When our 80 Megawatts engines at the Cabras Power Plant exploded and subsequently destroyed the machinery, contents, and building in the ensuing fire we simply did not know where to start the insurance claims process. We relied and trusted that our insurers and their rate adjuster would candidly assist us to recover from our losses so we could service our ratepayers and clients. We were mistaken to have placed our blind-faith in that process and wish we would have met you and Mr. Steve Severaid earlier in the claim so we could have been on the right track from the beginning. Your meticulous efforts to properly document, measure and negotiate our building, contents and business interruption losses resulted in a most favorable recovery. With your hard work we recovered an amount that was published in the news at $125 million net of deductibles. It was almost 4 times the original offer. Your fees were well worth it.

John M. Benavente, P.E. - G.M. Guam Power Authority
Fadian Mangilao, GU
  1. 1

    Your entertainment business just suffered serious property 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 they will have your best interests at heart.

  3. 3

    You move 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.

Government 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 our 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.
  • Does the insurance company pay for professionals necessary to evaluate our claim? Are they working for us or them?
  • Warranties and Protective Safeguard requirements. What do they mean? Can we still collect if we are not in full compliance?
  • Is there coinsurance in my policy? What does it mean?
  • How is actual cash value determined? Why should we care?
  • 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?
  • How quickly can we get started rebuilding?
  • How does our policy address increased costs due to new codes? If our coverage is limited, what can we do about it?
  • Will the insurance company pay for a construction manager?
  • What is the difference between a schedule of values and a schedule of limits?
  • Temporary facilities. Portables. Hardscape. Are they temporary or permanent? How presenting our story can affect our recovery. Do we know our policy provisions?

Government References

In addition to the 5,000+ references on our list, here are some well-known governmental names 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

City of Orange Cove

$500,000
Without
Greenspan Adjusters International
$10,000,000
With
Greenspan Adjusters International

Dos Palos High School

$3,550,000
Without
Greenspan Adjusters International
$9,070,000
With
Greenspan Adjusters International

Noyo Harbor District

$700,000
Without
Greenspan Adjusters International
$2,000,000
With
Greenspan Adjusters International
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“When our 80 Megawatts engines at the Cabras Power Plant exploded and subsequently destroyed the machinery, contents… Read More about John M. Benavente

John M. Benavente, P.E. - G.M.

Guam Power Authority

In your role as consultant to the National Park Service, your expertise was invaluable in allowing us to work through each step of the long and detailed process and to feel confident that we have protected the public… Read More about Martin L. Nielson

Martin L. Nielson, United States Department Of The Interior

National Park Service

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