09/16/2026
A commercial property loss can come without warning. Whether a fire breaks out overnight, a storm damages the roof or a pipe bursts and floods the building, the hours immediately following a loss have an outsized effect on the outcome of any insurance claim. Missteps during this period, including premature cleanup, delayed notice and poor documentation, can slow settlements, reduce payouts or, in some cases, jeopardize coverage altogether. We’ve provided business owners with a clear action plan for the first 24 hours after a commercial property loss.