Recent Fire Damage Posts

Still Smoking? Here Are 5 Ways To Avoid a Cigarette Fire

6/21/2022 (Permalink)

Man smoking It's much easier to avoid a cigarette fire if you smoke safely.

Still A Smoker? Few Steps To Avoid Cigarette Fire

If you've yet to end your love affair with tobacco, you should know that smoking remains a leading cause of household fires. Here are five steps you can take to decrease your risk of a cigarette fire at your Calimesa, CA, home.

1. Take It Outside

You don't need a lecture about the harmful physical effects of cigarette smoke on you and the people with whom you share your home. That said, if you're going to light up, doing so outside is not only better for the health of your household and guests, but it also decreases the odds of a home fire.

2. Stay Alert, Stop a Cigarette Fire

If you're drowsy, don't smoke. This not only means no smoking in bed but also no smoking while taking medication that makes you sleepy or after drinking alcohol.

3. Invest in a Good Ashtray or Two

Whether they're stationed inside, outside, or both, make sure your ashtrays are up to the task. This includes using actual ashtrays whenever possible, as opposed to makeshift solutions such as empty cans or bottles. A big, heavy (or at least heavy-bottomed) ashtray is far less likely to tip over than alternatives.

Where you place your ashtray matters, too. It should always sit on a flat, stable surface: no laps, no pillows, no arms of chairs or cushions. Make sure materials are fully extinguished to avoid an ashtray fire.

4. Outsmart Your Kids

Keep all smoking materials away from your children. This includes matches and lighters, obviously, but also any other smoking or heating devices. Kids are curious. If you leave it out, they're going to check it out. Make sure that any lighters you do keep in the house are child-resistant.

5. Know Where the Water Is

If getting to know your local fire cleanup and restoration company isn't on your "to-do" list, take the extra step to extinguish smoking materials with water when you're all done.

While fires due to smoking materials are on the decline, education and awareness remain essential.

A cigarette fire is much easier to avoid if you practice safe smoking.

How Many Fire Alarms Should Your Home Have?

6/13/2022 (Permalink)

Emergency and evacuation exit stair with smoke and fire A Fire Alarm One of the best and most affordable investments you can make in the safety of your Downtown Riverside, CA, home

How Many Fire Alarms Should You Install in Your Home?

If you think that dusty old fire alarm by the back door is enough to protect your home, think again. One of the best and most affordable investments you can make in the safety of your Downtown Riverside, CA, home is the adequate installation of smoke detectors. Here's what you need to know:

You Probably Need More Alarms Than You Think
According to the National Fire Protection Association, a safe home has smoke detectors installed in each of the following locations:

  • One unit or more on every level of the home (including the basement)
  • One inside every bedroom
  • One outside each bedroom

Opt for a Multifunction Fire Alarm

Many fire alarms today are built to multitask. The most common of these additional functions is carbon monoxide detection. Much like fire alarms, CO detectors should be stationed on every floor of your home, including the basement, as well as outside all sleeping areas. Reduce wall space by choosing a smoke detector that also senses CO.

Size, Make, and Model All Matter

The goal is coverage. If your home is large, you likely need more than just one alarm per floor. Even better, opt for an interconnected alarm system. With this type of setup, if one alarm is tripped, they're all tripped and will sound throughout the entire home.
If any members of your household are deaf or hard of hearing, your fire alarms must account for that, too. A variety of smoke detectors employ flashing lights and motion technology to draw attention to potential emergencies.

Change Your Batteries Annually

Even if your smoke detectors are wired, they'll have a battery backup. Now is a great time to set a recurring reminder on your phone or computer to replace that battery once a year. While you're in there, save the number of your local fire damage restoration company, too.

There's virtually no such thing as being "too prepared" when it comes to fire safety. Fire alarm maintenance and proper placement can drastically reduce the risk of fire and smoke damage at home.
 

3 Types of Fire Detectors

4/2/2022 (Permalink)

Smoke Detector Isolated. 3D rendering A fire damage and restoration service can help you decide if this type of alarm is best for your home. Call SERVPRO!

There Are Three Different Types Of Fire Detectors.

As a homeowner in Beaumont, CA, you probably want to ensure you are prepared in case of a fire. A fire alarm is essential to protect your home from property loss and long-term damage to building materials. The types of fire alarms vary; however, choosing the right kind for your home can be puzzling if you are not familiar with the choices. Knowing your options can help you make the best decision for your home, and there are three common types of alarms used in residential properties.

1. Ionization Smoke Detectors

These types of alarms use a disruption in an electrical current to detect smoke. The device runs a current between two metal plates. When there is a fire, the smoke fills the alarm chamber and disrupts the electric current between the two metal plates. These alarms are highly reliable, rarely causing false alarms and detecting fires quickly. A fast-acting fire alarm can prevent serious smoke damage to your home and belongings.

2. Photoelectric Smoke Detectors

Like ionization alarms, these photoelectric devices use a sensor between two metal plates. Instead of relying on an electrical current, photoelectric smoke detectors emit light between two metal plates. When the chamber fills with smoke, it disrupts the light, causing the alarm to blare.

3. Heat Detectors

A heat-detecting device will sense climate changes in a building, such as drops in temperature or humidity. Depending on the type of building, a heat detector may be less reliable. A building that undergoes many climate changes should use photoelectric or ionization smoke detectors to prevent false alarms, such as those that experience high humidity often. A fire damage and restoration service can help you decide if this type of alarm is best for your home.

Protecting your Beaumont, CA, home from fire does not have to be a difficult chore when you understand its needs. Realizing the risk and equipping your home with an efficient and reliable fire alarm can help keep your home and family safe and sound.

Don't Forget To Clean Odors and Soot After a Fire

2/10/2022 (Permalink)

Specialist is cleaning fire damage in a home. If your home in Riverside suffers from a kitchen fire, you can count on our SERVPRO of North Riverside City team. Call us!

After A Fire, Don't Forget To Clean Up The Odors And Soot.

The sight and smell of a crackling fire can be wonderful when you're under a blanket on a sofa. But you don't want that smell in your house in Riverside, CA, especially not if it is a constant reminder of a fire that you just survived. Smoke damage, persistent smoke smells and soot damage, while less noticeable than burned walls and furniture, can be an ongoing source of trouble long after a fire has been put out if they are not remediated.

Making sure the smoke damage to your personal property and furniture, as well as to the structure of your home, is cleaned will go a long way to mitigate the odors. Places where smoke odors can linger range from the obvious to the less visible.


• Upholstered furniture like sofas, arm chairs and dining chairs
• Soft furnishings like throw pillows, blankets, seat cushions and drapes
• Throw rugs, area rugs and wall to wall carpeting
• Semi porous surfaces such as lamp shades and air filters
• Interior walls and built-in cabinets and seating

Soot develops when materials burn and the resulting particulate matter spreads out. It accumulates on visible surfaces like countertops and tables, and it can also find its way into hidden spaces. Make sure to check for soot damage on cabinet and pantry shelves, on and inside books and magazines, on appliance surfaces and inside closets. Soot can also make its way inside electronics such as TVs and computers where it can cause damage. It must be completely removed to stop it from being spread back into clean areas on the soles of shoes or via hands that have handled sooty items.

House fires burn structures and destroy personal property, and surviving them in Riverside, CA is hard enough. Make sure that smoke damage is addressed when the fire damage is repaired so that you don't have to live with dirt and odor reminders of the disaster.

Tips for Avoiding Home Cigarette Fires

12/13/2021 (Permalink)

Close up of ashtray full of cigarette, with man in background working on laptop computer and smoking indoors on early morning SERVPRO has the experience to handle any fire damage in your home and we're available 24/7 to answer your call.

Tips For Preventing Cigarette Fires At Home

Homeowners in Riverside, CA, should be aware of the danger of fires caused by cigarettes. A few moments of carelessness can lead to costly damages or, worse, injury or death. However, preventing a tragedy like this takes only a little common sense and awareness. By following the tips outlined below, you can make sure a cigarette fire never occurs.

1. Check Your Smoke Alarms

Smoke alarms need to be installed on every floor of your house, even in the attic and basement. Make sure they are in good working order by testing them each month and replacing the batteries if necessary.

2. Smoke Outside

Perhaps the best way to keep from starting an ashtray fire in your home is to restrict your smoking activities to areas that are outside, such as your backyard or patio. Create a habit of going outside when you want to smoke. Not only does this lessen the possibility of a cigarette fire, but it has the added benefit of keeping the smell of tobacco smoke out of your home.

3. Restrict Children’s Access

Make sure children don’t have access to your cigarettes, matches or lighters. Kids are naturally curious; if they’re able to light a match or cigarette, it could easily start a fire.

4. Don’t Smoke While Drinking, Medicated or Drowsy

If you do smoke inside your house, make sure to limit the times you smoke to when you’re wide awake and not under the influence of any medication or alcohol. Don’t ever smoke while lying down on a couch or in bed. If you were to fall asleep with a cigarette in your hand, it could easily fall and start a blaze.

If you are unlucky enough to be the victim of a cigarette fire, a professional fire cleanup company can help you repair the damage and get your home back to normal. But hopefully, by following the simple advice outlined above, you can ensure that such a fire doesn’t happen.

10 Leading Causes of Home Fires

10/31/2021 (Permalink)

Leading Causes of Home Fires

A home fire in Beaumont, CA, should concern you and your family. Knowing the leading fire causes may help protect you.

1. Cooking

When grease splatters or equipment overheats, it can quickly start a fire. Never leave the kitchen while cooking. Keep combustibles away from heat sources.

2. Electrical Equipment

Electrical equipment can cause fires. Problems include loose or frayed cords or plugs, overloaded outlets, wires under heavy furniture or rugs, and overused extension cords.

3. Heating Equipment

Keep portable heaters away from anything that can burn. Turn portable heaters off when sleeping or when you leave a room. Have an annual inspection of your furnace.

4. Smoking

Make yours a no-smoking home. If you smoke, go outside. Do not smoke in bed, and do not smoke when impaired. Use water to dispose of ashes and butts.

5. Candles

Any open flame is a home fire concern. Keep candles on a level surface in a sturdy holder. Keep candles away from combustible materials. Extinguish candles before leaving the room.

6. Children Playing With Fire

Children cause fires by playing with matches or lighters. Keep lighters and matches out of sight and out of reach of children.

7. Inadequate Wiring

Warning signs of inadequate wiring are if you have to disconnect an appliance to connect another, if you have to make extensive use of extension cords, if circuit breakers flip or fuses blow frequently, or if lights dim when using appliances.

8. Flammable Liquids

Flammable liquids can ignite or explode. Keep flammable liquids away from heat sources, preferably in a cool, ventilated area outside your home.

9. Christmas Trees and Decorations

Keep your Christmas tree in a stand with water. Keep your tree away from heat sources. Discard decorative lights with frayed or damaged cords. Do not put candles near or on your tree.

10. Barbeques

Never barbeque indoors or near your home. Keep your grill away from deck rails, umbrellas, tablecloths and tree limbs.

Knowing the leading fire causes is important in fire protection. If you have a home fire and need fire cleaning, contact a restoration specialist for help.

Will Insurance Always Cover House Fires?

7/29/2021 (Permalink)

An Executive holding a piece of paper stating ARE YOU COVERED? Beside, house made out of paper and burning If you have the correct insurance coverage, you can have enormous peace of mind after a home fire.

Will House Fires Always Be Covered By Insurance?

As a homeowner, you never want to have to make an insurance claim for damage to your place. Recovering from a catastrophe can be stressful and devastating. However, you’re relieved that a good insurance plan can help cover the costs of any damage. It’s important to know, though, that in some cases, an insurance policy won’t cover a home fire. Be aware of thee guidelines so you don’t make a bad decision or so that you’re not caught off guard.


Deliberate Fire


No insurance policy will ever cover damage to your home due to an act of arson. Arson insurance fraud is a crime and could land you in prison.

  • Homeowners who commit this are trying to collect money from the insurance company.
  • The insurance company will investigate any house fire.
  • If the investigation reveals arson was the cause, the insurance company will not cover any loss or damage to the Riverside, CA home

Vacant Home



If you leave your home vacant, and a fire occurs, the insurance company will not cover the incident. Insurance companies have specific definitions for what constitutes a vacant home fire. First, most insurance companies consider a home to be vacant if the owners haven’t occupied the property for more than 30 days. Also, the home fire must have occurred during this vacancy period. This doesn’t mean if you’re away for an extended vacation, or if you only live in the home for part of the year, that you can’t get coverage. In these cases, simply apply for vacant home insurance or get an endorsement on your current policy.


You can have tremendous peace of mind after a home fire if you have the right insurance coverage. If you plan on vacating your home for more than a month, make sure you work with your provider to ensure you have coverage. Also, remember that no plan will cover a fire that results from a criminal act.

How To Keep Your Pets Safe During a House Fire

7/7/2021 (Permalink)

Pomeranian dressed as fire fighter When you make your escape strategy, do not forget about your furry friends.

Take The Steps Below To Keep Your Pet Safe

You have probably prepared your family for a fire emergency. Your children likely know how to escape a burning home. Pets, however, usually do not understand what to do during a blaze. You should thus take the below steps to keep them safe.

1. Include Pets in Your Fire Escape Plan
When you make your escape strategy, do not forget about your furry friends. Practice bringing your dog or cat with you as you leave the burning home. As part of your pet preparation plan, you should also keep a separate supply kit that includes the animal's food and other essentials.

2. Keep Your Pets in Easily Accessible Areas
Of course, a fire emergency can also occur when your pet is home alone. If this happens, rescuers will try to save any trapped animals in your Downtown Riverside, CA, house. To make the firefighters' job easier, keep your pets near an entrance when they are home by themselves. You may want to keep their leashes in an easily accessible location, as well.

3. Ensure Firefighters Know How Many Pets You Have
Firefighters also need to know exactly how many pets may be inside. You may not have time to tell the firefighters this key information when they arrive at the house.
You should thus put up a piece of static cling in your front window that states how many pets you have. Update the list every time you get a new pet.

4. Make Sure Your Pets Have a Place To Stay
You and your family may have to temporarily move into a hotel while fire restoration professionals clean up your damaged home. Call in advance to find out which hotels in your area allow pets.
You should consider pet safety when making your fire preparation strategy. While you should not risk your life to rescue your dog or cat during a fire emergency, you can increase the pet's chances of survival by planning ahead.

Smoke and soot

7/2/2021 (Permalink)

Flames and smoke coming out of the bottom of a door Residential fire.

Smoke and soot are very invasive and can penetrate various cavities within your home, causing hidden damage and odor. Our smoke damage expertise and experience allow us to inspect and accurately assess the extent of the damage to develop a comprehensive plan of action.

Smoke and Soot Facts

  • Hot smoke migrates to cooler areas and upper levels of a structure.
  • Smoke flows around plumbing systems, seeping through the holes used by pipes to go from floor to floor.
  • The type of smoke may greatly affect the restoration process.

Different Types of Smoke

There are two different types of smoke–wet and dry. As a result, there are different types of soot residue after a fire. Before restoration begins, SERVPRO of North Riverside City will test the soot to determine which type of smoke damage occurred. The cleaning procedures will then be based on the information identified during pretesting. Here is some additional information:

Wet Smoke – Plastic and Rubber

  • Low heat, smoldering, pungent odor, sticky, smeary. Smoke webs are more difficult to clean.

Dry Smoke – Paper and Wood

  • Fast burning, high temperatures, heat rises therefore smoke rises.

Protein Fire Residue – Produced by evaporation of material rather than from a fire

  • Virtually invisible, discolors paints and varnishes, extreme pungent odor. 

Our Fire Damage Restoration Services

Since each smoke and fire damage situation is a little different, each one requires a unique solution tailored for the specific conditions.  We have the equipment, expertise, and experience to restore your fire and smoke damage.  We will also treat your family with empathy and respect and your property with care.

Filing an Insurance Claim After a Home Fire

6/8/2021 (Permalink)

Home Destroyed By Fire With Caved In Roof Vacant home fire in Calimesa, CA

A home fire can be a very upsetting ordeal. Fortunately, homeowners' insurance will cover many fire losses.

What Homeowners Insurance Does Not Cover

There are a few instances where most homeowners insurance will not cover fire damage, including the following:

  • Arson
  • Wildfire
  • Vacant home fire

In addition to the above exclusions, insurance policies have coverage limits. This means that they will not pay for damages above a certain amount. It is important to talk to your insurance agent to make sure you have adequate homeowners' coverage and determine whether you need an additional policy, such as vacant home insurance.

How To File a Claim

After the home fire has been extinguished and all family members are safe, it is time to call the insurance company. The agent will let you know what information you will need to submit. Take a detailed photo or video evidence, and make a list of all items that will need to be repaired or replaced. If you have original receipts or a record of how much the items cost, include this information. Additionally, keep detailed records of all the expenses you incur, including those for repairs and temporary housing. Finally, do not let the insurance company close out the claim until you are sure all the damage has been discovered and documented. Often, homeowners find damage later on that they were unaware of when initially filing the claim. The insurance company is not obligated to cover damage discovered after the claim has been closed.
After you have filed an insurance claim, it is time to begin repairing your property. It is important to act quickly because water from the extinguishing efforts can begin to grow mold, and smoke and soot can cause permanent damage if left for too long. You may wish to hire an experienced restoration team to help you get your Calimesa, CA, property back to normal after a home fire.

2 Key Features To Look for in a Smoke Detector

4/9/2021 (Permalink)

Inside of a empty home burned, windows are boarded up Board up after a fire in Moreno Valley, CA.

2 Key Features To Look for in a Smoke Detector

If you're buying an older home or updating your current one in Moreno Valley, CA, it's very important to make sure you have the right safety features in place to protect you and your family. For instance, there should be a smoke alarm on each level, including the basement, in the halls outside each sleeping area, and inside each bedroom.
Every year, more than 350,000 house fires occur — one every 87 seconds — and smoke inhalation is the leading cause of death and injury by fire. In addition to knowing where to place your alarms, you should know what features to look for when shopping for replacements.

1. Power Supply
When choosing a smoke detector, go for a wired-in model if you can. These detectors are connected directly to your home's electrical system, so they are less likely to malfunction and require less maintenance than battery-powered ones. If that isn't an option for you, a battery-powered model is extremely effective and easy to maintain, as long as you are vigilant about replacing the batteries regularly.

2. Ionization vs. Photoelectric
Many people may not realize that there are two methods a smoke alarm can use to detect smoke. The ionization method uses the ionization of air to create a current that runs between two metal plates. When smoke gets into the detector, it disrupts the current and sets off the alarm. This type of detector works best for aggressive fires with open flames.
The photoelectric method uses light to detect smoke; the smoke particles block the light as it enters and trips the alarm as the light goes off. Photoelectric detectors work best for smoldering fires with more fumes than flames. Homes that are best-equipped for fire safety include both types of detectors in their floor plans.
Though you can't protect your home or your loved ones from everything, you can protect them from death, injury, and damage from fire by installing a smoke alarm in each recommended area of the home. If the unfortunate happens and you need smoke and fire remediation, contact professionals in your local community for help.

Fire Alarms: How Many and Where to Have Them

12/25/2020 (Permalink)

Testing a smoke alarm Test your smoke alarms

Having Your Fire Alarm In The Right Place

The thought of ever having a fire in the home would be enough to frighten anyone. Smoke alarms can't prevent a fire from starting, but they can warn you that danger is in the home. This buys you the time you need to get out safely and possibly even extinguish the flames yourself before they spread. If your home isn't equipped with a fire alarm in the right places, make sure you understand the proper guidelines and regulations.

Maintenance
The last thing you want is for your home to suffer fire damage. Smoke alarms can help to minimize these issues and keep you safe. Of course, if you don't properly maintain fire alarms, you can't expect them to do their jobs effectively. Here are some tips for keeping them in good condition:

  • Change the batteries (if applicable) once a year.
  • Clean the alarms once a month.
  • Test the alarms weekly.
  • Replace the alarms every 10 years.

Bedrooms
Every bedroom in your home should have a fire alarm. If your Yucaipa, CA, home is missing one in any sleeping area, call a professional right away for installation help. If you are not missing any in these rooms, make sure they are working well.

Outside Sleeping Areas
Along with having an alarm in every bedroom, your home should have them in the hallway outside these rooms. This provides an added layer of protection and warning for family members.

On Every Level
Smoke damage can cause severe health problems. Don't let a fire in your house get to the point that you are not able to exit the premises. By installing an alarm on every level, including the basement, you increase the chances of keeping everyone safe in the event of a fire.
Having a fire alarm in the right places in your home is essential. You may not be able to avoid calling a professional fire restoration company after a fire, but you can protect yourself and your loved ones.

Understanding Your Commercial Insurance Policy

10/26/2020 (Permalink)

Commercial Insurance Every business should have a commercial property insurance policy

What Is Covered Under A Commercial Policy

Every business should have a commercial property insurance policy to protect the company’s physical assets and building, in Downtown Riverside, CA. But what does commercial insurance cover? With all the confusing lingo, it can be tricky to decipher the coverage.
Here are some key points for understanding what is covered under a commercial policy:

1. Theft
Commercial policies often cover the cost to replace any property that is damaged or stolen due to theft or robbery. This can include equipment, office supplies, computers and inventory. Employee theft may also be covered under this policy.

2. Vandalism
If your business falls victim to vandalism and the building’s exterior is damaged or defaced, the cost for repairs is typically covered. For example, your policy will replace smashed or broken windows, or pay for cleanup services to remove paint and graffiti from the walls of the building.

3. Lost Business Income
You can file a claim for lost income due to business interruption if you shut down your business temporarily. Any operating expenses for services that cannot be suspended or paused during this temporary shutdown should also be included. If you operate your business in a temporary location while your building is under repair, the policy should cover some of these operating expenses.

4. Water and Fire Damage
Commercial insurance will cover the cost to repair and restore damage to the property if your business suffers from flooding, fire, or other disasters. This can include damage to the physical structure of the building, the building’s exterior, and property and assets inside the building, such as furniture, electronic equipment, and other business inventory stored at the property. Professional fire and water cleanup services are recommended to restore your business to its pre-damaged condition and are usually covered under the policy as well.
Understanding commercial insurance can seem overwhelming but it is important to know what is covered. Every business should have a policy to ensure that the company is protected against financial loss.

Residential Fire - Stay Safe by Regularly Testing Fire Alarms

9/17/2020 (Permalink)

Testing a smoke alarm Test your smoke alarm monthly

Inspecting and Checking Your Fire Alarm

A smoke alarm is the first line of defense against a fire in your Moreno Valley, CA. They are designed to alert everyone in the home of fire and smoke to help them get out safely, but they can only do their job if they are properly maintained. In everyday life, it can be easy to forget about the vital device installed in various parts of your home. Instead of risking the safety of everyone and needing fire damage and restoration specialist to salvage your home, make inspecting them and checking them a priority.

Fire Alarm Maintenance
Most people have either an ionization and photoelectric smoke alarm, or a dual one that provides both functions. Unless they are hardwired, these kinds require a 9V battery to operate. Below are recommendations to help maintain their upkeep.

Test all kinds of alarms monthly.
Replace alkaline batteries twice a year. A good rule of thumb is to change them on daylight saving time days.
Lithium-powered alarms should not be replaced. Instead, replace the smoke alarm every 10 years.
Replace backup batteries in hardwired systems once a year.
Replace hardwired alarms every 10 years.

Which Is Better, Alkaline, or Lithium?
Since a smoke detector is vital for safety, you want to ensure you are adhering to manufacture guidelines. If going with a lithium 9V system, they do provide a longer-lasting battery life, but they require an alarm designed to handle that type of battery. They maintain their high voltage for longer, so they may have a shorter low-battery warning timeframe. Alkaline batteries have been the staple for years, but they do require regular replacement and monitoring. As long as regular tests are done and guidelines are followed, both are designed to help keep you and your family safe.
Although it might be easy to assume the smoke alarm will work, taking preventive measures can ensure they do. Make regular testing a priority to be ready if a fire breaks out.

What Does Business Interruption Insurance Cover?

7/2/2020 (Permalink)

Financial concept meaning Business Interruption Insurance with sign on the piece of paper. There are many incidents that could lead to business interruption

A fire in your commercial building in Beaumont, CA, can cause extensive damage. You may not even be able to continue business as usual until the damage is repaired. When this happens, it's useful to have business interruption insurance to cover the costs to keep you on your feet.

Operating Expenses

Entrepreneurs know how to be flexible and adapt to new circumstances. No matter how seamlessly you change your business model to accommodate for the temporary loss of your facilities after a business fire, however, it is likely that you won't see as much cash flow as you're used to. Unfortunately, the costs associated with operation don't go away:

  • Payroll
  • Taxes
  • Loan payments
  • Monthly bills
  • Temporary location

Your interruption policy can help cover these costs. Talk to your provider about the specific exemptions for your particular policy.

Lost Income
Business interruption insurance may also cover the income you lose while fire cleaning experts are working on your building. The amount your policy covers depends on a combination of previous and projected earnings. Using recent profit and loss statements, your provider estimates how much you would have earned if you were able to operate your business as usual during the down time. The policy is designed to protect that income so that you don't get behind or have to shut down completely.

Government Shutdown
If a pandemic or some other widespread disaster happens, the government may decide that all non-essential businesses must close for a certain period of time. During these events, your interruption policy should cover the same things it would cover if your building was damaged or destroyed. A shutdown that is out of your control doesn't have to put your business in jeopardy if you have the right insurance coverage.
There are many incidents that could lead to business interruption. It just makes sense to have a policy in place to cover the money you lose because of it.