Residences weren’t the only structures affected by Superstorm Sandy. In fact, many businesses suffered physical damages and financial losses due to the storm.
Whether a New York business suffered direct physical damages from the storm surge, winds, or fires that occurred in Sandy, or a company was affected because of non-physical damages, New York business owners should know how to file a business claim. Several steps include:
- First, business owners should notify their insurance company as soon as possible. Because insurance companies are inundated with residential and commercial insurance claims following Sandy, it is best to start the claims filing process quickly so that you can get in line ahead of the masses.
- Second, it is best to read your business insurance policy to make sure you understand it and know for what losses your company may or may not be covered.
- Then take necessary steps to protect your commercial property from any more damage by making temporary repairs. This means, tarp off damaged roofs and board up windows that were damaged so that rain and other elements won’t harm your property any further.
- Fourth, document your losses. Make lists and take pictures. Save anything damaged until the claims adjuster has had a chance to examine the damaged items.
- Finally, make sure you can produce your business income, or the income generated before and after the loss. Additionally, keep all receipts and records of any expenses that your business had to endure following business interruption, such as moving to a temporary location or any extra expenses your company incurred for keeping your business operating after Sandy. You will need these documents to prove your losses.
If you need help filing your New York commercial insurance claim, call the Voss Law Firm to speak with an insurance claim attorney for help getting the best recovery possible at 888-614-7730. You will receive a free consultation and a free copy of our book Commercial Property Owners Must Read This BEFORE Filing an Insurance Claim.