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Fire & Water - Cleanup & Restoration

Your Business Is More Than Property, Equipment and Furnishings

1/17/2019 (Permalink)

No size loss is too large for our SERVPRO of Brazos Valley team to handle

Yesterday, you had a thriving business in Bryan, TX. A fire brought that to a screeching halt, leaving you with extensive fire and water damage. Property insurance will restore your building, equipment and other assets but you won’t reopen anytime soon. Without revenue and customers, the company’s survival is in jeopardy.

It is at this moment that your interruption insurance comes into play. It may help you pay for the following:

  • Taxes
  • Rent and lease payments
  • Loan payments
  • Wages for key employees
  • Training costs for replacement employees
  • Temporary relocation to a new location, if practical
  • Association fees and dues
  • Continued advertising
  • Lost profits

Not Every Business Interruption Triggers an Insurance Claim


You cannot purchase commercial interruption insurance without first having a property damage policy. The two are linked. If you have a property damage event that is not covered by your insurance, there won’t be interruption compensation.

Additionally, interruption payments will not be triggered if your closure is considered partial. Only a complete shutdown qualifies.

Your Policy Tells You When the Interruption Ends
From an insurance perspective, the interruption most likely ends when you reopen for business. Your next big challenge is to bring back your customers.

If you offer terrific products and services, it’s easy to have faithful customers. However, customers are also creatures of habit. If they are in the habit of frequenting your establishment, and you suddenly shut down, they will likely get in the habit of frequenting someone else’s establishment.
Your number one goal during the shutdown is to make sure that your customers know you are coming back. Advertising is an excellent way to accomplish this. Also, remember that grand reopening sales are always a good idea in the world of retail.

A Speedy Fire Restoration Keeps the Interruption Period Short
A short interruption insurance period is good for business. The best way to accomplish this is to bring in the best insurance-approved fire damage remediation firm to handle your restoration. You want to reopen quickly.

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