What do you do…?
First thing Monday morning you receive that phone call from the “frantic” customer!

“Your coffee machine sprung a leak over the weekend and not only did the flood cause damage to our office, but the business beneath us is flooded as well!”

Over the years, Holiday House Distributing & Kool Tek have been faced with these issues as well. In the past we just took the information, gave it to our insurance company and just let things play out. Or worse, you just sent your customer a check to resolve the issue, and then figure it out with your insurance company later. We have seen this many times. By the time the insurance company gets all of the information they require the “Statue of Limitations” is over, leaving your company with a claim that cannot be settled and you are out hundreds and sometimes thousands of dollars.

We have realized that this is not the best thing to do for your company or your customers. There must be specific guidelines in place so that these issues can be resolved and handled in a timely manner with your insurance carrier. After all, this is what you pay those monthly premiums for! Nobody wants to deal with issues from litigation for a claim that could have been resolved with just a little communication with the claimant and the insurance adjusters.

We have been working with our Insurance Company and set up procedures that have helped us cut down on Insurance Claims, which cuts down on payouts by our insurance company therefore cutting back on our insurance rates. The following procedures have been set in place by Holiday House Distributing and Kool Tek and hopefully this can help your company devise a system that you can benefit from as well.


Holiday House Distributing and Kool Tek have always strived to be “NUMBER ONE” in customer service. We hope this information gives you some insight on how to handle insurance issues in our industry. It has worked for us and hopefully these guidelines can help your company as well.

Thank you,
HHD Risk Management