Public Adjusters For Commercial Fire Damage
According to the National Fire Protection Association, business owners and organizations suffer $2.3 billion in commercial and industrial property losses each year.
Fire claims are especially complex for the different types of damage they cause, all of which have to be documented and proven to your insurance company. For example, fire can create serious damage from smoke, burning residue, and corrosive substances released in the flames. There can also be substantial water damage from the effort to extinguish the blaze. In the aftermath, your property and valuables may be exposed to the elements and become more damaged if not addressed immediately. As the policyholder, it is your responsibility to minimize the damage while you focus on keeping your business running. Do you also have the time to handle your insurance claim?
Your insurance company may present an offer they think is sufficient based on their own damage assessment. Our public adjusters work only for your interests to evaluate, document, and prove the full scope of loss and negotiate your claim for the maximum amount.
What To Focus On After Fire Damage
What is my agent/broker’s role?
The insurance company hired a construction estimator. What do I need to know?
Why is a claim strategy so important?
Am I impacted by coinsurance?
Can smoke damage be removed/neutralized?
How can you identify/document items that are totally destroyed?
Your insurance company pays less if you clean/restore as much of your equipment and improvements as possible. Is that a good idea?
How do the smoke and the water used to fight the fire affect your machinery? Your computers, equipment, and other electronics?
If water used in suppressing the fire causes mold and fungus, is the ensuing damage covered?
Asbestos, lead, and other hazardous materials can have a major impact on your claim. Are you aware of how to properly address these in order to prepare your claim and to avoid future liability issues? Hazardous materials such as asbestos and lead can be expensive to address. You want to make sure to not cut corners when addressing this issue. You want to make sure to not cut corners when addressing this issue.
Code Upgrade coverage is very important when rebuilding after a fire. How does your insurance policy address code coverage? Also, what about any Green building upgrades? Checking the correct building codes before you prepare your claim is critical.
What happens when the insurance company engages a forensic accountant? What is his/her role? Why can’t your accountant just prepare your claim? You will have to produce your financial statements and possibly your tax return. You may need to recast your financial statements? If so, why? What are extra expenses? What can be included?
What are expediting expenses? How do they differ from extra expenses?
How much of my time will this take?
What is pressurized smoke?
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
- 11805 Mayfield Association
- 13030 Moorpark Homeowners Association
- 1st Choice Pallets
- 3 Day Suit Brokers
- 3-G Video Cassette Corp.
- 3rd Millenium Inc
- 4230 Stansbury Association
- 4455 Hazeltine Homeowners Association
- 49 Square
- 4D Development
- 610 S. Broadway Associates
- 714 Market Street Building
- 7700 Place Apartments
- 945 Elliott
- A & F Engine
- A B I / Accordia of California Insurance
- A Pawn Shop
- A&H Management
- A-1 Embroidery
- A-1 Performance
- A. Morgan Maree, JR. & Associates
- A1 Vacuum Cleaner
- AAA Plating
- Aaron & Deanne Rafferty
We took the time to do our due diligence and it seemed that the name Adjusters International kept coming up. Although one would like to think that their insurance company would do everything to help, practical business sense suggests that once one has a fire, they move from the asset side of the ledger to the liability side. I felt that our interests would be best served with an advocate on our side. Enter bulldog Drew. You were relentless in your pursuit and prosecution of our claim. It is clear that your knowledge of insurance and your practical experience lend themselves to securing the best settlements for your clients. The team that supported you was exceptional. You were always there with the answers when we needed them. You were our bulldog. In the end, the settlement reached was beyond what we expected.Jacobsen Real Estate Group, LLC
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