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Fire & Water - Cleanup & Restoration

What To Know About Business Insurance and Your Company

1/23/2021 (Permalink)

Standing water in an office Water damage in a Seatac, WA office

Here Are a Few Things To Remember

When your Seatac, WA, business experiences water damage you may want to turn to your business insurance for help covering the costs of repairs. Knowing exactly what may be covered in your plan can be helpful.

1. How Insurance Can Help

In the event of damage caused by broken pipes on your business property, your insurance coverage may help cover the costs needed for repairs and inspections. Your insurance provider may also be able to recommend a trusted restoration service to help with the water cleanup and restoration of the property.

2. What’s In the Policy

It's Important to know exactly what is in your policy as water damage coverage may vary by policy type or your location. Most plans will cover damages from accidents or forces of nature such as a broken pipe, or a large storm. However, they may not cover damages from acts of negligence such as failing to have a pipe break fixed quickly. It should also be noted that flooding may be covered under a separate policy if your business is located in a high-risk location. Make sure to talk with your agent about your business’s needs so that they can help you choose the plan for the coverage you need.

3. Who To Contact About a Claim

In most cases, you should have a designated agent, or agent’s office to work with this should make it easier to remember which person you should contact if you need to file a claim. You can keep their number someplace where it can be easily found when needed, such as in a policy reference binder. You may also want to keep a copy of your policy there as well.

When dealing with water damage on your business property, it’s a good idea to know what’s included in your plan. Your insurance company may be able to help with the costs of clean up and repairs from accident damage or forces of nature. It’s a good idea to keep a copy of your policy and the number for your agent easily accessible in case you need to file a claim.

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