A franchisee contacts HKMB HUB International's Claims Team to advise that the glass door for their restaurant has shattered. They are not sure how the incident occurred. We advise the franchisee to take immediate steps to prevent any further losses and ask to review their lease agreement. Review of the lease agreement identifies that the landlord is responsible for damage to the door. We direct franchisee to take the matter up with the landlord.
Outcome:
- Landlord repairs the door
- No claim under the franchise program insurance policy
- No deductible for the franchisee to pay
- Incident does not affect the cost of future insurance
