Insurance companies pay more that $150 billion every year due to accidents or disasters.
Because a loss is hard enough on business owners's wallets, knowing what to do when you have a claim can help you get the best value for your insurance dollar. Some tips include:
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Phone your agent as soon as possible.
Ask how to proceed and what forms or documents will be needed to support your claim.
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Prepare a list of lost or damaged articles. Include the brand names and model numbers of appliances and electronic equipment.
If possible, take photographs of the damage.
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Be sure to keep copies of lists and other documents you submit to your insurance company.
Also keep copies of whatever paperwork your agent provides you.
* If your property was destroys or you no longer have any records, you will have to work from memory.
Try to picture the contents of every room and then write a description of what was there.
Try also to remember were and when you bought each piece and about how much you paid.
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Make temporary repairs and take other steps to protect your property from further damage. Save receipts for what you spent and submit them to you insurance company for reimbursement.
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Avoid using electrical equipment, including computers, stereos and other exposed appliances that have been exposed to water unless they have been checked by a technician.
Most insurance companies pay for such inspections.
* Supply the information your insurer needs.
Your insurer will represent you if a claim is brought against your or your business.
We recommend you take the time to review your policy coverages as your company grows with your agent or broker.
It's also important to shop your insurance premium and coverages to see if you have the best available...
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Insurance
needs are different for each and every client that we
serve. We realize that at times we are judged by
the company we keep. We continually evaluate new
companies that may be an asset to your business or
personal security..
