Public Adjusters for Tornado or Other Windstorm Damage

If a tornado strikes and damages your commercial property, after everyone’s safe, your priority is to rebuild and to save your business. The Greenspan Co. public adjusters work as your advocates to assess damages, prepare your insurance claim, and negotiate with your insurance company to get you what you need to recover.

While tornado property damage can be catastrophic, it can also be hidden. The Greenspan Co. public adjusters are experts in assessing and presenting detailed wind damage insurance claims that will get your business what it needs to fully recover.

If your commercial property is damaged by a tornado or windstorm, you may not be able to see the damage with the naked eye. This could be a cracked foundation or a loosened roof. How will you know if your property is safe? The first step is to engage a licensed engineer to determine if any structural deficiencies like these have occurred. If the damage is identified, The Greenspan Co. public adjusters can step in to help assess the full scope and prepare and manage your wind damage insurance claim, as we have done for countless business owners throughout California, Arizona, and Nevada. We have helped business owners in 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.

The Greenspan Co. team of public adjusters evaluates and documents your tornado damage in full detail, and negotiates with your insurance company for maximum claim recovery. As your trusted advocates, our public adjusters make sure you obtain what you need to rebuild your property and business.

What To Focus On After Tornado or Other Windstorm 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? 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? 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 very 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?

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

  • Client References & Testimonials


    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.
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    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.
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    Silver Vase Orchids & Bromeliads
  • Case Studies

    Massive Mission Street fire requires novel solution. Insurer’s response jeopardizes a hardware store’s recovery

    In the dark hours before dawn in January, a sudden burst of torrential rain hit the town of Montecito in Southern California, dumping a half-an-inch of water within five minutes.

    The Greenspan Co./Adjusters International would find a solution to each of her concerns. The Greenspan Co./Adjusters Internatio