- BurglaryProtect vital business records: Keep your most important documents in a safe that has been tested and listed by UL (Underwriters Laboratories) as being resistant to fire, heat, burglary tools and torches.
- Construction LitigationVERY IMPORTANT: If possible, be present when the insurer’s adjuster inspects the damage. Take detailed notes. GET THE ADJUSTER’S LICENSE NUMBER AND ALL CONTACT INFORMATION. DO NOT ACCEPT “800 HURRICANE” OR SOMETHING SIMILAR AS THEIR ONLY CONTACT NUMBER. ASK FOR A LOCAL NUMBER, A FAX NUMBER, AN EMAIL ADDRESS AND THE PHYSICAL ADDRESS OF THEIR OFFICE. They are working in your town and they do have local contact information despite what some may tell you. Verify if your adjuster has a temporary “emergency” license or an established permanent license to adjust insurance claims. Some insurer’s send adjusters into the field with an “emergency” license after only three days of software training and virtually no training for construction issues. Beware of “emergency” adjusters. If the insurance adjuster handling your claim does not provide a valid license for the state in which they are working, immediately contact the department of insurance in your state.