A Business Owner’s Guide to Filing a Claim

When your business suffers fire or storm damage, the aftermath can feel overwhelming. Between physical destruction, operational downtime, and financial uncertainty, knowing what steps to take can make all the difference. The first priority is safety—once the danger has passed, secure your property to prevent further damage. Then, notify your insurance carrier immediately, but avoid making recorded statements until you've consulted with a licensed public adjuster.

Documentation is key. Take thorough photos and videos, create a detailed inventory of lost or damaged property, and keep all receipts and repair estimates. Request a certified copy of your full insurance policy so that we may assess your coverage and advocate for the maximum payout. If your operations are interrupted, business interruption coverage may help recover lost income—but proving those losses requires careful financial documentation.

It’s also important to get your own damage estimates from qualified contractors, not just the ones the insurer sends. Insurance company adjusters are looking out for their bottom line—not yours. A public adjuster will represent you during inspections, negotiations, and the entire claims process to ensure nothing is overlooked or undervalued.

At Marshall Adjusting Group, we help businesses navigate this process every day. From structural damage to lost revenue, we handle every detail so you can focus on getting your business back on track.

If your business has experienced damage, contact Marshall Adjusting Group for expert help with your insurance claim.

Disclaimer: This article is for informational purposes only and does not constitute legal, financial, or insurance advice. Always consult a qualified professional regarding your specific situation.