You held our hand. You guided us. You gave us the opportunity to ask you questions like, “what if?” and “I wonder if we can?” –behind closed doors in an environment that would not telegraph our goals to the insurance company. In the end, your fee was the best investment we made. We were impressed. Our broker was impressed. Our operation following restoration became a better, more efficient operation. We were able to focus on our business, our employees, and our customers, while you dealt with the mind numbingly detailed negotiations. You were an amazing partner, and we will always be grateful.

Greg Musson, President - GAR Bennett,
Reedley, CA
  1. 1

    You just suffered serious agricultural damage and you are wondering what to do next.

  2. 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. 3

    You moved from the asset side of your insurance company's ledger to the liability side of their ledger.

We Can Help

Knowing everything you possibly can about the "fine print" of your insurance policy before you have any substantive dialogue with your insurer is an absolute necessity. Know what you are covered for and how to claim it. What you say to your insurance company's adjuster and how you say it can make a dramatic difference in how much you get paid. The more you know, the better the results.

Agriculture Factors to Consider

Be sure to understand each of the following factors before engaging with the insurance company. Knowledge is the key to a successful claim outcome.

  • What is my broker's/agent’s role?
  • Does the adjuster work for us or the insurance company? Why they can't work for both. It's a conflict.
  • Is there coinsurance in my policy? What does it mean?
  • How quickly can I get started rebuilding?
  • Does my risk manager have the requisite skill sets to negotiate a large property claim?
  • Growing crops cannot be processed – how do they fit into my property claim and my business interruption claim?
  • Warranties and Protective Safeguard requirements. What do they mean? Can I still collect if I am not in full compliance?
  • What happens when the insurance company engages a forensic accountant? Who does that accountant work for?
  • Can I continue to pay my employees?
  • How do I project lost sales? Sales declines?
  • Is the insurance company using an independent building or equipment consultant to prepare a bid? Who are these consultants? Who are they working for? Do they only work for insurance companies?
  • Replacement properties. Lease purchase strategy. Is it good for me?
  • Replacing versus repairing equipment/processing lines. Pros and cons.
  • What is the difference between a schedule of values and a schedule of limits?
  • Are there temporary packing lines in other owned or non-owned locations? What happens at the end of my claim?
  • What are the pros and cons of replacing versus repairing packing lines?
  • Can I recast my financial statements? If so, why?
  • Do I understand why coinsurance clauses in loss of income coverage can lead to disastrous results when including labor expenses in the cost of goods manufactured and exclude those labor expenses in the business interruption evaluation.
  • Temporary facilities. Portables. Hardscape. Temporary or permanent? How presenting my story can affect my recovery. Do I know my policy provisions?
  • How does my policy address increased costs due to new codes? If my coverage is limited, what can I do about it?
  • Credit for continuing sales. How are they calculated?
  • What are extra expenses? What can be included? Can I use extra expenses to offset shortfalls in property coverages?
  • How is actual cash value determined? Why should I care?
  • Can I compensate employees who help with cleaning or restoration?
  • Will the insurance company pay for a construction manager?
  • Should I have concerns as to how my insurer deals with pollutants - hazardous materials - lead & asbestos?
  • Stock in the yard. How far from the building is coverage afforded? Measured from where?
  • How can I continue to intake new material? Can it be staged elsewhere pending resumption of partial or total operations?
  • How can industry statistics/surveys be used to support projected crop yields?
  • How do smoke and the water used to fight the fire affect my machinery? Equipment? Computers? Other electronics?
  • What is the difference between Actual Loss Sustained and Sales Value of Production and how does it affect my claim?
  • What happens if I open my business elsewhere and I am successful? What if I am not successful?
  • What are expediting expenses? How do they differ from extra expenses?
  • Can I use proformas/budgets to calculate loss of income?
  • Federal grants and subsidies: are they considered income?
  • Increased efficiency and productivity with new equipment. Does the insurance company get a “credit?”
  • Temporary production in other owned or non-owned locations? What happens at the end of my claim?

Agricultural References

In addition to the 5,000+ references on our list, here are some well-known names in the agricultural community we have helped.

The Difference Public Adjusters Make

We work exclusively for YOU, not the insurance company. Our insurance professionals have managed and negotiated thousands of claims for nearly every type of natural and man-made disaster. Local in our approach, we have over forty offices across the U.S. and Canada, and an unmatched network of expert resources to efficiently mobilize and be at your side.

Our Results

Greener Nurseries

$800,000
Without
Greenspan Adjusters International
$1,600,000
With
Greenspan Adjusters International

Greener Nurseries

$800,000
Without
Greenspan Adjusters International
$1,600,000
With
Greenspan Adjusters International

Harris Farms

$500,000
Without
Greenspan Adjusters International
$2,250,000
With
Greenspan Adjusters International

Hinrichs Trading Company

$1,840,000
Without
Greenspan Adjusters International
$4,343,608
With
Greenspan Adjusters International

Nature Quality Partners

$900,000
Without
Greenspan Adjusters International
$1,700,000
With
Greenspan Adjusters International

Snake River Plain Potatoes

$5,349,607
Without
Greenspan Adjusters International
$6,706,607
With
Greenspan Adjusters International

Summerwinds Garden Centers

$1,271,422
Without
Greenspan Adjusters International
$1,915,577
With
Greenspan Adjusters International

Tri Counties Packing Corporation

$435,000
Without
Greenspan Adjusters International
$1,050,000
With
Greenspan Adjusters International

Peju Winery

$68,589
Without
Greenspan Adjusters International
$215,994
With
Greenspan Adjusters International

Village Farms

$37,000,000
Without
Greenspan Adjusters International
$48,800,000
With
Greenspan Adjusters International
The settlement was beyond our expectations and almost double what we thought it would be…The fees we paid were worth every penny in terms of the service received. You saved us tremendous amounts of time and headaches… Read More about Robert R. Benech, President

Robert R. Benech, President, VSP Products, Inc.

Our loss was quite large and the claim was complex. The team at The Greenspan Co./Adjusters International treated us as if we were their sole client. They invested an immeasurable amount of time and effort and at all… Read More about Daniel Medeiros, Chief Financial Officer

Daniel Medeiros, Chief Financial Officer, The DiMare Company

Actual results will vary based on individual circumstance and nature of insurance claim loss. There are no guarantees you will experience the same results.