Assisted Living/Senior Care Industry
When disaster strikes an assisted living or senior care community, whether an independent living facility, assisted living residence, memory care center, or skilled nursing facility, the first priority is always the safety, comfort, and continuity of care for residents. Protecting vulnerable populations, supporting staff, and maintaining daily operations is challenging enough. Navigating the complex process of a property insurance claim shouldn’t add to the burden.
That’s where we come in.
Our team of experts, including licensed public adjusters, forensic accountants, building estimators, and inventory specialists, manages every aspect of the property damage claim. While you focus on resident care, coordinating repairs, communicating with families and regulators, and keeping your community running smoothly, we oversee the evaluation, measurement, and documentation of damages in all claim areas, and handle negotiations with the insurance company to help secure full and fair settlements.
With decades of experience helping healthcare and senior living facilities recover from fires, storms, floods, and other property disasters, we understand the operational, regulatory, and financial pressures unique to your industry. From securing funds to replace or restore resident rooms and medical equipment to addressing business interruption and extra expenses, we help you recover as quickly as possible, so you can continue providing the care your residents depend on.
Why Choose Us?
Since 1941, Goodman-Gable-Gould/Adjusters International has represented commercial property owners and operators across the senior living and healthcare sectors. Whether your firm oversees one property or a multi-location portfolio, we manage the entire claims process, from loss measurement and repair scope development to policy analysis and settlement negotiations, so your staff can focus on resident care, staff coordination, and day-to-day operations.
Our claims experience encompasses assisted living communities, independent living residences, memory care centers, skilled nursing facilities, and continuing care retirement communities. We understand the distinct challenges senior care providers face, from protecting vulnerable residents and minimizing relocation disruptions to replacing medical equipment, addressing life-safety requirements, and maintaining regulatory compliance. With GGG/AI by your side, you’ll have an advocate dedicated solely to your recovery, so your community can return to safe, stable operations as quickly as possible.
What We Do
Thorough Evaluation: As insurance professionals, we understand all areas of your policy, including coverage limitations, restrictions, coinsurance requirements, law and ordinance provisions, policy time-deadlines, etc.
With You the Whole Way: We meet with you often to discuss your business operations and create the right claims strategy to fit your immediate needs and long-term goals. Our experts stay in constant communication with you and the insurance company as we execute a plan that achieves your priorities. We will inspect and document the damaged property thoroughly.
Securing Equitable Settlements: We advocate for a swift and fair settlement from your property insurer to protect your interests and maximize your recovery.
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In the aftermath of significant property damage, you're left wondering about the best course of action to accelerate your recovery.
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You contact your insurance company, anticipating that they will promptly send out an adjuster and provide the coverage you have paid for. However, your claim will impact your insurer's financials – will their adjuster look out for your best interests?
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This dynamic reveals the delicate balance between your needs and the financial intricacies of the insurance industry. Navigating this landscape effectively is crucial to ensure appropriate recovery, in accordance with the coverage you have paid for.
We Can Help
Understanding the "fine print" of your insurance policy before engaging in substantive discussions with your property insurer is essential. How the claim is presented and how the coverage is utilized can make a dramatic difference in your recovery amount. Our in-depth analysis of the policy, and expert guidance, built upon over 80+ years of experience in the insurance claims industry, is invaluable to your full recovery.
Key Considerations for Your Insurance Claim Process
- How will business interruption and extra expense coverage apply if resident rooms or entire wings are unusable during repairs?
- Does your policy cover the costs of temporarily relocating residents to other facilities or arranging alternative housing?
- Are medical equipment, nurse call systems, medication storage, generators, and life-safety systems insured at full replacement cost?
- How does your policy treat damage to furnishings, beds, appliances, and resident personal property within your care?
- Are food service operations, commercial kitchens, and dietary supplies covered for spoilage or contamination losses?
- Does your coverage include environmental cleanup or biohazard remediation (e.g., water intrusion, mold, sewage backups)?
- Is there coverage for temporary staffing, overtime payroll, or contract caregivers needed to maintain resident care during disruptions?
- Are emergency power systems, HVAC, and climate control losses covered, particularly where temperature control is critical for resident health?
- Does your policy cover temporary modular units or leased space to maintain operations during repairs?
- Are compliance upgrades required by current building codes, ADA standards, or life-safety regulations included under ordinance or law coverage?
- How are therapy areas, common spaces, and amenities treated when loss of use reduces capacity or revenue?
- Are electronic health records, medication management systems, and administrative data covered if servers or IT systems are damaged?
- How are leasehold improvements or tenant buildouts handled in leased senior housing or medical office spaces?
- Does your policy cover flood, stormwater backup, or plumbing failures that affect resident rooms or care areas?
- Are architectural, engineering, infection-control, or regulatory compliance costs included in your claim?
- What documentation is required to support loss of revenue and/or increased operating expenses?
- What are your proof-of-loss and reporting deadlines to preserve your right to full recovery?
- How can you ensure your claims presentation accounts for every cost of downtime, resident relocation, restoration, and compliance?
The Difference We Make
GGG/AI works exclusively for YOU, the policyholder, not for the insurance company. Our insurance professionals have managed and negotiated thousands of claims after every type of property damage disaster. With offices across the US and an unmatched network of expert resources, we swiftly and equitably navigate the claims process towards successful resolution.
Client Success Stories
…You and your company took the reins and negotiated with the adjusters, exposing all the layers of coverage concealed in the policies, some of which I was totally unaware of. You know your craft, are skilled at… Read More about Mavis Payne
Mavis Payne, RN
Mandeville House Assisted Living
…Words cannot adequately express our thanks, but on behalf of our board, staff, and the forty wonderful residents that now enjoy the comforts of their beautiful surroundings, we, the Bailey Manor family, send our… Read More about Collie W. Lehn
Collie W. Lehn, Chairman of the Board
Carolina Christian Ministries, Inc.
…Your firm’s efforts were instrumental in providing a settlement under a very difficult set of circumstances. We were extremely pleased with the settlement received and would not hesitate to utilize your firm’s services… Read More about David W. Faeder
David W. Faeder
Fountain Square Properties
Client References
As licensed public adjusters, we work exclusively for you to ensure that you secure a fair settlement from your property insurer after a disaster.