Commercial Insurance Claims for Winter Storm Damage
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
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?
What is the difference between functional replacement and true replacement cost coverage and why should you care?
How is actual cash value determined?
Can you do the repairs yourself? Are you entitled to the overhead and/or profit that a contractor would typically charge?
What are the benefits and the pitfalls of not replacing your building?
Do you have to replace on the same site? Can you buy or build elsewhere?
Can you collect building code enhancement coverage if you build elsewhere?
How quickly can you start rebuilding following a loss?
How much of my time will this take?
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
- 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
…Our business interruption loss was also quite complicated. While we were able to complete most of our current orders at that time, we suffered a substantial loss of opportunity. Our normal margin was eroded by inefficiencies due to working in a damaged facility. Your team of professionals successfully identified and demonstrated this loss by developing a model which measured and supported that loss of opportunity and allowed us to recover appropriately. …Your experts accurately interpreted our policy so that we could utilize all aspects of our coverage, and all aspects of our loss — even those which we didn’t initially recognize — were skillfully measured.…Jay R. CopeVice President - Gerber Childrenswear, Inc.
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