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Riots can cause widespread destruction to both homes and businesses. If you've been affected by recent unrest, you might be feeling overwhelmed. This blog post outlines the steps you can take to recover from the damage and seek compensation.
Document the Damage
The first crucial step is to document the damage to your property.
Take photographs: Capture images of the damage from all angles.
Keep records: Maintain a detailed record of all losses, including receipts for damaged items.
These records will be essential when dealing with your insurer or making a claim under the Riot Compensation Act.
Report the Crime
Even if you've already reported the incident, it's important to obtain a crime reference number from the police. This number will be required for insurance claims and potential compensation claims.
Contact Your Insurer
If you have insurance, your first port of call should be your insurer
.
Motor insurance: For car damage.
Buildings insurance: For damage to your home.
Commercial insurance: For business premises damage and business interruption.
Most commercial insurance policies cover damage to the premises and business interruption. However, it's essential to check the specifics of your policy.
Claim Under the Riot Compensation Act
If you don't have insurance or your insurance claim is rejected, you may be eligible for compensation under the Riot Compensation Act 2016.
Contact the police: Notify the relevant police authority of your intention to claim.
Complete the claim form: Submit the formal claim form within 42 days. Extensions can be granted in exceptional circumstances.
Note: The Riot Compensation Act does not cover business interruption losses.
Business Interruption Insurance
While the Riot Compensation Act doesn't cover business interruption, some commercial insurance policies do. If your business has been affected but your premises were undamaged, you might be able to claim under your business interruption insurance.
Seek Support
Riots can be a traumatic experience. Don't hesitate to seek support from friends, family, or mental health professionals.
For further support and guidance on this process, consider contacting Law Clinic.
Remember: This is a difficult time, but taking these steps can help you recover from the financial and emotional impact of the riot.
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