Municipalities are integral parts of communities and can include a gamut of properties, including:
• school districts
• fire departments
• sanitary sewer buildings
• composting plants
• public transportation buildings
• public libraries
• health departments
• public parks
• water resource management facilities
• police departments
• courts
• town recreation departments
• administrative offices | • marine ports
• golf country clubs/driving ranges
• recreation centers
• media labs
• nature centers
• playgrounds
• basketball courts
• beach facilities
• marinas
• ice skating rinks
• skate parks
• tennis courts
• Wi-Fi parks |
At the core of any municipality is serving its people and as you can see from the expansive amount of real-estate occupied by municipalities, when faced with property damage from perils such as a flood, fire, frozen pipes, water damage, construction damage, hurricane, or other weather-related perils, maintaining operations is key. United’s experience with complex construction and real-estate knowledge allows us to quickly build a claim in your favor, to attain crucial funds to rebuild.
An unexpected financial hit to your buildings can put your operations at risk as various business personal property can be damaged by a property disaster. For example:
- IT – computers, tablets, printers, projectors, desks, media equipment
- kitchens- ovens, microwaves, refrigerators, walk-in freezers, ingredient inventory
- pool maintenance products and equipment
- gym exercise equipment
- sports flooring, sports equipment, uniforms, and maintenance equipment
- musical instruments
So, what happens if a municipality’s operations become affected by a property disaster? Often, while State and Local Government staff manage the initial chaos of ensuring safety and stability and distributing communication so that everyone is informed, the business interruption and extra expense insurance claim becomes a second priority. This tradeoff often delays access to crucial insurance funds to keep the operations running. In addition, a lack of experience in handling complex claims increases the probability of the cost to fix the damage to become transferred on to taxpayers.
