Coping With Disaster

An unexpected disaster can hit any store at any time, disrupting business and creating unique recovery problems. Here's the story of what happened to two jewelers, along with advice from experts at Jewelers' Security Alliance and Jewelers Mutual Insurance on preparing for—and recovering from—a disaster. "Fire!" The call came at 3:30 a.m. on Sunday, Dec. 13, 1998. Awakened from sleep, W. Carl Moore, owner of William Moore Jewelers in Greeley, Colo., heard a voice on the phone shout, "There's a fire in your building!" Moore rushed to the scene: a block-long two-story building, opposite the county courthouse, where his street-level business was in the middle of several stores. The fire—later found to be arson—had already destroyed stores at one end. The fire didn't reach Moore's store, but its acrid smoke did. Racing through empty space above the first-floor ceilings until it hit

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