Just as the term “prevention is better than cure” applies to your health and well-being it could also be applied to your business building structures. While as a business owner in the State you cannot prevent tornadoes from happening, you can at least take some measures to reduce or prevent major damage occurring to your buildings. Such steps may also help reduce the risk of injuries and the need to make claims on your business insurance NC policy.
The Insurance Institution for Business and Home Safety (IBHS) asserts that making strong construction choices provides the best defense against tornado damage. Strengthening the connections between the components of your building may go a long way towards preventing it from completely collapsing during a strong wind. For an older building, it might be a good idea to get the roof cover inspected and replaced if necessary with one that has a high wind-rating. Such roofs can come with high fire and hail resistance ratings also, meaning you could get some added protection from other disasters at the same time.
It’s also important to have a sound disaster plan in place for your workplace. This includes a place for your employees to shelter, an evacuation and survival plan and a post-disaster management plan. All of these measures can help to reduce the amount of loss your business suffers after a major weather event such as a tornado.
Of course there are no guarantees and it is still important to have adequate business insurance NC coverage in case of loss or damage from tornadoes and other disasters. More information on building construction improvements can be found at the IBHS. Contact our agents for more details regarding insurance for NC businesses.