The people we worked with at The Greenspan Co./ Adjusters International were very helpful, capable, and compassionate... Talented, responsive, and easy to work with... It was invaluable to have such dedicated and gifted people working on our insurance claim so that I could be freed up to focus on enabling the agency to continue to provide services to our community from a temporary location.
Your religious organization just suffered serious damage and you are wondering what to do next.
You call your insurance company and wait for an adjuster to come out hoping that they will have your best interests at heart.
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
When filing a religious organization insurance claim, there are many factors that need to be taken into consideration. To help you navigate the process, we have put together several talking points for you to review. Having a full understanding of each of the below bullet points is crucial to documenting, filing, and successfully settling your insurance claim. If any of these questions give you pause, please feel free to reach out to us for a no-cost discussion about your claim.
Items of religious and/or historical significance. How are they dealt with?
Volunteers assisting with recovery. Compensable or not?
Frequently insurance companies use independent building and equipment consultants on large claims to prepare a bid. Who are these consultants? Who are they working for?
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!
Temporary locations? What happens at the end of your claim?
What are expediting expenses? How do they differ from extra expenses?
What is the difference between a schedule of values and a schedule of coverages?
If you have multiple polices, how is the claim adjusted?
Are you familiar with the forms/practices below and what their request/issuance is telescoping?
- Request for a Proof of Loss.
- Reservation of Rights letter.
- Request for an Examination Under Oath.
- A Subrogation Agreement.
- A Salvage Agreement.
How is actual cash value determined? Why should you care?
How quickly can you get started rebuilding?
Do you have to replace on the same site? Can you buy or build elsewhere?
Asbestos and lead containing materials can have a major impact on your claim. Are you aware of how to properly address these in order to avoid future liability issues?
- Hazardous materials such as asbestos and lead can be expensive to address.Hazardous materials such as asbestos and lead can be expensive to address.
- You want to make sure your insurance carrier does not cut corners when addressing this issue.
Warranties and Protective Safeguard requirements. What do they mean? Can you still collect if you are not in full compliance?
Continuing services to the congregation or the communities serviced. Best practices to continue.
Declared disasters. FEMA rules and compensation?
Do they only work for insurance companies? Why this should be a red flag.
Replacing versus replacing equipment. Pros and cons.
How do the smoke and the water used to fight the fire affect your equipment? Your antiques? Artifacts? Computers and other electronics?
What are extra expenses? What can be included?
How is the deductible applied?
Does the insurance company pay for professionals necessary to evaluate your claim?
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?
Is it always beneficial for your building/property to be considered a “total loss?” If not, why not?
Replacing your building versus cashing out. What are the benefits? The pitfalls?
Can you collect code coverage allowances if you build elsewhere?
Will the insurance company pay for a construction manager?
Code Upgrade coverage is very important when rebuilding after a fire. How does your coverage address code coverage? Green building upgrades? If your coverage is limited, is there anything you can do about it?
Religious Client References
In addition to the 5,000+ references on our list, here are some well-known names in the religious community we have helped.
- Abbott Loop Community Church
- Adrienne Moray Baron / Rabbi David Baron
- Antioch Church of Las Vegas
- Berkland Baptist Church
- Calvary Evangelism Center
- Chabad of California
- Christian Evangelical Churches
- Church of Christ South Hayward
- Church of the Living God
- Congretation Beth David
- Dolores Street Baptist Church
- East Bay "Hana" Korean Church of the Nazarene
- Echo Mountain Church
- First Baptist Church of Homestead
- First United Methodist Church
- Friends of Lubavitch of San Diego
- Golgotha Baptist Church
- Holy Trinity Cathedral Parish
- House Of Rhema / Full Gospel Baptist Church
- Independent Community Church
- Jewish Federation Council of Greater Los Angeles
- Michael & Evonne Fenton, Trinity Baptist Church of Ukiah
Our Lady of Lang Vang Parish Roman Catholic Diocese
- Pastor John Sherman
- Pastor Sang Ho Kim
- Peninsula Christian Fellowship
- Pine Street Baptist Church
- Saint Mark Coptic Orthodox Church
- Saint Mary's Coptic Orthodox Church
- Saint Mary's Ethiopian Orthodox Tewahedo Church
- Second Samoan Congregational Church
- Tanner Chapel AME Church
- Trinity Lutheran Church Palo Alto
- United Methodist Church of Sheridan
- University Baptist Church
- Village Baptist Church
- Westwood Baptist Church
- Whispering Winds Catholic