Being prepared for a property loss is critical to minimizing the total cost of a large loss and its impact on future premiums. A major property loss is rare, but most insureds do have losses. Since handling a loss is not a normal part of your daily routine, it can raise many questions and potential problems. Remember that the first hours after a loss are crucial. During that time, management will have to make decisions that can dramatically affect operations. Some of these decisions can and should be made before the loss.

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