technical facilities and the existing inventory stock (contents insurance) and
- The insurance provider for the interruption of business
In principle we can differentiate between four types of insurance:
Buildings insurance
Buildings insurance is mandatory for every property owner. Alongside the damages to the basic structure of the premises, buildings insurance also covers all the damage to fixed parts connected to the building (e.g. interior and external doors, windows, floor and wall coverings, affixed floor coverings, basic installation of power supply and sanitary provision, etc.). In the case of commercial buildings insurance specifically there are also numerous possible variations and exceptions.
Clearing and demolition work as well as disposal costs are insured up to a maximum limit that is defined on a case-by-case basis. You can find a more detailed list or classification under the ‘Grouping notes’ section of your insurance policy.
Household insurance
The household consists in particular of:
- All items serving as fittings, for use or consumption, such as furniture, carpets, clothing, household appliances, cash, jewellery
- Work equipment and machines
- Antenna systems and awnings not used for commercial purposes
Insurance for commercial or technical facilities and existing inventory stock (contents insurance)
The insurance provider for the commercial or technical facilities pays the disbursements for the restoration or replacement of facilities, machines, tools, stock, goods, raw materials, semi-finished products, etc. In addition, installations, partition walls or suspended ceilings can, for example, be included in this insurance (this will be apparent in your insurance policy if this is indeed the case).
In the event of a claim, incidental clearing and disposal costs are also covered, up to the maximum limit specified in the insurance agreement. Again, you can find a more detailed list or classification under the aforementioned ‘Grouping notes’ section.
The contents insurance is related to the household insurance; however these insurance agreements are generally arranged independently.
Interruption of business insurance
This insurance covers the costs of business downtime and the disbursements for normal business within the scope of the bespoke policy agreed with your insurance provider. Potential costs for expediting restoration following damage occurring can also be covered by this (e.g. overtime and extra work premiums).