FAQs
More FAQs- What is a code or by-law upgrade?
- What is black mould?
- How do I keep track of non-restorable items after a fire at my business?
A code or by-law upgrade is an upgrade that is made when your commercial property’s pre-loss condition no longer meets legal building codes. Your insurance company may recognize code upgrades in the estimation process. Any questions regarding code upgrades should be directed to your Insurance Adjuster.
Black mould (Statchybotrys chartarum) is greenish-black in colour and grows in conditions where there is an excessive amount of moisture over a long period of time. Water damage, excessive humidity, water leaks and condensation in small, damp places like bathrooms all create a perfect breeding ground for black mould. Black mould releases microtoxins, a noxious substance that can cause serious health problems for humans and pets.
We recommend you make a list of your facility’s items that are deemed non-restorable. You can obtain a form for this purpose from your insurance company. Make a copy for your insurance company and keep one for yourself.