If a commercial property suffers insured damage, notify Webber Insurance or the insurer as soon as practical.

What should I do first? #

Where it is safe to do so:

• Protect people from immediate danger.
• Contact emergency services where required.
• Take reasonable steps to prevent further damage.
• Secure the property.
• Take photographs.
• Preserve damaged property where practical.

Emergency repairs can sometimes be necessary to make the premises safe.

What information may be required? #

Depending on the claim:

• Date and time of loss.
• Description of what happened.
• Photographs or video.
• Police report details where relevant.
• Repair quotations.
• Building plans.
• Property valuation.
• Tenant information.
• Lease details.
• Rental records where Loss of Rent is claimed.

Can I start permanent repairs immediately? #

Emergency work may be necessary.

For substantial permanent repairs, allow the insurer an opportunity to assess the damage before committing to major costs where practical.

The insurer may appoint:

• Loss adjusters.
• Builders.
• Engineers.
• Other specialists.

What if the tenant cannot occupy the premises? #

Tell Webber Insurance.

If the policy includes Loss of Rent or Business Interruption cover, rental income losses may also need to be documented.

Keep records of:

• Rent normally payable.
• Rent actually received.
• Lease obligations.
• Outgoings.
• Communications with tenants.

Should damaged property be thrown away? #

Avoid disposing of significant damaged items before the insurer has had an opportunity to assess them unless disposal is required for safety or to prevent further loss.