FERGUSON, Mo. – The state of Missouri is stepping in to help Ferguson business owners who sustained damage during unrest in the city.
The Missouri Department of Insurance will send representatives to the town Wednesday to help answer questions or make sure owners are on the right track toward recovery.
Following the fatal shooting of 18-year-old Michael Brown in Ferguson August 9, protests at times turned to an outbreak of violence that lead to the damaging of several businesses.
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The department also offers a number of tips for affected businesses such as:
- Contact your insurance agent's or company's toll-free claims number as soon as possible.
- If you have lost your company's contact information, the department may be able to help you locate it. Contact the department at insurance.mo.gov or by calling 800-726-7390.
- If your business suffered physical damage, make temporary repairs to prevent further damage. For example, a broken window should be boarded up to keep out rain. Otherwise, further damage will likely not be covered by your insurance policy. Keep the receipts for materials you buy so you can be reimbursed.
- If your business suffered a financial loss because it was forced to close, ask if your policy includes business income coverage.
- If you file a business income claim, you will need business records to prove the amount of your financial loss.
- If you believe your insurance company has not handled your claim properly, file a complaint with the department. The department will determine whether your insurance company has followed Missouri law in processing your claim.
If you would like an appointment or have questions for the state department, you can reach them at 800-726-7390 or on their website.