Report it, protect the property from further damage, and document before you clear anything. The duty to mitigate is in the policy, and reasonable emergency repairs are usually recoverable, so keep every receipt. Photograph and inventory before disposal, since an adjuster cannot inspect what is already in a dumpster. Keep a log of downtime, because that feeds the business income claim. California’s fair claims settlement regulations give the insurer 40 days after receiving proof of claim to accept or deny it in whole or in part. Current as of August 2026.
Related FAQs
It depends on your goals and budget. We recommend you review the tradeoffs with us so there are no surprises at claim time.
Typically your business personal property and any improvements you paid for, since your landlord usually insures the building. We help confirm this against your lease.
It may help replace lost income and cover ongoing expenses while you recover from a covered loss.
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