We insure a retail operation under a standard commercial property policy  with business income and extra expense coverage. Our insured suffered a windstorm loss at his store. All of the inventory (stock) at the store was damaged.

The insurer has settled for the direct damage to the inventory. They have also arranged for sale of the salvage.

However, the store now has to be restocked. This involves about a two to four week process of unloading trucks, setting up the merchandise, including some decorating and displays. In other words, a lot of labor dollars must be spent on paying temporary help.

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