Wildfires in Oklahoma can cause sudden and severe damage to businesses. Beyond the physical destruction, the financial impact of lost income, repairs, and recovery can be overwhelming. If you have business insurance, your policy may provide crucial coverage for wildfire-related losses, but only if you properly document the damage and losses when filing your claim.
At Red Dirt Legal, we understand how stressful insurance disputes can be, especially when insurers delay or deny rightful claims. Knowing how to document your wildfire damage effectively can protect your business and improve your chances of getting the compensation you need.
Why Proper Documentation Matters
Insurance companies rely heavily on documentation to verify claims. When you file a business insurance claim after wildfire damage, you’re essentially asking your insurer to trust your records and evidence. Without thorough documentation, insurers might:
- Delay your claim to wear you down
- Underestimate the extent of your losses
- Deny or underpay your claim based on lack of proof
By documenting carefully and accurately, you give yourself the strongest possible case to recover your losses and fight unfair tactics.
Key Steps to Document Wildfire Damage
Here are essential steps to take immediately after wildfire damage to your Oklahoma business:
1. Notify Your Insurance Company Promptly
Contact your insurer as soon as possible to report the wildfire damage and start the claims process. Delays can jeopardize your coverage. Be sure to follow any specific instructions in your policy about how and when to notify.
2. Take Photos and Videos of All Damage
Before making any repairs, photograph and video every aspect of the damage—inside and outside your building. Capture charred structures, burned inventory, damaged equipment, and any signs of smoke or water damage. Make sure your images clearly show the severity of the loss.
3. Preserve Damaged Property
Unless it’s unsafe, keep damaged property intact for inspection by your insurance adjuster. Don’t throw away items until you have documented them thoroughly. If you must dispose of anything for safety reasons, photograph and list it first.
4. Make a Detailed Inventory
Create a comprehensive list of all damaged or destroyed items. Include quantities, descriptions, original purchase prices, and approximate current values. Receipts and purchase records can help support your claims.
5. Document Business Interruption Losses
Wildfires can force businesses to close temporarily, resulting in lost income. Keep records of daily sales, invoices, payroll, and fixed expenses like rent and utilities during the closure. These documents help prove your lost profits for business interruption claims.
6. Keep All Communication with Your Insurer
Save copies of emails, letters, and notes from phone calls with your insurance company. Document every conversation’s date, time, and summary. This record can help if your insurer delays payment or changes their position later.
Common Mistakes That Hurt Oklahoma Wildfire Claims
Even with the best intentions, business owners sometimes make errors that weaken their insurance claims:
- Failing to report damage quickly enough
- Beginning repairs without documenting damage
- Discarding damaged property before inspection
- Not keeping receipts or proof of value
- Underestimating or forgetting ongoing expenses
Avoiding these mistakes will strengthen your claim and reduce the chance of disputes.
What To Do If Your Insurance Claim Is Delayed or Denied
Wildfire damage claims can be complicated, and insurers sometimes use delay tactics or deny claims unfairly. If your claim is taking too long or you’ve received a denial, don’t give up.
You have rights, and Red Dirt Legal’s insurance dispute lawyers are ready to help you navigate the process. We can review your policy, assess your claim, and fight to make sure your insurer meets their legal obligations.
How Red Dirt Legal Supports Oklahoma Businesses After Wildfires
At Red Dirt Legal, we know Oklahoma business owners face an uphill battle against insurance companies after wildfire damage. Our team combines deep insurance law knowledge with a commitment to stand with you every step of the way.
We help clients by:
- Analyzing policies and claims to identify coverage
- Gathering and organizing necessary documentation
- Negotiating with insurers to maximize claim value
- Taking legal action if insurers act in bad faith
Protect Your Business with the Right Support
Wildfires disrupt more than just your property; they disrupt your livelihood. Properly documenting your damage and losses is the foundation for a successful insurance claim and financial recovery.
If you’re facing challenges with your Oklahoma wildfire insurance claim, contact Red Dirt Legal today for a free consultation. We’re here to help you fight back and get the compensation your business deserves.
