As a business owner, your company is your livelihood. When property damages arise due to natural disasters, the damages may cause your business to suffer financially because you can’t focus on your company, clients, or employees if you are focusing on a pursuing a commercial insurance claim. For this reason, it most likely is in your best interests to have a qualified insurance claim attorney on your side to navigate your claim for you. However, if you want to file your claim on your own, you should take the following steps:
- Notify your insurance company of your damages to begin the claims process.
- Reread your insurance policy to understand what you are and aren’t covered for.
- Make any necessary temporary repairs to your office complex, like placing a tarp over the roof, so that another storm won’t cause your building further damage.
- Keep all receipts of expenses that were related to the storm damages, such as receipts for temporary repairs or moving to a temporary location.
- Take pictures and notes of anything damaged, including physical property damages and personal property damages, even office equipment that was ruined by a leak in the roof.
- Get repair quotes from reputable contractors and submit your quotes to the insurance company.
- If you also suffered a financial loss, gather your financials to show your business income before and after the storm in order to prove you suffered a loss.
When a business complex sustains storm damages, you may need to make a claim not only for property damage, but also for financial losses, business interruption expenses, and more. Texas first-party insurance claims can be complex. If you need the assistance of a skilled Texas insurance claim attorney, call the Voss Law Firm at 888-614-7730 for a complimentary consultation today.