Are you prepared to file a criminal insurance claim? Learn about the procedures you need to follow if your business is broken into.
Understanding Commercial Insurance Coverage
Your commercial insurance policy may offer protection against criminal activities. Incidents resulting in damage or loss will likely qualify for an insurance claim. However, the claim process involves a standard procedure that must be followed.
Any criminal activity needs to be thoroughly documented. This documentation should detail what happened and include information about the discovered damage.
Initial Steps to Take
Upon discovering that your business has been broken into, your priority should be to ensure the premises are safe to enter. It’s advisable to file a police report, which will provide the necessary documentation to support your insurance claim.
If you discover criminal activity, contact your insurance agent immediately. The agent will handle the necessary paperwork.
The Inspection Process
Next, an inspection will be conducted. You can be present during this process. The inspector may have questions about what you discovered and the extent of the damage.
The inspection report determines whether your commercial insurance claim is approved. If it is, you’ll need to consult with a contractor capable of restoring your business. The restoration process may be conducted in stages.
Contact an Insurance Agent in Winter Garden, FL
For more information about filing a commercial insurance claim, connect with one of our agents at Abney Insurance. Our agents can address your concerns and guide you on what to do if you need to file a claim.
