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Businessowners Claim Tips

Q.	Can I receive the cash instead of replacing damaged items?
A.	Not generally. Most policies require that the item actually be repaired or replaced in order to receive the replacement cost settlement. In most cases, the adjuster will provide an advance based on the depreciated value of the items then pay the difference upon presentation of evidence that the items were replaced.
Q.	Can I use the contractor I prefer for repairs?
A.	When your business is damaged, the adjuster often inspects the damage and provides a check for his or her estimate of the repairs. If your preferred contractor is unwilling to do the work for the amount allowed by the adjuster, have your contractor contact the adjuster. Often, the differences can be resolved resulting in the insurance company agreeing to your contractor's price. If your contractor is unwilling to work with the adjuster, beware--this may be a sign of overcharging. If you proceed with the work without the adjuster's approval, you could end up paying the difference out of your pocket.
Q.	Can I order emergency repairs/cleanup without the adjusters approval?
A.	Yes. You have a responsibility to protect the covered property from further damage so you can and should order emergency cleanup or repairs. This includes boarding up broken windows, covering openings in the roof, and cleaning up water damage. Of course, the cause of the damage has to be covered by the insurance for it to be paid.
Q.	If an employee is injured, can they go to any doctor or clinic?
A.	This question arises because of the existence of disreputable doctors and clinics who systematically over-prescribe treatments when they know they are being paid for by workers compensation. Fortunately, such clinics are a small minority and most states do not allow you to dictate where an employee can receive treatment. What you can do is to suggest a doctor or clinic that you know to be preferred by your insurance company or otherwise reputable. But you should not put undue pressure on the employee to use a preferred health care provider for a workers compensation injury. Be sure to report the claim promptly to your insurance company.

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