Public Adjusters for Commercial Hurricane Damage
In the wake of such devastation, our adjusters are there for you as your advocates and guides, responsible for managing your claim as you focus on the next critical steps of your business.
There are key factors to consider when preparing a claim for hurricane damage, given that you may be dealing with both windstorm and flood damages often covered by different insurance policies and handled by different adjusters. Without a proper grasp on this situation and a thorough understanding of your commercial insurance policy, you, the business owner, can be at a disadvantage and not receive what you truly need to restore your business.
As you begin to make decisions to maintain and restore your business, a crucial decision can be to hire a public adjuster immediately to prepare and manage your claim. We level the field when dealing with your insurance company. We guide you and advocate on your behalf as we evaluate and document your damage in detail to negotiate a claim for the maximum amount.
What To Focus On After Hurricane 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?
Wind Damage vs. Storm Surge vs. Flood. What is covered?
Why is a claim strategy so important?
Am I impacted by coinsurance?
Forensic Deconstruction may be required in order to determine the possible structural damages caused by pressure vs. suction and differential pressure (wind flow on two opposite sides of any building components such as roofs, walls, structural members, etc., which could deform or dislodge materials).
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 you? How is coinsurance calculated: on replacement cost or actual cash value?
Is there a methodology to properly document the loss?
Is a moisture survey necessary? Why or why not?
When mold is an issue, be sure to hire professionals to record RH%, document the damage, and create a moisture map before removing ALL wet building materials.
Prompt inspection and documentation is key to a successful claim. It takes a trained professional to identify and document windstorm damage. Do you have the right expert lined up? You should not just rely on the insurance company’s experts.
The report from the roofing expert you choose can make all the difference in your recovery.
Repair vs. replacement of roofing can be a challenging issue. Are you familiar with matching issues/rules? Are you familiar with patching issues/rules? What about warranties?
Wind-driven rain vs. leakage. The difference can affect your recovery.
What happens following an extraordinary storm when drying equipment, generators, remediation labor, and other resources are unavailable for days? Weeks?
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
- Abbey Village Condominium Association, Inc. - Delray Beach, FL
- Adams & Company Real Estate LLC
- Bahamas Telecommunications Corporation - Nassau, Bahamas
- Biltmore Hotel
- CF Gollott & Son Seafood, Inc. - Biloxi, MS
- Clothestime, Inc.
- Gerber Childrenswear, Inc.
- Harbor Branch Oceanographic Institution - Fort Pierce, FL
- The Herald Journal
- Kaiser Realty, Inc. - Gulf Shores, AL
- Los Cabos Golf Resort - Cabos San Lucas,
- Mississippi Coast Coliseum - Biloxi, MS
- Perkins Family Restaurant and Bakery - Satellite Beach, FL
- Red Pines Apartments - Houston, TX
Our loss was certainly not easy to measure. ... Your experts accurately interpreted our policy so that we could utilize all aspects of our coverage, and all aspects of our losseven those which we didn't initially recognizewere skillfully measured. Adjusters International managed to minimize the impact of a very serious co-insurance clause, which saved Gerber hundreds of thousands of dollars. Your personnel dealt admirably with the language barrier, the substantial travel time to and from the loss sites and the numerous parties involved in our loss, and eventually negotiated very favorable settlements.Jay R. CopeVice President - Operations Services - Gerber Childrenswear, Inc
Trained eyes can see what others overlook.
Holy Cross Hospital in Fort Lauderdale, Florida, is an award-winning, nonprofit hospital serving more than 55,000 patients each year. For more than 50 years, the hospital has served the sick and injured in the Ft. Lauderdale and southern Florida areas, and at the same time conducted unique wellness programs.
An unprecedented four hurricanes ravaged Florida in 2004—Hurricanes Charley, Jeanne, Ivan, and Frances. Adjusters International was contracted for disaster recovery consulting in August 2004 to assist Lee County, in addition to two of its component cities, Sanibel and Ft. Myers.