Category: Commercial Insurance

Your commercial building’s roofing is constantly exposed to the elements and may experience wear and tear that requires immediate repair to prevent failure of the roof. Sprout Insurance, serving Nettleton, MS, offers a few of the most common causes of commercial roof damage and how ongoing maintenance measures can prevent problems that lead to costly repairs and replacement.

Roof Damage Can Occur From A Variety of Problems

Snow and Ice

Winter weather puts additional stress on roofing materials with the weight of snow and ice, as well as the risk of water damage from snowmelt. Removing accumulations of snow and ice can help to prevent water intrusion that can damage both exterior and interior materials.

Wind Damage

High winds can cause other types of damage, such as damage to materials by flying objects, lifting of loose materials, and even removal of roof tiles by extremely strong gusts. Keeping your roof in good condition can help to avoid some of these problems.

Standing Water

Over time, low spots can develop that allow water to stand for periods of time, which can lead to deterioration of the roofing materials and progressive weakening of the underlying structure. Regular inspection can reveal these problems and prompt immediate repairs to prevent further damage. 

Punctures of Roofing Material

In some cases, roofing materials can experience punctures of the surface by overhanging tree limbs or from flying debris. These punctures should be repaired immediately to prevent further problems from moisture intrusion and mold.

Failure of Flashing and Pitch Pans

Deterioration of the flashing and pitch pans can lead to water intrusion and deterioration of roofing materials. It’s important to monitor and repair these issues as soon as possible to prevent further damage to materials and water intrusion into the building interior.

Ongoing monitoring and maintenance can help to prevent many instances of roof damage on commercial property. Regular inspections of your roofing materials can help you to avoid more costly repairs.

Make Sure You Are Insured

Looking for commercial coverage? Sprout Insurance, serving the greater Nettleton, MS community, is here to help. 

Home-based businesses have been growing in popularity for many years. They are even more popular today. Not having to pay rent or a mortgage for your business location is one very important reason for its popularity.  At Sprout Insurance in Nettleton, MS we have a team of insurance experts who are dedicated to providing the best possible customer service. We work for our customers, and we can provide more choices since we can deal with multiple carriers.  

Why your home-based business needs commercial insurance

Property insurance

When your business is located in your home, you may believe that your home insurance provides all the protection you need. While home insurance may provide some coverage for your business, it is not designed to cover the items you need to do business. Most business property will not easily be mistaken for personal property that you would have in your home. This will leave you with inadequate coverage in the event a hazard hits. 

Liability coverage

Home insurance does have liability coverage that will protect you if you get into a situation where someone is injured at your home or by a member of your family. However, if you have the sort of business where customers or clients will visit you at your home-based business, you can’t count on your personal home insurance to protect you if someone is injured. Home insurance won’t cover anyone visiting you for reasons of business who is injured, or if your business is sued.   

Commercial auto insurance

If you need to use your personal vehicle to do business, it is important that you have commercial auto insurance on it. Your personal auto insurance will not cover you if you are using your vehicle for business. That is dangerous to your finances. 

Contact Sprout Insurance in Nettleton, MS when you are ready to choose the right commercial insurance for your business.