After a severe storm, churches may be faced with a number of damages, and it may not be immediately clear how that damage is covered by the insurance policies held by the church. Depending on the types of damage sustained and the details of your coverage, you may need to prepare separate claims and documentation for the different types of damage caused by the same storm. For example, you may be submitting separate claims for:
- Wind and hail damage
- Lightning and electrical damage
- Fire damage
- Water and flood damage
- Damage to vehicles
- Damage to separately insured art, antiques, and other unique features
If the right claims are not submitted under the correct policy, then your claim for damage will more than likely be denied, and it could complicate even appropriate claims under the policy. Overall, determining which policy covers what type of damage can be a headache, and mistakes can prevent or seriously delay your ability to makes repairs and mitigate the impact on your congregation.
For help reviewing insurance coverage, organizing storm-related insurance claims, or creating a plan for recovery after a storm strikes your church, don’t hesitate to speak with our experienced legal team today. We can help you with every aspect of the insurance claims process, and we will fight on your behalf to make sure you can recover smoothly.
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