Industry Specific Services Agriculture

...your lead adjuster took command of our claim and negotiations with our insurance carrier and has returned more than three times what the initial claim value appeared to be. ...As a result of all your fine efforts, we have been able to rebuild a new facility, larger than the one we lost; installed a state of the art packing line; and have improved our site facility all for the amount of the settlement. ...We initially looked at your fee as a cost of doing business. It turns out that the fee we paid of $218,858.00 was a true value compared to the additional reimbursements Greenspan Adjusters International was able to negotiate on the claim. ...
Mike Casey
The Harris Ranch/Harris Farms, Inc.

Your Situation

1
You just suffered serious agriculture damage and you are wondering what to do next.
2
You call your insurance company and wait for an adjuster to come out hoping that they will have your best interests at heart.
3
You moved from the asset side of your insurance company's ledger to the liability side of their ledger.

How We Can Help

The More You Know, The Better The Results.

  • Settlement We will negotiate the best possible settlement.
  • Peace of Mind We can help you get back to your lives, family, and business sooner.
  • Administration We cover every part in preparing and settling your claim.
  • Team A team of experts on your side.

Factors To Consider

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 are the pros and cons of replacing versus repairing packing lines?
  • Temporary packing lines in other owned or non-owned locations? What happens at the end of your claim?
  • How can you use industry statistics/surveys to support projected crop yields?
  • Hazardous materials such as asbestos and lead can be expensive to address. Make sure your insurance carrier does not cut corners when addressing this issue.
  • Frequently insurance companies use independent building and equipment consultants to prepare a bid.
    • Who are these consultants?
    • Who are they working for?
    • Do they only work for insurance companies? Why this should be a red flag.
  • Federal grants and subsidies. Are they considered income?
  • What happens when the insurance company engages a forensic accountant?
    • What is his/her role?
    • Why can’t your accountant just prepare your claim?
    • What is the harm in sharing your financial statements?
    • Are you required to produce your tax returns?
    • Can you recast your financial statements? If so, why?
  • What are extra expenses? What can be included?
  • What is your broker or agent’s role?
    • Will he/she be adjusting the claim?
    • How many claims has he/she handled?
    • Will his/her role be active of passive?
    • When faced with supporting your position or the insurance company’s, where will he/she stand?
  • Increased efficiency and productivity with new equipment. Does the insurance company get a “credit?”
  • Growing crops cannot be processed? How do they fit into your property claim and your business interruption claim?
  • How does the smoke and the water used to fight the fire affect your equipment? Your computers and other electronics?
  • Is there coinsurance in your policy?
    • If there is, what does it mean?
    • If there is, did your insurance adjuster tell you? If not, why not?
    • How is coinsurance calculated on replacement cost? On actual cash value?
    • Properly managing coinsurance can prevent disaster. Not properly managing coinsurance can put you out of business!
  • Valuation of raw materials. Work in progress. Finished goods. Methodologies employed.
  • Code Upgrade coverage is very important when rebuilding after a fire.
    • How does your coverage address code issues?
    • If your coverage is limited, is there anything you can do about it?
  • What are expediting expenses? How do they differ from extra expenses?
  • Can you continue to pay your employees?
    • “Ordinary” employees versus “key” employees. How do they get classified? What is covered?
  • Does your risk manager have the requisite skill sets to negotiate a large property claim?

Agriculture Client References

  • Anderson Hay & Grain Co
  • Blue Banner Company
  • Courtright Enterprises
  • DiMare, Inc.
  • Eurofresh Farms
  • Fowler Packing Company
  • Foxy Fresh Produce
  • Gonzales Packing
  • Gulfstream Tomato Packers
  • Harris Farms, Inc. / Harris Fresh
  • Index Mutual Avocado Assoc.
  • Monterey Mushroom
  • National Food Corporation
  • Pacific Ethanol
  • Picchetti Winery
  • R&R Ranches
  • San Joaquin Valley Dairymen Assoc. Richard Hughes, Accountant
  • Silver Vase
  • Superior Fruit Equipment
  • Tri Counties Packing Corporation
  • United Farm Workers of America
  • Wawona Frozen Foods

Resources for Agriculture

Adjusting Today is a free resource from AI covering the most current insurance topics and critical issues affecting property damage and business interruption claims. It’s written by the leading insurance experts and from the policyholder’s perspective and includes real-life examples to provide insurance agents and brokers, risk managers, attorneys, business owners and other business professionals the context and knowledge to improve disaster preparedness.

Contact Us

If you’re suffering from a commercial property damage claim, we can help!
Call us at 888.473.3677 or fill out the form below:
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