How are you paid? Who gets the check? Do you need to replace items immediately? After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here's what you need to know about claims payments.

Four out of 10 small businesses are likely to experience a property or general liability claim in the next 10 years. Check out these top 10 business claim situations and then determine if it's time to review and perhaps update your coverage.