BUSINESS OWNERS/HOAs – INSURANCE CLAIMS
Hurricanes cause significant damage to commercial properties and business operations. Getting your business back on track is difficult after revenue loss and business interruption. Hurricane Adjusters’ experienced team takes over the complex claim so you can focus on day to day operations.
Homeowners and condominium associations have unique challenges. Board of Directors’ members are under enormous pressure to ensure the claims are handled correctly. This pressure increases when your insurance carrier is delaying your claim or not paying your claim at all. Hurricane Adjusters will work with you and your residents to properly document and estimate the damage, conduct re-inspections with your insurance company, work with your residents to obtain documentation to show there was no prior damage to the structures and negotiate a settlement with your insurance company that allows you to proceed with the repairs your homeowners desperately need.
Our adjusters have handled claims after 10 major hurricanes in Florida and other states. We know the complexities of commercial losses and know how to maximize your recovery. By working with us we will be able to fully evaluate the damage to your roof and in many cases document the need for a complete roof replacement
Quite simply, we focus on the claim which allows you to focus on your other daily business.
After Hurricane Irma I didn’t think I had too much damage to my roof. But after contacting Hurricane Adjusters I found out my roof was actually damaged and and my insurance company paid for a brand new roof.
The initial engagement with our client is the most important stage of the claims process. It allows us to begin to lay the foundation of trust and integrity which we believe is essential in establishing confidence and further resolution for the client. Immediately after a property owner suffers loss, he or she is faced with critical decisions to be made in limited time. Hurricane Adjusters has settled thousands of claims, we can foresee future issues and obstacles that will arise as the claim process evolves.
Estimating your Damages
A claims package is prepared involving reports, proposals, estimates, photographs, inventories and other supporting documentation that is constructed to present to the client’s insurance company. The latest cost estimating software is used in the preparation of reports. A strategy can then be developed for presentation purposes.
Reviewing your Policy
Reviewing the contract of the insurance policy is critical in the early stages. A comprehensive investigation of cause and origin of a loss is performed in order to understand the variables of each specific type of loss. Together with our experts and consultants, we begin to identify, research, examine, estimate, adjust and appraise the overall value of our client’s property loss.
Adjusting your Claim
Communication and negotiations with our client’s insurance company is a process that evolves as the claim development is underway. Issues of policy coverage, local, state & federal laws are addressed. Mitigation and reconstruction of building systems are presented and debated with the insurance company’s adjuster.