I was extremely skeptical about retaining a Public Adjuster to help me negotiate my claim with my insurance company. I know I was wrong in my skepticism because the efforts employed by you and the team you assembled were fantastic…In hindsight, I wish I had made the decision earlier…You undertook the daunting task of undoing all the mistakes the insurance adjuster made on the file prior to your retention and then got my claim on the right track of recovery. I am so glad that I was able to focus my energy and time on my medical practice, as opposed to fighting my insurance company at every turn. The ultimate settlement was more than double what the insurance company had originally offered.

Ushakiran Khade, MD - Balaji Medical Corporation
Alameda, CA
  1. 1

    Your health care facility just suffered serious 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.

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.

Health Care 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?
  • Do they only work for insurance companies? Why this should be a red flag.
  • Does the adjuster work for me? 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 my claim? Are they working for me? Or them?
  • Is there coinsurance in my policy? What does it mean?
  • How is actual cash value determined? Why should I care?
  • Can I compensate employees who help with cleaning or restoration?
  • Replacement properties. Lease purchase strategy. Is it good for me?
  • 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 I get started rebuilding?
  • How does my policy address increased costs due to new codes? If my coverage is limited, what can I 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?
  • Does my risk manager have the requisite skill sets to negotiate a large property claim?
  • What does Title 24 and handicap access mean to you and your claim?
  • Can I continue to pay my employees?
  • What are extra expenses? What can be included? Can I use extra expenses to offset shortfalls in property coverages?
  • What are expediting expenses? How do they differ from extra expenses?
  • Temporary facilities. Portables. Hardscape. Temporary or permanent? How presenting my story can affect my recovery. Do I know my policy provisions?
  • How does the event affect volunteers?

Health Care References

In addition to the 5,000+ references on our list, here are some well-known names in the health care industry 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

Bob & Carol Lowitz

Greenspan Adjusters International
Greenspan Adjusters International

James & Dr. Renee Young

Greenspan Adjusters International
Greenspan Adjusters International

Omega Healthcare

Greenspan Adjusters International
Greenspan Adjusters International

Chico Immediate Care

Greenspan Adjusters International
Greenspan Adjusters International

Ushakiran Khade, MD

Greenspan Adjusters International
Greenspan Adjusters International

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