Public Adjusters for Commercial Flood Damage
As the National Weather Service confirms, flooding is a nationwide threat applicable and responsible for $3.5 billion per year in total flood insurance claims. Is your business prepared?
Flooding is unique from other perils because it is not typically covered in your commercial property insurance policy. This means you may have to obtain special coverage with your insurer or work with policies made available through the National Flood Insurance Program, which has its own set of rules. Also, water damage from a flood is an expansive topic that deserves thorough assessment to determine the immediate and the potential property damage, so your business will not suffer any further.
Post-disaster, this could leave you vulnerable to complex policy conditions and oversights that can stall the recovery process, and result in an inadequate flood claim. Running a business and managing a claim can be two full-time jobs. Our public adjusters lift the burden by handling your flood insurance claim. We work on your behalf with all other parties involved. We provide you with the expertise to prepare and support a detailed claim in order to attain the optimum settlement for you.
What To Focus On After Flood Damage
What is my agent/broker’s role?
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?
Is a moisture survey necessary?
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
Immediately you began a thorough and comprehensive analysis of our insurance policies and, as well, the organization of emergency and restoration crews. Upon the arrival of the insurance company's adjuster, your precise and detailed understanding of our policy smoothed the insurance company's initial misunderstanding of our coverage. Early the next day your inventory crew began a detailed listing of all damages of real property, equipment, furniture and fixtures, stock, and work in process. You and your certified public accountant began researching our books and records after sufficient discussion with our officers to thoroughly understand our operations. You then structured an audit system that allowed the insurance company to pay equitably against extra expenses and loss of income. Your experience and understanding enabled you to compute our stock loss to extract every advantage possible from our policy. The insurance perspective you chose garnered an additional recovery no one ever expected from our policy! This unexpected recovery, along with the advance payments you arranged immediately after the flood, allowed Sawyer of Napa to regain momentum and continue operations in what is proving to be one of our best years.Sawyer of Napa
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