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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 after a winter storm, it’s important to properly document the various kinds of winter storm damage your property suffered and to know what winter and snow damage your commercial insurance policy covers.

Your commercial property can experience a range of winter storm damage. For instance, heavy snow can cause a roof collapse. If your business is impacted by pipes freezing in winter or pipes bursting in winter, you may also suffer from water damage and possibly mold. Even space heaters, when 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 winter storm damage or snow damage insurance claim process. We work only for you, not the insurance company. Our expert public adjusters help business owners like you every day in Washington, Alaska, and Idaho from our offices in Seattle, WA, Anchorage, AK, Boise, ID and throughout the U.S. 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.
  • What is my agent's or broker’s role?
  • How do I keep my employees?
  • How do I keep my customers?
  • Why is a claim strategy so important?
  • Am I impacted by coinsurance?
  • What do I need to know about the insurance company’s adjuster and experts?
  • Am I entitled to an advance from the insurance company? What is reasonable?
  • What does it mean when the insurance company recommends a preferred vendor? Who will this vendor actually be working for?
  • Contractors may tell you they can do what public adjusters can do. Can they really? What is their background and education in insurance? Are they licensed and bonded? In many states, like California, it’s against the law to practice without a license!
  • The policy says it is your responsibility to submit a reconstruction estimate. Why would the insurer want to do it for you?