Public Insurance Adjuster Services—Commercial Insurance Claims

 

     Loss Type

• Business Interruption

• Earthquake

• Fire

• Water/Flood

• Hail

• Windstorm

• Roof Collapse

• Winter Storm                                                                                                                                                                             Course of Construction

You just suffered serious damage to your business and you are wondering what to do next. You call your insurance company and wait for an adjuster to come out—hoping they will have your best interests at heart. After all, they accepted your premium for years in a very nice way. Now you expect that they will “do the right thing.”

You will soon discover that you’ve moved from the asset side of your insurance company’s ledger (you paying your premiums on time) to the liability side of their ledger (they now need to pay you for your damages). Often, the money they owe you now will far exceed any premium payment you paid or would pay in the future.

Knowing everything you possibly can about the “fine print” of your insurance policy before you have any substantial dialogue with your insurer is an absolute necessity. In order to get a full settlement, you must first know what you are covered for and how to claim it. What you say to your insurance company’s adjuster and how you say it can make a dramatic difference in how much you get paid. The more you know, the better the results. 

 

      Factors to Consider

When filing a business insurance claim, there are many factors that need to be taken into consideration. To help you navigate the process, we have put together several talking points for you to review. Having a full understanding of each of the below bullet points is crucial to documenting, filing, and successfully settling your insurance claim. If any of these questions give you pause, please feel free to reach out to us for a no-cost discussion about your claim.

 

       General

• Are you entitled to an advance from the insurance company? What is reasonable?

• What is your broker or agent’s role?

  • Will he/she be adjusting the claim?

  • How many claims has he/she handled?

  • Will his/her role be active or passive?

  • When faced with supporting your position or the insurance company’s, where will he/she stand?

             

           

Allow Us To Educate You.

No one knows your business better than you do, and following a major loss is a critical time to apply that knowledge. This is a time when you should be focused on maintaining your operations and making vital business recovery decisions instead of learning the ins-and-outs of the insurance claims process. A crucial foundation for recovery rests on the success of your claim. That’s where we come in. We can help. Allow us to educate you.

 

What will a public adjuster do for your business?

Our team will help you get everything you’re entitled to by:

• evaluating your commercial insurance policy to establish the best possible strategy for presenting your claim to the carrier;

• valuing, documenting and substantiating every detail;

• negotiating on your behalf with your insurance company;

• keeping you informed every step of the way; and

 

A public adjuster represents the only category of insurance adjuster that works exclusively for policyholders and never for insurance companies. This means there’s no inherent conflict of interest when it comes to advocating on your behalf to the insurance company.

It’s important for you to know what to ask before hiring a public adjuster so you can distinguish an established and trustworthy firm, such as The Greenspan Co./Adjusters International, from all the others. And check our references. Chances are you will recognize many of them. After all, who really knows better than someone you know who has been through it before?

To us, it is not just about getting the most out of your commercial insurance claim, but helping you through the entire recovery process.