The CDA is devastated to know of the fires that engulfed the Superior and Louisville areas on Dec. 30. Our deepest sympathies to those who were impacted directly by this emergency. We sincerely hope that our dental community is safe, as well as its family members, friends and dental teams.
We are happy to assist dentists in connecting with their insurance providers or contacting nearby dental providers to help care for patients if needed.
This information is provided by COPIC Financial Service Group and would apply to businesses and homes.
If a practice has not been affected but is in a mandatory evacuation area there could be some business interruption coverage after a required number of hours, depending on the policy.
Contact your insurance company or agent as soon as possible. They can review your policy with you and talk you through the steps you need to take to submit your claim. After your claim is reported, your insurance company will send an adjuster to assess the damage.
Follow these tips to prepare for the adjuster and ensure the claims process goes as smoothly as possible:
- Take photos of the damage: Before the adjuster visits, make sure to thoroughly photograph or record a video of the property.
- Compile necessary business records: To properly file your claim, you will need to collect any relevant business documents to prove the value of the damaged property. This includes proof of income generated from the business, inventory records, receipts that show the cost of any damaged equipment. If you have it, also provide any records that might help prove the cost of the structures that were damaged.
- Keep records of repair and out-of-pocket expenses: After the adjuster has visited, you should continue to keep track of any costs incurred to repair the property. This includes any additional costs to protect the property from future damage.
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