Partial Losses: Making an Insurance Claim

1/6/2022 (Permalink)

Common Questions About Partial Losses At Your Commercial Property

If your business sustained a partial fire loss recently, you may be wondering what the insurance claims process will entail. Here are common questions you may have about partial losses at your commercial property.

What Qualifies as a Partial Loss?

Any damage that did not completely destroy your building but still caused destruction is considered a partial loss. Some examples include:

• Damage that necessitates replacing unharmed items to restore uniformity
  
• Smoke damage to carpets, walls and other surfaces
  
• Items that did not burn but were still damaged by the fire
  
  

It can be hard to get your insurance company to take these kinds of damages seriously. Always insist on receiving the best assistance possible when talking with your agent or claims representative.

What Claims Process Should I Follow?

Here are the steps you need to take to properly file your partial fire loss claim:

1. File your claim early. Making sure to file your claim as quickly as possible after the damage occurs will help you in the long run. You will also have a better idea of what is and isn’t covered early on.

2. Record damages and expenses. Keep all receipts from repairs, snap photos of damage and keep documentation of any other steps in the restoration process. You may need them when you try to prove your financial and property damages.

3. Get professional help. An Oakville, MO, fire restoration service should be able to help you recover from smoke damage and other types of partial losses that may occur. A reliable company will take even small areas of destruction seriously and work out a cleanup plan that works for your business.

A fire loss of any size is a terrible thing to deal with, but a partial loss can present unique challenges that may prove to be frustrating for even the most level-headed business owner. Getting a great restoration team on your side and advocating for yourself with your commercial insurance provider are your best bets to receiving quality cleanup service and getting fairly compensated for your struggles.