• If you or others are facing immediate danger, please call 911.
• Determine whether you have access to your space, assess any damage and consider the following:
• Will you be able to conduct business in the near-term?
• Are your employees impacted and/or can they can travel to the work site?
• What insurance do you have, and do you have access to the records needed to file a claim? 
• Carefully review the post-loss insurance tips below

• Immediately contact your insurance company or broker/agent.
• Carefully read your insurance policy to understand what losses are covered.
• Take photographs or a video of the damaged areas and assets to help with your claim.
• Don’t remove any damaged property until the insurance adjuster has assessed the damage and made an official report.
• Make only those repairs necessary to prevent any further damage; if you make permanent repairs unauthorized by the insurance company, they may not be covered.
• Keep all receipts for repairs and temporary business expenses.
• To help establish the value of your claim, prepare a detailed inventory of all damaged or destroyed property (item, quantity, date of purchase, cost at purchase, age, and estimated replacement cost), along with your pre-loss photographs.
• Accompany the adjuster to point out damage during the inspection.
• If the settlement offered by the insurance company seems unfair, contact the New York State Insurance Department by visiting www.dfs.ny.gov.
• If the insurance company denies any part of your claim, get the denial in writing, and keep copies.
• Always contact your insurance company and claims adjuster any time you find additional damage not previously reported.