Fire and Water
2013 is turning out to be one for the records. The pictures from our shop today, water pouring through the roof from heavy rain and the ditches not taking it away because of oil spill kits.....placed because of oil from the fire. Still waiting for adjusters that have their main business in the flooded City of Calgary which is totally unrelated to our heavy storm flood with the exception of tying up every available adjuster with possibly the biggest disaster, financially, in Canada's history.
http://www.cbc.ca/news/business/story/2013/06/25/calgary-flood-economic-impact.html
Our little ol' flood and fire is nothing compared to what our Southern friends are facing so we're looking at the positives.
A few things we did right that I encourage everyone to do as they can.
1) We took pictures of the shop and toys on a regular basis, loaded to computer and on E storage devices.
2) Immediately photographed fire evidence.
3) Had the shop floor clear of debris and paths between the vehicles so fire-fighters had easy access.
4) We had plenty of Fire Extinguishers, locations clearly marked and current dates of inspection marked on tag. Not needed for this fire but commended by fire-fighters.
5) Have documents for nearly every purchase over $200.00 since start of business as well as Quick-books back up with serial number, make, model and we knew not to store that info in the shop.
6) Performed yearly inventory (never knew why this was so important but knew it was a pain) and had a cool record of stuff that was in the shop.
7) Have security cameras that showed no 'bodies' entered the building from the back, reducing the arson possibility with no front door breach. Got to see smoke fill the shop which is not exciting.
We were also "insured up" but have been told we don't have "business disruption insurance" because the shop was for storage, maintenance and repairs, not for generating income which is not nice. The broker suggested he'll add feces removal insurance for next time because I continue to poop my pants as I learn more everyday about fire and flood recovery.
Covered the ol' crate 302 but we're waiting for decisions from people that are facing delays from events far greater than ours so one day at a time.