Call Us 8444945487 Español ☰ ˟
Logo
phone icon

Let's Talk

(844) 494-5487

Español
  • HOME
  • Products
    • Auto
    • Homeowners
    • Business & CommercialImage of right arrow
      • Commercial Auto
      • General Liability
      • Workers Compensation
    • Life
    • Cyber Liability
    • Farm
    • Financial Services
    • Flood
    • General Liability
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Boat
  • GET A QUOTE
    • Automobile
    • Business & Commercial Image of right arrow
      • Commercial Auto Insurance Quote
      • Business Owners (BOP) Quote Form
      • Workers Compensation Quote
    • Cyber Liability
    • Farm
    • Financial Services
    • Flood
    • General Liability
    • Homeowners
    • Life
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Watercraft & Boat
  • BLOG
  • RESOURCES
    • Refer a Friend
    • Our Carriers
    • Frequently Asked Questions
    • Insurance Glossary
  • About Us
    • About Us
    • Our Locations
    • Employee Directory
    • Partners
    • Customer Testimonials
    • Privacy Policy
  • Contact
Auto and Home Icon

Auto

Receive the guidance of a local insurance agent with the convenience of an online Auto Insurance quote.

Quote Now Learn More
Business Icon

Home

Protecting your most valuable assets with the help of local agents

Quote Now Learn More
Life and Health Icon

Life

Find out which policy will help protect your family even after your gone.

Quote Now Learn More
RV and Boat Icon

Business

When it comes to your business, you need the best protection for the best price!

Quote Now Learn More
Home > Blog > How BOPs Cover Storm Damage
TUESDAY, MAY 3, 2022

How BOPs Cover Storm Damage

Your small business needs commercial insurance, which will protect it against any number of challenging, unexpected and costly losses. Small businesses usually qualify to get several of their most essential benefits as part of a business owners policy (BOP), and the included benefits usually includes property insurance. 
employees walking through office
A BOP’s property insurance will cover the business in the event of numerous perils, including damage done by severe storms. Because severe weather can cause unpredictable and expansive property damage, even in relatively minor situations, it’s essential for your property insurance to be there to help you cover your losses. 

Storm Damage and Property Insurance 

Severe weather is unpredictable, no matter how much advance warning you might have. After it’s over, you might find that your commercial property has experienced significant damage. Stock, machinery and furnishings might all be either destroyed or in need of significant repairs, and this might prove costly. 

Equipment damage due to a storm is not uncommon. For example:  

  • A lightning strike can cause an electrical surge through your business’s equipment. This can even start a fire.
  • Fires might also result from lightning strikes on the roof of the business.
  • High winds might damage the structure, allowing in debris and rainwater.
  • Hail might break windows, damage your roof or cause other significant damage. 


Still, the property insurance within your BOP will be there to help you when your equipment and other property sustain damage in a storm. However, it’s important to note that this coverage still has specific provisions. If the damage was due to wear and tear, or to poor maintenance, the policy may not help.  

Filing a Storm Damage Claim 
As soon as a storm is over and you have secured your property, contact your insurance company. Property damage claims generally skyrocket after storms strike certain areas, and the sooner you start your claim, the sooner you will get your business on the road to recovery. 

When you contact your agent, discuss the nature of the damage, and take photos to help support the claim. Do not clean up or try to make repairs unless your agent instructs you to do so. They might need to dispatch a claims adjuster to your location so that they can get a full picture of both the cause and the nature of the damage. 

Working with your agent, you can determine the value of repairs necessary, and your agent can tell you precisely what your policy will pay for these losses. There is a maximum payout that your plan will pay for any claim, and deductibles will usually apply to property damage claims. Your policy documents will explain these terms. 

Be sure your BOP always represents the value of your property assets. It can make a big difference in the long term when it comes to protecting your business operations. 


Contact Wilgus Insurance Agency today or visit one of our locations below!

Salisbury
1203 Pemberton Dr. Salisbury, MD 21801

Millsboro
400 Delaware Ave 103 Millsboro , DE 19966

Delmar
10977 State St. 1 Delmar, DE 19940

Seaford
22937 Sussex Hwy. Seaford, DE 19973

Raleigh
W Martin St Raleigh, NC 27603

Posted 6:07 PM

Tags: business insurance, business owners policy, bop
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020

  • insurance(6)
  • coverage(6)
  • policy(3)
  • auto insurance(3)
  • bop(3)
  • business(3)
  • homeowners(2)
  • flood insurance(2)
  • commercial(2)
  • business owners policy(2)
  • home insurance(2)
  • liability(1)
  • life(1)
  • credit(1)
  • premiums(1)
  • owners(1)
  • rates(1)
  • boat(1)
  • terms(1)
  • life insurance(1)
  • damage(1)
  • restorative(1)
  • cyber(1)
  • high value home insurance(1)
  • cyber security(1)
  • car(1)
  • cyber insurance(1)
  • security(1)
  • cyber liability(1)
  • water(1)
  • small(1)
  • projects(1)
  • flood(1)
  • costs(1)
  • business insurance(1)
  • watercraft(1)
  • contents(1)
  • auto(1)
  • score(1)

View Mobile Version

Contact Us Today!
844-494-5487

Social Social Social Social Social Social

Resources

Get a Quote
Payment / Claims
About Us
Refer A Friend
Our Carriers
Blog
Contact Us

Locations

Salisbury

1203 Pemberton Dr.
Salisbury, MD 21801

Ph: (410) 742-8240

Millsboro

400 Delaware Ave 103
Millsboro , DE 19966

Ph: (302) 934-1502

Delmar

10977 State St. 1
Delmar, DE 19940

Ph: (302) 846-3113

Seaford

22937 Sussex Hwy.
Seaford, DE 19973

Ph: (302) 629-5140

Raleigh

Raleigh, NC 27603
Ph: (410) 742-8240
© Copyright. All rights reserved. | Powered by Insurance Website Builder