Companies in states like Florida should have disaster plans that can help them prepare for a hurricane. Being proactive can mean the difference between a minor loss and a one that bankrupts a business. Ideally, every employee will know what the plan is and their role if a disaster strikes. It also is important that a plan is flexible enough to account for what is actually happening in a given scenario.

There is also a chance that state laws could require businesses to take certain actions in the wake of a storm. For instance, gas stations in Florida are required to have generators so that they can be available to customers even if the power is out. Companies may want to allow employees to work remotely or have computers available in multiple locations if the main office is damaged or destroyed.

However, business owners are encouraged to act as if they don't have insurance in the aftermath of a storm. This may mean attempting to drain excess water or otherwise get systems working again as quickly as possible. Sometimes the best course of action may be to simply board up a building in an effort to keep the damage to a minimum. Of course, those who have insurance should submit their business owners' insurance claims right away.

Companies that sustain water damage to a building or computer room may be entitled to receive compensation from their insurance provider. However, it may be a good idea to review a policy prior to submitting a water damage claim to ensure that the provider is required to approve it. If a claim is denied, an attorney may be able to review the denial. A lawyer may recommend appealing the claim or filing a lawsuit.

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