COMMERCIAL INSURANCE CLAIM ADJUSTMENT

InsuraClaim, Inc.

A water disaster can strike anytime anywhere. Generally, the occurrences are sudden and unexpected. It has been widely reported in the insurance industry that the most frequent type of loss is from water. For those who have had no prior experience in handling an insurance claim, the policy language can be very confusing at best. At InsuraClaim we strive to provide you with the best flood insurance claim services.

FLOOD CLAIM ASSISTANCE

As most homeowners can attest to, the family home is the single most valuable possession and typically the largest investment. When that home is damaged by a tornado, recovering the maximum amount of money needed to repair or replace the damaged property or business will certainly be the biggest challenge one could ever undertake.

TORNADO CLAIM ASSISTANCE

According to the National Oceanic Atmospheric Administration (NOAA), hail causes about $1 billion in damage to crops and property each year. Hail causes more damage than the combined damage from lightning, tornado, and wind. Since the year 2000, Minnesota had the second highest total loss for hail at a yearly average of $252 million dollars in all of the States. Texas was by far the highest at $859 million dollars.

HAIL DAMAGE CLAIM ASSISTANCE

Typically, if the windstorm event causes a breach in the building envelope and water comes into the building due to that breach, then you have coverage. This would include water damage to the building itself, such as drywall damage, particle board expansion, electrical damage, mold, etc. Wind-driven rain can be very problematic in a hurricane as many insurance companies will not pay unless there is a breach or opening in a structure.

HURRICANE CLAIM ASSISTANCE

Fire losses are often the most devastating occurrences that can happen to a family or business. Fire damage requires important short-term decisions from individuals that are under a tremendous amount of stress and confusion. Our fire adjusters will apply their years of professional experience to your fire loss claim. We have the knowledge and expertise to help you negotiate the complicated process required by your insurance carrier to get your fire claim paid in a fair and honest manner.

FIRE CLAIM ASSISTANCE

Lightning can cause severe damage to a property in a number of different ways. The first is concern for life, health, and safety, and the direct damage resulting from the lightning strike. The next is damage to property from power surges or fires resulting from the lightning strike. Insurance adjusters may try to pass on replacing electronics or other damages that aren’t seen at first glance.

STORM DAMAGE CLAIM ASSISTANCE

Typically a property insurance policy covers direct physical damage from a windstorm. If the direct physical damage is obvious, such as entire roofs/walls or portions of roofs/walls blown away, then a coverage determination becomes easy. Homeowners will want to know where they will live while their home is being repaired. Not only is the building loss a concern, but business inventory losses frequently become a major part of a windstorm damage insurance claim.

WIND STORM CLAIM ASSISTANCE

Earthquakes can happen anywhere, and at any time, and come without warning. Even a small earthquake can do considerable damage to the structural integrity of your commercial property. In the aftermath of an earthquake, you should make sure to have a thorough inspection of your business’ property to make sure that all damages have been identified. Let InsuraClaim help you build your Earthquake Claim today!

EARTHQUAKE CLAIM ASSISTANCE

Commercial Insurance Claim

Commercial property damage differs significantly from residential property damage. A public adjuster’s service will be most valuable to handle the numerous items to account and the vast pricing differences. Contact us today for a free consultation.

Commercial property damages differ greatly from residential property damage. When dealing with business losses due to fire, flood, hurricane, and other catastrophes, commercial property insurance claims present a unique challenge to business owners, especially when they try to work on their own without the help of a public adjuster.

To start, there are far more variances of items to account for in commercial claims compared to residential. From office supplies, furniture, and equipment, to raw materials, merchandise inventory, and electrical damage, the losses can be vast depending on the type of your business.

Then there is contending with the wide range of pricing differences, making the quantification of your losses much more difficult to determine. Complicating this process, your insurance carrier may also find it hard to understand your customized, non-standard listing or documentation.

Finally, you will have to be making critical business recovery decisions everyday until you are back up and fully running again. Participating in damage mitigation and painstaking paperwork to itemize your losses, all while performing complicated business interruption calculations can be more than a rough road. It could be a costly one as well.

Without the help of a professional public adjuster, you will soon find yourself navigating a mind boggling insurance claim that will not only cause you headaches but one that places your claim at a disadvantage. In the end, due to incomplete and improper examination, documentation and valuation of your loss, you might not be able to get a fair and equitable settlement.

That’s why when your business establishment is hit with a fire, flood or hurricane, it is not a good idea to handle the situation on your own without guidance and assistance from a licensed trained professional adjuster. It’s definitely in your best interest to call in an established team of professional public adjusters to assist you in preparing your commercial insurance claim.

InsuraClaim Public Adjusters are experts when it comes to making commercial claims. We are knowledgeable in collecting money for your commercial property damage. We handle all types of commercial establishments such as restaurants, hotels, motels, condominium buildings, apartment complexes, townhome communities, shopping malls, and small and large buildings.

We can help you by evaluating your commercial policy and figuring out the most favorable way for presenting your claim. Our adjusters will document and validate every detail of your damage, and negotiate with your insurance carrier in your behalf to make the claims procedure an equitable and peaceful experience.

One way our public adjusters can help win a bigger settlement for your insurance claim is by calculating your replacement cost using REAL everyday pricing as opposed to the standardized pricing from a generic estimating program that most insurance companies use, and which is favorable to them.

In addition, we will help you make vital business recovery decisions, damage mitigation, business interruption calculations, and detailed loss documentation to support your settlement with your insurance provider.

At InsuraClaim, our adjusters have extensive experience dealing with commercial losses. Regardless of the type of damage that your commercial property has sustained, our licensed public adjuster will help you collect more money on your insurance claim.

Even if your insurance claim has been denied by the insurance company our Public Adjusters can help you re-open a claim with your insurance company. Or if your insurance company settled your claim but the amount paid out is grossly insufficient to cover your damages, we can look into your case for free to see if your claim can be re-opened so that you can get a more reasonable settlement.

Time is of the essence when your business is hit with a fortuitous event. The sooner you contact us and involve our Public Adjusters in the claim settlement process, the more we will be able to help you get a quicker and bigger compensation for your loss.