It is a good idea to make a detailed inventory of your business property. Having this available is extremely important should you ever need to file a claim. A photographic record of items is an added benefit.

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• What should we do if our business is damaged?

  • The first thing you should do is to contact us or your agent to report the damage or loss to start the process. Next, you should:
    •  Look for potential safety risks. Take reasonable steps to correct them.
    •  Take reasonable steps to prevent further damage.
    •  Keep an accurate record of your repair expenditures.
    •  Separate items that may be cleaned and/or repaired.
    •  Check with your claim representative before you discard any items you plan to claim as damaged.
    •  Review your policy for specific coverage information.

• What happens after we report the claim?

  • Once you have reported your claim, your personally assigned claim representative will contact you by the next business day. (Usually sooner!)

    To expedite repairs, you can choose to get estimate(s) from contractor(s) of your choice or your adjuster may be able to provide you with a list of local contractors who have done work for our customers in the past.

    Major damage may require contractor/engineer inspections.
    Some repairs may not be covered unless you purchased a specific endorsement.

• What do I do if I have damaged property?

  • Make an inventory of damaged property. This inventory should be room-by-room, giving complete descriptions of the damaged property.

    The description should include brand names, model numbers, age, purchase price and place of purchase.

• What if our business is unable to continue operations?

  • Ask your personal claim representative about any coverages that may be available under your policy.

    If possible, do not enter into any long-term leases until you talk to your claim representative.

Have a question that you couldn't find here? Contact your American Family Insurance agent with your additional questions.

For claims related to a storms, see Storm Info.

Return to Claims FAQ's.