Public Adjusters for Hurricane Damage
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.
What To Focus On After Hurricane Damage
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
How Our Team Helps You
- Evaluate Fully reviewing your insurance coverage.
- Strategy Developing a claim management strategy.
- Compliance Determining policy compliance issues.
- Valuations Completing detailed valuations of building, equipment and inventory losses.
- Interruption Formulating business interruption models.
- Itemization Presenting and supporting an itemized claim package to your insurer.
- Negotiation Negotiating on your behalf with your insurance company.
- Communication Keeping you informed every step of the way.
- Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.
Industries Our Public Adjusters Have Helped
Client References & Testimonials
- Bank One Tower of Ft. Worth / Dalcan
- Baylor College of Medicine
- Best Western Crossroads Inn
- Buzz's Steak & Lobster Pieces of Eight
- Clothestime, Inc.
- Continental Airlines
- Days Inn
- DIVI Resorts
- Dutch Inn Hotel & Casino
- Genghis Khan Furniture Charles Corn Furniture
- Gerber Childrenswear
- Greenwich Air Services
- Gulfstream Tomato Packers
- Hampton Inn
- Harbor Branch Oceanographic Institution
- LSG Lufthansa Services
- The Makai Club
- Miami Beach Chamber of Commerce
- Otis Spunkmeyer
- Pinnacle Entertainment
- Port of New Orleans
- Sherwood Resort Guam
- Silver Vase
- SMH South Miami Hospital
- Suiza Dairy
When our facilities were damaged by a tornado, we knew that our job was getting back to business, and realized that the matter of preparing, filing and negotiating a claim of this magnitude with our insurer was going to be a monumental task…Now that the claim has been settled, I am convinced that the value we received from you was as you promised…You and your associates assisted in the compilation and valuation of every damaged shingle and chair, and therefore, we were able to provide the insurer with documentation sufficient to support our property claim…Although we were shut down for only a few days, the impact of staff relocation, lack of resources, and countless other issues was felt in our revenues and profits. Your business interruption experts…provided exemplary service to us in dealing with a very complicated business interruption claim. We could never have accomplished this on our own. These experts brought us their knowledge of the insurance industry, experience with many types of business interruption claims, and a solid accounting background which ultimately led to an equitable settlement of our loss. Throughout the recovery and claim process, you and your staff maintained a pleasant and professional attitude. Your interaction with the insurer and its consultants was always constructive and I felt reassured in your representation of me and my company's interests.Systems and Controls - EMS Technologies
...The damages sustained due to Hurricanes Katrina and Wilma where substantial and it affected all our business process and it threatened our very own existence. In cases like this it is quite a challenge to sort out what to do net in the recovery process and in addition one gets to experiment in a completely new arena: Insurance Claim. After trying my hand at it for a couple of months, it became obvious that it was not my calling or, the time to learn it. In seeking a Public Adjusting firm, we interviewed several of them and only one, The Greenspan Co./Adjusters International, seemed to fit my needs. I was looking at a total service company that could have not only the insurance knowledge, but also the understanding of the legal, accounting and engineering side of my business. The wisdom of my decision became obvious on the very first week of your company's engagement. The constant calls to and from the insurance company ceased immediately and I could concentrate on rebuilding my business. By improving communications and speaking the same language with our Insurers, expediting their requested documents, facilitating inspections, the work of Paul Migdal, Chris Glenister and Jim Warren, translated into a steady flow of cash and a good and courteous relationship with the Insurers. A very complex set of claims that included Crop, Crop Income, business income, structures, excess loss, machinery, personal property, etc, was worked on and settled in 7 months to my complete satisfaction and with a minimal amount of my time and that of my staff.Silver Vase Orchids & Bromeliads
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
Golgotha Baptist Church (a Moldavian-Romanian Church) survived after suffering two arson fires with the help of The Greenspan Co./ Adjusters International