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. We are your public adjusters working 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. Our 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, our 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.
Our team of public adjusters evaluates and documents your tornado damage in full detail, and negotiates with your insurance company for a 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?
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
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
Understanding your insurance policy before a disaster strikes is essential to protecting your organization and ensuring the fast recovery for the next major hurricane or windstorm
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.
Podcast06.09.2016