THE SCENARIO
You wake up one fine morning and go to work to find that... wind had removed shingles from your roof; or the sprinkler system had accidentally discharged and water damage occurred; or that vandals had broken in during the night stealing some property while damaging other; or a fire started in a janitor's closet and smoke found its way into your storage room and retail space damaging the structure, its contents and will surely disrupt your business.
- What do you do first?
- How do you preserve the evidence to prove your claim, while at the same time clean up the damage so you can get back to business?
- Will you have partial use of your establishment or should you temporarily re-locate?
- Will the insurance company pay to replace all of the affected items or will they want to clean some?
- Just what are your rights under the policy and what are your responsibilities?
- Will the insurance company pay to replace all of the affected items or will they want to clean some?
The claims process is full of these and many other questions and your policy can be quite difficult to understand and many times its language is open to interpretation.
