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Just as with any other type of insurance you carry for your business; it is a good idea to know how your Florida commercial insurance policy works in the event of a disaster. If you do experience a flood and you have flood insurance, you will feel much better knowing you are backed up by the insurance company for replacement of all your losses. There are some things you may want to do when you experience a flood that will help you with filing your claim to your insurance company for your losses.
First of all, after experiencing a flood, you will want to contact your Florida commercial insurance agent or company. Ask them how to file a claim. They will put you in contact with a person who can help you through the process. It is therefore always a good idea to have your insurance company’s name, phone and your policy number handy. Next, you will want to separate out the property or items that are damaged so the insurance inspector can see them. This will help the adjustor get your repair estimate ready. The third step is to take photos of all the damaged property including structural damage and make a list of the damaged or lost items with their value and date or purchase. Your insurance company should pay you for your claim within a short period of time after they have reviewed and verified it.