Hurricane damage to your business may seem irrecoverable. Our experts will be there on-site for you to evaluate the full scope of commercial property damage and business interruption to prepare and negotiate a claim that will get you the maximum settlement to fully recover.
In the wake of such devastation, our public adjusters are your advocates, responsible for managing your hurricane insurance claim as you focus on the next critical steps of your business.
As a business owner, you may have many questions about hurricane damage. “Does my insurance cover hurricane damage? Does flood insurance cover hurricanes?” There are key factors to consider when preparing a claim for hurricane damage, given that you may be dealing with both windstorm and flood damages often covered by different insurance policies and handled by different adjusters. Without a proper grasp on this situation and a thorough understanding of your commercial insurance policy, you can be at a huge disadvantage and not receive what you truly need to restore your business after experiencing hurricane damage.
As you begin to make decisions to maintain and restore your business, a crucial decision can be to hire a public adjuster immediately to prepare and manage your claim. We level the field when dealing with your insurance company. Our public adjusters have helped business owners throughout California, Arizona, and Nevada. This includes policyholders from San Francisco, San Jose, Sacramento, Pleasanton, Santa Barbara, Malibu, Los Angeles, Beverly Hills, Encino, Torrance, Riverside, Orange County, Irvine, Palm Springs, and San Diego — as well as in and around Scottsdale and Phoenix, Arizona and Las Vegas, Nevada. We guide you through the hurricane insurance claim process and advocate on your behalf as our public adjusters evaluate and document your damage in detail to negotiate a claim for the maximum amount.
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? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
The insurance company hired a construction estimator. What do I need to know?
Wind Damage vs. Storm Surge vs. Flood. What is covered?
Why is a claim strategy so important?
Am I impacted by coinsurance?
Forensic Deconstruction may be required in order to determine the possible structural damages caused by pressure vs. suction and differential pressure (wind flow on two opposite sides of any building components such as roofs, walls, structural members, etc., which could deform or dislodge materials).
Is there coinsurance in your policy? Properly managing coinsurance requirements can prevent financial disaster. Not properly managing coinsurance requirements can put you out of business! If there is, what does it mean? If there is, did your insurance adjuster explain it you? How is coinsurance calculated: on replacement cost or actual cash value?
Is there a methodology to properly document the loss?
Is a moisture survey necessary? Why or why not?
When mold is an issue, be sure to hire professionals to record RH%, document the damage, and create a moisture map before removing ALL wet building materials.
Prompt inspection and documentation is key to a successful claim. It takes a trained professional to identify and document windstorm damage. Do you have the right expert lined up? You should not just rely on the insurance company’s experts.
The report from the roofing expert you choose can make all the difference in your recovery.
Repair vs. replacement of roofing can be a challenging issue. Are you familiar with matching issues/rules? Are you familiar with patching issues/rules? What about warranties?
Wind-driven rain vs. leakage. The difference can affect your recovery.
What happens following an extraordinary storm when drying equipment, generators, remediation labor, and other resources are unavailable for days? Weeks?
Property Damage Losses Commercial Claims Recovery Process
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
The Greenspan Co./Adjusters International would find a solution to each of her concerns. The Greenspan Co./Adjusters International successfully increased Jeannie’s settlement from an original $650,000.00 estimate to approximately $1.8 million
With the help of The Greenspan Co./Adjusters International, what was initially a refusal of the insurance company to compensate the Trinity River Lumber loss resulted in an insurance claim payment in excess of $25 million