How do I keep track of non-restorable items?
We recommend you make a list of items (including food items) deemed non-restorable. You can obtain a form for this purpose from your insurance company. Make a copy for your insurance company and keep one for yourself.
What is a code or by-law upgrade?
A code or by-law upgrade is an upgrade that is made when your commercial property’s pre-loss condition no longer meets legal building codes. Your insurance company may recognize code upgrades in the estimation process. Any questions regarding code upgrades should be directed to your Insurance Adjuster.
Common Causes of Basement Flooding
Since basements are built partially if not fully below ground, they’re prone to flooding. For that reason, a basement flood may occur not only during the rainy season and the spring thaw but at any time of year, even when the conditions are