Commercial Insurance Claims for Water Damage

Unexpected water damage calls for quick action, clean-up, and measures to control and restore as much damage as possible. In the rush, our team of public adjusters can provide the experience, resources, and time to help you make informed decisions that will help ensure that this work is coordinated with your insurance claim to help get your business what it needs to recover.
The effects of water damage are not only detrimental to your commercial property, but also to the health of your employees and any other occupants. It must be documented and dealt with immediately and properly.

Sudden water damage can come from storms and floods, to a random pipe bursting. Within moments, the ceilings, walls, and floors of your building can be damaged or destroyed. Also, the moisture from water damage can lead to mold growth, making your place of business unsafe for any occupants. The immediate need to clean up and control as much damage as possible may delay you in the beginning, but organizing a plan for the handling of your water damage claim will be vital to the recovery of your business.

Our team of public adjusters will work on your behalf and negotiate with your insurance company for a maximum claim recovery. As your trusted advisors, we are fluent with insurance policy terms and conditions. We will evaluate and document your property’s water damage in full detail to make sure you receive the optimum amount to get back to business.

What To Focus On After Water 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?
  • Wind Damage vs. Storm Surge vs. Flood. What is covered?
  • Why is a claim strategy so important?
  • Am I impacted by coinsurance?
  • Is a moisture survey necessary?

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 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 We Have Helped

Immediately you began a thorough and comprehensive analysis of our insurance policies and, as well, the organization of emergency and restoration crews. Upon the arrival of the insurance company's adjuster, your precise and detailed understanding of our policy smoothed the insurance company's initial misunderstanding of our coverage. Early the next day your inventory crew began a detailed listing of all damages of real property, equipment, furniture and fixtures, stock, and work in process. You and your certified public accountant began researching our books and records after sufficient discussion with our officers to thoroughly understand our operations. You then structured an audit system that allowed the insurance company to pay equitably against extra expenses and loss of income. Your experience and understanding enabled you to compute our stock loss to extract every advantage possible from our policy. The insurance perspective you chose garnered an additional recovery no one ever expected from our policy! This unexpected recovery, along with the advance payments you arranged immediately after the flood, allowed Sawyer of Napa to regain momentum and continue operations in what is proving to be one of our best years.
Nino J. Giacalone, Vice-President of Finance
Sawyer of Napa
Testimonial

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:
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