If you are the owner of a business, then it’s a good idea to purchase commercial property insurance in order to financially protect your investment, and life's work, against a number of potential damages, from storms to vandalism to on-site accidents. If your property does sustain damage, then there are a number of things that you need to do.
First of all, always keep your safety and the safety of your employees in mind. If the property is badly damaged, it may not be safe to have anyone near it. Once everyone’s safety is ensured, you will want to contact your insurance agent in order to report the claim.
Most of the time, a representative will come out as soon as possible in order to review the damages. However, in the event that they cannot send someone in a timely manner, you should record all the damages yourself by taking pictures and detailed notes. You should do this anyway for your records as well.
Once the damage has been recorded, you should go ahead and make temporary repairs to make your property usable and safe. Keep track of all receipts and expenditures when you do so. Once your claim goes through, you should be reimbursed as well as given the insurance money to make permanent repairs.
Be sure to follow these steps when dealing with damage to your company property. For more detailed information about purchasing commercial property insurance, be sure to contact us online at CCW Insurance today.
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