Onassis operates a retail store in Kitchener building that she also owns. Unfortunately, a fire that started in a tenant’s upstairs unit caused extensive damage to Onassis’ store. She will be required to remove her store to a temporary location and get rid of certain stock that is not salvageable due to water and smoke damage. Even before she can do that she’ll likely have to shut down for a few weeks. she had 500,000 in coverage under one potentially applicable policy but it appears that the losses from both the building and the business will exceed that. The building losses are going to be about 600,000 and she’s not sure how much the business-related losses will be. Advise Onassis how insurance may respond to this and what she must keep in mind as she proceeds.
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