Whether you own a Rhode Island warehouse or a warehouse or storage facility in another state that was damaged by Hurricane Sandy, you will need to file a commercial insurance claim for your property damages, business interruption expenses, financial losses, and more.
Keep the following in mind when filing an insurance claim:
- Take pictures of the damage – This includes taking photos of damage to the outside of the structure and anything inside that sustained water damage.
- Get bids for repairs – It is best to get a couple of bids on the cost to repair or replace your damaged property, and also be sure to hire a reputable contractor and company to complete the repair work.
- Show business income – When filing a business interruption claim, you will need to provide evidence of your business income from prior to the storm and then the loss after Hurrican Sandy.
- Keep records – These includes detailed records of your correspondence with the insurance company and all receipts and business activity records during your business interruption period. If you had to move your business to a temporary location, or if you incurred expenses to close down, include all charges—even out-of-pocket expenses and any extra expenses—that you suffered from the storm. These expenses can include utilities, advertising, salary, and more.
- Talk with a commercial insurance lawyer – A policyholder attorney can help you determine what your claim is worth and also work with the insurance company on your behalf so that you don’t have to. The Voss Law Firm can be reached at 888-614-7730 for a free consultation today.