If your business has recently been burglarized you should consider getting legal support. It is important that you know where you stand legally, and that you understand your rights. A break-in can involve a lot more than filing an insurance claim. Learn how you can benefit from getting legal support after a burglary.
Many business owners have no idea what they should do after their business has been burglarized, besides calling the police. Of course, calling the authorities should be the first thing you do after you realize there has been a break-in, but what do you do next? Do you start calling people in to make repairs? You should get some legal advice.
Speaking with someone that is familiar with the process of commercial burglary can help you to take the next right steps. You absolutely should call the police as soon as you realize something has happened. You also should not touch anything until the police arrive and get their report. You should make preliminary contact with the insurance company. Then you need to get legal advice.
Dealing with insurance companies is something you should never do blindly. That means before you get back on the phone with the insurance company, know your rights. Insurance companies are for-profit businesses. It is not to say that insurance adjusters do not do their job, they do, but you should always keep in mind that the insurance adjusters work for the insurance company. The primary objective of any employee is to do what benefits the business they work for.
Negotiating with an insurance company to cover the losses of burglary without legal advice could shortchange your business. Legal advice can really come in handy when you have to deal with an insurance adjuster. HVAC system theft can often be seen occuring in businesses, so be sure to inquire whether this type of equipment will be covered. According to Comfy Living, the worldwide market size of HVAC systems was $240.8 billion in 2019, so it is important to have a plan in place to protect this costly part of your building.
The FBI’s UCR Program said recently that 95% of burglars use forceful entry. Forceful entry means that your property is physically damaged in the process. While there may be evidence that someone broke out a window or kicked in a door, the question that may arise is, did you do all you could to prevent a break-in.
Insurance companies look for a reason to deny claims. If your business is located in a high-crime area and you did not take the precautions that the insurance company deems right, you may be facing a legal battle to get them to pay up. Many small business owners believe that if they pay their business insurance premiums every month, then they will be okay. The fact is that insurance companies will often “fight” to pay a claim and use the owner’s negligence as an excuse. You need legal advice to protect yourself. It is important that you know what your rights are and how to fight back against unfounded claims.
The Texas Department of Public Safety recently released some astounding 2019 statistics about crime in the state of Texas. There were 805,879 crime incidents that were reported statewide, 685,371 of those crimes were property thefts, and 120,508 were listed as violent crimes. That is almost 1 million incidents of crime in one state. Unfortunately, the odds that your business will be broken into can be high no matter where your business is located. Being prepared for anything is the best way to protect your business. Having the right support after your business has been victimized is essential.
Ideally, you will have someone on your team that you can depend on to provide you with legal advice for your business before your business is burglarized, but it is never too late to get the help that you need. If your business has been burglarized, don’t move forward without speaking to an attorney. Protect yourself and your business.