Commercial Insurance Claims for Winter Storm Damage

What if heavy snow overwhelmed your building’s rooftop and caused it to collapse? Or freezing temperatures caused a pipe bursting, leading to water damage and mold? If your commercial property suffers winter storm damage, it does not have to bring down your business.
To maximize your recovery, it’s important to properly document the various kinds of winter storm damage to your property, and to know what your commercial insurance policy covers.

Your commercial property can experience a range of winter storm damage. Heavy snow can cause a roof collapse. Pipes can freeze and burst, causing water damage and possibly mold. Even space heaters incorrectly connected and positioned in the office can spark fire damage. If the unexpected happens, your insurance company’s team will have their own interpretation about the extent of the property damage and what is covered in your commercial insurance policy. Shouldn’t you have an expert on your side representing only your interests?


Our professional public adjusters are there to lift that burden from beginning to end in your insurance claim process. We work only for you, not the insurance company. We level the playing field with our unmatched expertise and resources in evaluating, documenting, and negotiating your insurance claim for the maximum amount so you can get back to business sooner.

What To Focus On After Winter Storm Damage

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.

Property Damage Losses Commercial Claims Recovery Process

Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
Negotiations & Settlement
Restoration Of Property & Operations

How Our Team Helps 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 We Have Helped

Within hours of retaining your firm, your staff of construction consultants were on site to help us quantify the extent of the damage and coordinate agreement of the emergency measures underway with our insurer. ...Your expert interpretation of the policy language to identify the available coverage and ensure all covered aspects of the loss were investigated and made part of the claim if appropriate. Your personnel dealt professionally with the insurance company and their plethora of hired experts, which clearly helped to secure a settlement that was fair for all involved.
Wayne M. Naylor
Director of Risk Management - York International Corporation
Testimonial
The expertise that your firm exhibited during our initial discussions ensured our company that you would be able to achieve a more favorable settlement than we ever could and the results proved that. There was a minimum interruption to our organization while your staff gathered that appropriate information to process the losses which enabled us to concentrate on operating our business. Your firm clearly showed a level of knowledge and skill that proved to us that the choice we made in securing your services was the correct one.
Douglas L. Pereira
Corporate Controller - ClothesTime, Anaheim, CA
Testimonial

Related Resources