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Property Damage Claim

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  1. Protect the property from further damage
    • Cover the property if it is exposed to the elements
    • Make repairs if reasonable and necessary to protect the property from further damage
    • Maintain a record of all expenses incurred protecting the property
    • Separate damaged from undamaged personal property, if possible
  2. Take photos of damage preferably before you take protective action
  3. Prepare inventory of personal property damage
    • List quantity, description, actual cash value, and amount of loss
    • Attach bills, receipts, and related documents
  4. Retain damaged property until a claims adjuster approves disposal (unless a danger to safety)
    • The adjuster may need to inspect the property
    • The insurance company may be able to salvage the damaged property
  5. Notify police in the case of a theft
  6. Be prepared to provide additional documentation as requested by the adjuster
  7. Expect to be contacted by the claims adjuster within 48 hours
    • If the damage significantly affects your continuing operation, we will request that the insurance company expedite your claim
    • Please let us know immediately if your circumstances change and this loss will have a greater effect on your business than originally anticipated

    Use the following if a potential business interruption claim is involved

  8. Business interruption or extra expenses due to loss
    • Record all expenses incurred due solely to the loss
      • Wages for employees involved in clean up or repair
      • Overtime paid for employees to fulfill orders that would have been completed during normal hours if not for the loss
      • Outside venders involved in clean up, repair, etc
      • Leasing of temporary space until your facility is repaired
      • Leasing or purchase of any items necessary to continue operations
      • Other
    • Record all expenses that you continue to incur despite the necessary suspension of your operations
      • Wages for employees who were sent home but still paid (may be covered for continued payroll)
      • Other
    • Document any business lost due to the necessary suspension of your operations
      • Canceled orders
      • Refused orders
      • Other
    • Complete financial records may be necessary to determine your lost income due to the loss
      • Your accountant may be able to help, especially if your on-location financial information was destroyed due to the loss
      • The insurance company may assign an accountant to determine the exact amount of your loss