Hurricane damage to your business may seem irrecoverable. Our experts will be there on-site for you to evaluate the full scope of commercial property damage and business interruption to prepare and negotiate a claim that will get you the maximum settlement to fully recover.
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.
Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
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
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
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.
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. Cope
Vice President - Operations Services - Gerber Childrenswear, Inc
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.
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“Responding to the Worst Hurricanes, Storms & Floods” focuses specifically on our response to many of the worst natural disasters of the past quarter-century, including: the City of New Orleans after Hurricane Katrina; the Florida Keys following hurricanes Dennis, Katrina, Rita and Wilma; and the Texas Medical Center following the rains of Tropical Storm Allison.