How to File a Home Business Insurance Claim

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Filing a home business insurance claim is something that you need to do in a very particular way for the best possible results. File a home business insurance claim with help from a public insurance adjuster in this free video clip.

Part of the Video Series: Home & Business Insurance
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Video Transcript

Hi, and welcome. I'm Dan Odess. I'm a public insurance adjuster and I'm here to talk to you about a really relevant topic which is how to file a business insurance claim. Now I do this all the time. Business insurance claims are a very tricky difficult business because there's a lot of different moving pieces unlike most homeowner's insurance claims when you're really just talking about your personal property and the actual home itself. When it comes to business insurance claims there's a variety of things that you need to keep in mind, make sure that they're being adequately represented and filed appropriately. One of those things which typically gets handled last is your actual business income or your extra expense loss. Your business income and actually your expenses it's important to know in your policy they will specifically state a time period for when that actual coverage kicks in. Most often it's about 72 hours from the loss meaning you will not recover for the first 72 hours after that loss occurs. From the 73rd hour going forward you will actually, or the 72nd hour and 1 minute, you will start to actually get that coverage that's afforded to you. So it's important to note that in the first several days of your loss there will not be any coverage. After that, when it comes to business insurance claims, there's many different layers and depending on the type of loss it is, there's many different insurance companies you're going to be dealing with. It's an important important thing that every single insurance company that is included in your insurance policy is given prompt notice of the loss. So work with your agent and your broker or your attorney to make sure adequate notice is given to every single one of the insurance companies that is included in your binder of insurance. This is Dan for eHow. Thanks for watching.

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