In recent months, Pennsylvania businesses have been reeling from setbacks caused by the emergence of COVID-19 and the subsequent shutdown orders from the Commonwealth of Pennsylvania. Now that businesses have been getting ready to safely reopen under modified circumstances, some are dealt another blow in the form of vandalism stemming from civil unrest after the death of George Floyd in Minneapolis. Those businesses may now have some guidance on filing claims against their business insurance for damage suffered during the unrest.
Jessica Altman, Insurance Commissioner for the Commonwealth, issued guidelines on June 9, 2020 to aid businesses in navigating the sometimes-murky waters of insurance claims and coverage. Her main suggestions? Review coverage and file a claim immediately.
"Damages caused by looting, vandalism or riots, can be overwhelming and stressful, especially during this financially stressful time when so many businesses have been closed due to COVID-19. Businesses with damage should review their policies and file claims immediately."
Business owners would be wise to meet with their agents and/or carriers to discuss what damages their specific policies may cover and any exclusions or limitations within the policy that may apply. Commissioner Altman has also encouraged business owners affected to reach out to the state Insurance Department if they have any questions regarding their insurance and how it relates to COVID-19 or damage from civil unrest. The number for the Insurance Department is (877) 881-6388.
If your business has been damaged, Burke Cromer Cremonese may be able to help you recover. Our attorneys can be reached at (412) 904-3360.