One of the biggest mistakes you can make if you incur damage to your business premises is to wait too long before filing the claim with your insurer. The owners of a hotel in Dallas learned this the hard way when a U.S. Circuit Court of Appeals held that the business had waited too long to file a claim with its insurer after suffering hail damage. The court ruled that because the hotel had waited more than 19 months to file the claim, it was impossible for the insurer to ascertain exactly when the damage had occurred. The hotel's property…