How do I plan a business around a flood cleanup?
Decide which parts of the business must keep running, move the stock that can be moved, and tell the crew which areas matter most. The crew plans the removal and drying around those priorities and gives the owner a schedule for the visits.
A business that can keep trading in its dry rooms usually wants the cleanup done in stages. The crew can close off the wet area, keep the dry parts in use and work at hours the owner agrees to. The plan is written so the owner can see what is happening each day.
Where the business must close, the owner should tell the crew how long it expects to be shut. That helps the crew choose the drying method and the number of visits. The crew does not promise a reopening date, because the readings decide when the building is dry.
What happens to stock that was in the water?
Stock is sorted into what can be cleaned and used, what can be cleaned but must be checked, and what cannot be used. Food, medicine and items that touch the body are not kept if they were in contact with flood water.
The sorting is done with the owner, and the owner decides what to keep. The crew records each item, its condition and the reason for its removal. The record matters for the owner and for any insurer.
Packaging that was in contact with flood water is treated as contaminated, and the crew explains which items must go. Items in sealed containers may be kept if the owner and the insurer agree, and that decision is recorded.
Does a commercial building need a separate electrical check?
Yes. A commercial electrical system is larger and more complex than a home's, and water in its panels, outlets and equipment has to be checked before the power is restored. The crew does not restore power to a flooded zone until the check is done.
Panels, transformers and motors that were under water can be damaged in ways that are not visible. The check is done by a qualified electrician, and the crew explains what the electrician needs to see. The owner should not restart equipment until the check is complete.
The electrical check also covers emergency lighting, alarm systems and any equipment that runs continuously. Those are identified on the first walk-through so they are not overlooked.
What records do I need for an insurance claim on a business?
Keep photographs, stock logs, invoices, the cleanup record and a list of the lost income and the closed days. The insurer decides what the policy covers, and the records explain what happened and what it cost.
A business policy sets its own terms for flood, water and business interruption, and many policies treat flood differently from a sudden leak. Read the policy, and ask the insurer or agent what it says about flood water and about closure.
The crew's record, with its readings and photographs, is one part of the file. Stock logs, invoices and sales records are the others. The insurance guide on this site explains how a complaint about a claim is made in Louisiana, if a claim is disputed.