When people use the term “windstorm,” they could mean anything from high winds that rattle the windows to destructive microbursts and straight-line winds. Business owners affected by a damaging windstorm could be looking at a few loose shingles or an entire lost roof, but their experience working with the insurance company to resolve their claims can end in similar disputes and frustrations. That’s why you should take the time to regularly review your wind-damage coverage and really understand how it protects your business after a storm.
How Can You Make Sure Your Business Is Protected Against Losses in a Major Windstorm?
The best way to make sure that your business is ready to weather a windstorm is to take the time to thoroughly review your existing insurance coverage. Every business is different, and it’s important that the coverage you carry fits your need. Keep in mind that:
- Coverage varies. Businesses may carry a number of different policies, both general and specific. How damages are covered can vary a lot from business to business or insurer to insurer, and you will need to understand exactly what your policies say about wind damages.
- Businesses change. Over time, companies and business evolve. The coverage that you purchased 10 years ago may not be adequate for the way your business operates today, so make sure that you review your policies regularly and take changes into account.
- Policy language may not mean what you assume it means. It’s easy to read a commercial insurance policy and assume it will cover wind damage, only to find out that insurance company has twisted or interpreted the policy language in unexpected or confusing ways. This is exactly when an attorney can help you defend your rights and fight for fair coverage.
Find out more about your rights as a commercial policyholder today. Request your free copy of our helpful book, Commercial Property Owners Must Read This Before Filing an Insurance Claim, or contact our team directly for one-on-one help with your questions.
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