...Not knowing where to turn, I called John Garamendi, former Insurance Commissioner of California and currently a U. S. Congressman. John, without hesitating, told me to call you. Looking back I know two things: 1) I cannot thank John enough for the recommendation and, 2) it is the best decision we ever made and the claim was concluded and paid in the total sum 4.5 times greater than Travelers original offer!
Insurance Claim Services For Non-Profits
When your non-profit organization suffers property damage, your main focus should be on getting your operations up and running—yesterday.
You don’t have time for a drawn out insurance claim process or for the stacks of complicated paperwork required. When your office supplies and computers are wiped out and business furniture is damaged, you need to recoup your losses fast.
At Adjusters International, our experts help non-profit organizations like yours, get the money they’re entitled to—sooner.
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
How does the event affect donations?
What is recoverable?
How to quantify long term affects of less effective community outreach?
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?
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?
Does the insurance company pay for professionals necessary to evaluate your claim?
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.
Can you do the repairs yourself?
- Are you entitled to the profit that a contractor would typically charge?
- Are you entitled to the overhead that a contractor would typically charge?
Warranties and Protective Safeguard requirements. What do they mean? Can you still collect if you are not in full compliance?
How does the event affect volunteers?
Can I compensate employees or volunteers who help with cleaning or restoration?
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 computers and other electronics?
What are extra expenses? What can be included?
How is actual cash value determined? Why should you care?
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?
What happens when the insurance company engages a forensic accountant?
- What is his/her role?
- Why can’t you just have your accountant 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?
Non-Profit Client References
- Aim To Please
- Albany American Legion Post 10
- American Legion Santa Ana Post 131
- Ashby Community Partners
- Bayview Lodge 100F #109
- Berkeley Youth Alternatives
- Boy Scouts of America / Los Angeles Area Council
- Boys & Girls Club of Cloverdale
- California Professional Firefighters
- Children's Hospital of Orange County (CHOC)
- Coachella Valley Rescue Mission
- Computers for Classrooms
- Congretation Beth David
- Escondido Humane Society
- Flying Cat LLC
- Fresno - Madera Agency on Aging
- Fresno Rescue Mission
- Gay & Lesbian Community Center
- Jewish Federation Council of Greater Los Angeles
- National Lumber & Building Materials Dealers Association (NLBMDA)
- Neighborhood Effort
- One by One Leadership Foundation
- Pacific Community Services, Inc.
- Patten College
- San Diego Council of Camp Fire
- San Jose Foothill / Family Community Clinic
- United Automobile Workers Union
- United Farm Workers of America
- Ventura County Rescue Mission
- Whispering Winds Catholic