Instructions

1. Protect the property from further damage
• Cover the property if it is exposed to the elements
• Make repairs if reasonable and necessary to protect the property from further damage
• Maintain a record of all expenses incurred protecting the property
• Separate damaged from undamaged personal property, if possible
2. Take photos of damage preferably before you take protective action
3. Prepare inventory of personal property damage
• List quantity, description, actual cash value, and amount of loss
• Attach bills, receipts, and related documents
4. Retain damaged property until a claims adjuster approves disposal (unless a danger to safety)
• The adjuster may need to inspect the property
• The insurance company may be able to salvage the damaged property
5. Notify police in the case of a theft
6. Be prepared to provide additional documentation as requested by the adjuster
7. Expect to be contacted by the claims adjuster within 48 hours
• If the damage significantly affects your continuing operation, we will request that the insurance company expedite your claim
• Please let us know immediately if your circumstances change and this loss will have a greater effect on your business than originally anticipated

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Use the following if a potential business interruption claim is involved

8. Business interruption or extra expenses due to loss
• Record all expenses incurred due solely to the loss
• Wages for employees involved in clean up or repair
• Overtime paid for employees to fulfill orders that would have been completed during normal hours if not for the loss
• Outside venders involved in clean up, repair, etc
• Leasing of temporary space until your facility is repaired
• Leasing or purchase of any items necessary to continue operations
• Other
• Record all expenses that you continue to incur despite the necessary suspension of your operations
• Wages for employees who were sent home but still paid (may be covered for continued payroll)
• Other
• Document any business lost due to the necessary suspension of your operations
• Canceled orders
• Refused orders
• Other
• Complete financial records may be necessary to determine your lost income due to the loss
• Your accountant may be able to help, especially if your on-location financial information was destroyed due to the loss
• The insurance company may assign an accountant to determine the exact amount of your loss