This is going out to all of the small businesses that were affected by the riots. Going to lay out step-by-step how to properly look into your insurance coverage, which hopefully covers riots, fire and civil unrest.

Lets begin.

#MinneapolisRiot

1) First thing you need to do is pull your insurance documentation. Your standard policy doc should have directions for what you're going to need to do regarding your policy. If you were smart, you'll have it stored in a safe and easy to memorize place. If not, you better find it

And that's all I have to say about this.

If anyone wants to add any useful information, feel free to. Though for anyone who IS looking to file a claim. I'd strongly suggest reaching out to an attorney well-versed in insurance claims for a consultation.

Don't give a shit about any potential likes, though retweets are always appreciated.

Wanna make sure this gets to the people that need it most.

Different polices are going to contain different languages. Some may cover theft, but not cover arson. Some may cover arson, but not cover theft. Most if not all policies have a clause that explicitly states the policy holder needs to notify the insurance company within X amount*

of time in the event of a loss. So get to it ASAP.

2) Document and log everything. Take pictures of the destruction to show the degree of loss. You're going to want to pull your credit card statements to show purchases to inventory. Pay roll records if you have employees.*

Video surv of the destruction if anything survived. Anything you think you think that will help your case, do it... and then do extra. When my uncle's business went to shit due to flooding, he took photos, blew them up to high resolution and marked everything with a sharpie.

3) File a g'damn police report. Some of you may be for this, and some of you may be against it with the current state of things going on, but when you're inevitably arguing about the losses your sustained at some point in the future, it's a good corroboration to have.

4) Pull SEVERAL years of income. With the economic stress caused by COVID-19, it's created a hurdle when it comes to claims. Many policies use only the recent months (6 months) to calculate what payments should be regarding lost income, and to an extent, damages.*

So with that said, I strongly advise pulling at least 7 years of income at MINIMUM to show what your business was like pre Covid-19. It'll show what your income levels actually were when times were stable, and you can use that as a foundation.

A majority of this also applies to any buildings that are adjacent to businesses that were looted, ransacked and/or set on fire. If you own a home, or have a business that was within close proximity to a business that was ransacked, but was left untouched...inspect it anyway.