Expecting the Unexpected Part of the Unexpected



Know what your broker’s role will be throughout the claim process.

Understand your own duties and requirements under the policy contract. For example, it’s your responsibility to file and support your claim. You should present your own claim—the insurance company’s experts should not do it for you. Take a proactive approach, not a reactive one.

Hire your own experts to prepare your claim, and do not rely solely on historical records. Consider employing a property loss consultant to work on your behalf. Management should concentrate on saving the business, not the details of preparing claims. Leave that to the experts.

Realize that your claim must be verified. It will be audited by the insurance company’s adjusters...

Postloss Considerations