How does a commercial loss differ from a house loss?
A commercial loss involves more people, more stock and more shared structure. The work is scheduled around the trading hours and the occupants, and the records have to satisfy the owner, each tenant and the insurer. The drying steps are the same as in a house, but the scale and the sequence are different.
Occupied space cannot simply be closed off without a plan. The crew works with the owner or property manager to decide which spaces stay open, which are closed for the drying and how long each closure is expected to last. Tenants are told in writing where the work affects them.
The records are more detailed. Each unit has its own readings, photographs and list of materials removed, so that an individual tenant's claim can be answered without reopening the whole building.
Who decides what stock and equipment can stay in a wet space?
The owner decides what stays, on the advice of the crew and the stock's supplier where one is involved. The crew gives its view on which items can be dried in place and which must be moved or discarded, and it records the decision for each item.
Electrical equipment in a wet space is not used until a qualified person has checked it. The crew does not test electrical equipment, and it tells the owner which items must be checked before they are switched on.
Stock that has been in contact with sewage is treated under the sewage steps, and it is usually discarded. Stock that has been wet with clean water is assessed item by item, and the owner keeps the list for the insurer.
How long will the commercial drying take?
The time depends on the readings in each unit and each shared structure, and on how much of the building must stay in use. There is no fixed schedule, and the crew sets the phases from the readings it takes on each visit.
A small loss in one shop can be dried in a few days if the materials are non-porous and the drying can run through the trading hours. A loss that has spread into shared walls and ceilings takes longer, because each area has to reach its reference before it is closed.
The crew reports progress at each visit in writing, so that the owner can plan the reopening of each space and tell the tenants when they can return.
What should a building owner do before a water loss?
Know where the water shut-offs are for each unit and each plant room, keep a list of the stock and equipment in each space, and make sure each tenant knows whom to call. A written plan for emergencies helps the crew and the occupants move quickly.
Check the backwater valves, the drains and the plant-room equipment during planned maintenance, and keep a record of the checks. A maintenance log is also the record an insurer will ask for after a loss.
Keep current photographs of each space, including the stock and fixtures, so that the condition before a loss can be shown. The crew can use those photographs as the baseline for its record.
Does the building need a permit for drying or repairs?
Structural work, changes to plumbing and changes to electrical systems may need permits from the Municipality of Anchorage. The contractor doing the repair should confirm which apply before work begins.
Opening a fire-rated wall, a shared ceiling or a plant-room enclosure can affect the building's protection, and that work is best checked by the contractor and, where it applies, the owner's advisers before it is made.
The crew records each opening it makes and its reason, so that the repair contractor can close it correctly.