Gov. Henry McMaster declared a state of emergency on March 2 due to the wildfires spreading across South Carolina. Officials reported that over 175 wildfires were affecting 4,200 acres in counties such as Horry, Spartanburg, Oconee, Union, and Pickens. The rapid spread of these fires has been attributed to dry and windy conditions.
The impact of natural disasters like these wildfires can be severe for small businesses. They may cause property damage, prevent employees from working, and disrupt deliveries. In light of this situation, business owners are advised to consider key steps when dealing with insurance claims after being affected by such disasters.
When filing an insurance claim, it’s crucial to contact your insurance company once it is safe. Important questions include what types of damage are covered, how long processing will take, and whether estimates for repairs are needed.
Temporary repairs can be made to prevent further damage but should not be extensive until the claims adjuster assesses the damages. Receipts for repair expenses should be saved.
To expedite the claims process, prepare detailed information about damaged property including descriptions and approximate purchase dates. An inventory of damaged or destroyed items along with receipts should be provided to the adjuster. Photographic or video evidence of the damage is recommended.
Structural damage should be identified and documented for the adjuster’s review. This includes listing cracks in walls or missing roof tiles and checking electrical systems since most insurance companies cover inspection costs.
Obtaining written bids from licensed contractors detailing materials and costs can facilitate faster claim adjustments. Keeping copies of all documents submitted to your insurance company is important for records.
After settling a claim and commencing repairs, business owners should re-evaluate their insurance coverage with their agent to ensure adequate protection moving forward.
