Apartment Complex, HOA, Condo Insurance | Get A Free Business Insurance Quote

Apartment Building, HOA, Condominium Insurance Program

We have some of the most competitive rates in the country! Our policies come with comprehensive coverage, that beats the standard in the industry. Our agency has experienced licensed insurance agents, to help you find the policy that is best for your property. We insure all operations and sizes. This includes large HOA’s and apartment complex’s, all the way to a small duplex.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look a break down of coverages we offer.

Coverages Available

  • Building (structure)
  • Business Personal Property
  • General Liability
  • Loss Of Use & Rent
  • Sewer Back Up
  • Employee Dishonesty
  • Employee Practices Liability
  • Equipment Break Down Coverage
  • Workman’s Comp
  • Commercial Auto Insurance
  • Directors & Officers Insurance
  • Errors & Omissions
  • Excess/Umbrella Liability
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Insurance Quote!

We offer up to 4 commercial lines companies. To get a free insurance quote, please use our quick form, or contact us during normal business hours at (888)-270-0995. We will counsel you into how to receive the best price, for the most coverage. We will also advise on how to maximize discounts.

Can A House Or Apartment Fire, Damage A Foundation?

Concrete is used  in many parts of a home or building. This includes the foundation, barriers, support beams and other structures. Concrete is also used as a fireproofing, due to its low thermal conductivity. In a substantial fire, concrete can weaken and sometimes must be replaced. This is the reason why insurance companies account for a foundation, when insuring a building or dwelling.

Facts of Concrete Being Exposed To Fire

Up to 300 °C(572F),  the concrete undergoes regular thermal expansion. Above that temperature, shrinkage occurs due to loss of water. Aggregate continues expanding, which causes internal stress. Up to about 500 °C, the major structural changes are carbonation and coarsening of pores. At 573 °C(1063F), quartz undergoes rapid expansion due to Phase transition, and at 900 °C(1652F) calcite starts to shrink due to decomposition. At 450-550 °C(842 to 1022F) the cement hydrate decomposes, producing calcium oxide. Calcium carbonate decomposes at about 600 °C(1112F). Rehydration of  calcium oxide on the dropping temperture of the concrete causes expansion. This can cause damage to the concrete which sustained the fire without falling apart. Concrete that has experienced a fire and left standing for several years shows extensive degree of carbonation and deteriation.

The Temperture of a house or apartment fire.

  • A House or Apartment Fire can exceed 1100F is 3 1/2 minutes.
  • The Heat from a fire can spread to any room. These temperatures can reach over 300F without an active fire in that room.

Overall if concrete of any sort is exposed long enough to fire, it could cause little or even a lot of damage. This can be a concern, due to the fact that the foundation supports the dwelling or building and supports a lot of wait. A Structural  or Civil engineer can determine if a foundation is safe or not.

Sources:

http://www.fairviewok.org/id71.html

http://en.wikipedia.org/wiki/Concrete#Leaching