On Feb. 12, Harmanpreet Kaur got a call in the middle of the night from her business’s alarm company. The fire alarm was going off, but it wasn’t anything unusual.When she awoke the next morning, her landlord called, telling her worst nightmare had come true.
Since the fire, Kaur has been busy coordinating with contractors to get her Corydon Avenue business, Spa Botanica, ready to reopen. But it’s been a stressful — and expensive — process. “Co-insurance is essentially a cost-sharing arrangement that a person has if there is a decision or they’re not insuring to the full policy limit,” he said.He compares it to a prescription benefits plan:
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