Tips for Getting Your Insurance Company to Pay for Secondhand Smoke Damage
You know you're covered if a fire breaks out in your offices, but what if there's a fire in an adjacent building? Happily, some insurance policies will cover your losses if your Vinings,GA, company has been impacted by a fire from a neighboring business. As you address smoke damage losses with your insurance company, make sure you complete the following steps.
Provide Thorough Documentation
There's a very good chance your insurance company will cover your losses, but for the best results, you need to keep track of what you've lost. As you take note of damages, include the following information:
- Date of fire
- Type of damages
- Location of damages
- General condition of your property
- List and description of damaged goods, furnishings, equipment, and inventory
- Names of employees, customers, and others who received injuries
- Description of injuries
Back up your claims with photographs of affected areas and items in your building. You should also plan to provide police and fire department reports when you file your claim. It's also a very good idea to collect and save all of the emails and documents you exchange with your insurance company. If you speak to representatives on the phone, keep a written record of those conversations.
Understand Your Policy
The more you know about your coverage, the better off you'll be when disaster strikes. As smoke moves through your building from adjacent properties, your walls, ceilings, carpeting, and equipment could be exposed to hidden soot damage. Work closely with your insurance company and a smoke cleaning and restoration company to minimize your losses.
Seek Additional Help
Insurance companies operate with a focus on increasing profits while keeping costs down, as most other businesses do. However, if you believe that ambiguous wording is going to cost you thousands of dollars, you should talk to a public adjuster for help.
Even if your business wasn't directly affected by a fire, smoke damage could lead to extensive losses and reconstruction. Protect your business and yourself by understanding what your insurance company can and should offer.