The Challenge
Owning a hotel means juggling countless daily responsibilities, but one catastrophic event can instantly threaten your entire operation and financial stability.
The Crisis: Winter Storm
A historic winter storm brought record-breaking cold to the central United States. Temperatures plummeted well below 0°F for several days, with the most dangerous drops hitting December 23-25.
Even well-maintained, properly heated buildings couldn’t withstand the extreme cold.
What happened to our client:
- Pipes in the lobby ceiling (near the front entrance) froze solid
- Days later, when temperatures rose, the pipes burst
- The entire hotel lobby flooded with water
- Operations were at risk
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The Response: Why Having the Right Partner Matters
The hotel owner was fortunately on-site and took immediate action:
Step 1: Shut off water to the affected area
Step 2: Called his American Heritage Insurance Group agent
What happened next made all the difference:
Within 1 hour: His agent arrived on-site to assess the situation and help get the claim started
Within a few hours: A restoration company was on-site removing water and securing the lobby so the hotel could continue operations
The Outcome: Complete Protection
Thanks to commercial property coverage:
✓ Broken water pipes fully repaired
✓ All water damage fully remediated
✓ Lobby completely restored to pre-loss condition
✓ $0 in lost revenue—hotel maintained operations
The Bottom Line
When disaster strikes, you need more than just an insurance policy—you need a partner who responds immediately and advocates for your business throughout the claims process.
Don’t Face Major Loss Alone
Contact our Hotel/Motel Insurance Team at American Heritage Insurance Group today for a comprehensive policy assessment. Ensure your property has both the insurance coverage and the personalized service your business deserves.