Hotel or motel owners know all too well that guests don’t feel comfortable in a property without optimum services. After a natural disaster, hurricane, fire, flood, tornado, hail storm, or windstorm, hotel and motel owners want to submit commercial claims to their insurer, receive prompt payment of claims, and get back to business.
If any rooms in the hotel or motel were damaged in the aftermath of a severe weather event or another type of disaster, this fact automatically affects how many guests may be accommodated. Downtown for hotels and motels can have a significant impact on the bottom line, guest reviews (which last for an unlimited time period online), and vacation or business travel advanced bookings.
Any obvious damage or loss of function is meaningful to hotels and motels. It’s critical for the hotelier to satisfy occupancy demands:
Whether you own a single property or multiple properties affected by a major natural disaster, the first order of business is to advise the commercial insurer of the claim; submit the claim after obtaining reasonable estimates, and promptly receive an appropriate claims payment.
Of course, it’s unwise to wait for the claims payment to begin repairs. It’s your responsibility to mitigate the impact of the loss incident on your business’ health. However, if your commercial insurance claim is disputed, delayed, underpaid, or denied by hotel or motel commercial insurance carrier, it may be difficult to operate the property at a profit.
In addition to repairing physical structure damage to your motel or hotel property, a hurricane, tornado, or flood can create water and mold damage. This damage is likely to severely limit the owner’s ability to run the business.
Hotel and motel mold or water damages may also expose the owner to potential liability. If a guest becomes ill from short-term mold exposure and argues that the property was offered in a state of unrepaired damage, he or she may have a strong personal injury case against the owner.
It’s very important for the hotel or motel owner to receive the financial recovery he or she is entitled to receive from the commercial property insurance policy. The hotel or motel must be properly repaired and rebuilt before you invite guests to stay there.
Sadly, a commercial insurance company might attempt to avoid payment of valid claims by arguing:
Dealing with a bad faith commercial insurance company is overwhelming. If you’re faced with the need to repair your hotels and motels–and attempting to manage an insurance claim dispute–you need an experienced hotel and motel property insurance damage claims lawyer.
The Mindiola Law Firm in Houston has handled property damage claims of motels and hotels for many years. We’re here to help you receive the compensation your insurance company promised. If you own or operate hotels and motels, contact us now for assistance with your commercial insurance damage claims at .