Filing Your Small Business Insurance Claim
Wind, water and fire can leave behind a considerable amount of damage in just a few mintues. Being prepared to handle the aftermath can help get you back in business as soon as possible. Your first priority is to make sure that you and your employees are safe. Then move on to preventing further dmage and initiating the claims process. Contact your insurance agent or company. They will advise you on filing your claim.
Inspect the building to determine its safety and the extent of the damage. Before you move or attempt to fix anything take inventory and pictures of the damage to aid in the claims process. Just be cautious of possible hazards such as downed power lines or debris or shock hazards from flooded basements when the power is still on. Your insurance company will send an adjuster to inspect the damage and provide an estimate for repairs. Make basic repairs to mitigate further damage. Board up the building and cover holes in the roof. Consider hiring a professional licensed contractor to help make any temporary emergency repairs.
Secure your building from casual entry or post guards. Restore the utilities as soon as possible. If necessary, install a temporary electrical generator. Use temporary signs to redirect parking or traffic access. Partition the building if some areas are not usable or locate an alternative location if the building is not usable. Consideration should be given to controlling damage to your stock by moving it to a safe location. Above all, keep detailed records of the repair process and any expenses you incur. No matter the extent of your damage, your agent and company claims representative will be there to help guide you through every step of the claims process.
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