Public Adjusters for Commercial Hail Damage
Hail causes an average of nearly $1.3 billion in property damage each year, plus tens of millions of dollars in crop damage.
Usually, the most costly hail damage occurs on the roof of your building, but depending on the type of roof, the extent of the property damage can go undetected or be difficult to measure. If not identified and dealt with promptly, subsequent damage can occur later, such as water damage and potential structural damages extending from that.
Hail damage can also impact windows, doors, air conditioning units, landscaping, and vehicles. Our public adjusters understand the full scope of the hail damage and will work with you to evaluate and document your property damage in detail to negotiate a claim with your insurance company that will get you what your business needs in order to recover.
What To Focus On After Hail Damage
What is my agent/broker’s role? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
The insurance company hired a construction estimator. What do I need to know?
Loss of Appearance allowances. Are they covered?
Why is a claim strategy so important?
Am I impacted by coinsurance?
Prompt inspection and documentation by YOUR experts is key.
How is hail damage determined/identified?
Can there be damage to the roof without any visible damage?
Air conditioning units: repair vs. replacement. Can repaired units have the same efficiency?
Chipped roof tiles. Do they need to be replaced?
Value engineering a different roof covering vs. paying for what was actually damaged. Is that a good strategy?
Do you have to accept a settlement that leaves you with dented property?
Exterior paint. Requirements/protocols regarding matching all sides.
Is there coinsurance in your policy? Properly managing coinsurance requirements can prevent financial disaster. Not properly managing coinsurance requirements can put you out of business! If there is, what does it mean? If there is, did your insurance adjuster explain it to you? How is coinsurance calculated: on replacement cost or actual cash value?
Prompt inspection and documentation is key to a successful claim.
Is there a methodology to properly document the loss?
It takes a trained professional to identify and document hail damage. Do you have the right experts lined up? You should not rely only on the insurance company’s experts.
How much of my time will this take?
Property Damage Losses Commercial Claims Recovery Process
How Our Public Adjusters Help You
- Evaluate Fully reviewing your insurance coverage.
- Strategy Developing a claim management strategy.
- Compliance Determining policy compliance issues.
- Valuations Completing detailed valuations of building, equipment and inventory losses.
- Interruption Formulating business interruption models.
- Itemization Presenting and supporting an itemized claim package to your insurer.
- Negotiation Negotiating on your behalf with your insurance company.
- Communication Keeping you informed every step of the way.
- Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.
Industries Our Public Adjusters Have Helped
Client References & Testimonials
- ACCU, Inc. - Denver, CO
- Centerstone Management Corporation - Addison, TX
- City of Utica - Utica, NY
- Colorado Springs School District - Colorado Springs, CO
- Coulter Landing and Wind Tree Apartments - Amarillo, TX
- Medved Autoplex - Wheat Ridge, CO
- Old Cowtown Museum - Wichita, KS
- Park Mediterrane Townhouse Owners Association, Inc. - Phoenix, AZ
- Zale Properties Inc. - Dallas, TX
In a small school district without means to have a staff member knowledgeable enough to determine all the damage sustained in the hail storm, you came to our rescue. Thanks to Adjusters International, our school district was made aware of some of the hard to recognize damage that had occurred in the storm [your firm] possibly kept our district from having to seek other funding sources to provide any repair that may have arisen in the future due to this storm. I consider you a lifesaver for our district.Mike AllisonSuperintendent - Whitewright Independent School District
We want to thank you for your outstanding and professional handling of the hail damage claim at our Hilton Head Apartments. As you know, we were handling the claim ourselves and encountering an abnormal amount of foot dragging by the insurance companys adjuster...Because of your skill and persistence, however, we finally achieved a very satisfactory settlement...funds adequate to pay for the re-roofing of all twenty-four buildings in the Hilton Head complex.Eugene Zale
For decades, L’Auberge Chez François has been one of the leading restaurants in the metro Washington, D.C., area. Known for its exceptional French cuisine and impressive service, the restaurant is a longtime favorite of Washingtonians celebrating anniversaries, birthdays or other special occasions.
A magnitude 6.8 earthquake, called Nisqually in seismic circles, rocked Seattle, Washington, in 2001 and severely damaged the Starbucks corporate headquarters building.
Super Typhoon Paka, as the storm came to be called, was a 12-hour session of destruction for the island of Guam. Stirring up winds in excess of 200 miles per hour, the tropical cyclone tossed buildings, planes and ships across the island like discarded toys. Among these was the headquarters of Continental Micronesia, a subsidiary of Continental Airlines. The main offices, the marketing buildings and the planes were damaged by the powerful typhoon.