USA Today’s article entitled “A small business owner’s advice after a disaster: Hire a public adjuster” is timely for many readers amidst wildfires raging on the West Coast, one of the highest hurricane seasons on record, and an international pandemic. As National Preparedness Month comes to an end, this article gives tips for business owners before and after a disaster.
Before a Disaster – Prepare, prepare, prepare!
- Meet with your insurance agent to be sure of adequate insurance coverage.
- Think about items such as what disasters frequent your area, and how you will sustain payroll if a disaster were to strike.
- Back up your data to the cloud or other means
After a Disaster – Get the help you need
- Hire a public adjuster. A public adjuster works for you, the policyholder – never for the insurance company.
- Public adjusters are fluent in property insurance policies and experts at documenting and proving property damage. They can help policyholders obtain a fair and just settlement.
Steve Severaid, Principal at The Greenspan Co./Adjusters International states in the article, “We work to make sure the insured gets paid everything they’re entitled to, help figure out what everything’s value is, whether it’s a total loss.”