Checklists for Property Damage and Business Interruption Claims

This document is a checklist guide prepared by the Insurance Coverage Litigation Committee of the American Bar Association, focusing on property damage and business interruption claims, particularly in the aftermath of Hurricane Harvey. It outlines essential steps and documentation needed for filing claims under property insurance policies, including the gathering of insurance records, notifying the insurance company, and preparing a Proof of Loss. The checklist emphasizes the importance of understanding the specific provisions and limitations of individual insurance policies, as these can vary significantly. Additionally, it provides a separate checklist for business interruption insurance claims, detailing procedures for documenting lost income and extra expenses incurred due to business disruptions. The guidelines aim to educate policyholders about the claims process and facilitate a smoother interaction with insurance companies, while also advising that these checklists are not exhaustive and do not replace professional legal advice.