As a business owner in Florida, it's crucial to understand how to protect your investment when disaster strikes. Whether it’s hurricane damage or water damage from a leak, knowing the steps to take after an incident can make all the difference in getting your business back on track. At Warner & Fitzmartin, we’re here to help you navigate this process and maximize your insurance recovery.

1. Understand Your Policy

The first step in maximizing your recovery is knowing the terms of your commercial insurance policy. Many business owners assume their insurance company will act in their best interest, but this isn't always the case. Review your policy carefully, so you know what coverage is available and any requirements you must meet after a loss.

2. Act Quickly After Damage

Once a loss occurs, time is of the essence. Getting professionals to inspect the damage right away is critical. The faster you assess the situation, the quicker you can plan repairs and minimize further disruption to your business. Delays in repairs could mean additional damage or lost revenue as customers may see the condition of your property and choose not to return.

3. Don’t Wait for the Insurance Company

Unfortunately, insurance companies often take months to respond or provide updates. We’ve seen claims linger for six months or more after a hurricane like Ian, leaving business owners in limbo. Don't wait for the insurance company to take action—hire professionals to start mitigation and repairs immediately.

4. Protect Your Income

Loss of income can be devastating for businesses, especially if operations are paused due to damage. By acting quickly and having a plan in place, you can keep your business running and protect your revenue.

If your business has suffered damage, call Warner & Fitzmartin at (561) 816-5983 or submit a form online to discuss your options. .

We’re here to help you recover quickly and fully.