Logo

Public Adjusters for Commercial Fire Damage

Within moments, a fire can engulf your property and interrupt your business indefinitely. As you concentrate on the safety of all occupants and how to stay in business, you will also need the time to prepare a thorough insurance claim covering your loss.

According to the National Fire Protection Association, business owners and organizations suffer $2.3 billion in commercial and industrial property losses each year.

Fire claims are especially complex for the different types of damage they cause, all of which have to be documented and proven to your insurance company. For example, fire can create serious damage from smoke, burning residue, and corrosive substances released in the flames. There can also be substantial water damage from the effort to extinguish the blaze. In the aftermath, your property and valuables may be exposed to the elements and become more damaged if not addressed immediately. As the policyholder, it is your responsibility to minimize the damage while you focus on keeping your business running. Do you also have the time to handle your insurance claim?

Your insurance company may present an offer they think is sufficient based on their own damage assessment by their own fire insurance adjuster. Shouldn’t you also have a professional on your side whose interests are parallel with yours? Our public adjusters work only for you to evaluate, document, and prove the full scope of loss and negotiate your claim for the maximum amount. We help business owners maximize their fire claims and get back to business sooner throughout California, Arizona, and Nevada, including policyholders in San Francisco, San Jose, Sacramento, Pleasanton, Santa Barbara, Malibu, Los Angeles, Beverly Hills, Encino, Torrance, Riverside, Orange County, Irvine, Palm Springs, San Diego, Phoenix, Scottsdale, and Las Vegas. Allow us to be your partner in recovery, our public adjusters are ready to be by your side for the full recovery process.

Thumbnail Image

What To Focus On After Fire Damage

Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
  • What is my agent/broker’s role?
  • The insurance company hired a construction estimator. What do I need to know?
  • Why is a claim strategy so important?
  • Am I impacted by coinsurance?
  • Can smoke damage be removed/neutralized?
  • How can you identify/document items that are totally destroyed?
  • Your insurance company pays less if you clean/restore as much of your equipment and improvements as possible. Is that a good idea?
  • How do the smoke and the water used to fight the fire affect your machinery? Your computers, equipment, and other electronics?
  • If water used in suppressing the fire causes mold and fungus, is the ensuing damage covered?
  • Asbestos, lead, and other hazardous materials can have a major impact on your claim. Are you aware of how to properly address these in order to prepare your claim and to avoid future liability issues? Hazardous materials such as asbestos and lead can be expensive to address. You want to make sure to not cut corners when addressing this issue. You want to make sure to not cut corners when addressing this issue.
  • Code Upgrade coverage is very important when rebuilding after a fire. How does your insurance policy address code coverage? Also, what about any Green building upgrades? Checking the correct building codes before you prepare your claim is critical.
  • What happens when the insurance company engages a forensic accountant? What is his/her role? Why can’t your accountant just prepare your claim? You will have to produce your financial statements and possibly your tax return. You may need to recast your financial statements? If so, why? What are extra expenses? What can be included?
  • What are expediting expenses? How do they differ from extra expenses?
  • How much of my time will this take?
  • What is pressurized smoke?

Property Damage Losses Commercial Claims Recovery Process

Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
Negotiations & Settlement
Restoration Of Property & Operations

How Our Team Helps You

  • Evaluate Icon Evaluate Fully reviewing your insurance coverage.
  • Strategy Icon Strategy Developing a claim management strategy.
  • Compliance Icon Compliance Determining policy compliance issues.
  • Valuations Icon Valuations Completing detailed valuations of building, equipment and inventory losses.
  • Interruption Icon Interruption Formulating business interruption models.
  • Itemization Icon Itemization Presenting and supporting an itemized claim package to your insurer.
  • Negotiation Icon Negotiation Negotiating on your behalf with your insurance company.
  • Communication Icon Communication Keeping you informed every step of the way.
  • Settlement Icon Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.

Industries Our Public Adjusters Have Helped

Related Resources

  • Trinity River Saw Mill Case Study Thumbnail Image
    Video
    06.29.2018

    Trinity River Saw Mill Case Study

    Understanding what a public adjuster can do for a client is hard. In the case of the Trinity River Saw Mill in Weaverville,Ca, The Schmidbauer Company decided a public adjuster was exactly what they needed. A huge disaster that could of effected thousands of jobs for a small community was carefully managed by a few professional loss consultants. A difficult feat with an even bigger positive return.

Contact Us

If you're suffering from a commercial property claim, we can help!
Call us at 888.473.3677 or fill out the form below:
( * ) indicates required field
Sorry, there was a problem with your submission.