Public Adjusters for Hurricane Damage
When confronted with Florida hurricane damage or similar devastation, our adjusters are there for you as your advocates and guides, responsible for managing your claim as you focus on the next critical steps of your business.
There are key factors to consider when preparing a claim for hurricane damage, given that you may be dealing with both windstorm and flood damages often covered by different insurance policies and handled by different adjusters. Without a proper grasp on this situation and a thorough understanding of your commercial insurance policy, you, the business owner, can be at a disadvantage and not receive what you truly need to restore your business.
As you begin to make decisions to maintain and restore your business, a crucial decision can be to hire a public adjuster immediately to prepare and manage your claim. We level the field when dealing with your insurance company. We guide you and advocate on your behalf as we evaluate and document your damage in detail to negotiate a claim for the maximum amount. With offices in and close to Fort Lauderdale, Melbourne, Charlotte, Atlanta, Virginia Beach, Richmond, Nashville, Baltimore, Rockville, and New York City, our expert public adjusters are ready to help you recover more, sooner.
What To Focus On After Hurricane Damage
What is my agent/broker’s role? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
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?
Forensic Deconstruction may be required in order to determine the possible structural damages caused by pressure vs. suction and differential pressure (wind flow on two opposite sides of any building components such as roofs, walls, structural members, etc., which could deform or dislodge materials).
Is there coinsurance in your policy? Properly managing coinsurance requirements can prevent financial disaster. Not properly managing coinsurance requirements can put you out of business! If there is, what does it mean? If there is, did your insurance adjuster explain it you? How is coinsurance calculated: on replacement cost or actual cash value?
Is there a methodology to properly document the loss?
Is a moisture survey necessary? Why or why not?
When mold is an issue, be sure to hire professionals to record RH%, document the damage, and create a moisture map before removing ALL wet building materials.
Prompt inspection and documentation is key to a successful claim. It takes a trained professional to identify and document windstorm damage. Do you have the right expert lined up? You should not just rely on the insurance company’s experts.
The report from the roofing expert you choose can make all the difference in your recovery.
Repair vs. replacement of roofing can be a challenging issue. Are you familiar with matching issues/rules? Are you familiar with patching issues/rules? What about warranties?
Wind-driven rain vs. leakage. The difference can affect your recovery.
What happens following an extraordinary storm when drying equipment, generators, remediation labor, and other resources are unavailable for days? Weeks?
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
- AM Property Holding II Corporation
- The Atrium
- Azalea Garden Apartments
- Bachly Enterprises
- Barclay Towers
- Bay Shore Development Corporation
- Beach Cabana
- Berkowitz Development Group
- Best Western Beach Resort
- Betsy Ross Hotel
- Biltmore Hotel
- Blockade Runner Resort Hotel
- Boardwalk Condo Association
- Boat House Marina
- Brookview Apartments
- Casa Marina Motor Lodge
- The Cedars Association Inc.
- Center Pier Restaurant
- Charming Shoppes
- Clarence Fosters
- Clothestime, Inc.
- Comfort Inn Brooklyn Cruise Terminal
- DCL Mooring Rigging
- Eckerd Corporation
While Exopack insured locations did not suffer any physical damage, many of their suppliers... sustained damage to their property due to a covered peril. The resulting limited supply of polyethylene resin caused a financial loss due to loss of production, loss of sales and lower margins. Given the complexity of this contingent business interruption, I felt it was appropriate to seek outside assistance. Your team brought the expertise and credibility needed to get this claim resolved.Kara deBordeCorporate Risk Manager - Exopack, Spartanburg, SC
…Your firm was proactive, brought in exceptional expertise and consultants who were always informed and professional, and guided the insurance companies to a reasonable and fair settlement. …After negotiating through multiple layers of insurance, several insurance carriers, adjusters and accountants, we are most pleased with the final result of our claims…Jim PelletierChief Financial Officer - The Biltmore Hotel
For decades, L’Auberge Chez François has been one of the leading restaurants in the metro Washington, D.C., area. Known for its exceptional French cuisine and impressive service, the restaurant is a longtime favorite of Washingtonians celebrating anniversaries, birthdays or other special occasions.
A magnitude 6.8 earthquake, called Nisqually in seismic circles, rocked Seattle, Washington, in 2001 and severely damaged the Starbucks corporate headquarters building.
Super Typhoon Paka, as the storm came to be called, was a 12-hour session of destruction for the island of Guam. Stirring up winds in excess of 200 miles per hour, the tropical cyclone tossed buildings, planes and ships across the island like discarded toys. Among these was the headquarters of Continental Micronesia, a subsidiary of Continental Airlines. The main offices, the marketing buildings and the planes were damaged by the powerful typhoon.