Having access to commercial insurance coverage is crucial if you become the victim of criminal activity. Use the following guidelines to help navigate the aftermath of theft or vandalism.
Prioritize Safety and Take Immediate Action
Ensure the safety of yourself and your employees. After a criminal incident, assess the premises to confirm they are free of intruders. Avoid entering the property if there is any risk of danger.
Report the incident to local authorities immediately. Be prepared to stay off the premises while an investigation is conducted. Obtain a copy of the police report for your records. Additionally, prepare separate documentation to support your insurance claim. Photos of the damage, video footage of the incident, and witness statements can strengthen your case.
Understand the Claims Process
File an insurance claim as soon as possible. The claims process may involve several steps before approval. You may need to meet with an insurance adjuster, who will inspect the area of your property affected by the criminal activity. Throughout the process, you have the right to receive updates regarding the status of your claim.
Restoring Your Property
If your insurance claim is approved, a rehabilitation project may be initiated to restore your property to its original condition. This process may involve hiring contractors to install new equipment, repair damaged items, and conduct inspections at scheduled intervals. Your insurance provider will guide you through each step of the restoration process.
Reliable Insurance Support
Do you have questions about your commercial insurance policy or the claims process? Schedule an appointment with an agent serving Commerce, GA. One of our agents at Hyman Brown Insurance Agency Inc. will meet with you to review your commercial insurance policy and address your concerns.